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  Exchange Bank of California Smart Business Rewards Card

Exchange Bank of California Smart Business Rewards Card

in Business Credit Cards from Exchange Bank of California

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Exchange Bank of California Smart Business Rewards Card

Unaffiliated

in Business Credit Cards from Exchange Bank of California

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Highlights
Purchase APR  (Variable APR) 15.99% - 20.99%
Balance Transfer APR  (Variable APR) 15.99% - 20.99%
Credit Score Range 650 - 850
Annual Fee $95

Exchange Bank of California Smart Business Rewards Card Review

Exchange Bank of California Smart Business Rewards Card FAQ

Who is Exchange Bank of California Smart Business Rewards Card designed for?

Exchange Bank of California Smart Business Rewards Card is a credit card issued by Exchange Bank of California. 

This card is designed for businesses with fair credit. The minimum credit score to apply is 650.

What are the relevant APRs for Exchange Bank of California Smart Business Rewards Card?

Exchange Bank of California Smart Business Rewards Card has a variable purchase APR that ranges from 15.99% up to 20.99% . The card has a variable balance transfer APR that ranges from 15.99% up to 20.99% .

It also has a variable cash advance APR of 23.99% . Note that late payments are subject to an APR of 28.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Exchange Bank of California Smart Business Rewards Card have an introductory APR offer?

No, Exchange Bank of California Smart Business Rewards Card does not come with an introductory APR offer for balance transfers.

Exchange Bank of California Smart Business Rewards Card does not offer an introductory rate on new purchases.

Exchange Bank of California Smart Business Rewards Card Rates & Terms
Purchase APR 15.99% - 20.99%
Balance Transfer APR 15.99% - 20.99%
Cash Advance APR 23.99%
Penalty APR 28.99%

What are the Exchange Bank of California Smart Business Rewards Card fees?

The following fees apply to Exchange Bank of California Smart Business Rewards Card:

  • An annual fee of $95.
  • A late payment penalty of up to $39.
  • A returned payment fee of up to $35.
  • An overlimit fee of $39.

Does Exchange Bank of California Smart Business Rewards Card have a foreign transaction fee?

Exchange Bank of California Smart Business Rewards Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Exchange Bank of California Smart Business Rewards Card Fees
Fees Amount
Annual Fee $95
Foreign Transaction Fee 0%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $5
Returned Payment Fee up to $35
Late Payment Fee $19 to $39

Is there a Exchange Bank of California Smart Business Rewards Card cash back or rewards program?

Exchange Bank of California Smart Business Rewards Card offers a rewards program to its customers. This card offers rewards to businesses that use the card to make purchses in the following categories:

  • Every Purchase

Does Exchange Bank of California Smart Business Rewards Card have a signup bonus?

Exchange Bank of California Smart Business Rewards Card doesn't offer a cash signup bonus.

However, it does include a 20000 points signup bonus after spending $500 that can be redeemed for travel, gifts, or other perks.

Does Exchange Bank of California Smart Business Rewards Card offer an annual loyalty bonus?

Exchange Bank of California Smart Business Rewards Card doesn't offer a cash loyalty bonus.

What are the Exchange Bank of California Smart Business Rewards Card benefits?

Exchange Bank of California Smart Business Rewards Card provides the following benefits:

  • Fraud Liability
  • No blackout dates when redeeming miles
  • Reports to major credit bureaus

Does Exchange Bank of California Smart Business Rewards Card report your account activity to credit bureaus?

Yes, Exchange Bank of California Smart Business Rewards Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Exchange Bank of California Smart Business Rewards Card

  • Visit the Exchange Bank of California .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Feature Breakdown

Every Purchase (Points) Earn 1 point on all other eligible purchases
Every Purchase (Points) 1
Foreign Currency Transaction Fee 0%
No Annual Fee First Year
No Interest Grace Period for Late Payment 24 days
Annual Fee $95
Cash Advance Fee (%) 4%
Cash Advance Fee Minimum $10
Late Fee Amount $19 - $39
Minimum Cash Advance Fee ($) $10
Minimum Interest Charge $2
Over-Limit Fee $39
Returned Payment Fee Up to $35
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
All Other Purchases Earn 2 points in your top 2 spend categories each month
Bonus Rewards Earn 20,000 bonus rewards points when you spend $500 in the first 90 days of account opening.
No Blackout Dates
Rewards Categories
  • Every Purchase
Signup Bonus Up to $200
Signup Bonus (points) 20,000
Balance Computation Average daily balance (including new purchases)
Cash Advance APR (Variable APR) 23.99%
Penalty APR (Variable APR) 28.99%
Purchase APR (Variable APR) 15.99% - 20.99%
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period 3%
Balance Transfer Fee Minimum $5
Balance Transfer APR (Variable APR) 15.99% - 20.99%
Card Network Visa
Card Type
  • Rewards

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