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  Exchange Bank Visa® Business Card

Exchange Bank Visa® Business Card

in Business Credit Cards from Exchange Bank of Milledgeville

Unaffiliated

Exchange Bank Visa® Business Card

Unaffiliated

in Business Credit Cards from Exchange Bank of Milledgeville

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Highlights
Purchase APR  (Variable APR) 11.99% - 20.99%
Balance Transfer APR  (Variable APR) 11.99% - 20.99%
Credit Score Range 600 - 850
Annual Fee $0

Exchange Bank Visa® Business Card Review

Exchange Bank Visa® Business Card FAQ

Who is Exchange Bank Visa® Business Card designed for?

Exchange Bank Visa® Business Card is a credit card issued by Exchange Bank of Milledgeville. 

This card is designed for businesses with fair credit. The minimum credit score to apply is 600.

What are the relevant APRs for Exchange Bank Visa® Business Card?

Exchange Bank Visa® Business Card has a variable purchase APR that ranges from 11.99% up to 20.99% . The card has a variable balance transfer APR that ranges from 11.99% 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 Visa® Business Card have an introductory APR offer?

Yes, Exchange Bank Visa® Business Card offers an introductory APR rate on balance transfers of 0% for a period of 15 months.

This card does offer an introductory APR rate on new purchases of 0% for a period of 15 months.

Exchange Bank Visa® Business Card Rates & Terms
Purchase APR 11.99% - 20.99%
Balance Transfer APR 11.99% - 20.99%
Cash Advance APR 23.99%
Penalty APR 28.99%

What are the Exchange Bank Visa® Business Card fees?

The following fees apply to Exchange Bank Visa® Business Card:

  • There is no annual fee.
  • A late payment penalty of up to $39.
  • A returned payment fee of up to $35.
  • An overlimit fee of $39.

Does Exchange Bank Visa® Business Card have a foreign transaction fee?

Exchange Bank Visa® Business Card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Exchange Bank Visa® Business Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2%
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 Visa® Business Card cash back or rewards program?

No, Exchange Bank Visa® Business Card does not offer a rewards program.

What are the Exchange Bank Visa® Business Card benefits?

Exchange Bank Visa® Business Card provides the following benefits:

  • ID Theft Protection
  • Reports to major credit bureaus

Does Exchange Bank Visa® Business Card report your account activity to credit bureaus?

Yes, Exchange Bank Visa® Business 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 Visa® Business Card

  • Visit the Exchange Bank of Milledgeville .
  • 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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Exchange Bank of Milledgeville

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View all business credit cards offered by Exchange Bank of Milledgeville

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 15 months
Annual Fee $0
No Annual Fee  
No Interest Grace Period for Late Payment 24 days
Cash Advance Fee (%) Up to 4%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 2%
Late Fee Amount $19 - $39
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $2
Over-Limit Fee $39
Returned Payment Fee Up to $35
Customer Type Business
Minimum Age 18
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Assistance
Rewards Type No Rewards
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) 11.99% - 20.99%
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $5
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 11.99% - 20.99%
Card Network Visa
Card Type
  • Balance Transfer
  • Low Interest

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