Last Updated: 04/18/2025
Exchange Bank Visa® Business Rewards Plus Card
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Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
13.99% - 22.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
13.99% - 22.99%(Verified 06/21/2024)
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Annual Fee
$99
Credit Score Range
600 - 850
Exchange Bank Visa® Business Rewards Plus Card Review
This is a rewards card issued by Exchange Bank of Milledgeville. If you're wondering whether Exchange Bank Visa® Business Rewards Plus Card is the right card for you, read on.
Key Takeaways
- Business credit card with generous reward rate. You can get a rewards rate of up to 3 reward points per dollar spent.
- Welcome offer. Offers a signup bonus of 20000 points that can be redeemed for travel, gifts, or other perks.
- APRs: Exchange Bank Visa® Business Rewards Plus Card has a variable regular purchase APR that ranges from 13.99% up to 22.99%.
- $0 intro annual fee for the first year. Exchange Bank Visa® Business Rewards Plus Card gives you the chance to have the card for a year without paying the $99 annual fee.
- A 3% balance transfer fee. Exchange Bank Visa® Business Rewards Plus Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Exchange Bank Visa® Business Rewards Plus Card
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 13.99% up to 22.99% . The card has a variable balance transfer APR that ranges from 13.99% up to 22.99% .
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 it have an introductory APR offer?
No, this business card does not come with an introductory APR offer for balance transfers.
This business card does not offer an introductory rate on new purchases.| Purchase APR | 13.99% - 22.99% |
| Balance Transfer APR | 13.99% - 22.99% |
| Cash Advance APR | 23.99% |
| Penalty APR | 28.99% |
What fees does it charge?
The following fees apply to this business credit card:
- An annual fee of $99 .
- A late payment penalty of up to $39 .
- A returned payment fee of up to $35.
Does it charge a foreign transaction fee?
This business credit 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.
| Fees | Amount |
| Annual Fee | $99 |
| 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 |
Does it offer a cash back or rewards program?
Yes, Exchange Bank Visa® Business Rewards Plus Card offers a rewards program to its customers.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | 20,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories |
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| Rewards Type | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Airfare
- Internet, Cable and Phone Services
- Every Purchase
- Hotels
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
However, it does include a 20000 points signup bonus that can be redeemed for travel, gifts, or other perks.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
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Message from Exchange Bank Visa® Business Rewards Plus Card
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