Last Updated: 04/18/2025
National Exchange Bank and Trust Business Visa®
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
14.9%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
14.9%(Verified 06/21/2024)
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Annual Fee
$28
Credit Score Range
650 - 850
National Exchange Bank and Trust Business Visa® Review
This is a rewards card issued by National Exchange Bank & Trust. If you're wondering whether National Exchange Bank and Trust Business Visa® is the right card for you, read on.
Key Takeaways
- APRs: National Exchange Bank and Trust Business Visa® has a variable regular purchase APR of 14.9%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of National Exchange Bank and Trust Business Visa®
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR of 14.9%. The card has a variable balance transfer APR of 14.9% .
It also has a variable cash advance APR of 14.9%.
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 | 14.9% |
| Balance Transfer APR | 14.9% |
| Cash Advance APR | 14.9% |
What fees does it charge?
The following fees apply to this business credit card:
- An annual fee of $28 .
- A late payment penalty of up to $20 .
- A returned payment fee of $35.
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.
| Fees | Amount |
| Annual Fee | $28 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | $35 |
| Late Payment Fee | up to $20 |
Does it offer a cash back or rewards program?
Yes, National Exchange Bank and Trust Business Visa® 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 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories | Every Purchase | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reward Rates | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Every Purchase
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
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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.
Message from National Exchange Bank and Trust Business Visa®
Hours of Operation
Sunday
Closed
Monday
Invalid DateTime - 5:00PM
Tuesday
Invalid DateTime - 5:00PM
Wednesday
Invalid DateTime - 5:00PM
Thursday
Invalid DateTime - 5:00PM
Friday
Invalid DateTime - 5:00PM
Saturday
Closed