National Exchange Bank and Trust Business Visa®
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| Purchase APR (Variable APR) |
14.9% (Verified 08/04/2023) |
| Balance Transfer APR (Variable APR) |
14.9% (Verified 08/04/2023) |
| 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
- Competitive APRs. National Exchange Bank and Trust Business Visa® has a variable purchase APR of 14.9%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
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 up to $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:
- 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.
What are the benefits?
This business credit card provides the following benefits:
- Fraud Liability
- Reports to major credit bureaus
What is the customer service phone number?
The customer service number for this business card is (877) 921-7700.
What is the support contact email?
The support contact email for this business credit card is businessbanking@nebat.com.
Does National Exchange Bank and Trust Business Visa® report your account activity to credit bureaus?
Yes, National Exchange Bank and Trust Business Visa® 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?
- Visit the National Exchange Bank & Trust .
- 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.
Message From National Exchange Bank and Trust Business Visa®
Contact
- Headquarters
-
130 South Main St.
PO Box 988
Fond du Lac, WI 54936 USA - (877) 921-7700
- Visit Site
- Email Support
Other Services by National Exchange Bank & Trust
Feature Breakdown
| Annual Fee | $28 |
| Foreign Currency Transaction Fee | 1% |
| Late Fee Amount | Up to $20 |
| Minimum Interest Charge | $20 |
| Returned Payment Fee | $35 |
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