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  Exchange Bank and Trust Visa® Classic

Exchange Bank and Trust Visa® Classic

in Personal Credit Cards from Exchange Bank and Trust

Unaffiliated

Exchange Bank and Trust Visa® Classic

Unaffiliated

in Personal Credit Cards from Exchange Bank and Trust

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Highlights
Purchase APR  (Fixed APR) 11.67%
Balance Transfer APR  (Fixed APR) 11.67%
Credit Score Range 650 - 850
Annual Fee $0

Exchange Bank and Trust Visa® Classic Review

Exchange Bank and Trust Visa® Classic is a rewards credit card issued by Exchange Bank and Trust. If you're wondering whether Exchange Bank and Trust Visa® Classic is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Competitive APRs. Exchange Bank and Trust Visa® Classic has a fixed purchase APR of 11.67%
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
Exchange Bank and Trust Visa® Classic Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Cardholders can earn rewards on their purchases.
  • Exchange Bank and Trust Visa® Classic reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
Exchange Bank and Trust Visa® Classic FAQ

Is there a Exchange Bank and Trust Visa® Classic cash back or rewards program?

Exchange Bank and Trust Visa® Classic offers a rewards program to its customers.

Exchange Bank and Trust Visa® Classic Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Exchange Bank and Trust Visa® Classic have a signup bonus?

Exchange Bank and Trust Visa® Classic doesn't offer a cash signup bonus.

Does Exchange Bank and Trust Visa® Classic offer an annual loyalty bonus?

Exchange Bank and Trust Visa® Classic doesn't offer a cash loyalty bonus.

What are the Exchange Bank and Trust Visa® Classic benefits?

Exchange Bank and Trust Visa® Classic provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Exchange Bank and Trust Visa® Classic?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Exchange Bank and Trust Visa® Classic has lower than average purchase APRs.

Exchange Bank and Trust Visa® Classic has a fixed purchase APR of 11.67%. The card has a fixed balance transfer APR of 11.67% . It also has a fixed cash advance APR of 21% .

Does Exchange Bank and Trust Visa® Classic have an introductory APR offer on balance transfers?

No, Exchange Bank and Trust Visa® Classic does not come with an introductory APR offer for balance transfers.

Does Exchange Bank and Trust Visa® Classic have an introductory APR offer on new purchases?

Exchange Bank and Trust Visa® Classic does not offer an introductory rate on new purchases.
Exchange Bank and Trust Visa® Classic Purchase Intro Offer
Description

What are the fees for Exchange Bank and Trust Visa® Classic?

The following fees apply to Exchange Bank and Trust Visa® Classic:

Exchange Bank and Trust Visa® Classic Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $29
Late Payment Fee up to $29

Does Exchange Bank and Trust Visa® Classic have a foreign transaction fee?

Exchange Bank and Trust Visa® Classic charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. 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.

Does Exchange Bank and Trust Visa® Classic report your account activity to credit bureaus?

Yes, Exchange Bank and Trust Visa® Classic 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 and Trust Visa® Classic

  • Visit the Exchange Bank and Trust Visa® Classic website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

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.

Availability

  Available in 1 state
Kansas
Availabile in all of Kansas

Feature Breakdown

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Returned Payment Fee Up to $29
Paper Statement Fee $2
Late Fee Amount Up to $29
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
  • Travel Assistance
Rewards Type No Rewards
Cash Advance APR (Fixed APR) 21%
Purchase APR (Fixed APR) 11.67%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer APR (Fixed APR) 11.67%
Card Type
  • Rewards
Card Network Visa

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SUPERMONEY NET RECOMMENDATION SCORE

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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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