Exchange Bank and Trust Visa® Classic
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| Purchase APR (Fixed APR) |
14.67% (Verified 08/04/2023) |
| Balance Transfer APR (Fixed APR) |
14.67% (Verified 08/04/2023) |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
Exchange Bank and Trust Visa® Classic Review
This is a rewards 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.
Key Takeaways
- Competitive APRs. Exchange Bank and Trust Visa® Classic has a fixed purchase APR of 14.67%
- 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 Auto Rental Collision Damage Waiver, emergency support, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Exchange Bank and Trust Visa® Classic
| The Good | The Bad |
|---|---|
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Exchange Bank and Trust Visa® Classic FAQ
Does Exchange Bank and Trust Visa® Classic have a cash back or rewards program?
Exchange Bank and Trust Visa® Classic is a rewards card.
| 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?
This card doesn't offer a cash signup bonus.Does Exchange Bank and Trust Visa® Classic offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Exchange Bank and Trust Visa® Classic benefits?
It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.Exchange Bank and Trust Visa® Classic has a fixed purchase APR of 14.67%. The card has a fixed balance transfer APR of 14.67% . It also has a fixed cash advance APR of 21% .
Does Exchange Bank and Trust Visa® Classic have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Exchange Bank and Trust Visa® Classic have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Exchange Bank and Trust Visa® Classic?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $ |
| Initial Program Fee | $ |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | Starting at $ up to $29 |
| Late Payment Fee | Starting at up to $29 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
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 foreign transaction fees.What is the customer service phone number for Exchange Bank and Trust Visa® Classic?
The Exchange Bank and Trust Visa® Classic customer service number is (913) 367-6000.
What is the support contact email for Exchange Bank and Trust Visa® Classic?
The support contact email for Exchange Bank and Trust Visa® Classic is ibank@myexchangebank.com.
What is the Exchange Bank and Trust Visa® Classic login page?
You can access the Exchange Bank and Trust Visa® Classic login page here.
How do people rate the customer service and user experience of Exchange Bank and Trust Visa® Classic?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
600 Commercial Street
PO Box 189
Atchison, KS 66002 USA - (913) 367-6000
- Visit Site
- Email Support
Other Services by Exchange Bank and Trust
Other Credit Cards by Exchange Bank and Trust
Availability
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Up to 3% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Foreign Currency Transaction Fee | 3% |
| No Annual Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $29 |
| Paper Statement Fee | $2 |
| Late Fee Amount | Up to $29 |
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