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.

• 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.

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.

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

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% .

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 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.