Last Updated: 07/28/2025
Exchange Bank and Trust Visa® Platinum
Unaffiliated
in Credit Cards from Exchange Bank and Trust
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
12.17%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Fixed APR)
12.17%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$0
Exchange Bank and Trust Visa® Platinum Review
This is a rewards card issued by Exchange Bank and Trust. If you're wondering whether Exchange Bank and Trust Visa® Platinum is the right card for you, read on.
Key Takeaways
- APRs: Exchange Bank and Trust Visa® Platinum has a fixed purchase APR of 12.17%
- 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 up to 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 you have a fair credit score or better.
Pros & Cons of Exchange Bank and Trust Visa® Platinum
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Exchange Bank and Trust Visa® Platinum FAQ
Does Exchange Bank and Trust Visa® Platinum have a cash back or rewards program?
Exchange Bank and Trust Visa® Platinum is a rewards card.
| Description |
Does Exchange Bank and Trust Visa® Platinum have a signup bonus?
This card doesn't offer a cash signup bonus.Does Exchange Bank and Trust Visa® Platinum offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Exchange Bank and Trust Visa® Platinum benefits?
Exchange Bank and Trust Visa® Platinum 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® Platinum?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Exchange Bank and Trust Visa® Platinum has a fixed purchase APR of 12.17%. The card has a fixed balance transfer APR of 12.17% . It also has a fixed cash advance APR of 21% .
Does Exchange Bank and Trust Visa® Platinum 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® Platinum 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® Platinum?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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® Platinum have a foreign transaction fee?
Exchange Bank and Trust Visa® Platinum charges a foreign transaction fee of up to 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® Platinum?
The customer service number for Exchange Bank and Trust Visa® Platinum is (913) 367-6000.
What is the support contact email for Exchange Bank and Trust Visa® Platinum?
The support contact email for Exchange Bank and Trust Visa® Platinum is ibank@myexchangebank.com.
What is the login page for Exchange Bank and Trust Visa® Platinum?
You can access the login page of Exchange Bank and Trust Visa® Platinum here.
How do people rate the customer service and user experience of Exchange Bank and Trust Visa® Platinum?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Exchange Bank and Trust Visa® Platinum report your account activity to credit bureaus?
Yes, Exchange Bank and Trust Visa® Platinum reports to the following credit bureaus:
- 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 build your credit.
Does Exchange Bank and Trust perform a hard credit pull?
Yes, Exchange Bank and Trust Visa® Platinum performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Exchange Bank and Trust Visa® Platinum
- Visit the website of Exchange Bank and Trust Visa® Platinum.
- 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.
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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.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
Closed