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  Exchange Bank and Trust Visa® Platinum
Exchange Bank and Trust Visa® Platinum Unaffiliated

Exchange Bank and Trust Visa® Platinum

Unaffiliated
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Highlights
Purchase APR 9.17%
Balance Transfer APR 9.17%
Credit Score Range 650 - 850
Annual Fee $0

Exchange Bank and Trust Visa® Platinum Review

This is a credit 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. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Exchange Bank and Trust Visa® Platinum has a variable purchase APR of 9.17%
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, 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 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® Platinum
The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Exchange Bank and Trust Visa® Platinum reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
Exchange Bank and Trust Visa® Platinum FAQ

Does Exchange Bank and Trust Visa® Platinum have a cash back or rewards program?

No, it does not offer a rewards program. This card features rewards for purchases in the following categories:

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

It provides the following benefits:

  • 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 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® Platinum has a variable purchase APR of 9.17%. The card has a variable balance transfer APR of 9.17% . It also has a variable 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?

The following fees apply:

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

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost 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 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 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 Exchange Bank and Trust Visa® Platinum login page?

You can access the Exchange Bank and Trust Visa® Platinum login page 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 your account activity to the following credit reporting agencies:

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® Platinum

  • Visit the Exchange Bank and Trust Visa® Platinum 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
Late Fee Amount Up to $29
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Every Purchase
Cash Advance APR 21%
Balance Computation average daily balance (including new transactions).
Purchase APR 9.17%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer APR 9.17%
Card Type
  • Rewards
Card Network Visa

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Exchange Bank and Trust Credit Cards

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