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  Exchange Bank Cash Rewards American Express® Card

Exchange Bank Cash Rewards American Express® Card

in Personal Credit Cards from Exchange Bank of Milledgeville

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Exchange Bank Cash Rewards American Express® Card

Unaffiliated

in Personal Credit Cards from Exchange Bank of Milledgeville

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Highlights
Purchase APR  (Variable APR) 14.49% - 23.49%
Balance Transfer APR  (Variable APR) 14.49% - 23.49%
Credit Score Range 600 - 850
Annual Fee $0

Exchange Bank Cash Rewards American Express® Card Review

Exchange Bank Cash Rewards American Express® Card is a cashback credit card issued by Exchange Bank of Milledgeville. If you're wondering whether Exchange Bank Cash Rewards American Express® Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a cashback rewards rate of up to 3%.
  • Earn 1% cash back on everyday purchases (terms apply*).
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Signup bonus. Offers a signup bonus of $25.
  • Competitive APRs. Exchange Bank Cash Rewards American Express® Card has a variable purchase APR that ranges from 14.49% up to 23.49%.
  • 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.
  • 3% Balance transfer fee. Exchange Bank Cash Rewards American Express® Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 600.
Exchange Bank Cash Rewards American Express® Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Multiple credit card perks.
  • Access to a concierge.
  • Considers applicants with fair or poor credit.
  • Exchange Bank Cash Rewards American Express® Card reports to multiple credit bureaus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 2%.
  • Charges a 3% balance transfer fee.
Exchange Bank Cash Rewards American Express® Card FAQ

Is there a Exchange Bank Cash Rewards American Express® Card cash back or rewards program?

No, Exchange Bank Cash Rewards American Express® Card does not offer a rewards program. Exchange Bank Cash Rewards American Express® Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Exchange Bank Cash Rewards American Express® Card you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 3% for purchases in a bonus category.

What are the Exchange Bank Cash Rewards American Express® Card benefits?

Exchange Bank Cash Rewards American Express® Card provides the following benefits:

  • No blackout dates when redeeming miles
  • Reports to major credit bureaus

What are the relevant APRs for Exchange Bank Cash Rewards American Express® Card?

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 Cash Rewards American Express® Card has lower than average purchase APRs.

Exchange Bank Cash Rewards American Express® Card has a variable purchase APR that ranges from 14.49% up to 23.49%. The card has a variable balance transfer APR that ranges from 14.49% up to 23.49%. It also has a variable cash advance APR of 23.99% .

Does Exchange Bank Cash Rewards American Express® Card have an introductory APR offer on balance transfers?

Yes, Exchange Bank Cash Rewards American Express® Card offers an introductory APR rate on balance transfers of 0% for a period of up to 6 months.

Exchange Bank Cash Rewards American Express® Card Balance Transfers
Description
Balance Transfer APR 14.49% - 23.49%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 6
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) N/A
Balance Transfer Fee Minimum $5

Does Exchange Bank Cash Rewards American Express® Card have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 6 months.

Exchange Bank Cash Rewards American Express® Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 6

What are the fees for Exchange Bank Cash Rewards American Express® Card?

The following fees apply to Exchange Bank Cash Rewards American Express® Card:

  • There is no overlimit fee
Exchange Bank Cash Rewards American Express® Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee up to $35
Late Payment Fee up to $40

Does Exchange Bank Cash Rewards American Express® Card have a foreign transaction fee?

Exchange Bank Cash Rewards American Express® Card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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 Cash Rewards American Express® Card report your account activity to credit bureaus?

Yes, Exchange Bank Cash Rewards American Express® Card 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 Cash Rewards American Express® Card

  • Visit the Exchange Bank Cash Rewards American Express® Card 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Exchange Bank of Milledgeville

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Availability

  Available in 1 state
Georgia
Availabile in all of Georgia

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee  
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24 days
Additional Card Fee Amount $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 4%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 2%
Minimum Interest Charge $2
Returned Payment Fee Up to $35
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
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 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
No Blackout Dates  
Rewards Rates
  • Every Purchase
  • Gas
  • Groceries
Signup Bonus Starting at $25
Rewards Type Cash Back
Cash Advance APR (Variable APR) 23.99%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 14.49% - 23.49%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 14.49% - 23.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type Cashback
Card Network American Express

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