Exchange Bank Cash Rewards American Express® Card
in Personal Credit Cards from Exchange Bank of Milledgeville
UnaffiliatedExchange Bank Cash Rewards American Express® Card
in Personal Credit Cards from Exchange Bank of Milledgeville
Not enough votes for recommendation
Would you recommend Exchange Bank Cash Rewards American Express® Card to your friends?
| 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
This 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 review will provide you with with all the details you need to make a good choice.
- Generous reward rate. You will get a cashback rewards rate of up to 3%.
- 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 cashback card. It gives you cashback on your purchases, 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 3% on balance transfers. For example, a balance of $1,000 could cost $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 rental insurance, access to a concierge, extended warranty protection on purchases, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
| The Good | The Bad |
|---|---|
|
|
Does Exchange Bank Cash Rewards American Express® Card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other 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?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- No blackout dates when redeeming miles
- Travel Assistance
- 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.It 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 intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 6 months |
| Balance Transfer APR | 14.49% - 23.49% |
| Balance Transfer Fee Minimum | $5 |
| Balance Transfer Fee % | 3% |
Does Exchange Bank Cash Rewards American Express® Card have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period | 6 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.
What are the fees for Exchange Bank Cash Rewards American Express® Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 2% |
| Returned Payment Fee | up to $35 |
| Late Payment Fee | up to $40 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
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 foreign transaction fees.What is the customer service phone number for Exchange Bank Cash Rewards American Express® Card?
The Exchange Bank Cash Rewards American Express® Card customer service number is (478) 452-4531.
What is the support contact email for Exchange Bank Cash Rewards American Express® Card?
The support contact email for Exchange Bank Cash Rewards American Express® Card is servicing@exch.bank.
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 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
-
250 W. Hancock Street
Milledgeville, GA 31061 - (478) 452-4531
- Visit Site
- Email Support
Other Services by Exchange Bank of Milledgeville
Availability
Feature Breakdown
| Introductory Rate | 0% |
| Purchase Intro APR Period (Variable APR) | 6 months |
Be the first to rate
Would you recommend Exchange Bank Cash Rewards American Express® Card to your friends?
Other Personal Credit Cards
Exchange Bank of Milledgeville Personal Credit Cards
- AT&T Access Card from Citi
- Aberdeen Proving Ground Federal Credit Union Visa Platinum Preferred Rewards Credit Card
- Bank of America MLB™ MasterCard
- California Credit Union Platinum Share-Secured Visa® Credit Card
- Choice Privileges Visa Signature® Card
- Exchange Bank of California Platinum Card
- Flooring America Credit Card
- Macy's American Express® Card
- Northwest Federal Credit Union Visa Platinum Credit Card
- Royal Caribbean® Visa Signature® Credit Card
- System Pavers Credit Card
- Talbots Credit Card
