Exchange Bank of California Everyday Rewards+ Card

Exchange Bank of California Everyday Rewards+ Card Review

This is a rewards credit card issued by Exchange Bank of California. If you're wondering whether Exchange Bank of California Everyday Rewards is the right card for you, read on.

Key Takeaways

• 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.
• $200 bonus (20,000 points) after $1,000 in eligible net purchases are made within the first 120 days of account opening.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.49% up to 27.49%.
• 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.
• 3% Balance transfer fee. Exchange Bank of California Everyday Rewards+ Card charges a fee of 3% on balance transfers, if you transfer the balance within 186 days of opening the account. 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.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Exchange Bank of California Everyday Rewards

Exchange Bank of California Everyday Rewards FAQ

Does Exchange Bank of California Everyday Rewards have a cash back or rewards program?

Exchange Bank of California Everyday Rewards is a rewards card.

What are the relevant APRs for Exchange Bank of California Everyday Rewards?

Exchange Bank of California Everyday Rewards+ Card has a variable purchase APR that ranges from 17.49% up to 27.49%. The card has a variable balance transfer APR that ranges from 17.49% up to 27.49%. It also has a variable cash advance APR of 28.99% .

What are the fees for Exchange Bank of California Everyday Rewards?

The following fees apply:

• There is no overlimit fee

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 of California Everyday Rewards+ Card report your account activity to credit bureaus?

Yes, Exchange Bank of California Everyday Rewards+ 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 of California Everyday Rewards

• Visit the Exchange Bank of California Everyday Rewards 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.