
Exchange Bank of California Platinum Card
in Personal Credit Cards from Exchange Bank of California
UnaffiliatedExchange Bank of California Platinum Card
in Personal Credit Cards from Exchange Bank of California
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Purchase APR (Variable APR) | 13.49% - 23.49% |
Balance Transfer APR (Variable APR) | 13.49% - 23.49% |
Credit Score Range | 600 - 850 |
Annual Fee | $0 |
Exchange Bank of California Platinum Card Review
Exchange Bank of California Platinum Card is a credit card issued by Exchange Bank of California. If you're wondering whether Exchange Bank of California Platinum Card is the right card for you, read on. This is everything you need to know to make a good choice.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer 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 15 months.
- Competitive APRs. Exchange Bank of California Platinum Card has a variable purchase APR that ranges from 13.49% 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.
- 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 stand a chance of qualifying if your credit score is not below 600.
The Good | The Bad |
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Is there a Exchange Bank of California Platinum Card cash back or rewards program?
No, Exchange Bank of California Platinum Card does not offer a rewards program.
What are the Exchange Bank of California Platinum Card benefits?
Exchange Bank of California Platinum Card provides the following benefits:
- Reports to major credit bureaus
What are the relevant APRs for Exchange Bank of California Platinum 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 of California Platinum Card has lower than average purchase APRs.Exchange Bank of California Platinum Card has a variable purchase APR that ranges from 13.49% up to 23.49%. The card has a variable balance transfer APR that ranges from 13.49% up to 23.49%. It also has a variable cash advance APR of 25.99% .
Does Exchange Bank of California Platinum Card have an introductory APR offer on balance transfers?
Yes, Exchange Bank of California Platinum Card offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.
Description | |
---|---|
Balance Transfer APR | 13.49% - 23.49% |
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period (months) | 15 |
Balance Transfer Fee % | N/A |
Balance Transfer Fee % After Intro Period | 3% |
Balance Transfer Fee Intro Period (days) | N/A |
Balance Transfer Fee Minimum | $5 |
Does Exchange Bank of California Platinum 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 15 months.
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period (months) | 15 |
What are the fees for Exchange Bank of California Platinum Card?
The following fees apply to Exchange Bank of California Platinum Card:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 2% |
Returned Payment Fee | up to $40 |
Late Payment Fee | up to $40 |
Does Exchange Bank of California Platinum Card have a foreign transaction fee?
Exchange Bank of California Platinum 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 of California Platinum Card report your account activity to credit bureaus?
Yes, Exchange Bank of California Platinum 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 Platinum Card
- Visit the Exchange Bank of California Platinum 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
-
545 Fourth Street
Santa Rosa, CA 95401 - (800) 995-4066
- Visit Site
Other Services by Exchange Bank of California

Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 15 months |
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