
Exchange Bank of California Platinum Card
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Purchase APR (Variable APR) |
16.99% - 26.99% (Verified 08/04/2023) |
Balance Transfer APR (Variable APR) |
16.99% - 26.99% (Verified 08/04/2023) |
Credit Score Range | 600 - 850 |
Annual Fee | $0 |
Exchange Bank of California Platinum Card Review
This is a 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.
Key Takeaways
- 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 16.99% up to 26.99%.
- 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 of California Platinum 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.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Exchange Bank of California Platinum Card
The Good | The Bad |
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Exchange Bank of California Platinum Card FAQ
Does Exchange Bank of California Platinum Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Exchange Bank of California Platinum Card benefits?
It provides the following benefits:
- Zero fraud liability
- 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance.Exchange Bank of California Platinum Card has a variable purchase APR that ranges from 16.99% up to 26.99%. The card has a variable balance transfer APR that ranges from 16.99% up to 26.99%. It also has a variable cash advance APR of 28.99% .
Does Exchange Bank of California Platinum 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 15 months.
Description | |
---|---|
Balance Transfer Fee % After Intro Period | 3% |
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 15 months |
Balance Transfer APR | 16.99% - 26.99% |
Balance Transfer Fee Minimum | $5 |
Balance Transfer Fee % | 3% |
Does Exchange Bank of California Platinum Card have an intro APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 15 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 15 months.
What are the fees for Exchange Bank of California Platinum Card?
The following fees apply:
- There is no overlimit fee
Description | |
---|---|
Cash Advance Fee Minimum | $10 |
Cash Advance Fee (%) | Up to 5% |
Minimum Cash Advance Fee ($) | Starting at $10 |
Foreign Currency Transaction Fee | 2% |
No Annual Fee? | |
Annual Fee | $0 |
Minimum Interest Charge | $1 |
Over-Limit Fee | $0 |
No Interest Grace Period for Late Payment | 24 days |
Returned Payment Fee | Up to $41 |
Paper Statement Fee | $5 |
Late Fee Amount | Up to $41 |
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 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 foreign transaction fees.What is the customer service phone number for Exchange Bank of California Platinum Card?
The Exchange Bank of California Platinum Card customer service number is (800) 995-4066.
What is the support contact email for Exchange Bank of California Platinum Card?
The support contact email for Exchange Bank of California Platinum Card is info@exchangebank.com.
What is the Exchange Bank of California Platinum Card login page?
You can access the Exchange Bank of California Platinum Card login page here.
How do people rate the customer service and user experience of Exchange Bank of California Platinum Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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 USA - (800) 995-4066
- Visit Site
- Email Support
Other Services by Exchange Bank of California
Other Credit Cards by Exchange Bank of California
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 15 months |
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