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  Exchange Bank of California College Real Rewards Card
Exchange Bank of California College Real Rewards Card Unaffiliated

Exchange Bank of California College Real Rewards Card

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Highlights
Purchase APR  (Variable APR) 17.49% - 27.49%
(Verified 10/23/2022)
Balance Transfer APR  (Variable APR) 17.49% - 27.49%
(Verified 10/23/2022)
Credit Score Range 650 - 850
Annual Fee $0

Exchange Bank of California College Real Rewards Card Review

This is a rewards credit card issued by Exchange Bank of California. If you're wondering whether Exchange Bank of California College Real Rewards 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 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 2500 points that can be redeemed for travel, gifts, or other perks.
  • 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 College Real Rewards 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 650.

Pros & Cons of Exchange Bank of California College Real Rewards Card

The Good The Bad
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • 0% APR on new purchases during the first 6 months. There is then a variable purchase APR that ranges from 17.49% up to 27.49%.
  • No annual fee.
  • Cardholders can earn rewards on their purchases.
  • Exchange Bank of California College Real Rewards Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges a foreign transaction fee of 2%.
  • Charges a 3% balance transfer fee. After the introductory period, the fee is 3% of the balance transferred or $5, whichever is greater.
  • Does not include many credit card benefits.

Exchange Bank of California College Real Rewards Card FAQ

Does Exchange Bank of California College Real Rewards Card have a cash back or rewards program?

Exchange Bank of California College Real Rewards Card is a rewards card.

Exchange Bank of California College Real Rewards Card Rewards
Minimum rewards rate 1.5x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 2500

Does Exchange Bank of California College Real Rewards Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 2500 points signup bonus that can be redeemed for travel, gifts, or other perks.

Does Exchange Bank of California College Real Rewards Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Exchange Bank of California College Real Rewards 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 College Real Rewards 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. This card has higher than average regular APRs.

Exchange Bank of California College Real 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% .

Does Exchange Bank of California College Real Rewards 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.

Exchange Bank of California College Real Rewards Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 3%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 17.49% - 27.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does Exchange Bank of California College Real Rewards Card have an intro APR offer on new purchases?

Exchange Bank of California College Real Rewards Card Purchase Intro Offer
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 of California College Real Rewards Card?

The following fees apply:

  • There is no overlimit fee
Exchange Bank of California College Real Rewards Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee up to $41
Late Payment Fee up to $41

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 College Real Rewards Card have a foreign transaction fee?

Exchange Bank of California College Real Rewards 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 College Real Rewards Card?

The Exchange Bank of California College Real Rewards Card customer service number is (800) 995-4066.

What is the support contact email for Exchange Bank of California College Real Rewards Card?

The support contact email for Exchange Bank of California College Real Rewards Card is info@exchangebank.com.

What is the Exchange Bank of California College Real Rewards Card login page?

You can access the Exchange Bank of California College Real Rewards Card login page here.

How do people rate the customer service and user experience of Exchange Bank of California College Real Rewards Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Exchange Bank of California College Real Rewards Card report your account activity to credit bureaus?

Yes, Exchange Bank of California College Real 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 College Real Rewards Card

  • Visit the Exchange Bank of California College Real Rewards 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.

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 California

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View all credit cards offered by Exchange Bank of California

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
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
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • 1.5x Points on Every Purchase
Signup Bonus (points) 2,500
Cash Advance APR (Variable APR) 28.99%
APR Type Variable APR
Balance Computation Average daily balance (including new purchases)
Purchase APR (Variable APR) 17.49% - 27.49%
(Verified 10/23/2022)
Balance Transfer Fee % After Intro Period 3%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 17.49% - 27.49%
(Verified 10/23/2022)
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
Card Network Visa

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