Exchange Bank of California Real Rewards Card Review

Exchange Bank of California Real Rewards Card is a rewards credit card issued by Exchange Bank of California. If you're wondering whether Exchange Bank of California Real Rewards 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 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.
• Competitive APRs. Exchange Bank of California Real Rewards 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 rewards card. It gives you rewards on your purchases, 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 will have good approval oods if your credit score is above650.

The Good	The Bad
Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 6 months. No balance transfer fee. 0% APR on new purchases during the first 6 months. No annual fee. Cardholders can earn rewards on purchases everywhere Exchange Bank of California Real Rewards Card is accepted. Exchange Bank of California Real Rewards Card reports to multiple credit bureaus.	Charges a foreign transaction fee of 2%. Does not include many credit card benefits.

Is there a Exchange Bank of California Real Rewards Card cash back or rewards program?

Exchange Bank of California Real Rewards Card offers a rewards program to its customers.

Exchange Bank of California Real Rewards Card Rewards

Minimum rewards rate	1.5x
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus (Points/Miles)	2500

What are the Exchange Bank of California Real Rewards Card benefits?

Exchange Bank of California Real Rewards Card provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Exchange Bank of California Real Rewards 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 Real Rewards Card has lower than average purchase APRs.

Exchange Bank of California Real Rewards Card 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 25.99% .

What are the fees for Exchange Bank of California Real Rewards Card?

The following fees apply to Exchange Bank of California Real Rewards Card:

• There is no overlimit fee

Exchange Bank of California Real Rewards Card Fees

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 Real Rewards Card report your account activity to credit bureaus?

Yes, Exchange Bank of California 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 Real Rewards Card

• Visit the Exchange Bank of California 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.