Exchange Bank of California Real Rewards Card
in Personal Credit Cards from Exchange Bank of California
UnaffiliatedExchange Bank of California Real Rewards Card
in Personal Credit Cards from Exchange Bank of California
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| Purchase APR (Variable APR) | 14.49% - 23.49% |
| Balance Transfer APR (Variable APR) | 14.49% - 23.49% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
Exchange Bank of California 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 Real Rewards Card is the right card for you, read on. This review will provide you with with all the details you need 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 |
|---|---|
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Does Exchange Bank of California Real Rewards Card have a cash back or rewards program?
Exchange Bank of California Real Rewards Card is a rewards card.
| Minimum rewards rate | 1.5x |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus (Points/Miles) | 2500 |
Does Exchange Bank of California 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 Real Rewards Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Exchange Bank of California 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 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. It has lower than average regular APRs.It 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% .
Does Exchange Bank of California 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.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | 3% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 6 months |
| Balance Transfer APR | 14.49% - 23.49% |
| Balance Transfer Fee Minimum | $5 |
Does Exchange Bank of California Real Rewards Card have an intro APR offer on new purchases?
| 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 Real Rewards Card?
The following fees apply:
- 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 |
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 Real Rewards Card have a foreign transaction fee?
Exchange Bank of California 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 Real Rewards Card?
The Exchange Bank of California Real Rewards Card customer service number is (800) 995-4066.
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.
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
| Every Purchase (Points) | 1.5 |
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