Exchange Bank Premier Rewards American Express® Card Review

Exchange Bank Premier Rewards American Express® Card is a credit card issued by Exchange Bank of Milledgeville. If you're wondering whether Exchange Bank Premier Rewards American Express® Card is the right card for you, read on. This is everything you need to know to make a good choice.

• Generous reward rate. You will get a rewards rate of up to 4 points per dollar spent.
• Signup bonus. Offers a signup bonus of 10000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. Exchange Bank Premier Rewards American Express® Card has a variable purchase APR that ranges from 14.49% up to 23.49%.
• Annual fee waived the first year. Exchange Bank Premier Rewards American Express® Card gives you the chance to have the card for a year without paying the $99 annual fee.
• 3% Balance transfer fee. Exchange Bank Premier Rewards American Express® Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, purchase protection, and fraud protection.
• Fair or better credit required. You stand a chance of qualifying if your credit score is not below 600.

The Good	The Bad
Lower than average purchase APRs. Annual fee waived during the first year. Multiple credit card perks. Access to a concierge. Considers applicants with fair or poor credit. No foreign transaction fee. Exchange Bank Premier Rewards American Express® Card reports to multiple credit bureaus.	Charges an annual fee of $99 Does not offer rewards or cash back. Charges a 3% balance transfer fee.

Is there a Exchange Bank Premier Rewards American Express® Card cash back or rewards program?

No, Exchange Bank Premier Rewards American Express® Card does not offer a rewards program.

What are the Exchange Bank Premier Rewards American Express® Card benefits?

Exchange Bank Premier Rewards American Express® Card provides the following benefits:

• ID Theft Protection
• Reports to major credit bureaus

What are the relevant APRs for Exchange Bank Premier Rewards American Express® 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 Premier Rewards American Express® Card has lower than average purchase APRs.

Exchange Bank Premier Rewards American Express® 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 23.99% .

What are the fees for Exchange Bank Premier Rewards American Express® Card?

The following fees apply to Exchange Bank Premier Rewards American Express® Card:

• There is no overlimit fee

Exchange Bank Premier Rewards American Express® Card Fees

Fees	Amount
Annual Fee	$99
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $35
Late Payment Fee	up to $40

Does Exchange Bank Premier Rewards American Express® Card report your account activity to credit bureaus?

Yes, Exchange Bank Premier Rewards American Express® 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 Premier Rewards American Express® Card

• Visit the Exchange Bank Premier Rewards American Express® 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.