Exchange Bank Premier Rewards American Express® Card
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| Purchase APR (Variable APR) | 14.49% - 23.49% |
| Balance Transfer APR (Variable APR) | 14.49% - 23.49% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $99 |
Exchange Bank Premier Rewards American Express® Card Review
This 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 review will provide you with with all the details you need to make a good choice.
- Generous reward rate. You will get a rewards rate of up to 4 reward 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 3% on balance transfers. For example, a balance of $1,000 could cost $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 rental insurance, access to a concierge, identity theft protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
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Does Exchange Bank Premier Rewards American Express® Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Exchange Bank Premier Rewards American Express® Card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular 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% .
Does Exchange Bank Premier Rewards American Express® Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Exchange Bank Premier Rewards American Express® Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Exchange Bank Premier Rewards American Express® Card?
The following fees apply:
- There is no overlimit fee
| 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 have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the support contact email for Exchange Bank Premier Rewards American Express® Card?
The support contact email for Exchange Bank Premier Rewards American Express® Card is servicing@exch.bank.
What is the Exchange Bank Premier Rewards American Express® Card login page?
You can access the Exchange Bank Premier Rewards American Express® Card login page here.
How do people rate the customer service and user experience of Exchange Bank Premier Rewards American Express® Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
250 W. Hancock Street
Milledgeville, GA 31061 USA - Visit Site
- Email Support
Other Services by Exchange Bank of Milledgeville
Availability
Feature Breakdown
| Foreign Currency Transaction Fee | 0% |
| No Foreign Transaction Fee | |
| No Annual Fee First Year | |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 24 days |
| Additional Card Fee Amount | $0 |
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Up to 4% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Annual Fee | $99 |
| Minimum Interest Charge | $2 |
| Returned Payment Fee | Up to $35 |
| Late Fee Amount | Up to $40 |
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