SuperMoney
  Exchange Bank Premier Rewards American Express® Card

Exchange Bank Premier Rewards American Express® Card

in Personal Credit Cards from Exchange Bank of Milledgeville

Unaffiliated

Exchange Bank Premier Rewards American Express® Card

Unaffiliated

in Personal Credit Cards from Exchange Bank of Milledgeville

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Exchange Bank Premier Rewards American Express® Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
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

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.

Key Takeaways
  • 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.
Exchange Bank Premier Rewards American Express® Card Pros & Cons
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.
Exchange Bank Premier Rewards American Express® Card FAQ

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% .

Does Exchange Bank Premier Rewards American Express® Card have an introductory APR offer on balance transfers?

No, Exchange Bank Premier Rewards American Express® Card does not come with an introductory APR offer for balance transfers.

Does Exchange Bank Premier Rewards American Express® Card have an introductory APR offer on new purchases?

Exchange Bank Premier Rewards American Express® Card does not offer an introductory rate on new purchases.
Exchange Bank Premier Rewards American Express® Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

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 have a foreign transaction fee?

Exchange Bank Premier Rewards American Express® Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

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.

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 Milledgeville

Icon for Personal Credit Cards
View all personal credit cards offered by Exchange Bank of Milledgeville

Availability

  Available in 1 state
Georgia
Availabile in all of Georgia

Feature Breakdown

Gas (Points) 2
Airfare (Points) 3
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
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Rewards Rates
  • Every Purchase
  • Restaurants
  • Airfare
  • Gas
Signup Bonus (points) 10,000
Cash Advance APR (Variable APR) 23.99%
Balance Computation average daily balance (including new purchases
Purchase APR (Variable APR) 14.49% - 23.49%
Balance Transfer APR (Variable APR) 14.49% - 23.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Be the first to rate

 

Would you recommend Exchange Bank Premier Rewards American Express® Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

0%

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Other Personal Credit Cards

Exchange Bank of Milledgeville Personal Credit Cards

Loading...