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  Exchange Bank Visa Signature® Real Rewards Card

Exchange Bank Visa Signature® Real Rewards Card

in Personal Credit Cards from Exchange Bank of Milledgeville

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Exchange Bank Visa Signature® Real Rewards Card

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in Personal Credit Cards from Exchange Bank of Milledgeville

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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 $0

Exchange Bank Visa Signature® Real Rewards Card Review

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

Key Takeaways
  • Earn 1.5 points for every dollar spent on everyday purchases. Terms and conditions apply. This is higher than the average reward rate (1 point per dollar spent) for everyday purchases.
  • 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 Visa Signature® 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.
  • Annual fee waived the first year. Exchange Bank Visa Signature® Real Rewards Card gives you the chance to have the card for a year without paying the $0 annual fee.
  • 3% Balance transfer fee. Exchange Bank Visa Signature® Real Rewards 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.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 600.
Exchange Bank Visa Signature® Real Rewards Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Annual fee waived during the first year.
  • Multiple credit card perks.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere Exchange Bank Visa Signature® Real Rewards Card is accepted.
  • Exchange Bank Visa Signature® Real Rewards Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.
Exchange Bank Visa Signature® Real Rewards Card FAQ

Is there a Exchange Bank Visa Signature® Real Rewards Card cash back or rewards program?

Exchange Bank Visa Signature® Real Rewards Card offers a rewards program to its customers.

Exchange Bank Visa Signature® Real Rewards Card Rewards
Minimum rewards rate (all purchases) 1.5x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 2500

Does Exchange Bank Visa Signature® Real Rewards Card have a signup bonus?

Exchange Bank Visa Signature® Real Rewards 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 Visa Signature® Real Rewards Card offer an annual loyalty bonus?

Exchange Bank Visa Signature® Real Rewards Card doesn't offer a cash loyalty bonus.

What are the Exchange Bank Visa Signature® Real Rewards Card benefits?

Exchange Bank Visa Signature® Real Rewards Card provides the following benefits:

  • No blackout dates when redeeming miles
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Exchange Bank Visa Signature® 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 Visa Signature® Real Rewards Card has lower than average purchase APRs.

Exchange Bank Visa Signature® 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 23.99% .

Does Exchange Bank Visa Signature® Real Rewards Card have an introductory APR offer on balance transfers?

Yes, Exchange Bank Visa Signature® Real Rewards Card offers an introductory APR rate on balance transfers of 0% for a period of up to 6 months.

Exchange Bank Visa Signature® Real Rewards Card Balance Transfers
Description
Balance Transfer APR 14.49% - 23.49%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 6
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) N/A
Balance Transfer Fee Minimum $5

Does Exchange Bank Visa Signature® Real Rewards Card have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 6 months.

Exchange Bank Visa Signature® Real Rewards Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 6

What are the fees for Exchange Bank Visa Signature® Real Rewards Card?

The following fees apply to Exchange Bank Visa Signature® Real Rewards Card:

  • There is no overlimit fee
Exchange Bank Visa Signature® Real Rewards Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $35
Late Payment Fee up to $40

Does Exchange Bank Visa Signature® Real Rewards Card have a foreign transaction fee?

Exchange Bank Visa Signature® Real Rewards Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does Exchange Bank Visa Signature® Real Rewards Card report your account activity to credit bureaus?

Yes, Exchange Bank Visa Signature® 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 Visa Signature® Real Rewards Card

  • Visit the Exchange Bank Visa Signature® 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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

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Availability

  Available in 1 state
Georgia
Availabile in all of Georgia

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee First Year  
Annual Fee $0
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
Foreign Currency Transaction Fee 3%
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
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
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Assistance
No Blackout Dates  
Rewards Rates Every Purchase
Signup Bonus (points) 2,500
Rewards Type Points
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 Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 14.49% - 23.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type Rewards
Card Network Visa

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