Exchange Bank Visa Signature® College Real Rewards Card Review

Exchange Bank Visa Signature® College Real Rewards Card is a credit card issued by Exchange Bank of Milledgeville. If you're wondering whether Exchange Bank Visa Signature® College Real Rewards Card is the right card for you, read on. This is everything you need to know 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 Visa Signature® College 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 card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. Exchange Bank Visa Signature® College 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 2% every time you make a transaction outside the U.S.
• Student credit card. This card is geared toward students. In other words, college students with limited credit history and low incomes can still apply, especially if they have a cosigner ready to vouch for them.
• Multiple credit card benefits. Includes generous credit card perks, such as and fraud protection.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.

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. Multiple credit card perks. Considers applicants with fair or poor credit. Exchange Bank Visa Signature® College Real Rewards Card reports to multiple credit bureaus.	Does not offer rewards or cash back. Charges a foreign transaction fee of 2%. Charges a 3% balance transfer fee.

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

No, Exchange Bank Visa Signature® College Real Rewards Card does not offer a rewards program.

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

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

• ID Theft Protection
• Reports to major credit bureaus

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

Exchange Bank Visa Signature® College 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% .

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

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

• There is no overlimit fee

Exchange Bank Visa Signature® College Real Rewards Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	2%
Returned Payment Fee	up to $35
Late Payment Fee	up to $40

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

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

• Visit the Exchange Bank Visa Signature® College 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.