National Exchange Bank and Trust Visa® Classic Card
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| Purchase APR (Variable APR) |
12.15% (Verified 10/21/2022) |
| Balance Transfer APR (Variable APR) |
12.15% (Verified 10/21/2022) |
| Credit Score Range | 600 - 850 |
| Annual Fee | $15 |
National Exchange Bank and Trust Visa® Classic Card Review
This is a rewards card issued by National Exchange Bank & Trust. If you're wondering whether National Exchange Bank and Trust Visa® Classic Card is the right card for you, read on.
Key Takeaways
- Competitive APRs. National Exchange Bank and Trust Visa® Classic Card has a variable purchase APR of 12.15%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of National Exchange Bank and Trust Visa® Classic Card
| The Good | The Bad |
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National Exchange Bank and Trust Visa® Classic Card FAQ
Does National Exchange Bank and Trust Visa® Classic Card have a cash back or rewards program?
National Exchange Bank and Trust Visa® Classic Card is a rewards card.
| Minimum rewards rate | 1x |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
Does National Exchange Bank and Trust Visa® Classic Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does National Exchange Bank and Trust Visa® Classic Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the National Exchange Bank and Trust Visa® Classic Card benefits?
It provides the following benefits:
- Emergency Support
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for National Exchange Bank and Trust Visa® Classic 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.National Exchange Bank and Trust Visa® Classic Card has a variable purchase APR of 12.15%. The card has a variable balance transfer APR of 12.15% . It also has a variable cash advance APR of 12.15% .
Does National Exchange Bank and Trust Visa® Classic Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does National Exchange Bank and Trust Visa® Classic 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 National Exchange Bank and Trust Visa® Classic Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $15 |
| Foreign Transaction Fee | 1% |
| Late Payment Fee | $10 |
Does National Exchange Bank and Trust Visa® Classic Card have a foreign transaction fee?
National Exchange Bank and Trust Visa® Classic Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for National Exchange Bank and Trust Visa® Classic Card?
The National Exchange Bank and Trust Visa® Classic Card customer service number is (877) 921-7700.
What is the support contact email for National Exchange Bank and Trust Visa® Classic Card?
The support contact email for National Exchange Bank and Trust Visa® Classic Card is businessbanking@nebat.com.
What is the National Exchange Bank and Trust Visa® Classic Card login page?
You can access the National Exchange Bank and Trust Visa® Classic Card login page here.
How do people rate the customer service and user experience of National Exchange Bank and Trust Visa® Classic Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does National Exchange Bank and Trust Visa® Classic Card report your account activity to credit bureaus?
Yes, National Exchange Bank and Trust Visa® Classic 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 National Exchange Bank and Trust Visa® Classic Card
- Visit the National Exchange Bank and Trust Visa® Classic 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
-
130 South Main St.
PO Box 988
Fond du Lac, WI 54936 USA - (877) 921-7700
- Visit Site
- Email Support
Other Services by National Exchange Bank & Trust
Availability
Feature Breakdown
| Foreign Currency Transaction Fee | 1% |
| Annual Fee | $15 |
| Late Fee Amount | $10 |
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