Last Updated: 05/14/2026
National Exchange Bank and Trust Visa® Classic Card
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Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
12.15%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
12.15%(Verified 06/21/2024)
Disclaimer popup with additional information
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
- APRs: National Exchange Bank and Trust Visa® Classic Card has a variable regular purchase APR of 12.15%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have poor credit.
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.
| Description |
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?
National Exchange Bank and Trust Visa® Classic Card 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $15.
There is a late fee of up to $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 up to 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 customer service number for National Exchange Bank and Trust Visa® Classic Card 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.
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 to the following credit bureaus:
- 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 build your credit.
Does National Exchange Bank & Trust perform a hard credit pull?
Yes, National Exchange Bank and Trust Visa® Classic Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for National Exchange Bank and Trust Visa® Classic Card
- Visit the website of National Exchange Bank and Trust Visa® Classic Card.
- 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.
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Hours of Operation
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Purchase APR
9.15%
Disclaimer popup with additional information
Balance Transfer APR
9.15%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
SuperMoney Net Recommendation Score
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