Last Updated: 07/28/2025
Exchange Bank Visa® Max Cash Secured Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
28.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
28.99%(Verified 06/21/2024)
Credit Score Range
Starting at 600
Annual Fee
$0
Exchange Bank Visa® Max Cash Secured Card Review
This is a secured credit cashback credit card issued by Exchange Bank of Milledgeville. If you're wondering whether Exchange Bank Visa® Max Cash Secured Card is the right card for you, read on.
Key Takeaways
- With the Max Cash Secured Card, you'll enjoy the convenience of credit while earning interest on your secured savings account. Plus earn 5% cash back on first $2,000 of combined quarterly purchases from two categories of your choice: Home Utilities, Cell Phone Providers, TV/Internet/Streaming and more.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 28.99%
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. Exchange Bank Visa® Max Cash Secured Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $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 up to 2% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, travel accident insurance, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Exchange Bank Max Cash Secured
| The Good | The Bad |
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Exchange Bank Max Cash Secured FAQ
Does Exchange Bank Max Cash Secured have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
- Free Credit Score
- Emergency Support
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
What are the relevant APRs for Exchange Bank Max Cash Secured?
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 higher than average regular APRs.Exchange Bank Visa® Max Cash Secured Card has a variable purchase APR of 28.99%. The card has a variable balance transfer APR of 28.99% . It also has a variable cash advance APR of 28.99% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Exchange Bank Max Cash Secured have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Exchange Bank Max Cash Secured 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 Exchange Bank Max Cash Secured?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Exchange Bank Max Cash Secured have a foreign transaction fee?
Exchange Bank Max Cash Secured charges a foreign transaction fee of up to 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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 Exchange Bank Max Cash Secured?
The customer service number for Exchange Bank Max Cash Secured is (478) 452-4531.
What is the support contact email for Exchange Bank Max Cash Secured?
The support contact email for Exchange Bank Max Cash Secured is servicing@exch.bank.
What is the login page for Exchange Bank Max Cash Secured?
You can access the login page of Exchange Bank Max Cash Secured here.
How do people rate the customer service and user experience of Exchange Bank Max Cash Secured?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Exchange Bank of Milledgeville perform a hard credit pull?
Yes, Exchange Bank Max Cash Secured 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 Exchange Bank Max Cash Secured
- Visit the website of Exchange Bank Max Cash Secured.
- 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.
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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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Monday
9:00AM - 5:00PM
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9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed