Last Updated: 07/28/2025
Visa Signature® Everyday Rewards+ Card
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
17.49% - 27.49%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
17.49% - 27.49%(Verified 06/21/2024)
Credit Score Range
600 - 850
Annual Fee
$0
Visa Signature® Everyday Rewards+ Card Review
This is a rewards card issued by Exchange Bank of Milledgeville. If you're wondering whether Visa Signature® Everyday Rewards+ Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 6 months, which is shorter than the average 0% APR period of 12 months.
- Earn up to 4 points for every dollar you spend on eligible purchases. There is no cap or limit on the points you can earn. Choose to redeem your points for merchandise, brand-name gift cards, travel, cash back and more.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 17.49% up to 27.49%.
- 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.
- A 3% balance transfer fee. Visa Signature® Everyday Rewards+ 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.
- 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 Everyday Rewards Card
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Exchange Bank Everyday Rewards Card FAQ
Does Exchange Bank Everyday Rewards Card have a cash back or rewards program?
Exchange Bank Everyday Rewards Card is a rewards card.
| Description |
Does Exchange Bank Everyday Rewards Card have a signup bonus?
Yes. Earn up to 4 points for every dollar you spend on eligible purchases. There is no cap or limit on the points you can earn. Choose to redeem your points for merchandise, brand-name gift cards, travel, cash back and more.
Does Exchange Bank Everyday Rewards Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Exchange Bank Everyday Rewards Card benefits?
Visa Signature® Everyday Rewards+ Card provides the following benefits:
- Free Credit Score
- Emergency Support
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
What are the relevant APRs for Exchange Bank Everyday Rewards 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.Visa Signature® Everyday Rewards+ Card has a variable purchase APR that ranges from 17.49% up to 27.49%. The card has a variable balance transfer APR that ranges from 17.49% up to 27.49%. It also has a variable cash advance APR of 28.99% .
Does Exchange Bank Everyday Rewards Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 17.49% - 27.49% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Exchange Bank Everyday Rewards 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 Exchange Bank Everyday Rewards Card?
| 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 rewards card.
Does Exchange Bank Everyday Rewards Card have a foreign transaction fee?
Exchange Bank Everyday Rewards Card 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 Everyday Rewards Card?
The customer service number for Exchange Bank Everyday Rewards Card is (478) 452-4531.
What is the support contact email for Exchange Bank Everyday Rewards Card?
The support contact email for Exchange Bank Everyday Rewards Card is servicing@exch.bank.
What is the login page for Exchange Bank Everyday Rewards Card?
You can access the login page of Exchange Bank Everyday Rewards Card here.
How do people rate the customer service and user experience of Exchange Bank Everyday Rewards Card?
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 Everyday Rewards 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 Exchange Bank Everyday Rewards Card
- Visit the website of Exchange Bank Everyday Rewards 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.
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