Visa Signature® Everyday Rewards+ Card
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Visa Signature® Everyday Rewards+ Card
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| Purchase APR (Variable APR) |
17.49% - 27.49% (Verified 09/23/2022) |
| Balance Transfer APR (Variable APR) |
17.49% - 27.49% (Verified 09/23/2022) |
| 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 Exchange Bank Everyday Rewards Card is the right card for you, read on.
Key Takeaways
- 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.
- 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.
- High APRs. This is not a great card for people who carry a balance. It has a variable 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.
- 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 $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Exchange Bank Everyday Rewards Card
| The Good | The Bad |
|---|---|
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Exchange Bank Everyday Rewards Card FAQ
Does Exchange Bank Everyday Rewards Card have a cash back or rewards program?
Exchange Bank Everyday Rewards Card is a rewards card.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) |
Does Exchange Bank Everyday Rewards Card have a signup bonus?
This card doesn't offer a cash signup bonus.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?
It 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 is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher 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 up to 6 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 6 months |
| Balance Transfer APR | 17.49% - 27.49% |
| Balance Transfer Fee Minimum | $5 |
| Balance Transfer Fee % | 3% |
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?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 2% |
| Returned Payment Fee | up to $41 |
| Late Payment Fee | up to $41 |
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 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 Exchange Bank Everyday Rewards Card customer service number 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 Exchange Bank Everyday Rewards Card login page?
You can access the Exchange Bank Everyday Rewards Card login page 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.
How to apply for Exchange Bank Everyday Rewards Card
- Visit the Exchange Bank Everyday 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.
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Contact
- Headquarters
-
250 W. Hancock Street
Milledgeville, GA 31061 USA - (478) 452-4531
- Visit Site
- Email Support
Other Services by Exchange Bank of Milledgeville
View all credit cards offered by Exchange Bank of Milledgeville
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | 5% |
| Minimum Cash Advance Fee ($) | $10 |
| Foreign Currency Transaction Fee | 2% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $1 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 24 days |
| Returned Payment Fee | Up to $41 |
| Late Fee Amount | Up to $41 |
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