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  Visa Signature® Max Cash Preferred Card
Visa Signature® Max Cash Preferred Card Unaffiliated

Visa Signature® Max Cash Preferred Card

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Highlights
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 Starting at 650
Annual Fee $0

Visa Signature® Max Cash Preferred Card Review

This is a cashback credit card issued by Exchange Bank of Milledgeville. If you're wondering whether Max Cash Preferred Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • Cash back maximized to fit your life. Get more value with up to 5% cash back in 2 categories you choose.
  • 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 cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
  • 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.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Max Cash Preferred Card

The Good The Bad
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No balance transfer fee.
  • No annual fee.
  • Travel accident insurance.
  • Cardholders can earn rewards on their purchases.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2%.
  • Does not report to credit bureaus.

Max Cash Preferred Card FAQ

Does Max Cash Preferred Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

Max Cash Preferred Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($)

Does Max Cash Preferred Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Max Cash Preferred Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Max Cash Preferred Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Travel Accident Insurance
  • Free Credit Report

What are the relevant APRs for Max Cash Preferred 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® Max Cash Preferred 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% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does Max Cash Preferred 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 12 months.

Visa Signature® Max Cash Preferred Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 17.49% - 27.49%

Does Max Cash Preferred 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 Max Cash Preferred Card?

The following fees apply:

  • There is no overlimit fee
Max Cash Preferred Card Fees
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 cashback card.

Does Max Cash Preferred Card have a foreign transaction fee?

Max Cash Preferred 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 Max Cash Preferred Card?

The Max Cash Preferred Card customer service number is (478) 452-4531.

What is the support contact email for Max Cash Preferred Card?

The support contact email for Max Cash Preferred Card is servicing@exch.bank.

What is the Max Cash Preferred Card login page?

You can access the Max Cash Preferred Card login page here.

How do people rate the customer service and user experience of Max Cash Preferred Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

How to apply for Max Cash Preferred Card

  • Visit the Max Cash Preferred 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.

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.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • 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
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 -
Credit Card Benefits
  • Fraud Liability
  • Travel Accident Insurance
  • Free Credit Report
Bonus Offer Cash back maximized to fit your life. Get more value with up to 5% cash back in 2 categories you choose.
Rewards Categories
  • 5% Cash Back on Internet / Cable / Phone Services
  • 2% Cash Back on Gas
  • 2% Cash Back on Groceries
  • 2% Cash Back on Restaurants
  • 1% Cash Back on Every Purchase
Cash Advance APR (Variable APR) 28.99%
APR Type Variable APR
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 17.49% - 27.49%
(Verified 09/23/2022)
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 17.49% - 27.49%
(Verified 09/23/2022)
Card Type
  • Rewards
  • Cashback
Card Network Visa

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