Exchange Bank
Credit Cards

VISA® Platinum
from Exchange Bank

VISA® Platinum
from Exchange Bank



Important Disclosures

Competitive Rates

Competitive Rates

Zero Fraud

Zero Fraud Liability

Customer Service

24/7 Customer Service in the U.S.

Pen & Paper

Interest Rates & Fees Summary

Purchase APR
3.99% Introductory APR for the first 6 billing cycles that your account is open. After that, 7.24% (prime + 3.99%)

Your APR will be based on your credit worthiness.
Balance Transfer APR
No Fee; APR same as Purchase APR
Annual Fee
$0
Purchase APRBalance Transfer APRAnnual Fee
3.99% Introductory APR for the first 6 billing cycles that your account is open. After that, 7.24% (prime + 3.99%)

Your APR will be based on your credit worthiness.
No Fee; APR same as Purchase APR$0

Please see Important Disclosures for interest rate, fee, and other information. All terms may be subject to change.

Additional Product Features

  • Online account information

Important Disclosures

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VISA® Platinum
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases7.24% Variable Rate. This APR will vary with the market based on Prime Rate.
3.99% Introductory APR for the first 6 billing cycles that your account is open. After that, 7.24% (prime + 3.99%)
Your APR will be based on your credit worthiness.
APR for Balance Transfers7.24% Variable Rate. This APR will vary with the market based on Prime Rate.
3.99% Introductory APR for the first 6 billing cycles that your account is open. After that, 7.24% (prime + 3.99%)
Your APR will be based on your credit worthiness.
APR for Cash Advances7.24% Variable Rate. This APR will vary with the market based on Prime Rate.
3.99% Introductory APR for the first 6 billing cycles that your account is open. After that, 7.24% (prime + 3.99%)
Your APR will be based on your credit worthiness.
Paying InterestYour due date is at least 25 days after close of each billing cycle.
We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
The Interest charge on cash advances begins from the date you obtain the cash advance.
The Interest charge on balance transfers begins with the date the transaction is posted to your account.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore
Fees
Annual Fee$0
Transaction Fees
• Cash Advance3% of cash advanced (Minimum $15.00 and Maximum $75.00)
• Foreign TransactionCurrency Conversion 1% of the U.S dollar amount of transaction.
Penalty Fees
• Late PaymentUp to $35.00
• Returned PaymentUp to $35.00
• Declined Access CheckUp to $35.00
Other Fees
• Pay By Phone$10.00 (Fee only imposed when speaking to a live representative)

Variable Rate: We calculate your variable rate by adding a percentage to the Prime Rate published in The Wall Street Journal and is subject to change when Prime Rate changes.

Military Lending APR: Effective October 1, 2017, Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).