Bank · FDIC insured
Exchange Bank Credit Card Rates
Exchange Bank credit cards start at 10.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Exchange Bank’s credit card rates compare
Compared with banks and credit unions near Gadsden, AL, where Exchange Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Exchange Bank
10.99%APR
- Up to
- —
Visa Platinum
Lowest rate
Emblem Credit Union
9.90%APR
- Up to
- —
2nd-lowest rate
WinSouth Credit Union
9.90%APR
- Up to
- 13.50% APR
Exchange Bank credit card score
77
Credit card score
Higher than 44% of U.S. banks and credit unions
- Purchase APRPurchase APR10.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Exchange Bank ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Classic
Subject to credit approval. Rates subject to change. Products and services are subject to applicable customer agreements, terms, conditions, disclosures, and application requirements.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.99% | $20 | Standard Pricing: 18.99% Variable Rate. This APR will vary with the market based on Prime Rate (prime + 11.99%). |
Sources (1)
- exba.com/credit-cards · captured Oct 5, 2026
Visa Platinum
Subject to credit approval. Rates subject to change. Products and services are subject to applicable customer agreements, terms, conditions, disclosures, and application requirements.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 3.99% | None | Platinum Pricing: 3.99% Introductory APR for the first 6 billing cycles that your account is open. |
| Ongoing | 10.99% | None | After that, 10.99% (prime + 3.99%). The APR will vary with the market based on Prime Rate. |
Sources (1)
- exba.com/credit-cards · captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.