The Exchange Bank is a business credit card from Exchange Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 12.99% - 22.99% Variable. Signup bonus: 2,500 bonus rewards points after first purchase. Rewards: flexible rewards. Cash back: 1 point = $0.01. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).