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Last Updated: 05/14/2026

1st Summit Bank Business VISA® Credit Card

from 1st Summit Bank

Last Updated: 05/14/2026

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Highlights

Purchase APR (Variable APR)

9.5%(Verified 06/21/2024)

Disclaimer popup with additional information

Balance Transfer APR (Variable APR)

9.5%(Verified 06/21/2024)

Disclaimer popup with additional information

Annual Fee

$15

Credit Score Range

700 - 850

1st Summit Bank Business VISA® Credit Card Review

This is a card issued by 1st Summit Bank. If you're wondering whether 1st Summit Bank Business VISA® Credit Card is the right card for you, read on.

Key Takeaways

APRs: 1st Summit Bank Business VISA® Credit Card has a variable regular purchase APR of 9.5%
Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, price protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
Good or excellent credit required. You will have low approval odds if your credit score is below good.

Pros & Cons of 1st Summit Bank business credit card

The Good

The Bad

Potentially lower than average purchase APRs.
Multiple business credit card perks.
Offers Auto Rental Collision Damage Waiver*.
Travel accident and travel assistance insurance.
1st Summit Bank Business VISA® Credit Card reports to multiple credit bureaus.

You need good credit to qualify.
Charges an annual fee of $15
Does not offer a signup bonus.
Does not offer rewards or cash back.
Charges a foreign transaction fee of up to 1%.
You don't earn rewards on every purchase.

What are the relevant APRs?

This business credit card has a variable purchase APR of 9.5%. The card has a variable balance transfer APR of 9.5% .

Does it have an introductory APR offer?

No, this business card does not come with an introductory APR offer for balance transfers.

This business card does not offer an introductory rate on new purchases.

1st Summit Bank business credit card Rates & Terms

Purchase APR

9.5%

Balance Transfer APR

9.5%

What fees does it charge?

The following fees apply to this business credit card:

An annual fee of $15 .
A late payment penalty of up to $25 .

Does it charge a foreign transaction fee?

This business card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.

1st Summit Bank business credit card Fees

Fees

Amount

Annual Fee

$15

Foreign Transaction Fee

Late Payment Fee

up to $25

Does it offer a cash back or rewards program?

No, it does not offer a cash back rewards program.

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.

Message from 1st Summit Bank business credit card

We provide purchasing power for your business. 1ST SUMMIT BANK gives you and your associates the ability to make business purchases with our Business VISA® Credit Card. Everything you need in a credit card is available here at 1ST SUMMIT BANK. We provide an effortless way to make purchases with a 25 day grace period and competitive interest rates.

Contact

Headquarters

125 Donald Lane

P.O. Box 5480

Johnstown, PA 15904

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

9:00AM - 5:00PM

Tuesday

9:00AM - 5:00PM

Wednesday

9:00AM - 5:00PM

Thursday

9:00AM - 5:00PM

Friday

9:00AM - 6:00PM

Saturday

9:00AM - 12:00PM

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.