1st Summit Bank Business VISA® Credit Card
in Business Credit Cards from 1st Summit Bank
Unaffiliated1st Summit Bank Business VISA® Credit Card
in Business Credit Cards from 1st Summit Bank
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| Purchase APR (Variable APR) | 9.5% |
| Balance Transfer APR (Variable APR) | 9.5% |
| Credit Score Range | 700 - 850 |
| Annual Fee | $15 |
1st Summit Bank Business VISA® Credit Card Review
- Competitive APRs. 1st Summit Bank Business VISA® Credit Card has a variable purchase APR of 9.5%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, price protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
| The Good | The Bad |
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Who is 1st Summit Bank business credit card designed for?
This is a credit card issued by 1st Summit Bank.
This business card is designed for small business owners with good credit. The minimum credit score to apply is 700.
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 credit card does not offer an introductory rate on new purchases.| 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.
- An overlimit fee of $10.
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.
| Fees | Amount |
|---|---|
| Annual Fee | $15 |
| Foreign Transaction Fee | 1% |
| Late Payment Fee | up to $25 |
Does it offer a cash back rewards program?
No, it does not offer a cash back rewards program.
Can I get it with just an employer identification number (EIN)?
You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.What are the benefits?
This business credit card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Fraud Liability
- Price Protection
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What is the customer service phone number?
The customer service number for this business card is (888) 262-4010.
What is the support contact email?
The support contact email for this business credit card is info@1stsummit.bank.
Does 1st Summit Bank Business VISA® Credit Card report your account activity to credit bureaus?
Yes, 1st Summit Bank Business VISA® Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply?
- Visit the 1st Summit Bank .
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
Contact
- Headquarters
-
125 Donald Lane
P.O. Box 5480
Johnstown, PA 15904 - (888) 262-4010
- Visit Site
- Email Support
Other Services by 1st Summit Bank
Availability
- 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
| No Interest Grace Period for Late Payment | 25 days |
| Annual Fee | $15 |
| Cash Advance Fee Minimum | $2 |
| Foreign Currency Transaction Fee | 1% |
| Late Fee Amount | Up to $25 |
| Over-Limit Fee | $10 |
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