Last Updated: 07/28/2025
1st Summit Bank VISA® Credit Card
Unaffiliated
in Credit Cards from 1st Summit Bank
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
9.5%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
9.5%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$15
1st Summit Bank VISA® Credit Card Review
This is a rewards card issued by 1st Summit Bank. If you're wondering whether 1st Summit Bank VISA® Credit Card is the right card for you, read on.
Key Takeaways
- APRs: 1st Summit Bank 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 credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, identity theft protection, price protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of 1st Summit Bank VISA® Credit Card
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1st Summit Bank VISA® Credit Card FAQ
Does 1st Summit Bank VISA® Credit Card have a cash back or rewards program?
1st Summit Bank VISA® Credit Card is a rewards card.
| Description |
Does 1st Summit Bank VISA® Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does 1st Summit Bank VISA® Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the 1st Summit Bank VISA® Credit Card benefits?
1st Summit Bank VISA® Credit Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Zero fraud liability
- Price Protection
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for 1st Summit Bank VISA® Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.1st Summit Bank VISA® Credit Card has a variable purchase APR of 9.5%. The card has a variable balance transfer APR of 9.5% .
Does 1st Summit Bank VISA® Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does 1st Summit Bank VISA® Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for 1st Summit Bank VISA® Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $15.
Does 1st Summit Bank VISA® Credit Card have a foreign transaction fee?
1st Summit Bank VISA® Credit Card charges a foreign transaction fee of up to 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 card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for 1st Summit Bank VISA® Credit Card?
The customer service number for 1st Summit Bank VISA® Credit Card is (888) 262-4010.
What is the support contact email for 1st Summit Bank VISA® Credit Card?
The support contact email for 1st Summit Bank VISA® Credit Card is info@1stsummit.bank.
What is the login page for 1st Summit Bank VISA® Credit Card?
You can access the login page of 1st Summit Bank VISA® Credit Card here.
How do people rate the customer service and user experience of 1st Summit Bank VISA® Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does 1st Summit Bank VISA® Credit Card report your account activity to credit bureaus?
Yes, 1st Summit Bank VISA® Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does 1st Summit Bank perform a hard credit pull?
Yes, 1st Summit Bank VISA® Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for 1st Summit Bank VISA® Credit Card
- Visit the website of 1st Summit Bank VISA® Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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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.
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