1st Summit Bank VISA® Credit Card
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| Purchase APR (Variable APR) | 9.5% |
| Balance Transfer APR (Variable APR) | 9.5% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $15 |
1st Summit Bank VISA® Credit Card Review
This is a rewards card issued by 1st Summit Bank. If you're wondering whether 1st Summit Bank VISA® Credit Card is the right card for you, read on.
Key Takeaways
- Competitive APRs. 1st Summit Bank VISA® Credit Card has a variable purchase APR of 9.5%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, identity theft protection, price protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of 1st Summit Bank VISA® Credit Card
| The Good | The Bad |
|---|---|
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1st Summit Bank VISA® Credit Card FAQ
Does 1st Summit Bank VISA® Credit Card have a cash back or rewards program?
1st Summit Bank VISA® Credit Card is a rewards card.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
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?
It 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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?
The following fees apply:
- An overlimit fee of $10.
| Fees | Amount |
|---|---|
| Annual Fee | $15 |
| Overlimit Fee | $10 |
| Foreign Transaction Fee | 1% |
| Late Payment Fee | up to $25 |
Does 1st Summit Bank VISA® Credit Card have a foreign transaction fee?
1st Summit Bank VISA® Credit 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 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 1st Summit Bank VISA® Credit Card customer service number 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 1st Summit Bank VISA® Credit Card login page?
You can access the 1st Summit Bank VISA® Credit Card login page 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 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 for 1st Summit Bank VISA® Credit Card
- Visit the 1st Summit Bank VISA® Credit Card website.
- 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.
Contact
- Headquarters
-
125 Donald Lane
P.O. Box 5480
Johnstown, PA 15904 USA - (888) 262-4010
- Visit Site
- Email Support
Other Services by 1st Summit Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $2 |
| Foreign Currency Transaction Fee | 1% |
| Annual Fee | $15 |
| Over-Limit Fee | $10 |
| No Interest Grace Period for Late Payment | 25 days |
| Late Fee Amount | Up to $25 |
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