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  1st Summit Bank VISA® Credit Card

1st Summit Bank VISA® Credit Card

in Personal Credit Cards from 1st Summit Bank

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1st Summit Bank VISA® Credit Card

Unaffiliated

in Personal Credit Cards from 1st Summit Bank

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Highlights
Highlights
Annual Fee $15
Purchase APR  (Variable APR) 9.5%
Balance Transfer APR  (Variable APR) 9.5%
Credit Score Range 650 - 850

1st Summit Bank VISA® Credit Card Review

1st Summit Bank VISA® Credit Card is a rewards credit card issued by 1st Summit Bank. 

This card is designed for people with fair credit. The minimum credit score to apply is 650. If you're wondering whether 1st Summit Bank VISA® Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a 1st Summit Bank VISA® Credit Card cash back or rewards program?

1st Summit Bank VISA® Credit Card offers a rewards program to its customers.

1st Summit Bank VISA® Credit Card Rewards
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?

1st Summit Bank VISA® Credit Card doesn't offer a cash signup bonus.

Does 1st Summit Bank VISA® Credit Card offer an annual loyalty bonus?

1st Summit Bank VISA® Credit 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
  • Fraud Liability
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • ID Theft Protection

What are the relevant APRs for 1st Summit Bank VISA® Credit Card?

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 introductory APR offer?

No, 1st Summit Bank VISA® Credit Card does not come with an introductory APR offer for balance transfers. 1st Summit Bank VISA® Credit Card does not offer an introductory rate on new purchases.
1st Summit Bank VISA® Credit Card Balance Transfers
Description
Balance Transfer APR 9.5%
Introductory Rate N/A
Intro APR period (months) N/A
1st Summit Bank VISA® Credit Card Rates & Terms
Description
Balance Computation average daily balance (including new purchases)
Purchase APR 9.5%
Credit Limit N/A
Penalty APR N/A
Cash Advance APR N/A
Security Deposit N/A
Introductory Rate N/A
Intro APR period (months) N/A

What are the 1st Summit Bank VISA® Credit Card fees?

The following fees apply to 1st Summit Bank VISA® Credit Card:

  • An overlimit fee of $10.
1st Summit Bank VISA® Credit Card Fees
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 a foreign transaction fee.

How to apply for 1st Summit Bank VISA® Credit Card

  • Visit the 1st Summit Bank website.
  • 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.

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.

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...

Contact

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

Other Services by 1st Summit Bank

Feature Breakdown

No Interest Grace Period for Late Payment 25
Over-Limit Fee $10
Annual Fee $15
Late Fee Amount Up to $25
Cash Advance Fee Minimum $2
Foreign Currency Transaction Fee 1%
Minimum Age 18
Credit Score Range 650 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Car Rental Insurance  
Fraud Liability  
Travel Insurance  
Emergency Support  
Lost Luggage Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Every Purchase
Purchase APR (Variable APR) 9.5%
Balance Computation average daily balance (including new purchases)
Balance Transfer APR (Variable APR) 9.5%

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