1st Summit Bank VISA® Credit Card
in Personal Credit Cards from 1st Summit Bank
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| Balance Transfer APR (Variable APR) | 9.5% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $15 |
| Purchase APR (Variable APR) | 9.5% |
1st Summit Bank VISA® Credit Card Review
1st Summit Bank VISA® Credit Card is a rewards credit card issued by 1st Summit Bank. If you're wondering whether 1st Summit Bank VISA® Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.
Key takeaways:
- Competitive APRs. 1st Summit Bank VISA® Credit Card has a variable purchase APR of 9.5%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, price protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
1st Summit Bank VISA® Credit Card Pros and Cons:
| The Good | The Bad |
|---|---|
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Is there a 1st Summit Bank VISA® Credit Card cash back or rewards program?
1st Summit Bank VISA® Credit Card offers a rewards program to its customers.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | 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
- Zero fraud liability
- Price Protection
- Travel Accident Insurance
- Travel Assistance
- ID Theft Protection
What are the relevant APRs for 1st Summit Bank VISA® Credit Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. 1st Summit Bank VISA® Credit Card has lower than average purchase 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 introductory APR offer on balance transfers?
No, 1st Summit Bank VISA® Credit Card does not come with an introductory APR offer for balance transfers.Does 1st Summit Bank VISA® Credit Card have an introductory APR offer on new purchases??
1st Summit Bank VISA® Credit Card does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase 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.
| 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 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 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.
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Contact
- Headquarters
-
125 Donald Lane
P.O. Box 5480
Johnstown, PA 15904 - (888) 262-4010
- Visit Site
Other Services by 1st Summit Bank
Feature Breakdown
| No Interest Grace Period for Late Payment | 25 days |
| Cash Advance Fee Minimum | $2 |
| Foreign Currency Transaction Fee | 1% |
| Annual Fee | $15 |
| Over-Limit Fee | $10 |
| Late Fee Amount | Up to $25 |
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