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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
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 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 review will provide you with with all the details you need 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, 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 oods if your credit score is above650.
Pros & Cons of 1st Summit Bank VISA® Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Cardholders can earn rewards on purchases everywhere 1st Summit Bank VISA® Credit Card is accepted.
  • 1st Summit Bank VISA® Credit Card reports to multiple credit bureaus.
  • Charges an annual fee of $15
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
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.

1st Summit Bank VISA® Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit 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. It has lower than average regular APRs.

It 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.
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 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.

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.

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...
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.

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 days
Cash Advance Fee Minimum $2
Foreign Currency Transaction Fee 1%
Annual Fee $15
Over-Limit Fee $10
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 9.5%
Balance Transfer APR (Variable APR) 9.5%
Card Type
  • Low Interest
  • Rewards
Card Network Visa

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