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.

Pros & Cons of 1st Summit Bank VISA® Credit Card

The Good	The Bad
Lower than average purchase APRs. Multiple credit card perks. Cardholders can earn rewards on their purchases. Offers auto rental collision damage waiver. Includes emergency support. Price Protection. Purchase Protection. Travel Accident Insurance. Travel Assistance. Earn rewards on every purchase.	Charges an annual fee of $15. Does not offer a signup bonus. Charges a foreign transaction fee of 1%. Does not report to credit bureaus.

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

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% .

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

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.