Apply For A Personal Credit Card | First Commonwealth Bank Skip To Content
Two Women Outside Talking
Two Women Outside Talking

The Card You Choose Matters

The card you choose matters, which is why you should make our credit card your card.

Apply for a Credit Card Online

The credit card you choose matters, so whether you want to earn 1% rewards back on your purchases, or want to build your credit, our personal credit card options can help you on your financial journey. Compare our personal credit cards to see what's best for you.

Find The Right Account For You

All of our personal credit cards feature:

 

Why Apply for a Credit Card?

When you open a credit card account, you start to create a credit history that can help you build your credit rating and eventually may help qualify you for loans and other financial opportunities. By paying on your credit card on time each month, you show trustworthiness to potential lenders. Even if you already have a credit history, getting and paying on a new credit card could improve your credit.

Other reasons to consider a credit card include:

  • Perks that come with the card, such as buyer protection.
  • Reward programs in return for using the card.
  • A source of emergency funding to fall back on should you need money quickly.
  • Ease of online shopping.

How to Find the Right Credit Card

The right credit card will vary from person to person based on your financial situation and priorities for the short and long term. Whenever you consider a new card, you should look at the annual percentage rate (APR) which measures how much interest you pay on your purchases each month. The lower the APR, the better. Be sure to review disclosures and understand that an APR can adjust to a higher amount. You should also consider annual fees and minimum repayment rates.

What Should You Look for in Business Credit Cards?

Business credit cards allow you to separate your personal and business finances. The separation makes accounting easier and simplifies your returns at tax time. When you have a business credit card, you can track business-related expenses and see a breakdown of where your money is going. You see expenditures over time and can adjust spending. You qualify for a business credit card if you are a:

  • Small or large business owner.
  • Sole proprietor.

What you value in a business credit card may differ from what you look for in a personal credit card. You can often find special low APRs, though sometimes they rise after a limited introductory period. Consider whether you will authorize several employees to use the card or if it will just be you using it. Keep in mind that liability protections for business credit cards are different from those that apply to personal cards.

Find the right credit card for you.

 

Rewards Credit Card

  • 0% introductory APR on purchases and balance transfers for 6 months1
  • No balance transfer fee for 3 months from account opening1
  • Earn 1% rewards on your everyday purchases
  • Rewards automatically credited to your account quarterly2
  • Credit limits of $1,000 to $25,000

View the Rewards Cardmember Agreement and Terms and Conditions

Student Credit Card

  • 0% introductory APR on purchases and balance transfers for 6 months1
  • No balance transfer fee for 3 months from account opening1
  • Earn 1% rewards on your everyday purchases
  • Rewards automatically credited to your account quarterly2
  • Credit limits of $300 to $5,000

View the Student Cardmember Agreement and Terms and Conditions

Secured Credit Card

  • Re-build or establish credit with responsible use
  • No balance transfer fee for 3 months from account opening3
  • Credit limits of $300 to $5,000 with corresponding security deposit


View the Secured Cardmember Agreement and Terms and Conditions

Additional Resources

If you lose your credit card, immediately notify us at 800-711-BANK (2265)

 

Contact Us Today to Apply for a Credit Card Online

It’s time to take control of your finances. Whether you want a credit card with cashback rewards or a business credit card, you can find the solution you need from First Commonwealth Bank. We make it easy for you to apply for a rewards card or other type of personal credit card online. You can fill out your application today online or schedule an appointment to get started.

FICO is a registered trademark of Fair Issac Corporation in the United States and other countries.

1 A 0.00% introductory Annual Percentage Rate (APR) on purchases and balance transfers for 6 months from Rewards Card or Student Card opening. After the 0.00% APR 6 month introductory period the APR will be a variable rate 14.24% to 17.24% based on creditworthiness. The APR will vary with the market based on Wall Street Journal Prime Rate plus a margin of 8.74% to 11.74%. No balance transfer fee for the first 3 months the account is open. After that a fee of $5 or 3% of the transfer whichever is greater, will be assessed for each completed balance transfer. No annual fee for the Rewards or Student Card.

2 At the end of each billing period, the Reward Bonus is calculated by multiplying the total amount of purchases by 1%. Purchases do not include cash advances, balance transfers, or illegal transactions. Earned rewards will be automatically credited to your account on calendar quarters in increments of $50.00 for the Rewards Card and $20.00 for the Student Card. The maximum amount of rewards credited to your account per calendar year is $500.00. The maximum amount of rewards earned per calendar year is $1,000.00. Rewards, not credited, will expire 3 years after being earned and will be forfeited if you close your account. Rewards will not be earned if your account is over 60 days past due or you have declared bankruptcy.

3 No balance transfer fee for the first 3 months the account is open. After that a fee of $5 or 3% of the transfer whichever is greater will be assessed for each complete balance transfer. Annual fee of $25 assessed to the Secured Card beginning one year after account opening.