Credit Card Comparison
What is the best personal credit card for you? It depends on your individual financial journey. Personal credit cards can be a powerful tool in building your credit history, but it’s important that you have the right card for your needs.
We offer three types of personal cards – Rewards, Student and Secured. All of our credit cards give you monthly access to your FICO® Score with quarterly updates. Our credit cards can all be added to Apple Pay™, Android Pay™, and Samsung Pay™ for faster check out online and in person. Use our credit card finder tool below for an easy way to compare our credit cards and find out which one is right for you. We’d also love to talk with you about any of our credit card options. If you run or own a business, we also have several business credit card options available.
| = NO CHARGE
n/a = not available or not applicable
|Line Amounts Available||$1,000 - $35,000||$300 - $5,000||$300 - $5,000|
|Rewards1||1% on Purchases||1% on Purchases||n/a|
|Reward Distribution||Automatic statement credits quarterly in $50 increments||Automatic statement credits quarterly in $20 increments||n/a|
|Hometown Savings Deposits Account Required2||No||No||Yes|
|Alerts via Email and/or Text3|
|Apple Pay™, Android Pay™, Samsung Pay™ 3|
|Online Credit Card Payments|
|FICO® Score on Statements4|
|EMV® Chip Cards5|
|Transaction & Penalty Fees|
|Balance Transfer Fee||$0 for the first 3 months the account is open. After that, $5 or 3%, whichever is greater.||$0 for the first 3 months the account is open. After that, $5 or 3%, whichever is greater.||$0 for the first 3 months the account is open. After that, $5 or 3%, whichever is greater.|
|Cash Advance Transaction Fee||$5 or 3%, whichever is greater||$5 or 3%, whichever is greater||$5 or 3%, whichever is greater|
|Foreign Transaction Fee||3% of US dollar, minimum $1||3% of US dollar, minimum $1||3% of US dollar, minimum $1|
|Late Fee||up to $25||up to $25||up to $25|
|Return Payment Fee||up to $30||up to $30||up to $30|
|Interest Rates and Interest Charges|
|Purchase and Balance Transfer Introductory Annual Percentage Rate||0.00% introductory APR for the first six months the account is open||0.00% introductory APR for the first six months the account is open||n/a|
|Purchase and Balance Transfer Annual Percentage Rate||14.24% - 17.24% This APR will vary with the market based on Prime Rate.||14.24% - 17.24% This APR will vary with the market based on Prime Rate.||14.24% - 17.24% This APR will vary with the market based on Prime Rate.|
|Cash Advance Annual Percentage Rate||17.24% - 20.24% This APR will vary with the market based on Prime Rate.||17.24% - 20.24% This APR will vary with the market based on Prime Rate.||17.24% - 20.24% This APR will vary with the market based on Prime Rate.|
|Penalty Annual Percentage Rate||n/a||n/a||n/a|
|Minimum Interest Charge||$0.50||$0.50||$0.50|
|How We Calculate Interest||Average Daily Balance||Average Daily Balance||Average Daily Balance|
|Paying Interest||Interest charged on purchases if not paid in full each month and on balance transfers and cash advances when posted. 25 day grace period.|
Choosing the Best Credit Card for You
Before starting your personal credit card application, think about how you plan to use your credit card and what could most help you on your financial journey. Credit cards like our Secured Card can help you build your credit if your current credit score is not where you would like it to be. If consolidating a few credit cards into one with a lower interest rate would best help you, look for a card with a competitive rate. You can also choose a card that earns you rewards, like our Rewards card, that gives you credit back on your statement.
Paying Your Credit Card Bill
Once you’ve been approved for your new personal credit card, it’s time to make sure you’re prepared to make payments on time, every time. To do so, you’ll need to have a good understanding of your credit card bill, what the information means, and the way to set up your payments that best fit your lifestyle.
With your First Commonwealth Bank card, there are a few ways you can set up payments. Your monthly bill can be sent to you via mail or electronically – you’ll simply receive an email each month letting you know that your bill is available to view online.
All of our cards can be added to our BillPay within Online Banking, so that you can make automatic payments. This is an especially helpful tool if you have trouble remembering to send in a check each month. You can also pay your credit card bill over the phone by calling us at 800.711.BANK (22265). Just be sure to have your information handy so we can process your request.
Spotting Identity Theft on Your Credit Card
It's no surprise that identity theft is an area of concern for all of us. So what can you do to protect yourself and your personal information? When it comes to your credit cards, keep an eye out for theft by regularly checking your credit card statements and your credit reports for suspicious activity.
According to the Consumer Financial Protection Bureau, fraudsters will often make small transactions on your account and then return to make larger purchases if the small transaction goes unnoticed. Keeping a close eye on your credit card statement can help identify these unauthorized charges. At First Commonwealth Bank, we also have several programs in place to help identify any unusual activity on your credit cards and will contact you to verify transactions.
1 Purchases do not include cash advances, balance transfers, or illegal transactions. The maximum amount of rewards credited to your account per calendar year is $500. The maximum amount of rewards earned per calendar year is $1,000.
2 Balance equal to card limit required to be maintained in the deposit account.
3 Standard message, data and internet service provider rates may apply.
4 FICO® Scores are updated quarterly. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
5 First Commonwealth’s credit cards have an EMV® chip that encrypts information to help increase data security for transactions at terminals or ATMs that are chip-enabled.