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Credit Card Comparison

What is the best credit card for you? It depends on your personal financial journey. The best credit cards provide you with solutions that fit your needs while also giving you access to your FICO® Score. Our credit card finder is an easy way to compare credit cards to find which one is right for you. We'd also love to talk with you about any of our credit card options.

check = NO CHARGE

n/a = not available or not applicable 

Rewards Card

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Student Card

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Secured Card

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Features
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 Banking       
Online Credit Card Payments        
eStatements       
FICO® Score on Statements4       
EMV® Chip Cards5      
Mastercard SecureCode®6      
Pricing
Annual Fee  $0 $0 $25
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  13.74% - 16.74% This APR will vary with the market based on Prime Rate. 13.74% - 16.74% This APR will vary with the market based on Prime Rate. 13.74% - 16.74% This APR will vary with the market based on Prime Rate.
Cash Advance Annual Percentage Rate  16.74% - 19.74% This APR will vary with the market based on Prime Rate. 16.74% - 19.74% This APR will vary with the market based on Prime Rate. 16.74% - 19.74% 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.

 

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.

6 Mastercard SecureCode® is a private code for your Mastercard account that gives you an additional layer of online shopping security.