Bank · FDIC insured
First Commonwealth Bank Credit Card Rates
First Commonwealth Bank credit card rates start at 15.74% APR. Rates checked October 16, 2026.
How First Commonwealth Bank’s credit card rates compare
Compared with banks and credit unions near Pittsburgh, PA, where First Commonwealth Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
First Commonwealth Bank
– –
No ongoing APR published
Lowest rate
SouthWest Communities Federal Credit Union
7.00%APR
2nd-lowest rate
Pittsburgh Firefighters' Federal Credit Union
7.99%APR
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Rewards Credit Card
Line amounts available from $1,000 to $25,000 (up to $50,000 noted on product page). 1% rewards on everyday purchases credited quarterly in $50 increments. No annual fee. Balance transfer fee: $0 for the first 3 months, then $5 or 3% (whichever is greater).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0.00% introductory Annual Percentage Rate (APR) on purchases for 6 months from account opening. |
| Ongoing | 15.74%–18.74% | None | Variable APR after 6-month introductory period based on creditworthiness; varies with the market based on Wall Street Journal Prime Rate plus a margin of 8.74% to 11.74%. |
| Ongoing | 18.74%–21.74% | None | Variable APR based on Prime Rate. Cash advance transaction fee is $5 or 3%, whichever is greater. |
Sources (2)
All captured Oct 16, 2026
Secured Credit Card
Credit limits from $300 to $5,000. Requires collateral funds equal to the credit limit held in a First Commonwealth Hometown Savings deposit account. $25 annual fee (assessed beginning one year after account opening). No balance transfer fee for the first 3 months, then $5 or 3% (whichever is greater).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.74%–18.74% | $25 | Variable APR; varies with the market based on Prime Rate. Annual fee of $25 assessed beginning one year after account opening. Deposit account balance equal to card limit required. |
| Ongoing | 18.74%–21.74% | $25 | Variable APR; varies with the market based on Prime Rate. Cash advance transaction fee is $5 or 3%, whichever is greater. Annual fee of $25 assessed beginning one year after account opening. Deposit account balance equal to card limit required. |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.