Review: S&T Bank Credit Cards

s&t-bankS&T Bank, with branches primarily in Pennsylvania, offers a number of credit cards to its clients. Observe that these playing cards are literally issued by S&T’s bank card companion Elan Monetary Providers. We provide an outline / overview of those playing cards under, together with our ideas on how they evaluate to different playing cards available on the market:

  • The Visa Platinum Card presents a 0% rate of interest in your purchases for 15 months. It additionally helps you to switch a stability from one other card and let that stability keep on this card for 15 months at a 0% fee. (Observe, nevertheless, that you just’ll pay a charge of three% of the quantity transferred to maneuver a stability onto this card from one other one.) No annual charge. Customary rate of interest might be 13.99% to 22.99%; your private fee will rely in your credit score historical past. (Evaluate this card to aggressive presents on our 0% Credit Cards page.)
  • The Visa Real Rewards Card presents you 1.5 factors per greenback on every thing you purchase with the cardboard, the equal of a 1.5% money again fee on all your purchases. Whereas this reward is aggressive in right now’s market, you will discover higher presents on our Cash Back Credit Cards page.
  • The Cash Rewards American Express is a no-annual-fee money again bank card that provides a 3% rebate on fuel, 2% at supermarkets, and 1% in all places else. Compare it to other Cash Back Credit Cards.
  • The Premier Rewards American Express Card has a $99 annual charge, although that charge is waived for the primary yr you’ve the cardboard. It’s a factors/money again card that offers you a 4% reward on restaurant purchases, 3% on airline purchases, 2% on fuel, and 1% in all places else. You will get a bonus 10,00Zero factors (price $100 if redeemed for money) while you spend at the very least $1000 with the cardboard within the first Three months of opening the account. A reasonably good rewards card, particularly within the first yr, although you may in all probability do higher as soon as that $99 annual charge kicks in. (Once more, see Cash Back Credit Cards for different choices.)
  • The S&T Secured Credit Card is for these new to credit score or these seeking to rebuild their credit score historical past. You deposit cash right into a financial savings account, and that cash turns into collateral. You then get a credit score line equal to the quantity of your deposit. Observe that you just nonetheless repay the cardboard every month — the cash you deposit is just not used to pay your payments, however is as a substitute safety for the financial institution. See our Secured Credit Cards page for extra data on how these playing cards work, and an inventory of higher secured playing cards from main banks that we’d select as a substitute of this one.