Review: S&T Bank Credit Cards

s&t-bankS&T Bank, with branches mainly in Pennsylvania, offers a number of credit cards to its customers. Note that these cards are actually issued by S&T’s credit card partner Elan Financial Services. We offer an overview / review of these cards below, including our thoughts on how they compare to other cards on the market:

  • The Visa Platinum Card offers a 0% interest rate on your purchases for 15 months. It also lets you transfer a balance from another card and let that balance stay on this card for 15 months at a 0% rate. (Note, however, that you’ll pay a fee of 3% of the amount transferred to move a balance onto this card from another one.) No annual fee. Standard interest rate will be 13.99% to 22.99%; your personal rate will depend on your credit history. (Compare this card to competitive offers on our 0% Credit Cards page.)
  • The Visa Real Rewards Card offers you 1.5 points per dollar on everything you buy with the card, the equivalent of a 1.5% cash back rate on all of your purchases. While this reward is competitive in today’s market, you can find better offers on our Cash Back Credit Cards page.
  • The Cash Rewards American Express is a no-annual-fee cash back credit card that offers a 3% rebate on gas, 2% at supermarkets, and 1% everywhere else. Compare it to other Cash Back Credit Cards.
  • The Premier Rewards American Express Card has a $99 annual fee, though that fee is waived for the first year you have the card. It is a points/cash back card that gives you a 4% reward on restaurant purchases, 3% on airline purchases, 2% on gas, and 1% everywhere else. You can get a bonus 10,000 points (worth $100 if redeemed for cash) when you spend at least $1000 with the card in the first 3 months of opening the account. A pretty good rewards card, especially in the first year, though you can probably do better once that $99 annual fee kicks in. (Again, see Cash Back Credit Cards for other options.)
  • The S&T Secured Credit Card is for those new to credit or those looking to rebuild their credit history. You deposit money into a savings account, and that money becomes collateral. You then get a credit line equal to the amount of your deposit. Note that you still pay off the card each month — the money you deposit is not used to pay your bills, but is instead protection for the bank. See our Secured Credit Cards page for more information on how these cards work, and a list of better secured cards from major banks that we’d choose instead of this one.