Visa® Credit Cards

Credit Cards to Fit your Lifestyle

Whether you're shopping around the corner, online or around the world, Summit Visa Credit Cards give you the purchasing power - and value - you need. Welcomed at millions of locations, our Visa Credit Cards have affordable low rates and no balance transfer fees.

Enjoy a great low rate of 3.95% APR on Balance Transfers until your September 2018 billing cycle. After that, APR returns to your regular APR.

Move your balances and save with The Summit today. To get started, log into your account in Summit Online Access or use the paper form below. 

*Promotional APR available on qualified balance transfers posted between January 1, 2018 and March 31, 2018. Minimum of $100 per balance transfer. Promotional APR ends the day after your September 2018 billing cycle begins. For example, if your September 2018 billing cycle begins on September 27, 2018 your promotional APR would end on September 28, 2018. You can view your billing cycle date and your regular APR on your credit card statement. Promotional offer cannot be used to pay off other Summit credit cards. Limited to members in good standing. $75 Annual Fee applies to Visa Signature Credit Card.

Ready to get your Summit Visa Credit Card?

You can apply online, visit a local Summit branch, or contact us at (585) 453-7030 or (800) 836-SFCU extension 7030. Or learn more about our credit cards.

Want to transfer your high rate balances to a low rate Summit Visa Credit Card?

Already a Summit cardholder? 

It's easy to transfer your balances your Summit Credit Card at any time:

  • Log in to Online Access
  • Select Credit Cards in the top navigation bar
  • Select Visa Access from the drop down list
  • Select Services from the left navigation bar
  • Select Balance Consolidation from the drop down list

Or use our paper Visa Balance Transfer Form to transfer balances from your other Credit Cards to your Summit Credit Card. 

Choose from 3 different Credit Card options:





Apply Now Apply Now Apply Now
Ideal For You If You Want: Cash Back and Double Travel Points
Learn More
Reward Points A Great Rate and No Annual Fee
Reward Points Every dollar equals 1 point
Double points for travel purchases
See CURewards® for details
Every dollar equals 1 point
See CURewards® for details
Real-time Purchase Alerts Yes - Enroll Today Yes - Enroll Today Yes - Enroll Today
Annual Percentage Rate (APR) for Purchases 9.25%-18.00% 9.25%-18.00% 7.75%-18.00%
Annual Fee $75 None None
   VISA® Debit Card:Balance Transfer Fee None None None
Cash Advance 2% of the transaction amount in U.S. dollars.  Yes2 2% of the transaction amount in U.S. dollars. 2% of the transaction amount in U.S. dollars.
Design Your Own Card

Yes - Fee applies

Yes - Fee applies

Yes - Fee applies

Apple Pay™ Learn more. Learn more. Learn more.

Membership eligibility required. Subject to credit approval. Must be 18 years of age or older to apply. Our Cash Advance Fee is 2% of the cash advance amount and our Foreign Transaction Fee is 1% of the transaction amount in U.S. dollars. APRs shown are as of December 16, 2017 and are subject to change at any time.

EMV Chip Technology

The Ultimate in Fraud Protection

All Summit cards are equipped with EMV Chips. That means you’ll be able to use your card with confidence anywhere Visa is accepted.

What is EMV?

EMV stands for EuroPay, MasterCard®, Visa® and it represents chip technology that increases security. While EMV cards are widely accepted throughout Europe, many merchants in the United States are still updating their payment terminals to process EMV transactions.

How do I use my new card?

If the merchant isn’t EMV-ready, the transaction will process using the magnetic strip on your card. If the merchant is ready, you will be prompted to insert your card into the terminal where it will communicate with the microchip to determine if the card is authentic. Follow the prompts on the terminal and remove the chip card when prompted to do so.

For more information, visit the Visa Chip Card Technology page.

Design Your Own Card*

Turn your memories into works of art that you can carry in your wallet. Your recent vacation, the new family pet or your precious little baby – the possibilities are endless! Upload a high-resolution image or choose an image from our library.

To order your personalized card:

  • Log into Summit Online Access
  • Click on Visa Access
  • Select “Services” and then click “Design Your Own Card”

If you don't have Online Access, contact the Member Service Center at (800) 836-7328 or (585) 453-7030 and a Member Service Representative would be happy to help you.

*Use of the Design Your Own Card service is subject to program Terms and Conditions and Image Guidelines. There is a fee of $9.95 for this service. Please refer to the Visa® Credit Cards Rates and Terms for more information.


With CURewards, you automatically earn points every time you make a purchase using your card. These valuable points can be redeemed for airline tickets, premium merchandise and much more. Plus, there is a CURewards Mobile App that allows you to redeem your CURewards points for merchandise right from your tablet or mobile device. Download the CURewards app for Apple and Android today!

Ordering a new card

If your Visa Card is lost, stolen, compromised, or you simply need to remove a joint owner, there are a few steps to remember when ordering a new Visa card with a new card number:

  1. Stop any auto payments from the old card and move them to the new card number.
  2. Change your card number within Summit Online Access so you can view your new card online. To do this, simply log in to Online Access and click on the link for Visa Access. Once there, click on the Remove Card link located to the right of the loan due date. To add your new card, go to Quick Links on the right hand side of the page and click on Add New Card and follow the prompts.
  3. If you have a Visa Platinum, make sure you re-register on the CURewards website.

Visa resources

Visa Credit Card Customer Service

(866) 820-4085

Lost or Stolen Visa Credit Card

(800) 449-7728

We also sell Visa gift cards at our branches, which are the perfect solution for your gift giving needs!

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Government Agency

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You must be a member of The Summit FCU to take advantage of its products and services
Serving Central & Western New York
2012 by The Summit Federal Credit Union. All rights reserved

Summit Online Access Enrollment

Enrolling in Online Access is easy - here's how:

If you don't have an Online Access PIN or need assistance, please call (585) 453-7030 or (800) 836-7328.