Balance Transfer Calculator

Choose a card to transfer your balance to:


Balance Transfer Rate 1

Lowest Rate Card with an APR as low as 11.50%

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Balance Transfer Rate 1

Rewards Card with an APR as low as 13.00%

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Balance Transfer Rate 1

Cash Back Card with an APR as low as 13.00%

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Enter the Duration of your Balance Transfer Rate (in months)

Enter your current credit card information

Transfer Amount Your Current Rate Savings Per Card
Card 1
Card 2
Card 3

Great News!

When you transfer to The Summit Card with a % Balance Transfer Rate, you will save a total of over the course of months!

Apply Now   or fill out the form below to start the Visa Balance Transfer Process.


That’s an impressive rate; we recommend that you stay with your current card. But please check back with us in the future, as we frequently offer special credit card rates. And if your current card rates are introductory, come see us when those rates end to find out how much money you can save.

Already a Summit Cardholder? Complete your transfer in minutes.

1. Log in to Online Access
2. Select Credit Cards
3. Choose Balance Transfer
4. Click Balance Transfer in the menu on the right

Become a Summit Cardholder
Apply Now

Savings are for illustration purposes only. Actual savings may differ. Call at (585) 453-7000 or (800) 836-7328 to see exactly how much we'll save you.
1. APRs range from 11.50% to 18.00% (Gold), and 13.00% to 18.00% (Platinum & Signature). Your APR will depend on your creditworthiness and will vary with the market based on the Prime Rate. APRs shown are as of May 4, 2023 and are subject to change at any time. 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. $75 Annual Fee applies to Visa Signature Credit Card.