Visa® Credit Cards

 visa credit card

Find a Summit Visa® Credit Card 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 fees1.

Ready to get your Summit Visa Credit Card? 

Apply Online Schedule a Zoom Appointment

Explore our credit card options:

Card - Visa® Secured

Visa® Secured

Rebuild credit with no annual fee


APR 14.45%

No Annual Fee

Card - Visa® Gold

Visa® Gold

Make large balances more manageable with our lowest rate card


APR 10.25-18.00%

No Annual Fee

Card - Visa ® Platinum

Visa ® Platinum

Earn points on every purchase, every day

  • 2x points on all purchases1

APR 11.75-18.00%

No Annual Fee

Card - Visa Signature ®

Visa Signature ®

Earn cash back on all purchases

  • 3x points on all purchases1
  • 10,000 bonus points when you spend $3,000 in the first 90 days2

APR 11.75-18.00%

Annual Fee: $75

All Cards Have

balance transfer

No balance transfer fee

Pay down an existing balance at a lower rate.

See how much we can save you

purchase alerts

Real time purchase alerts

Track your spending with Visa Purchase Alerts.

Enroll now

mobile pay

Apple Pay, Google Pay and Samsung Pay

A simple, more secure way to pay using your Summit Visa Credit Card.

Get started

design your own credit card

Mobile banking

The Summit FCU banking app makes managing your account easy.

Download the app

fraud protection

Fraud Protection

Protect yourself from unauthorized transactions.

Learn more

We’re making credit card management even easier for you!

Easily and securely manage your credit card with our mobile app – The Summit Cards.

  • Make Payments
  • View Transactions & Account Details
  • Dispute a Transaction
  • Set Alerts & Card Controls
  • Report a Lost or Stolen Card
  • Set Travel Notifications
  • Turn Card On or Off

Download Today!

Check out our banking app too!

High balances? Not for long.

Transfer balances to your Summit credit card and save.

With a balance transfer, you can save money on interest and simplify your monthly payments by paying down your debt in a single monthly payment.

  • Pay a lower rate. Enjoy a lower rate when you transfer your balances to one of our cards.
  • With no balance transfer fee, your savings go right into your pocket.
  • Consolidate payments and pay down your balances. Transfer multiple balances into one monthly payment, simplifying your finances.

Current Cardholders: Apply through your Online Access account.

VISA Installment Agreement | VISA Rates and Terms | VISA Guide to Benefits | Visa Signature Guide to Benefits

FEDERALLY INSURED BY NCUA. Membership eligibility required. Subject to credit approval. Must be 18 years of age or older to apply.

1. November 15 through December 31, 2022, Visa Signature® Credit Cards are eligible for 3X points and Visa® Platinum Cards are eligible for 2X points. Bonus points will be awarded on all purchases posted to account, November 15 through December 31, 2022. Points rewarded will be based on net purchases (sum of eligible purchase transactions minus returns and refunds) posted to your account at the close of each billing cycle.

2. Visa Signature accounts approved and issued will receive 10,000 bonus points statement credit upon spending $3,000 in purchase transactions within 3 months of account opening. Cash advances, credit card checks, and balance transfers do not qualify as purchase transactions. Each Signature card account is eligible for 1 statement credit of 10,000 bonus points. Please allow 4 weeks to receive the statement credit.

APRs range from 10.25% to 18.00% (Gold) and 11.75% to 18.00% APR (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 November 16, 2022 and are subject to change at any time.