Visa® Credit Cards

 visa credit card

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. Ready to get your Summit Visa Credit Card? You can apply online, schedule a Virtual Branch Appointment, visit a branch, or contact us at (585) 453-7000 or (800) 836-SFCU.

Apply Online Schedule a Virtual Branch Appointment

the summit ios app

Download our new Credit Card Mobile App!

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

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

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

Choose from three different Credit Card options:

Card - Signature

Signature

Earn cash back on all purchases


  • 10,000 bonus points when you spend $3,000 in first 90 days
  • special introductory rate 1.95% for 6 months
  • 3x Points on qualified purchases

APR 10.25-18.00%

Annual Fee: $75

Card - Platinum

Platinum

Earn points on every purchase, every day


  • 3,000 bonus points when you spend $1,000 in purchases in first 90 days
  • special introductory rate 1.95% for 6 months
  • 2x points on qualified purchases

APR 10.25-18.00%

No Annual Fee

Card - Gold

Gold

Make your large balances a little more manageable with our lowest rate card


  • special introductory rate 1.95% for 6 months

APR 8.75-18.00%

No Annual Fee

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.

Sign Up Today

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

Design your own card

Make a statement with a personalized card.

I Want That

fraud protection

Fraud Protection

Protect yourself from unauthorized transactions.

View Details

High Credit Card Payments?

Not for long. Transfer a Balance Now.

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
    Rates as low as 8.75% APR on Balance Transfers with our Visa Gold Card.
  • Save money with no balance transfer fee, so your savings go right into your pocket.
  • Consolidate payments and pay down your balances
    Transfer multiple balances into one monthly payment, simplifying your finances.

Already have an account?

Complete your balance transfer in 5 simple steps:

  1. Sign in to your Online Access account and select Credit Cards in the top navigation bar
  2. Select Visa Access
  3. Select Services from the left navigation bar
  4. Select Balance Consolidation
  5. Follow the prompts and click submit

If you don’t have an online account, you can contact our Member Service Center at (800) 836-7328 or use our paper Visa Balance Transfer Form to transfer balances from your other loans and credit cards to your Summit Visa.

Want a custom designed credit card?

A credit card as unique as you are! Customize your Visa Credit Card with a photo. Simply upload a high-resolution image of your recent vacation, the new family pet or a special someone — the possibilities are endless. You can also choose an image from our library.

To order your personalized card:

  1. Sign in to your Online Access account
  2. Select Credit Cards and then select Visa Access
  3. Select Services and then select Design Your Own Card

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 Rates and Terms.

custom credit card

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) Introductory APR of 1.95% ends 180 days after the date of account opening on purchases and balance transfers. Purchases made during the six months after account opening will qualify for an interest rate of 1.95% until the six-month introductory period is up. After that, your regular APR will be applied to any unpaid purchases and balances posted during the introductory period. For example, suppose your credit card account is opened in June 2022. In that case, the 1.95% introductory rate will be valid through December 2022, and purchases made from June through December will have a rate of 1.95% until your 180 days ends in December and your regular APR would begin. You can view your billing cycle date and regular APR on your credit card statement. 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. As of July 28, 2022, APRs range from 8.75% to 18.00% and are subject to change. Your APR will depend on your creditworthiness and will vary with the market based on the Prime Rate. Limited to members in good standing. A $75 Annual Fee applies to Visa Signature Credit Card. 2) Visa Signature Card: If opened by 8/31, 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. Visa Platinum Card: If opened by 8/31, Accounts approved and issued by 8/31 will receive 3,000 bonus points statement credit upon spending $1,000 in purchase transactions within 3 months of account opening. Cash back points 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.

*Now through August 31, 2022, Visa Signature® Credit Cards are eligible for 3X points and Visa® Platinum Cards are eligible for 2X points. Bonus points are awarded based on purchases posted to account in the merchant categories associated with gas, groceries, streaming services, and travel by August 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.

APRs range from 8.75% to 18.00% (Gold) and 10.25% 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 July 28, 2022 and are subject to change at any time.