Visa® Credit Cards

 Intro Image

The Summit has Visa®️ Credit Cards made just for you.

Our cards are designed to get you where you’re going, reward you for everyday purchases or strengthen your credit. We’re here to help you find the best credit card for your lifestyle with benefits and features such as credit cards with no annual fee and cash back rewards. Plus, our Visa Credit Cards are now issued with contactless technology so you can tap and go at participating merchants.


Ready to get your Summit Visa Credit Card?

Apply Today Schedule a Zoom Appointment

Or visit a Summit branch or call (800) 836-SFCU.

Explore our credit card options:

Card - Visa® Secured

Visa® Secured

APR 14.45%
No Annual Fee
No Balance Transfer Fee1

Build or rebuild your credit with our fixed rate card

  • Travel & Protection Benefits
  • Fixed rate
  • Earns dividends on secured share
  • Requires a refundable minimum of $300 security deposit2
  • Your credit limit is based on the amount of your security deposit and your ability to repay.

Card - Visa® Gold

Visa® Gold

APR 11.75%-18.00%
No Annual Fee
No Balance Transfer Fee1

Make large balances more manageable with our lowest rate card

  • Travel & Protection Benefits
  • Our lowest rate card

Card - Visa® Platinum

Visa® Platinum

APR 13.25%-18.00%
No Annual Fee
No Balance Transfer Fee1

Earn points on every purchase, every day

  • Travel & Protection Benefits
  • Exclusive bonuses and discounts in the CURewards® Mall
  • Earn 1 point per dollar on all purchases3
  • Redemption Options
    Gift cards

Card - Visa Signature®

Visa Signature®

APR 13.25%-18.00%
Annual Fee: $75
No Balance Transfer Fee1

Earn cash back on all purchases

  • Travel & Protection Benefits
  • Exclusive bonuses and discounts in the CURewards® Mall
  • Earn 2 points per dollar on travel purchases4
  • Earn 1 point per dollar on all other purchases3
  • 10,000 bonus points when you spend $3,000 in the first 90 days5
  • Redemption Options
    Cash back
    Statement credit3
    Gift cards
  • Complimentary Visa Signature® Concierge Service6

Additional Card Features and Benefits

balance transfer

No Balance Transfer Fee1

Pay down an existing balance at a lower rate.

Calculate Your Savings

purchase alerts

Real Time Alerts

Track your spending with Visa Purchase Alerts.

Enroll Now

mobile pay

Digital Wallets

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

Get Started

design your own credit card

Credit Card App

The Summit Cards app makes credit card management 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.

Current Cardholders: Complete your transfer in minutes in your Online Access.

Non-Cardholders: Apply Now

Pay a lower rate

The national average APR is 20.33%.** Enjoy rates as low as 11.75% when you transfer your balances to one of our cards.

No balance transfer fee

The average balance transfer fee is 3-5%.** With no balance transfer fee the savings go right into your pocket.

Consolidate payments

Simplify your payments by transferring multiple balances into one easy monthly payment.

How Will You Redeem Your Rewards?

Discover all the ways you can reward yourself, including these and more.

forms & instructions

Statement Credit and cash back

Signature Card Only

Gift Cards

Amazon, Walmart, Home Depot & more!


Hotel, airline, and more!


Clothing, electronics, entertainment, and more!

Take Advantage of Your Rewards Today

Redeem your rewards online!

  1. Log into CU Rewards Mall®. If you don’t have an account, click Register to create an account. Tip: Have your card information ready to complete registration. 
  2. Click Redeem and choose options from Merchandise, Book Travel and more. For Signature Cards statement credit, or cash back, go to the More homepage to make your selection.
  3. Earn even more while you shop! From the homepage, select Earn then Shop Mall. You will earn points just by shopping at your favorite brand-name retailers. Stock up on clothing, electronics, entertainment, home and garden gear and more. Always keep an eye out for special offers that can earn you points faster than the regular one point for every dollar spent.

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. APRs range from 14.45% (Secured), to 11.75% to 18.00% (Gold), and 13.25% 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 July 27, 2023 and are subject to change at any time.

  1. 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.
  2. For The Summit Federal Credit Union’s Visa® Secured Credit Card, the minimum line is $300 and the maximum line amount is $2,500. Please see our Visa Rates & Terms for complete details on the terms and conditions of your Visa Secured Credit Card Account. All amounts on deposit in the Secured Account shall earn interest at a rate as a share account indicated in The Summit Federal Credit Union’s Rate and Fee Schedule.
  3. Cash back and rewards 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. Cash back is redeemable in $25 increments deposited into your Summit account, or as a payment to your credit card.
  4. Double points are awarded based on purchases processed in the travel merchant category. It does not include restaurant purchases. Merchant Category Codes are determined by the individual merchant.
  5. 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.
  6. Summit Visa Signature cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders’ behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service at

**Savings based on national average for variable rate credit cards per Bankrate and average balance transfer rate as of May 18, 2023.