Debit & Credit Cards

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

Learn More Apply Now
Card - Visa® Gold

Visa® Gold

Make large balances more manageable with our lowest rate card

APR 11.00-18.00%

No Annual Fee

Learn More Apply Now
Card - Visa® Platinum

Visa® Platinum

Earn points on every purchase, every day

  • 1x points on all purchases2
APR 12.50-18.00%

No Annual Fee

Learn More Apply Now
Card - Visa Signature®

Visa Signature®

Earn cash back on all purchases

  • 2x points on travel purchases3
  • 1% cash back on all other purchases2
  • 10,000 bonus points when you spend $3,000 in the first 90 days4
APR 12.50-18.00%

Annual Fee: $75

Learn More Apply Now

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!

LIMITED TIME OFFER through March 31

Learn More

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.

See How Much We Can Save You

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

Non-Cardholders: Apply Now

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. Not responsible for typographical errors.

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. 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.

3. Double points are awarded year-round based on purchases processed in the travel merchant category. The travel merchant category does not include restaurant purchases. Merchant Category Codes are determined by the individual merchant.

4. 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 11.00% to 18.00% (Gold) and 12.50% 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 February 2, 2023 and are subject to change at any time.