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Build or rebuild your credit with our fixed rate card
Make large balances more manageable with our lowest rate card
Earn points on every purchase, every day
Earn cash back on all purchases
Discover all the ways you can reward yourself, from statement credit and cash back to gift cards, travel, merchandise and more.
No Balance Transfer Fee1
Pay down an existing balance at a lower rate.
Calculate Your Savings
Real Time Alerts
Track your spending with Visa Purchase Alerts.
A simple, more secure way to pay using your Summit Visa Credit Card.
Credit Card App
The Summit Cards app makes credit card management easy.
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Protect yourself from unauthorized transactions.
Stay connected with these great features:
Check out our banking app too!
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
The national average APR is 20.72%.** Enjoy rates as low as 11.75% when you transfer your balances to one of our cards.
The national average balance transfer fee is 3-5%.** With no balance transfer fee on our Summit Visa Card, the savings go right into your pocket.
Simplify your payments by transferring multiple balances into one easy monthly payment.
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.
*Promotion: 11/1/23 through 12/31/23, 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, 11/1/23 through 12/31/23. 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.
**Savings based on national average for variable rate credit cards per Bankrate as of October 4, 2023 and national average balance transfer rate as of July 21, 2023.