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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.
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Real Time Alerts
Track your spending with Visa Purchase Alerts.
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Digital Wallets
A simple, more secure way to pay using your Summit Visa Credit Card.
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Credit Card App
The Summit Credit Cards app makes credit card management easy.
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Fraud Protection
Protect yourself from unauthorized transactions.
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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 Online Access.
Non-Cardholders: Apply Now
The national average APR is 20.39%.7 Enjoy rates as low as 11.00% when you transfer your balances to one of our cards.
The national average balance transfer fee is 3-5%.7 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. Your APR will depend on your creditworthiness and will vary with the market based on the Prime Rate. APRs shown are as of November 12, 2024 and are subject to change at any time.
*Introductory APR of 6.45% ends 180 days after the date of account opening on purchases and for all credit card accounts excluding Visa®️ Secured opened 11/1/24 through 12/31/24. Purchases made during the 180 days after account opening will qualify for an interest rate of 6.45% until the 180 day 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, if your credit card account is opened on 11/2/24, the 6.45% introductory rate will be valid on purchases through 5/1/25. 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. A $75 Annual Fee applies to Visa Signature®️ Credit Card. As of 11/1/24, APRs range from 11.00% 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.
**11/1/24 through 12/31/24, Visa Signature®️ Credit Cards are eligible for 3X points and Visa®️ Platinum Cards are eligible for 2X points. Bonus points are awarded based on all purchases posted to account by 12/31/24. 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.