Rate Credit Cards

INTRODUCING THE SECURED CARD

Boost or rebuild your credit with the new Summit Visa® Secured Card

Whether you are looking to transfer balances to a low interest credit card, or to establish or boost your credit score, compare features and benefits to find the best credit card for you and your lifestyle.

Secured Card

APR 14.45%

Annual Fee: $0

Secured Card – Features & Benefits

Travel

  • Travel and Emergency Assistance Services

Protection

  • Visa Account Updater (for recurring charges)
  • Visa Zero Liability Fraud Protection
  • Auto Rental Collision Damage Waiver
  • NortonLifeLock identity theft monitoring service. (Enrollment required. Learn more.)
  • Extended Warranty Protection

Other

  • Helps establish or re-build
  • Earn dividends on secured share
  • Requires funds on deposit
  • Fixed rate
emv credit card gold

Gold Card

APR 11.00%-18.00%

Annual Fee: $0

Gold Card – Features & Benefits

Travel

  • Travel and Emergency Assistance Services

Protection

  • Visa Account Updater (for recurring charges)
  • Visa Zero Liability Fraud Protection
  • Auto Rental Collision Damage Waiver
  • NortonLifeLock identity theft monitoring service. (Enrollment required. Learn more.)
  • Extended Warranty Protection

See How Our Cards Compare

Signature Card
Platinum Card
Gold Card
Secured Card
APR
12.50% to 18.00%
12.50% to 18.00%
11.00% to 18.00%
14.45%
Rewards
Points & Cash Back
Points
No Rewards
No Rewards
Annual Fee
$75
$0
$0
$0
Balance Transfer Fee1
No Fee
No Fee
No Fee
No Fee
Travel and Emergency Assistance Services
Yes
No
No
No

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

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.

Current Cardholders: Apply through your Online Access account.


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.

For The Summit Federal Credit Union’s Visa® Secured Credit Card, the minimum line is $300 and the maximum line amount is $2,500. As of 9/23/22 the APR is a fixed rate of 14.45% APR and is subject to change at any time. 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.

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.

APRs range from 11.00% to 18.00% (Gold). 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.