Rewards Credit Cards
Earn more with a Summit Visa® Credit Card.
Our Summit Visa® Credit Cards have features and benefits for every lifestyle. Whether you want to earn travel rewards, points, or cash back on everyday purchases, compare our cards to find the one that’s right for you.
Signature Card
APR 12.75-18.00%
Annual Fee: $75
Platinum Card
APR 12.75-18.00%
Annual Fee: $0
Signature Card – Features & Benefits
REWARDS
- 2x points on travel purchases1
- 1% cash back on all other purchases2
- 10,000 bonus points when you spend $3,000 in the first 90 days3
- Statement credit for points
- Exclusive bonuses and discounts in the CURewards Mall
- Cash back for points
Platinum Card – Features & Benefits
REWARDS
- 1x points on all purchases2
- Exclusive bonuses and discounts in the CURewards Mall
Travel
- Complimentary Visa Signature® Concierge Service4
- Trip cancellation/trip interruption with reimbursement up to $2,000 per trip
- Checked & carry-on baggage & baggage delay insurance coverage up to $3,000
- Travel and Emergency Assistance Services
Travel
- Travel and Emergency Assistance Services
- Checked & carry-on baggage & baggage delay insurance coverage
Protection
- Visa Account Updater (for recurring charges)
- Visa Zero Liability Fraud Protection
- Auto Rental Collision Damage Waiver
- NortonLifeLock identity theft monitoring service and protection up to $10,000 (Enrollment required: Learn more.)
- Extended Warranty Protection
- Warranty Manager Service
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
Rewards Calculator
How much do I spend
on travel per month?
$500/mo
How much do I spend
on monthly purchases?
$1,500/mo
Redeem Your Points
Statement Credit
(Signature Card only)
See How Our Cards Compare
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Signature Card
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Platinum Card
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Gold Card
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Secured Card
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APR
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12.75-18.00%
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12.75-18.00%
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11.25-18.00%
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14.45%
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Rewards
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Points & Cash Back
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Points
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No Rewards
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No Rewards
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Annual Fee
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$75
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$0
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$0
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$0
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Balance Transfer Fee5
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No Fee
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No Fee
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No Fee
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No Fee
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Travel and Emergency Assistance Services
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Yes
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Yes
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Yes
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Yes
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All Cards Have
Real time purchase alerts
Track your spending with Visa Purchase Alerts.
Enroll now
Apple Pay, Google Pay and Samsung Pay
A simple, more secure way to pay using your Summit Visa Credit Card.
Get started
Credit card app
The Summit Cards app makes credit card management easy.
Download the app
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!
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: 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. 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.
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. 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.
4. 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 visasignatureconcierge.com.
5. 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 11.25% to 18.00% (Gold) and 12.75% 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 March 23, 2023 and are subject to change at any time.
