Visa Secured Credit Card

The Summit Visa® Secured Credit Card

For people who are looking for a simple way to build or rebuild credit by using a credit card for everyday purchases.

APR 14.45% | Annual Fee: $0 | Balance Transfer Fee: $01

For first steps and second chances

without paying high rates or outrageous fees.

Get Your Credit Back on Track:

With a minimum of a $300 refundable security deposit*

Access a flexible credit line based on your security deposit amount

Use your card responsibly

Make on time payments

Features and Benefits



Extended Warranty Protection provides you with features that help you manage, use and extend the warranties for eligible items purchased that carry a manufacturer’s warranty.

Register a product

Travel Assistance Services

Enjoy checked & carry-on baggage & baggage delay assistance.

Plus, take advantage of Travel and Emergency Assistance Services.

Auto Rental Collision Damage Waiver

Auto rental insurance will automatically cover vehicle damage or theft up to the full value of most vehicles when you rent a car with your Visa Secured Credit Card.

Visa Account

Visa will automatically update your card information with participating merchants that are set up for recurring charges when your card is replaced.

mobile banking

Digital Wallets

A simple, more secure way to pay using your Summit Visa Credit Card.

View the Visa Guide to Benefits to learn more!


Fixed Rate

Enjoy a fixed rate on purchases you make every day and balance transfers!

Earn Dividends

Earn dividends on your Secured Credit Card Share.

savings piggy bank

Save Money

Save money with no annual fee and a rate lower than the national average.


Upgrade to an unsecured card after establishing a responsible credit history!

Still Working On Your Credit History?

We have great resources to help you on your financial wellness journey.


GreenPath’s certified experts will empower you to eliminate financial stress, get out of debt, increase savings, and achieve your financial goals.

The Summit Blog

Our blog includes ways to save, pay down debt, and build your credit. Get insights and tips on finances, plus information from our community partners.

Balance Transfers

Save money on interest and simplify monthly payments by paying down your debt in a single monthly payment.

Protection You Expect from The Summit

ID Navigator

Your basic protection is powered by NortonLifeLock, offering Dark Web Monitoring, Data Breach Notifications, Stolen Wallet Assist, Privacy Monitor, and more.

Confirm Eligibility

Turn Your Card On/Off

Add an extra layer of protection and prevent authorized transactions with Visa Card Controls.

mail caution

Real Time Alerts

Track your spending with Visa Purchase Alerts.


Zero Liability

Guard against fraud with liability protection on purchases made with your Summit Visa Secured Credit Card.

See How the Secured Card Compares to Our Other Credit Cards

Signature Card
Platinum Card
Gold Card
Secured Card
Special Offer
10,000 Points2
Earn Points
Earn 3 points per dollar on gas, restaurants, streaming, and travel3 and 1 point per dollar on all other purchases4
Earn 2 points per dollar on gas, restaurants, streaming, and travel3 and 1 point per dollar on all other purchases4
Redemption Options
Cash back4
Statement credit
Gift cards
Gift cards
Complimentary Concierge Service
Travel Baggage Benefits
Insurance coverage up to $2,000
Trip cancellation or interruption reimbursement
Up to $2,000
NortonLifeLock Identity Theft Monitoring
Service and protection up to $10,000
Basic service
Basic service
Basic service
Annual Fee

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.

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

Non-Cardholders: Apply Now

Pay a lower rate

The national average APR is 20.67%.** Enjoy rates as low as 11.75% when you transfer your balances to one of our cards.

No balance transfer fee

The national average balance transfer fee at financial institutions is 3-5%.** With no balance transfer fee on our Summit Visa Card, the savings go right into your pocket.

Consolidate payments

Simplify your payments by transferring multiple balances into one easy monthly payment.

Do more with Mobile Banking

Stay connected with these great features:

  • 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

Learn more

Download Today!

Check out our banking app too!

VISA Installment Agreement | VISA Rates and Terms | VISA Guide to Benefits | Visa Signature Guide to Benefits

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 July 1, 2024 and are subject to change at any time.

  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. Visa Signature accounts approved and issued will receive 10,000 bonus points statement credit upon spending $3,000 in purchase transactions within 90 days 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.
  3. 7/1/24 through 8/31/24, Visa Signature®️ Credit Cards are eligible for 3X points and Visa®️ Platinum Cards are eligible for 2X points. Bonus points are awarded based on purchases posted to account in the merchant categories associated with travel, gas, restaurants, and streaming services by 8/31/24. 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.
  4. 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. Cash back is redeemable in $25 increments deposited into your Summit account, or as a payment to your credit card.
  5. 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 Visa Concierge Terms of Service | Visa.

*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.

**Savings based on national average for variable rate credit cards per Bankrate as of June 14, 2024 and national average balance transfer rate as of April 10, 2024.