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

1. Introductory APR of 6.95% ends 180 days after the date of account opening on purchases and balance transfers for all credit card accounts excluding Visa®️ Secured opened 6/1/24 through 8/31/24. Purchases made during the 180 days after account opening will qualify for an interest rate of 6.95% 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 6/2/24, the 6.95% introductory rate will be valid on purchases and balance transfers through 11/29/24. 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.
2. 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.
3. 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.
4. 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.
5. 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.
6. 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.