Enjoy a 6.95% APR1 for 180 days with no balance transfer fees when you transfer your balances to any of our Summit Visa® Credit Cards. After that, rate returns to your regular2 APR.

Become a Summit Cardholder

Discover the benefits. Find the Summit Visa® Credit Card that fits your lifestyle.

Already a Summit Cardholder?

Complete your transfer in minutes. Log in to Online Access > Select Credit Cards > Choose Visa Access > Click Balance Transfer

Experience Better Rates

Get a 6.95% APR on Balance Transfers, plus regular rates as low as 10.25% APR.

Pay Down Debt

Transfer multiple balances into one monthly payment, simplifying your finances.

Fight High Interest

With no balance transfer fees and low rates, the savings go right into your pocket.

Let Us Help You Transfer Your Balances Today

If you have any questions or would like help starting the process, please fill out the form below, visit any Summit branch or contact our Member Services at (800) 836-7328.

Federally insured by NCUA. Membership eligibility required. Subject to credit approval. Must be 18 years of age or older to apply. 

1. Promotional APR available on qualified balance transfers posted between December 1, 2022 and March 31, 2023 for Gold, Platinum and Signature credit cards. Credit Cards opened from June 15, to August 31, 2022 are excluded from the Promotional APR offer. Limited to members in good standing. Minimum of $100 per balance transfer. Promotional APR of 6.95% ends 180 days after the date of account transfer. After that, your regular APR will be applied. For example, suppose your balance transfer occurred in March 2023, in that case the 6.95% promotional rate will be valid until your 180 days ends in September and your regular APR would begin. You can view your billing cycle date and regular APR on your credit card statement. Promotional rate cannot be used to pay off other Summit credit cards.

2. APRs range from 10.75% to 18.00%. Your APR will depend on your creditworthiness and will vary with the market based on the Prime Rate. APRs shown are as of January 1, 2023 and are subject to change at any time. 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. $75 Annual Fee applies to Visa Signature Credit Card.