Debit & Credit Cards

Whether you prefer to make purchases using a Debit Card, Credit Card or a combination of both, The Summit has a card to fit your lifestyle. Our EMV Debit and Credit Cards will give you the security and convenience you need with the rewards you love. Click the tabs below to learn more and to choose the option that’s right for you. Or let one of our Member Services Representatives help you.

Get the Convenience and Security of The Summit Visa® Debit Card

The Summit Visa® Debit Card rewards you every time you use it. Funds come directly from your Summit checking account, so the card works as:

  • An ATM Card for accessing your checking or savings account

  • A point-of-sale card for making purchases

  • A Debit Card for obtaining cash at the register

We offer three types of rewards Debit Cards. Learn about our three Debit Card options below:

My Rewards™ Platinum Card
My Rewards™ Gold Card
Debit Card with Purchase Rewards
Cash Back with Purchase Rewards1
Earn Points for Everyday Purchases
3 points per $100
2 points per $100
Cash Back when Shopping Online2
Average of 5% Cash Back
Average of 3.5% Cash Back
Bonus Points for Online Purchases2
Average of 50 Bonus Points per $100
Average of 35 Bonus Points per $100
Local Discounts & Coupons
Exclusive Rewards, Vacation Packages, Events, etc.
Emergency Roadside Assistance
3 events annually; Up to $100 per event
1 events annually; Up to $100 per event
Prescription Savings
Medical Evacuation and Repatriation Benefits
100% of cost covered
25% of cost covered
Cell Phone Protection
2 claims annually. Up to $500 per claim. $50 deductible per claim.
Extended Warranty
Buyers Protection
Expedited Card Replacement
Monthly Cost per Card
Get Your 90 Day Free Trial

Or, to order your Summit Debit Card with Purchase Rewards stop by any Summit branch or call the Member Service Center at (800) 836-7328 extension 7030.

1 Cash back rewards available only at certain merchants and on specific transactions. Must activate offer to be eligible for reward.
2 Points earned and cash back amounts vary by retailer. Any brand names included above should be assumed to be a valid and enforceable trademark belonging to their respective owners.

Earn Purchase Rewards Chosen Specifically for You

Start earning rewards today just by using your Summit Visa Debit Card! The program is available to all Summit Debit cardholders and provides targeted offers for rewards on purchases based on how you shop.

There is no limit to the rewards you can earn. The more you use your card, the more offers you’ll receive to activate and enjoy!

To get started:

  • Log into your Summit Online Access account to view your personal offers located to the right of your checking activity.

  • Benefit from special offers for rewards on purchases at major retailers and restaurants based on how you shop.

  • Click a “New Offer” to activate it.

  • Rewards are typically deposited to your account the month after the offer is redeemed.

There is no fee to participate or activate an offer. Get started now!

Purchase Rewards – FAQs and Terms and Conditions.

Cash back rewards available only at certain merchants and on specific transactions. Must activate offer to be eligible for reward.

Fraud Protection for your Summit Debit Card

The Summit offers a variety of fraud protection services for your Debit Card. Visit our Fraud Prevention Center to learn more.

Image: Five Credit Card Transactions for a chance to win $500!

One Winner Each Week!

Now through October 31st use your Summit Visa® credit card at least five times1 each week and be automatically entered to win $500!

Each entry period will run from Thursday through Wednesday and we’ll announce a winner every Friday. See drawing rules for details.

NO PURCHASE NECESSARY. The Summit is not responsible for lost, damaged, delayed or illegible entries or for errors or failures in electronic transmission. Promotional Period: 8/30/18-10/31/18. An eligible Summit Visa® Credit Cardholder will automatically receive one (1) sweepstakes entry for every five eligible Visa purchases of $20 or more made during the Promotional Period. Only eligible purchases made with a Visa Credit Card that is not in default during the Promotional Period are eligible for automatic entry. Cash advances not included. Entry periods will run Thursday through Wednesday. Weekly prize winners will be chosen the Friday of each contest week. Winners will be selected by random drawing. Odds of winning depend on the total number of entries received. You must be a member of The Summit to take advantage of The Summit’s products, and services. Officers, directors, and employees of The Summit or its affiliates, and the immediate family members of any such person, are not eligible. Any individual that has won a Summit contest in the past 12 month period is not eligible to win. To enter without purchase or obligation: Send a self-addressed, stamped envelope to The Summit FCU, c/o “Summit FCU/ 5 for $500 Sweepstakes, Canal Ponds Business Park, 100 Marina Dr., Rochester, NY 14626, Attn: Marketing, or by Phone: Call toll-free at (800) 836-SFCU, ext. 7030. See a branch or for Official Rules. Gift will be reported to the IRS. Any Applicable taxes are the responsibility of the member/consumer.

Visa® Credit Cards

Credit Cards to Fit your Lifestyle

Whether you’re shopping around the corner, online, or around the world, Summit Visa Credit Cards give you the purchasing power – and value – you need. Welcomed at millions of locations, our Visa Credit Cards have affordable low rates and no balance transfer fees. Ready to get your Summit Visa Credit Card? You can apply onlinevisit a branch, or contact us at (585) 453-7030 or (800) 836-SFCU extension 7030.

Choose from three different Credit Card options:

Ideal if you want:
Cash Back and Travel Points
Learn more
Reward Points and No Annual Fee
A Great Rate and No Annual Fee
Reward Points:
1% Cash back on ALL purchases1 2x on Travel Purchases2 Spend $3,000 in 90 days and earn 10,000 points3 See CURewards® for details
Every dollar equals 1 point1. See CURewards® for details
Annual Percentage Rate for Purchases
9.75% - 18.00%
9.75% - 18.00%
8.25% - 18.00%
Annual Fee:
Balance Transfer Fee:
Cash Advance:
2% of the transaction amount in U.S. dollars.
2% of the transaction amount in U.S. dollars.
2% of the transaction amount in U.S. dollars.
Real-Time Purchase Alerts
Design Your Own Card:
Apple Pay™:

Open an Account Today!

Open Account

Membership eligibility required. Subject to credit approval. Must be 18 years of age or older to apply. Our Foreign Transaction Fee is 1% of the transaction amount in U.S. dollars. APRs shown are as of June 15, 2018 and are subject to change at any time.

1. Cash back 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. See Visa Rates and Terms for cash back options. 2. 2X Double points are awarded based on purchases processed in the travel merchant category. Merchant Category Codes are determined by the individual merchant. 3. Accounts approved and issued will receive 10,000 bonus points statement credit upon spending $3000 in purchase transactions within 3 months of account opening. Cash advances, credit card checks, and balance transfers do not qualify as purchase transactions. Each 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 5. APR = Annual Percentage Rate. Subject to credit approval. Must be 18 years of age or older to apply. $75 Annual Fee associated with Visa Signature Credit Card. 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 9.50% to 18.00%. Your APR will depend on your creditworthiness. APRs are subject to change at any time.

Transfer your High Rate Balances to a Summit Visa Credit Card & Save

It’s easy to transfer your balances to your Summit Credit Card at any time:

  • Log in to Summit Online Access

  • Select Credit Cards in the top navigation bar

  • Select Visa Access from the drop down list

  • Select Services from the left navigation bar

  • Select Balance Consolidation from the drop down list

Or use our paper Visa Balance Transfer Form to transfer balances from your other Credit Cards to your Summit Credit Card.

Design Your Own Card

Uniquely You! Customize your Visa Credit Card with your favorite photo. Simply upload a high-resolution image of your recent vacation, the new family pet or your precious newborn — the possibilities are endless! You can also choose an image from our library.

To order your personalized card:

  • Log into Summit Online Access.

  • Select Credit Cards and then select Visa® Access.

  • Select Services and then select Design Your Own Card.

Use of the Design Your Own Card service is subject to program Terms and Conditions and Image Guidelines. There is a fee of $9.95 for this service. Please refer to the Visa Rates and Terms.

The Ultimate in Fraud Protection

All Summit cards are equipped with EMV Chips. That means you’ll be able to use your card with confidence anywhere Visa is accepted.

What is EMV?

EMV stands for EuroPay, MasterCard®, Visa® and it represents chip technology that increases security.

How do I use my EMV Chip card?

If the merchant is chip-card ready, you will be prompted to insert your card into the terminal where it will communicate with the microchip to determine if the card is authentic. Follow the prompts on the terminal and remove the chip card when prompted to do so. If the merchant isn’t chip-card ready, the transaction will process using the magnetic strip on your card.