Credit Cards

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Everyone loves cash back rewards. Get rewarded 3x faster with your Visa Signature Card® from The Summit Federal Credit Union! Now through August 31st, use your card to get triple points on every purchase. Plus, earn an exclusive sign up bonus of 10,000 points2 when you spend $3,000 in the first 3 months. Redeem points for cash3, gift cards or merchandise. Don’t have a card? Apply Today!

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:

Signature
Platinum
Gold
Ideal if you want:
Cash Back and Travel Points
Learn more
Reward Points and No Annual Fee
A Great Rate and No Annual Fee
Promotion Details: 6/15 - 8/31
Earn 3x points on all purchases.

Annual fee waived for the first 12 months1.

Spend $3,000 in 90 days and earn 10,000 points2.
Earn 2x points when you gas up, eat out or shop around.4.

Plus, earn 3,000 bonus points2 when you open your card by August 31st.
n/a
Reward Points:
Every dollar equals 1 point. Spend $3,000 in 90 days and earn 10,000 points. See CURewards® for details
Every dollar equals 1 point. See CURewards® for details
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Annual Percentage Rate for Purchases
9.75% - 18.00%
9.75% - 18.00%
8.25% - 18.00%
Annual Fee:
$75
None
None
Balance Transfer Fee:
None
None
None
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™:

1. If Visa Signature card is opened by 8/31, Annual Fee is waived for 12 months. After that, $75 Annual Fee applies. 2. 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. 2. Visa Platinum card accounts approved and issued by 8/31 will receive 3,000 bonus points. 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 (Visa Signature) and 3,000 (Platinum) bonus points. Please allow 4 weeks to receive the statement credit.  3. 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. 4. Visa Platinum Cards are eligible for 2X points on purchases processed in the merchant categories associated with gas, restaurant and retail purchases.  Merchant Category Codes are determined by the individual merchant. 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.

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.


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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.