Visa® Credit Cards
3.95% APR on Balance Transfers until your September 2019 billing cycle.
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 online, visit a branch, or contact us at (585) 453-7030 or (800) 836-SFCU extension 7030.
Choose from three different Credit Card options:
Earn 1X points per dollar on every purchase, every day
- 1x points for every purchase
No Annual Fee
Make your large balances a little more manageable with our lowest rate card
No Annual Fee
All cards have:
Membership eligibility required. Subject to credit approval. Must be 18 years of age or older to apply. APRs shown are as of September 28, 2018 and are subject to change at any time. APRs range from 8.50% to 18.00%. Your APR will depend on your creditworthiness. 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.
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.
Transfer a Balance Now
Transfer balances from other credit cards and loans to your Summit Visa and save money. 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.
Want to transfer a balance to your Summit Credit Card?
Sign in to your Online Access account and select Credit Cards in the top navigation bar
Select Visa Access
Select Services from the left navigation bar
Select Balance Consolidation
Follow the prompts and click submit
If you don’t have an online account, you can contact our Member Service Center or use our paper Visa Balance Transfer Form to transfer balances from your other loans and credit cards to your Summit Visa.
Want a custom designed credit card?
A credit card as unique as you are! Customize your Visa Credit Card with a photo. Simply upload a high-resolution image of your recent vacation, the new family pet or a special someone — the possibilities are endless. You can also choose an image from our library.
To order your personalized card:
Sign in to your Online Access account
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.