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.

We’re making credit card management even easier for you!

Easily and securely manage your credit card with The Summit Cards mobile app.

Download our new Credit Card Mobile App!

Get it on Google Play Download on the App Store

Features & Benefits

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Make Payments

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View Transactions & Account Details

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Dispute a Transaction

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Set Alerts & Card Controls

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Report a Lost or Stolen Card

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Set Travel Notifications

High Credit Card Payments?

Not for long. Transfer a Balance Now.

3.75% APR on Balance Transfers until your September 2020 billing cycle. After that, APR returns to your regular APR. 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.

Already have an account?

  • 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 at (800) 836-7328 or use our paper Visa Balance Transfer Form to transfer balances from your other loans and credit cards to your Summit Visa.

Promotional APR available on qualified balance transfers posted between September 1, 2019 and March 31, 2020. Minimum of $100 per balance transfer. Promotional APR ends the day after your September 2020 billing cycle begins. For example, if your September 2020 billing cycle begins on September 27, 2020 your promotional APR would end on September 28, 2020. You can view your billing cycle date and your regular APR on your credit card statement. Promotional offer cannot be used to pay off other Summit credit cards. . 

Choose from three different Credit Card options:

Card - Signature


Earn cash back and unlimited points on travel and everyday purchases

  • 2x points for travel
  • 1x points for every purchase
  • 10,000 bonus points when you spend $3,000 in first 90 days

APR 8.00% - 17.25%

Annual Fee: $75

Card - Platinum


Earn 1x points per dollar on every purchase, every day

  • 1x points for every purchase

APR 8.00% - 17.25%

No Annual Fee

Card - Gold


Make your large balances a little more manageable with our lowest rate card

APR 6.50% - 16.25%

No Annual Fee

All cards have:

  • No balance transfer fee
    No balance transfer fee
  • Real Time Purchase Alerts
    Real Time Purchase Alerts
  • Apple Pay
    Apple Pay
  • Design your own card
    Design your own card
  • Fraud Protection
    Fraud Protection

Membership eligibility required. Subject to credit approval. Must be 18 years of age or older to apply.  APRs shown are as of March 19, 2020 and are subject to change at any time. APRs range from 6.50% to 17.75%. 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.

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
    Sign in to your Online Access account
  • Select Credit Cards and then select Visa Access
    Select Credit Cards and then select Visa Access
  • Select Services and then select Design Your Own Card
    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.

VISA Installment Agreement | VISA Rates and Terms | VISA Guide to Benefits | Visa Signature Guide to Benefits