Credit Cards

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 Double Travel Points
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Reward Points and No Annual Fee
A Great Rate and No Annual Fee
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
Annual Percentage Rate for Purchases
9.50% - 18.00%
9.50% - 18.00%
8.00% - 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™:

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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 December 2017 and are subject to change at any time.

Image: Decorative graphic for Credit Cards

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.