Visa® Balance Transfer

Image: Decorative graphic for Visa® Balance Transfer

3.95% APR on Balance Transfers until your September 2019 billing cycle

Enjoy a great low rate & no balance transfer fee.

Let's Connect

We'd love to help you start the Visa Balance Transfer Process.

Already a Member?

  • 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.


Membership eligibility required. Subject to credit approval. Must be 18 years of age or older to apply. 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 8.50% to 18.0%. Your APR will depend on your creditworthiness and will vary with the market based on the Prime Rate. APRs shown are as of October 15, 2018 and are subject to change at any time. Promotional APR available on qualified balance transfers posted between October 15, 2018 and March 31, 2019. Minimum of $100 per balance transfer. Promotional APR ends the day after your September 2019 billing cycle begins. For example, if your September 2019 billing cycle begins on September 27, 2019 your promotional APR would end on September 28, 2019. 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. Limited to members in good standing. $75 Annual Fee applies to Visa Signature Credit Card.