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Credit Cards

From helping out your community to traveling with perks, we have the credit card built for your financial life. Discover options that let you earn extra rewards points and cash back – all with a great, low rate!

A Summit Credit Card Pays Off Big Time

Your credit card can be a great way to set up smart financial habits and build credit toward big financial goals, like buying a home or new vehicle. Not to mention, with a Summit Credit Card, you also get:

  • No annual fees¹, so you can use your card as much as you want and never be charged extra
  • Options for cash back and perks that reward you for purchases you’re already making – Win-win!
  • Mobile wallet that lets you pay easily from your phone
  • Transaction alerts so you always know where your money is going
  • Added security on any purchase
  • Tap to Pay so you can simply tap, dip, wave or swipe your card at checkout

Find the Card with Everything You Want

Ultimate Cash Perks

Ultimate CashPerks

You can’t go wrong when you get the card that gets you the most in return, like extra discounts and our highest cash back percentage on purchases – including travel expenses! Plus, enjoy complimentary Visa Signature Concierge services with one of Newsweek’s Best Credit Cards of 2021.

Key Features & Benefits

  • 3% cash back² on airlines10
  • 2% cash back² on hotels and dining10
  • 1.5% cash back on all other purchases²
  • Save with no annual fees

Also Includes

  • Contactless payments with Tap To Pay
  • The ability to sync with Mobile Wallet so you can pay easily with your phone
  • Discounts from your favorite stores
  • Extra Travel Perks so you can treat yourself
  • Complimentary Visa Signature Concierge services that let you call a concierge to book your travel, find your tickets or line up dinner reservations. Plus, speed through security checks with TSA PreCheck and global entry credits,12 and no foreign transaction fees.
  • NortonLifeLock’s ID Navigator at no cost, so you’re informed of threats to your identity (plus enjoy special discounts on other NortonLifeLock products)

Purchase/Balance Transfer APR

0% intro rate for 12 months,4 16.15%-18.65% Varies with Prime rate3 after that

Cash Advance APR

16.15%-18.65% Varies with Prime rate3

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Newsweek Best Credit Union Credit Card
Platinum Awards

Visa Platinum Rewards

Get the simplicity of our Visa Platinum card but with even more perks. Reward your everyday purchases on gas and wholesale club purchases10 with double points to put toward trips, cash back and more.

Key Features & Benefits

  • Collect rewards points with every purchase
  • Get double points on gas and wholesale club purchases10
  • Save with no annual fees

Also Includes

  • Contactless payments with Tap To Pay  
  • The ability to sync with mobile wallet so you can pay easily from your phone  
  • Rewards points for airline tickets, once-in-a-lifetime vacations or 1% cash back5
  • Our Summit Rewards catalog, which lets you trade in for brand name merchandise, meals at your favorite restaurants and lots of other great options

Purchase/Balance Transfer APR

0% intro rate for 12 months,4 16.65%-25.15% varies with Prime rate after that6

Cash Advance APR

16.65%-25.15% varies with Prime rate6

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Awards

Visa Platinum

If you’re looking for a simple way to build credit while getting our lowest rate, this credit card is an easy “yes!”

Key Features & Benefits

  • Get our lowest rates
  • Save with no annual fees

Also Includes

  • Contactless payments with Tap to Pay
  • The ability to sync with mobile wallet so you can pay easily with your phone

Purchase/Balance Transfer APR

0% intro rate for 12 months,4 9.4%-17.9% after that7

Cash Advance APR

9.4%-17.9%7

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Student Rewards

Summit Student Rewards Card

Build credit on your favorite purchases – like Amazon and dining out – with our Student Rewards Card! Plus, you’ll get this perk and more as part of our GO Bundle.

Key Features & Benefits

  • Enjoy Good Grade Bonuses
  • Receive double points on Amazon9 and restaurant purchases10
  • Save with no annual fees

Also Includes

  • Contactless payments with Tap To Pay 
  • The ability to sync with mobile wallet so you can pay easily from your phone 
  • Up to 4,000 bonus points each year that you can earn with a 3.0 GPA,8 plus double rewards points whenever you shop on Amazon or dine out!
  • Summit Rewards that you can redeem for cash back, travel and everything else in our Summit Rewards catalog
  • Save with no annual fees

Purchase/Balance Transfer APR

0% intro rate for 12 months4, 16.65%-25.15% varies with Prime rate after that6

Cash Advance APR

16.65%-25.15% varies with Prime rate6

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Global Good

Summit Global Good Card®

Know you’re spending for good with the Summit Global Good Card. Every time you make a purchase, Summit will donate to the World Council of Credit Unions (WOCCU) at no charge to you. That means helping people around the world access safe, affordable financial services. We’ve already given $197,908.62 back so far!

Key Features & Benefits

  • Summit donates with every purchase11 and makes an extra $10 donation when you open your card
  • Earn double points on restaurant and hotel purchases10
  • Save with no annual fees

Also Includes

  • Contactless payments with Tap To Pay 
  • The ability to sync with mobile wallet so you can pay easily from your phone 
  • Rewards points that you can redeem for travel, cash back and more

Purchase/Balance Transfer APR

0% intro rate for 12 months,4 16.65%-25.15% varies with Prime rate after that6

Cash Advance APR

16.65%-25.15% varies with Prime rate6

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Let’s Find the Right Credit Card for You and Your Money

Discover your perfect combination of features and perks!

Ultimate Cash Perks
Ultimate CashPerks
Platinum Awards
Visa Platinum Rewards
Awards
Visa Platinum
Student Rewards
Summit Student Rewards Card
Global Good
Summit Global Good Card®
  • Cash Back Rewards
    Up to 3%2
    1%5
    1%5
    1%5
  • Rewards Program
    Visa Signature Rewards
    Summit Rewards
    Summit Rewards
    Summit Rewards with
    Donation Option
  • Purchase/Balance Transfer APR
    0% intro rate for 12 months,4 16.15%-18.65% Varies with Prime rate3 after that
    0% intro rate for 12 months,4 16.65%-25.15% varies with Prime rate after that6
    0% intro rate for 12 months,4 9.4%-17.9% after that7
    0% intro rate for 12 months4, 16.65%-25.15% varies with Prime rate after that6
    0% intro rate for 12 months,4 16.65%-25.15% varies with Prime rate after that6
  • Cash Advance APR
    16.15%-18.65% Varies with Prime rate3
    16.65%-25.15% varies with Prime rate6
    9.4%-17.9%7
    16.65%-25.15% varies with Prime rate6
    16.65%-25.15% varies with Prime rate6

Looking for a Credit Line Increase?

Current members can apply online.

Request Increase

Opening Your Credit Card is Just the Beginning

Whatever goal you’re trying to achieve, from building your credit to paying for your next trip with great perks, our team will connect you with the tools that will work best for your lifestyle – and even help make plans for what’s next.

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Personal Line Of Credit
Manage Changes to Your Income

Get access to flexible funds you can draw as needed. Plus, get a great, low rate that’s better than most credit cards!

Personal Loan
Easily Cover Unexpected Costs

With low, fixed rates and short terms, a personal loan may be a great way to tackle financial obstacles.

Checking Account
Set Yourself Up With the Right Account

Your Checking Account helps you confidently manage day-to-day spending – and it’s especially easy with all our mobile banking tools!