The Summit Visa Signature® Credit Card
For people who like to travel, dine out, earn cash back, and maximize rewards with everyday purchases.
APR 12.25%-18.00% | Annual Fee: $75 | Balance Transfer Fee: $01
Reward your appetite for travel
with features and benefits to fit your lifestyle. During our promotion enjoy…
per dollar on all purchases2
Plus 10,000 bonus points
when you spend $3,000 in the first 90 days4
Exclusive bonus points and offers with CU Rewards®.
Features and Benefits
POINTS
Earn Points
Spend a dollar, earn a point. There’s no limit to the number of points you can earn each year.
Get 10,000 Extra Points
New cardholders get an extra 10,000 points just by spending $3,000 in the first 90 days of opening the new card. Those points can be redeemed for $100 cash back!
Triple Travel Points
Continue to earn bonus points for every dollar spent on travel purchases. Hotels and flights are included, as well as amusement parks, campsites, wineries, tolls, car rentals and even ride-sharing services!
Bonus Offers
Log into CURewards daily to check out your exclusive bonus offers which can earn you additional points per dollar to maximize your rewards.
BENEFITS
Extended
Warranty
Protection
Extended Warranty
Protection provides you with features that help you manage, use and extend the warranties for eligible items.
Register a product
Travel Assistance Services
With checked and carry-on baggage and baggage delay assistance, you have insurance coverage up to $2,000.
Plus, Travel and Emergency
Assistance Services provides reimbursement up to $2,000 for trip cancellation or
interruption.
Auto Rental
Collision Damage
Waiver
Auto rental insurance will automatically cover vehicle damage or theft up to the full value of most vehicles when you rent a car with your Visa Signature Credit Card.
Visa Account
Updater
Visa will automatically
update your card information with participating merchants that are set up for recurring charges when your card is replaced.
Digital Wallets
A simple, more secure way to pay using your Summit Visa Credit Card.
View the Visa Signature Guide to Benefits to learn more!
Enjoy complimentary booking assistance and more with your 24/7 Visa Signature® Concierge5
Free up your time and get the most from your Summit Visa Signature Credit Card benefits with the complimentary Concierge Service. You have access to an entire team of experts to help with your travel, entertainment, and dining needs.
Whether you want to surprise someone with a night out or find a great restaurant in your neighborhood, your Concierge Service can help. Just give them a call.
Get help with your travel plans
Traveling for business or pleasure? Count on your Concierge Service to help with travel planning.
They can provide recommendations on the finest hotels, resorts, and cruises as well as help coordinate your airfare, arrange tours and transportation, and reserve tables at top restaurants.
Enjoy the things you love
Don’t worry about making dinner reservations, arranging travel or buying a gift — your Concierge Service can do it for you.
They can also help you purchase sports and performance tickets, find a gift for that special occasion or even help book those hard-to-get reservations.
Call anytime
Your Concierge Service is waiting for your request.
Put the number below into your phone so you can easily reach them wherever you are.
U.S.: (800) 953-7395
Outside the U.S. (630) 350-4551
Visit visasignatureconcierge.com
Protection You Expect from The Summit
ID Navigator
Powered by NortonLifeLock, receive Identity Theft Monitoring service and protection up to $10,000, offering Dark Web Monitoring, Data Breach Notifications, Stolen Wallet Assist, Privacy Monitor, and more.
Confirm Eligibility
Turn Your Card On/Off
Add an extra layer of protection and prevent unauthorized transactions.
Zero Liability
Guard against fraud with liability protection on purchases made with your Summit Visa Signature Credit Card.
How Will You Redeem Your Rewards Points?
STATEMENT CREDIT AND CASH BACK3
Exclusive for Visa Signature cardholders. For 2,500 points, you can redeem $25 to be deposited into your Summit account or put it toward your payment with our statement credit option.
GIFT CARDS
Find the perfect gift card for that special occasion or birthday. Cards are redeemable in $25 increments. CURewards offers gift cards from clothing retailers, restaurants, home improvement stores, gas stations, and more.
MERCHANDISE
Bring family game night to life and find essentials for school or work when you redeem your rewards for merchandise. Browse categories like electronics, recreation, housewares, entertainment, and more!
TRAVEL
Save money on flights, car rentals, and hotel stays for your next vacation by using your reward points. Log into CURewards to search deals from Cancun to Orlando and beyond. Select from a variety of gift card options for flights and cruises.
See How the Signature Card Compares to Our Other Credit Cards
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Signature Card
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Platinum Card
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Gold Card
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Secured Card
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APR
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12.25%-18.00%
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12.25%-18.00%
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10.75%-18.00%
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14.45%6
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Special Offer
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10,000 Points4
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Earn Points
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Earn 3 points per dollar on all purchases3
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Earn 2 points per dollar on all purchases3
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Redemption Options
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Cash back3
Statement credit
Gift cards
Merchandise
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Gift cards
Merchandise
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Complimentary
Concierge Service
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Yes5
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Travel Baggage Benefits
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Insurance coverage up to $2,000
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Trip cancellation or interruption reimbursement
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Up to $2,000
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NortonLifeLock Identity Theft Monitoring
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Service and protection up to $10,000
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Basic service
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Basic service
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Basic service
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Annual Fee
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$75
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$0
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$0
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$0
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High balances? Not for long.
Transfer balances to your Summit credit card and save.
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.
Current Cardholders: Complete your transfer in minutes in your Online Access.
Non-Cardholders: Apply Now
Pay a lower rate
The national average APR is 20.42%.7 Enjoy rates as low as 10.75% when you transfer your balances to one of our cards.
No balance transfer fee
The national average balance transfer fee is 3-5%.7 With no balance transfer fee on our Summit Visa Card, the savings go right into your pocket.
Consolidate payments
Simplify your payments by transferring multiple balances into one easy monthly payment.
Do more with Mobile Banking
Stay connected with these great features:
- Make Payments
- View Transactions & Account Details
- Dispute a Transaction
- Set Alerts & Card Controls
- Report a Lost or Stolen Card
- Set Travel Notifications
- Turn Card On or Off
Learn more
Download Today!
VISA Installment Agreement | VISA Rates and Terms | VISA Guide to Benefits | Visa Signature Guide to Benefits
Membership eligibility required. Subject to credit approval. Must be 18 years of age or older to apply. Your APR will depend on your creditworthiness and will vary with the market based on the Prime Rate. APRs shown are as of December 20, 2024 and are subject to change at any time. Limited to members in good standing.
- 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.
- Double points are awarded based on purchases processed in the travel merchant category. It does not include restaurant purchases. Merchant Category Codes are determined by the individual merchant.
- Cash back and rewards 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. Cash back is redeemable in $25 increments deposited into your Summit account, or as a payment to your credit card.
- Visa Signature accounts approved and issued will receive 10,000 bonus points statement credit upon spending $3,000 in purchase transactions within 90 days of account opening. Cash advances, credit card checks, and balance transfers do not qualify as purchase transactions. Each Signature Card account is eligible for 1 statement credit of 10,000 bonus points. Please allow 4 weeks to receive the statement credit.
- Summit Visa Signature cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders’ behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service at Visa Concierge Terms of Service | Visa.
- For The Summit Federal Credit Union’s Visa® Secured Credit Card, the minimum line is $300 and the maximum line amount is $2,500. As of 10/01/24 the APR is a fixed rate of 14.45% APR and is subject to change at any time. Please see our Visa Rates & Terms for complete details on the terms and conditions of your Visa Secured Credit Card Account. All amounts on deposit in the Secured Account shall earn interest at a rate as a share account indicated in The Summit Federal Credit Union’s Rate and Fee Schedule.
- Savings based on national average for variable rate credit cards per Bankrate as of November 20, 2024 and national average balance transfer rate as of November 20, 2024.
*Introductory APR of 6.45% ends 180 days after the date of account opening on purchases and for all credit card accounts excluding Visa®️ Secured opened 11/1/24 through 12/31/24. Purchases made during the 180 days after account opening will qualify for an interest rate of 6.45% until the 180 day introductory period is up. After that, your regular APR will be applied to any unpaid purchases and balances posted during the introductory period. For example, if your credit card account is opened on 11/2/24, the 6.45% introductory rate will be valid on purchases through 5/1/25. You can view your billing cycle date and regular APR on your credit card statement. 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. A $75 Annual Fee applies to Visa Signature®️ Credit Card. As of 11/1/24, APRs range from 10.75% to 18.00% and are subject to change. Your APR will depend on your creditworthiness and will vary with the market based on the Prime Rate. Limited to members in good standing.
**11/1/24 through 12/31/24, Visa Signature®️ Credit Cards are eligible for 3X points and Visa®️ Platinum Cards are eligible for 2X points. Bonus points are awarded based on all purchases posted to account by 12/31/24. Points rewarded 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.
