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Visa Rewards

Summit Credit Union

One State/TerritoryFixed rateNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
9.95–17.95%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
13.95%
≤619
15.45%
620–719
11.95%
720+
9.95%
Lowest offered9.95%
Median11.95%
Highest offered17.95%

Cash advance APR

No score
13.95%
≤619
15.45%
620–719
11.95%
720+
9.95%
Lowest offered9.95%
Median—
Highest offered17.95%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$30
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$25
Card Replacement Fee$10
Document Fee$3

Rewards, benefits and features

Rewards
  • Travel-related rewards
  • Other rewards
Services
  • Automobile rental insurance
  • Other
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Reward points redeemable for merchandise, travel, etc.

Who can get this card

AvailabilityOne State/Territory
StatesNC
Membership requirementsYes
RequirementOther. Please Describe:
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 11.95%$358.50
Annual / periodic fees$0
Total yearly cost$358.50

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

44 documents filed by Summit Credit Union in the 2026 Q1 archive.

All 44 agreements

More from this issuer