Credit union · NCUA insured
Summit Credit Union Credit Card Rates
Summit Credit Union credit cards start at 12.40% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Summit Credit Union’s credit card rates compare
Compared with banks and credit unions near Madison, WI, where Summit Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Summit Credit Union
12.40%APR
- Up to
- 20.90% APR
Visa Platinum
Lowest rate
Wings Credit Union
10.74%APR
- Up to
- 21.74% APR
2nd-lowest rate
Blackhawk Community Credit Union
11.75%APR
- Up to
- 17.75% APR
Summit Credit Union credit card score
71
Credit card score
Higher than 28% of U.S. banks and credit unions
- Purchase APRPurchase APR12.40%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Summit Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Summit Global Good Card
No annual fees. Summit donates 15% of interchange fee with every purchase and makes an extra $10 donation when opened to the Worldwide Foundation for Credit Unions (WFCU). Double points on restaurant and hotel purchases. Redeem points for travel or 1% cash back (minimum 10,000 points to redeem for cash). Balance transfers do not qualify for donation. Cash advance fee $3, foreign transaction fee 1.00%, balance transfer fee 3% or $10 whichever is greater.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% introductory APR for purchases applies for 12 billing cycles from account opening for credit scores 651 and above. Applies to transactions posted during first 12 months. |
| Ongoing | 15.15%–23.65% | None | Standard variable rate for purchases is Prime + 8.4% - 16.9% APR. |
Sources (1)
- summitcreditunion.com/credit-cards · captured Oct 5, 2026
Summit Student Rewards
No annual fees. Receive double points on Amazon and restaurant purchases. Up to 4,000 bonus points each school year with a 3.0 GPA (2,000 in January and June, up to 5 consecutive years). Redeem points for travel or 1% cash back (minimum 10,000 points to redeem for cash). Federal restrictions apply under 21. Cash advance fee $3, foreign transaction fee 1.00%, balance transfer fee 3% or $10 whichever is greater.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% introductory APR for purchases applies for 12 billing cycles from account opening for credit scores 651 and above. Applies to transactions posted during first 12 months. |
| Ongoing | 15.15%–23.65% | None | Standard variable rate for purchases is Prime + 8.4% - 16.9% APR. |
Sources (1)
- summitcreditunion.com/credit-cards · captured Oct 5, 2026
Ultimate CashPerks
No annual fees. 3% cash back on airlines, 2% cash back on hotels and dining, 1.5% cash back on all other purchases. Minimum $25 to redeem for cash. Complimentary Visa Signature Concierge services, TSA PreCheck/Global Entry credit up to $200 per renewal cycle, no foreign transaction fees. Cash advance fee $3, balance transfer fee 3% or $10 whichever is greater.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% introductory APR for purchases applies for 12 billing cycles from account opening for credit scores 651 and above. Applies to transactions posted during first 12 months. |
| Ongoing | 14.65%–17.15% | None | Standard variable rate for purchases is Prime + 7.9% - 10.4% APR. |
Sources (1)
- summitcreditunion.com/credit-cards · captured Oct 5, 2026
Visa Platinum
No annual fees. Non-variable rate credit card. Cash advance fee $3, foreign transaction fee 1.00%, balance transfer fee 3% or $10 whichever is greater.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% introductory APR for purchases applies for 12 billing cycles from account opening for credit scores 651 and above. Applies to transactions posted during first 12 months. |
| Ongoing | 12.40%–20.90% | None | Standard non-variable APR for purchases. |
Sources (1)
- summitcreditunion.com/credit-cards · captured Oct 5, 2026
Visa Platinum Rewards
No annual fees. Collect rewards points with every purchase; double points on gas and wholesale club purchases. Redeem points for travel or 1% cash back (minimum 10,000 points to redeem for cash). Cash advance fee $3, foreign transaction fee 1.00%, balance transfer fee 3% or $10 whichever is greater.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% introductory APR for purchases applies for 12 billing cycles from account opening for credit scores 651 and above. Applies to transactions posted during first 12 months. |
| Ongoing | 15.15%–23.65% | None | Standard variable rate for purchases is Prime + 8.4% - 16.9% APR. |
Sources (1)
- summitcreditunion.com/credit-cards · captured Oct 5, 2026
Who can join Summit Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.