Visa PlatinumTHE Summit Credit Union · federal credit union, NY · NCUA 4580
CurrentLast observed Oct 14, 2026Official issuerCredit card · Consumer
Purchase APR
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Balance transfer
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Cash advance APR
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Grace period
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Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | — | no source read | |
| APR for balance transfers | — | no source read | |
| APR for cash advances | — | no source read | |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | $0THE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “$0”THE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | |||
| Cash advance | 2% of the amount, 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.THE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “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.”THE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Balance transfer | — | no source read | |
| Foreign transaction | 1% of the amount, 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.THE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “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.”THE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Penalty fees | |||
| Late payment | — | no source read | |
| Returned payment | — | no source read | |
| 1x pointsNot disclosed | 1 point per $1. See source conditions for eligible purchases.THE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “1x points”THE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards conditions1x points | Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. 1x pointsTHE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “1x points”THE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards source conditions1x points | per dollar on qualified purchasesTHE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “per dollar on qualified purchases”THE SUMMIT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |