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Convenient purchasing power with rewards, security, and flexible payment options.
Purchase what you need or want anytime in stores or online with our low APR* and no annual fees Visa® Credit Cards. Enjoy the freedom of flexible funding that’s there for you whenever you need it. Apply today and start shopping with ease.
Finding a low rate credit card can be tricky, but our Visa® Infinity credit card takes out the guesswork.**
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We want to help you get more for your money! DreamPoints Rewards cardholders earn reward points on all purchases.**
Redeem your points in Online Banking or the Summit Choice Mobile App.
Turn everyday purchases into something special.
With DreamPoints, your credit card rewards can go further—whether you're dreaming of travel, cash back, or gift cards.
Explore Rewards Redeem Points
*Special purchase interest rate of 0.00% APR is applied for 12 months from posting date of the transaction. APR = Annual Percentage Rate. Promotional APR will last through 12 statements and then revert to the regular variable purchase APR with the thirteenth monthly statement. You have 25 days after the close of each statement period to pay your balance in full without being charged interest.
**Rate Based on creditworthiness. APR = Annual Percentage Rate. Rate valid as of April 1, 2026. Rates subject to change without notice.
Visa Credit Card Agreement
Redeem reward points in online banking or the SUMMIT CHOICE Mobile App
Earn 1.5 points per dollar spent on purchases; returns will be deducted from the bonus point calculation. There is no limit to the amount of points you can earn. If your account is closed, voluntarily or involuntarily, past due or over limit, you will forfeit all points. Your points will expire after three (3) years, with the oldest points expiring monthly.
We use a method called “average daily balance (including current transactions).” See your account agreement under Finance Charge for more details.
Minimum monthly payment is 3% of your total new balance or the over limit amount, whichever is greater, but not less than $25 plus the amount of any unpaid prior payments due.
Payments of $10,000 or greater may not be part of your available credit for three (3) business days.
Your payment is due the 28th of every month.
Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Earn 1.5 points per dollar spent on purchases; returns will be deducted from the bonus point calculation.
There is no limit to the amount of points you can earn.
If your account is closed, voluntarily or involuntarily, past due or over limit, you will forfeit all points.
Your points will expire after three (3) years, with the oldest points expiring monthly.
Rate based on creditworthiness. APR = Annual Percentage Rate. Rates valid as of April 1, 2026. Rates subject to change without notice.
Special purchase interest rate of 0.00% APR is applied for 12 months from posting date of the transaction. APR = Annual Percentage Rate. Promotional APR will last through twelve statements and then revert to the regular variable purchase APR with the thirteenth monthly statement.
You have 25 days after the close of each statement period to pay your balance in full without being charged interest.
Travel, trip cancellation, and roadside benefits: 1-800-992-6029
If you are outside of the United States, call collect at: 1-804-673-1675
*APR = Annual Percentage Rate. Calculations are estimates only and do not constitute a quote or offer of credit. Rates may vary and may not reflect all current promotions. Please contact us for complete details.
*APY = Annual Percentage Yield. Calculations are estimates only and do not constitute a quote or offer of credit. Rates may vary and may not reflect all current promotions. Please contact us for complete details.