DreamPoints Account Fees

Item	Fee
Purchase Intro APR*	0% for 12 months
Balance Transfer Intro APR	Same as Standard Purchase APR
Standard Purchase APR**	14.65% to 18%
Cash Advance APR	Same as Standard Purchase APR
Annual Fee	$0
Minimum Interest Charge	$0
Balance Transfer Fee	$10 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	$0
Foreign Transaction Fee	1% of each transaction in U.S. dollars
Purchase Transaction Fee	$0
Late Payment Fee	Up to $25.00
Returned Payment Fee	Up to $30.00
Statement Copy Fee	$6.00
Document Copy Fee	$25.00
Rush Fee	$30.00
Card Replacement Fee	$10.00
Pay-by-Phone Fee	$0

Redeem reward points in online banking or the SUMMIT CHOICE Mobile App

DreamPoints Rewards Details

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.

Disclosures

*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