Credit Cards
Two percent back on everything
One flat rate on every purchase, every day. Nothing to activate, nothing to track, and no annual fee.
The whole offer in three lines
We built this one for members who would rather not think about a rewards program at all.
Flat 2% cash back
Groceries, gas, insurance premiums, the dentist. Every eligible purchase earns two cents on the dollar with no ceiling.
No categories to track
There is no rotating calendar to enroll in each quarter and no bonus category that quietly changes in January.
Cash back posts monthly
Your earnings land at statement close and can go straight to a Summit checking or savings account, or knock down the balance.
Why flat rate wins
The rate you read is the rate you get
Tiered cards look generous on the front of the brochure, but most households spend across a dozen categories in a month. A single rate applied to all of it usually beats a high rate applied to a slice of it, and it takes no effort at all.
Rates and terms
Everything that carries a number, in one place.
Rates current as of July 2026 and subject to change. Membership eligibility required. This is a demonstration website; rates, products, and figures shown are illustrative only.
Common questions
When exactly does my cash back show up?
Earnings accumulate during the cycle and post to your rewards balance when the statement closes, usually within a day. From there you can move them any time.
Is there a limit on how much I can earn?
No. The 2% rate applies to every eligible purchase for the life of the account, with no annual cap and no step-down after a threshold.
What does not earn cash back?
Cash advances, balance transfers, convenience checks, interest, fees, and anything you return. A refunded purchase has its cash back reversed at the same rate it was earned.
Can I have this card and the Platinum Rewards Visa?
Yes, and plenty of members do. They put gas and groceries on Platinum Rewards and everything else on this card, which is a reasonable way to run two accounts without much thought.
Do I have to redeem into a Summit account?
No. A statement credit, a deposit to Summit checking or savings, travel, and gift cards are all available. Deposits to a Summit account settle the same business day.
Will applying hurt my credit score?
You can check your likely terms with a soft inquiry that leaves no mark. Only if you accept the offer do we run a hard inquiry, which typically costs a few points for several months.
Simple beats clever most months
Apply in about ten minutes and start earning 2% on the next thing you buy.