Credit Cards
Five times the points at the pump
Earn 5X points on gas and EV charging, 3X at the grocery store, and 1X on everything else. No annual fee, and no quarterly categories to activate.
Where your points come from
Every purchase earns something. The two categories members spend on most earn the most.
5X on gas and EV charging
Fuel pumps and public charging networks both earn the same top rate, so the card keeps up if you switch to electric.
3X at the grocery store
Supermarkets and neighborhood grocers earn triple points on every trip, all year, with nothing to enroll in.
1X everywhere else
Utilities, streaming, the vet, the hardware store. If the card is accepted, the purchase earns points.
No annual fee
Not waived for the first year and not tied to a spending threshold. Summit is member-owned, so the rewards budget goes to members.
Rates and terms
Your rate is set at approval based on credit history and does not change with your balance.
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.
From application to first redemption
Most members are approved the same day and carrying the card within a week.
Apply in about ten minutes
You will need your income, your housing cost, and your Social Security number. A soft check tells you where you stand before you commit.
Activate and start earning
Your card arrives in five to seven business days. Add it to a digital wallet and it earns the same rates as the physical card.
Points post at statement close
Every eligible purchase earns during the cycle, and the full month of points lands in your balance when the statement cuts.
Redeem whenever you like
Take a statement credit, deposit cash to a Summit account, book travel, or pick a gift card. There is no minimum to redeem.
Common questions
What actually counts as gas or EV charging?
Any merchant Visa codes as a service station or an electric vehicle charging network, which covers the large chains and most independent stations. Fuel bought inside a warehouse club or a supermarket often codes as that store instead, so it earns that category rate.
Is there a cap on the 5X rate?
Yes. Combined gas and EV charging earns 5X on the first $7,500 each calendar year, then 1X. Groceries at 3X and everything else at 1X are uncapped.
Do my points expire?
No. Points stay in your account as long as it is open and in good standing, so you can save toward something larger without watching a clock.
How is my APR decided?
We set it once at approval, based on your credit history and the rest of your relationship with Summit. It is variable, so it moves with the Prime Rate, but it does not move because of how you use the card.
Can I add someone else to the account?
You can add authorized users at no charge, and their spending earns points into your balance. You remain responsible for the balance, so add people you would lend money to.
Should I pick this card or Cash Rewards?
If you fill a tank most weeks and buy groceries for a household, Platinum Rewards usually earns more. If your spending is spread evenly across categories, the flat 2% on Cash Rewards is simpler and often larger.
Put your everyday spending to work
Apply online in about ten minutes, or sit down with a member advisor at any of our 42 branches.