Credit Cards
Built for the way you travel
Triple points on travel and dining, no foreign transaction fees anywhere in the world, and coverage that steps in when a trip goes sideways.
What you get on the road
The three things that matter most when you are a long way from home.
3X on travel and dining
Airfare, hotels, rental cars, trains, rideshare, restaurants, and takeout all earn triple points, with no annual cap.
No foreign transaction fees
Most cards add 3% to every purchase made abroad. This one adds nothing, so a $200 dinner in Lisbon costs $200.
Trip and rental coverage
Trip cancellation reimbursement and secondary rental car damage coverage are included when you pay with the card.
Coverage that actually pays
When the flight is cancelled at 6 a.m.
Travel benefits are only worth anything if a person answers the phone. Pay for the trip with this card and you are covered by a benefits administrator reachable around the clock, with claims filed online and paid by direct deposit.
Rates and terms
Travel benefits are included in the card, not sold as an add-on.
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
What counts as travel?
Airlines, hotels, motels, campgrounds, rental cars, trains, buses, taxis, rideshare, cruise lines, tolls, and parking. Booking through an online travel agency counts as travel too.
Does secondary rental coverage mean I still need my own insurance?
In the United States it pays after your personal auto policy, covering your deductible and what your insurer will not. Abroad, where you often have no other coverage, it usually acts as primary.
Do I need to tell you before I travel?
A travel notice is not strictly required, but it is a good idea. It takes about a minute in the app and cuts down on declined purchases in unfamiliar places.
What exchange rate do I get abroad?
The Visa network rate on the day the purchase settles, with nothing added by Summit. If a terminal offers to charge you in dollars instead, decline it and pay in local currency.
How do I file a trip cancellation claim?
Call the benefits administrator on the back of your card or file online within 20 days of the cancellation. Keep the itinerary, the cancellation notice, and any receipts for the costs you could not recover.
Can I transfer points to an airline program?
Not directly. You can book flights and hotels through the Summit travel portal at one cent per point, or take the value as a statement credit and book wherever you like.
Take it with you
Apply before your next trip and add the card to your phone the day it is approved.