Based in western New York State, Summit Federal Credit Union offers its customers three distinct credit cards, all with their own unique features and benefits. As a full-service credit union, Summit can handle all of your banking needs. Its Visa Classic credit card is the perfect card for someone looking to save money with no annual fee, while having a high credit limit and the ability to make purchases all over the world.
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In addition to the Summit FCU Visa Classic, you can also apply for the Summit Gold and Summit Platinum credit card. Both of these cards offer lower annual percentage rates than the Visa Classic. However, these cards are designed for individuals with excellent credit and a high credit score.
Interest Rates and Fees with the Summit FCU Visa Classic
While the annual percentage rate for the Visa Classic from Summit FCU is the highest of the three offered by the credit union, it is still a fairly low rate of 10.75%. In addition, since there is no annual fee for the card, you can save money on all interest charges by paying the balance off in its entirety each month.
You have 25 days to pay off your entire balance, otherwise you will be charged interest based on the average daily balance on your account.
There is no fee to transfer a credit card balance, so if you have a card with a higher interest rate and high balance, you can move that total amount onto your Visa Classic card for no charge. There is, however, a $25 fee if you are late with a payment or if you have a payment returned due to insufficient funds.
The Better Business Bureau is an excellent resource if you are looking to apply for a credit card. Learn tips and tricks to save money by visiting the website and reading assorted articles.
Summit Federal Credit Union Visa Classic Benefits
In addition to being accepted all over the world wherever you see the Visa logo, the Summit Visa Classic card offers free car rental insurance if you use your card to rent a vehicle.
You can also link your credit card to your Summit checking or savings account to set up automatic credit card payments.
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