The Summit Federal Credit Union Visa Platinum with Rewards is a credit card for Summit FCU members with the best credit. The credit union offers two types of Platinum credit cards: one with and one without rewards. The interest rate is lower on the credit card without rewards.
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Summit Federal Credit Union, or SFCU, is headquartered in Madison, Wisconsin, with branches in Milwaukee and in a few more surrounding areas. SFCU also has an extensive website, allowing members to do most banking online. SFCU even offers apps for mobile devices.
SFCU Visa Platinum with Rewards Details
The SFCU Visa Platinum comes with two options. You can choose the card without rewards and receive a lower interest rate. The APR on this card can be as low as 9.9%. This fixed rate will vary individually, as the credit union determines the rate based on an applicant’s credit history, total debt, and income.
If you choose the Visa Platinum Rewards card, the lowest interest rate possible is 11.9%. In exchange, you’ll receive a reward point for each dollar you spend on the card as part of the ScoreCard Rewards program. These points can later be redeemed for your choice of items: cash back, airfare, gift cards, or certain items like electronics.
If you’re wondering what the best use for your rewards points is, or have other questions on rewards card usage, you can read articles here or visit Forbes.com for helpful information.
SFCU Visa Platinum Benefits
Whether you choose the rewards program or not, the SFCU Visa Platinum offers an introductory credit card APR of 6.9% for 12 months on balance transfers.
Since there’s no balance transfer fee, you can roll high-interest rate balances to this card to help reduce credit card debt.
There’s also no annual fee, cash advance fee, or penalty rate.
Since it is a Visa card, you’ll be eligible for all the benefits Visa offers, like the Zero Liability promise and participation in the Verified by Visa program.
You’ll also have access to your information around the clock online. You can access it either on the SFCU online branch website or directly with the eZCARD online website. Either way, you can set up payments, check balances, and set up alerts.
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