Summit Credit Union Ultimate CashPerks
The Summit Credit Union Ultimate CashPerks from Summit Credit Union earns up to 3% effective value on travel in Madeen's catalog snapshot. It has no annual fee. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Travel
- Effective value
- 3%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Summit Credit Union Ultimate CashPerks earn in each category?
Travel is the strongest category at 3% effective value (3% back). That travel rate ranks higher than about 97% of the 1,546 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Travel is the strongest category at 3% effective value (3% back). That travel rate ranks higher than about 97% of the 1,546 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2% back | 2% |
| Grocery Supermarkets and grocery stores | 1.5% back | 1.5% |
| Gas Gas stations and fuel | 1.5% back | 1.5% |
| Travel Flights, hotels, transit | 3% back | 3% Top category |
| Other General everyday spend | 1.5% back | 1.5% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Summit Credit Union Ultimate CashPerks reward caps and conditions?
The Summit Credit Union Ultimate CashPerks has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 3% cash back on airlines
- 2% cash back on dining
- 2% cash back on hotels
Who should get the Summit Credit Union Ultimate CashPerks?
The Summit Credit Union Ultimate CashPerks fits spenders who put meaningful volume in travel and can earn 3% back. Best for spenders who put meaningful volume in travel and can earn 3% back. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Summit Credit Union Ultimate CashPerks fits spenders who put meaningful volume in travel and can earn 3% back. Madeen ranks its travel effective rate higher than about 97% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in travel and can earn 3% back.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for travel-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is travel at about 3% effective (3% back).
- That travel rate ranks higher than about 97% of cards we track in the category.
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Multiple caps, activations, or exclusions may limit headline earn rates.
Does the Summit Credit Union Ultimate CashPerks have an annual fee, and what's the welcome bonus?
The Summit Credit Union Ultimate CashPerks has an annual fee of $0 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Summit Credit Union Ultimate CashPerks?
The Summit Credit Union Ultimate CashPerks includes Booking.com, Dovly Uplift™, Identity Protection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Booking.comIncluded with Visa Traditional
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Dovly Uplift™Included with Visa Traditional
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
- Identity Protection
NortonLifeLock’s ID Navigator at no cost, so you’re informed of threats to your identity (plus enjoy special discounts on other NortonLifeLock products)
- OpenTableIncluded with Visa Traditional
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
- Roadside Dispatch®Included with Visa Traditional
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
- Sofar SoundsIncluded with Visa Traditional
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
- TSA Credit
Speed through security checks with TSA PreCheck and global entry credits
- Visa Signature Concierge Services
Complimentary Visa Signature Concierge services that let you call a concierge to book your travel, find your tickets or line up dinner reservations.
Common questions about the Summit Credit Union Ultimate CashPerks
Does the Summit Credit Union Ultimate CashPerks have an annual fee?
The Summit Credit Union Ultimate CashPerks carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Summit Credit Union Ultimate CashPerks?
Travel is the strongest Madeen category for the Summit Credit Union Ultimate CashPerks at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Summit Credit Union Ultimate CashPerks charge foreign transaction fees?
The Summit Credit Union Ultimate CashPerks does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Summit Credit Union Ultimate CashPerks?
Madeen's catalog lists a typical credit range of Good for the Summit Credit Union Ultimate CashPerks. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Summit Credit Union Ultimate CashPerks?
Rewards on the Summit Credit Union Ultimate CashPerks post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do I maximize rewards on the Summit Credit Union Ultimate CashPerks?
To maximize the Summit Credit Union Ultimate CashPerks, route travel and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout—no bank login required. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Summit Credit Union Ultimate CashPerks compare to similar cards?
Compare the Summit Credit Union Ultimate CashPerks against Summit Credit Union Summit Global Good Card (2% on Dining, $0 fee); Summit Credit Union Summit Student Rewards (2% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Summit Credit Union Ultimate CashPerks This card | Travel | 3% | $0 |
Summit Credit Union | Dining | 2% | $0 |
Summit Credit Union | Dining | 2% | $0 |
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