Ultimate CashPerks — Summit Credit Union is a personal credit card from Summit Credit Union. Application typically pulls a hard report from Equifax. The annual fee is No annual fees. The ongoing APR is Prime + 7.9% to 10.4% variable (after 0% intro APR on purchases and balance transfers for 12 billing cycles, credit scores 651 and above) after a 0% intro rate for 12 months introductory rate for 12 months. Rewards: 3% cash back on airlines, 2% cash back on hotels and dining, 1.5% cash back on all other purchases.