The Summit is a personal credit card from Summit. Application typically pulls a hard report from Experian. The annual fee is No Annual Fee. Signup bonus: 30,000 points when you spend $3,000 on your Summit credit card in the first 90 days*.. Rewards: 30,000 points. Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus..