The Summit Card — A $1,000 credit line, approved instantly
99% approved instantly

Get your $1,000 credit line, approved in 60 seconds.

99% approved instantly. No deposit. No annual fee. Start building your credit today, join 50,000+ approved cardholders.

Instant 60-second decision Won't affect your credit $0 annual fee

Your details

Secure
No impact to your credit score · 50,000+ approved
50,000+cardholders approved
99%instant approval rate
60 secaverage application
$0annual fee
4.8 / 5average rating
How it works

From application to approval in three steps

1

Apply in 60 seconds

Enter your name, email, and phone. No paperwork, no waiting on hold, and no hard inquiry just to see if you qualify.

2

Get an instant decision

Your application is reviewed on the spot. 99% of applicants receive an instant approval decision.

3

Start building credit

Activate your $1,000 line and begin using it right away, with activity reported to all three major bureaus.

Why Summit

A card that works the way it should

Build your credit

On-time activity is reported to all three major bureaus every month, so responsible use can help you move forward.

No annual fee

Keep your card year after year at zero annual cost, with no hidden charges in the fine print.

Instant approval

A decision in seconds, not days. No long forms and no waiting by the phone for a callback.

Bank-level security

Protected with 256-bit encryption. Your information is never sold to third parties.

Your $1,000 credit line is one step away

Check your eligibility in 60 seconds. It won't affect your credit score.

Questions

Everything you need to know

Will applying affect my credit score?
Checking whether you qualify does not affect your credit score. You can see your eligibility before any hard inquiry.
How fast will I get a decision?
Most applicants receive an instant decision within 60 seconds of submitting their information.
Is there an annual fee?
No. The Summit Card has a $0 annual fee with no hidden charges.
Does Summit help me build credit?
Yes. We report your account activity to all three major credit bureaus each month, so responsible use can help build your credit over time.
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