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Online Banking & Bill Pay

Credit Cards

STOP LOSING HUNDREDS TO UNNECCESARY DEBT

By Switching To A Low Interest Credit Card From On Tap


I'M READY TO APPLY

I WANT TO SPEAK WITH AN EXPERT FIRST



Two Unique Card Types - Always Low, Fixed Rates
SUMMIT VISA®
Our classic VISA card with
the lowest fixed-rate.
REWARDS VISA®
Earn reward points for
every dollar you spend.





Discover The Benefits


on purchases for the first 12 months


on balance transfers for the first 12 months


no annual
fees

no balance transfer fees

no cash advance fees

low fixed
rates

fraud protection

rewards! done your way*

*Reward card option only.


ADDITIONAL SECURITY INFO AND OPTIONS

Click An Option Below To Learn More

Enhanced Security
Loan Protection
Extras




GET MORE BACK WITH REWARDS! FROM ON TAP
With Rewards! you get to pick the rewards that fit your lifestyle.
 

Earn One Point For Every Purchase Dollar You Spend Using Your Card

Select How You Want To Redeem Points Online Or Via Mobile Device

Enjoy Cash Back Or Save On Travel, Gift Cards, Merchandise, And More

CLAIM YOUR REWARDS TODAY
ENROLL FOR REWARDS!


 

PAY THE CONVENIENT WAY WITH DIGITAL WALLETS

Looking for a faster, more convenient way to pay? Check out these digital wallet options and access your cards with the tap of your phone.

GET YOUR DIGITAL WALLET SET UP



CRAFT THE CARD THAT'S RIGHT FOR YOU IN 4 EASY STEPS
 


 

STEP 1: COMPARE YOUR OPTIONS



On Tap
Summit 
Rewards
FirstBank Chase
PURCHASE APR
STARTS AT
10.90% 
13.90% 
15.15% 14.99%
BALANCE TRANSFER
APR STARTS AT
10.90% 
13.90%
18.15% 14.99%
CASH ADVANCE APR
STARTS AT
10.90% 
13.90%
18.15% 24.99%
RATE TYPE
Fixed
Fixed
Variable Variable
ANNUAL FEE
$0
$0
$0 $0
BALANCE TRANSFER FEE
$0
$0
$2 or 2.5% Of Each Transfer (Whichever Is Higher) $5 or 5% Of Each Transfer (Whichever Is Higher)
CASH ADVANCE FEE
$0
$0
$2 or 2.5% Of Each Transaction (Whichever Is Higher) $10 or 2.5% Of Each Transaction (Whichever Is Higher)

(Sourced from chase.com and efirstbank.com as of November 22, 2021)



STEP 2: CALCULATE YOUR SAVINGS
Compare how fast you could pay off your credit card debt with a lower interest rate.

CALCULATE AND COMPARE



 
STEP 3: CHOOSE YOUR DESIGN
Explore our exclusive designs that celebrate your favorite Colorado beers and the sites that make our state so unique.

CHOOSE YOUR DESIGN




STEP 4: APPLY FOR YOUR CARD IN LESS THAN 5 MINUTES
Complete your refreshingly fast application in less time than it takes to finish your favorite beverage.
 
I'M READY TO APPLY

I WANT TO SPEAK WITH AN EXPERT FIRST



“We were able to consolidate our debts into one credit card with a lower interest rate. We refinanced both our cars and we are now credit card debt free!! This means more vacation time for the family!”
Jennifer C. Member Since 2008
 



































Two tents pitched in a mountain meadow

Cool designs, low rates and strong protection - could you want more?

*APR = Annual Percentage Rate. Conditions, restrictions and credit approval apply. Offer may end at any time. The introductory period is twelve billing cycles from the date the credit card account is opened. The balance of purchases you make during the introductory period will return to your regular qualified rate at the end of the introductory period if you do not pay it in full. After the introductory period, all purchases and balance transfers made will be subject to your qualified APR. Refer to your Credit Card Agreement for complete information. OTCU membership of $5 required. Federally Insured by NCUA