{"data":{"path":"education-credit-union/visa-platinum-cash-rewards","artwork":null,"name":"Visa Platinum Cash Rewards","officialName":"Visa Platinum Cash Rewards","type":"credit_card","audience":"consumer","lifecycleStatus":"active","owner":{"name":"Education Credit Union","handle":"education-credit-union"},"institution":{"name":"Education Credit Union","handle":"education-credit-union"},"actualIssuerName":null,"standardOffer":{"id":"1564","offerKind":"standard","channel":null,"nameAsFiled":"Visa Platinum Cash Rewards","handle":null,"terms":{"productId":"2748","path":"education-credit-union/visa-platinum-cash-rewards","name":"Visa Platinum Cash Rewards","officialName":"Visa Platinum Cash Rewards","aliases":[],"institutionId":"76272","institutionName":"Education Credit Union","institutionHandle":"education-credit-union","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":1775,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":1775,"penaltyRegularMaxBps":1775,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":null,"purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":null,"balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":"not_disclosed","latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":null,"overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":null,"returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":null,"otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":null,"lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":"education-credit-union/account-opening-disclosure-supplement-to-agreement-cash-rewards","sourceDocumentTitle":"Account Opening Disclosure Supplement to Agreement - Cash Rewards Platinum Visa","sourceDocumentPage":1,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47206","sourceKind":"official_issuer","publisherName":"EDUCATION","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"education-credit-union/account-opening-disclosure-supplement-to-agreement-cash-rewards","documentTitle":"Account Opening Disclosure Supplement to Agreement - Cash Rewards Platinum Visa","publicUrl":null,"passageId":"fd3a24b453d426071353832e066cc825","pageNumber":1,"quote":"17.75% This APR may be applied to all advances for your account if you: 1 Make a late payment How Long Will the Penalty APR Apply?: If your APR is increased for this reason, the Penalty APR will apply until you make six consecutive minimum pavments when due.","recordId":null,"recordFields":[],"fieldKey":"apr:penalty:penalty:all:0"}],"purpose":"penalty","phase":"penalty","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"fixed","rateTypeNullReason":null,"minimumBps":1775,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":1775,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_applicable","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":["late_payment"],"penaltyTriggerResolution":"complete","penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"47206","sourceKind":"official_issuer","publisherName":"EDUCATION","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"education-credit-union/account-opening-disclosure-supplement-to-agreement-cash-rewards","documentTitle":"Account Opening Disclosure Supplement to Agreement - Cash Rewards Platinum Visa","publicUrl":null,"passageId":"fd3a24b453d426071353832e066cc825","pageNumber":1,"quote":"17.75% This APR may be applied to all advances for your account if you: 1 Make a late payment How Long Will the Penalty APR Apply?: If your APR is increased for this reason, the Penalty APR will apply until you make six consecutive minimum pavments when due.","recordId":null,"recordFields":[],"fieldKey":"apr:penalty:penalty:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47206","sourceKind":"official_issuer","publisherName":"EDUCATION","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"education-credit-union/account-opening-disclosure-supplement-to-agreement-cash-rewards","documentTitle":"Account Opening Disclosure Supplement to Agreement - Cash Rewards Platinum Visa","publicUrl":null,"passageId":"50dbdc73e526e0e736be7d2ce246ec32","pageNumber":1,"quote":"None","recordId":null,"recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":0,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":"amount_only","explanation":null},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47206","sourceKind":"official_issuer","publisherName":"EDUCATION","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"education-credit-union/account-opening-disclosure-supplement-to-agreement-cash-rewards","documentTitle":"Account Opening Disclosure Supplement to Agreement - Cash Rewards Platinum Visa","publicUrl":null,"passageId":"86030dd32993cbbfff88945b25d53f50","pageNumber":1,"quote":"Up to 1% of each transaction in U.S. dollars.","recordId":null,"recordFields":[],"fieldKey":"fee:foreign_transaction:1"}],"feeType":"foreign_transaction","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_disclosed","percentBps":null,"percentNullReason":"not_disclosed","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":100,"maximumPercentNullReason":null,"feeScope":"account","calculation":"percent_only","explanation":"Up to 1% of each transaction in U.S. dollars."}],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_offer","fieldKey":"disclosure:grace_period:purchase:page:1","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"47206","sourceKind":"official_issuer","publisherName":"EDUCATION","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"education-credit-union/account-opening-disclosure-supplement-to-agreement-cash-rewards","documentTitle":"Account Opening Disclosure Supplement to Agreement - Cash Rewards Platinum Visa","publicUrl":null,"passageId":"a68b96c563c572cd435ae3693460a464","pageNumber":1,"quote":"Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:grace_period:purchase:page:1"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]},"offers":[{"id":"1564","offerKind":"standard","channel":null,"nameAsFiled":"Visa Platinum Cash Rewards","handle":null,"terms":{"productId":"2748","path":"education-credit-union/visa-platinum-cash-rewards","name":"Visa Platinum Cash Rewards","officialName":"Visa Platinum Cash Rewards","aliases":[],"institutionId":"76272","institutionName":"Education Credit Union","institutionHandle":"education-credit-union","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":1775,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":1775,"penaltyRegularMaxBps":1775,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":null,"purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":null,"balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":"not_disclosed","latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":null,"overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":null,"returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":null,"otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":null,"lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":"education-credit-union/account-opening-disclosure-supplement-to-agreement-cash-rewards","sourceDocumentTitle":"Account Opening Disclosure Supplement to Agreement - Cash Rewards Platinum Visa","sourceDocumentPage":1,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47206","sourceKind":"official_issuer","publisherName":"EDUCATION","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"education-credit-union/account-opening-disclosure-supplement-to-agreement-cash-rewards","documentTitle":"Account Opening Disclosure Supplement to Agreement - Cash Rewards Platinum Visa","publicUrl":null,"passageId":"fd3a24b453d426071353832e066cc825","pageNumber":1,"quote":"17.75% This APR may be applied to all advances for your account if you: 1 Make a late payment How Long Will the Penalty APR Apply?: If your APR is increased for this reason, the Penalty APR will apply until you make six consecutive minimum pavments when due.","recordId":null,"recordFields":[],"fieldKey":"apr:penalty:penalty:all:0"}],"purpose":"penalty","phase":"penalty","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"fixed","rateTypeNullReason":null,"minimumBps":1775,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":1775,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_applicable","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":["late_payment"],"penaltyTriggerResolution":"complete","penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"47206","sourceKind":"official_issuer","publisherName":"EDUCATION","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"education-credit-union/account-opening-disclosure-supplement-to-agreement-cash-rewards","documentTitle":"Account Opening Disclosure Supplement to Agreement - Cash Rewards Platinum Visa","publicUrl":null,"passageId":"fd3a24b453d426071353832e066cc825","pageNumber":1,"quote":"17.75% This APR may be applied to all advances for your account if you: 1 Make a late payment How Long Will the Penalty APR Apply?: If your APR is increased for this reason, the Penalty APR will apply until you make six consecutive minimum pavments when due.","recordId":null,"recordFields":[],"fieldKey":"apr:penalty:penalty:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47206","sourceKind":"official_issuer","publisherName":"EDUCATION","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"education-credit-union/account-opening-disclosure-supplement-to-agreement-cash-rewards","documentTitle":"Account Opening Disclosure Supplement to Agreement - Cash Rewards Platinum Visa","publicUrl":null,"passageId":"50dbdc73e526e0e736be7d2ce246ec32","pageNumber":1,"quote":"None","recordId":null,"recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":0,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":"amount_only","explanation":null},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"47206","sourceKind":"official_issuer","publisherName":"EDUCATION","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"education-credit-union/account-opening-disclosure-supplement-to-agreement-cash-rewards","documentTitle":"Account Opening Disclosure Supplement to Agreement - Cash Rewards Platinum Visa","publicUrl":null,"passageId":"86030dd32993cbbfff88945b25d53f50","pageNumber":1,"quote":"Up to 1% of each transaction in U.S. dollars.","recordId":null,"recordFields":[],"fieldKey":"fee:foreign_transaction:1"}],"feeType":"foreign_transaction","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_disclosed","percentBps":null,"percentNullReason":"not_disclosed","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":100,"maximumPercentNullReason":null,"feeScope":"account","calculation":"percent_only","explanation":"Up to 1% of each transaction in U.S. dollars."}],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_offer","fieldKey":"disclosure:grace_period:purchase:page:1","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"47206","sourceKind":"official_issuer","publisherName":"EDUCATION","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"education-credit-union/account-opening-disclosure-supplement-to-agreement-cash-rewards","documentTitle":"Account Opening Disclosure Supplement to Agreement - Cash Rewards Platinum Visa","publicUrl":null,"passageId":"a68b96c563c572cd435ae3693460a464","pageNumber":1,"quote":"Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:grace_period:purchase:page:1"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[{"snapshotId":"47206","path":"education-credit-union/account-opening-disclosure-supplement-to-agreement-cash-rewards","title":"Account Opening Disclosure Supplement to Agreement - Cash Rewards Platinum Visa","documentType":"official_issuer_agreement","effectiveDate":null,"effectiveDateNullReason":"not_parsed","issuer":{"name":"Education Credit Union","handle":"education-credit-union"}}]}}