{"data":{"path":"fedchoice-credit-union/visa-signature-cash-back-credit-card","artwork":{"path":"fedchoice-credit-union/visa-signature-cash-back-credit-card","url":"/v1/product-artwork/fedchoice-credit-union/visa-signature-cash-back-credit-card/2c7652db2340ad16cac171fd6e02ec5124c766fde33b9d59dd6ffec8788473f8.webp","sha256":"2c7652db2340ad16cac171fd6e02ec5124c766fde33b9d59dd6ffec8788473f8","width":160,"height":101,"sourceUrl":"https://www.fedchoice.org/files/fedchoice/1/image/Credit-Cards/Credit-Cards-NEW-2024/Digital-Wallet-Card-Art_Classic.png.webp","sourcePageUrl":"https://www.fedchoice.org/visa-cash-back-credit-card","capturedAt":"2026-10-14T18:29:42.654Z"},"name":"Visa Signature Cash Back Credit Card","officialName":"Visa Signature Cash Back Credit Card","type":"credit_card","audience":"consumer","lifecycleStatus":"active","owner":{"name":"Fedchoice Credit Union","handle":"fedchoice-credit-union"},"institution":{"name":"Fedchoice Credit Union","handle":"fedchoice-credit-union"},"actualIssuerName":null,"standardOffer":{"id":"2895","offerKind":"standard","channel":null,"nameAsFiled":"Visa Signature Cash Back Credit Card","handle":null,"terms":{"productId":"4079","path":"fedchoice-credit-union/visa-signature-cash-back-credit-card","name":"Visa Signature Cash Back Credit Card","officialName":"Visa Signature Cash Back Credit Card","aliases":[],"institutionId":"73519","institutionName":"Fedchoice Credit Union","institutionHandle":"fedchoice-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":1350,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":1350,"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":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":"unknown","balanceTransferIntroNullReason":"unknown","purchaseRateType":"variable","variableRateIndex":"prime","annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":"not_offered","purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":"unknown","balanceTransferFeeAmountCents":0,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":0,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":"unknown","latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":"unknown","overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":"unknown","returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":"unknown","otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":"unknown","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":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":1350,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T13:04:09.403Z","sources":[{"snapshotId":"53057","sourceKind":"official_issuer","publisherName":"FEDCHOICE","capturedAt":"2026-10-14T13:04:09.403Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.fedchoice.org/loan-rates","passageId":"dfd62493d1bbf9e798b59f38c169daa9","pageNumber":null,"quote":"Variable Rate As low as  13.50%**","recordId":"official-issuer:page:url:4f9125b33bd99b0bf498d9694b909e58d5dde6b443c3d0d31251c7d61846aa18","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"},{"snapshotId":"53057","sourceKind":"official_issuer","publisherName":"FEDCHOICE","capturedAt":"2026-10-14T13:04:09.403Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.fedchoice.org/loan-rates","passageId":"34413b455fe98338bbe92cfcc7ad0190","pageNumber":null,"quote":"** Variable rate is based on The Wall Street Journal Prime plus 7.00% to 17.00%. Rate may be adjusted monthly and depends upon applicant’s creditworthiness at time of application.","recordId":"official-issuer:page:url:4f9125b33bd99b0bf498d9694b909e58d5dde6b443c3d0d31251c7d61846aa18","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"}],"purpose":"purchase","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1350,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":null,"maximumBpsNullReason":"not_disclosed","indexName":"prime","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":"** Variable rate is based on The Wall Street Journal Prime plus 7.00% to 17.00%. Rate may be adjusted monthly and depends upon applicant’s creditworthiness at time of application.","eligibilityConditionSources":[{"snapshotId":"53057","sourceKind":"official_issuer","publisherName":"FEDCHOICE","capturedAt":"2026-10-14T13:04:09.403Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.fedchoice.org/loan-rates","passageId":"34413b455fe98338bbe92cfcc7ad0190","pageNumber":null,"quote":"** Variable rate is based on The Wall Street Journal Prime plus 7.00% to 17.00%. Rate may be adjusted monthly and depends upon applicant’s creditworthiness at time of application.","recordId":"official-issuer:page:url:4f9125b33bd99b0bf498d9694b909e58d5dde6b443c3d0d31251c7d61846aa18","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"}],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"53057","sourceKind":"official_issuer","publisherName":"FEDCHOICE","capturedAt":"2026-10-14T13:04:09.403Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.fedchoice.org/loan-rates","passageId":"dfd62493d1bbf9e798b59f38c169daa9","pageNumber":null,"quote":"Variable Rate As low as  13.50%**","recordId":"official-issuer:page:url:4f9125b33bd99b0bf498d9694b909e58d5dde6b443c3d0d31251c7d61846aa18","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T13:04:09.403Z","sources":[{"snapshotId":"52181","sourceKind":"official_issuer","publisherName":"FEDCHOICE","capturedAt":"2026-10-14T06:07:15.707Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.fedchoice.org/all-credit-cards","passageId":"ebcec8b68197459f68787eb6deabfbdd","pageNumber":null,"quote":"No annual fee","recordId":"official-issuer:page:url:9a6e9de201f97ebb130787c4d8581172702e2277c52eb5773f7237317fa05a26","recordFields":[],"fieldKey":"annual_fee"},{"snapshotId":"53057","sourceKind":"official_issuer","publisherName":"FEDCHOICE","capturedAt":"2026-10-14T13:04:09.403Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.fedchoice.org/loan-rates","passageId":"db7183f47b4e3cd7114f91bb02044211","pageNumber":null,"quote":"None","recordId":"official-issuer:page:url:4f9125b33bd99b0bf498d9694b909e58d5dde6b443c3d0d31251c7d61846aa18","recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_offered","percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":null,"explanation":"None"},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T06:07:15.707Z","sources":[{"snapshotId":"52181","sourceKind":"official_issuer","publisherName":"FEDCHOICE","capturedAt":"2026-10-14T06:07:15.707Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.fedchoice.org/all-credit-cards","passageId":"f02327382cae909d9885089c646b9ca6","pageNumber":null,"quote":"No balance transfer fee","recordId":"official-issuer:page:url:9a6e9de201f97ebb130787c4d8581172702e2277c52eb5773f7237317fa05a26","recordFields":[],"fieldKey":"fee:balance_transfer:1"}],"feeType":"balance_transfer","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":0,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":"No balance transfer fee"},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T06:07:15.707Z","sources":[{"snapshotId":"52181","sourceKind":"official_issuer","publisherName":"FEDCHOICE","capturedAt":"2026-10-14T06:07:15.707Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.fedchoice.org/all-credit-cards","passageId":"5ca65e0834e2a5d6581d67f2d2c2e630","pageNumber":null,"quote":"No cash advance fee","recordId":"official-issuer:page:url:9a6e9de201f97ebb130787c4d8581172702e2277c52eb5773f7237317fa05a26","recordFields":[],"fieldKey":"fee:cash_advance:1"}],"feeType":"cash_advance","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":0,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":"No cash advance fee"}],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T13:04:09.403Z","sources":[{"snapshotId":"53057","sourceKind":"official_issuer","publisherName":"FEDCHOICE","capturedAt":"2026-10-14T13:04:09.403Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.fedchoice.org/loan-rates","passageId":"5e50ca79dfb5717452592c69b7496653","pageNumber":null,"quote":"Earn 2.00% Cash Back for every $1 you spend!~~","recordId":"official-issuer:page:url:4f9125b33bd99b0bf498d9694b909e58d5dde6b443c3d0d31251c7d61846aa18","recordFields":[],"fieldKey":"card_cash_benefit"},{"snapshotId":"53057","sourceKind":"official_issuer","publisherName":"FEDCHOICE","capturedAt":"2026-10-14T13:04:09.403Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.fedchoice.org/loan-rates","passageId":"3420d5dc806a68d59ced33c4d29a241d","pageNumber":null,"quote":"~~Cash advances and transfers do not qualify for earning 2.00% Cash Back.","recordId":"official-issuer:page:url:4f9125b33bd99b0bf498d9694b909e58d5dde6b443c3d0d31251c7d61846aa18","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}],"benefitKey":"cash-265","benefitKind":"cashback_earnings","percentBps":200,"percentNullReason":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","amountCents":null,"amountNullReason":"not_applicable","amountIsUpperBound":false,"minimumQualifyingSpendCents":null,"minimumSpendNullReason":"not_applicable","qualifyingDaysAfterAccountOpening":null,"qualifyingDaysNullReason":"not_applicable","recurrenceMonths":null,"recurrenceMonthsNullReason":"not_applicable","recurrenceAnchor":null,"recurrenceAnchorNullReason":"not_applicable","payoutStatementCyclesMinimum":null,"payoutStatementCyclesMaximum":null,"payoutStatementCyclesNullReason":"not_disclosed","conditions":"Earn 2.00% Cash Back for every $1 you spend!~~","qualificationConditions":"~~Cash advances and transfers do not qualify for earning 2.00% Cash Back.","qualificationConditionSources":[{"snapshotId":"53057","sourceKind":"official_issuer","publisherName":"FEDCHOICE","capturedAt":"2026-10-14T13:04:09.403Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.fedchoice.org/loan-rates","passageId":"3420d5dc806a68d59ced33c4d29a241d","pageNumber":null,"quote":"~~Cash advances and transfers do not qualify for earning 2.00% Cash Back.","recordId":"official-issuer:page:url:4f9125b33bd99b0bf498d9694b909e58d5dde6b443c3d0d31251c7d61846aa18","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}]},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T06:07:15.707Z","sources":[{"snapshotId":"52181","sourceKind":"official_issuer","publisherName":"FEDCHOICE","capturedAt":"2026-10-14T06:07:15.707Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.fedchoice.org/all-credit-cards","passageId":"749c0f79c7bc2c01a83081f8397ba74c","pageNumber":null,"quote":"Earn 2% back on all of your spending","recordId":"official-issuer:page:url:9a6e9de201f97ebb130787c4d8581172702e2277c52eb5773f7237317fa05a26","recordFields":[],"fieldKey":"card_cash_benefit"}],"benefitKey":"cashback-178-200","benefitKind":"cashback_earnings","percentBps":200,"percentNullReason":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","amountCents":null,"amountNullReason":"not_applicable","amountIsUpperBound":false,"minimumQualifyingSpendCents":null,"minimumSpendNullReason":"not_applicable","qualifyingDaysAfterAccountOpening":null,"qualifyingDaysNullReason":"not_applicable","recurrenceMonths":null,"recurrenceMonthsNullReason":"not_applicable","recurrenceAnchor":null,"recurrenceAnchorNullReason":"not_applicable","payoutStatementCyclesMinimum":null,"payoutStatementCyclesMaximum":null,"payoutStatementCyclesNullReason":"not_disclosed","conditions":"Earn 2% back on all of your spending","qualificationConditions":null,"qualificationConditionSources":[]}],"cardLinks":[],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]},"offers":[{"id":"2895","offerKind":"standard","channel":null,"nameAsFiled":"Visa Signature Cash Back Credit Card","handle":null,"terms":{"productId":"4079","path":"fedchoice-credit-union/visa-signature-cash-back-credit-card","name":"Visa Signature Cash Back Credit Card","officialName":"Visa Signature Cash Back Credit Card","aliases":[],"institutionId":"73519","institutionName":"Fedchoice Credit Union","institutionHandle":"fedchoice-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":1350,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":1350,"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":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":"unknown","balanceTransferIntroNullReason":"unknown","purchaseRateType":"variable","variableRateIndex":"prime","annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":"not_offered","purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":"unknown","balanceTransferFeeAmountCents":0,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":0,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":"unknown","latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":"unknown","overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":"unknown","returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":"unknown","otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":"unknown","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":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":1350,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T13:04:09.403Z","sources":[{"snapshotId":"53057","sourceKind":"official_issuer","publisherName":"FEDCHOICE","capturedAt":"2026-10-14T13:04:09.403Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.fedchoice.org/loan-rates","passageId":"dfd62493d1bbf9e798b59f38c169daa9","pageNumber":null,"quote":"Variable Rate As low as  13.50%**","recordId":"official-issuer:page:url:4f9125b33bd99b0bf498d9694b909e58d5dde6b443c3d0d31251c7d61846aa18","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"},{"snapshotId":"53057","sourceKind":"official_issuer","publisherName":"FEDCHOICE","capturedAt":"2026-10-14T13:04:09.403Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.fedchoice.org/loan-rates","passageId":"34413b455fe98338bbe92cfcc7ad0190","pageNumber":null,"quote":"** Variable rate is based on The Wall Street Journal Prime plus 7.00% to 17.00%. Rate may be adjusted monthly and depends upon applicant’s creditworthiness at time of application.","recordId":"official-issuer:page:url:4f9125b33bd99b0bf498d9694b909e58d5dde6b443c3d0d31251c7d61846aa18","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"}],"purpose":"purchase","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1350,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":null,"maximumBpsNullReason":"not_disclosed","indexName":"prime","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":"** Variable rate is based on The Wall Street Journal Prime plus 7.00% to 17.00%. Rate may be adjusted monthly and depends upon applicant’s creditworthiness at time of application.","eligibilityConditionSources":[{"snapshotId":"53057","sourceKind":"official_issuer","publisherName":"FEDCHOICE","capturedAt":"2026-10-14T13:04:09.403Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.fedchoice.org/loan-rates","passageId":"34413b455fe98338bbe92cfcc7ad0190","pageNumber":null,"quote":"** Variable rate is based on The Wall Street Journal Prime plus 7.00% to 17.00%. Rate may be adjusted monthly and depends upon applicant’s creditworthiness at time of application.","recordId":"official-issuer:page:url:4f9125b33bd99b0bf498d9694b909e58d5dde6b443c3d0d31251c7d61846aa18","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"}],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"53057","sourceKind":"official_issuer","publisherName":"FEDCHOICE","capturedAt":"2026-10-14T13:04:09.403Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.fedchoice.org/loan-rates","passageId":"dfd62493d1bbf9e798b59f38c169daa9","pageNumber":null,"quote":"Variable Rate As low as  13.50%**","recordId":"official-issuer:page:url:4f9125b33bd99b0bf498d9694b909e58d5dde6b443c3d0d31251c7d61846aa18","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T13:04:09.403Z","sources":[{"snapshotId":"52181","sourceKind":"official_issuer","publisherName":"FEDCHOICE","capturedAt":"2026-10-14T06:07:15.707Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.fedchoice.org/all-credit-cards","passageId":"ebcec8b68197459f68787eb6deabfbdd","pageNumber":null,"quote":"No annual fee","recordId":"official-issuer:page:url:9a6e9de201f97ebb130787c4d8581172702e2277c52eb5773f7237317fa05a26","recordFields":[],"fieldKey":"annual_fee"},{"snapshotId":"53057","sourceKind":"official_issuer","publisherName":"FEDCHOICE","capturedAt":"2026-10-14T13:04:09.403Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.fedchoice.org/loan-rates","passageId":"db7183f47b4e3cd7114f91bb02044211","pageNumber":null,"quote":"None","recordId":"official-issuer:page:url:4f9125b33bd99b0bf498d9694b909e58d5dde6b443c3d0d31251c7d61846aa18","recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_offered","percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":null,"explanation":"None"},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T06:07:15.707Z","sources":[{"snapshotId":"52181","sourceKind":"official_issuer","publisherName":"FEDCHOICE","capturedAt":"2026-10-14T06:07:15.707Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.fedchoice.org/all-credit-cards","passageId":"f02327382cae909d9885089c646b9ca6","pageNumber":null,"quote":"No balance transfer fee","recordId":"official-issuer:page:url:9a6e9de201f97ebb130787c4d8581172702e2277c52eb5773f7237317fa05a26","recordFields":[],"fieldKey":"fee:balance_transfer:1"}],"feeType":"balance_transfer","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":0,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":"No balance transfer fee"},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T06:07:15.707Z","sources":[{"snapshotId":"52181","sourceKind":"official_issuer","publisherName":"FEDCHOICE","capturedAt":"2026-10-14T06:07:15.707Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.fedchoice.org/all-credit-cards","passageId":"5ca65e0834e2a5d6581d67f2d2c2e630","pageNumber":null,"quote":"No cash advance fee","recordId":"official-issuer:page:url:9a6e9de201f97ebb130787c4d8581172702e2277c52eb5773f7237317fa05a26","recordFields":[],"fieldKey":"fee:cash_advance:1"}],"feeType":"cash_advance","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":0,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":"No cash advance fee"}],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T13:04:09.403Z","sources":[{"snapshotId":"53057","sourceKind":"official_issuer","publisherName":"FEDCHOICE","capturedAt":"2026-10-14T13:04:09.403Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.fedchoice.org/loan-rates","passageId":"5e50ca79dfb5717452592c69b7496653","pageNumber":null,"quote":"Earn 2.00% Cash Back for every $1 you spend!~~","recordId":"official-issuer:page:url:4f9125b33bd99b0bf498d9694b909e58d5dde6b443c3d0d31251c7d61846aa18","recordFields":[],"fieldKey":"card_cash_benefit"},{"snapshotId":"53057","sourceKind":"official_issuer","publisherName":"FEDCHOICE","capturedAt":"2026-10-14T13:04:09.403Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.fedchoice.org/loan-rates","passageId":"3420d5dc806a68d59ced33c4d29a241d","pageNumber":null,"quote":"~~Cash advances and transfers do not qualify for earning 2.00% Cash Back.","recordId":"official-issuer:page:url:4f9125b33bd99b0bf498d9694b909e58d5dde6b443c3d0d31251c7d61846aa18","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}],"benefitKey":"cash-265","benefitKind":"cashback_earnings","percentBps":200,"percentNullReason":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","amountCents":null,"amountNullReason":"not_applicable","amountIsUpperBound":false,"minimumQualifyingSpendCents":null,"minimumSpendNullReason":"not_applicable","qualifyingDaysAfterAccountOpening":null,"qualifyingDaysNullReason":"not_applicable","recurrenceMonths":null,"recurrenceMonthsNullReason":"not_applicable","recurrenceAnchor":null,"recurrenceAnchorNullReason":"not_applicable","payoutStatementCyclesMinimum":null,"payoutStatementCyclesMaximum":null,"payoutStatementCyclesNullReason":"not_disclosed","conditions":"Earn 2.00% Cash Back for every $1 you spend!~~","qualificationConditions":"~~Cash advances and transfers do not qualify for earning 2.00% Cash Back.","qualificationConditionSources":[{"snapshotId":"53057","sourceKind":"official_issuer","publisherName":"FEDCHOICE","capturedAt":"2026-10-14T13:04:09.403Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.fedchoice.org/loan-rates","passageId":"3420d5dc806a68d59ced33c4d29a241d","pageNumber":null,"quote":"~~Cash advances and transfers do not qualify for earning 2.00% Cash Back.","recordId":"official-issuer:page:url:4f9125b33bd99b0bf498d9694b909e58d5dde6b443c3d0d31251c7d61846aa18","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}]},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T06:07:15.707Z","sources":[{"snapshotId":"52181","sourceKind":"official_issuer","publisherName":"FEDCHOICE","capturedAt":"2026-10-14T06:07:15.707Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.fedchoice.org/all-credit-cards","passageId":"749c0f79c7bc2c01a83081f8397ba74c","pageNumber":null,"quote":"Earn 2% back on all of your spending","recordId":"official-issuer:page:url:9a6e9de201f97ebb130787c4d8581172702e2277c52eb5773f7237317fa05a26","recordFields":[],"fieldKey":"card_cash_benefit"}],"benefitKey":"cashback-178-200","benefitKind":"cashback_earnings","percentBps":200,"percentNullReason":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","amountCents":null,"amountNullReason":"not_applicable","amountIsUpperBound":false,"minimumQualifyingSpendCents":null,"minimumSpendNullReason":"not_applicable","qualifyingDaysAfterAccountOpening":null,"qualifyingDaysNullReason":"not_applicable","recurrenceMonths":null,"recurrenceMonthsNullReason":"not_applicable","recurrenceAnchor":null,"recurrenceAnchorNullReason":"not_applicable","payoutStatementCyclesMinimum":null,"payoutStatementCyclesMaximum":null,"payoutStatementCyclesNullReason":"not_disclosed","conditions":"Earn 2% back on all of your spending","qualificationConditions":null,"qualificationConditionSources":[]}],"cardLinks":[],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[]}}