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Rates vary by card type, and you can redeem your rewards anytime directly to your Firefighters First checking or savings account.","recordId":"official-issuer:page:url:86d226719e55f9a7a8645966f14e2b6bf8450480210e983027c0887dc51e0b85","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}],"benefitKey":"cashback","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":"\n\t\t\t\t\tUnlimited 2.00% Cashback","qualificationConditions":"Your spending should work for you. Every eligible purchase on a Firefighters First Visa® card earns unlimited cashback automatically, with no points to manage, no categories to activate and no expiration date on what you accumulate. Rates vary by card type, and you can redeem your rewards anytime directly to your Firefighters First checking or savings account.","qualificationConditionSources":[{"snapshotId":"50622","sourceKind":"official_issuer","publisherName":"FIREFIGHTERS FIRST","capturedAt":"2026-10-13T13:33:40.529Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.firefightersfirstcu.org/loans/credit-cards/","passageId":"2e7ed37610b6a5bffa068fd23a66fc20","pageNumber":null,"quote":"Your spending should work for you. Every eligible purchase on a Firefighters First Visa® card earns unlimited cashback automatically, with no points to manage, no categories to activate and no expiration date on what you accumulate. Rates vary by card type, and you can redeem your rewards anytime directly to your Firefighters First checking or savings account.","recordId":"official-issuer:page:url:86d226719e55f9a7a8645966f14e2b6bf8450480210e983027c0887dc51e0b85","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}]}],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_apr","fieldKey":"held-391","reason":"unparsed_value","detail":"The retained page states this APR, but the supplied inputs omit the capture timestamp required by the APR planner; no effective date is invented.","sources":[{"snapshotId":"50622","sourceKind":"official_issuer","publisherName":"FIREFIGHTERS FIRST","capturedAt":"2026-10-13T13:33:40.529Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firefightersfirstcu.org/loans/credit-cards/","passageId":"83c7bc8a487618c12f6d8004c8dc141a","pageNumber":null,"quote":"14.74% – 17.99% APR","recordId":"official-issuer:page:url:86d226719e55f9a7a8645966f14e2b6bf8450480210e983027c0887dc51e0b85","recordFields":[],"fieldKey":"withheld:card_apr:held-391"}]},{"observationKind":"card_apr","fieldKey":"held-510","reason":"unparsed_value","detail":"The retained page states this APR, but the supplied inputs omit the capture timestamp required by the APR planner; no effective date is invented.","sources":[{"snapshotId":"50622","sourceKind":"official_issuer","publisherName":"FIREFIGHTERS FIRST","capturedAt":"2026-10-13T13:33:40.529Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.firefightersfirstcu.org/loans/credit-cards/","passageId":"686a03b8846054887664e90429177e1d","pageNumber":null,"quote":"2. Visa® Classic 11.99% APR (Annual Percentage Rate). Visa® Platinum (fixed rate) 8.99% – 16.99% APR, when you open your account based on credit worthiness. Visa® Signature (variable rate) 14.49% – 17.99% APR, when you open your account based on credit worthiness.","recordId":"official-issuer:page:url:86d226719e55f9a7a8645966f14e2b6bf8450480210e983027c0887dc51e0b85","recordFields":[],"fieldKey":"withheld:card_apr:held-510"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[{"snapshotId":"47205","path":"firefighters-first-credit-union/credit-line-account-agreement-and-federal-disclosure-statement-12262025","title":"Credit-Line-Account-Agreement-And-Federal-Disclosure-Statement-12262025","documentType":"official_issuer_agreement","effectiveDate":null,"effectiveDateNullReason":"not_parsed","issuer":{"name":"Firefighters First Credit Union","handle":"firefighters-first-credit-union"},"identityDeclarations":[{"passageId":"e6278ea77c1094114a3b60a1727ffa21","pageNumber":3,"name":"VISA SIGNATURE CREDIT CARD"}]}]}}