{"data":{"path":"fivepoint-credit-union/platinum-visa","artwork":{"path":"fivepoint-credit-union/platinum-visa","url":"/v1/product-artwork/fivepoint-credit-union/platinum-visa/deceea59b6f82d98cb988c6bb7ead369bb8f5d6d4481635935790d746ad67ecd.webp","sha256":"deceea59b6f82d98cb988c6bb7ead369bb8f5d6d4481635935790d746ad67ecd","width":100,"height":150,"sourceUrl":"https://www.5pointcu.org/getmedia/d94baf1d-bfe4-4b8f-ae80-65a2f05fec52/Platinum-Website-Chip-01.png?width=100&height=150","sourcePageUrl":"https://www.5pointcu.org/personal/loans/new-credit-cards/","capturedAt":"2026-10-14T08:37:58.224Z"},"name":"Platinum Visa","officialName":"Platinum Visa","type":"credit_card","audience":"consumer","lifecycleStatus":"active","owner":{"name":"Fivepoint Credit Union","handle":"fivepoint-credit-union"},"institution":{"name":"Fivepoint Credit Union","handle":"fivepoint-credit-union"},"actualIssuerName":null,"standardOffer":{"id":"2092","offerKind":"standard","channel":null,"nameAsFiled":"Platinum Visa","handle":null,"terms":{"productId":"3276","path":"fivepoint-credit-union/platinum-visa","name":"Platinum Visa","officialName":"Platinum Visa","aliases":[],"institutionId":"76679","institutionName":"Fivepoint Credit Union","institutionHandle":"fivepoint-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":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":"unknown","balanceTransferIntroNullReason":"unknown","purchaseRateType":null,"variableRateIndex":null,"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":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":"unknown","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":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[],"fees":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T05:42:43.203Z","sources":[{"snapshotId":"52107","sourceKind":"official_issuer","publisherName":"FIVEPOINT","capturedAt":"2026-10-14T05:42:43.203Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.5pointcu.org/personal/loans/new-credit-cards/","passageId":"d738cb62f07b92e62fc1ddf59623279d","pageNumber":null,"quote":"This smart, simple card offers no hidden or annual fees. Plus","recordId":"official-issuer:page:url:304ef6a98429bcfdfeb49b9cbe8c25a5310c16a49022c9caf46634739ef50874","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":"\n      This smart, simple card offers no hidden or annual fees. Plus\n"},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T05:42:43.203Z","sources":[{"snapshotId":"52107","sourceKind":"official_issuer","publisherName":"FIVEPOINT","capturedAt":"2026-10-14T05:42:43.203Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.5pointcu.org/personal/loans/new-credit-cards/","passageId":"01dc47340ec30999e85056fc838801db","pageNumber":null,"quote":"No application fee","recordId":"official-issuer:page:url:304ef6a98429bcfdfeb49b9cbe8c25a5310c16a49022c9caf46634739ef50874","recordFields":[],"fieldKey":"fee:application:1"}],"feeType":"application","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 application fee"},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T05:42:43.203Z","sources":[{"snapshotId":"52107","sourceKind":"official_issuer","publisherName":"FIVEPOINT","capturedAt":"2026-10-14T05:42:43.203Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.5pointcu.org/personal/loans/new-credit-cards/","passageId":"6dde8678f7f33c7a563c9a26b36ca6b4","pageNumber":null,"quote":"No balance transfer fee","recordId":"official-issuer:page:url:304ef6a98429bcfdfeb49b9cbe8c25a5310c16a49022c9caf46634739ef50874","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"}],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_apr","fieldKey":"withheld-112","reason":"unparsed_value","detail":"APR retained verbatim but not materialized: the supplied inputs contain no capture date and no usable literal ISO effective date. No effective date is inferred.","sources":[{"snapshotId":"52107","sourceKind":"official_issuer","publisherName":"FIVEPOINT","capturedAt":"2026-10-14T05:42:43.203Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.5pointcu.org/personal/loans/new-credit-cards/","passageId":"c383b5f32e00537d28bdf0ce044f683b","pageNumber":null,"quote":"11.50% – 18.00%","recordId":"official-issuer:page:url:304ef6a98429bcfdfeb49b9cbe8c25a5310c16a49022c9caf46634739ef50874","recordFields":[],"fieldKey":"withheld:card_apr:withheld-112"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]},"offers":[{"id":"2092","offerKind":"standard","channel":null,"nameAsFiled":"Platinum Visa","handle":null,"terms":{"productId":"3276","path":"fivepoint-credit-union/platinum-visa","name":"Platinum Visa","officialName":"Platinum Visa","aliases":[],"institutionId":"76679","institutionName":"Fivepoint Credit Union","institutionHandle":"fivepoint-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":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":"unknown","balanceTransferIntroNullReason":"unknown","purchaseRateType":null,"variableRateIndex":null,"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":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":"unknown","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":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[],"fees":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T05:42:43.203Z","sources":[{"snapshotId":"52107","sourceKind":"official_issuer","publisherName":"FIVEPOINT","capturedAt":"2026-10-14T05:42:43.203Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.5pointcu.org/personal/loans/new-credit-cards/","passageId":"d738cb62f07b92e62fc1ddf59623279d","pageNumber":null,"quote":"This smart, simple card offers no hidden or annual fees. Plus","recordId":"official-issuer:page:url:304ef6a98429bcfdfeb49b9cbe8c25a5310c16a49022c9caf46634739ef50874","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":"\n      This smart, simple card offers no hidden or annual fees. Plus\n"},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T05:42:43.203Z","sources":[{"snapshotId":"52107","sourceKind":"official_issuer","publisherName":"FIVEPOINT","capturedAt":"2026-10-14T05:42:43.203Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.5pointcu.org/personal/loans/new-credit-cards/","passageId":"01dc47340ec30999e85056fc838801db","pageNumber":null,"quote":"No application fee","recordId":"official-issuer:page:url:304ef6a98429bcfdfeb49b9cbe8c25a5310c16a49022c9caf46634739ef50874","recordFields":[],"fieldKey":"fee:application:1"}],"feeType":"application","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 application fee"},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T05:42:43.203Z","sources":[{"snapshotId":"52107","sourceKind":"official_issuer","publisherName":"FIVEPOINT","capturedAt":"2026-10-14T05:42:43.203Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.5pointcu.org/personal/loans/new-credit-cards/","passageId":"6dde8678f7f33c7a563c9a26b36ca6b4","pageNumber":null,"quote":"No balance transfer fee","recordId":"official-issuer:page:url:304ef6a98429bcfdfeb49b9cbe8c25a5310c16a49022c9caf46634739ef50874","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"}],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_apr","fieldKey":"withheld-112","reason":"unparsed_value","detail":"APR retained verbatim but not materialized: the supplied inputs contain no capture date and no usable literal ISO effective date. No effective date is inferred.","sources":[{"snapshotId":"52107","sourceKind":"official_issuer","publisherName":"FIVEPOINT","capturedAt":"2026-10-14T05:42:43.203Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.5pointcu.org/personal/loans/new-credit-cards/","passageId":"c383b5f32e00537d28bdf0ce044f683b","pageNumber":null,"quote":"11.50% – 18.00%","recordId":"official-issuer:page:url:304ef6a98429bcfdfeb49b9cbe8c25a5310c16a49022c9caf46634739ef50874","recordFields":[],"fieldKey":"withheld:card_apr:withheld-112"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[{"snapshotId":"47590","path":"fivepoint-credit-union/credit-card-agreement-and-disclosure","title":"Credit Card Agreement and Disclosure","documentType":"official_issuer_agreement","effectiveDate":null,"effectiveDateNullReason":"not_parsed","issuer":{"name":"Fivepoint Credit Union","handle":"fivepoint-credit-union"},"identityDeclarations":[{"passageId":"c54a25ce38f4ffbd8dad713756cbc817","pageNumber":1,"name":"Platinum Visa"}]}]}}