{"data":{"path":"georgia-united-credit-union/cash-back-visa-signature","artwork":null,"name":"CASH BACK VISA SIGNATURE","officialName":"CASH BACK VISA SIGNATURE","type":"credit_card","audience":"consumer","lifecycleStatus":"active","owner":{"name":"Georgia United Credit Union","handle":"georgia-united-credit-union"},"institution":{"name":"Georgia United Credit Union","handle":"georgia-united-credit-union"},"actualIssuerName":null,"standardOffer":{"id":"2639","offerKind":"standard","channel":null,"nameAsFiled":"CASH BACK VISA SIGNATURE","handle":null,"terms":{"productId":"3823","path":"georgia-united-credit-union/cash-back-visa-signature","name":"CASH BACK VISA SIGNATURE","officialName":"CASH BACK VISA SIGNATURE","aliases":[],"institutionId":"76662","institutionName":"Georgia United Credit Union","institutionHandle":"georgia-united-credit-union","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":"visa","targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":0,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":1374,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":1374,"purchaseRegularMaxBps":2299,"purchaseIntroAllBps":199,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":199,"purchaseIntroMaxBps":199,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":199,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":199,"balanceTransferIntroMaxBps":199,"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":null,"balanceTransferIntroNullReason":null,"purchaseRateType":"variable","variableRateIndex":"Prime Rate","annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":"not_offered","purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":"unknown","balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":"unknown","cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":"unknown","foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":"unknown","latePaymentFeeAmountCents":2500,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":null,"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":1374,"maxPurchaseAprBps":2299,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T16:50:36.999Z","sources":[{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"2a8919af21637fb26898d093197925ad","pageNumber":null,"quote":"**Introductory 1.99% Annual Percentage Rate (APR) is available on purchases and balance transfers for 12 billing cycles. Balance transfers must occur within the first three billing cycles of account opening to qualify for the introductory rate.\n            Balance transfers incur interest charges from the transaction date. After introductory period, your APR on purchases and balance transfers wil…","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:0"},{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"2a8919af21637fb26898d093197925ad","pageNumber":null,"quote":"**Introductory 1.99% Annual Percentage Rate (APR) is available on purchases and balance transfers for 12 billing cycles. Balance transfers must occur within the first three billing cycles of account opening to qualify for the introductory rate.\n            Balance transfers incur interest charges from the transaction date. After introductory period, your APR on purchases and balance transfers wil…","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:conditions"}],"purpose":"balance_transfer","phase":"introductory","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":null,"rateTypeNullReason":"not_disclosed","minimumBps":199,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":199,"maximumBpsNullReason":null,"indexName":null,"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":12,"durationBillingCyclesNullReason":null,"eligibilityConditions":"**Introductory 1.99% Annual Percentage Rate (APR) is available on purchases and balance transfers for 12 billing cycles. Balance transfers must occur within the first three billing cycles of account opening to qualify for the introductory rate.\n            Balance transfers incur interest charges from the transaction date. After introductory period, your APR on purchases and balance transfers will be a variable rate and may change based on Prime Rate, as of 9/27/25, rates are ","eligibilityConditionSources":[{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"2a8919af21637fb26898d093197925ad","pageNumber":null,"quote":"**Introductory 1.99% Annual Percentage Rate (APR) is available on purchases and balance transfers for 12 billing cycles. Balance transfers must occur within the first three billing cycles of account opening to qualify for the introductory rate.\n            Balance transfers incur interest charges from the transaction date. After introductory period, your APR on purchases and balance transfers wil…","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"2a8919af21637fb26898d093197925ad","pageNumber":null,"quote":"**Introductory 1.99% Annual Percentage Rate (APR) is available on purchases and balance transfers for 12 billing cycles. Balance transfers must occur within the first three billing cycles of account opening to qualify for the introductory rate.\n            Balance transfers incur interest charges from the transaction date. After introductory period, your APR on purchases and balance transfers wil…","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T16:50:36.999Z","sources":[{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"2a8919af21637fb26898d093197925ad","pageNumber":null,"quote":"**Introductory 1.99% Annual Percentage Rate (APR) is available on purchases and balance transfers for 12 billing cycles. Balance transfers must occur within the first three billing cycles of account opening to qualify for the introductory rate.\n            Balance transfers incur interest charges from the transaction date. After introductory period, your APR on purchases and balance transfers wil…","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"apr:purchase:introductory:all:0"},{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"2a8919af21637fb26898d093197925ad","pageNumber":null,"quote":"**Introductory 1.99% Annual Percentage Rate (APR) is available on purchases and balance transfers for 12 billing cycles. Balance transfers must occur within the first three billing cycles of account opening to qualify for the introductory rate.\n            Balance transfers incur interest charges from the transaction date. After introductory period, your APR on purchases and balance transfers wil…","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"apr:purchase:introductory:conditions"}],"purpose":"purchase","phase":"introductory","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":null,"rateTypeNullReason":"not_disclosed","minimumBps":199,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":199,"maximumBpsNullReason":null,"indexName":null,"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":12,"durationBillingCyclesNullReason":null,"eligibilityConditions":"**Introductory 1.99% Annual Percentage Rate (APR) is available on purchases and balance transfers for 12 billing cycles. Balance transfers must occur within the first three billing cycles of account opening to qualify for the introductory rate.\n            Balance transfers incur interest charges from the transaction date. After introductory period, your APR on purchases and balance transfers will be a variable rate and may change based on Prime Rate, as of 9/27/25, rates are ","eligibilityConditionSources":[{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"2a8919af21637fb26898d093197925ad","pageNumber":null,"quote":"**Introductory 1.99% Annual Percentage Rate (APR) is available on purchases and balance transfers for 12 billing cycles. Balance transfers must occur within the first three billing cycles of account opening to qualify for the introductory rate.\n            Balance transfers incur interest charges from the transaction date. After introductory period, your APR on purchases and balance transfers wil…","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"apr:purchase:introductory:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"2a8919af21637fb26898d093197925ad","pageNumber":null,"quote":"**Introductory 1.99% Annual Percentage Rate (APR) is available on purchases and balance transfers for 12 billing cycles. Balance transfers must occur within the first three billing cycles of account opening to qualify for the introductory rate.\n            Balance transfers incur interest charges from the transaction date. After introductory period, your APR on purchases and balance transfers wil…","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"apr:purchase:introductory:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T16:50:36.999Z","sources":[{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"3de23dd7f5bca1641e5a6f3195997591","pageNumber":null,"quote":"on purchases and balance transfers for 12 months, then a variable APR of 13.74% to 22.99%","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"},{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"bfc9ecab2485860bf1eb044f02798283","pageNumber":null,"quote":". Qualified rates vary based on credit history and underwriting factors. Not all applicants will qualify. To avoid paying interest on purchases, you must pay the entire balance by the due date, including transferred\n            balances under this promotion. For other fees that may apply, call","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"}],"purpose":"purchase","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1374,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":2299,"maximumBpsNullReason":null,"indexName":"Prime Rate","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":". Qualified rates vary based on credit history and underwriting factors. Not all applicants will qualify. To avoid paying interest on purchases, you must pay the entire balance by the due date, including transferred\n            balances under this promotion. For other fees that may apply, call ","eligibilityConditionSources":[{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"bfc9ecab2485860bf1eb044f02798283","pageNumber":null,"quote":". Qualified rates vary based on credit history and underwriting factors. Not all applicants will qualify. To avoid paying interest on purchases, you must pay the entire balance by the due date, including transferred\n            balances under this promotion. For other fees that may apply, call","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"}],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"3de23dd7f5bca1641e5a6f3195997591","pageNumber":null,"quote":"on purchases and balance transfers for 12 months, then a variable APR of 13.74% to 22.99%","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T16:50:36.999Z","sources":[{"snapshotId":"52092","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T05:36:33.061Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards","passageId":"e7980a3ffbd75cc4d15bf634736a55c3","pageNumber":null,"quote":"$0 Annual Fee**","recordId":"official-issuer:page:url:442f2fe4477f15f45fb48170e7d2bbc382a994d30c54bc4d567fe353bbbfe919","recordFields":[],"fieldKey":"annual_fee"},{"snapshotId":"53727","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:17.872Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/visa-credit-card-disclosure","passageId":"f9ecc826079254cc65ef35322e4d7d30","pageNumber":null,"quote":"None","recordId":"official-issuer:page:url:12c9eacc7f04a10acb99b57b7c93e5aabdafac70693c88baf4af1792de5cc818","recordFields":[],"fieldKey":"annual_fee"},{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"e9b167aa328a961b5720caf2b4fd4581","pageNumber":null,"quote":"No annual fee","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","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":"No annual fee"},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T16:50:17.872Z","sources":[{"snapshotId":"53727","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:17.872Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/visa-credit-card-disclosure","passageId":"e140ec1e0d18bb84fee9b627dd932f9d","pageNumber":null,"quote":"$25.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment.","recordId":"official-issuer:page:url:12c9eacc7f04a10acb99b57b7c93e5aabdafac70693c88baf4af1792de5cc818","recordFields":[],"fieldKey":"fee:late_payment:1"}],"feeType":"late_payment","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":2500,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":2500,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"lesser_of","explanation":"$25.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment."}],"cardTerms":null,"partialCardNetwork":{"network":"visa","sources":[{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"e7d7c603f34918d0e19e6ac095ea562b","pageNumber":null,"quote":"Cash Back Visa Signature® Card","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"network"}]},"partialCardMinimumFinanceCharge":{"minimumFinanceChargeCents":0,"currencyCode":"USD","sources":[{"snapshotId":"53727","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:17.872Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/visa-credit-card-disclosure","passageId":"3581e7d6d943274d1691e9ffd048b83d","pageNumber":null,"quote":"None","recordId":"official-issuer:page:url:12c9eacc7f04a10acb99b57b7c93e5aabdafac70693c88baf4af1792de5cc818","recordFields":[],"fieldKey":"minimum_finance_charge"}]},"signupBonuses":[],"cardRewards":[],"cashBenefits":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T16:50:36.999Z","sources":[{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"fa0b7b6f93320d58949fae4ee87c168f","pageNumber":null,"quote":"Unlimited 1.5% cash back*","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"card_cash_benefit"},{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"dd83f5708221a588d1f3db4b1221f130","pageNumber":null,"quote":"*Purchases do not include returned items for credit, balance transfers, cash advances and interest. There is no limit to the amount of cash back you can earn, if your account is open and in good standing. Cash back received will be automatically\n            deposited into your Savings (Share) Account each month.","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}],"benefitKey":"cashback","benefitKind":"cashback_earnings","percentBps":150,"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":"Unlimited 1.5% cash back*","qualificationConditions":"*Purchases do not include returned items for credit, balance transfers, cash advances and interest. There is no limit to the amount of cash back you can earn, if your account is open and in good standing. Cash back received will be automatically\n            deposited into your Savings (Share) Account each month. ","qualificationConditionSources":[{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"dd83f5708221a588d1f3db4b1221f130","pageNumber":null,"quote":"*Purchases do not include returned items for credit, balance transfers, cash advances and interest. There is no limit to the amount of cash back you can earn, if your account is open and in good standing. Cash back received will be automatically\n            deposited into your Savings (Share) Account each month.","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}]},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T05:36:33.061Z","sources":[{"snapshotId":"52092","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T05:36:33.061Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards","passageId":"8e20697ecceacc8d4c77cf8fa51ace97","pageNumber":null,"quote":"1.5% cash back","recordId":"official-issuer:page:url:442f2fe4477f15f45fb48170e7d2bbc382a994d30c54bc4d567fe353bbbfe919","recordFields":[],"fieldKey":"card_cash_benefit"},{"snapshotId":"52092","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T05:36:33.061Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards","passageId":"9d9dc5d94816eebc88963ff552c5cabc","pageNumber":null,"quote":"on all purchases*","recordId":"official-issuer:page:url:442f2fe4477f15f45fb48170e7d2bbc382a994d30c54bc4d567fe353bbbfe919","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}],"benefitKey":"cashback-122-150","benefitKind":"cashback_earnings","percentBps":150,"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":"1.5% cash back ","qualificationConditions":"on all purchases*","qualificationConditionSources":[{"snapshotId":"52092","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T05:36:33.061Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards","passageId":"9d9dc5d94816eebc88963ff552c5cabc","pageNumber":null,"quote":"on all purchases*","recordId":"official-issuer:page:url:442f2fe4477f15f45fb48170e7d2bbc382a994d30c54bc4d567fe353bbbfe919","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}]}],"cardLinks":[],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]},"offers":[{"id":"2639","offerKind":"standard","channel":null,"nameAsFiled":"CASH BACK VISA SIGNATURE","handle":null,"terms":{"productId":"3823","path":"georgia-united-credit-union/cash-back-visa-signature","name":"CASH BACK VISA SIGNATURE","officialName":"CASH BACK VISA SIGNATURE","aliases":[],"institutionId":"76662","institutionName":"Georgia United Credit Union","institutionHandle":"georgia-united-credit-union","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":"visa","targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":0,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":1374,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":1374,"purchaseRegularMaxBps":2299,"purchaseIntroAllBps":199,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":199,"purchaseIntroMaxBps":199,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":199,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":199,"balanceTransferIntroMaxBps":199,"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":null,"balanceTransferIntroNullReason":null,"purchaseRateType":"variable","variableRateIndex":"Prime Rate","annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":"not_offered","purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":"unknown","balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":"unknown","cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":"unknown","foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":"unknown","latePaymentFeeAmountCents":2500,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":null,"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":1374,"maxPurchaseAprBps":2299,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T16:50:36.999Z","sources":[{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"2a8919af21637fb26898d093197925ad","pageNumber":null,"quote":"**Introductory 1.99% Annual Percentage Rate (APR) is available on purchases and balance transfers for 12 billing cycles. Balance transfers must occur within the first three billing cycles of account opening to qualify for the introductory rate.\n            Balance transfers incur interest charges from the transaction date. After introductory period, your APR on purchases and balance transfers wil…","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:0"},{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"2a8919af21637fb26898d093197925ad","pageNumber":null,"quote":"**Introductory 1.99% Annual Percentage Rate (APR) is available on purchases and balance transfers for 12 billing cycles. Balance transfers must occur within the first three billing cycles of account opening to qualify for the introductory rate.\n            Balance transfers incur interest charges from the transaction date. After introductory period, your APR on purchases and balance transfers wil…","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:conditions"}],"purpose":"balance_transfer","phase":"introductory","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":null,"rateTypeNullReason":"not_disclosed","minimumBps":199,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":199,"maximumBpsNullReason":null,"indexName":null,"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":12,"durationBillingCyclesNullReason":null,"eligibilityConditions":"**Introductory 1.99% Annual Percentage Rate (APR) is available on purchases and balance transfers for 12 billing cycles. Balance transfers must occur within the first three billing cycles of account opening to qualify for the introductory rate.\n            Balance transfers incur interest charges from the transaction date. After introductory period, your APR on purchases and balance transfers will be a variable rate and may change based on Prime Rate, as of 9/27/25, rates are ","eligibilityConditionSources":[{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"2a8919af21637fb26898d093197925ad","pageNumber":null,"quote":"**Introductory 1.99% Annual Percentage Rate (APR) is available on purchases and balance transfers for 12 billing cycles. Balance transfers must occur within the first three billing cycles of account opening to qualify for the introductory rate.\n            Balance transfers incur interest charges from the transaction date. After introductory period, your APR on purchases and balance transfers wil…","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"2a8919af21637fb26898d093197925ad","pageNumber":null,"quote":"**Introductory 1.99% Annual Percentage Rate (APR) is available on purchases and balance transfers for 12 billing cycles. Balance transfers must occur within the first three billing cycles of account opening to qualify for the introductory rate.\n            Balance transfers incur interest charges from the transaction date. After introductory period, your APR on purchases and balance transfers wil…","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T16:50:36.999Z","sources":[{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"2a8919af21637fb26898d093197925ad","pageNumber":null,"quote":"**Introductory 1.99% Annual Percentage Rate (APR) is available on purchases and balance transfers for 12 billing cycles. Balance transfers must occur within the first three billing cycles of account opening to qualify for the introductory rate.\n            Balance transfers incur interest charges from the transaction date. After introductory period, your APR on purchases and balance transfers wil…","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"apr:purchase:introductory:all:0"},{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"2a8919af21637fb26898d093197925ad","pageNumber":null,"quote":"**Introductory 1.99% Annual Percentage Rate (APR) is available on purchases and balance transfers for 12 billing cycles. Balance transfers must occur within the first three billing cycles of account opening to qualify for the introductory rate.\n            Balance transfers incur interest charges from the transaction date. After introductory period, your APR on purchases and balance transfers wil…","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"apr:purchase:introductory:conditions"}],"purpose":"purchase","phase":"introductory","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":null,"rateTypeNullReason":"not_disclosed","minimumBps":199,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":199,"maximumBpsNullReason":null,"indexName":null,"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":12,"durationBillingCyclesNullReason":null,"eligibilityConditions":"**Introductory 1.99% Annual Percentage Rate (APR) is available on purchases and balance transfers for 12 billing cycles. Balance transfers must occur within the first three billing cycles of account opening to qualify for the introductory rate.\n            Balance transfers incur interest charges from the transaction date. After introductory period, your APR on purchases and balance transfers will be a variable rate and may change based on Prime Rate, as of 9/27/25, rates are ","eligibilityConditionSources":[{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"2a8919af21637fb26898d093197925ad","pageNumber":null,"quote":"**Introductory 1.99% Annual Percentage Rate (APR) is available on purchases and balance transfers for 12 billing cycles. Balance transfers must occur within the first three billing cycles of account opening to qualify for the introductory rate.\n            Balance transfers incur interest charges from the transaction date. After introductory period, your APR on purchases and balance transfers wil…","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"apr:purchase:introductory:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"2a8919af21637fb26898d093197925ad","pageNumber":null,"quote":"**Introductory 1.99% Annual Percentage Rate (APR) is available on purchases and balance transfers for 12 billing cycles. Balance transfers must occur within the first three billing cycles of account opening to qualify for the introductory rate.\n            Balance transfers incur interest charges from the transaction date. After introductory period, your APR on purchases and balance transfers wil…","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"apr:purchase:introductory:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T16:50:36.999Z","sources":[{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"3de23dd7f5bca1641e5a6f3195997591","pageNumber":null,"quote":"on purchases and balance transfers for 12 months, then a variable APR of 13.74% to 22.99%","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"},{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"bfc9ecab2485860bf1eb044f02798283","pageNumber":null,"quote":". Qualified rates vary based on credit history and underwriting factors. Not all applicants will qualify. To avoid paying interest on purchases, you must pay the entire balance by the due date, including transferred\n            balances under this promotion. For other fees that may apply, call","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"}],"purpose":"purchase","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1374,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":2299,"maximumBpsNullReason":null,"indexName":"Prime Rate","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":". Qualified rates vary based on credit history and underwriting factors. Not all applicants will qualify. To avoid paying interest on purchases, you must pay the entire balance by the due date, including transferred\n            balances under this promotion. For other fees that may apply, call ","eligibilityConditionSources":[{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"bfc9ecab2485860bf1eb044f02798283","pageNumber":null,"quote":". Qualified rates vary based on credit history and underwriting factors. Not all applicants will qualify. To avoid paying interest on purchases, you must pay the entire balance by the due date, including transferred\n            balances under this promotion. For other fees that may apply, call","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"}],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"3de23dd7f5bca1641e5a6f3195997591","pageNumber":null,"quote":"on purchases and balance transfers for 12 months, then a variable APR of 13.74% to 22.99%","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T16:50:36.999Z","sources":[{"snapshotId":"52092","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T05:36:33.061Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards","passageId":"e7980a3ffbd75cc4d15bf634736a55c3","pageNumber":null,"quote":"$0 Annual Fee**","recordId":"official-issuer:page:url:442f2fe4477f15f45fb48170e7d2bbc382a994d30c54bc4d567fe353bbbfe919","recordFields":[],"fieldKey":"annual_fee"},{"snapshotId":"53727","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:17.872Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/visa-credit-card-disclosure","passageId":"f9ecc826079254cc65ef35322e4d7d30","pageNumber":null,"quote":"None","recordId":"official-issuer:page:url:12c9eacc7f04a10acb99b57b7c93e5aabdafac70693c88baf4af1792de5cc818","recordFields":[],"fieldKey":"annual_fee"},{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"e9b167aa328a961b5720caf2b4fd4581","pageNumber":null,"quote":"No annual fee","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","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":"No annual fee"},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T16:50:17.872Z","sources":[{"snapshotId":"53727","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:17.872Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/visa-credit-card-disclosure","passageId":"e140ec1e0d18bb84fee9b627dd932f9d","pageNumber":null,"quote":"$25.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment.","recordId":"official-issuer:page:url:12c9eacc7f04a10acb99b57b7c93e5aabdafac70693c88baf4af1792de5cc818","recordFields":[],"fieldKey":"fee:late_payment:1"}],"feeType":"late_payment","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":2500,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":2500,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"lesser_of","explanation":"$25.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment."}],"cardTerms":null,"partialCardNetwork":{"network":"visa","sources":[{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"e7d7c603f34918d0e19e6ac095ea562b","pageNumber":null,"quote":"Cash Back Visa Signature® Card","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"network"}]},"partialCardMinimumFinanceCharge":{"minimumFinanceChargeCents":0,"currencyCode":"USD","sources":[{"snapshotId":"53727","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:17.872Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/visa-credit-card-disclosure","passageId":"3581e7d6d943274d1691e9ffd048b83d","pageNumber":null,"quote":"None","recordId":"official-issuer:page:url:12c9eacc7f04a10acb99b57b7c93e5aabdafac70693c88baf4af1792de5cc818","recordFields":[],"fieldKey":"minimum_finance_charge"}]},"signupBonuses":[],"cardRewards":[],"cashBenefits":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T16:50:36.999Z","sources":[{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"fa0b7b6f93320d58949fae4ee87c168f","pageNumber":null,"quote":"Unlimited 1.5% cash back*","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"card_cash_benefit"},{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"dd83f5708221a588d1f3db4b1221f130","pageNumber":null,"quote":"*Purchases do not include returned items for credit, balance transfers, cash advances and interest. There is no limit to the amount of cash back you can earn, if your account is open and in good standing. Cash back received will be automatically\n            deposited into your Savings (Share) Account each month.","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}],"benefitKey":"cashback","benefitKind":"cashback_earnings","percentBps":150,"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":"Unlimited 1.5% cash back*","qualificationConditions":"*Purchases do not include returned items for credit, balance transfers, cash advances and interest. There is no limit to the amount of cash back you can earn, if your account is open and in good standing. Cash back received will be automatically\n            deposited into your Savings (Share) Account each month. ","qualificationConditionSources":[{"snapshotId":"53728","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T16:50:36.999Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card","passageId":"dd83f5708221a588d1f3db4b1221f130","pageNumber":null,"quote":"*Purchases do not include returned items for credit, balance transfers, cash advances and interest. There is no limit to the amount of cash back you can earn, if your account is open and in good standing. Cash back received will be automatically\n            deposited into your Savings (Share) Account each month.","recordId":"official-issuer:page:url:75f99ebb8fa5c427d8dba3af10774a426b00ba0cf073ed8512c6a0d569cc0112","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}]},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T05:36:33.061Z","sources":[{"snapshotId":"52092","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T05:36:33.061Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards","passageId":"8e20697ecceacc8d4c77cf8fa51ace97","pageNumber":null,"quote":"1.5% cash back","recordId":"official-issuer:page:url:442f2fe4477f15f45fb48170e7d2bbc382a994d30c54bc4d567fe353bbbfe919","recordFields":[],"fieldKey":"card_cash_benefit"},{"snapshotId":"52092","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T05:36:33.061Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards","passageId":"9d9dc5d94816eebc88963ff552c5cabc","pageNumber":null,"quote":"on all purchases*","recordId":"official-issuer:page:url:442f2fe4477f15f45fb48170e7d2bbc382a994d30c54bc4d567fe353bbbfe919","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}],"benefitKey":"cashback-122-150","benefitKind":"cashback_earnings","percentBps":150,"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":"1.5% cash back ","qualificationConditions":"on all purchases*","qualificationConditionSources":[{"snapshotId":"52092","sourceKind":"official_issuer","publisherName":"GEORGIA UNITED","capturedAt":"2026-10-14T05:36:33.061Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://gucu.org/borrow/credit-cards","passageId":"9d9dc5d94816eebc88963ff552c5cabc","pageNumber":null,"quote":"on all purchases*","recordId":"official-issuer:page:url:442f2fe4477f15f45fb48170e7d2bbc382a994d30c54bc4d567fe353bbbfe919","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}]}],"cardLinks":[],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[]}}