{"data":{"path":"guardians-credit-union/smart-rewards","artwork":null,"name":"Smart Rewards","officialName":"Smart Rewards","type":"credit_card","audience":"consumer","lifecycleStatus":"active","owner":{"name":"Guardians Credit Union","handle":"guardians-credit-union"},"institution":{"name":"Guardians Credit Union","handle":"guardians-credit-union"},"actualIssuerName":null,"standardOffer":{"id":"2995","offerKind":"standard","channel":null,"nameAsFiled":"Smart Rewards","handle":null,"terms":{"productId":"4179","path":"guardians-credit-union/smart-rewards","name":"Smart Rewards","officialName":"Smart Rewards","aliases":[],"institutionId":"76283","institutionName":"Guardians Credit Union","institutionHandle":"guardians-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":0,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":null,"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":"2026-10-14T13:16:33.208Z","sources":[{"snapshotId":"53089","sourceKind":"official_issuer","publisherName":"GUARDIANS","capturedAt":"2026-10-14T13:16:33.208Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.guardianscu.coop/personal/loans/credit-cards/","passageId":"507bb696061ea6d863d514dd5ee7976e","pageNumber":null,"quote":"No annual fees","recordId":"official-issuer:page:url:05faaa0484663f672f9202eb6efa0355ee70afc41f98cec93d40a0956c0d6ae9","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 fees"},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T13:16:33.208Z","sources":[{"snapshotId":"53089","sourceKind":"official_issuer","publisherName":"GUARDIANS","capturedAt":"2026-10-14T13:16:33.208Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.guardianscu.coop/personal/loans/credit-cards/","passageId":"6e77ce0b0e6b5e8fc8e7d2f74070e7d7","pageNumber":null,"quote":"No balance transfer fees","recordId":"official-issuer:page:url:05faaa0484663f672f9202eb6efa0355ee70afc41f98cec93d40a0956c0d6ae9","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 fees"},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T13:16:33.208Z","sources":[{"snapshotId":"53089","sourceKind":"official_issuer","publisherName":"GUARDIANS","capturedAt":"2026-10-14T13:16:33.208Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.guardianscu.coop/personal/loans/credit-cards/","passageId":"b90ac9e005d1076d990949d4489907b4","pageNumber":null,"quote":"No over credit limit fees","recordId":"official-issuer:page:url:05faaa0484663f672f9202eb6efa0355ee70afc41f98cec93d40a0956c0d6ae9","recordFields":[],"fieldKey":"fee:over_limit:1"}],"feeType":"over_limit","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 over credit limit fees"}],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T13:16:33.208Z","sources":[{"snapshotId":"53089","sourceKind":"official_issuer","publisherName":"GUARDIANS","capturedAt":"2026-10-14T13:16:33.208Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.guardianscu.coop/personal/loans/credit-cards/","passageId":"098ef87ccad10bebc4d3f9883a448160","pageNumber":null,"quote":"Smart Rewards — You will automatically earn 1.50% cash back on qualifying net purchases (purchase less any credits, returns and adjustments). You may also redeem them for gift cards or merchandise. Cash advances, balance transfers and checks used to access your account are not considered purchases and will not earn rewards. For point expiration see program documentation for details.","recordId":"official-issuer:page:url:05faaa0484663f672f9202eb6efa0355ee70afc41f98cec93d40a0956c0d6ae9","recordFields":[],"fieldKey":"card_cash_benefit"}],"benefitKey":"cashback-69","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":"Smart Rewards — You will automatically earn 1.50% cash back on qualifying net purchases (purchase less any credits, returns and adjustments). You may also redeem them for gift cards or merchandise. Cash advances, balance transfers and checks used to access your account are not considered purchases and will not earn rewards. For point expiration see program documentation for details.\n","qualificationConditions":null,"qualificationConditionSources":[]}],"cardLinks":[],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]},"offers":[{"id":"2995","offerKind":"standard","channel":null,"nameAsFiled":"Smart Rewards","handle":null,"terms":{"productId":"4179","path":"guardians-credit-union/smart-rewards","name":"Smart Rewards","officialName":"Smart Rewards","aliases":[],"institutionId":"76283","institutionName":"Guardians Credit Union","institutionHandle":"guardians-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":0,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":null,"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":"2026-10-14T13:16:33.208Z","sources":[{"snapshotId":"53089","sourceKind":"official_issuer","publisherName":"GUARDIANS","capturedAt":"2026-10-14T13:16:33.208Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.guardianscu.coop/personal/loans/credit-cards/","passageId":"507bb696061ea6d863d514dd5ee7976e","pageNumber":null,"quote":"No annual fees","recordId":"official-issuer:page:url:05faaa0484663f672f9202eb6efa0355ee70afc41f98cec93d40a0956c0d6ae9","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 fees"},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T13:16:33.208Z","sources":[{"snapshotId":"53089","sourceKind":"official_issuer","publisherName":"GUARDIANS","capturedAt":"2026-10-14T13:16:33.208Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.guardianscu.coop/personal/loans/credit-cards/","passageId":"6e77ce0b0e6b5e8fc8e7d2f74070e7d7","pageNumber":null,"quote":"No balance transfer fees","recordId":"official-issuer:page:url:05faaa0484663f672f9202eb6efa0355ee70afc41f98cec93d40a0956c0d6ae9","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 fees"},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T13:16:33.208Z","sources":[{"snapshotId":"53089","sourceKind":"official_issuer","publisherName":"GUARDIANS","capturedAt":"2026-10-14T13:16:33.208Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.guardianscu.coop/personal/loans/credit-cards/","passageId":"b90ac9e005d1076d990949d4489907b4","pageNumber":null,"quote":"No over credit limit fees","recordId":"official-issuer:page:url:05faaa0484663f672f9202eb6efa0355ee70afc41f98cec93d40a0956c0d6ae9","recordFields":[],"fieldKey":"fee:over_limit:1"}],"feeType":"over_limit","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 over credit limit fees"}],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T13:16:33.208Z","sources":[{"snapshotId":"53089","sourceKind":"official_issuer","publisherName":"GUARDIANS","capturedAt":"2026-10-14T13:16:33.208Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.guardianscu.coop/personal/loans/credit-cards/","passageId":"098ef87ccad10bebc4d3f9883a448160","pageNumber":null,"quote":"Smart Rewards — You will automatically earn 1.50% cash back on qualifying net purchases (purchase less any credits, returns and adjustments). You may also redeem them for gift cards or merchandise. Cash advances, balance transfers and checks used to access your account are not considered purchases and will not earn rewards. For point expiration see program documentation for details.","recordId":"official-issuer:page:url:05faaa0484663f672f9202eb6efa0355ee70afc41f98cec93d40a0956c0d6ae9","recordFields":[],"fieldKey":"card_cash_benefit"}],"benefitKey":"cashback-69","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":"Smart Rewards — You will automatically earn 1.50% cash back on qualifying net purchases (purchase less any credits, returns and adjustments). You may also redeem them for gift cards or merchandise. Cash advances, balance transfers and checks used to access your account are not considered purchases and will not earn rewards. For point expiration see program documentation for details.\n","qualificationConditions":null,"qualificationConditionSources":[]}],"cardLinks":[],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[]}}