{"data":{"path":"hudson-valley-credit-union/visa-platinum-rewards","artwork":null,"name":"Visa® Platinum Rewards","officialName":"Visa® Platinum Rewards","type":"credit_card","audience":"consumer","lifecycleStatus":"active","owner":{"name":"Hudson Valley Credit Union","handle":"hudson-valley-credit-union"},"institution":{"name":"Hudson Valley Credit Union","handle":"hudson-valley-credit-union"},"actualIssuerName":null,"standardOffer":{"id":"2657","offerKind":"standard","channel":null,"nameAsFiled":"Visa® Platinum Rewards","handle":null,"terms":{"productId":"3841","path":"hudson-valley-credit-union/visa-platinum-rewards","name":"Visa® Platinum Rewards","officialName":"Visa® Platinum Rewards","aliases":[],"institutionId":"74679","institutionName":"Hudson Valley Credit Union","institutionHandle":"hudson-valley-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":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":1575,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":1575,"purchaseRegularMaxBps":1800,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":1575,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":1575,"balanceTransferRegularMaxBps":1800,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":1575,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":1575,"cashAdvanceRegularMaxBps":1800,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":"unknown","balanceTransferIntroNullReason":"unknown","purchaseRateType":"variable","variableRateIndex":"Prime","annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":"not_offered","purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":"unknown","balanceTransferFeeAmountCents":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":1575,"maxPurchaseAprBps":1800,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T19:18:10.490Z","sources":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"1c42172b95e10d48601dd92fbf30dbfd","pageNumber":null,"quote":"15.75% to 18.00%","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"},{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"1c42172b95e10d48601dd92fbf30dbfd","pageNumber":null,"quote":"15.75% to 18.00%","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"apr:balance_transfer:regular:conditions"}],"purpose":"balance_transfer","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1575,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":1800,"maximumBpsNullReason":null,"indexName":"Prime","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":"15.75% to 18.00%","eligibilityConditionSources":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"1c42172b95e10d48601dd92fbf30dbfd","pageNumber":null,"quote":"15.75% to 18.00%","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"apr:balance_transfer:regular:conditions"}],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"1c42172b95e10d48601dd92fbf30dbfd","pageNumber":null,"quote":"15.75% to 18.00%","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T19:18:10.490Z","sources":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"349847ba87f8db8474f67316a4f623ce","pageNumber":null,"quote":"15.75% to 18.00%","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"},{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"349847ba87f8db8474f67316a4f623ce","pageNumber":null,"quote":"15.75% to 18.00%","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"apr:cash_advance:regular:conditions"}],"purpose":"cash_advance","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1575,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":1800,"maximumBpsNullReason":null,"indexName":"Prime","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":"15.75% to 18.00%","eligibilityConditionSources":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"349847ba87f8db8474f67316a4f623ce","pageNumber":null,"quote":"15.75% to 18.00%","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"apr:cash_advance:regular:conditions"}],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"349847ba87f8db8474f67316a4f623ce","pageNumber":null,"quote":"15.75% to 18.00%","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T19:18:10.490Z","sources":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"a91250505d9ab307969a5b4a09fded4c","pageNumber":null,"quote":"15.75% to 18.00%","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"},{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"a91250505d9ab307969a5b4a09fded4c","pageNumber":null,"quote":"15.75% to 18.00%","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"}],"purpose":"purchase","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1575,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":1800,"maximumBpsNullReason":null,"indexName":"Prime","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":"15.75% to 18.00%","eligibilityConditionSources":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"a91250505d9ab307969a5b4a09fded4c","pageNumber":null,"quote":"15.75% to 18.00%","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"}],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"a91250505d9ab307969a5b4a09fded4c","pageNumber":null,"quote":"15.75% to 18.00%","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-14T13:54:43.741Z","sources":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"346504a435480eebdf9aba56538c6968","pageNumber":null,"quote":"$0 annual fee","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"annual_fee"},{"snapshotId":"53205","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-14T13:53:49.339Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/account-opening-disclosure/","passageId":"ea7cce384e7b78a0d0b5210baafff04a","pageNumber":null,"quote":"$0","recordId":"official-issuer:page:url:5df851aa10a9e533d27658d68235606388d09d6154378fc6fae0da7d0bfc4ce3","recordFields":[],"fieldKey":"annual_fee"},{"snapshotId":"53208","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-14T13:54:43.741Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/visa-platinum-rewards-credit-card/","passageId":"c753284c183c3fbfe2f7c0c7c20ba34a","pageNumber":null,"quote":"$0 annual fee","recordId":"official-issuer:page:url:798b7e5c7ba2502dc7bbf94c03de1adaf60ccb7d844dabbd6348f3dcb378bd58","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":"$0 annual fee"},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T13:53:49.339Z","sources":[{"snapshotId":"53205","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-14T13:53:49.339Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/account-opening-disclosure/","passageId":"76a4c8abd6cd76be9abccddadcc4de93","pageNumber":null,"quote":"$25","recordId":"official-issuer:page:url:5df851aa10a9e533d27658d68235606388d09d6154378fc6fae0da7d0bfc4ce3","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":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":"$25"}],"cardTerms":null,"partialCardNetwork":{"network":"visa","sources":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"0f8e5c175a60aaca45c5e0624abb1c35","pageNumber":null,"quote":"Visa® Platinum Rewards","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"network"},{"snapshotId":"53208","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-14T13:54:43.741Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/visa-platinum-rewards-credit-card/","passageId":"faa2cbb903ff4da2f39c1e52f3ac5c24","pageNumber":null,"quote":"Visa Platinum Rewards Credit Card","recordId":"official-issuer:page:url:798b7e5c7ba2502dc7bbf94c03de1adaf60ccb7d844dabbd6348f3dcb378bd58","recordFields":[],"fieldKey":"network"}]},"signupBonuses":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T13:54:43.741Z","sources":[{"snapshotId":"53208","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-14T13:54:43.741Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/visa-platinum-rewards-credit-card/","passageId":"b1f32819ca8c3c4705350216c82054d4","pageNumber":null,"quote":"You will receive 12,000 bonus points if you make $3,000 or more signature-based purchases within the first three months of opening an HVCU Visa Platinum Rewards Credit Card. “Purchases” do not include balance transfers or cash advances. All other HVCU credit cards are excluded from this offer. After qualifying, please allow 4-6 weeks for bonus points to post to your account. Limit one bonus point…","recordId":"official-issuer:page:url:798b7e5c7ba2502dc7bbf94c03de1adaf60ccb7d844dabbd6348f3dcb378bd58","recordFields":[],"fieldKey":"signup_bonus"}],"bonusKey":"signup_bonus","qualifyingMonthsAfterAccountOpening":3,"qualifyingMonthsNullReason":null,"payoutWeeksMinimum":null,"payoutWeeksMaximum":null,"payoutWeeksNullReason":"not_applicable","payoutWeeksAnchor":null,"bonusPoints":12000,"minimumPurchaseCents":300000,"minimumPurchaseNullReason":null,"qualifyingDaysAfterAccountOpening":null,"qualifyingDaysNullReason":"not_applicable","statementCreditRedemptionCents":null,"statementCreditRedemptionNullReason":"not_disclosed","payoutStatementCyclesMinimum":null,"payoutStatementCyclesMaximum":null,"payoutStatementCyclesNullReason":"not_disclosed","expirationOn":null,"expirationNullReason":"not_disclosed","conditions":"You will receive 12,000 bonus points if you make $3,000 or more signature-based purchases within the first three months of opening an HVCU Visa Platinum Rewards Credit Card. “Purchases” do not include balance transfers or cash advances. All other HVCU credit cards are excluded from this offer. After qualifying, please allow 4-6 weeks for bonus points to post to your account. Limit one bonus point offer per credit line. Your account must be open and in good standing (not over-the-limit or past due) to earn or redeem points.","qualificationConditions":[],"qualificationConditionSources":[]}],"cardRewards":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T13:54:43.741Z","sources":[{"snapshotId":"53208","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-14T13:54:43.741Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/visa-platinum-rewards-credit-card/","passageId":"7ef66469f946eb32e68f134f84e6da7b","pageNumber":null,"quote":"Earn 1 point for every $1 spent.","recordId":"official-issuer:page:url:798b7e5c7ba2502dc7bbf94c03de1adaf60ccb7d844dabbd6348f3dcb378bd58","recordFields":[],"fieldKey":"card_reward"}],"groupKey":"purchase-rewards","tierKey":"purchase-points","groupLabel":"Earn 1 point for every $1 spent. ","pointsPerDollar":1,"merchantCategoryCodes":[],"merchantCategoryCodesNullReason":"not_disclosed","categoryComplement":false,"redemptionOptions":[],"minimumQualifyingPurchaseCents":null,"minimumPurchaseNullReason":"not_disclosed","maximumQualifyingPurchaseCents":null,"maximumPurchaseNullReason":"not_disclosed","qualificationPeriod":null,"qualificationPeriodNullReason":"not_disclosed","pointsPostingMaximumDays":null,"pointsPostingNullReason":"not_disclosed","pointsExpirationYears":null,"pointsExpirationAnchor":null,"pointsExpirationPolicy":null,"pointsRedemptionDaysAfterClosure":null,"pointsRedemptionAfterClosureNullReason":"not_disclosed","pointsExpirationNullReason":"not_disclosed","redemptionOptionsNullReason":"not_disclosed","conditions":"Earn 1 point for every $1 spent. ","qualificationConditions":[],"qualificationConditionSources":[]},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T19:18:10.490Z","sources":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"fae1c4333ba67cdd6156a488998b56cc","pageNumber":null,"quote":"Get 1 point for every dollar spent","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"card_reward"},{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"274c7f6472e5b5a1b748fdd48e03f76f","pageNumber":null,"quote":"You will receive 12,000 bonus points if you make $3,000 or more signature-based purchases within the first three months of opening an HVCU Visa Platinum Rewards Credit Card. “Purchases” do not include balance transfers or cash advances. All other HVCU credit cards are excluded from this offer. After qualifying, please allow 4-6 weeks for bonus points to post to your account. Limit one bonus point…","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"card_reward:qualification:0"}],"groupKey":"purchases","tierKey":"base","groupLabel":"Purchases","pointsPerDollar":1,"merchantCategoryCodes":[],"merchantCategoryCodesNullReason":"not_disclosed","categoryComplement":false,"redemptionOptions":[],"minimumQualifyingPurchaseCents":null,"minimumPurchaseNullReason":"not_disclosed","maximumQualifyingPurchaseCents":null,"maximumPurchaseNullReason":"not_disclosed","qualificationPeriod":null,"qualificationPeriodNullReason":"not_disclosed","pointsPostingMaximumDays":null,"pointsPostingNullReason":"not_disclosed","pointsExpirationYears":null,"pointsExpirationAnchor":null,"pointsExpirationPolicy":null,"pointsRedemptionDaysAfterClosure":null,"pointsRedemptionAfterClosureNullReason":"not_disclosed","pointsExpirationNullReason":"not_disclosed","redemptionOptionsNullReason":"not_disclosed","conditions":"Get 1 point for every dollar spent","qualificationConditions":["You will receive 12,000 bonus points if you make $3,000 or more signature-based purchases within the first three months of opening an HVCU Visa Platinum Rewards Credit Card. “Purchases” do not include balance transfers or cash advances. All other HVCU credit cards are excluded from this offer. After qualifying, please allow 4-6 weeks for bonus points to post to your account. Limit one bonus point offer per credit line. Your account must be open and in good standing (not over-the-limit or past due) to earn or redeem points."],"qualificationConditionSources":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"274c7f6472e5b5a1b748fdd48e03f76f","pageNumber":null,"quote":"You will receive 12,000 bonus points if you make $3,000 or more signature-based purchases within the first three months of opening an HVCU Visa Platinum Rewards Credit Card. “Purchases” do not include balance transfers or cash advances. All other HVCU credit cards are excluded from this offer. After qualifying, please allow 4-6 weeks for bonus points to post to your account. Limit one bonus point…","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"card_reward:qualification:0"}]}],"cashBenefits":[],"cardLinks":[{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T19:18:10.490Z","sources":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"726943bde2e0a65736dccd08dbc968ca","pageNumber":null,"quote":"APPLY ONLINE","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"card_link"}],"linkKey":"application","linkKind":"application","url":"https://www.hvcu.org/personal/bank/credit-cards/#lightbox-2","label":"APPLY ONLINE"},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T19:18:10.490Z","sources":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"e7c403b3eed767561f1839ce8d1a211c","pageNumber":null,"quote":"View Important Rates and Disclosures","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"card_link"}],"linkKey":"account-opening-disclosure","linkKind":"disclosure","url":"https://www.hvcu.org/personal/bank/credit-cards/account-opening-disclosure/","label":"View Important Rates and Disclosures"}],"cardWithholdings":[{"observationKind":"card_apr","fieldKey":"unparsed-apr-322","reason":"unparsed_value","detail":"Stated effective date is written in calendar words, not a literal ISO date; capture timestamp is absent.","sources":[{"snapshotId":"53205","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-14T13:53:49.339Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/account-opening-disclosure/","passageId":"4819b1e80587a709f251c425e811f21d","pageNumber":null,"quote":"Credit Card Rates Effective September 1, 2026","recordId":"official-issuer:page:url:5df851aa10a9e533d27658d68235606388d09d6154378fc6fae0da7d0bfc4ce3","recordFields":[],"fieldKey":"withheld:card_apr:unparsed-apr-322"}]},{"observationKind":"card_signup_bonus","fieldKey":"bonus-payout-timing","reason":"unparsed_value","detail":"The source states 4–6 weeks after qualifying. The schema supports only a qualification-period-end week anchor, which this source does not state; retain the passage without assigning that anchor.","sources":[{"snapshotId":"53208","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-14T13:54:43.741Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/visa-platinum-rewards-credit-card/","passageId":"b1f32819ca8c3c4705350216c82054d4","pageNumber":null,"quote":"You will receive 12,000 bonus points if you make $3,000 or more signature-based purchases within the first three months of opening an HVCU Visa Platinum Rewards Credit Card. “Purchases” do not include balance transfers or cash advances. All other HVCU credit cards are excluded from this offer. After qualifying, please allow 4-6 weeks for bonus points to post to your account. Limit one bonus point…","recordId":"official-issuer:page:url:798b7e5c7ba2502dc7bbf94c03de1adaf60ccb7d844dabbd6348f3dcb378bd58","recordFields":[],"fieldKey":"withheld:card_signup_bonus:bonus-payout-timing"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]},"offers":[{"id":"2657","offerKind":"standard","channel":null,"nameAsFiled":"Visa® Platinum Rewards","handle":null,"terms":{"productId":"3841","path":"hudson-valley-credit-union/visa-platinum-rewards","name":"Visa® Platinum Rewards","officialName":"Visa® Platinum Rewards","aliases":[],"institutionId":"74679","institutionName":"Hudson Valley Credit Union","institutionHandle":"hudson-valley-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":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":1575,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":1575,"purchaseRegularMaxBps":1800,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":1575,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":1575,"balanceTransferRegularMaxBps":1800,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":1575,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":1575,"cashAdvanceRegularMaxBps":1800,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":"unknown","balanceTransferIntroNullReason":"unknown","purchaseRateType":"variable","variableRateIndex":"Prime","annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":"not_offered","purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":"unknown","balanceTransferFeeAmountCents":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":1575,"maxPurchaseAprBps":1800,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T19:18:10.490Z","sources":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"1c42172b95e10d48601dd92fbf30dbfd","pageNumber":null,"quote":"15.75% to 18.00%","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"},{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"1c42172b95e10d48601dd92fbf30dbfd","pageNumber":null,"quote":"15.75% to 18.00%","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"apr:balance_transfer:regular:conditions"}],"purpose":"balance_transfer","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1575,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":1800,"maximumBpsNullReason":null,"indexName":"Prime","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":"15.75% to 18.00%","eligibilityConditionSources":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"1c42172b95e10d48601dd92fbf30dbfd","pageNumber":null,"quote":"15.75% to 18.00%","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"apr:balance_transfer:regular:conditions"}],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"1c42172b95e10d48601dd92fbf30dbfd","pageNumber":null,"quote":"15.75% to 18.00%","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T19:18:10.490Z","sources":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"349847ba87f8db8474f67316a4f623ce","pageNumber":null,"quote":"15.75% to 18.00%","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"},{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"349847ba87f8db8474f67316a4f623ce","pageNumber":null,"quote":"15.75% to 18.00%","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"apr:cash_advance:regular:conditions"}],"purpose":"cash_advance","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1575,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":1800,"maximumBpsNullReason":null,"indexName":"Prime","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":"15.75% to 18.00%","eligibilityConditionSources":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"349847ba87f8db8474f67316a4f623ce","pageNumber":null,"quote":"15.75% to 18.00%","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"apr:cash_advance:regular:conditions"}],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"349847ba87f8db8474f67316a4f623ce","pageNumber":null,"quote":"15.75% to 18.00%","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T19:18:10.490Z","sources":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"a91250505d9ab307969a5b4a09fded4c","pageNumber":null,"quote":"15.75% to 18.00%","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"},{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"a91250505d9ab307969a5b4a09fded4c","pageNumber":null,"quote":"15.75% to 18.00%","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"}],"purpose":"purchase","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1575,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":1800,"maximumBpsNullReason":null,"indexName":"Prime","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":"15.75% to 18.00%","eligibilityConditionSources":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"a91250505d9ab307969a5b4a09fded4c","pageNumber":null,"quote":"15.75% to 18.00%","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"}],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"a91250505d9ab307969a5b4a09fded4c","pageNumber":null,"quote":"15.75% to 18.00%","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-14T13:54:43.741Z","sources":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"346504a435480eebdf9aba56538c6968","pageNumber":null,"quote":"$0 annual fee","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"annual_fee"},{"snapshotId":"53205","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-14T13:53:49.339Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/account-opening-disclosure/","passageId":"ea7cce384e7b78a0d0b5210baafff04a","pageNumber":null,"quote":"$0","recordId":"official-issuer:page:url:5df851aa10a9e533d27658d68235606388d09d6154378fc6fae0da7d0bfc4ce3","recordFields":[],"fieldKey":"annual_fee"},{"snapshotId":"53208","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-14T13:54:43.741Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/visa-platinum-rewards-credit-card/","passageId":"c753284c183c3fbfe2f7c0c7c20ba34a","pageNumber":null,"quote":"$0 annual fee","recordId":"official-issuer:page:url:798b7e5c7ba2502dc7bbf94c03de1adaf60ccb7d844dabbd6348f3dcb378bd58","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":"$0 annual fee"},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T13:53:49.339Z","sources":[{"snapshotId":"53205","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-14T13:53:49.339Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/account-opening-disclosure/","passageId":"76a4c8abd6cd76be9abccddadcc4de93","pageNumber":null,"quote":"$25","recordId":"official-issuer:page:url:5df851aa10a9e533d27658d68235606388d09d6154378fc6fae0da7d0bfc4ce3","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":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":"$25"}],"cardTerms":null,"partialCardNetwork":{"network":"visa","sources":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"0f8e5c175a60aaca45c5e0624abb1c35","pageNumber":null,"quote":"Visa® Platinum Rewards","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"network"},{"snapshotId":"53208","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-14T13:54:43.741Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/visa-platinum-rewards-credit-card/","passageId":"faa2cbb903ff4da2f39c1e52f3ac5c24","pageNumber":null,"quote":"Visa Platinum Rewards Credit Card","recordId":"official-issuer:page:url:798b7e5c7ba2502dc7bbf94c03de1adaf60ccb7d844dabbd6348f3dcb378bd58","recordFields":[],"fieldKey":"network"}]},"signupBonuses":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T13:54:43.741Z","sources":[{"snapshotId":"53208","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-14T13:54:43.741Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/visa-platinum-rewards-credit-card/","passageId":"b1f32819ca8c3c4705350216c82054d4","pageNumber":null,"quote":"You will receive 12,000 bonus points if you make $3,000 or more signature-based purchases within the first three months of opening an HVCU Visa Platinum Rewards Credit Card. “Purchases” do not include balance transfers or cash advances. All other HVCU credit cards are excluded from this offer. After qualifying, please allow 4-6 weeks for bonus points to post to your account. Limit one bonus point…","recordId":"official-issuer:page:url:798b7e5c7ba2502dc7bbf94c03de1adaf60ccb7d844dabbd6348f3dcb378bd58","recordFields":[],"fieldKey":"signup_bonus"}],"bonusKey":"signup_bonus","qualifyingMonthsAfterAccountOpening":3,"qualifyingMonthsNullReason":null,"payoutWeeksMinimum":null,"payoutWeeksMaximum":null,"payoutWeeksNullReason":"not_applicable","payoutWeeksAnchor":null,"bonusPoints":12000,"minimumPurchaseCents":300000,"minimumPurchaseNullReason":null,"qualifyingDaysAfterAccountOpening":null,"qualifyingDaysNullReason":"not_applicable","statementCreditRedemptionCents":null,"statementCreditRedemptionNullReason":"not_disclosed","payoutStatementCyclesMinimum":null,"payoutStatementCyclesMaximum":null,"payoutStatementCyclesNullReason":"not_disclosed","expirationOn":null,"expirationNullReason":"not_disclosed","conditions":"You will receive 12,000 bonus points if you make $3,000 or more signature-based purchases within the first three months of opening an HVCU Visa Platinum Rewards Credit Card. “Purchases” do not include balance transfers or cash advances. All other HVCU credit cards are excluded from this offer. After qualifying, please allow 4-6 weeks for bonus points to post to your account. Limit one bonus point offer per credit line. Your account must be open and in good standing (not over-the-limit or past due) to earn or redeem points.","qualificationConditions":[],"qualificationConditionSources":[]}],"cardRewards":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T13:54:43.741Z","sources":[{"snapshotId":"53208","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-14T13:54:43.741Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/visa-platinum-rewards-credit-card/","passageId":"7ef66469f946eb32e68f134f84e6da7b","pageNumber":null,"quote":"Earn 1 point for every $1 spent.","recordId":"official-issuer:page:url:798b7e5c7ba2502dc7bbf94c03de1adaf60ccb7d844dabbd6348f3dcb378bd58","recordFields":[],"fieldKey":"card_reward"}],"groupKey":"purchase-rewards","tierKey":"purchase-points","groupLabel":"Earn 1 point for every $1 spent. ","pointsPerDollar":1,"merchantCategoryCodes":[],"merchantCategoryCodesNullReason":"not_disclosed","categoryComplement":false,"redemptionOptions":[],"minimumQualifyingPurchaseCents":null,"minimumPurchaseNullReason":"not_disclosed","maximumQualifyingPurchaseCents":null,"maximumPurchaseNullReason":"not_disclosed","qualificationPeriod":null,"qualificationPeriodNullReason":"not_disclosed","pointsPostingMaximumDays":null,"pointsPostingNullReason":"not_disclosed","pointsExpirationYears":null,"pointsExpirationAnchor":null,"pointsExpirationPolicy":null,"pointsRedemptionDaysAfterClosure":null,"pointsRedemptionAfterClosureNullReason":"not_disclosed","pointsExpirationNullReason":"not_disclosed","redemptionOptionsNullReason":"not_disclosed","conditions":"Earn 1 point for every $1 spent. ","qualificationConditions":[],"qualificationConditionSources":[]},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T19:18:10.490Z","sources":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"fae1c4333ba67cdd6156a488998b56cc","pageNumber":null,"quote":"Get 1 point for every dollar spent","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"card_reward"},{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"274c7f6472e5b5a1b748fdd48e03f76f","pageNumber":null,"quote":"You will receive 12,000 bonus points if you make $3,000 or more signature-based purchases within the first three months of opening an HVCU Visa Platinum Rewards Credit Card. “Purchases” do not include balance transfers or cash advances. All other HVCU credit cards are excluded from this offer. After qualifying, please allow 4-6 weeks for bonus points to post to your account. Limit one bonus point…","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"card_reward:qualification:0"}],"groupKey":"purchases","tierKey":"base","groupLabel":"Purchases","pointsPerDollar":1,"merchantCategoryCodes":[],"merchantCategoryCodesNullReason":"not_disclosed","categoryComplement":false,"redemptionOptions":[],"minimumQualifyingPurchaseCents":null,"minimumPurchaseNullReason":"not_disclosed","maximumQualifyingPurchaseCents":null,"maximumPurchaseNullReason":"not_disclosed","qualificationPeriod":null,"qualificationPeriodNullReason":"not_disclosed","pointsPostingMaximumDays":null,"pointsPostingNullReason":"not_disclosed","pointsExpirationYears":null,"pointsExpirationAnchor":null,"pointsExpirationPolicy":null,"pointsRedemptionDaysAfterClosure":null,"pointsRedemptionAfterClosureNullReason":"not_disclosed","pointsExpirationNullReason":"not_disclosed","redemptionOptionsNullReason":"not_disclosed","conditions":"Get 1 point for every dollar spent","qualificationConditions":["You will receive 12,000 bonus points if you make $3,000 or more signature-based purchases within the first three months of opening an HVCU Visa Platinum Rewards Credit Card. “Purchases” do not include balance transfers or cash advances. All other HVCU credit cards are excluded from this offer. After qualifying, please allow 4-6 weeks for bonus points to post to your account. Limit one bonus point offer per credit line. Your account must be open and in good standing (not over-the-limit or past due) to earn or redeem points."],"qualificationConditionSources":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"274c7f6472e5b5a1b748fdd48e03f76f","pageNumber":null,"quote":"You will receive 12,000 bonus points if you make $3,000 or more signature-based purchases within the first three months of opening an HVCU Visa Platinum Rewards Credit Card. “Purchases” do not include balance transfers or cash advances. All other HVCU credit cards are excluded from this offer. After qualifying, please allow 4-6 weeks for bonus points to post to your account. Limit one bonus point…","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"card_reward:qualification:0"}]}],"cashBenefits":[],"cardLinks":[{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T19:18:10.490Z","sources":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"726943bde2e0a65736dccd08dbc968ca","pageNumber":null,"quote":"APPLY ONLINE","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"card_link"}],"linkKey":"application","linkKind":"application","url":"https://www.hvcu.org/personal/bank/credit-cards/#lightbox-2","label":"APPLY ONLINE"},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T19:18:10.490Z","sources":[{"snapshotId":"51184","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-13T19:18:10.490Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/","passageId":"e7c403b3eed767561f1839ce8d1a211c","pageNumber":null,"quote":"View Important Rates and Disclosures","recordId":"official-issuer:page:url:983e6f24584c5807ec4339747cbaa40f85a9f7c773ccfbf6a0707a15383c0dcd","recordFields":[],"fieldKey":"card_link"}],"linkKey":"account-opening-disclosure","linkKind":"disclosure","url":"https://www.hvcu.org/personal/bank/credit-cards/account-opening-disclosure/","label":"View Important Rates and Disclosures"}],"cardWithholdings":[{"observationKind":"card_apr","fieldKey":"unparsed-apr-322","reason":"unparsed_value","detail":"Stated effective date is written in calendar words, not a literal ISO date; capture timestamp is absent.","sources":[{"snapshotId":"53205","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-14T13:53:49.339Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/account-opening-disclosure/","passageId":"4819b1e80587a709f251c425e811f21d","pageNumber":null,"quote":"Credit Card Rates Effective September 1, 2026","recordId":"official-issuer:page:url:5df851aa10a9e533d27658d68235606388d09d6154378fc6fae0da7d0bfc4ce3","recordFields":[],"fieldKey":"withheld:card_apr:unparsed-apr-322"}]},{"observationKind":"card_signup_bonus","fieldKey":"bonus-payout-timing","reason":"unparsed_value","detail":"The source states 4–6 weeks after qualifying. The schema supports only a qualification-period-end week anchor, which this source does not state; retain the passage without assigning that anchor.","sources":[{"snapshotId":"53208","sourceKind":"official_issuer","publisherName":"HUDSON VALLEY","capturedAt":"2026-10-14T13:54:43.741Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.hvcu.org/personal/bank/credit-cards/visa-platinum-rewards-credit-card/","passageId":"b1f32819ca8c3c4705350216c82054d4","pageNumber":null,"quote":"You will receive 12,000 bonus points if you make $3,000 or more signature-based purchases within the first three months of opening an HVCU Visa Platinum Rewards Credit Card. “Purchases” do not include balance transfers or cash advances. All other HVCU credit cards are excluded from this offer. After qualifying, please allow 4-6 weeks for bonus points to post to your account. Limit one bonus point…","recordId":"official-issuer:page:url:798b7e5c7ba2502dc7bbf94c03de1adaf60ccb7d844dabbd6348f3dcb378bd58","recordFields":[],"fieldKey":"withheld:card_signup_bonus:bonus-payout-timing"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[{"snapshotId":"48660","path":"hudson-valley-credit-union/visa-disclosure","title":"Visa Disclosure","documentType":"official_issuer_agreement","effectiveDate":null,"effectiveDateNullReason":"not_parsed","issuer":{"name":"Hudson Valley Credit Union","handle":"hudson-valley-credit-union"},"identityDeclarations":[{"passageId":"3fb889d676abefdfe0a8cf8f2c5c8cb4","pageNumber":1,"name":"Visa® Platinum Rewards"}]}]}}