{"data":{"path":"inova-credit-union/business-visa-rewards","artwork":null,"name":"Business Visa Rewards","officialName":"Business Visa Rewards","type":"credit_card","audience":"business","lifecycleStatus":"active","owner":{"name":"Inova Credit Union","handle":"inova-credit-union"},"institution":{"name":"Inova Credit Union","handle":"inova-credit-union"},"actualIssuerName":null,"standardOffer":{"id":"2810","offerKind":"standard","channel":null,"nameAsFiled":"Business Visa Rewards","handle":null,"terms":{"productId":"3994","path":"inova-credit-union/business-visa-rewards","name":"Business Visa Rewards","officialName":"Business Visa Rewards","aliases":[],"institutionId":"74958","institutionName":"Inova Credit 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Percentage Rate. Cash advance fees of $5, or 4% of the amount of each cash advance will apply, whichever is greater. Foreign transaction fees of 0.80% for each single currency transaction in U.S. Dollars, and – 1.0% of each multiple currently transaction in U.S. Dollars will apply.  No annual fee.  Signed application,  obtain credit report to evaluate the applicants creditworthiness, and p…","recordId":"official-issuer:page:url:6d72ababe2b3f2cae70765fb20e6c14f728d85f5d385ea61f2bfacdd68b2d060","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":"Annual Percentage Rate. Cash advance fees of $5, or 4% of the amount of each cash advance will apply, whichever is greater. Foreign transaction fees of 0.80% for each single currency transaction in U.S. Dollars, and – 1.0% of each multiple currently transaction in U.S. Dollars will apply.  No annual fee.  Signed application,  obtain credit report to evaluate the applicants creditworthiness, and proof of income required.  Full terms and conditions of the account available upon approval. Rates adjust to the contract APR (currently 16.99%).  Rates subject to credit worthiness."},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T14:25:21.635Z","sources":[{"snapshotId":"50744","sourceKind":"official_issuer","publisherName":"INOVA","capturedAt":"2026-10-13T14:25:21.635Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.inovafederal.org/loans/business-loans/business-Visa-Rewards.html","passageId":"534e210ae39a8f0bb8a7e8badfa5a213","pageNumber":null,"quote":"Annual Percentage Rate. Cash advance fees of $5, or 4% of the amount of each cash advance will apply, whichever is greater. Foreign transaction fees of 0.80% for each single currency transaction in U.S. Dollars, and – 1.0% of each multiple currently transaction in U.S. Dollars will apply.  No annual fee.  Signed application,  obtain credit report to evaluate the applicants creditworthiness, and p…","recordId":"official-issuer:page:url:6d72ababe2b3f2cae70765fb20e6c14f728d85f5d385ea61f2bfacdd68b2d060","recordFields":[],"fieldKey":"fee:cash_advance:1"}],"feeType":"cash_advance","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_applicable","percentBps":400,"percentNullReason":null,"minimumAmountCents":500,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"greater_of","explanation":"Annual Percentage Rate. Cash advance fees of $5, or 4% of the amount of each cash advance will apply, whichever is greater. Foreign transaction fees of 0.80% for each single currency transaction in U.S. Dollars, and – 1.0% of each multiple currently transaction in U.S. Dollars will apply.  No annual fee.  Signed application,  obtain credit report to evaluate the applicants creditworthiness, and proof of income required.  Full terms and conditions of the account available upon approval. Rates adjust to the contract APR (currently 16.99%).  Rates subject to credit worthiness."}],"cardTerms":null,"partialCardNetwork":{"network":"visa","sources":[{"snapshotId":"50744","sourceKind":"official_issuer","publisherName":"INOVA","capturedAt":"2026-10-13T14:25:21.635Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.inovafederal.org/loans/business-loans/business-Visa-Rewards.html","passageId":"aa7f77d09879efa373da8426fe3e9404","pageNumber":null,"quote":"Business Visa Rewards","recordId":"official-issuer:page:url:6d72ababe2b3f2cae70765fb20e6c14f728d85f5d385ea61f2bfacdd68b2d060","recordFields":[],"fieldKey":"network"}]},"signupBonuses":[],"cardRewards":[{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T14:25:21.635Z","sources":[{"snapshotId":"50744","sourceKind":"official_issuer","publisherName":"INOVA","capturedAt":"2026-10-13T14:25:21.635Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.inovafederal.org/loans/business-loans/business-Visa-Rewards.html","passageId":"ebba4d5790d6f4db9721750e8f2186e0","pageNumber":null,"quote":"Earn one (1) point for every $1.00 in net purchases made with the Business Visa Rewards Credit Card. 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No points will be earned for cash advances including convenience checks or for balance transfers. Minimum redemption is $25.00. Reward points may be redeemed any time a user has accumulated enough points for a redemption option. Reward points will be deducted for returned purchases at the same rate they are earned. Credit rewards points not redeemed will expire after 5 years. Reward points may be redeemed online by logging into rewards.inovafederal.org; in person by visiting the nearest INOVA branch location; by calling 800-826-5465; or by sending a written request to INOVA Federal Member Services Department, P.O. Box 1148, Elkhart, Indiana 46516. 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Foreign transaction fees of 0.80% for each single currency transaction in U.S. Dollars, and – 1.0% of each multiple currently transaction in U.S. Dollars will apply.  No annual fee.  Signed application,  obtain credit report to evaluate the applicants creditworthiness, and p…","recordId":"official-issuer:page:url:6d72ababe2b3f2cae70765fb20e6c14f728d85f5d385ea61f2bfacdd68b2d060","recordFields":[],"fieldKey":"offer_requirement:application-and-income"}],"requirementKey":"application-and-income","routeType":"other","description":"Annual Percentage Rate. Cash advance fees of $5, or 4% of the amount of each cash advance will apply, whichever is greater. 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Percentage Rate. Cash advance fees of $5, or 4% of the amount of each cash advance will apply, whichever is greater. Foreign transaction fees of 0.80% for each single currency transaction in U.S. Dollars, and – 1.0% of each multiple currently transaction in U.S. Dollars will apply.  No annual fee.  Signed application,  obtain credit report to evaluate the applicants creditworthiness, and p…","recordId":"official-issuer:page:url:6d72ababe2b3f2cae70765fb20e6c14f728d85f5d385ea61f2bfacdd68b2d060","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":"Annual Percentage Rate. 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Rates adjust to the contract APR (currently 16.99%).  Rates subject to credit worthiness."},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T14:25:21.635Z","sources":[{"snapshotId":"50744","sourceKind":"official_issuer","publisherName":"INOVA","capturedAt":"2026-10-13T14:25:21.635Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.inovafederal.org/loans/business-loans/business-Visa-Rewards.html","passageId":"534e210ae39a8f0bb8a7e8badfa5a213","pageNumber":null,"quote":"Annual Percentage Rate. Cash advance fees of $5, or 4% of the amount of each cash advance will apply, whichever is greater. 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Foreign transaction fees of 0.80% for each single currency transaction in U.S. Dollars, and – 1.0% of each multiple currently transaction in U.S. Dollars will apply.  No annual fee.  Signed application,  obtain credit report to evaluate the applicants creditworthiness, and proof of income required.  Full terms and conditions of the account available upon approval. Rates adjust to the contract APR (currently 16.99%).  Rates subject to credit worthiness."}],"cardTerms":null,"partialCardNetwork":{"network":"visa","sources":[{"snapshotId":"50744","sourceKind":"official_issuer","publisherName":"INOVA","capturedAt":"2026-10-13T14:25:21.635Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.inovafederal.org/loans/business-loans/business-Visa-Rewards.html","passageId":"aa7f77d09879efa373da8426fe3e9404","pageNumber":null,"quote":"Business Visa Rewards","recordId":"official-issuer:page:url:6d72ababe2b3f2cae70765fb20e6c14f728d85f5d385ea61f2bfacdd68b2d060","recordFields":[],"fieldKey":"network"}]},"signupBonuses":[],"cardRewards":[{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T14:25:21.635Z","sources":[{"snapshotId":"50744","sourceKind":"official_issuer","publisherName":"INOVA","capturedAt":"2026-10-13T14:25:21.635Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.inovafederal.org/loans/business-loans/business-Visa-Rewards.html","passageId":"ebba4d5790d6f4db9721750e8f2186e0","pageNumber":null,"quote":"Earn one (1) point for every $1.00 in net purchases made with the Business Visa Rewards Credit Card. No points will be earned for cash advances including convenience checks or for balance transfers. Minimum redemption is $25.00. Reward points may be redeemed any time a user has accumulated enough points for a redemption option. Reward points will be deducted for returned purchases at the same rat…","recordId":"official-issuer:page:url:6d72ababe2b3f2cae70765fb20e6c14f728d85f5d385ea61f2bfacdd68b2d060","recordFields":[],"fieldKey":"card_reward"}],"groupKey":"purchase-points","tierKey":"net-purchases","groupLabel":"Net 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":"Earn one (1) point for every $1.00 in net purchases made with the Business Visa Rewards Credit Card. No points will be earned for cash advances including convenience checks or for balance transfers. Minimum redemption is $25.00. Reward points may be redeemed any time a user has accumulated enough points for a redemption option. Reward points will be deducted for returned purchases at the same rate they are earned. Credit rewards points not redeemed will expire after 5 years. Reward points may be redeemed online by logging into rewards.inovafederal.org; in person by visiting the nearest INOVA branch location; by calling 800-826-5465; or by sending a written request to INOVA Federal Member Services Department, P.O. Box 1148, Elkhart, Indiana 46516. Rewards program subject to change at any time","qualificationConditions":[],"qualificationConditionSources":[]}],"cashBenefits":[],"cardLinks":[],"openingRequirements":[{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T14:25:21.635Z","sources":[{"snapshotId":"50744","sourceKind":"official_issuer","publisherName":"INOVA","capturedAt":"2026-10-13T14:25:21.635Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.inovafederal.org/loans/business-loans/business-Visa-Rewards.html","passageId":"534e210ae39a8f0bb8a7e8badfa5a213","pageNumber":null,"quote":"Annual Percentage Rate. Cash advance fees of $5, or 4% of the amount of each cash advance will apply, whichever is greater. Foreign transaction fees of 0.80% for each single currency transaction in U.S. Dollars, and – 1.0% of each multiple currently transaction in U.S. Dollars will apply.  No annual fee.  Signed application,  obtain credit report to evaluate the applicants creditworthiness, and p…","recordId":"official-issuer:page:url:6d72ababe2b3f2cae70765fb20e6c14f728d85f5d385ea61f2bfacdd68b2d060","recordFields":[],"fieldKey":"offer_requirement:application-and-income"}],"requirementKey":"application-and-income","routeType":"other","description":"Annual Percentage Rate. Cash advance fees of $5, or 4% of the amount of each cash advance will apply, whichever is greater. Foreign transaction fees of 0.80% for each single currency transaction in U.S. Dollars, and – 1.0% of each multiple currently transaction in U.S. Dollars will apply.  No annual fee.  Signed application,  obtain credit report to evaluate the applicants creditworthiness, and proof of income required.  Full terms and conditions of the account available upon approval. Rates adjust to the contract APR (currently 16.99%).  Rates subject to credit worthiness."}],"cardWithholdings":[{"observationKind":"card_fee","fieldKey":"foreign-transaction","reason":"unparsed_value","detail":"The page states 0.80% for single-currency and 1.0% for multiple-currency transactions. The writer admits only one fee per named type and the schema has no currency-condition field; neither rate is selected as universal.","sources":[{"snapshotId":"50744","sourceKind":"official_issuer","publisherName":"INOVA","capturedAt":"2026-10-13T14:25:21.635Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.inovafederal.org/loans/business-loans/business-Visa-Rewards.html","passageId":"534e210ae39a8f0bb8a7e8badfa5a213","pageNumber":null,"quote":"Annual Percentage Rate. Cash advance fees of $5, or 4% of the amount of each cash advance will apply, whichever is greater. Foreign transaction fees of 0.80% for each single currency transaction in U.S. Dollars, and – 1.0% of each multiple currently transaction in U.S. Dollars will apply.  No annual fee.  Signed application,  obtain credit report to evaluate the applicants creditworthiness, and p…","recordId":"official-issuer:page:url:6d72ababe2b3f2cae70765fb20e6c14f728d85f5d385ea61f2bfacdd68b2d060","recordFields":[],"fieldKey":"withheld:card_fee:foreign-transaction"}]},{"observationKind":"card_apr","fieldKey":"regular-apr","reason":"unparsed_value","detail":"APR wording retained. Supplied inputs do not include the original capture date, and no literal ISO effective date qualifies under the planner; no APR date is invented.","sources":[{"snapshotId":"50744","sourceKind":"official_issuer","publisherName":"INOVA","capturedAt":"2026-10-13T14:25:21.635Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.inovafederal.org/loans/business-loans/business-Visa-Rewards.html","passageId":"57d81493b1bfcf9bd9c38e26d2428325","pageNumber":null,"quote":"Fixed interest rate as low as 16.99% APR","recordId":"official-issuer:page:url:6d72ababe2b3f2cae70765fb20e6c14f728d85f5d385ea61f2bfacdd68b2d060","recordFields":[],"fieldKey":"withheld:card_apr:regular-apr"}]},{"observationKind":"card_reward","fieldKey":"points-expiration","reason":"unparsed_value","detail":"The page states unused points expire after 5 years but does not disclose the expiration anchor; the writer requires the complete year/anchor pair.","sources":[{"snapshotId":"50744","sourceKind":"official_issuer","publisherName":"INOVA","capturedAt":"2026-10-13T14:25:21.635Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.inovafederal.org/loans/business-loans/business-Visa-Rewards.html","passageId":"ebba4d5790d6f4db9721750e8f2186e0","pageNumber":null,"quote":"Earn one (1) point for every $1.00 in net purchases made with the Business Visa Rewards Credit Card. No points will be earned for cash advances including convenience checks or for balance transfers. Minimum redemption is $25.00. Reward points may be redeemed any time a user has accumulated enough points for a redemption option. Reward points will be deducted for returned purchases at the same rat…","recordId":"official-issuer:page:url:6d72ababe2b3f2cae70765fb20e6c14f728d85f5d385ea61f2bfacdd68b2d060","recordFields":[],"fieldKey":"withheld:card_reward:points-expiration"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[]}}