{"data":{"path":"kemba-credit-union/visa-platinum-credit-card","artwork":null,"name":"VISA Platinum Credit Card","officialName":"VISA Platinum Credit Card","type":"credit_card","audience":"consumer","lifecycleStatus":"active","owner":{"name":"Kemba Credit Union","handle":"kemba-credit-union"},"institution":{"name":"Kemba Credit Union","handle":"kemba-credit-union"},"actualIssuerName":null,"standardOffer":{"id":"2452","offerKind":"standard","channel":null,"nameAsFiled":"VISA Platinum Credit Card","handle":null,"terms":{"productId":"3636","path":"kemba-credit-union/visa-platinum-credit-card","name":"VISA Platinum Credit Card","officialName":"VISA Platinum Credit Card","aliases":[],"institutionId":"75391","institutionName":"Kemba Credit Union","institutionHandle":"kemba-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":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":null,"balanceTransferFeePercentBps":200,"balanceTransferFeeMinimumCents":200,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":200,"cashAdvanceFeeMinimumCents":200,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":100,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":"not_disclosed","overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":"unknown","returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":"not_disclosed","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":"kemba-credit-union/ada-077432920-creditcarddisclosure-vp-intro","sourceDocumentTitle":"ADA_077432920_CreditCardDisclosure_VP_Intro","sourceDocumentPage":4,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[],"fees":[{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T18:43:50.813Z","sources":[{"snapshotId":"51119","sourceKind":"official_issuer","publisherName":"KEMBA","capturedAt":"2026-10-13T18:43:50.813Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.kemba.com/borrow/visa-credit-cards.html","passageId":"d7fab3f1a74a35d6c43bbcb2f622a5f5","pageNumber":null,"quote":"No annual fee","recordId":"official-issuer:page:url:38b96cecd63a06426343fcf6cbd525515eaa3bc617ba523704336c4193b42791","recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_offered","percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":null,"explanation":"No annual fee"},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T18:43:50.813Z","sources":[{"snapshotId":"51119","sourceKind":"official_issuer","publisherName":"KEMBA","capturedAt":"2026-10-13T18:43:50.813Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.kemba.com/borrow/visa-credit-cards.html","passageId":"a73850f78f58565b2a16789495246529","pageNumber":null,"quote":"*APR = Annual Percentage Rate. Transaction fee for balance transfers and cash advances: 2% of each advance; minimum of $2, maximum $50. Foreign currency transaction fee 1%. Approval is based upon credit worthiness. Terms and conditions may apply for loan approval. Not everyone will qualify for the credit terms advertised.","recordId":"official-issuer:page:url:38b96cecd63a06426343fcf6cbd525515eaa3bc617ba523704336c4193b42791","recordFields":[],"fieldKey":"fee:balance_transfer:1"}],"feeType":"balance_transfer","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_applicable","percentBps":200,"percentNullReason":null,"minimumAmountCents":200,"maximumAmountCents":5000,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"greater_of","explanation":"*APR = Annual Percentage Rate. Transaction fee for balance transfers and cash advances: 2% of each advance; minimum of $2, maximum $50. Foreign currency transaction fee 1%. Approval is based upon credit worthiness. Terms and conditions may apply for loan approval. Not everyone will qualify for the credit terms advertised."},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T18:43:50.813Z","sources":[{"snapshotId":"51119","sourceKind":"official_issuer","publisherName":"KEMBA","capturedAt":"2026-10-13T18:43:50.813Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.kemba.com/borrow/visa-credit-cards.html","passageId":"a73850f78f58565b2a16789495246529","pageNumber":null,"quote":"*APR = Annual Percentage Rate. Transaction fee for balance transfers and cash advances: 2% of each advance; minimum of $2, maximum $50. Foreign currency transaction fee 1%. Approval is based upon credit worthiness. Terms and conditions may apply for loan approval. Not everyone will qualify for the credit terms advertised.","recordId":"official-issuer:page:url:38b96cecd63a06426343fcf6cbd525515eaa3bc617ba523704336c4193b42791","recordFields":[],"fieldKey":"fee:cash_advance:1"}],"feeType":"cash_advance","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_applicable","percentBps":200,"percentNullReason":null,"minimumAmountCents":200,"maximumAmountCents":5000,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"greater_of","explanation":"*APR = Annual Percentage Rate. Transaction fee for balance transfers and cash advances: 2% of each advance; minimum of $2, maximum $50. Foreign currency transaction fee 1%. Approval is based upon credit worthiness. Terms and conditions may apply for loan approval. Not everyone will qualify for the credit terms advertised."},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T18:43:50.813Z","sources":[{"snapshotId":"51119","sourceKind":"official_issuer","publisherName":"KEMBA","capturedAt":"2026-10-13T18:43:50.813Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.kemba.com/borrow/visa-credit-cards.html","passageId":"a73850f78f58565b2a16789495246529","pageNumber":null,"quote":"*APR = Annual Percentage Rate. Transaction fee for balance transfers and cash advances: 2% of each advance; minimum of $2, maximum $50. Foreign currency transaction fee 1%. Approval is based upon credit worthiness. Terms and conditions may apply for loan approval. Not everyone will qualify for the credit terms advertised.","recordId":"official-issuer:page:url:38b96cecd63a06426343fcf6cbd525515eaa3bc617ba523704336c4193b42791","recordFields":[],"fieldKey":"fee:foreign_transaction:1"}],"feeType":"foreign_transaction","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_applicable","percentBps":100,"percentNullReason":null,"minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"percent_only","explanation":"*APR = Annual Percentage Rate. Transaction fee for balance transfers and cash advances: 2% of each advance; minimum of $2, maximum $50. Foreign currency transaction fee 1%. Approval is based upon credit worthiness. Terms and conditions may apply for loan approval. Not everyone will qualify for the credit terms advertised."},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"48646","sourceKind":"official_issuer","publisherName":"KEMBA","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"kemba-credit-union/ada-077432920-creditcarddisclosure-vp-intro","documentTitle":"ADA_077432920_CreditCardDisclosure_VP_Intro","publicUrl":null,"passageId":"22200342a03d7bea052abaae72b140ae","pageNumber":4,"quote":"Up to $25.00","recordId":null,"recordFields":[],"fieldKey":"fee:late_payment:1"}],"feeType":"late_payment","feeFrequency":"event_based","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_disclosed","percentBps":null,"percentNullReason":"not_disclosed","minimumAmountCents":null,"maximumAmountCents":2500,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":null},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"48646","sourceKind":"official_issuer","publisherName":"KEMBA","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"kemba-credit-union/ada-077432920-creditcarddisclosure-vp-intro","documentTitle":"ADA_077432920_CreditCardDisclosure_VP_Intro","publicUrl":null,"passageId":"1b2a8862178918ca083d66b6a9bd1bf0","pageNumber":4,"quote":"Up to $25.00","recordId":null,"recordFields":[],"fieldKey":"fee:returned_payment:1"}],"feeType":"returned_payment","feeFrequency":"event_based","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_disclosed","percentBps":null,"percentNullReason":"not_disclosed","minimumAmountCents":null,"maximumAmountCents":2500,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":null}],"cardTerms":null,"partialCardNetwork":{"network":"visa","sources":[{"snapshotId":"51119","sourceKind":"official_issuer","publisherName":"KEMBA","capturedAt":"2026-10-13T18:43:50.813Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.kemba.com/borrow/visa-credit-cards.html","passageId":"f46e930a5ad5e0ebd4c3db162b1305c8","pageNumber":null,"quote":"Visa Platinum","recordId":"official-issuer:page:url:38b96cecd63a06426343fcf6cbd525515eaa3bc617ba523704336c4193b42791","recordFields":[],"fieldKey":"network"}]},"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T18:43:50.813Z","sources":[{"snapshotId":"51119","sourceKind":"official_issuer","publisherName":"KEMBA","capturedAt":"2026-10-13T18:43:50.813Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.kemba.com/borrow/visa-credit-cards.html","passageId":"99b6de09c46ee9bb8ada953470449a8b","pageNumber":null,"quote":"View the Visa Platinum credit card disclosure.","recordId":"official-issuer:page:url:38b96cecd63a06426343fcf6cbd525515eaa3bc617ba523704336c4193b42791","recordFields":[],"fieldKey":"card_link"}],"linkKey":"disclosure","linkKind":"disclosure","url":"https://www.kemba.com/_/kcms-doc/357/95683/Visa-Platinum-Jan-2026.pdf","label":"View the Visa Platinum credit card disclosure."}],"cardWithholdings":[{"observationKind":"card_apr","fieldKey":"purchase-apr","reason":"unparsed_value","detail":"APR is retained verbatim but not materialized: the supplied snapshot has no capture timestamp and the source date is not a literal ISO date supported by the APR qualifier.","sources":[{"snapshotId":"51119","sourceKind":"official_issuer","publisherName":"KEMBA","capturedAt":"2026-10-13T18:43:50.813Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.kemba.com/borrow/visa-credit-cards.html","passageId":"ef403e4e4e87a7d6dc67810be83d623a","pageNumber":null,"quote":"9.90% APR*","recordId":"official-issuer:page:url:38b96cecd63a06426343fcf6cbd525515eaa3bc617ba523704336c4193b42791","recordFields":[],"fieldKey":"withheld:card_apr:purchase-apr"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]},"offers":[{"id":"2452","offerKind":"standard","channel":null,"nameAsFiled":"VISA Platinum Credit Card","handle":null,"terms":{"productId":"3636","path":"kemba-credit-union/visa-platinum-credit-card","name":"VISA Platinum Credit Card","officialName":"VISA Platinum Credit Card","aliases":[],"institutionId":"75391","institutionName":"Kemba Credit Union","institutionHandle":"kemba-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":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":null,"balanceTransferFeePercentBps":200,"balanceTransferFeeMinimumCents":200,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":200,"cashAdvanceFeeMinimumCents":200,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":100,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":"not_disclosed","overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":"unknown","returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":"not_disclosed","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":"kemba-credit-union/ada-077432920-creditcarddisclosure-vp-intro","sourceDocumentTitle":"ADA_077432920_CreditCardDisclosure_VP_Intro","sourceDocumentPage":4,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[],"fees":[{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T18:43:50.813Z","sources":[{"snapshotId":"51119","sourceKind":"official_issuer","publisherName":"KEMBA","capturedAt":"2026-10-13T18:43:50.813Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.kemba.com/borrow/visa-credit-cards.html","passageId":"d7fab3f1a74a35d6c43bbcb2f622a5f5","pageNumber":null,"quote":"No annual fee","recordId":"official-issuer:page:url:38b96cecd63a06426343fcf6cbd525515eaa3bc617ba523704336c4193b42791","recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_offered","percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":null,"explanation":"No annual fee"},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T18:43:50.813Z","sources":[{"snapshotId":"51119","sourceKind":"official_issuer","publisherName":"KEMBA","capturedAt":"2026-10-13T18:43:50.813Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.kemba.com/borrow/visa-credit-cards.html","passageId":"a73850f78f58565b2a16789495246529","pageNumber":null,"quote":"*APR = Annual Percentage Rate. Transaction fee for balance transfers and cash advances: 2% of each advance; minimum of $2, maximum $50. Foreign currency transaction fee 1%. Approval is based upon credit worthiness. Terms and conditions may apply for loan approval. Not everyone will qualify for the credit terms advertised.","recordId":"official-issuer:page:url:38b96cecd63a06426343fcf6cbd525515eaa3bc617ba523704336c4193b42791","recordFields":[],"fieldKey":"fee:balance_transfer:1"}],"feeType":"balance_transfer","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_applicable","percentBps":200,"percentNullReason":null,"minimumAmountCents":200,"maximumAmountCents":5000,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"greater_of","explanation":"*APR = Annual Percentage Rate. Transaction fee for balance transfers and cash advances: 2% of each advance; minimum of $2, maximum $50. Foreign currency transaction fee 1%. Approval is based upon credit worthiness. Terms and conditions may apply for loan approval. Not everyone will qualify for the credit terms advertised."},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T18:43:50.813Z","sources":[{"snapshotId":"51119","sourceKind":"official_issuer","publisherName":"KEMBA","capturedAt":"2026-10-13T18:43:50.813Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.kemba.com/borrow/visa-credit-cards.html","passageId":"a73850f78f58565b2a16789495246529","pageNumber":null,"quote":"*APR = Annual Percentage Rate. Transaction fee for balance transfers and cash advances: 2% of each advance; minimum of $2, maximum $50. Foreign currency transaction fee 1%. Approval is based upon credit worthiness. Terms and conditions may apply for loan approval. Not everyone will qualify for the credit terms advertised.","recordId":"official-issuer:page:url:38b96cecd63a06426343fcf6cbd525515eaa3bc617ba523704336c4193b42791","recordFields":[],"fieldKey":"fee:cash_advance:1"}],"feeType":"cash_advance","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_applicable","percentBps":200,"percentNullReason":null,"minimumAmountCents":200,"maximumAmountCents":5000,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"greater_of","explanation":"*APR = Annual Percentage Rate. Transaction fee for balance transfers and cash advances: 2% of each advance; minimum of $2, maximum $50. Foreign currency transaction fee 1%. Approval is based upon credit worthiness. Terms and conditions may apply for loan approval. Not everyone will qualify for the credit terms advertised."},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T18:43:50.813Z","sources":[{"snapshotId":"51119","sourceKind":"official_issuer","publisherName":"KEMBA","capturedAt":"2026-10-13T18:43:50.813Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.kemba.com/borrow/visa-credit-cards.html","passageId":"a73850f78f58565b2a16789495246529","pageNumber":null,"quote":"*APR = Annual Percentage Rate. Transaction fee for balance transfers and cash advances: 2% of each advance; minimum of $2, maximum $50. Foreign currency transaction fee 1%. Approval is based upon credit worthiness. Terms and conditions may apply for loan approval. Not everyone will qualify for the credit terms advertised.","recordId":"official-issuer:page:url:38b96cecd63a06426343fcf6cbd525515eaa3bc617ba523704336c4193b42791","recordFields":[],"fieldKey":"fee:foreign_transaction:1"}],"feeType":"foreign_transaction","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_applicable","percentBps":100,"percentNullReason":null,"minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"percent_only","explanation":"*APR = Annual Percentage Rate. Transaction fee for balance transfers and cash advances: 2% of each advance; minimum of $2, maximum $50. Foreign currency transaction fee 1%. Approval is based upon credit worthiness. Terms and conditions may apply for loan approval. Not everyone will qualify for the credit terms advertised."},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"48646","sourceKind":"official_issuer","publisherName":"KEMBA","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"kemba-credit-union/ada-077432920-creditcarddisclosure-vp-intro","documentTitle":"ADA_077432920_CreditCardDisclosure_VP_Intro","publicUrl":null,"passageId":"22200342a03d7bea052abaae72b140ae","pageNumber":4,"quote":"Up to $25.00","recordId":null,"recordFields":[],"fieldKey":"fee:late_payment:1"}],"feeType":"late_payment","feeFrequency":"event_based","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_disclosed","percentBps":null,"percentNullReason":"not_disclosed","minimumAmountCents":null,"maximumAmountCents":2500,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":null},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"48646","sourceKind":"official_issuer","publisherName":"KEMBA","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"kemba-credit-union/ada-077432920-creditcarddisclosure-vp-intro","documentTitle":"ADA_077432920_CreditCardDisclosure_VP_Intro","publicUrl":null,"passageId":"1b2a8862178918ca083d66b6a9bd1bf0","pageNumber":4,"quote":"Up to $25.00","recordId":null,"recordFields":[],"fieldKey":"fee:returned_payment:1"}],"feeType":"returned_payment","feeFrequency":"event_based","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_disclosed","percentBps":null,"percentNullReason":"not_disclosed","minimumAmountCents":null,"maximumAmountCents":2500,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":null}],"cardTerms":null,"partialCardNetwork":{"network":"visa","sources":[{"snapshotId":"51119","sourceKind":"official_issuer","publisherName":"KEMBA","capturedAt":"2026-10-13T18:43:50.813Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.kemba.com/borrow/visa-credit-cards.html","passageId":"f46e930a5ad5e0ebd4c3db162b1305c8","pageNumber":null,"quote":"Visa Platinum","recordId":"official-issuer:page:url:38b96cecd63a06426343fcf6cbd525515eaa3bc617ba523704336c4193b42791","recordFields":[],"fieldKey":"network"}]},"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T18:43:50.813Z","sources":[{"snapshotId":"51119","sourceKind":"official_issuer","publisherName":"KEMBA","capturedAt":"2026-10-13T18:43:50.813Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.kemba.com/borrow/visa-credit-cards.html","passageId":"99b6de09c46ee9bb8ada953470449a8b","pageNumber":null,"quote":"View the Visa Platinum credit card disclosure.","recordId":"official-issuer:page:url:38b96cecd63a06426343fcf6cbd525515eaa3bc617ba523704336c4193b42791","recordFields":[],"fieldKey":"card_link"}],"linkKey":"disclosure","linkKind":"disclosure","url":"https://www.kemba.com/_/kcms-doc/357/95683/Visa-Platinum-Jan-2026.pdf","label":"View the Visa Platinum credit card disclosure."}],"cardWithholdings":[{"observationKind":"card_apr","fieldKey":"purchase-apr","reason":"unparsed_value","detail":"APR is retained verbatim but not materialized: the supplied snapshot has no capture timestamp and the source date is not a literal ISO date supported by the APR qualifier.","sources":[{"snapshotId":"51119","sourceKind":"official_issuer","publisherName":"KEMBA","capturedAt":"2026-10-13T18:43:50.813Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.kemba.com/borrow/visa-credit-cards.html","passageId":"ef403e4e4e87a7d6dc67810be83d623a","pageNumber":null,"quote":"9.90% APR*","recordId":"official-issuer:page:url:38b96cecd63a06426343fcf6cbd525515eaa3bc617ba523704336c4193b42791","recordFields":[],"fieldKey":"withheld:card_apr:purchase-apr"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[{"snapshotId":"48647","path":"kemba-credit-union/ada-077432920-creditcarddisclosure-4-2026pdf-257110","title":"ADA_077432920_CreditCardDisclosure.4.2026pdf-257110","documentType":"official_issuer_agreement","effectiveDate":null,"effectiveDateNullReason":"not_parsed","issuer":{"name":"Kemba Credit Union","handle":"kemba-credit-union"},"identityDeclarations":[{"passageId":"6bcf787d7a3c4e316b4b162bab3b95a9","pageNumber":2,"name":"VISA Platinum"}]},{"snapshotId":"48646","path":"kemba-credit-union/ada-077432920-creditcarddisclosure-vp-intro","title":"ADA_077432920_CreditCardDisclosure_VP_Intro","documentType":"official_issuer_agreement","effectiveDate":null,"effectiveDateNullReason":"not_parsed","issuer":{"name":"Kemba Credit Union","handle":"kemba-credit-union"},"identityDeclarations":[]}]}}