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The APRs for purchases, balance transfers, and cash advances are determined by the Prime Rate on the twentieth (20th) business day of the previous calendar month and subject to change on the first day of the monthly billing cycle. Refer to original Credit Card terms and conditions for prevailing rate for balance transfers that will be in affect at end of intro period (ranging from 13.74% APR – 19.74% APR). No annual fee. Introductory rate valid on Visa Signature cards only. Eligibility and offered rate may vary based on creditworthiness. Minimum credit score of 635 required for the Visa Signature offer. 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Offer not valid for current KEMBA credit card holders. When the introductory period ends, purchases and remaining transferred balances will revert to the prevailing APR based on your creditworthiness as disclosed at time of application (currently ranging from 13.74% APR – 19.74% APR for Visa Signature). For example, open your card on 07.12.2026, and pay 0.00% APR on balance transfers made within the first 90 days the card is open through 01.11.2028; all balances as of 01.12.2028 will revert to prevailing APR (currently ranging from 13.74% APR – 19.74% APR for Visa Signature). The APRs for purchases, balance transfers, and cash advances are determined by the Prime Rate on the twentieth (20th) business day of the previous calendar month and subject to change on the first day of the monthly billing cycle. Refer to original Credit Card terms and conditions for prevailing rate for balance transfers that will be in affect at end of intro period (ranging from 13.74% APR – 19.74% APR). No annual fee. Introductory rate valid on Visa Signature cards only. Eligibility and offered rate may vary based on creditworthiness. Minimum credit score of 635 required for the Visa Signature offer. Offer expires 10.31.2026."}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[{"snapshotId":"48651","path":"kemba-financial-credit-union/cc-agreement","title":"CC Agreement","documentType":"official_issuer_agreement","effectiveDate":null,"effectiveDateNullReason":"not_parsed","issuer":{"name":"Kemba Financial Credit Union","handle":"kemba-financial-credit-union"},"identityDeclarations":[{"passageId":"f71c7571b272a60c2931b29af39efa11","pageNumber":3,"name":"VISA SIGNATURE"}]},{"snapshotId":"48653","path":"kemba-financial-credit-union/visa-platinum-and-visa-signature-application-and-solicitation-disclosure","title":"VISA Platinum & VISA Signature Application and Solicitation Disclosure","documentType":"official_issuer_agreement","effectiveDate":null,"effectiveDateNullReason":"not_parsed","issuer":{"name":"Kemba Financial Credit Union","handle":"kemba-financial-credit-union"},"identityDeclarations":[{"passageId":"523e1ce64fcb97d1713967ae8d34ffb4","pageNumber":1,"name":"VISA SIGNATURE"}]}]}}