{"data":{"path":"pfcu-credit-union/essentials-visa-credit-card","artwork":null,"name":"Essentials VISA Credit Card","officialName":"Essentials VISA Credit Card","type":"credit_card","audience":"consumer","lifecycleStatus":"active","owner":{"name":"PFCU Credit Union","handle":"pfcu-credit-union"},"institution":{"name":"PFCU Credit Union","handle":"pfcu-credit-union"},"actualIssuerName":null,"standardOffer":{"id":"2746","offerKind":"standard","channel":null,"nameAsFiled":"Essentials VISA Credit Card","handle":null,"terms":{"productId":"3930","path":"pfcu-credit-union/essentials-visa-credit-card","name":"Essentials VISA Credit Card","officialName":"Essentials VISA Credit Card","aliases":[],"institutionId":"76717","institutionName":"PFCU Credit Union","institutionHandle":"pfcu-credit-union","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":"unknown","balanceTransferIntroNullReason":"unknown","purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":"not_offered","purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":"unknown","balanceTransferFeeAmountCents":0,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":"unknown","foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":"unknown","latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":"unknown","overLimitFeeAmountCents":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":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[],"fees":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T02:06:00.242Z","sources":[{"snapshotId":"51737","sourceKind":"official_issuer","publisherName":"PFCU","capturedAt":"2026-10-14T02:06:00.242Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.pfcu4me.com/For-You/Spend/Credit-Cards","passageId":"5cfe0df33de27ededfe08a9ad53cd79b","pageNumber":null,"quote":"No Annual Fee and No Balance Transfer Fee","recordId":"official-issuer:page:url:3e13139be50082286d19da9359258f9aa1aeb8b3a8dcabefd863f803ba35b803","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 and No Balance Transfer Fee"},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T02:06:00.242Z","sources":[{"snapshotId":"51737","sourceKind":"official_issuer","publisherName":"PFCU","capturedAt":"2026-10-14T02:06:00.242Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.pfcu4me.com/For-You/Spend/Credit-Cards","passageId":"5cfe0df33de27ededfe08a9ad53cd79b","pageNumber":null,"quote":"No Annual Fee and No Balance Transfer Fee","recordId":"official-issuer:page:url:3e13139be50082286d19da9359258f9aa1aeb8b3a8dcabefd863f803ba35b803","recordFields":[],"fieldKey":"fee:balance_transfer:1"}],"feeType":"balance_transfer","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":0,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":"No Annual Fee and No Balance Transfer Fee"}],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_apr","fieldKey":"held-126","reason":"unparsed_value","detail":"The retained page states this APR, but the supplied inputs omit the capture timestamp required by the APR planner; no effective date is invented.","sources":[{"snapshotId":"51737","sourceKind":"official_issuer","publisherName":"PFCU","capturedAt":"2026-10-14T02:06:00.242Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.pfcu4me.com/For-You/Spend/Credit-Cards","passageId":"1c67de83df87761a4f9ecb80de897efe","pageNumber":null,"quote":"Variable rates as low as 12.00% APR*","recordId":"official-issuer:page:url:3e13139be50082286d19da9359258f9aa1aeb8b3a8dcabefd863f803ba35b803","recordFields":[],"fieldKey":"withheld:card_apr:held-126"}]},{"observationKind":"card_apr","fieldKey":"held-314","reason":"unparsed_value","detail":"The retained page states this APR, but the supplied inputs omit the capture timestamp required by the APR planner; no effective date is invented.","sources":[{"snapshotId":"51737","sourceKind":"official_issuer","publisherName":"PFCU","capturedAt":"2026-10-14T02:06:00.242Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.pfcu4me.com/For-You/Spend/Credit-Cards","passageId":"6213f71907ee273c161c01a5d31b632a","pageNumber":null,"quote":"*APR = Annual Percentage Rate. Based on credit worthiness. Your APR is based on prime rate and will vary with market fluctuations.","recordId":"official-issuer:page:url:3e13139be50082286d19da9359258f9aa1aeb8b3a8dcabefd863f803ba35b803","recordFields":[],"fieldKey":"withheld:card_apr:held-314"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]},"offers":[{"id":"2746","offerKind":"standard","channel":null,"nameAsFiled":"Essentials VISA Credit Card","handle":null,"terms":{"productId":"3930","path":"pfcu-credit-union/essentials-visa-credit-card","name":"Essentials VISA Credit Card","officialName":"Essentials VISA Credit Card","aliases":[],"institutionId":"76717","institutionName":"PFCU Credit Union","institutionHandle":"pfcu-credit-union","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":"unknown","balanceTransferIntroNullReason":"unknown","purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":"not_offered","purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":"unknown","balanceTransferFeeAmountCents":0,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":"unknown","foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":"unknown","latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":"unknown","overLimitFeeAmountCents":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":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[],"fees":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T02:06:00.242Z","sources":[{"snapshotId":"51737","sourceKind":"official_issuer","publisherName":"PFCU","capturedAt":"2026-10-14T02:06:00.242Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.pfcu4me.com/For-You/Spend/Credit-Cards","passageId":"5cfe0df33de27ededfe08a9ad53cd79b","pageNumber":null,"quote":"No Annual Fee and No Balance Transfer Fee","recordId":"official-issuer:page:url:3e13139be50082286d19da9359258f9aa1aeb8b3a8dcabefd863f803ba35b803","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 and No Balance Transfer Fee"},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T02:06:00.242Z","sources":[{"snapshotId":"51737","sourceKind":"official_issuer","publisherName":"PFCU","capturedAt":"2026-10-14T02:06:00.242Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.pfcu4me.com/For-You/Spend/Credit-Cards","passageId":"5cfe0df33de27ededfe08a9ad53cd79b","pageNumber":null,"quote":"No Annual Fee and No Balance Transfer Fee","recordId":"official-issuer:page:url:3e13139be50082286d19da9359258f9aa1aeb8b3a8dcabefd863f803ba35b803","recordFields":[],"fieldKey":"fee:balance_transfer:1"}],"feeType":"balance_transfer","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":0,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":"No Annual Fee and No Balance Transfer Fee"}],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_apr","fieldKey":"held-126","reason":"unparsed_value","detail":"The retained page states this APR, but the supplied inputs omit the capture timestamp required by the APR planner; no effective date is invented.","sources":[{"snapshotId":"51737","sourceKind":"official_issuer","publisherName":"PFCU","capturedAt":"2026-10-14T02:06:00.242Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.pfcu4me.com/For-You/Spend/Credit-Cards","passageId":"1c67de83df87761a4f9ecb80de897efe","pageNumber":null,"quote":"Variable rates as low as 12.00% APR*","recordId":"official-issuer:page:url:3e13139be50082286d19da9359258f9aa1aeb8b3a8dcabefd863f803ba35b803","recordFields":[],"fieldKey":"withheld:card_apr:held-126"}]},{"observationKind":"card_apr","fieldKey":"held-314","reason":"unparsed_value","detail":"The retained page states this APR, but the supplied inputs omit the capture timestamp required by the APR planner; no effective date is invented.","sources":[{"snapshotId":"51737","sourceKind":"official_issuer","publisherName":"PFCU","capturedAt":"2026-10-14T02:06:00.242Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.pfcu4me.com/For-You/Spend/Credit-Cards","passageId":"6213f71907ee273c161c01a5d31b632a","pageNumber":null,"quote":"*APR = Annual Percentage Rate. Based on credit worthiness. Your APR is based on prime rate and will vary with market fluctuations.","recordId":"official-issuer:page:url:3e13139be50082286d19da9359258f9aa1aeb8b3a8dcabefd863f803ba35b803","recordFields":[],"fieldKey":"withheld:card_apr:held-314"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[]}}