{"data":{"path":"vantage-west-credit-union/platinum-visa","artwork":{"path":"vantage-west-credit-union/platinum-visa","url":"/v1/product-artwork/vantage-west-credit-union/platinum-visa/11d6376ee9f3b3c951f65a650f3f2cb2aa707b044e5ddff7ec497ad162160d7a.webp","sha256":"11d6376ee9f3b3c951f65a650f3f2cb2aa707b044e5ddff7ec497ad162160d7a","width":160,"height":102,"sourceUrl":"https://vantagewest.org/wp-content/uploads/2026/08/CardOutline_Template-Visa_241118-Platunum-Credit_PNG-MOCK_F-1024x655.png","sourcePageUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","capturedAt":"2026-10-14T20:28:54.705Z"},"name":"PLATINUM VISA","officialName":"PLATINUM VISA","type":"credit_card","audience":"consumer","lifecycleStatus":"active","owner":{"name":"Vantage West Credit Union","handle":"vantage-west-credit-union"},"institution":{"name":"Vantage West Credit Union","handle":"vantage-west-credit-union"},"actualIssuerName":null,"standardOffer":{"id":"2076","offerKind":"standard","channel":null,"nameAsFiled":"PLATINUM VISA","handle":null,"terms":{"productId":"3260","path":"vantage-west-credit-union/platinum-visa","name":"PLATINUM VISA","officialName":"PLATINUM VISA","aliases":[],"institutionId":"76628","institutionName":"Vantage West Credit Union","institutionHandle":"vantage-west-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":949,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":949,"purchaseRegularMaxBps":2749,"purchaseIntroAllBps":0,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":0,"purchaseIntroMaxBps":0,"balanceTransferRegularAllBps":949,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":949,"balanceTransferRegularMaxBps":2749,"balanceTransferIntroAllBps":0,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":0,"balanceTransferIntroMaxBps":0,"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":12,"balanceTransferIntroDurationMonths":12,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"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":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":949,"maxPurchaseAprBps":2749,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T17:26:18.358Z","sources":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:0"},{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:conditions"}],"purpose":"balance_transfer","phase":"introductory","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":null,"rateTypeNullReason":"not_disclosed","minimumBps":0,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":0,"maximumBpsNullReason":null,"indexName":null,"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":12,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":"not_applicable","eligibilityConditions":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are variable and are subject to change. Rates are based on Prime Rate and are accurate as of 10/02/2026. All loans are subject to credit approval. Membership required. Certain restrictions may apply.","eligibilityConditionSources":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T17:26:18.358Z","sources":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:balance_transfer:regular:conditions"},{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"purpose":"balance_transfer","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":949,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":2749,"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":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are variable and are subject to change. Rates are based on Prime Rate and are accurate as of 10/02/2026. All loans are subject to credit approval. Membership required. Certain restrictions may apply.","eligibilityConditionSources":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:balance_transfer:regular:conditions"}],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T17:26:18.358Z","sources":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:purchase:introductory:all:0"},{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:purchase:introductory:conditions"}],"purpose":"purchase","phase":"introductory","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":null,"rateTypeNullReason":"not_disclosed","minimumBps":0,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":0,"maximumBpsNullReason":null,"indexName":null,"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":12,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":"not_applicable","eligibilityConditions":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are variable and are subject to change. Rates are based on Prime Rate and are accurate as of 10/02/2026. All loans are subject to credit approval. Membership required. Certain restrictions may apply.","eligibilityConditionSources":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:purchase:introductory:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:purchase:introductory:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T17:26:18.358Z","sources":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"},{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"purpose":"purchase","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":949,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":2749,"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":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are variable and are subject to change. Rates are based on Prime Rate and are accurate as of 10/02/2026. All loans are subject to credit approval. Membership required. Certain restrictions may apply.","eligibilityConditionSources":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"}],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T17:26:18.358Z","sources":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"cc9455b052a2935e40cdf9b697abd5b4","pageNumber":null,"quote":"no annual fee","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","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":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T17:26:18.358Z","sources":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"1a17182524a7636ebf42a1c4e7d01bc2","pageNumber":null,"quote":"No Application Fee or Annual Fee","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"fee:application:1"}],"feeType":"application","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 Application Fee or Annual Fee"}],"cardTerms":null,"partialCardNetwork":{"network":"visa","sources":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"788754dcc16c1877698921d25fbf3953","pageNumber":null,"quote":"Vantage West Platinum Visa","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"network"}]},"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]},"offers":[{"id":"2076","offerKind":"standard","channel":null,"nameAsFiled":"PLATINUM VISA","handle":null,"terms":{"productId":"3260","path":"vantage-west-credit-union/platinum-visa","name":"PLATINUM VISA","officialName":"PLATINUM VISA","aliases":[],"institutionId":"76628","institutionName":"Vantage West Credit Union","institutionHandle":"vantage-west-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":949,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":949,"purchaseRegularMaxBps":2749,"purchaseIntroAllBps":0,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":0,"purchaseIntroMaxBps":0,"balanceTransferRegularAllBps":949,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":949,"balanceTransferRegularMaxBps":2749,"balanceTransferIntroAllBps":0,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":0,"balanceTransferIntroMaxBps":0,"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":12,"balanceTransferIntroDurationMonths":12,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"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":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":949,"maxPurchaseAprBps":2749,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T17:26:18.358Z","sources":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:0"},{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:conditions"}],"purpose":"balance_transfer","phase":"introductory","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":null,"rateTypeNullReason":"not_disclosed","minimumBps":0,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":0,"maximumBpsNullReason":null,"indexName":null,"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":12,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":"not_applicable","eligibilityConditions":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are variable and are subject to change. Rates are based on Prime Rate and are accurate as of 10/02/2026. All loans are subject to credit approval. Membership required. Certain restrictions may apply.","eligibilityConditionSources":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T17:26:18.358Z","sources":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:balance_transfer:regular:conditions"},{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"purpose":"balance_transfer","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":949,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":2749,"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":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are variable and are subject to change. Rates are based on Prime Rate and are accurate as of 10/02/2026. All loans are subject to credit approval. Membership required. Certain restrictions may apply.","eligibilityConditionSources":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:balance_transfer:regular:conditions"}],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T17:26:18.358Z","sources":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:purchase:introductory:all:0"},{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:purchase:introductory:conditions"}],"purpose":"purchase","phase":"introductory","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":null,"rateTypeNullReason":"not_disclosed","minimumBps":0,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":0,"maximumBpsNullReason":null,"indexName":null,"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":12,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":"not_applicable","eligibilityConditions":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are variable and are subject to change. Rates are based on Prime Rate and are accurate as of 10/02/2026. All loans are subject to credit approval. Membership required. Certain restrictions may apply.","eligibilityConditionSources":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:purchase:introductory:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:purchase:introductory:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T17:26:18.358Z","sources":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"},{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"purpose":"purchase","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":949,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":2749,"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":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are variable and are subject to change. Rates are based on Prime Rate and are accurate as of 10/02/2026. All loans are subject to credit approval. Membership required. Certain restrictions may apply.","eligibilityConditionSources":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"}],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"974974ea61b4b78f374d6626e5dd3ed3","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Platinum Visa® introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Platinum Visa® after twelve month introductory period range from 9.49% – 27.49% APR. Introductory rate offered only for new Platinum credit cards and does not apply to increases, conversions or re-opening of a closed credit card. Rates are…","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T17:26:18.358Z","sources":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"cc9455b052a2935e40cdf9b697abd5b4","pageNumber":null,"quote":"no annual fee","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","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":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T17:26:18.358Z","sources":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"1a17182524a7636ebf42a1c4e7d01bc2","pageNumber":null,"quote":"No Application Fee or Annual Fee","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"fee:application:1"}],"feeType":"application","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 Application Fee or Annual Fee"}],"cardTerms":null,"partialCardNetwork":{"network":"visa","sources":[{"snapshotId":"53869","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:26:18.358Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/platinum-visa/","passageId":"788754dcc16c1877698921d25fbf3953","pageNumber":null,"quote":"Vantage West Platinum Visa","recordId":"official-issuer:page:url:6a3a5ab1287bbd40c9c188ee430b601c7971c4c4c8caebbee2cf657637925bda","recordFields":[],"fieldKey":"network"}]},"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[{"snapshotId":"48431","path":"vantage-west-credit-union/consumer-credit-card-agreement-and-disclosure","title":"Consumer Credit Card Agreement and Disclosure","documentType":"official_issuer_agreement","effectiveDate":null,"effectiveDateNullReason":"not_parsed","issuer":{"name":"Vantage West Credit Union","handle":"vantage-west-credit-union"},"identityDeclarations":[{"passageId":"d13f471703053d2fc083fdf61afa4864","pageNumber":1,"name":"PLATINUM VISA"}]},{"snapshotId":"48432","path":"vantage-west-credit-union/visa-application-and-solicitation-disclosure","title":"Visa Application and Solicitation Disclosure","documentType":"official_issuer_agreement","effectiveDate":null,"effectiveDateNullReason":"not_parsed","issuer":{"name":"Vantage West Credit Union","handle":"vantage-west-credit-union"},"identityDeclarations":[{"passageId":"d28d170c9c89d05b63bea03f6b03708d","pageNumber":1,"name":"PLATINUM VISA"}]},{"snapshotId":"48433","path":"vantage-west-credit-union/visa-solicitation-01-01-2026","title":"Visa Solicitation_01.01.2026","documentType":"official_issuer_agreement","effectiveDate":null,"effectiveDateNullReason":"not_parsed","issuer":{"name":"Vantage West Credit Union","handle":"vantage-west-credit-union"},"identityDeclarations":[{"passageId":"46361cc23c554512ffc2a8793aa55a88","pageNumber":1,"name":"PLATINUM VISA"}]}]}}