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We group certain merchant codes into categories that are eligible for the Bonus Category Points. A purchase with a merchant will not earn Bonus Category Points if the merchant’s code is not included in our Dining, Entertainment and Groceries category.","recordId":"official-issuer:page:url:adc60b85adb379ce2ca149b144c3fbf463e384968b63699c9bd6da467bc58e27","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}],"benefitKey":"cash-153","benefitKind":"cashback_earnings","percentBps":200,"percentNullReason":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","amountCents":null,"amountNullReason":"not_applicable","amountIsUpperBound":false,"minimumQualifyingSpendCents":null,"minimumSpendNullReason":"not_applicable","qualifyingDaysAfterAccountOpening":null,"qualifyingDaysNullReason":"not_applicable","recurrenceMonths":null,"recurrenceMonthsNullReason":"not_applicable","recurrenceAnchor":null,"recurrenceAnchorNullReason":"not_applicable","payoutStatementCyclesMinimum":null,"payoutStatementCyclesMaximum":null,"payoutStatementCyclesNullReason":"not_disclosed","conditions":"2% Cash Back on Dining, Entertainment & Groceries","qualificationConditions":"Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for the Bonus Category Points. A purchase with a merchant will not earn Bonus Category Points if the merchant’s code is not included in our Dining, Entertainment and Groceries category.","qualificationConditionSources":[{"snapshotId":"53867","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:25:50.946Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/signature-rewards-visa/","passageId":"f841f73aba7f30beffc0aff1101fa38d","pageNumber":null,"quote":"Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for the Bonus Category Points. A purchase with a merchant will not earn Bonus Category Points if the merchant’s code is not included in our Dining, Entertainment and Groceries category.","recordId":"official-issuer:page:url:adc60b85adb379ce2ca149b144c3fbf463e384968b63699c9bd6da467bc58e27","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}]}],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_apr","fieldKey":"unparsed-194","reason":"unparsed_value","detail":"APR disclosure retained without a supplied capture date; effective date is not inferred.","sources":[{"snapshotId":"53867","sourceKind":"official_issuer","publisherName":"VANTAGE WEST","capturedAt":"2026-10-14T17:25:50.946Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://vantagewest.org/personal/credit-cards/signature-rewards-visa/","passageId":"856c707e7a56fce152f5cb8d718253d1","pageNumber":null,"quote":"Card type and APR are based on creditworthiness. Signature Rewards Visa introductory rates are 0.00%, for twelve months, for qualifying members. Standard rates for the Signature Rewards Visa after a twelve month introductory period range from 17.49% – 29.49% APR. Introductory rate offered only for new Signature Rewards credit cards and does not apply to increases, conversions or re-opening of a c…","recordId":"official-issuer:page:url:adc60b85adb379ce2ca149b144c3fbf463e384968b63699c9bd6da467bc58e27","recordFields":[],"fieldKey":"withheld:card_apr:unparsed-194"}]}],"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":"bf252a54c72763f44740e0f8c82fbf10","pageNumber":1,"name":"SIGNATURE REWARDS 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":"00d7b9978119059a1b26da8ee9e424f1","pageNumber":1,"name":"SIGNATURE REWARDS 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":"c791d868cff8b3bc6787d9877a0e5df5","pageNumber":1,"name":"SIGNATURE REWARDS VISA"}]}]}}