{"slug":"xcel-federal-credit-union-visa-platinum-rewards","category":"card","institutionSlug":"xcel-federal-credit-union","product":"Visa Platinum Rewards","title":"Xcel Federal Credit Union Visa Platinum Rewards: 5,000 points bonus","bonus":"5,000 points","unit":"points","amount":5000,"reqShort":"Spend $1,000+ in 60 days of account opening","expiresOn":null,"status":"live","verifiedOn":"2026-08-16","reports":0,"openIssues":0,"states":["NJ","NY"],"referralGated":false,"hardPull":true,"chex":null,"fee":"Not stated on this page","keep":"Account must be open, active, and in good standing when the bonus is awarded","posts":"Within 90 days after the spending requirement is met","applyDomain":"xcelfcu.org","applyUrl":"https://www.xcelfcu.org/Explore/Whats-New/Campaigns","summary":"New Xcel Visa Platinum Rewards cardholders can earn 5,000 bonus points by spending $1,000 or more in eligible purchases within 60 days of opening the account. The points post to your UChoose Rewards account within 90 days after you meet the spending requirement.","reqSteps":["Apply for and open a new Xcel Visa Platinum Rewards credit card.","Spend $1,000 or more in eligible purchases within 60 days of account opening.","Keep the account open, active, and in good standing.","Receive 5,000 bonus points credited to your UChoose Rewards account within 90 days after meeting the spending requirement."],"finePrint":["Eligible purchases include new retail transactions only and exclude balance transfers, cash advances, ATM transactions, fees, interest charges, and returned purchases.","The account must remain open, active, and in good standing at the time the bonus is awarded.","Offer is available for a limited time and valid only for new Xcel Federal Credit Union credit cardholders.","This offer may be modified or discontinued at any time."],"listedOn":"2026-08-16","listedAt":"2026-08-16T13:06:49.104Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"xcelfcu.org offer page","url":"https://www.xcelfcu.org/Explore/Whats-New/Campaigns","checkedOn":"2026-08-16"}],"needsVerification":false}