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CreditCard

Canonical URL: http://schema.org/CreditCard

Thing > Intangible > Service > FinancialProduct > LoanOrCredit > CreditCard
Thing > Intangible > Service > FinancialProduct > PaymentCard > CreditCard

A card payment method of a particular brand or name. Used to mark up a particular payment method and/or the financial product/service that supplies the card account.

Commonly used values:


Usage: Between 10 and 100 domains
PropertyExpected TypeDescription
Properties from CreditCard
monthlyMinimumRepaymentAmount MonetaryAmount  or
Number 
The minimum payment is the lowest amount of money that one is required to pay on a credit card statement each month.
Properties from LoanOrCredit
amount MonetaryAmount  or
Number 
The amount of money.
currency Text The currency in which the monetary amount is expressed (in 3-letter ISO 4217 format).
gracePeriod Duration The period of time after any due date that the borrower has to fulfil its obligations before a default (failure to pay) is deemed to have occurred.
loanRepaymentForm RepaymentSpecification A form of paying back money previously borrowed from a lender. Repayment usually takes the form of periodic payments that normally include part principal plus interest in each payment.
loanTerm QuantitativeValue The duration of the loan or credit agreement.
loanType Text  or
URL 
The type of a loan or credit.
recourseLoan Boolean The only way you get the money back in the event of default is the security. Recourse is where you still have the opportunity to go back to the borrower for the rest of the money.
renegotiableLoan Boolean Whether the terms for payment of interest can be renegotiated during the life of the loan.
requiredCollateral Text  or
Thing 
Assets required to secure loan or credit repayments. It may take form of third party pledge, goods, financial instruments (cash, securities, etc.)
Properties from FinancialProduct
annualPercentageRate Number  or
QuantitativeValue 
The annual rate that is charged for borrowing (or made by investing), expressed as a single percentage number that represents the actual yearly cost of funds over the term of a loan. This includes any fees or additional costs associated with the transaction.
feesAndCommissionsSpecification Text  or
URL 
Description of fees, commissions, and other terms applied either to a class of financial product, or by a financial service organization.
interestRate Number  or
QuantitativeValue 
The interest rate, charged or paid, applicable to the financial product. Note: This is different from the calculated annualPercentageRate.
Properties from Service
aggregateRating AggregateRating The overall rating, based on a collection of reviews or ratings, of the item.
areaServed AdministrativeArea  or
GeoShape  or
Place  or
Text 
The geographic area where a service or offered item is provided. Supersedes serviceArea.
audience Audience An intended audience, i.e. a group for whom something was created. Supersedes serviceAudience.
availableChannel ServiceChannel A means of accessing the service (e.g. a phone bank, a web site, a location, etc.).
award Text An award won by or for this item. Supersedes awards.
brand Brand  or
Organization 
The brand(s) associated with a product or service, or the brand(s) maintained by an organization or business person.
broker Organization  or
Person 
An entity that arranges for an exchange between a buyer and a seller. In most cases a broker never acquires or releases ownership of a product or service involved in an exchange. If it is not clear whether an entity is a broker, seller, or buyer, the latter two terms are preferred. Supersedes bookingAgent.
category PhysicalActivityCategory  or
Text  or
Thing 
A category for the item. Greater signs or slashes can be used to informally indicate a category hierarchy.
hasOfferCatalog OfferCatalog Indicates an OfferCatalog listing for this Organization, Person, or Service.
hoursAvailable OpeningHoursSpecification The hours during which this service or contact is available.
isRelatedTo Product  or
Service 
A pointer to another, somehow related product (or multiple products).
isSimilarTo Product  or
Service 
A pointer to another, functionally similar product (or multiple products).
logo ImageObject  or
URL 
An associated logo.
offers Offer An offer to provide this item—for example, an offer to sell a product, rent the DVD of a movie, perform a service, or give away tickets to an event.
provider Organization  or
Person 
The service provider, service operator, or service performer; the goods producer. Another party (a seller) may offer those services or goods on behalf of the provider. A provider may also serve as the seller. Supersedes carrier.
providerMobility Text Indicates the mobility of a provided service (e.g. 'static', 'dynamic').
review Review A review of the item. Supersedes reviews.
serviceOutput Thing The tangible thing generated by the service, e.g. a passport, permit, etc. Supersedes produces.
serviceType Text The type of service being offered, e.g. veterans' benefits, emergency relief, etc.
termsOfService Text  or
URL 
Human-readable terms of service documentation.
Properties from PaymentCard
cashBack Boolean  or
Number 
A cardholder benefit that pays the cardholder a small percentage of their net expenditures.
contactlessPayment Boolean A secure method for consumers to purchase products or services via debit, credit or smartcards by using RFID or NFC technology.
floorLimit MonetaryAmount A floor limit is the amount of money above which credit card transactions must be authorized.
Properties from Enumeration
supersededBy Class  or
Enumeration  or
Property 
Relates a term (i.e. a property, class or enumeration) to one that supersedes it.
Properties from Thing
additionalType URL An additional type for the item, typically used for adding more specific types from external vocabularies in microdata syntax. This is a relationship between something and a class that the thing is in. In RDFa syntax, it is better to use the native RDFa syntax - the 'typeof' attribute - for multiple types. Schema.org tools may have only weaker understanding of extra types, in particular those defined externally.
alternateName Text An alias for the item.
description Text A description of the item.
disambiguatingDescription Text A sub property of description. A short description of the item used to disambiguate from other, similar items. Information from other properties (in particular, name) may be necessary for the description to be useful for disambiguation.
identifier PropertyValue  or
Text  or
URL 
The identifier property represents any kind of identifier for any kind of Thing, such as ISBNs, GTIN codes, UUIDs etc. Schema.org provides dedicated properties for representing many of these, either as textual strings or as URL (URI) links. See background notes for more details.
image ImageObject  or
URL 
An image of the item. This can be a URL or a fully described ImageObject.
mainEntityOfPage CreativeWork  or
URL 
Indicates a page (or other CreativeWork) for which this thing is the main entity being described. See background notes for details.
Inverse property: mainEntity.
name Text The name of the item.
potentialAction Action Indicates a potential Action, which describes an idealized action in which this thing would play an 'object' role.
sameAs URL URL of a reference Web page that unambiguously indicates the item's identity. E.g. the URL of the item's Wikipedia page, Wikidata entry, or official website.
subjectOf CreativeWork  or
Event 
A CreativeWork or Event about this Thing..
Inverse property: about.
url URL URL of the item.

Acknowledgements

This class is derived from the GoodRelations Vocabulary for E-Commerce, created by Martin Hepp. GoodRelations is a data model for sharing e-commerce data on the Web that can be expressed in a variety of syntaxes, including RDFa and HTML5 Microdata. More information about GoodRelations can be found at http://purl.org/goodrelations/.

This element is based on the work of the Financial Industry Business Ontology project (see http://www.fibo.org/schema for details), in support of the W3C Financial Industry Business Ontology Community Group (http://www.fibo.org/community). Many class and property definitions are inspired by or based on http://www.fibo.org.



Examples

Example 1
ExampleBank® Platinum Cashback Credit Card
Credit limit of £1,200.
Annual fee £25
Representative 28.2% APR variable.
Interest rate for purchases: 22.9%
An ongoing 1.25% cashback on virtually every full pound you spend.
45 days grace period.
You can now use your ExampleBank® Card to pay using contactless for everyday items in thousands of shops, restaurants and bars.
<div itemscope itemtype="http://schema.org/CreditCard">
    <span itemprop="name">ExampleBank® Platinum Cashback Credit Card</span>
    <span itemprop="amount" itemscope itemtype="http://schema.org/MonetaryAmount">Credit limit of <span itemprop="currency" content="GBP">£</span><span itemprop="minAmount">1200</span>.</span>
    <span itemprop="offers" itemscope itemtype="http://schema.org/Offer">
      <meta itemprop="offeredBy" content="ExampleBank"/>
      <span itemprop="priceSpecification" itemscope itemtype="http://schema.org/UnitPriceSpecification">Annual fee
        <span itemprop="priceCurrency" content="GBP">£</span>
        <span itemprop="price">25</span>
        <span itemprop="referenceQuantity" itemscope itemtype="http://schema.org/QuantitativeValue">
            <meta itemprop="value" content="1"/><meta itemprop="unitCode" content="ANN"/>
        </span>
      </span>
    </span>
    <span>Representative <span itemprop="annualPercentageRate">28.2</span>% APR variable.</span>
    <span>Interest rate for purchases: <span itemprop="interestRate">22.9</span>%</span>
    <span>An ongoing <span itemprop="cashBack">1.25</span>% cashback on virtually every full pound you spend.</span>
    <span itemprop="gracePeriod" content="P45D">45 days grace period.</span>
    <span itemprop="contactlessPayment" content="true">You can now use your ExampleBank® Card to pay using contactless for everyday items in thousands of shops, restaurants and bars.</span>
</div>
<div vocab="http://schema.org/" typeof="CreditCard">
    <span property="name">ExampleBank® Platinum Cashback Credit Card</span>
    <span property="amount" typeof="MonetaryAmount">Credit limit of <span property="currency" content="GBP">£</span><span property="minAmount">1200</span>.</span>
    <span property="offers" typeof="Offer">
      <meta property="offeredBy" content="ExampleBank"/>
      <span property="priceSpecification" typeof="UnitPriceSpecification">Annual fee
        <span property="priceCurrency" content="GBP">£</span>
        <span property="price">25</span>
        <span property="referenceQuantity" typeof="QuantitativeValue">
            <meta property="value" content="1"/><meta property="unitCode" content="ANN"/>
        </span>
      </span>
    </span>
    <span>Representative <span property="annualPercentageRate">28.2</span>% APR variable.</span>
    <span>Interest rate for purchases: <span property="interestRate">22.9</span>%</span>
    <span>An ongoing <span property="cashBack">1.25</span>% cashback on virtually every full pound you spend.</span>
    <span property="gracePeriod" content="P45D">45 days grace period.</span>
    <span property="contactlessPayment" content="true">You can now use your ExampleBank® Card to pay using contactless for everyday items in thousands of shops, restaurants and bars.</span>
</div>
<script type="application/ld+json">
{
  "@context": "http://schema.org",
  "@type": "CreditCard",
  "name": "ExampleBank® Platinum Cashback Credit Card",
  "amount": {
      "@type": "MonetaryAmount",
      "minAmount": "1200",
      "currency": "GBP"
  },
  "offers": {
      "@type": "Offer",
      "offeredBy": {
        "@type": "BankOrCreditUnion",
        "name":"ExampleBank"
      },
      "priceSpecification": {
        "@type": "UnitPriceSpecification",
        "price": "25",
        "priceCurrency": "GBP",
        "referenceQuantity": {
          "@type": "QuantitativeValue",
          "value": "1",
          "unitCode": "ANN"
        }
      }
  },
  "annualPercentageRate": "28.2",
  "interestRate": "22.9",
  "cashBack": "1.25",
  "gracePeriod": "P45D",
  "contactlessPayment": "true"
}
</script>
Example 2
Wells Fargo Secured Visa® Credit Card
Requires a minimum $300 security deposit.
When you apply, you provide a minimum security deposit of at least $300, or up to $10,000.
Annual fee $25
Annual Percentage Rate (APR) Currently, a variable 18.99% APR on purchases. (These APRs do not apply to cash advances.)
<a href="https://www.wellsfargo.com/credit-cards/secured/terms/">Full terms and conditions</a>
<div itemscope itemtype="http://schema.org/CreditCard">
    <span itemprop="name">Wells Fargo Secured Visa® Credit Card</span>
    <span itemprop="loanCollateral">Requires a minimum $300 security deposit.</span>
    <span itemprop="amount" itemscope itemtype="http://schema.org/MonetaryAmount">When you apply, you provide a minimum security deposit of at least
      <span itemprop="currency" content="USD">$</span>
      <span itemprop="minValue">300</span>, or up to $
      <span itemprop="maxValue" content="10000">10,000</span>.
    </span>
    <span itemprop="offers" itemscope itemtype="http://schema.org/Offer">
      <meta itemprop="offeredBy" content="Wells Fargo"/>
      <span itemprop="priceSpecification" itemscope itemtype="http://schema.org/UnitPriceSpecification">Annual fee
        <span itemprop="priceCurrency" content="USD">$</span>
        <span itemprop="price">25</span>
        <span itemprop="referenceQuantity" itemscope itemtype="http://schema.org/QuantitativeValue">
            <meta itemprop="value" content="1"/><meta itemprop="unitCode" content="ANN"/>
        </span>
      </span>
    </span>
    <span>Annual Percentage Rate (APR) Currently, a variable
      <span itemprop="annualPercentageRate">18.99</span>% APR on purchases. (These APRs do not apply to cash advances.)
    </span>
    <a itemprop="feesAndCommissionsSpecification" href="https://www.wellsfargo.com/credit-cards/secured/terms/">Full terms and conditions</a>
</div>
<div vocab="http://schema.org/" typeof="CreditCard">
    <span property="name">Wells Fargo Secured Visa® Credit Card</span>
    <span property="loanCollateral">Requires a minimum $300 security deposit.</span>
    <span property="amount" typeof="MonetaryAmount">When you apply, you provide a minimum security deposit of at least
      <span property="currency" content="USD">$</span>
      <span property="minValue">300</span>, or up to $
      <span property="maxValue" content="10000">10,000</span>.
    </span>
    <span property="offers" typeof="Offer">
      <meta property="offeredBy" content="Wells Fargo"/>
      <span property="priceSpecification" typeof="UnitPriceSpecification">Annual fee
        <span property="priceCurrency" content="USD">$</span>
        <span property="price">25</span>
        <span property="referenceQuantity" typeof="QuantitativeValue">
            <meta property="value" content="1"/>
            <meta property="unitCode" content="ANN"/>
        </span>
      </span>
    </span>
    <span>Annual Percentage Rate (APR) Currently, a variable
      <span property="annualPercentageRate">18.99</span>% APR on purchases. (These APRs do not apply to cash advances.)
    </span>
    <a property="feesAndCommissionsSpecification" href="https://www.wellsfargo.com/credit-cards/secured/terms/">Full terms and conditions</a>
</div>
<script type="application/ld+json">
{
  "@context": "http://schema.org",
  "@type": "CreditCard",
  "name": "Wells Fargo Secured Visa® Credit Card",
  "loanCollateral": "Requires a minimum $300 security deposit.",
  "amount": {
      "@type": "MonetaryAmount",
      "minValue": "300",
      "maxValue": "10000",
      "currency": "USD"
  },
  "offers": {
      "@type": "Offer",
      "offeredBy": {
        "@type": "BankOrCreditUnion",
        "name":"Wells Fargo"
      },
      "priceSpecification": {
        "@type": "UnitPriceSpecification",
        "price": "25",
        "priceCurrency": "USD",
        "referenceQuantity": {
          "@type": "QuantitativeValue",
          "value": "1",
          "unitCode": "ANN"
        }
      }
  },
  "annualPercentageRate": "18.99",
  "feesAndCommissionsSpecification": "https://www.wellsfargo.com/credit-cards/secured/terms/"
}
</script>

Schema Version 3.3