{ "_README": [ "MASTER BENEFIT FILE \u2014 generated from the 224-card research database.", "Source generated 2026-08-21; converted 2026-08-21 by convert_db.py.", "Card terms change constantly. Each record carries verified_date and sources. Confirm with the issuer before acting.", "", "pointValues are ESTIMATES in DOLLARS per point (0.01 = 1 cent) and drive every dollar figure", "in the app. Edit them in Settings to match how you actually redeem.", "", "Per-card `conversionNotes` record anything in the source that the app's", "schema could not express. Nothing was dropped silently.", "", "earn[].quartersUnknown = true means a rotating-category card whose published", "categories aren't loaded; the engine scores it at the base rate rather than", "assuming a bonus. Fill in `quarters` to fix.", "", "conditionalCredits are spend- or status-gated (e.g. $250k prior-year spend).", "They are shown but excluded from break-even and at-risk math." ], "schemaVersion": "1.1", "generatedAt": "2026-09-03", "source": "research database, 224 cards, verified 2026-08-21", "pointValues": { "_note": "DOLLARS per point (CASH 0.01 = 1 cent per point/percent). Estimates \u2014 tune to your redemptions. WYNDHAM and ATMOS_REWARDS are legacy aliases of WYNDHAM_REWARDS and ALASKA; cards use the canonical keys.", "CASH": 0.01, "DISCOVER_CASH": 0.01, "REWARD_DOLLARS": 0.01, "POINTS": 0.01, "MR": 0.011, "UR": 0.0125, "C1": 0.013, "TY": 0.011, "THANKYOU_POINTS": 0.011, "USB_POINTS": 0.01, "BOFA_POINTS": 0.01, "BARCLAYS_POINTS": 0.011, "DELTA_SKYMILES": 0.0115, "UNITED_MILES": 0.0125, "AA_MILES": 0.0135, "AADVANTAGE": 0.0135, "ALASKA": 0.014, "ATMOS_REWARDS": 0.014, "SOUTHWEST_RR": 0.012, "JETBLUE_TRUEBLUE": 0.013, "TRUEBLUE": 0.013, "FLYING_BLUE": 0.012, "AVIOS": 0.013, "AEROPLAN": 0.0135, "FRONTIER_MILES": 0.01, "ALLEGIANT_POINTS": 0.01, "SKYWARDS_MILES": 0.012, "HILTON": 0.005, "MARRIOTT": 0.007, "HYATT": 0.015, "IHG": 0.005, "WYNDHAM_REWARDS": 0.006, "WYNDHAM": 0.006, "CHOICE_PRIVILEGES": 0.006, "ROYAL_ONE_POINTS": 0.01, "NCL_POINTS": 0.01, "SANDALS_POINTS": 0.01, "HOMEDEPOT_PROXTRA_PERKS": 0.01, "BLOOMINGDALES_LOYALLIST_POINTS": 0.01, "MACYS_STAR_MONEY": 0.01, "BESTBUY_REWARD_CERTIFICATES": 0.01, "TSC_REWARDS": 0.01, "BEAN_BUCKS": 0.01, "WF_POINTS": 0.01, "BILT": 0.018, "USAA_POINTS": 0.01, "NFCU_POINTS": 0.01, "PENFED_POINTS": 0.0085, "SCENE_PLUS": 0.01, "AVION": 0.015, "AVENTURA": 0.01, "BMO_REWARDS": 0.007, "MR_CA": 0.01, "WESTJET": 0.013, "CT_MONEY": 0.01, "PC_OPTIMUM": 0.001, "NBC_REWARDS": 0.01, "PUNTOS_BBVA": 0.07, "MR_MX": 0.08, "THANKYOU_MX": 0.1, "BANORTE_RECOMPENSAS": 0.04 }, "cards": [ { "id": "amex_business_platinum", "name": "The Business Platinum Card from American Express", "shortName": "Business Platinum Card", "issuer": "American Express", "network": "American Express", "currency": "MR", "annualFee": 895, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 5, "note": "Booked through American Express Travel (amextravel.com) only, including Fine Hotels + Resorts and The Hotel Collection prepaid hotels; flights bought directly from airlines earn 1x (1.5x on $5,000+ purchases)", "portalOnly": true, "brand": "American Express Travel (amextravel.com)" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "amex_business_platinum-prepaid-hotel-credit-fine-hotels-r", "label": "Prepaid Hotel Credit (Fine Hotels + Resorts / The Hotel Collection)", "amount": 600, "period": "year", "cadence": "semiannual", "categories": [ "hotels" ], "note": "Up to $300 Jan-Jun and up to $300 Jul-Dec on prepaid bookings via AmexTravel.com" }, { "id": "amex_business_platinum-hilton-for-business-credit", "label": "Hilton for Business Credit", "amount": 200, "period": "year", "cadence": "quarterly", "categories": [ "hotels" ], "enrollmentRequired": true, "note": "Registers you for a Hilton for Business account if you don't have one" }, { "id": "amex_business_platinum-airline-fee-credit", "label": "Airline Fee Credit", "amount": 200, "period": "year", "cadence": "annual", "categories": [ "flights" ], "note": "Requires selecting one qualifying airline" }, { "id": "amex_business_platinum-clear-credit", "label": "CLEAR+ Credit", "amount": 219, "period": "year", "cadence": "annual", "categories": [ "travel" ], "note": "Auto-renewing membership, excludes taxes/fees" }, { "id": "amex_business_platinum-chatgpt-business-credit", "label": "ChatGPT Business Credit", "amount": 300, "period": "year", "cadence": "annual", "categories": [], "enrollmentRequired": true, "note": "Subject to auto-renewal", "automatic": true }, { "id": "amex_business_platinum-adobe-credit", "label": "Adobe Credit", "amount": 250, "period": "year", "cadence": "annual", "categories": [], "enrollmentRequired": true, "note": "NEW in the 2025 refresh; requires $600+ spend directly with Adobe in the calendar year", "automatic": true }, { "id": "amex_business_platinum-indeed-credit", "label": "Indeed Credit", "amount": 360, "period": "year", "cadence": "quarterly", "categories": [], "enrollmentRequired": true, "automatic": true }, { "id": "amex_business_platinum-wireless-telephone-credit", "label": "Wireless Telephone Credit", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "phone" ], "enrollmentRequired": true } ], "conditionalCredits": [ { "id": "amex_business_platinum-dell-technologies-credit", "label": "Dell Technologies Credit", "amount": 1150, "period": "year", "cadence": "annual", "categories": [], "enrollmentRequired": true, "note": "Up to $150 with no spend requirement, plus an additional $1,000 after spending $5,000+ at Dell in the calendar year. Restructured from a flat $400/yr (2x$200 biannual) credit in July 2025.", "automatic": true, "conditional": true, "gate": "Enrollment required. Only $150 is unconditional; the remaining $1,000 requires $5,000+ in US Dell spend in the year." }, { "id": "amex_business_platinum-american-express-one-ap-credit", "label": "American Express One AP Credit", "amount": 2400, "period": "year", "cadence": "annual", "categories": [], "note": "Only unlocked after spending $250,000 on the card in a calendar year; credits apply the following calendar year toward One AP accounts-payable platform fees", "automatic": true, "conditional": true, "gate": "Requires $250,000 in card spend in the prior calendar year AND being an Amex One AP customer paying its fees on the card." }, { "id": "amex_business_platinum-amex-travel-online-flight-credit", "label": "Amex Travel Online Flight Credit", "amount": 1200, "period": "year", "cadence": "annual", "categories": [ "flights" ], "note": "Only unlocked after spending $250,000 on the card in a calendar year; credits apply the following calendar year", "conditional": true, "gate": "Requires $250,000 in card spend in the prior calendar year. Flights must be booked online at AmexTravel.com." } ], "perks": [ "Global Lounge Collection: 1,550+ airport lounges including The Centurion Lounge", "10 complimentary Delta Sky Club visits per year on eligible Delta flights", "Priority Pass Select membership (enrollment required)", "Marriott Bonvoy Gold Elite Status (enrollment required)", "Hilton Honors Gold Status (enrollment required)", "Leaders Club Sterling Status with The Leading Hotels of the World (enrollment required)", "Complimentary elite status with Avis, Hertz, National car rental programs", "Car Rental Loss and Damage Insurance" ], "signup": { "bonusPoints": 300000, "spendReq": 20000, "months": 3, "note": "Amex advertises this as 'as high as' \u2014 the offer is targeted and varies by applicant; many see a lower bonus. Check your personal offer before applying.", "offerVerifiedDate": "2026-09-14", "checkNote": "Amex renders the welcome offer client-side; a fetch sees an empty shell. `npm run offer-check-browser` reads it." }, "verifiedDate": "2026-09-03", "sources": [ "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex/", "https://thepointsguy.com/news/amex-business-platinum-enhances-adobe-dell-statement-credits/", "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/compare-credit-cards/compare-flexible-payment-credit-cards/" ], "conversionNotes": [ "Extra base-rate tier not expressible: 2x (Key U.S. business categories (construction material & hardware suppliers, electronic goods).", "One-time credit not modelled: Global Entry / TSA PreCheck Fee Credit ($120)." ], "country": "US", "offerVaries": true, "officialUrl": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex/" }, { "id": "amex_delta_reserve_business", "name": "Delta SkyMiles\u00ae Reserve Business American Express Card", "shortName": "Delta SkyMiles\u00ae Reserve Business", "issuer": "American Express", "network": "Amex", "currency": "DELTA_SKYMILES", "annualFee": 650, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 3, "note": "Delta only: Delta - purchases made directly with Delta; not other airlines", "portalOnly": true, "brand": "Delta" }, { "category": "transit", "rate": 1.5, "note": "eligible transit, U.S. shipping providers, and U.S. office supply store purchases" }, { "category": "*", "rate": 1, "note": "1 mile per $1. After $150,000 in eligible purchases in a calendar year, earns 0.5 additional (1.5 miles per $1) for the rest of that year; not modeled." } ], "credits": [ { "id": "amex_delta_reserve_business-resy-credit", "label": "Resy Credit", "amount": 240, "period": "year", "cadence": "monthly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "Up to $20/month, up to $240/year" }, { "id": "amex_delta_reserve_business-rideshare-credit", "label": "Rideshare Credit", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "rideshare" ], "enrollmentRequired": true, "note": "Up to $10/month, up to $120/year" }, { "id": "amex_delta_reserve_business-delta-stays-credit", "label": "Delta Stays Credit", "amount": 250, "period": "year", "cadence": "annual", "categories": [ "hotels" ], "note": "Up to $250 back per year" } ], "perks": [ "Delta Sky Club Access: 15 visits per Medallion Year when flying Delta same-day, plus 4 one-time guest passes each Medallion Year; unlimited access after $75,000 in card purchases in a calendar year", "Complimentary access to The Centurion Lounge (incl. Sidecar by The Centurion Lounge) and Escape Lounges when Delta flight is booked with the card", "Companion Certificate: one Delta First, Comfort+, or Main round-trip companion ticket (domestic, Caribbean, or Central America) each year after Card renewal; traveler pays taxes/fees of $22-$250", "MQD Headstart: $2,500 Medallion Qualification Dollars each Medallion Qualification Year", "MQD Boost: $1 MQD for every $10 spent on the card", "TakeOff 15: 15% off Award Travel booked with miles", "Upgrade Priority over other Card Members of the same Medallion tier/fare", "First checked bag free worldwide, second bag free on domestic Delta flights" ], "signup": { "bonusPoints": 200000, "spendReq": 20000, "months": 6, "note": "Was 80,000 before this limited-time offer.", "offerVerifiedDate": "2026-09-15", "offerEnds": "2026-11-04", "checkNote": "Amex renders the welcome offer client-side; a fetch sees an empty shell. `npm run offer-check-browser` reads it." }, "verifiedDate": "2026-09-15", "sources": [ "https://www.americanexpress.com/en-us/business/credit-cards/delta-skymiles-reserve/", "https://www.forbes.com/advisor/credit-cards/reviews/delta-skymiles-reserve-business-american-express-card/", "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/delta-skymiles-reserve/45094-9-0" ], "country": "US", "officialUrl": "https://www.americanexpress.com/en-us/business/credit-cards/delta-skymiles-reserve/" }, { "id": "amex_business_gold", "name": "American Express Business Gold Card", "issuer": "American Express", "network": "American Express", "currency": "MR", "annualFee": 375, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 3, "note": "Flights and prepaid hotels booked on AmexTravel.com" }, { "category": "CHOICE", "rate": 4, "cap": 150000, "capPeriod": "year", "note": "4X on the 2 eligible categories where the business spends most each billing cycle, from 6: U.S. advertising in select media, U.S. electronics goods retailers and software & cloud system providers (no category in this taxonomy), U.S. restaurants, U.S. gas stations, transit, U.S. wireless telephone service. The $150,000 cap is COMBINED across both, per calendar year; then 1X. Issuer terms: \"Basic Card Members will also get 3 additional points per dollar (for a total of 4 points) for eligible purchases in the 2 categories (of 6) where the Card Account had the most eligible purchases each billing period, up to the first $150,000 in combined eligible purchases from these categories each calendar year across the Card Account.\"", "choice": true, "choiceOptions": [ "advertising", "dining", "gas", "transit", "phone" ], "capGroup": "top_2_categories" }, { "category": "CHOICE", "rate": 4, "cap": 150000, "capPeriod": "year", "note": "4X on the 2 eligible categories where the business spends most each billing cycle, from 6: U.S. advertising in select media, U.S. electronics goods retailers and software & cloud system providers (no category in this taxonomy), U.S. restaurants, U.S. gas stations, transit, U.S. wireless telephone service. The $150,000 cap is COMBINED across both, per calendar year; then 1X. Issuer terms: \"Basic Card Members will also get 3 additional points per dollar (for a total of 4 points) for eligible purchases in the 2 categories (of 6) where the Card Account had the most eligible purchases each billing period, up to the first $150,000 in combined eligible purchases from these categories each calendar year across the Card Account.\"", "choice": true, "choiceOptions": [ "advertising", "dining", "gas", "transit", "phone" ], "capGroup": "top_2_categories" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "amex_business_gold-flexible-business-credit", "label": "Flexible Business Credit", "amount": 240, "period": "year", "cadence": "monthly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "FedEx portion of this credit is scheduled to end 10/01/2026 per official terms; Grubhub and Office Supply Stores portions not stated to expire", "endsOn": "2026-10-01" }, { "id": "amex_business_gold-chatgpt-business-credit", "label": "ChatGPT Business Credit", "amount": 300, "period": "year", "cadence": "annual", "categories": [], "enrollmentRequired": true, "note": "NEW; subject to auto-renewal", "automatic": true }, { "id": "amex_business_gold-squarespace-credit", "label": "Squarespace Credit", "amount": 150, "period": "year", "cadence": "annual", "categories": [], "enrollmentRequired": true, "note": "Subscription purchases subject to auto-renewal", "automatic": true }, { "id": "amex_business_gold-walmart-membership-credit", "label": "Walmart+ Membership Credit", "amount": 155, "period": "year", "cadence": "monthly", "categories": [ "other" ], "note": "Up to $12.95 plus applicable local sales tax; Plus Ups not eligible; membership subject to auto-renewal" } ], "perks": [ "No Preset Spending Limit", "Pay Over Time option", "Card design choice: Gold, Rose Gold, or White Gold", "The Hotel Collection: $100 property credit + room upgrade when available on 2+ night Amex Travel bookings (avg. value ~$150/stay)", "Cell Phone Protection (up to $800/claim, 2 claims/12mo)", "Purchase Protection and Extended Warranty", "Baggage Insurance Plan", "Trip Delay Insurance (up to $300/trip, 2 claims/12mo)" ], "verifiedDate": "2026-09-15", "sources": [ "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/", "https://www.americanexpress.com/en-us/business/credit-cards/american-express-business-gold-card-amex/", "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/businessgold-card/42732-9-0" ], "conversionNotes": [ "Extra base-rate tier not expressible: 4x (Top 2 of 6 categories each billing cycle (U.S. media advertising, U.S. electronic goods/so)." ], "country": "US", "officialUrl": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/", "signup": { "bonusPoints": 200000, "spendReq": 15000, "months": 3, "note": "Amex advertises this as 'as high as' \u2014 the offer is targeted and varies by applicant; many see a lower bonus. Check your personal offer before applying.", "offerVerifiedDate": "2026-09-14", "checkNote": "Amex renders the welcome offer client-side; a fetch sees an empty shell. `npm run offer-check-browser` reads it." }, "shortName": "Business Gold Card" }, { "id": "amex_delta_platinum_business", "name": "Delta SkyMiles\u00ae Platinum Business American Express Card", "shortName": "Delta SkyMiles\u00ae Platinum Business", "issuer": "American Express", "network": "Amex", "currency": "DELTA_SKYMILES", "annualFee": 350, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 3, "note": "Delta only: purchases made directly with Delta; not other airlines", "portalOnly": true, "brand": "Delta" }, { "category": "hotels", "rate": 3, "note": "purchases made directly with hotels" }, { "category": "transit", "rate": 1.5, "cap": 100000, "capPeriod": "year", "note": "eligible transit (incl. taxis/rideshare), U.S. shipping providers, and/or single purchases of $5,000+; combined $100,000/year cap; higher category rate applies if overlapping" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "amex_delta_platinum_business-resy-credit", "label": "Resy Credit", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "Up to $10/month, up to $120/year" }, { "id": "amex_delta_platinum_business-delta-stays-credit", "label": "Delta Stays Credit", "amount": 200, "period": "year", "cadence": "annual", "categories": [ "hotels" ], "note": "Up to $200 back per year" }, { "id": "amex_delta_platinum_business-rideshare-credit", "label": "Rideshare Credit", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "rideshare" ], "enrollmentRequired": true, "note": "Up to $10/month, up to $120/year" } ], "perks": [ "Companion Certificate: one Delta Main round-trip companion ticket (domestic, Caribbean, or Central America) each year after Card renewal; traveler pays taxes/fees of $22-$250", "MQD Headstart: $2,500 Medallion Qualification Dollars each Medallion Qualification Year", "MQD Boost: $1 MQD for every $20 spent on the card", "TakeOff 15: 15% off Award Travel booked with miles", "Complimentary Upgrade List placement (after Medallion members and Reserve cardholders)", "First checked bag free worldwide, second bag free on domestic Delta flights", "Zone 5 Priority Boarding", "Fee credit for Global Entry ($120) or TSA PreCheck (up to $85) every 4 years" ], "signup": { "bonusPoints": 100000, "spendReq": 8000, "months": 6, "note": "Was 70,000 before this limited-time offer.", "offerVerifiedDate": "2026-09-15", "offerEnds": "2026-11-04", "checkNote": "Amex renders the welcome offer client-side; a fetch sees an empty shell. `npm run offer-check-browser` reads it." }, "verifiedDate": "2026-09-15", "sources": [ "https://www.americanexpress.com/en-us/business/credit-cards/delta-skymiles-platinum/", "https://www.nerdwallet.com/business/credit-cards/reviews/delta-skymiles-platinum-business-amex", "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/delta-skymiles-platinum/45094-9-0" ], "country": "US", "officialUrl": "https://www.americanexpress.com/en-us/business/credit-cards/delta-skymiles-platinum/" }, { "id": "amex_graphite_business_cash_unlimited", "name": "Graphite Business Cash Unlimited Card from American Express", "issuer": "American Express", "network": "American Express", "currency": "CASH", "annualFee": 295, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 5, "note": "Flights and prepaid hotels booked through American Express Travel Online (AmexTravel.com or the Amex Travel App)" }, { "category": "*", "rate": 2 } ], "credits": [], "perks": [ "No Preset Spending Limit", "Pay Over Time option with interest on eligible charges", "No foreign transaction fees", "Purchase Protection: up to $1,000 per covered purchase, up to $50,000 per calendar year", "Return Protection: up to $300 per item (excludes shipping/handling), up to $1,000 per calendar year", "Car Rental Loss & Damage Insurance (secondary)", "Extended Warranty: up to 1 additional year on U.S. manufacturer warranties of 5 years or less", "Global Assist Hotline" ], "signup": { "bonusPoints": 150000, "spendReq": 50000, "months": 6, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-09-15", "sources": [ "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/graphite-business-cash-unlimited-card/", "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/", "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/graphite-business-card/42732-9-0" ], "conversionNotes": [ "One-time credit not modelled: American Express One AP Statement Credit ($2400)." ], "country": "US", "officialUrl": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/graphite-business-cash-unlimited-card/", "shortName": "Graphite Business Cash Unlimited" }, { "id": "amex_hilton_business", "name": "Hilton Honors American Express Business Card", "issuer": "American Express", "network": "Amex", "currency": "HILTON", "annualFee": 195, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 12, "note": "Hilton only: Hilton portfolio hotels & resorts; not other hotel brands", "portalOnly": true, "brand": "Hilton" }, { "category": "*", "rate": 3, "note": "Issuer terms: 5X on the first $100,000 of eligible non-Hilton purchases each calendar year, then 3X. Stored at 3X because a capped base rate is not modeled; understates up to $100k." } ], "credits": [ { "id": "amex_hilton_business-hilton-credit", "label": "Hilton Credit", "amount": 240, "period": "year", "cadence": "quarterly", "categories": [ "hotels" ], "note": "Up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio; up to $240/year total" } ], "perks": [ "Hilton Honors Gold status (80% bonus points on stays, space-available upgrades)", "Upgrade to Hilton Honors Diamond status through end of next calendar year after $40,000 spend in a calendar year", "Complimentary National Car Rental Emerald Club Executive status (enrollment required)", "No Foreign Transaction Fees", "Baggage Insurance Plan", "Car Rental Loss and Damage Insurance (secondary)", "Extended Warranty", "Purchase Protection (up to $1,000/purchase, $50,000/calendar year)" ], "signup": { "bonusPoints": 150000, "spendReq": 8000, "months": 6, "note": "Plus a Free Night Reward.", "offerVerifiedDate": "2026-09-15", "offerEnds": "2027-01-13", "checkNote": "Amex renders the welcome offer client-side; a fetch sees an empty shell. `npm run offer-check-browser` reads it." }, "verifiedDate": "2026-08-21", "sources": [ "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/hilton-honors/", "https://www.cnbc.com/select/hilton-honors-american-express-overhaul/", "https://www.thepointsguy.com/credit-cards/hilton-honors-amex-current-offers/", "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/hilton-honors-american-express-business-credit-card/42732-9-0" ], "conversionNotes": [ "Extra base-rate tier not expressible: 5x (on the first $100,000 in other eligible purchases per calendar year)." ], "country": "US", "officialUrl": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/hilton-honors/" }, { "id": "amex_delta_gold_business", "name": "Delta SkyMiles\u00ae Gold Business American Express Card", "shortName": "Delta SkyMiles\u00ae Gold Business", "issuer": "American Express", "network": "Amex", "currency": "DELTA_SKYMILES", "annualFee": 150, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 2, "note": "Delta only: Delta - purchases made directly with Delta; not other airlines", "portalOnly": true, "brand": "Delta" }, { "category": "shipping", "rate": 2, "cap": 50000, "capPeriod": "year", "note": "U.S. shipping providers. Issuer terms: \"...on up to a total of $50,000 in purchases per calendar year per Card Account \u2014 stated separately for U.S. shipping and again for U.S. advertising, so each has its own $50,000.\"", "capSeparate": true }, { "category": "advertising", "rate": 2, "cap": 50000, "capPeriod": "year", "note": "U.S. providers for advertising in select media. Issuer terms: \"...on up to a total of $50,000 in purchases per calendar year per Card Account \u2014 stated separately for U.S. shipping and again for U.S. advertising, so each has its own $50,000.\"", "capSeparate": true }, { "category": "dining", "rate": 2, "note": "restaurants" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "amex_delta_gold_business-rideshare-credit", "label": "Rideshare Credit", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "rideshare" ], "enrollmentRequired": true, "note": "Up to $10/month; only begins after your first Card renewal" }, { "id": "amex_delta_gold_business-delta-stays-credit", "label": "Delta Stays Credit", "amount": 150, "period": "year", "cadence": "annual", "categories": [ "hotels" ], "note": "Up to $150 back per year" } ], "perks": [ "First checked bag free (Basic Card Member + up to 8 companions on same reservation) on Delta flights worldwide, second bag free on domestic Delta flights", "Zone 5 Priority Boarding", "TakeOff 15: 15% off Award Travel booked with miles", "Pay with Miles", "20% back as a statement credit on eligible Delta in-flight purchases", "No Foreign Transaction Fees", "Global Assist Hotline", "Purchase Protection and Extended Warranty" ], "signup": { "bonusPoints": 90000, "spendReq": 6000, "months": 6, "note": "Was 60,000 before this limited-time offer. $0 intro annual fee for the first year, then $150.", "offerVerifiedDate": "2026-09-15", "offerEnds": "2026-11-04", "checkNote": "Amex renders the welcome offer client-side; a fetch sees an empty shell. `npm run offer-check-browser` reads it." }, "verifiedDate": "2026-09-15", "sources": [ "https://www.americanexpress.com/en-us/business/credit-cards/delta-skymiles-gold/", "https://www.nerdwallet.com/business/credit-cards/reviews/american-express-gold-delta-skymiles-business", "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/delta-skymiles-gold/61468-9-0" ], "country": "US", "officialUrl": "https://www.americanexpress.com/en-us/business/credit-cards/delta-skymiles-gold/", "conditionalCredits": [ { "id": "amex_delta_gold_business-delta-flight-credit", "label": "Delta Flight Credit", "amount": 200, "period": "year", "cadence": "annual", "categories": [ "flights" ], "note": "$200 Delta eCredit after $10,000 in eligible purchases in a calendar year.", "conditional": true, "gate": "Requires $10,000 or more in eligible purchases in the calendar year (the Purchase Requirement)." } ] }, { "id": "amex_marriott_business", "name": "Marriott Bonvoy Business American Express Card", "shortName": "Marriott Bonvoy Business", "issuer": "American Express", "network": "Amex", "currency": "MARRIOTT", "annualFee": 125, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 6, "note": "Marriott only: hotels participating in Marriott Bonvoy; not other hotel brands", "portalOnly": true, "brand": "Marriott" }, { "category": "dining", "rate": 4, "note": "restaurants worldwide" }, { "category": "gas", "rate": 4, "note": "U.S. gas stations" }, { "category": "phone", "rate": 4, "note": "wireless telephone services purchased directly from U.S. service providers" }, { "category": "shipping", "rate": 4, "note": "U.S. purchases for shipping" }, { "category": "*", "rate": 2 } ], "credits": [], "perks": [ "7% discount on eligible Marriott Bonvoy bookings via Amex Business Card Rate", "Marriott Bonvoy Gold Elite status (25% bonus points, priority late checkout until 2pm)", "15 Elite Night Credits each calendar year", "Air+Car transfer program (redeem points for flights/car rentals with travel partners)", "Premium on-property Internet Access", "No Foreign Transaction Fees" ], "signup": { "bonusPoints": 100000, "spendReq": 8000, "months": 6, "note": "Plus one Free Night Award (redemption level up to 50,000 points). Limited-time offer.", "offerVerifiedDate": "2026-09-14", "checkNote": "Amex renders the welcome offer client-side; a fetch sees an empty shell. `npm run offer-check-browser` reads it." }, "verifiedDate": "2026-09-15", "sources": [ "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/", "https://onemileatatime.com/reviews/credit-cards/american-express/marriott-bonvoy-business-card/", "https://thepointsguy.com/credit-cards/marriott-bonvoy-current-offers/", "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-business-american-express-card/42732-9-0" ], "country": "US", "officialUrl": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/" }, { "id": "amex_business_green_rewards", "name": "American Express Business Green Rewards Card", "shortName": "Business Green Rewards", "issuer": "American Express", "network": "American Express", "currency": "MR", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0.027, "color": "#3f4448", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 2, "note": "Purchases at AmexTravel.com or the Amex Travel App" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Pay Over Time with interest (eligible purchases automatically added to a Pay Over Time balance)", "American Express App account management" ], "verifiedDate": "2026-09-15", "sources": [ "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/", "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/compare-credit-cards/compare-flexible-payment-credit-cards/", "https://www.nerdwallet.com/article/travel/business-green-rewards-card-from-amex-is-it-worth-its-annual-fee", "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/business-green-rewards-charge-card/42732-9-0" ], "country": "US", "officialUrl": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/compare-credit-cards/compare-flexible-payment-credit-cards/", "signup": { "bonusPoints": 15000, "spendReq": 3000, "months": 3, "note": "Amex offers can vary by applicant.", "offerVerifiedDate": "2026-09-15", "checkNote": "Amex renders the welcome offer client-side; a fetch sees an empty shell. `npm run offer-check-browser` reads it." } }, { "id": "amex_amazon_business_prime", "name": "Amazon Business Prime American Express Card", "issuer": "American Express", "network": "American Express", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "business", "status": "discontinued", "baseRateUnknown": true, "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [], "verifiedDate": "2026-08-21", "sources": [ "https://upgradedpoints.com/news/amazon-business-cards-amex-to-us-bank/" ], "conversionNotes": [ "6 earn rule(s) dropped: no published rate.", "No published base rate; modelled as 0x on unbonused spend (conservative)." ], "country": "US" }, { "id": "amex_blue_business_cash", "name": "Blue Business Cash Card", "issuer": "American Express", "network": "American Express", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.027, "color": "#3f4448", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 1, "note": "Issuer terms: 2% cash back on the first $50,000 of eligible purchases each calendar year, then 1%. Stored at 1% because a capped base rate is not modeled; understates up to $50k." } ], "credits": [], "perks": [ "Expanded Buying Power (spend above your credit limit, flexible amount)", "Employee Cards", "Connect to QuickBooks", "Account Manager", "Vendor Pay by BILL", "Extended Warranty and Purchase Protection", "Car Rental Loss and Damage Insurance", "Global Assist Hotline" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/compare-credit-cards/compare-no-annual-fee-credit-cards/", "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/bluebusinesscash-credit-card/45094-9-0" ], "conversionNotes": [ "Extra base-rate tier not expressible: 2pct (2% cash back on the first $50,000 of eligible purchases per calendar year, no category res)." ], "country": "US", "officialUrl": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/compare-credit-cards/compare-no-annual-fee-credit-cards/", "signup": { "bonusPoints": 25000, "spendReq": 3000, "months": 3, "note": "$250 statement credit.", "offerVerifiedDate": "2026-09-15", "checkNote": "Amex renders the welcome offer client-side; a fetch sees an empty shell. `npm run offer-check-browser` reads it." } }, { "id": "amex_blue_business_plus", "name": "Blue Business Plus Credit Card", "issuer": "American Express", "network": "American Express", "currency": "MR", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.027, "color": "#3f4448", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 1, "note": "Issuer terms: 2X on the first $50,000 of eligible purchases each calendar year, then 1X. Stored at 1X because a capped base rate is not modeled; understates up to $50k." } ], "credits": [], "perks": [ "Expanded Buying Power (spend above your credit limit, flexible amount)", "Employee Cards", "Connect to QuickBooks", "Account Manager", "Vendor Pay by BILL", "Extended Warranty and Purchase Protection", "Car Rental Loss and Damage Insurance", "Global Assist Hotline" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/compare-credit-cards/compare-no-annual-fee-credit-cards/", "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/bluebusinessplus-credit-card/42732-9-0" ], "conversionNotes": [ "Extra base-rate tier not expressible: 2x (First $50,000 in combined eligible purchases per calendar year, no category restrictions, )." ], "country": "US", "officialUrl": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/compare-credit-cards/compare-no-annual-fee-credit-cards/", "shortName": "Blue Business\u00ae Plus", "signup": { "bonusPoints": 15000, "spendReq": 3000, "months": 3, "note": "Amex offers can vary by applicant.", "offerVerifiedDate": "2026-09-15", "checkNote": "Amex renders the welcome offer client-side; a fetch sees an empty shell. `npm run offer-check-browser` reads it." } }, { "id": "amex_lowes_business_rewards", "name": "Lowe's Business Rewards Card from American Express", "shortName": "Lowe's Business Rewards", "issuer": "American Express", "network": "American Express", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.027, "color": "#3f4448", "cardType": "business", "status": "open", "baseRateUnknown": true, "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [], "verifiedDate": "2026-08-21", "sources": [ "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/lowes-business-rewards-american-express-card/", "https://financebuzz.com/lowes-business-rewards-card-from-american-express-review" ], "conversionNotes": [ "2 earn rule(s) dropped: no published rate.", "No published base rate; modelled as 0x on unbonused spend (conservative)." ], "country": "US", "officialUrl": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/lowes-business-rewards-american-express-card/" }, { "id": "amex_plum_card", "name": "The Plum Card", "issuer": "American Express", "network": "American Express", "currency": "CASH", "annualFee": 250, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "business", "status": "closed_to_new", "baseRateUnknown": true, "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [], "verifiedDate": "2026-09-04", "sources": [ "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/", "https://www.nerdwallet.com/business/credit-cards/reviews/american-express-plum", "https://www.bankrate.com/finance/credit-cards/pdp/the-plum-card-from-american-express/" ], "conversionNotes": [ "1 earn rule(s) dropped: no published rate.", "No published base rate; modelled as 0x on unbonused spend (conservative).", "Annual fee $250, confirmed against NerdWallet and Bankrate (card is closed to new applicants, so no longer on Amex's own product page)." ], "country": "US", "officialUrl": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/" }, { "id": "amex_centurion", "name": "Centurion Card from American Express", "issuer": "American Express", "network": "American Express", "currency": "MR", "annualFee": 5000, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 1 } ], "credits": [ { "id": "amex_centurion-resy-dining-credit", "label": "Resy Dining Credit", "amount": 1000, "period": "year", "cadence": "quarterly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "Introduced July 1, 2026 as the direct successor to the Saks Fifth Avenue credit" }, { "id": "amex_centurion-clear-plus-credit", "label": "CLEAR Plus Credit", "amount": 369, "period": "year", "cadence": "annual", "categories": [ "travel" ], "enrollmentRequired": true, "note": "Up to $369 per year, covering the cardholder plus eligible family members on the same CLEAR account" }, { "id": "amex_centurion-uber-cash", "label": "Uber Cash", "amount": 200, "period": "year", "cadence": "monthly", "categories": [ "rideshare" ], "enrollmentRequired": true, "note": "$15 per month plus a bonus $20 in December. Some trackers list this as $180/yr (excluding the December bonus); Amex's published figure across Platinum-family products is $200/yr." }, { "id": "amex_centurion-uber-one-credit", "label": "Uber One Credit", "amount": 120, "period": "year", "cadence": "annual", "categories": [ "rideshare" ], "note": "Up to $120 per calendar year for an auto-renewing Uber One membership" } ], "perks": [ "Invitation-only membership; no public application", "Complimentary Equinox Destination Access membership (including Equinox+), reported value up to $3,600/yr \u2014 a comped membership, not a statement credit", "Global Lounge Collection including Centurion Lounges (two complimentary guests), Delta Sky Club on eligible Delta itineraries, Priority Pass Select, Escape and Plaza Premium lounges", "Complimentary PS (formerly The Private Suite) membership at participating airports such as LAX and ATL; per-use suite fees still apply", "Delta SkyMiles Platinum Medallion status", "Hilton Honors Diamond status", "Marriott Bonvoy Gold Elite status", "IHG One Rewards Platinum Elite status" ], "verifiedDate": "2026-08-21", "sources": [ "https://cardstack.money/cards/centurion-card-from-american-express", "https://upgradedpoints.com/credit-cards/reviews/amex-centurion-black-card/", "https://www.dansdeals.com/credit-cards/amex-replaces-saks-credit-with-limited-time-amex-retail-and-travel-offers-on-platinum-cards-and-a-much-better-replacement-on-centurion-cards/" ], "conversionNotes": [ "One-time credit not modelled: SoulCycle At-Home Bike Credit ($300)." ], "country": "US" }, { "id": "amex_platinum", "name": "The Platinum Card from American Express", "issuer": "American Express", "network": "American Express", "currency": "MR", "annualFee": 895, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 5, "cap": 500000, "capPeriod": "year", "note": "Booked directly with airlines or through American Express Travel; $500,000 calendar-year cap" }, { "category": "travel_portal", "rate": 5, "note": "Prepaid hotels booked through American Express Travel" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "amex_platinum-hotel-credit-fine-hotels-resorts-t", "label": "Hotel Credit (Fine Hotels + Resorts / The Hotel Collection)", "amount": 600, "period": "year", "cadence": "semiannual", "categories": [ "hotels" ], "note": "Up to $300 semiannually (Jan-Jun, Jul-Dec). The Hotel Collection requires a two-night minimum stay." }, { "id": "amex_platinum-airline-fee-credit", "label": "Airline Fee Credit", "amount": 200, "period": "year", "cadence": "annual", "categories": [ "flights" ], "enrollmentRequired": true, "note": "Incidental fees only (checked bags, in-flight refreshments, etc.); select one airline per calendar year" }, { "id": "amex_platinum-uber-cash", "label": "Uber Cash", "amount": 200, "period": "year", "cadence": "monthly", "categories": [ "rideshare" ], "enrollmentRequired": true, "note": "$15 per month plus a bonus $20 in December = $200/yr. Card must be added to Uber account." }, { "id": "amex_platinum-uber-one-credit", "label": "Uber One Credit", "amount": 120, "period": "year", "cadence": "annual", "categories": [ "rideshare" ], "note": "Up to $120 in statement credits per calendar year after purchasing an auto-renewing Uber One membership; credits accrue as the membership bills (monthly or annual), capped at $120/calendar year" }, { "id": "amex_platinum-clear-plus-credit", "label": "CLEAR Plus Credit", "amount": 219, "period": "year", "cadence": "annual", "categories": [ "travel" ], "note": "Increased from $209 to $219 effective July 1, 2026 to match the CLEAR+ price increase. Excludes taxes and fees." }, { "id": "amex_platinum-resy-credit", "label": "Resy Credit", "amount": 400, "period": "year", "cadence": "quarterly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "Up to $100 per quarter at 10,000+ qualifying U.S. Resy restaurants and eligible Resy purchases" }, { "id": "amex_platinum-digital-entertainment-credit", "label": "Digital Entertainment Credit", "amount": 300, "period": "year", "cadence": "monthly", "categories": [ "streaming" ], "enrollmentRequired": true, "note": "Up to $25 per month at participating partners" }, { "id": "amex_platinum-lululemon-credit", "label": "lululemon Credit", "amount": 300, "period": "year", "cadence": "quarterly", "categories": [ "other" ], "enrollmentRequired": true, "note": "Up to $75 per quarter" }, { "id": "amex_platinum-walmart-credit", "label": "Walmart+ Credit", "amount": 155, "period": "year", "cadence": "monthly", "categories": [ "other" ], "note": "Up to $12.95 plus applicable taxes per month for one auto-renewing monthly Walmart+ membership; Amex markets it as up to $155/yr. Plus Ups not eligible." }, { "id": "amex_platinum-oura-ring-credit", "label": "Oura Ring Credit", "amount": 200, "period": "year", "cadence": "annual", "categories": [], "enrollmentRequired": true, "note": "Up to $200 per calendar year toward an Oura Ring purchase at ouraring.com (ring hardware, not the subscription)", "automatic": true }, { "id": "amex_platinum-equinox-credit", "label": "Equinox Credit", "amount": 300, "period": "year", "cadence": "annual", "categories": [ "fitness" ], "enrollmentRequired": true, "note": "Up to $300 per calendar year; membership must be auto-renewing" } ], "perks": [ "Global Lounge Collection: Centurion Lounges, Priority Pass Select (enrollment required), 10 Delta Sky Club visits per year on eligible Delta flights, Escape/Plaza Premium and partner lounges (1,550+ lounges)", "Global Entry ($120 every 4 years) or TSA PreCheck (up to $85 every 4.5 years) application fee credit", "Fine Hotels + Resorts: daily breakfast for two, room upgrade when available, $100 property credit, 4pm checkout", "The Hotel Collection: $100 property credit on stays of two nights or more", "Marriott Bonvoy Gold Elite status", "Hilton Honors Gold status", "Leaders Club Sterling status from The Leading Hotels of the World", "Avis Preferred Plus, Hertz Gold Plus President's Circle, National Emerald Club Executive car rental status" ], "signup": { "bonusPoints": 175000, "spendReq": 12000, "months": 6, "note": "Amex advertises this as 'as high as' \u2014 the offer is targeted and varies by applicant; many see a lower bonus. Check your personal offer before applying.", "offerVerifiedDate": "2026-09-14", "checkNote": "Amex renders the welcome offer client-side; a fetch sees an empty shell. `npm run offer-check-browser` reads it." }, "verifiedDate": "2026-09-03", "sources": [ "https://www.americanexpress.com/us/credit-cards/card/platinum/", "https://frequentmiler.com/amex-removes-saks-benefit-for-new-platinum-cardholders-cardholders-prior-to-3-26-unaffected/", "https://onemileatatime.com/news/clear-membership-price-increase/" ], "country": "US", "offerVaries": true, "officialUrl": "https://www.americanexpress.com/us/credit-cards/card/platinum/" }, { "id": "amex_platinum_schwab", "name": "The Platinum Card from American Express Exclusively for Charles Schwab", "issuer": "American Express", "network": "American Express", "currency": "MR", "annualFee": 895, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 5, "cap": 500000, "capPeriod": "year", "note": "Booked directly with airlines or through American Express Travel; $500,000 calendar-year cap" }, { "category": "travel_portal", "rate": 5, "note": "Prepaid hotels booked through American Express Travel, including Fine Hotels + Resorts and The Hotel Collection" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "amex_platinum_schwab-annual-schwab-appreciation-bonus", "label": "Annual Schwab Appreciation Bonus", "amount": 0, "period": "year", "cadence": "annual", "categories": [], "note": "Tiered: $100 if qualifying Schwab holdings are >= $250,000 and < $1,000,000; $200 if >= $1,000,000 and < $10,000,000; $1,000 if >= $10,000,000. Measured after card approval and annually thereafter. Amount is null because", "automatic": true }, { "id": "amex_platinum_schwab-hotel-credit-fine-hotels-resorts-t", "label": "Hotel Credit (Fine Hotels + Resorts / The Hotel Collection)", "amount": 600, "period": "year", "cadence": "semiannual", "categories": [ "hotels" ], "note": "Up to $300 semiannually. The Hotel Collection requires a two-night minimum stay." }, { "id": "amex_platinum_schwab-airline-fee-credit", "label": "Airline Fee Credit", "amount": 200, "period": "year", "cadence": "annual", "categories": [ "flights" ], "enrollmentRequired": true, "note": "Incidental fees only; select one airline per calendar year" }, { "id": "amex_platinum_schwab-uber-cash", "label": "Uber Cash", "amount": 200, "period": "year", "cadence": "monthly", "categories": [ "rideshare" ], "enrollmentRequired": true, "note": "$15 per month plus a bonus $20 in December = $200/yr" }, { "id": "amex_platinum_schwab-uber-one-credit", "label": "Uber One Credit", "amount": 120, "period": "year", "cadence": "annual", "categories": [ "rideshare" ], "note": "Up to $120 per calendar year for an auto-renewing Uber One membership" }, { "id": "amex_platinum_schwab-clear-plus-credit", "label": "CLEAR Plus Credit", "amount": 219, "period": "year", "cadence": "annual", "categories": [ "travel" ], "note": "Increased to $219 on July 1, 2026; excludes taxes and fees" }, { "id": "amex_platinum_schwab-resy-credit", "label": "Resy Credit", "amount": 400, "period": "year", "cadence": "quarterly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "Up to $100 per quarter" }, { "id": "amex_platinum_schwab-digital-entertainment-credit", "label": "Digital Entertainment Credit", "amount": 300, "period": "year", "cadence": "monthly", "categories": [ "streaming" ], "enrollmentRequired": true, "note": "Up to $25 per month at participating partners" }, { "id": "amex_platinum_schwab-lululemon-credit", "label": "lululemon Credit", "amount": 300, "period": "year", "cadence": "quarterly", "categories": [ "other" ], "enrollmentRequired": true, "note": "Up to $75 per quarter" }, { "id": "amex_platinum_schwab-walmart-credit", "label": "Walmart+ Credit", "amount": 155, "period": "year", "cadence": "monthly", "categories": [ "other" ], "note": "Up to $12.95 plus applicable local sales tax per month; Plus Ups not eligible" }, { "id": "amex_platinum_schwab-oura-ring-credit", "label": "Oura Ring Credit", "amount": 200, "period": "year", "cadence": "annual", "categories": [], "enrollmentRequired": true, "note": "Up to $200 per calendar year toward an Oura Ring purchase. NOT listed on Schwab's own card page; confirmed only via secondary sources.", "automatic": true }, { "id": "amex_platinum_schwab-equinox-credit", "label": "Equinox Credit", "amount": 300, "period": "year", "cadence": "annual", "categories": [ "fitness" ], "enrollmentRequired": true, "note": "Up to $300 per calendar year. NOT listed on Schwab's own card page; confirmed only via secondary sources." } ], "perks": [ "Invest with Rewards: redeem Membership Rewards points into an eligible Schwab brokerage account at 1.1 cents per point on up to 1,000,000 points per calendar year (0.8 cents per point thereafter)", "Global Lounge Collection: Centurion Lounges, Priority Pass Select (enrollment required), 10 Delta Sky Club visits per year on eligible Delta flights, 1,550+ lounges", "Global Entry ($120 every 4 years) or TSA PreCheck (up to $85) application fee credit", "Fine Hotels + Resorts and The Hotel Collection benefits", "Marriott Bonvoy Gold Elite and Hilton Honors Gold status", "Trip Delay, Trip Cancellation/Interruption and Car Rental Loss and Damage Insurance", "Cell Phone Protection, Return Protection, Purchase Protection, Extended Warranty", "Premium Global Assist Hotline" ], "signup": { "bonusPoints": 80000, "spendReq": 12000, "months": 6, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://www.schwab.com/credit-cards/platinum-card", "https://upgradedpoints.com/credit-cards/reviews/american-express-platinum-card-for-schwab/", "https://upgradedpoints.com/news/amex-schwab-platinum-card-invest-with-rewards-devaluation/" ], "country": "US", "officialUrl": "https://www.schwab.com/credit-cards/platinum-card" }, { "id": "amex_platinum_morgan_stanley", "name": "The Platinum Card from American Express Exclusively for Morgan Stanley", "issuer": "American Express", "network": "American Express", "currency": "MR", "annualFee": 895, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 5, "cap": 500000, "capPeriod": "year", "note": "Booked directly with airlines or through American Express Travel; $500,000 calendar-year cap" }, { "category": "travel_portal", "rate": 5, "note": "Prepaid hotels booked through American Express Travel, including Fine Hotels + Resorts and The Hotel Collection" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "amex_platinum_morgan_stanley-hotel-credit-fine-hotels-resorts-t", "label": "Hotel Credit (Fine Hotels + Resorts / The Hotel Collection)", "amount": 600, "period": "year", "cadence": "semiannual", "categories": [ "hotels" ], "note": "Up to $300 semiannually. The Hotel Collection requires a two-night minimum stay." }, { "id": "amex_platinum_morgan_stanley-airline-fee-credit", "label": "Airline Fee Credit", "amount": 200, "period": "year", "cadence": "annual", "categories": [ "flights" ], "enrollmentRequired": true, "note": "Incidental fees only; select one airline per calendar year" }, { "id": "amex_platinum_morgan_stanley-uber-cash", "label": "Uber Cash", "amount": 200, "period": "year", "cadence": "monthly", "categories": [ "rideshare" ], "enrollmentRequired": true, "note": "$15 per month plus a bonus $20 in December = $200/yr" }, { "id": "amex_platinum_morgan_stanley-uber-one-credit", "label": "Uber One Credit", "amount": 120, "period": "year", "cadence": "annual", "categories": [ "rideshare" ], "note": "Up to $120 per calendar year for an auto-renewing Uber One membership" }, { "id": "amex_platinum_morgan_stanley-clear-plus-credit", "label": "CLEAR Plus Credit", "amount": 219, "period": "year", "cadence": "annual", "categories": [ "travel" ], "note": "Increased to $219 on July 1, 2026; excludes taxes and fees" }, { "id": "amex_platinum_morgan_stanley-resy-credit", "label": "Resy Credit", "amount": 400, "period": "year", "cadence": "quarterly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "Up to $100 per quarter" }, { "id": "amex_platinum_morgan_stanley-digital-entertainment-credit", "label": "Digital Entertainment Credit", "amount": 300, "period": "year", "cadence": "monthly", "categories": [ "streaming" ], "enrollmentRequired": true, "note": "Up to $25 per month at participating partners" }, { "id": "amex_platinum_morgan_stanley-lululemon-credit", "label": "lululemon Credit", "amount": 300, "period": "year", "cadence": "quarterly", "categories": [ "other" ], "enrollmentRequired": true, "note": "Up to $75 per quarter" }, { "id": "amex_platinum_morgan_stanley-walmart-credit", "label": "Walmart+ Credit", "amount": 155, "period": "year", "cadence": "monthly", "categories": [ "other" ], "note": "Up to $12.95 plus applicable local sales tax per month; Plus Ups not eligible" }, { "id": "amex_platinum_morgan_stanley-oura-ring-credit", "label": "Oura Ring Credit", "amount": 200, "period": "year", "cadence": "annual", "categories": [], "enrollmentRequired": true, "note": "Up to $200 per calendar year toward an Oura Ring purchase. NOT listed on the Amex/Morgan Stanley application page; confirmed only via secondary sources.", "automatic": true }, { "id": "amex_platinum_morgan_stanley-equinox-credit", "label": "Equinox Credit", "amount": 300, "period": "year", "cadence": "annual", "categories": [ "fitness" ], "enrollmentRequired": true, "note": "Up to $300 per calendar year. NOT listed on the Amex/Morgan Stanley application page; confirmed only via secondary sources." } ], "perks": [ "Use Points with Morgan Stanley: redeem Membership Rewards points for deposits into an eligible Morgan Stanley or E*TRADE brokerage or bank account at 1 cent per point (50,000 points = $500)", "Global Lounge Collection: Centurion Lounges, Priority Pass Select (enrollment required), 10 Delta Sky Club visits per year on eligible Delta flights, 1,550+ lounges", "Global Entry ($120 every 4 years) or TSA PreCheck (up to $85) application fee credit", "Fine Hotels + Resorts and The Hotel Collection benefits", "Marriott Bonvoy Gold Elite and Hilton Honors Gold status", "Trip Delay, Trip Cancellation/Interruption and Car Rental Loss and Damage Insurance", "Cell Phone Protection, Return Protection, Purchase Protection, Extended Warranty", "Premium Global Assist Hotline" ], "signup": { "bonusPoints": 80000, "spendReq": 12000, "months": 6, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://apply.americanexpress.com/amex-morgan-stanley-credit-cards/", "https://upgradedpoints.com/credit-cards/amex-platinum-card-vs-amex-platinum-card-for-morgan-stanley/", "https://www.uscreditcardguide.com/amex-platinum-card-for-morgan-stanley/", "https://apply.americanexpress.com/amex-morgan-stanley-credit-cards/?page_url=38", "https://www.morganstanley.com/what-we-do/wealth-management/cashplus" ], "country": "US", "officialUrl": "https://apply.americanexpress.com/amex-morgan-stanley-credit-cards/?page_url=38", "conditionalCredits": [ { "id": "amex_platinum_morgan_stanley-annual-engagement-bonus", "label": "Annual Engagement Bonus", "amount": 895, "period": "year", "cadence": "annual", "categories": [], "note": "Paid as an $895 annual deposit into an eligible Morgan Stanley Platinum CashPlus Brokerage account - NOT a card statement credit. It offsets the $895 annual fee only for cardholders who already maintain that account, which itself carries a $55/month ($660/year) fee unless BOTH $5,000 in monthly deposits and a $25,000 average daily cash balance are maintained. Morgan Stanley states all or part of the rebate may be reported as taxable income.", "automatic": true, "conditional": true, "gate": "Requires an eligible Morgan Stanley Platinum CashPlus Brokerage account ($55/month unless $5,000 monthly deposits AND a $25,000 average daily cash balance are maintained). Paid into that brokerage account rather than the card, and may be taxable." } ] }, { "id": "amex_delta_reserve", "name": "Delta SkyMiles\u00ae Reserve American Express Card", "shortName": "Delta SkyMiles\u00ae Reserve", "issuer": "American Express", "network": "Amex", "currency": "DELTA_SKYMILES", "annualFee": 650, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 3, "note": "Delta only: Delta - purchases made directly with Delta and Delta Vacations; not other airlines", "portalOnly": true, "brand": "Delta" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "amex_delta_reserve-resy-credit", "label": "Resy Credit", "amount": 240, "period": "year", "cadence": "monthly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "Up to $20/month, up to $240/year" }, { "id": "amex_delta_reserve-rideshare-credit", "label": "Rideshare Credit", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "rideshare" ], "enrollmentRequired": true, "note": "Up to $10/month, up to $120/year" }, { "id": "amex_delta_reserve-delta-stays-credit", "label": "Delta Stays Credit", "amount": 200, "period": "year", "cadence": "annual", "categories": [ "hotels" ], "note": "Up to $200 back per year" } ], "perks": [ "Delta Sky Club Access: 15 visits per Medallion Year when flying Delta same-day; unlimited access after $75,000 in card purchases in a calendar year", "Complimentary access to The Centurion Lounge (including Sidecar by The Centurion Lounge) when Delta flight is booked with the card", "Companion Certificate: one Delta First, Comfort+, or Main round-trip companion ticket each year after Card renewal; traveler pays taxes/fees of $22-$250", "MQD Headstart: $2,500 Medallion Qualification Dollars each Medallion Qualification Year", "MQD Boost: $1 MQD for every $10 spent on the card", "TakeOff 15: 15% off Award Travel booked with miles", "Upgrade Priority over other Card Members of the same Medallion tier/fare", "Complimentary Upgrade List placement for non-Medallion members" ], "signup": { "bonusPoints": 50000, "spendReq": 10000, "months": 6, "note": "Plus two round-trip Delta Comfort+ flight certificates (U.S. 48, Puerto Rico, USVI; 21+ day advance purchase, taxes up to $80 per person). The miles figure alone understates this offer.", "offerVerifiedDate": "2026-09-15", "offerEnds": "2026-11-04", "checkNote": "Amex renders the welcome offer client-side; a fetch sees an empty shell. `npm run offer-check-browser` reads it." }, "verifiedDate": "2026-09-15", "sources": [ "https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-reserve-american-express-card/", "https://upgradedpoints.com/credit-cards/reviews/delta-reserve-credit-card-american-express/80k-100k-bonus-offer/", "https://www.americanexpress.com/us/credit-cards/card-application/apply/member/terms/delta-skymiles-reserve-american-express-card/36182-11-0/" ], "country": "US", "officialUrl": "https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-reserve-american-express-card/" }, { "id": "amex_marriott_brilliant", "name": "Marriott Bonvoy Brilliant American Express Card", "issuer": "American Express", "network": "Amex", "currency": "MARRIOTT", "annualFee": 650, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 6, "note": "Marriott only: hotels participating in Marriott Bonvoy; not other hotel brands", "portalOnly": true, "brand": "Marriott" }, { "category": "dining", "rate": 3, "note": "restaurants worldwide" }, { "category": "flights", "rate": 3, "note": "flights booked directly with airlines" }, { "category": "*", "rate": 2 } ], "credits": [ { "id": "amex_marriott_brilliant-brilliant-dining-credit", "label": "Brilliant Dining Credit", "amount": 300, "period": "year", "cadence": "monthly", "categories": [ "dining" ], "note": "Up to $25/month in statement credits for eligible restaurant purchases worldwide; up to $300/year total" }, { "id": "amex_marriott_brilliant-ritz-carlton-st-regis-property-cre", "label": "Ritz-Carlton / St. Regis Property Credit", "amount": 100, "period": "year", "cadence": "annual", "categories": [], "note": "Issuer terms: up to $100 property credit per eligible booking at The Ritz-Carlton or St. Regis; stored as $100/year as a conservative floor.", "automatic": true }, { "id": "amex_marriott_brilliant-global-entry-tsa-precheck-fee-cred", "label": "Global Entry / TSA PreCheck Fee Credit", "amount": 30, "period": "year", "cadence": "every4y", "categories": [ "travel" ], "note": "Up to $120 for Global Entry (or ~$85 TSA PreCheck) once every 4 years \u2014 shown as $30/yr amortized. Does not expire yearly." } ], "perks": [ "Marriott Bonvoy Platinum Elite status (50% bonus points on stays, room upgrades)", "Brilliant Earned Choice Award each calendar year after $60,000 spend", "25 Elite Night Credits each calendar year", "Priority Pass membership (unlimited visits, enrollment required)", "Premium in-room Internet Access (booking requirements apply)", "No Foreign Transaction Fees", "Car Rental Loss and Damage Insurance (secondary)", "Premium Global Assist Hotline" ], "signup": { "bonusPoints": 150000, "spendReq": 6000, "months": 6, "note": "Plus a $250 statement credit.", "offerVerifiedDate": "2026-09-15", "offerEnds": "2026-09-30" }, "verifiedDate": "2026-09-15", "sources": [ "https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-brilliant/", "https://thepointsguy.com/credit-cards/marriott-bonvoy-current-offers/", "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-brilliant-card/25330-10-0" ], "country": "US", "officialUrl": "https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-brilliant/", "shortName": "Marriott Bonvoy Brilliant" }, { "id": "amex_hilton_aspire", "name": "Hilton Honors American Express Aspire Card", "issuer": "American Express", "network": "Amex", "currency": "HILTON", "annualFee": 550, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 14, "note": "Hilton only: Hilton portfolio hotels & resorts; not other hotel brands", "portalOnly": true, "brand": "Hilton" }, { "category": "flights", "rate": 7, "note": "Flights booked directly with airlines or American Express Travel; also covers car rentals booked directly with select car rental companies" }, { "category": "dining", "rate": 7, "note": "U.S. restaurants" }, { "category": "*", "rate": 3 } ], "credits": [ { "id": "amex_hilton_aspire-hilton-resort-credit", "label": "Hilton Resort Credit", "amount": 400, "period": "year", "cadence": "semiannual", "categories": [ "hotels" ], "note": "Up to $200 in statement credits semi-annually for eligible purchases made directly with participating Hilton Resorts; up to $400/year total" }, { "id": "amex_hilton_aspire-flight-credit", "label": "Flight Credit", "amount": 200, "period": "year", "cadence": "quarterly", "categories": [ "flights" ], "note": "Up to $50 in statement credits each quarter on flight purchases made directly with an airline, AmexTravel.com, or the Amex Travel App; up to $200/year total" }, { "id": "amex_hilton_aspire-clear-credit", "label": "CLEAR+ Credit", "amount": 219, "period": "year", "cadence": "annual", "categories": [ "travel" ], "note": "Covers cost of a CLEAR+ membership with up to $219 in statement credits per calendar year (subject to auto-renewal)" }, { "id": "amex_hilton_aspire-waldorf-astoria-conrad-property-cr", "label": "Waldorf Astoria / Conrad Property Credit", "amount": 100, "period": "year", "cadence": "annual", "categories": [ "hotels" ], "note": "Issuer terms: up to $100 property credit per eligible booking at Waldorf Astoria or Conrad; stored as $100/year as a conservative floor." } ], "perks": [ "Hilton Honors Diamond status (100% bonus points on stays, Premium Wi-Fi, space-available upgrades, executive lounge access at select properties)", "Complimentary National Car Rental Emerald Club Executive status (enrollment required)", "No Foreign Transaction Fees", "Car Rental Loss and Damage Insurance (secondary)", "Premium Global Assist Hotline", "Baggage Insurance Plan", "Trip Delay Insurance", "Trip Cancellation & Interruption Insurance" ], "signup": { "bonusPoints": 200000, "spendReq": 6000, "months": 6, "offerVerifiedDate": "2026-09-15", "offerEnds": "2027-01-13", "checkNote": "Amex renders the welcome offer client-side; a fetch sees an empty shell. `npm run offer-check-browser` reads it." }, "verifiedDate": "2026-09-15", "sources": [ "https://www.americanexpress.com/us/credit-cards/card/hilton-honors-aspire/", "https://www.thepointsguy.com/credit-cards/hilton-honors-amex-current-offers/", "https://www.americanexpress.com/us/credit-cards/card-application/apply/member/terms/hilton-honors-aspire-credit-card/36182-11-0/" ], "country": "US", "officialUrl": "https://www.americanexpress.com/us/credit-cards/card/hilton-honors-aspire/" }, { "id": "amex_delta_platinum", "name": "Delta SkyMiles\u00ae Platinum American Express Card", "shortName": "Delta SkyMiles\u00ae Platinum", "issuer": "American Express", "network": "Amex", "currency": "DELTA_SKYMILES", "annualFee": 350, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 3, "note": "Delta only: Delta - purchases made directly with Delta and Delta Vacations; not other airlines", "portalOnly": true, "brand": "Delta" }, { "category": "hotels", "rate": 3, "note": "purchases made directly with hotels" }, { "category": "dining", "rate": 2, "note": "restaurants worldwide, plus takeout and delivery in the U.S." }, { "category": "groceries", "rate": 2, "note": "U.S. supermarkets" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "amex_delta_platinum-rideshare-credit", "label": "Rideshare Credit", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "rideshare" ], "enrollmentRequired": true, "note": "Up to $10/month, up to $120/year" }, { "id": "amex_delta_platinum-resy-credit", "label": "Resy Credit", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "Up to $10/month, up to $120/year" }, { "id": "amex_delta_platinum-delta-stays-credit", "label": "Delta Stays Credit", "amount": 150, "period": "year", "cadence": "annual", "categories": [ "hotels" ], "note": "Up to $150 back per year" } ], "perks": [ "Companion Certificate: one Delta Main round-trip companion ticket (U.S. and to Mexico/Caribbean/Central America) each year after Card renewal; traveler pays taxes/fees of $22-$250", "MQD Headstart: $2,500 Medallion Qualification Dollars each Medallion Qualification Year", "MQD Boost: $1 MQD for every $20 spent on the card", "TakeOff 15: 15% off Award Travel booked with miles", "First checked bag free worldwide, second bag free on domestic Delta flights", "Zone 5 Priority Boarding", "Fee credit for Global Entry ($120) or TSA PreCheck (up to $85) every 4 years", "Complimentary Upgrade List placement (after Medallion members and Reserve cardholders) for non-Medallion members" ], "signup": { "bonusPoints": 90000, "spendReq": 4000, "months": 6, "note": "Amex advertises this as 'as high as'; the offer is targeted and varies by applicant. Limited-time offer also includes a $300 statement credit (see the issuer's page for its condition).", "offerVerifiedDate": "2026-09-15", "offerEnds": "2026-11-04" }, "verifiedDate": "2026-09-15", "sources": [ "https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-platinum-american-express-card/", "https://upgradedpoints.com/credit-cards/reviews/platinum-delta-skymiles-credit-card-american-express/80k-100k-bonus-offer/" ], "country": "US", "officialUrl": "https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-platinum-american-express-card/" }, { "id": "amex_gold", "name": "American Express Gold Card", "issuer": "American Express", "network": "American Express", "currency": "MR", "annualFee": 325, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "dining", "rate": 4, "cap": 50000, "capPeriod": "year", "note": "Restaurants worldwide, then 1x after $50,000 per calendar year" }, { "category": "groceries", "rate": 4, "cap": 25000, "capPeriod": "year", "note": "U.S. supermarkets, then 1x after $25,000 per calendar year" }, { "category": "travel_portal", "rate": 5, "note": "Prepaid hotels booked through AmexTravel.com or the Amex Travel App (added in the April 2026 refresh, up from 2x)" }, { "category": "flights", "rate": 3, "note": "Booked directly with airlines or through Amex Travel" }, { "category": "travel", "rate": 2, "note": "Prepaid car rentals booked through Amex Travel and cruises booked and paid through AmexTravel.com", "portalOnly": true, "brand": "American Express Travel (amextravel.com)" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "amex_gold-dining-credit", "label": "Dining Credit", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "Up to $10 per month; resets on the 1st, no rollover. Merchant list changed in 2026: Buffalo Wild Wings and Wonder were added in the April 2026 refresh and Goldbelly and Wine.com left the program after June 30, 2026 (no l" }, { "id": "amex_gold-uber-cash", "label": "Uber Cash", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "rideshare" ], "enrollmentRequired": true, "note": "$10 in Uber Cash each month once the Gold Card is added to your Uber account" }, { "id": "amex_gold-resy-credit", "label": "Resy Credit", "amount": 100, "period": "year", "cadence": "semiannual", "categories": [ "dining" ], "enrollmentRequired": true, "note": "Up to $50 January-June and up to $50 July-December" }, { "id": "amex_gold-dunkin-credit", "label": "Dunkin' Credit", "amount": 84, "period": "year", "cadence": "monthly", "categories": [], "enrollmentRequired": true, "note": "Up to $7 in statement credits per month", "automatic": true } ], "perks": [ "The Hotel Collection: $100 property credit on bookings of two nights or more through Amex Travel", "Hertz Five Star status (enrollment required)", "Trip Delay Insurance up to $300 per trip (12+ hour delay, 2 claims per 12 months)", "Baggage Insurance Plan (up to $1,250 carry-on / $500 checked)", "Car Rental Loss and Damage Insurance (secondary)", "Global Assist Hotline", "Purchase Protection and Extended Warranty", "American Express Venue Collection: 10% back on qualifying concessions, up to $250 per calendar year" ], "signup": { "bonusPoints": 100000, "spendReq": 8000, "months": 6, "note": "Amex advertises this as 'as high as' \u2014 the offer is targeted and varies by applicant; many see a lower bonus. Check your personal offer before applying.", "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-09-03", "sources": [ "https://www.americanexpress.com/us/credit-cards/card/gold-card/", "https://cardstack.money/articles/credit-card-reviews/amex-gold-dining-credit-guide", "https://upgradedpoints.com/news/amex-gold-card-new-benefits-2026/" ], "country": "US", "offerVaries": true, "officialUrl": "https://www.americanexpress.com/us/credit-cards/card/gold-card/" }, { "id": "amex_marriott_bevy", "name": "Marriott Bonvoy Bevy American Express Card", "issuer": "American Express", "network": "Amex", "currency": "MARRIOTT", "annualFee": 250, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 6, "note": "Marriott only: hotels participating in Marriott Bonvoy; not other hotel brands", "portalOnly": true, "brand": "Marriott" }, { "category": "dining", "rate": 4, "cap": 15000, "capPeriod": "year", "note": "restaurants worldwide (incl. U.S. takeout/delivery); shares a combined $15,000/yr cap with U.S. supermarkets, then drops to 2X. Issuer terms: \"On the first $15,000 in total eligible purchases in a calendar year, you will receive 2 additional points (for a total of 4 points) for each U.S. dollar of eligible purchases at restaurants worldwide and 2 additional points for each dollar of eligible purchases at supermarkets located in the United States.\"", "capGroup": "dining_grocery" }, { "category": "groceries", "rate": 4, "cap": 15000, "capPeriod": "year", "note": "U.S. supermarkets; shares a combined $15,000/yr cap with restaurant spend, then drops to 2X. Issuer terms: \"On the first $15,000 in total eligible purchases in a calendar year, you will receive 2 additional points (for a total of 4 points) for each U.S. dollar of eligible purchases at restaurants worldwide and 2 additional points for each dollar of eligible purchases at supermarkets located in the United States.\"", "capGroup": "dining_grocery" }, { "category": "*", "rate": 2 } ], "credits": [], "perks": [ "1,000 Marriott Bonvoy bonus points per paid eligible stay booked directly with Marriott", "Marriott Bonvoy Gold Elite status (25% bonus points on stays)", "15 Elite Night Credits each calendar year", "No Foreign Transaction Fees", "Earn More with Amex Offers", "Car Rental Loss and Damage Insurance (secondary)", "Global Assist Hotline", "Baggage Insurance Plan" ], "signup": { "bonusPoints": 125000, "spendReq": 5000, "months": 6, "note": "Plus a $150 statement credit.", "offerVerifiedDate": "2026-09-15", "offerEnds": "2026-09-30", "checkNote": "Amex renders the welcome offer client-side; a fetch sees an empty shell. `npm run offer-check-browser` reads it." }, "verifiedDate": "2026-09-15", "sources": [ "https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-bevy/", "https://thepointsguy.com/credit-cards/marriott-bonvoy-current-offers/", "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-bevy-card/26129-10-0/" ], "country": "US", "officialUrl": "https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-bevy/", "shortName": "Marriott Bonvoy Bevy" }, { "id": "amex_green", "name": "American Express Classic Green Card", "issuer": "American Express", "network": "American Express", "currency": "MR", "annualFee": 150, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "personal", "status": "closed_to_new", "isRetailCobrand": false, "earn": [ { "category": "travel", "rate": 3, "note": "All travel \u2014 flights, hotels, car rentals, cruises, tours, campgrounds, vacation rentals, Amex Travel bookings" }, { "category": "transit", "rate": 3, "note": "Trains, taxis, rideshare, ferries, tolls, parking, buses, subways" }, { "category": "dining", "rate": 3, "note": "Restaurants worldwide including takeout and delivery in the U.S." }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "amex_green-clear-plus-credit", "label": "CLEAR Plus Credit", "amount": 219, "period": "year", "cadence": "annual", "categories": [ "travel" ], "enrollmentRequired": true, "note": "Up to $219 per calendar year for an auto-renewing CLEAR Plus membership. Amex raised eligible-card CLEAR credits from $209 to $219 on July 1, 2026; some third-party pages still list $209 for the Green Card and Amex's own" } ], "perks": [ "Trip Delay Insurance up to $300 per trip (12+ hour delay, 2 claims per 12 months)", "Baggage Insurance Plan (up to $1,250 carry-on / $500 checked)", "Car Rental Loss and Damage Insurance (secondary)", "Global Assist Hotline", "Purchase Protection and Extended Warranty", "No foreign transaction fees" ], "verifiedDate": "2026-08-21", "sources": [ "https://upgradedpoints.com/credit-cards/reviews/american-express-green-card/benefits/", "https://mycarddeals.com/cards/amex-green/", "https://onemileatatime.com/news/clear-membership-price-increase/" ], "country": "US" }, { "id": "amex_delta_gold", "name": "Delta SkyMiles\u00ae Gold American Express Card", "shortName": "Delta SkyMiles\u00ae Gold", "issuer": "American Express", "network": "Amex", "currency": "DELTA_SKYMILES", "annualFee": 150, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "dining", "rate": 2, "note": "restaurants worldwide, plus takeout and delivery in the U.S." }, { "category": "groceries", "rate": 2, "note": "U.S. supermarkets" }, { "category": "flights", "rate": 2, "note": "Delta only: Delta - purchases made directly with Delta; not other airlines", "portalOnly": true, "brand": "Delta" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "amex_delta_gold-delta-flight-credit", "label": "Delta Flight Credit", "amount": 200, "period": "year", "cadence": "annual", "categories": [ "flights" ], "note": "Unlocked after $10,000 in purchases on the card in a calendar year; issued as a Delta eCredit" }, { "id": "amex_delta_gold-rideshare-credit", "label": "Rideshare Credit", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "rideshare" ], "enrollmentRequired": true, "note": "Up to $10/month; only begins after your first Card renewal" }, { "id": "amex_delta_gold-delta-stays-credit", "label": "Delta Stays Credit", "amount": 100, "period": "year", "cadence": "annual", "categories": [ "hotels" ], "note": "Up to $100 back per year" } ], "perks": [ "First checked bag free on Delta flights worldwide, second bag free on domestic Delta flights", "Zone 5 Priority Boarding on Delta flights", "TakeOff 15: 15% off Award Travel booked with miles on delta.com/Fly Delta app", "Pay with Miles: up to $50 off per 5,000 miles redeemed on delta.com", "20% back as a statement credit on eligible Delta in-flight purchases", "No Foreign Transaction Fees", "Baggage Insurance Plan (up to $1,250 carry-on / $500 checked)", "Secondary Car Rental Loss and Damage Insurance" ], "signup": { "bonusPoints": 80000, "spendReq": 3000, "months": 6, "note": "Amex advertises this as 'as high as' \u2014 the offer is targeted and varies by applicant; many see a lower bonus. Check your personal offer before applying.", "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/", "https://upgradedpoints.com/credit-cards/reviews/gold-delta-skymiles-credit-card-american-express/welcome-offer-history/" ], "country": "US", "officialUrl": "https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/" }, { "id": "amex_hilton_surpass", "name": "Hilton Honors American Express Surpass Card", "issuer": "American Express", "network": "Amex", "currency": "HILTON", "annualFee": 150, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 12, "note": "Hilton only: Hilton portfolio hotels & resorts; not other hotel brands", "portalOnly": true, "brand": "Hilton" }, { "category": "dining", "rate": 6, "note": "U.S. restaurants" }, { "category": "groceries", "rate": 6, "note": "U.S. supermarkets" }, { "category": "gas", "rate": 6, "note": "U.S. gas stations" }, { "category": "online_retail", "rate": 4, "note": "U.S. online retail purchases" }, { "category": "*", "rate": 3 } ], "credits": [ { "id": "amex_hilton_surpass-hilton-credit", "label": "Hilton Credit", "amount": 200, "period": "year", "cadence": "quarterly", "categories": [ "hotels" ], "note": "Up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio; up to $200/year total" } ], "perks": [ "Hilton Honors Gold status (80% bonus points on stays, food & beverage credit/continental breakfast, space-available upgrades)", "Upgrade to Hilton Honors Diamond status through end of next calendar year after $40,000 spend in a calendar year", "Complimentary National Car Rental Emerald Club Executive status (enrollment required)", "No Foreign Transaction Fees", "Car Rental Loss & Damage Insurance (secondary)", "Global Assist Hotline", "Baggage Insurance Plan", "Purchase Protection (up to $1,000/purchase, $50,000/calendar year)" ], "signup": { "bonusPoints": 130000, "spendReq": 3000, "months": 6, "note": "Plus a Free Night Reward.", "offerVerifiedDate": "2026-09-15", "offerEnds": "2027-01-13", "checkNote": "Amex renders the welcome offer client-side; a fetch sees an empty shell. `npm run offer-check-browser` reads it." }, "verifiedDate": "2026-08-21", "sources": [ "https://www.americanexpress.com/us/credit-cards/card/hilton-honors-surpass/", "https://www.thepointsguy.com/credit-cards/hilton-honors-amex-current-offers/" ], "country": "US", "officialUrl": "https://www.americanexpress.com/us/credit-cards/card/hilton-honors-surpass/" }, { "id": "amex_everyday_preferred", "name": "Amex EveryDay Preferred Credit Card", "issuer": "American Express", "network": "American Express", "currency": "MR", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0.027, "color": "#3f4448", "cardType": "personal", "status": "closed_to_new", "isRetailCobrand": false, "earn": [ { "category": "groceries", "rate": 3, "cap": 6000, "capPeriod": "year", "note": "U.S. supermarkets, on up to $6,000 per year, then 1x" }, { "category": "gas", "rate": 2, "note": "U.S. gas stations" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "50% extra Membership Rewards points in any billing cycle with 30+ purchases", "Car Rental Loss and Damage Insurance (secondary)", "Global Assist Hotline", "Purchase Protection and Extended Warranty", "Send & Split", "Membership Rewards transfer partners" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.doctorofcredit.com/amex-everyday-amex-everyday-preferred-no-longer-accepting-new-applications/", "https://upgradedpoints.com/credit-cards/reviews/amex-everyday-preferred-credit-card/" ], "country": "US" }, { "id": "amex_blue_cash_preferred", "name": "Blue Cash Preferred Card from American Express", "issuer": "American Express", "network": "American Express", "currency": "CASH", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0.027, "color": "#3f4448", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "groceries", "rate": 6, "cap": 6000, "capPeriod": "year", "note": "U.S. supermarkets, on up to $6,000 per year, then 1%" }, { "category": "streaming", "rate": 6, "note": "Select U.S. streaming subscriptions" }, { "category": "transit", "rate": 3, "note": "Taxis, rideshare, parking, tolls, trains, buses and more" }, { "category": "gas", "rate": 3, "note": "U.S. gas stations" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "amex_blue_cash_preferred-disney-streaming-credit", "label": "Disney Streaming Credit", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "streaming" ], "enrollmentRequired": true, "note": "Up to $10 per month after an auto-renewing subscription purchase; no minimum spend" } ], "perks": [ "Cash back (Reward Dollars) usable at Amazon.com checkout", "Car Rental Loss and Damage Insurance (secondary)", "Global Assist Hotline", "Purchase Protection (up to $1,000 per purchase / $50,000 per year)", "Return Protection (up to $300 per item / $1,000 per year)", "Extended Warranty", "Send & Split", "Amex Presale/Reserved Tickets access" ], "verifiedDate": "2026-09-03", "sources": [ "https://www.americanexpress.com/us/credit-cards/card/blue-cash-preferred/", "https://upgradedpoints.com/credit-cards/reviews/american-express-blue-cash-preferred/welcome-offer-history/" ], "country": "US", "signup": { "bonusPoints": 30000, "spendReq": 3000, "months": 6, "note": "$300 statement credit (Reward Dollars) after $3,000 in 6 months; encoded as 30,000 CASH points at 1 cent each", "offerVerifiedDate": "2026-09-14" }, "officialUrl": "https://www.americanexpress.com/us/credit-cards/card/blue-cash-preferred/", "shortName": "Blue Cash Preferred" }, { "id": "amex_cash_magnet", "name": "American Express Cash Magnet Card", "issuer": "American Express", "network": "American Express", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.027, "color": "#3f4448", "cardType": "personal", "status": "closed_to_new", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "Cash back (Reward Dollars) usable at Amazon.com checkout", "Car Rental Loss and Damage Insurance (secondary)", "Global Assist Hotline", "Purchase Protection", "Send & Split", "Pay Over Time / Plan It flexible payment options" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.americanexpress.com/us/credit-cards/card/cash-magnet/", "https://www.doctorofcredit.com/amex-everyday-amex-everyday-preferred-no-longer-accepting-new-applications/", "https://www.nerdwallet.com/credit-cards/reviews/american-express-cash-magnet", "https://upgradedpoints.com/news/amex-discontinues-everyday-preferred-cash-magnet-cards/" ], "country": "US", "officialUrl": "https://www.americanexpress.com/us/credit-cards/card/cash-magnet/", "shortName": "Cash Magnet" }, { "id": "amex_everyday", "name": "Amex EveryDay Credit Card", "issuer": "American Express", "network": "American Express", "currency": "MR", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.027, "color": "#3f4448", "cardType": "personal", "status": "closed_to_new", "isRetailCobrand": false, "earn": [ { "category": "groceries", "rate": 2, "cap": 6000, "capPeriod": "year", "note": "U.S. supermarkets, on up to $6,000 per year, then 1x" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "20% extra Membership Rewards points in any billing cycle with 20+ purchases", "Car Rental Loss and Damage Insurance (secondary)", "Global Assist Hotline", "Purchase Protection", "Send & Split", "Membership Rewards transfer partners" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.doctorofcredit.com/amex-everyday-amex-everyday-preferred-no-longer-accepting-new-applications/", "https://onemileatatime.com/reviews/credit-cards/american-express/amex-everyday-card/" ], "country": "US" }, { "id": "amex_blue_cash_everyday", "name": "Blue Cash Everyday Card from American Express", "issuer": "American Express", "network": "American Express", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.027, "color": "#3f4448", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "groceries", "rate": 3, "cap": 6000, "capPeriod": "year", "note": "U.S. supermarkets, on up to $6,000 per year, then 1%. Issuer terms: \"3% cash back on the first $6,000 of eligible purchases across the Card Account in a calendar year (then 1%) at supermarkets located in the U.S.; 3% cash back on the first $6,000 of U.S. online retail purchases (then 1%); and 3% cash back on the first $6,000 of purchases of gasoline at gas stations located in the U.S. (then 1%) \u2014 a separate $6,000 for each.\"", "capSeparate": true }, { "category": "online_retail", "rate": 3, "cap": 6000, "capPeriod": "year", "note": "U.S. online retail purchases, on up to $6,000 per year, then 1%. Issuer terms: \"3% cash back on the first $6,000 of eligible purchases across the Card Account in a calendar year (then 1%) at supermarkets located in the U.S.; 3% cash back on the first $6,000 of U.S. online retail purchases (then 1%); and 3% cash back on the first $6,000 of purchases of gasoline at gas stations located in the U.S. (then 1%) \u2014 a separate $6,000 for each.\"", "capSeparate": true }, { "category": "gas", "rate": 3, "cap": 6000, "capPeriod": "year", "note": "U.S. gas stations, on up to $6,000 per year, then 1%. Issuer terms: \"3% cash back on the first $6,000 of eligible purchases across the Card Account in a calendar year (then 1%) at supermarkets located in the U.S.; 3% cash back on the first $6,000 of U.S. online retail purchases (then 1%); and 3% cash back on the first $6,000 of purchases of gasoline at gas stations located in the U.S. (then 1%) \u2014 a separate $6,000 for each.\"", "capSeparate": true }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "amex_blue_cash_everyday-disney-streaming-credit", "label": "Disney Streaming Credit", "amount": 84, "period": "year", "cadence": "monthly", "categories": [ "streaming" ], "enrollmentRequired": true, "note": "Up to $7 per month after an auto-renewing subscription purchase; no minimum spend" } ], "perks": [ "Cash back (Reward Dollars) usable at Amazon.com checkout", "Car Rental Loss and Damage Insurance (secondary)", "Global Assist Hotline", "Purchase Protection (up to $1,000 per purchase / $50,000 per year)", "Send & Split", "Amex Presale/Reserved Tickets access", "Balance transfer offer available within first 60 days" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.americanexpress.com/us/credit-cards/card/blue-cash-everyday/" ], "country": "US", "officialUrl": "https://www.americanexpress.com/us/credit-cards/card/blue-cash-everyday/", "shortName": "Blue Cash Everyday" }, { "id": "amex_delta_blue", "name": "Delta SkyMiles\u00ae Blue American Express Card", "shortName": "Delta SkyMiles\u00ae Blue", "issuer": "American Express", "network": "Amex", "currency": "DELTA_SKYMILES", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "dining", "rate": 2, "note": "restaurants worldwide, plus takeout and delivery in the U.S." }, { "category": "flights", "rate": 2, "note": "Delta only: Delta - purchases made directly with Delta; not other airlines", "portalOnly": true, "brand": "Delta" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "20% back as a statement credit on eligible Delta in-flight purchases of food and beverages (uncapped, variable rebate, not a fixed credit)", "Pay with Miles: up to $50 off per 5,000 miles redeemed toward flights booked on delta.com", "No Foreign Transaction Fees", "Amex Presale/Reserved Ticket access to select events", "Send & Split via the Amex App (Venmo/PayPal)", "Secondary Car Rental Loss and Damage Insurance", "Global Assist Hotline (24/7 emergency assistance when traveling 100+ miles from home)", "Purchase Protection (up to 90 days)" ], "signup": { "bonusPoints": 10000, "spendReq": 1000, "months": 6, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-blue-american-express-card/", "https://www.dailydrop.com/credit-cards/delta-skymiles-blue-american-express-card" ], "country": "US", "officialUrl": "https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-blue-american-express-card/" }, { "id": "amex_hilton_honors", "name": "Hilton Honors American Express Card", "issuer": "American Express", "network": "Amex", "currency": "HILTON", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 7, "note": "Hilton only: Hilton portfolio hotels & resorts; not other hotel brands", "portalOnly": true, "brand": "Hilton" }, { "category": "dining", "rate": 5, "note": "U.S. restaurants" }, { "category": "groceries", "rate": 5, "note": "U.S. supermarkets" }, { "category": "gas", "rate": 5, "note": "U.S. gas stations" }, { "category": "*", "rate": 3 } ], "credits": [], "perks": [ "Hilton Honors Silver status (upgrade to Gold after $20,000 spend in a calendar year)", "No Foreign Transaction Fees", "Amex Special Ticket Access (Presale/Reserved Tickets)", "Send & Split (Venmo/PayPal integration, enrollment required)", "Car Rental Loss and Damage Insurance (secondary)", "Global Assist Hotline", "Purchase Protection (up to $1,000/purchase, $50,000/calendar year)", "American Express Venue Collection (10% back on qualifying concessions, up to $250/calendar year, enrollment required)" ], "signup": { "bonusPoints": 70000, "spendReq": 2000, "months": 6, "note": "Plus a Free Night Reward.", "offerVerifiedDate": "2026-09-15", "offerEnds": "2027-01-13", "checkNote": "Amex renders the welcome offer client-side; a fetch sees an empty shell. `npm run offer-check-browser` reads it." }, "verifiedDate": "2026-08-21", "sources": [ "https://www.americanexpress.com/us/credit-cards/card/hilton-honors/", "https://www.thepointsguy.com/credit-cards/hilton-honors-amex-current-offers/" ], "country": "US", "officialUrl": "https://www.americanexpress.com/us/credit-cards/card/hilton-honors/" }, { "id": "amex_rakuten", "name": "Rakuten American Express Card", "issuer": "American Express", "network": "American Express", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#3f4448", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "dining", "rate": 2, "note": "2% cash back (2x MR points) at restaurants outside the Rakuten Dining program" }, { "category": "online_retail", "rate": 4, "cap": 7000, "capPeriod": "year", "note": "Rakuten shopping portal only: 4% cash back (4x MR points) on purchases made through the Rakuten portal/app, up to $7,000 of card spend per calendar year, then 1%; not general online shopping", "portalOnly": true, "brand": "the Rakuten portal" }, { "category": "groceries", "rate": 2, "note": "2% cash back (2x MR points) at grocery stores" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Amex Offers access", "Amex Experiences (presale/exclusive access to concerts, sports, theater)", "Return Protection (90 days from purchase)", "Extended Warranty (doubles manufacturer's warranty, up to 12 months)" ], "welcomeBonusText": "$100 cash back after $1,000 in purchases in the first 90 days of account opening", "verifiedDate": "2026-09-03", "sources": [ "https://www.rakuten.com/help/article/rakuten-credit-card-360052540113", "https://www.rakuten.com/american-express", "https://thepointsguy.com/credit-cards/reviews/rakuten-american-express-review", "https://www.barchart.com/story/news/33553101/new-rakuten-american-express-card-powered-by-imprint-offers-an-extra-four-percent-cash-back-on-rakuten-purchases" ], "conversionNotes": [ "Duplicate dining rates published (10.0x and 2.0x); using the lower rate \u2014 the higher tier is usually condition-bound." ], "country": "US", "officialUrl": "https://www.rakuten.com/help/article/rakuten-credit-card-360052540113" }, { "id": "amex_schwab_investor", "name": "Schwab Investor Card from American Express", "shortName": "Schwab Investor Card", "issuer": "American Express", "network": "American Express", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.027, "color": "#3f4448", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "Amex Offers access", "Return Protection", "Extended Warranty", "0% introductory APR on purchases for 6 months from account opening, then a variable 19.49%-28.49% APR" ], "welcomeBonusText": "$200 statement credit after $1,000 in purchases in the first 3 months of Card Membership", "verifiedDate": "2026-08-21", "sources": [ "https://www.schwab.com/credit-cards", "https://www.uscreditcardguide.com/amex-schwab-investor-credit-card/", "https://www.supermoney.com/reviews/personal-credit-cards/schwab-investor-card-from-american-express" ], "country": "US", "officialUrl": "https://www.schwab.com/credit-cards" }, { "id": "bofa_alaska_airlines_business", "name": "Bank of America Alaska Airlines Visa Signature Business (Atmos Rewards)", "issuer": "Bank of America", "network": "Visa", "currency": "ALASKA", "annualFee": 70, "annualFeeUnknown": false, "fxFee": 0, "color": "#8c1d1d", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 3, "note": "Alaska Airlines only: Alaska Airlines and Hawaiian Airlines purchases; not other airlines", "portalOnly": true, "brand": "Alaska Airlines" }, { "category": "gas", "rate": 2, "note": "Also EV charging, shipping, and local transit/rideshare purchases" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "bofa_alaska_airlines_business-alaska-lounge-membership-discount", "label": "Alaska Lounge+ membership discount", "amount": 100, "period": "year", "cadence": "annual", "categories": [], "note": "$100 discount off the membership price, not complimentary lounge access itself", "automatic": true } ], "perks": [ "Free checked bag and preferred boarding on Alaska/Hawaiian flights", "20% back on Alaska/Hawaiian inflight purchases", "No blackout dates on Alaska/Hawaiian award travel", "Earn/redeem across oneworld Alliance member airlines and Global Partners", "$1M travel accident insurance, auto rental coverage, emergency ticket replacement, lost-luggage assistance", "Annual companion fare from $99 (plus taxes/fees from $23) on account anniversary after spending $6,000+ in the prior cardmember year" ], "welcomeBonusText": "70,000 bonus points plus a $99 Companion Fare (taxes/fees from $23) after making $4,000 or more in purchases within the first 90 days of account opening", "verifiedDate": "2026-08-21", "sources": [ "https://www.bankofamerica.com/smallbusiness/credit-cards/products/alaska-airlines-business-credit-card/" ], "country": "US", "officialUrl": "https://www.bankofamerica.com/smallbusiness/credit-cards/products/alaska-airlines-business-credit-card/" }, { "id": "bofa_business_advantage_customized_cash_rewards", "name": "Bank of America Business Advantage Customized Cash Rewards", "issuer": "Bank of America", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#8c1d1d", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "CHOICE", "rate": 3, "cap": 12500, "capPeriod": "quarter", "note": "Choice category: gas stations & EV charging, office supply stores, travel, TV/telecom & wireless, computer services, or business consulting services. Shares ONE combined $50,000-per-CALENDAR-YEAR cap ", "choice": true, "choiceOptions": [ "gas", "ev_charging", "office_supply", "online_retail", "dining", "travel", "drugstores", "home_improvement", "fitness", "streaming", "groceries", "transit", "entertainment" ] }, { "category": "dining", "rate": 2, "cap": 50000, "capPeriod": "year", "note": "Shares the same combined $50,000/year cap with the 3% choice category above." }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Free employee/additional cards", "$1M travel accident insurance", "Auto rental collision/loss damage coverage", "Emergency ticket replacement and lost-luggage assistance", "Free Dun & Bradstreet business credit score via Business Advantage 360", "Cash Flow Management Tools (auto payments, transfers, QuickBooks download)", "Preferred Rewards for Business bonus eligible" ], "welcomeBonusText": "$500 online cash rewards bonus after making at least $5,000 in purchases within 90 days of account opening", "verifiedDate": "2026-08-21", "sources": [ "https://business.bankofamerica.com/content/consumer/us/en/business/credit-cards/business-advantage-customized-cash-rewards/", "https://www.bankofamerica.com/smallbusiness/credit-cards/" ], "country": "US", "officialUrl": "https://business.bankofamerica.com/content/consumer/us/en/business/credit-cards/business-advantage-customized-cash-rewards/", "shortName": "Business Advantage Customized Cash Rewards" }, { "id": "bofa_business_advantage_travel_rewards", "name": "Bank of America Business Advantage Travel Rewards", "issuer": "Bank of America", "network": "Mastercard", "currency": "BOFA_POINTS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#8c1d1d", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 3, "note": "Travel purchases made through the Bank of America Travel Center" }, { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "Free employee/additional cards", "No blackout dates on Travel Center bookings", "$1M travel accident insurance", "Auto rental collision/loss damage coverage", "Emergency ticket replacement and lost-luggage assistance", "Free Dun & Bradstreet business credit score via Business Advantage 360", "Cash Flow Management Tools", "Preferred Rewards for Business bonus eligible" ], "welcomeBonusText": "50,000 online bonus points after making at least $5,000 in purchases in the first 90 days of account opening, redeemable for a $500 statement credit toward travel or dining purchases", "verifiedDate": "2026-08-21", "sources": [ "https://business.bankofamerica.com/content/consumer/us/en/business/credit-cards/business-advantage-travel-rewards/", "https://www.bankofamerica.com/smallbusiness/credit-cards/" ], "country": "US", "officialUrl": "https://business.bankofamerica.com/content/consumer/us/en/business/credit-cards/business-advantage-travel-rewards/", "shortName": "Business Advantage Travel Rewards" }, { "id": "bofa_business_advantage_unlimited_cash_rewards", "name": "Bank of America Business Advantage Unlimited Cash Rewards", "issuer": "Bank of America", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#8c1d1d", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "Free employee/additional cards", "$1M travel accident insurance", "Auto rental collision/loss damage coverage", "Emergency ticket replacement and lost-luggage assistance", "Free Dun & Bradstreet business credit score via Business Advantage 360", "Cash Flow Management Tools", "Preferred Rewards for Business bonus eligible" ], "welcomeBonusText": "$500 online cash rewards bonus after making at least $5,000 in purchases within 90 days of account opening", "verifiedDate": "2026-08-21", "sources": [ "https://business.bankofamerica.com/content/consumer/us/en/business/credit-cards/business-advantage-unlimited-cash-rewards", "https://www.bankofamerica.com/smallbusiness/credit-cards/" ], "country": "US", "officialUrl": "https://business.bankofamerica.com/content/consumer/us/en/business/credit-cards/business-advantage-unlimited-cash-rewards", "shortName": "Business Advantage Unlimited Cash Rewards" }, { "id": "bofa_bankamericard_business", "name": "BankAmericard for Business", "issuer": "Bank of America", "network": null, "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#8c1d1d", "cardType": "business", "status": "closed_to_new", "baseRateUnknown": true, "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [], "verifiedDate": "2026-09-04", "sources": [ "https://www.bankofamerica.com/smallbusiness/credit-cards/", "https://www.nav.com/business-credit-card/best/bank-of-america/", "https://www.bankofamerica.com/credit-cards/products/bankamericard-credit-card/" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative).", "Annual fee $0 \u2014 this card is closed to new applicants and no longer has its own product page, so this is inferred, not a direct source: the personal BankAmericard it's modelled on is $0, and every current Bank of America business card in the same no-frills/low-APR tier (Platinum Plus Mastercard Business and the Business Advantage line) is also $0. No source found suggests a fee. Flag for re-check if a fee ever surfaces." ], "country": "US", "officialUrl": "https://www.bankofamerica.com/credit-cards/products/bankamericard-credit-card/" }, { "id": "bofa_premium_rewards_elite", "name": "Bank of America Premium Rewards Elite", "issuer": "Bank of America", "network": "Visa", "currency": "BOFA_POINTS", "annualFee": 550, "annualFeeUnknown": false, "fxFee": 0, "color": "#8c1d1d", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "dining", "rate": 2, "note": "Uncapped" }, { "category": "travel", "rate": 2, "note": "Includes flights, hotels, and other travel purchases; uncapped" }, { "category": "*", "rate": 1.5 } ], "credits": [ { "id": "bofa_premium_rewards_elite-airline-incidental-credit", "label": "Airline incidental credit", "amount": 300, "period": "year", "cadence": "annual", "categories": [ "flights" ], "note": "Full amount available each calendar year as a lump sum, not split into monthly/quarterly chunks" }, { "id": "bofa_premium_rewards_elite-lifestyle-credit", "label": "Lifestyle credit", "amount": 150, "period": "year", "cadence": "annual", "categories": [ "rideshare" ], "note": "Lump sum available each calendar year; specific qualifying merchant list set by BofA" } ], "perks": [ "Priority Pass Select membership (no set guest limit; includes F&B credit at Priority Pass restaurants, not just lounge entry; up to 4 total people can be enrolled as members)", "20% fewer points needed when redeeming for airfare via BofA Travel Center", "24/7 Visa Infinite concierge service", "Visa Infinite Luxury Hotel Collection (room upgrades, daily breakfast for two, late checkout, $25 F&B credit)", "Avis/Hertz/National car rental status and discounts", "Primary auto rental collision damage waiver", "Trip delay, trip cancellation/interruption, baggage delay, and lost luggage insurance", "No points-transfer partners (noted gap vs. competitor premium cards)" ], "welcomeBonusText": "75,000 online bonus points after spending at least $5,000 in purchases in the first 90 days of account opening", "verifiedDate": "2026-08-21", "sources": [ "https://www.forbes.com/advisor/credit-cards/reviews/bank-of-america-premium-rewards-elite/", "https://www.nerdwallet.com/reviews/credit-cards/bank-of-america-premium-rewards", "https://www.bankofamerica.com/credit-cards/products/premium-rewards-elite-credit-card/" ], "conversionNotes": [ "One-time credit not modelled: TSA PreCheck/Global Entry application fee credit ($100)." ], "country": "US", "officialUrl": "https://www.bankofamerica.com/credit-cards/products/premium-rewards-elite-credit-card/" }, { "id": "bofa_atmos_rewards_summit", "name": "Bank of America Atmos Rewards Summit Visa Infinite", "shortName": "Atmos Rewards Summit", "issuer": "Bank of America", "network": "Visa", "currency": "ALASKA", "annualFee": 395, "annualFeeUnknown": false, "fxFee": 0, "color": "#8c1d1d", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 3, "note": "Alaska Airlines only: eligible Alaska and Hawaiian Airlines purchases; not other airlines", "portalOnly": true, "brand": "Alaska Airlines" }, { "category": "dining", "rate": 3, "note": "Eligible dining purchases" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "bofa_atmos_rewards_summit-global-entry-tsa-precheck-applicat", "label": "Global Entry/TSA PreCheck application fee credit", "amount": 30, "period": "year", "cadence": "every4y", "categories": [ "travel" ], "note": "Up to $120 for Global Entry (or ~$85 TSA PreCheck) once every 4 years \u2014 shown as $30/yr amortized. Does not expire yearly." } ], "perks": [ "3x points on all qualifying foreign/international purchases (any category, based on merchant location) \u2014 a foreign-transaction bonus, not a travel-category rate; not modeled in category math", "Eight Alaska Lounge day passes annually (2 per calendar quarter), each valid for the entire travel day and including up to 2 accompanying children; BofA cites over $500 in value", "Complimentary signature cocktail/elevated bar offering at Alaska Lounges through 2026", "Global Companion Award: up to two per card-anniversary year, covering a companion's ticket on award travel across Alaska, Hawaiian, oneworld, and global partners in any cabin including Business/First -- a 25,000-point award after qualifying spend/each anniversary, and a 100,000-point award after $60,000+ spend in a card-anniversary year", "Instant $50 travel-delay voucher (valid 48 hours) for a same-day 2+ hour Alaska flight delay or a cancellation within 24 hours of scheduled departure", "1 status point per $2 spent (uncapped), plus 10,000 bonus status points every card anniversary; 20,000 status points = Atmos Silver/oneworld Ruby, 40,000 = Atmos Gold/oneworld Sapphire -- fastest path to status of any airline card per BofA", "Free checked bag and preferred boarding for cardholder plus up to 6 companions on Alaska/Hawaiian flights", "Waived same-day confirmed flight change fee (save up to $50 per one-way flight)", "$25 per person savings on every roundtrip partner-airline award booking" ], "welcomeBonusText": "100,000 bonus points after spending $6,000 or more in purchases within the first 90 days of account opening (this was the limited-time launch offer per BofA's August 2025 press release; confirm the current live offer at application since it may have changed)", "verifiedDate": "2026-09-03", "sources": [ "https://www.bankofamerica.com/credit-cards/products/alaska-airlines-credit-card/", "https://newsroom.bankofamerica.com/content/newsroom/press-releases/2025/08/alaska-airlines-and-bank-of-america-present-a-new-premium-credit.html", "https://newsroom.bankofamerica.com/content/newsroom/press-releases/2026/04/alaska-air-group-and-bank-of-america-expand-long-standing-credit.html", "https://www.bankofamerica.com/content/documents/creditcard/atmos_rewards_summit_visa_infinite_english.pdf" ], "country": "US", "conversionNotes": [ "The 3x on foreign purchases was previously encoded as a 'travel' earn row, which overstated domestic travel spend. It is gated on merchant country, which the engine's category model cannot express, so it now lives in perks only." ], "officialUrl": "https://www.bankofamerica.com/credit-cards/products/alaska-airlines-credit-card/" }, { "id": "bofa_royal_one_plus_visa_signature", "name": "Royal ONE Plus Visa Signature", "issuer": "Bank of America", "network": "Visa", "currency": "ROYAL_ONE_POINTS", "annualFee": 99, "annualFeeUnknown": false, "fxFee": 0, "color": "#8c1d1d", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel", "rate": 4, "note": "Royal Caribbean International, Celebrity Cruises, and Silversea Cruises purchases" }, { "category": "gas", "rate": 2, "note": "Also EV charging" }, { "category": "groceries", "rate": 2 }, { "category": "flights", "rate": 2, "note": "Eligible airline purchases" }, { "category": "hotels", "rate": 2, "note": "Eligible hotel purchases" }, { "category": "dining", "rate": 2, "note": "Eligible dining purchases" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "bofa_royal_one_plus_visa_signature-annual-cruise-discount", "label": "Annual cruise discount", "amount": 200, "period": "year", "cadence": "annual", "categories": [], "note": "Only awarded if $20,000+ was spent on the card during the prior cardmember year; not an unconditional annual credit", "automatic": true }, { "id": "bofa_royal_one_plus_visa_signature-global-entry-tsa-precheck-applicat", "label": "Global Entry/TSA PreCheck application fee credit", "amount": 30, "period": "year", "cadence": "every4y", "categories": [ "travel" ], "note": "Up to $120 for Global Entry (or ~$85 TSA PreCheck) once every 4 years \u2014 shown as $30/yr amortized. Does not expire yearly." } ], "perks": [ "Priority boarding via a dedicated suite entrance", "Priority/expedited luggage delivery", "Dedicated suite boarding lane", "Access to special onboard events", "Visa Signature travel and purchase protections" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.bankofamerica.com/content/documents/creditcard/royal_one_plus_visa_signature_english.pdf", "https://thepointsguy.com/credit-cards/reviews/royal-one-plus-visa-signature-review", "https://www.nerdwallet.com/credit-cards/reviews/royal-one-plus-visa" ], "country": "US", "officialUrl": "https://www.bankofamerica.com/content/documents/creditcard/royal_one_plus_visa_signature_english.pdf" }, { "id": "bofa_alaska_airlines_visa_signature", "name": "Bank of America Alaska Airlines Visa Signature (Atmos Rewards Ascent)", "issuer": "Bank of America", "network": "Visa", "currency": "ALASKA", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0, "color": "#8c1d1d", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 3, "note": "Alaska Airlines only: Alaska Airlines and Hawaiian Airlines purchases; not other airlines", "portalOnly": true, "brand": "Alaska Airlines" }, { "category": "gas", "rate": 2, "note": "Also EV charging stations, cable bills, local transit, and rideshare" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "bofa_alaska_airlines_visa_signature-alaska-lounge-membership-discount", "label": "Alaska Lounge+ membership discount", "amount": 100, "period": "year", "cadence": "annual", "categories": [], "note": "$100 discount off the membership price, not complimentary lounge access itself", "automatic": true } ], "perks": [ "Free first checked bag for cardholder plus up to 6 companions on the same reservation (Alaska/Hawaiian flights paid with the card)", "Preferred boarding on Alaska/Hawaiian", "20% back on inflight purchases on Alaska/Hawaiian flights", "Annual companion fare from $99 (plus taxes/fees from $23) issued each account anniversary after spending $6,000+ on the card in the prior cardmember year", "Earns Atmos elite status points (1 per $3 spent, uncapped)", "No lounge access included (only a discount toward Lounge+ membership)", "No travel insurance/purchase protection benefits (a gap versus comparable cards)" ], "welcomeBonusText": "70,000 bonus Atmos Rewards points plus a $99 Companion Fare (taxes/fees from $23) after spending $2,500 on purchases in the first 90 days", "verifiedDate": "2026-08-21", "sources": [ "https://www.bankofamerica.com/credit-cards/products/alaska-airlines-credit-card/", "https://thepointsguy.com/credit-cards/alaska-airlines-visa-signature-credit-card" ], "country": "US", "officialUrl": "https://www.bankofamerica.com/credit-cards/products/alaska-airlines-credit-card/" }, { "id": "bofa_premium_rewards", "name": "Bank of America Premium Rewards", "issuer": "Bank of America", "network": "Visa", "currency": "BOFA_POINTS", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0, "color": "#8c1d1d", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "dining", "rate": 2, "note": "Uncapped" }, { "category": "travel", "rate": 2, "note": "Includes flights, hotels, and other travel purchases; uncapped" }, { "category": "*", "rate": 1.5 } ], "credits": [ { "id": "bofa_premium_rewards-airline-incidental-credit", "label": "Airline incidental credit", "amount": 100, "period": "year", "cadence": "annual", "categories": [ "flights" ], "note": "Resets each calendar year; applies automatically to eligible incidental charges from your selected airline" } ], "perks": [ "Visa Signature Luxury Hotel Collection (room upgrade when available, late checkout, WiFi, daily breakfast, $25 F&B credit)", "Trip cancellation/interruption, trip delay, baggage delay, and lost luggage insurance", "Points don't expire while account is open", "Preferred Rewards bonus eligible" ], "welcomeBonusText": "60,000 online bonus points (~$600 value) after spending at least $4,000 in purchases in the first 90 days of account opening", "verifiedDate": "2026-08-21", "sources": [ "https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/", "https://www.nerdwallet.com/reviews/credit-cards/bank-of-america-premium-rewards", "https://www.bankofamerica.com/preferred-rewards/" ], "conversionNotes": [ "One-time credit not modelled: TSA PreCheck/Global Entry application fee credit ($100)." ], "country": "US", "officialUrl": "https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/" }, { "id": "bofa_air_france_klm_visa_signature", "name": "Air France KLM Visa Signature", "issuer": "Bank of America", "network": "Visa", "currency": "FLYING_BLUE", "annualFee": 89, "annualFeeUnknown": false, "fxFee": 0, "color": "#8c1d1d", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 3, "note": "Air France-KLM (and SkyTeam airlines) only: Air France, KLM, and SkyTeam member-airline purchases; not other airlines", "portalOnly": true, "brand": "Air France-KLM (and SkyTeam airlines)" }, { "category": "dining", "rate": 3, "note": "Eligible dining purchases" }, { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "5,000 bonus Flying Blue miles each card anniversary (requires at least $50 in card spend during the prior year)", "20 XP each cardmember anniversary, plus up to 80 additional XP for $15,000+ in prior-year spend (up to 160 total XP for $25,000+ spend)", "100 XP included in the welcome bonus, which grants automatic Flying Blue Silver status (priority check-in/boarding, free standard seat selection, one free extra checked bag on SkyTeam flights)", "No standalone free-checked-bag benefit at the base cardholder tier (a gap versus some competing airline cards)", "No foreign transaction fees" ], "welcomeBonusText": "70,000 bonus Flying Blue miles plus 100 XP (which grants automatic Flying Blue Silver status) after spending $3,000 in purchases within the first 90 days of account opening", "verifiedDate": "2026-08-21", "sources": [ "https://www.bankofamerica.com/content/documents/creditcard/air_france_klm_visa_signature_english.pdf", "https://www.nerdwallet.com/credit-cards/learn/air-france-klm-credit-card", "https://www.bankofamerica.com/credit-cards/credit-card-agreements/" ], "conversionNotes": [ "Extra base-rate tier not expressible: 3x (Bilt rent payments made through the card, capped at $50,000/year in eligible rent spend)." ], "country": "US", "officialUrl": "https://www.bankofamerica.com/content/documents/creditcard/air_france_klm_visa_signature_english.pdf" }, { "id": "bofa_allways_rewards_visa", "name": "Allways Rewards Visa", "issuer": "Bank of America", "network": "Visa", "currency": "ALLEGIANT_POINTS", "annualFee": 59, "annualFeeUnknown": false, "fxFee": 0, "color": "#8c1d1d", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 3, "note": "Allegiant only: Allegiant purchases: air, hotel, car rental, and attractions; not other airlines", "portalOnly": true, "brand": "Allegiant" }, { "category": "dining", "rate": 2, "note": "Qualifying dining purchases" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Free companion airfare after purchasing an eligible Allegiant vacation package (airfare plus 4+ hotel nights or 7+ rental car days on the same itinerary)", "No foreign transaction fee" ], "welcomeBonusText": "25,000 bonus points (approximately $250 toward Allegiant travel) after spending $1,000 or more in purchases within the first 90 days of account opening", "verifiedDate": "2026-08-21", "sources": [ "https://www.bankofamerica.com/content/documents/creditcard/allways_rewards_visa_english.pdf", "https://www.bankofamerica.com/credit-cards/products/allegiant-credit-card/", "https://upgradedpoints.com/news/allegiant-card-rebrand/" ], "country": "US", "officialUrl": "https://www.bankofamerica.com/credit-cards/products/allegiant-credit-card/" }, { "id": "bofa_customized_cash_rewards", "name": "Bank of America Customized Cash Rewards", "shortName": "Customized Cash Rewards", "issuer": "Bank of America", "network": "Visa/Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#8c1d1d", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "CHOICE", "rate": 3, "cap": 2500, "capPeriod": "quarter", "note": "Choice category, changeable once per calendar month: gas & EV charging (default), online shopping (incl. cable/internet/phone/streaming), dining, travel, drug stores, or home improvement & furnishings. Bank of America's terms: \"the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs\" - ONE COMBINED $2,500/quarter shared with the 2% grocery row below, not a separate $2,500. Issuer terms: \"Earn 3% and 2% cash back on up to $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter.\"", "choice": true, "choiceOptions": [ "gas", "ev_charging", "office_supply", "online_retail", "dining", "travel", "drugstores", "home_improvement", "fitness", "streaming", "groceries", "transit", "entertainment" ], "capGroup": "choice_plus_grocery" }, { "category": "groceries", "rate": 2, "cap": 2500, "capPeriod": "quarter", "note": "Also covers wholesale clubs. Shares the SAME combined $2,500-per-quarter cap with the 3% choice category above -- not a separate/additional $2,500. First 12 months from account opening this rate is pr. Issuer terms: \"Earn 3% and 2% cash back on up to $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter.\"", "capGroup": "choice_plus_grocery" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Free monthly FICO Score access", "Cash rewards don't expire while account is open", "Preferred Rewards bonus eligible" ], "welcomeBonusText": "$200 online cash rewards bonus after spending at least $1,000 in purchases in the first 90 days of account opening", "verifiedDate": "2026-09-15", "sources": [ "https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/cash-back-category-choices/", "https://www.bankofamerica.com/content/documents/creditcard/bank_of_america_customized_cash_rewards_english.pdf", "https://newsroom.bankofamerica.com/content/newsroom/press-releases/2025/05/bofa-boosts-cash-back-for-new-cash-rewards-credit-cardholders-.html" ], "country": "US", "officialUrl": "https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/cash-back-category-choices/" }, { "id": "bofa_customized_cash_rewards_secured", "name": "Bank of America Customized Cash Rewards Secured", "shortName": "Customized Cash Rewards Secured", "issuer": "Bank of America", "network": "Visa/Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#8c1d1d", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "CHOICE", "rate": 3, "cap": 2500, "capPeriod": "quarter", "note": "Same choice-category structure as the unsecured Customized Cash Rewards card: gas/EV charging, online shopping, dining, travel, drug stores, or home improvement/furnishings. Shares a combined $2,500-p", "choice": true, "choiceOptions": [ "gas", "ev_charging", "office_supply", "online_retail", "dining", "travel", "drugstores", "home_improvement", "fitness", "streaming", "groceries", "transit", "entertainment" ] }, { "category": "groceries", "rate": 2, "cap": 2500, "capPeriod": "quarter", "note": "Also covers wholesale clubs; shares the same combined $2,500/quarter cap with the 3% choice category above." }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Refundable security deposit required, $200 minimum (no maximum confirmed)", "Periodic account review for possible security-deposit return; graduation to an unsecured card is not guaranteed" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.bankofamerica.com/content/documents/creditcard/bank_of_america_customized_cash_rewards_secured_english.pdf", "https://www.bankofamerica.com/credit-cards/credit-card-agreements/", "https://www.bankrate.com/credit-cards/reviews/bank-of-america-customized-cash-rewards-secured" ], "country": "US", "officialUrl": "https://www.bankofamerica.com/content/documents/creditcard/bank_of_america_customized_cash_rewards_secured_english.pdf" }, { "id": "bofa_customized_cash_rewards_student", "name": "Bank of America Customized Cash Rewards for Students", "shortName": "Customized Cash Rewards for Students", "issuer": "Bank of America", "network": "Visa/Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#8c1d1d", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "CHOICE", "rate": 3, "cap": 2500, "capPeriod": "quarter", "note": "Same choice-category structure as the standard Customized Cash Rewards card; combined $2,500-per-quarter cap shared with the 2% grocery/wholesale-club rate. First 12 months at promotional 6%. Issuer terms: \"Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter.\"", "choice": true, "choiceOptions": [ "gas", "ev_charging", "office_supply", "online_retail", "dining", "travel", "drugstores", "home_improvement", "fitness", "streaming", "groceries", "transit", "entertainment" ], "capGroup": "choice_plus_grocery" }, { "category": "groceries", "rate": 2, "cap": 2500, "capPeriod": "quarter", "note": "Shares the same combined $2,500/quarter cap with the 3% choice category. First 12 months at promotional 6%. Issuer terms: \"Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter.\"", "capGroup": "choice_plus_grocery" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Marketed to applicants with limited/no credit history", "Preferred Rewards bonus eligible" ], "welcomeBonusText": "$200 online cash rewards bonus after spending at least $1,000 in purchases in the first 90 days of account opening", "verifiedDate": "2026-08-21", "sources": [ "https://www.bankofamerica.com/credit-cards/products/student-cash-back-credit-card/", "https://www.bankofamerica.com/credit-cards/student-credit-cards/" ], "country": "US", "officialUrl": "https://www.bankofamerica.com/credit-cards/products/student-cash-back-credit-card/" }, { "id": "bofa_travel_rewards", "name": "Bank of America Travel Rewards", "issuer": "Bank of America", "network": "Visa", "currency": "BOFA_POINTS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#8c1d1d", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 3, "note": "Travel purchases booked through the Bank of America Travel Center" }, { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "Points redeemable as a statement credit against any travel or restaurant purchase (flights, hotels, car/vacation rentals, baggage fees, takeout included)", "Points don't expire while account is open", "0% intro APR for 15 billing cycles on purchases and balance transfers made in the first 60 days (3% intro BT fee, then 5%)", "Preferred Rewards bonus eligible" ], "welcomeBonusText": "25,000 online bonus points (a $250 statement credit toward travel purchases) after spending at least $1,000 in purchases in the first 90 days", "verifiedDate": "2026-08-21", "sources": [ "https://www.nerdwallet.com/reviews/credit-cards/bank-of-america-travel-rewards", "https://www.bankofamerica.com/credit-cards/products/travel-rewards-credit-card/" ], "country": "US", "officialUrl": "https://www.bankofamerica.com/credit-cards/products/travel-rewards-credit-card/" }, { "id": "bofa_travel_rewards_student", "name": "Bank of America Travel Rewards Credit Card for Students", "issuer": "Bank of America", "network": "Visa", "currency": "BOFA_POINTS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#8c1d1d", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 3, "note": "Travel purchases booked through the Bank of America Travel Center" }, { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "Points redeemable as statement credit toward travel and dining purchases (flights, hotels, car/vacation rentals, baggage fees, takeout), no blackout dates", "0% intro APR for 15 billing cycles on purchases and balance transfers made in the first 60 days (3% intro BT fee, then 5%)", "Marketed to applicants with limited/no credit history", "Preferred Rewards/BofA Rewards bonus eligible (not independently re-confirmed for this student variant)" ], "welcomeBonusText": "25,000 online bonus points after spending at least $1,000 in purchases in the first 90 days of account opening (this is the figure corroborated by NerdWallet and other aggregators as of Aug 2026; BofA's own live page meta-description text mentions a 20,000-point figure instead, which may be stale/ca", "verifiedDate": "2026-08-21", "sources": [ "https://www.bankofamerica.com/credit-cards/products/student-rewards-credit-card/", "https://www.bankofamerica.com/credit-cards/student-credit-cards/", "https://www.nerdwallet.com/reviews/credit-cards/bank-of-america-travel-rewards-for-students" ], "country": "US", "officialUrl": "https://www.bankofamerica.com/credit-cards/products/student-rewards-credit-card/" }, { "id": "bofa_travel_rewards_secured", "name": "Bank of America Travel Rewards Secured", "shortName": "Travel Rewards Secured", "issuer": "Bank of America", "network": "Visa", "currency": "BOFA_POINTS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#8c1d1d", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "Points redeemable as statement credit toward travel and dining purchases (flights, hotels, dining/restaurant takeout)", "Refundable security deposit required, starting at $200 (no maximum confirmed)", "Periodic account review for possible security-deposit return; graduation to an unsecured card is not guaranteed" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.bankofamerica.com/content/documents/creditcard/bank_of_america_travel_rewards_secured_english.pdf", "https://www.bankofamerica.com/credit-cards/products/travel-rewards-secured-credit-card/", "https://www.creditminds.com/reviews/bank-of-america-travel-rewards-secured" ], "country": "US", "officialUrl": "https://www.bankofamerica.com/credit-cards/products/travel-rewards-secured-credit-card/" }, { "id": "bofa_unlimited_cash_rewards", "name": "Bank of America Unlimited Cash Rewards", "shortName": "Unlimited Cash Rewards", "issuer": "Bank of America", "network": "Visa/Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#8c1d1d", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "Cash rewards don't expire while account is open", "Redeemable any amount, any time, as statement credit or deposit to a BofA/Merrill account", "Preferred Rewards bonus eligible" ], "welcomeBonusText": "$200 online cash rewards bonus after spending at least $1,000 in purchases in the first 90 days of account opening", "verifiedDate": "2026-08-21", "sources": [ "https://www.bankofamerica.com/credit-cards/products/unlimited-cash-back-credit-card/", "https://www.bankofamerica.com/content/documents/creditcard/bank_of_america_unlimited_cash_rewards_english.pdf", "https://newsroom.bankofamerica.com/content/newsroom/press-releases/2025/05/bofa-boosts-cash-back-for-new-cash-rewards-credit-cardholders-.html" ], "country": "US", "officialUrl": "https://www.bankofamerica.com/credit-cards/products/unlimited-cash-back-credit-card/" }, { "id": "bofa_unlimited_cash_rewards_secured", "name": "Bank of America Unlimited Cash Rewards Secured", "shortName": "Unlimited Cash Rewards Secured", "issuer": "Bank of America", "network": "Visa/Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#8c1d1d", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "Refundable security deposit, $200 minimum up to $5,000 maximum", "Periodic account review for possible security-deposit return; graduation to an unsecured card is not guaranteed", "Redeemable as statement credit, direct deposit to a BofA account, or applied at checkout via Amazon.com/PayPal" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.bankofamerica.com/content/documents/creditcard/bank_of_america_unlimited_cash_rewards_secured_english.pdf", "https://www.forbes.com/advisor/credit-cards/reviews/bank-of-america-unlimited-cash-rewards-secured/", "https://wallethub.com/d/unlimited-cash-rewards-secured-card-1109c" ], "country": "US", "officialUrl": "https://www.bankofamerica.com/content/documents/creditcard/bank_of_america_unlimited_cash_rewards_secured_english.pdf" }, { "id": "bofa_unlimited_cash_rewards_student", "name": "Bank of America Unlimited Cash Rewards for Students", "shortName": "Unlimited Cash Rewards for Students", "issuer": "Bank of America", "network": "Visa/Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#8c1d1d", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "Marketed to applicants with limited/no credit history", "Preferred Rewards bonus eligible" ], "welcomeBonusText": "$200 online cash rewards bonus after spending at least $1,000 in purchases in the first 90 days of account opening", "verifiedDate": "2026-08-21", "sources": [ "https://www.bankofamerica.com/credit-cards/products/unlimited-cash-back-student-credit-card/", "https://www.bankofamerica.com/credit-cards/student-credit-cards/" ], "country": "US", "officialUrl": "https://www.bankofamerica.com/credit-cards/products/unlimited-cash-back-student-credit-card/" }, { "id": "bofa_bankamericard", "name": "BankAmericard", "issuer": "Bank of America", "network": "Visa/Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#8c1d1d", "cardType": "personal", "status": "open", "baseRateUnknown": true, "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [ "Free monthly FICO Score access", "No penalty APR" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.bankofamerica.com/credit-cards/products/bankamericard-credit-card/", "https://www.bankofamerica.com/content/documents/creditcard/bankamericard_english.pdf" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative)." ], "country": "US", "officialUrl": "https://www.bankofamerica.com/credit-cards/products/bankamericard-credit-card/" }, { "id": "bofa_bankamericard_secured", "name": "BankAmericard Secured", "issuer": "Bank of America", "network": "Visa/Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#8c1d1d", "cardType": "personal", "status": "open", "baseRateUnknown": true, "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [ "$0 Liability Guarantee and chip technology for added security", "Refundable security deposit required to open the account; exact minimum/maximum not independently confirmed for this specific card (sibling secured cards range $200-$5,000)", "Periodic account review for possible security-deposit return; graduation to an unsecured card is not guaranteed", "No penalty APR" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.bankofamerica.com/credit-cards/credit-card-agreements/", "https://www.bankofamerica.com/content/documents/creditcard/bankamericard_secured_english.pdf", "https://www.bankofamerica.com/credit-cards/products/secured-credit-card/" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative)." ], "country": "US", "officialUrl": "https://www.bankofamerica.com/credit-cards/products/secured-credit-card/" }, { "id": "bofa_bankamericard_student", "name": "BankAmericard for Students", "issuer": "Bank of America", "network": "Visa/Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#8c1d1d", "cardType": "personal", "status": "open", "baseRateUnknown": true, "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [ "Marketed to applicants with limited/no credit history", "Free monthly FICO Score access", "No penalty APR" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.bankofamerica.com/credit-cards/products/low-interest-student-credit-card/", "https://www.bankofamerica.com/credit-cards/student-credit-cards/" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative)." ], "country": "US", "officialUrl": "https://www.bankofamerica.com/credit-cards/products/low-interest-student-credit-card/" }, { "id": "bofa_nea_ratesmart_mastercard", "name": "NEA RateSmart Mastercard", "issuer": "Bank of America", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#8c1d1d", "cardType": "personal", "status": "open", "baseRateUnknown": true, "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [ "$0 Liability Guarantee and chip technology", "Museums on Us (free museum admission first weekend of the month, per association marketing pages)", "0% intro APR for 21 billing cycles on purchases and on balance transfers made in the first 60 days of account opening (5% balance transfer fee applies)", "No penalty APR", "Marketed exclusively to members of the National Education Association and its state/local affiliates via association-specific member-benefit portals and application priority codes" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.bankofamerica.com/content/documents/creditcard/national_education_association_ratesmart_mastercard_english.pdf", "https://www.neamb.com/products/the-nea-ratesmart-card", "https://www.ctamemberbenefits.org/Financial-Services/Credit-Card" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative)." ], "country": "US", "officialUrl": "https://www.bankofamerica.com/content/documents/creditcard/national_education_association_ratesmart_mastercard_english.pdf" }, { "id": "bofa_norwegian_cruise_line_world_mastercard", "name": "Norwegian Cruise Line World Mastercard", "issuer": "Bank of America", "network": "Mastercard", "currency": "NCL_POINTS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#8c1d1d", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel", "rate": 3, "note": "Norwegian Cruise Line purchases" }, { "category": "flights", "rate": 2, "note": "Eligible air purchases" }, { "category": "hotels", "rate": 2, "note": "Eligible hotel purchases" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Points redeemable for stateroom upgrades, onboard credit, cruise discounts, last-minute cruises, car rentals, hotel stays, cash, or gift cards", "Preferred Rewards/BofA Rewards members reportedly earn 25%-75% more points per purchase per NCL program materials (not independently re-confirmed against the specific 4-tier May 2026 BofA Rewards structure used elsewhere in this dataset)", "No annual fee, no foreign transaction fee" ], "welcomeBonusText": "20,000 bonus points (approximately $200 in value toward onboard credit or a future NCL cruise) after spending $1,000 or more within the first 90 days of account opening", "verifiedDate": "2026-08-21", "sources": [ "https://www.bankofamerica.com/content/documents/creditcard/norwegian_cruise_line_world_mastercard_english.pdf", "https://thepointsguy.com/credit-cards/norwegian-cruise-line-credit-card-review", "https://www.ncl.com/world-points" ], "country": "US", "officialUrl": "https://www.bankofamerica.com/content/documents/creditcard/norwegian_cruise_line_world_mastercard_english.pdf" }, { "id": "bofa_royal_one_visa_signature", "name": "Royal ONE Visa Signature", "issuer": "Bank of America", "network": "Visa", "currency": "ROYAL_ONE_POINTS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#8c1d1d", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel", "rate": 3, "note": "Royal Caribbean International, Celebrity Cruises, and Silversea Cruises purchases" }, { "category": "gas", "rate": 2, "note": "Also EV charging" }, { "category": "groceries", "rate": 2 }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "bofa_royal_one_visa_signature-anniversary-cruise-discount-reward", "label": "Anniversary cruise-discount reward", "amount": 100, "period": "year", "cadence": "annual", "categories": [], "note": "Only awarded if $10,000+ was spent on the card during the prior cardmember anniversary year; not an unconditional annual credit", "automatic": true, "resetsOn": "anniversary" } ], "perks": [ "Priority boarding on Royal Caribbean and Celebrity sailings", "Visa Signature travel and purchase protections", "No annual fee, no foreign transaction fee" ], "welcomeBonusText": "45,000 bonus points after spending $2,000 in purchases within the first 90 days of account opening", "verifiedDate": "2026-08-21", "sources": [ "https://www.bankofamerica.com/content/documents/creditcard/royal_one_visa_signature_english.pdf", "https://thepointsguy.com/credit-cards/reviews/royal-one-visa-signature-review", "https://www.nerdwallet.com/credit-cards/reviews/royal-one-visa" ], "country": "US", "officialUrl": "https://www.bankofamerica.com/content/documents/creditcard/royal_one_visa_signature_english.pdf" }, { "id": "bofa_sandals_visa_signature", "name": "Sandals Visa Signature", "issuer": "Bank of America", "network": "Visa", "currency": "SANDALS_POINTS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#8c1d1d", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel", "rate": 4, "note": "Sandals and Beaches Resorts purchases only (not other travel)", "portalOnly": true, "brand": "Sandals and Beaches Resorts" }, { "category": "groceries", "rate": 2, "note": "Qualifying grocery purchases" }, { "category": "dining", "rate": 2, "note": "Qualifying dining purchases" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Points redeemable for Sandals/Beaches travel discounts, spa credits, or donation to the Sandals Foundation", "No annual fee, no foreign transaction fee" ], "signup": { "bonusPoints": 30000, "spendReq": 2000, "months": 3, "offerVerifiedDate": "2026-09-14", "note": "Plus a $100 statement credit; limited-time online offer. Bank of America's own card page is gone, so the source is the Sandals co-brand page." }, "verifiedDate": "2026-09-03", "sources": [ "https://www.bankofamerica.com/content/documents/creditcard/sandals_visa_signature_english.pdf", "https://www.supermoney.com/reviews/personal-credit-cards/sandals-visa-signature-credit-card", "https://www.bankofamerica.com/credit-cards/credit-card-agreements/", "https://www.sandals.com/sandalscard/" ], "country": "US", "officialUrl": "https://www.sandals.com/sandalscard/" }, { "id": "barclays_aadvantage_aviator_business", "name": "AAdvantage Aviator Business Mastercard", "issuer": "Barclays", "network": "Mastercard", "currency": "AA_MILES", "annualFee": 99, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b5b8a", "cardType": "business", "status": "discontinued", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 2, "note": "American Airlines only: American Airlines purchases; not other airlines", "portalOnly": true, "brand": "American Airlines" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "First checked bag free for cardholder and up to 4 companions on domestic AA flights", "Preferred boarding", "25% statement credit on inflight food & beverage purchases on AA-operated flights", "$0 fraud liability" ], "verifiedDate": "2026-08-21", "sources": [ "https://thepointsguy.com/news/american-airlines-goodbye-barclays/", "https://www.nerdwallet.com/credit-cards/news/barclays-aadvantage-aviator-cards-close-to-new-applicants" ], "country": "US" }, { "id": "barclays_hawaiian_airlines_business", "name": "Hawaiian Airlines World Elite Business Mastercard", "issuer": "Barclays", "network": "Mastercard", "currency": "ALASKA", "annualFee": 99, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b5b8a", "cardType": "business", "status": "closed_to_new", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 3, "note": "Hawaiian Airlines only: direct purchases from Hawaiian Airlines and Alaska Airlines; recalled rate, not independently re-verified this session; not other airlines", "portalOnly": true, "brand": "Hawaiian Airlines" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Checked bag benefit for primary cardmember on direct Hawaiian ticket purchases", "No foreign transaction fees" ], "verifiedDate": "2026-09-03", "sources": [ "https://www.alaskaair.com/atmos", "https://cloud9club.net/hawaiian-airlines-credit-card-changes/" ], "country": "US", "conversionNotes": [ "HawaiianMiles merged into Atmos Rewards (Alaska + Hawaiian) on 2025-10-01 at 1:1; currency keyed as ALASKA (Atmos Rewards)." ], "officialUrl": "https://www.alaskaair.com/atmos" }, { "id": "barclays_jetblue_business_card", "name": "JetBlue Business Card", "issuer": "Barclays", "network": "Mastercard", "currency": "JETBLUE_TRUEBLUE", "annualFee": 99, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b5b8a", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 6, "note": "JetBlue only: JetBlue and Paisly purchases; not other airlines", "portalOnly": true, "brand": "JetBlue" }, { "category": "dining", "rate": 2 }, { "category": "office_supply", "rate": 2 }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "barclays_jetblue_business_card-jetblue-vacations-package-credit", "label": "JetBlue Vacations package credit", "amount": 100, "period": "year", "cadence": "annual", "categories": [], "note": "Statement credit after purchasing a JetBlue Vacations package with the card each cardmember year", "automatic": true } ], "perks": [ "Free first checked bag for cardholder and up to 3 companions on the same reservation", "TrueBlue Mosaic elite status after $50,000 in calendar-year spend", "No foreign transaction fees", "Redeem for any seat, any time on JetBlue-operated flights" ], "welcomeBonusText": "50,000 bonus points after spending $4,000 on purchases and paying the annual fee in full, both within the first 90 days; plus 5,000 bonus points every account anniversary", "verifiedDate": "2026-09-08", "sources": [ "https://cards.barclaycardus.com/banking/cards/jetblue-business-card/", "https://www.forbes.com/advisor/credit-cards/details/jetblue-business-card/" ], "country": "US", "officialUrl": "https://cards.barclaycardus.com/banking/cards/jetblue-business-card/" }, { "id": "barclays_wyndham_rewards_earner_business", "name": "Wyndham Rewards Earner Business Card", "issuer": "Barclays", "network": "Mastercard", "currency": "WYNDHAM_REWARDS", "annualFee": 149, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b5b8a", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 8, "note": "Hotels by Wyndham stays and Wyndham Travel Bundles only (not other hotel brands)", "portalOnly": true, "brand": "Wyndham" }, { "category": "gas", "rate": 5 }, { "category": "ev_charging", "rate": 5 }, { "category": "advertising", "rate": 5, "note": "Marketing and advertising purchases" }, { "category": "office_supply", "rate": 5, "note": "Office supply stores" }, { "category": "shipping", "rate": 5 }, { "category": "*", "rate": 1, "note": "Utilities, telecom and cable no longer earn a bonus on the refreshed card (existing pre-2026-06-17 cardholders keep 5x)" } ], "credits": [], "perks": [ "Wyndham Rewards Diamond elite status", "15,000 anniversary bonus points after paying the annual fee", "20% fewer points needed on award nights", "$65 wholesale-club membership statement credit per year", "National Car Rental Emerald Club Executive status", "No foreign transaction fees" ], "verifiedDate": "2026-09-03", "sources": [ "https://cards.barclaycardus.com/banking/cards/wyndham-rewards-earner-business-card/", "https://investor.wyndhamhotels.com/news-events/press-releases/detail/422/wyndham-and-barclays-launch-updated-credit-card-suite", "https://frequentmiler.com/wyndham-cards-refresh-new-premium-card-new-welcome-offers-new-benefits-and-new-changed-earning-rates-for-new-applicants/", "https://www.uscreditcardguide.com/barclays-wyndham-earner-business-credit-card/", "https://cards.barclaycardus.com/banking/cards/" ], "country": "US", "signup": { "bonusPoints": 45000, "spendReq": 3000, "months": 3, "note": "Plus a further 55,000 points after $500 at Hotels by Wyndham in the first 180 days (up to 100,000 total); we count only the spend-anywhere tier", "offerVerifiedDate": "2026-09-14" }, "welcomeBonusText": "Up to 100,000 bonus points: 45,000 after spending $3,000 in the first 90 days, plus 55,000 after spending $500 at Hotels by Wyndham in the first 180 days", "conversionNotes": [ "Terms shown are for NEW applicants on/after 2026-06-17; cardholders approved before that date keep the prior fee, earn rates and benefits (Barclays/Wyndham confirmed no forced migration)." ], "officialUrl": "https://cards.barclaycardus.com/banking/cards/wyndham-rewards-earner-business-card/" }, { "id": "barclays_emirates_skywards_premium", "name": "Emirates Skywards Premium World Elite Mastercard", "shortName": "Emirates Skywards Premium", "issuer": "Barclays", "network": "Mastercard", "currency": "SKYWARDS_MILES", "annualFee": 499, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b5b8a", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 3, "note": "Emirates only: purchases on emirates.com or at an Emirates sales office; not other airlines", "portalOnly": true, "brand": "Emirates" }, { "category": "travel", "rate": 2, "note": "Airfare, hotel and car-rental purchases" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "barclays_emirates_skywards_premium-global-entry-tsa-precheck-applicat", "label": "Global Entry / TSA PreCheck application fee credit", "amount": 30, "period": "year", "cadence": "every4y", "categories": [ "travel" ], "note": "Up to $120 for Global Entry (or ~$85 TSA PreCheck) once every 4 years \u2014 shown as $30/yr amortized. Does not expire yearly." } ], "perks": [ "Emirates Skywards Gold tier membership status for the first year (retained from year two by spending $40,000/year)", "Priority Pass Select airport lounge membership for the primary card member and authorized users", "10,000 anniversary bonus Miles after spending $30,000 within one year of account opening", "1 Tier Mile for every 4 Skywards Miles earned (capped at 15,000 Tier Miles per card-cycle year)", "25% discount on Buy Miles/Gift Miles purchases", "No foreign transaction fees", "Miles do not expire while the account is open and in good standing" ], "welcomeBonusText": "70,000 Skywards Miles after spending $3,000 in net purchases within the first 90 days (promotional offer effective July 8, 2026 through October 6, 2026; standard ongoing offer may differ)", "verifiedDate": "2026-08-21", "sources": [ "https://www.emirates.com/us/english/skywards/partners/barclays/" ], "country": "US", "officialUrl": "https://www.emirates.com/us/english/skywards/partners/barclays/" }, { "id": "barclays_jetblue_premier", "name": "JetBlue Premier Card", "issuer": "Barclays", "network": "Mastercard", "currency": "TRUEBLUE", "annualFee": 499, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b5b8a", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 6, "note": "JetBlue only: JetBlue purchases; also earns on Paisly by JetBlue, including JetBlue Vacations; not other airlines", "portalOnly": true, "brand": "JetBlue" }, { "category": "dining", "rate": 2 }, { "category": "groceries", "rate": 2, "note": "eligible grocery stores" }, { "category": "*", "rate": 1 } ], "credits": [], "conditionalCredits": [ { "id": "barclays_jetblue_premier-trueblue-travel-statement-credit", "label": "TrueBlue Travel statement credit", "amount": 300, "period": "year", "cadence": "annual", "categories": [ "hotels" ], "note": "Up to $300 in statement credits per calendar year for bookings made through TrueBlue Travel", "conditional": true, "gate": "Six $50 credits, each requiring a $250+ Paisly booking." }, { "id": "barclays_jetblue_premier-companion-pass-statement-credit-ti", "label": "Companion pass statement credit (Tier 1)", "amount": 500, "period": "year", "cadence": "annual", "categories": [], "note": "Unlocked after $15,000 in eligible purchases in a calendar year; delivered as a statement credit of up to $500 after booking a trip and paying with the card. Resets each calendar year.", "automatic": true, "conditional": true, "gate": "Spend-gated and cumulative: up to $500 at $15,000 spend, plus up to $1,500 more at $75,000. Also requires booking and flying with a paid companion. Realistic value for a typical holder is $0-$500." }, { "id": "barclays_jetblue_premier-companion-pass-statement-credit-ti", "label": "Companion pass statement credit (Tier 2)", "amount": 1500, "period": "year", "cadence": "annual", "categories": [], "note": "Unlocked after $75,000 in eligible purchases in a calendar year (in addition to the $15K tier); delivered as a statement credit of up to $1,500. Resets each calendar year.", "automatic": true, "conditional": true, "gate": "Spend-gated and cumulative: up to $500 at $15,000 spend, plus up to $1,500 more at $75,000. Also requires booking and flying with a paid companion. Realistic value for a typical holder is $0-$500." } ], "perks": [ "Priority Pass Select membership - cardmember plus one guest, 1,500+ lounges worldwide", "Complimentary access to JetBlue BlueHouse lounges at JFK Terminal 5 and Boston Logan Terminal C", "Global Entry or TSA PreCheck application fee statement credit, up to $120, once every four years", "Group A priority boarding on JetBlue-operated flights for the cardmember and up to 4 companions on the reservation", "One free checked bag for the cardmember and up to 3 companions on the same reservation", "25 Tiles toward JetBlue Mosaic elite status automatically each calendar year (half of the 50 Tiles needed for Mosaic 1)", "1 Tile earned per $1,000 in eligible spend toward Mosaic status", "15% points rebate after redeeming points for any award flight (JetBlue or partner), no stated cap" ], "welcomeBonusText": "100,000 bonus TrueBlue points after spending $5,000 on purchases and paying the annual fee in full, both within the first 90 days of account opening", "verifiedDate": "2026-08-21", "sources": [ "https://upgradedpoints.com/news/jetblue-premier-card-adds-perks-2026/", "https://frequentmiler.com/new-jetblue-premier-card-benefits-are-live-now-with-100k-welcome-offer/", "https://news.jetblue.com/latest-news/press-release-details/2026/JetBlue-and-Barclays-Enhance-Airlines-Popular-Premier-Card-with-New-Benefits-and-Expanded-Rewards/default.aspx" ], "country": "US", "officialUrl": "https://news.jetblue.com/latest-news/press-release-details/2026/JetBlue-and-Barclays-Enhance-Airlines-Popular-Premier-Card-with-New-Benefits-and-Expanded-Rewards/default.aspx" }, { "id": "barclays_wyndham_earner_premier", "name": "Wyndham Rewards Earner Premier Card", "issuer": "Barclays", "network": "Mastercard", "currency": "WYNDHAM_REWARDS", "annualFee": 395, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b5b8a", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 8, "note": "Hotels by Wyndham stays and Wyndham Travel Bundles only (not other hotel brands)", "portalOnly": true, "brand": "Wyndham" }, { "category": "dining", "rate": 4, "note": "Also Wyndham Vacation Club spend" }, { "category": "groceries", "rate": 4, "note": "excludes Target and Walmart" }, { "category": "travel", "rate": 4, "note": "Airfare, car rental, rideshare, tolls, trains (gas and EV charging listed separately)" }, { "category": "gas", "rate": 4 }, { "category": "ev_charging", "rate": 4 }, { "category": "rideshare", "rate": 4 }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "barclays_wyndham_earner_premier-wyndham-hotel-credit", "label": "Wyndham Hotel Credit", "amount": 100, "period": "year", "cadence": "annual", "categories": [ "hotels" ], "note": "Single statement credit of up to $100 after spending $100+ in aggregate at qualifying Wyndham-family brands each calendar year" }, { "id": "barclays_wyndham_earner_premier-meal-delivery-credit", "label": "Meal delivery credit", "amount": 120, "period": "year", "cadence": "monthly", "categories": [], "note": "Up to $10 back per month, capped at $120 per calendar year", "automatic": true }, { "id": "barclays_wyndham_earner_premier-streaming-service-credit", "label": "Streaming service credit", "amount": 100, "period": "year", "cadence": "annual", "categories": [ "streaming" ], "enrollmentRequired": true, "note": "Up to $100 per calendar year; Barclays has not published a monthly/quarterly breakdown, sources describe it as a single annual cap rather than fixed periodic installments - confirm exact posting cadence before relying on" }, { "id": "barclays_wyndham_earner_premier-wholesale-club-membership-credit", "label": "Wholesale club membership credit", "amount": 65, "period": "year", "cadence": "annual", "categories": [], "note": "Single statement credit of up to $65 per calendar year toward a warehouse club membership", "automatic": true }, { "id": "barclays_wyndham_earner_premier-anniversary-bonus-points", "label": "Anniversary bonus points", "amount": 240, "period": "year", "cadence": "annual", "categories": [], "note": "30,000 Wyndham Rewards points each anniversary, valued at our 0.8 cents per point. Market valuations run 0.7-1.1 cents.", "automatic": true, "resetsOn": "anniversary" } ], "perks": [ "Automatic Wyndham Rewards Diamond elite status (program's top published tier)", "25% fewer points required for standard award-night redemptions", "Complimentary Wyndham Rewards Insider membership (approx. $95 value)", "National Car Rental Emerald Club Executive status", "TSA PreCheck or Global Entry application fee statement credit, up to $125, once every four years", "Points never expire (first Wyndham co-brand card with this feature; other Wyndham cards' points expire after 18 months of inactivity / 4 years max)", "Access to Points Payback: redeem Wyndham points for statement credits toward eligible purchases" ], "welcomeBonusText": "Up to 120,000 points: 90,000 points after spending $6,000 on purchases in the first 120 days, plus 30,000 points after spending $750 at Hotels by Wyndham in the first 180 days", "verifiedDate": "2026-09-03", "sources": [ "https://cards.barclaycardus.com/banking/cards/wyndham-rewards-earner-premier-card/", "https://investor.wyndhamhotels.com/news-events/press-releases/detail/422/wyndham-and-barclays-launch-updated-credit-card-suite", "https://thepointsguy.com/news/wyndam-new-premium-credit-card/", "https://www.uscreditcardguide.com/barclays-wyndham-earner-premier-credit-card/", "https://money.usnews.com/credit-cards/articles/barclays-introduces-new-wyndham-rewards-earner-premier-card" ], "country": "US", "signup": { "bonusPoints": 90000, "spendReq": 6000, "months": 4, "note": "90,000 after $6,000 in the first 120 days, plus 30,000 after $750 at Hotels by Wyndham in the first 180 days (up to 120,000 total); we count only the spend-anywhere tier", "offerVerifiedDate": "2026-09-14" }, "officialUrl": "https://cards.barclaycardus.com/banking/cards/wyndham-rewards-earner-premier-card/", "shortName": "Wyndham Rewards Earner Premier" }, { "id": "barclays_aadvantage_aviator_silver", "name": "AAdvantage Aviator World Elite Silver Mastercard", "issuer": "Barclays", "network": "Mastercard", "currency": "AA_MILES", "annualFee": 199, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b5b8a", "cardType": "personal", "status": "closed_to_new", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 2, "note": "American Airlines only: American Airlines purchases; recalled rate, not independently re-verified this session; not other airlines", "portalOnly": true, "brand": "American Airlines" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "First checked bag free for cardholder and companions on the same reservation", "Preferred boarding", "Companion certificate each cardmember year at an elevated annual spend threshold", "Loyalty Points boost toward AAdvantage elite status: up to 15,000 bonus Loyalty Points per year (5,000 each at $20,000 / $40,000 / $50,000 in annual card spend)", "Admirals Club day passes" ], "verifiedDate": "2026-08-21", "sources": [ "https://thepointsguy.com/news/american-airlines-goodbye-barclays/", "https://www.uscreditcardguide.com/barclaycard-aadvantage-aviator-silver-credit-card/", "https://www.uscreditcardguide.com/barclaycard-aadvantage-aviator-red-credit-card/" ], "country": "US" }, { "id": "barclays_arrival_premier", "name": "Barclays Arrival Premier World Elite Mastercard", "issuer": "Barclays", "network": "Mastercard", "currency": "BARCLAYS_POINTS", "annualFee": 150, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b5b8a", "cardType": "personal", "status": "closed_to_new", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 2 } ], "credits": [ { "id": "barclays_arrival_premier-global-entry-tsa-precheck-applicat", "label": "Global Entry / TSA PreCheck application fee credit", "amount": 30, "period": "year", "cadence": "every4y", "categories": [ "travel" ], "note": "Up to $120 for Global Entry (or ~$85 TSA PreCheck) once every 4 years \u2014 shown as $30/yr amortized. Does not expire yearly." } ], "perks": [ "25,000 loyalty bonus miles each year after $25,000 in purchases", "Mastercard Airport Experiences provided by LoungeKey", "No foreign transaction fees", "International chip-and-PIN capability" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.creditcards.com/reviews/barclays-arrival-premier-world-elite-mastercard/", "https://www.nerdwallet.com/blog/credit-cards/barclays-arrival-premier-no-longer-accepting-applications/" ], "country": "US" }, { "id": "barclays_aadvantage_aviator_red", "name": "AAdvantage Aviator Red World Elite Mastercard", "issuer": "Barclays", "network": "Mastercard", "currency": "AA_MILES", "annualFee": 99, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b5b8a", "cardType": "personal", "status": "discontinued", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 2, "note": "American Airlines only: American Airlines purchases; not other airlines", "portalOnly": true, "brand": "American Airlines" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "barclays_aadvantage_aviator_red-inflight-wi-fi-credit", "label": "Inflight Wi-Fi credit", "amount": 25, "period": "year", "cadence": "annual", "categories": [ "flights" ], "note": "Up to $25 back per account anniversary year as a statement credit", "resetsOn": "anniversary" } ], "perks": [ "First checked bag free for the primary cardholder and up to 4 companions on domestic AA flights", "Preferred boarding for cardholder and up to 4 companions", "25% statement credit on inflight food & beverage purchases on AA-operated flights", "Companion certificate for one guest at $99 + taxes/fees after $20,000 spend in a cardmember year (account must remain open 45 days past anniversary)", "$0 fraud liability" ], "welcomeBonusText": "50,000 AAdvantage bonus miles after first purchase, plus paying the $99 annual fee in full, both within 90 days of account opening (last confirmed Barclays offer before the card closed to new applicants)", "verifiedDate": "2026-08-21", "sources": [ "https://www.forbes.com/advisor/credit-cards/reviews/aadvantage-aviator-red-world-elite-mastercard-credit-card/", "https://thepointsguy.com/news/american-airlines-goodbye-barclays/", "https://www.creditodds.com/news/barclays-aadvantage-cards-citi-transition" ], "country": "US" }, { "id": "barclays_emirates_skywards_rewards", "name": "Emirates Skywards Rewards World Elite Mastercard", "shortName": "Emirates Skywards Rewards", "issuer": "Barclays", "network": "Mastercard", "currency": "SKYWARDS_MILES", "annualFee": 99, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b5b8a", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 3, "note": "Emirates only: purchases on emirates.com or at an Emirates sales office; not other airlines", "portalOnly": true, "brand": "Emirates" }, { "category": "travel", "rate": 2, "note": "Airfare, hotel and car-rental purchases" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Emirates Skywards Silver tier membership status for the first year (retained from year two by spending $20,000/year)", "1 Tier Mile for every 4 Skywards Miles earned (capped at 15,000 Tier Miles per card-cycle year)", "25% discount on Buy Miles/Gift Miles purchases", "No foreign transaction fees", "Miles do not expire while the account is open and in good standing" ], "welcomeBonusText": "40,000 Skywards Miles after spending $3,000 in net purchases within the first 90 days (promotional offer effective July 8, 2026 through October 6, 2026; standard ongoing offer may differ)", "verifiedDate": "2026-08-21", "sources": [ "https://www.emirates.com/us/english/skywards/partners/barclays/" ], "country": "US", "officialUrl": "https://www.emirates.com/us/english/skywards/partners/barclays/" }, { "id": "barclays_frontier_airlines_world_mastercard", "name": "Frontier Airlines World Mastercard", "issuer": "Barclays", "network": "Mastercard", "currency": "FRONTIER_MILES", "annualFee": 99, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b5b8a", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 5, "note": "Eligible purchases at flyfrontier.com only (Frontier's own site/app); Barclays advertises 'up to 15x' by stacking Frontier's base program miles, which are not card earnings", "portalOnly": true, "brand": "Frontier (flyfrontier.com)" }, { "category": "dining", "rate": 3, "note": "Eligible restaurant purchases" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "$0 intro annual fee for the first year, then $99", "Instant Elite Gold status after first purchase in the first 90 days", "Two free checked bags on eligible Frontier flights", "$100 flight voucher each anniversary after $2,500 spend in the cardmember year", "1 Elite Status Point per $1 spent", "Zone 2 priority boarding", "Award redemption fee waived when taxes/fees are paid with the card", "No foreign transaction fees" ], "welcomeBonusText": "50,000 travel miles after spending $1,000 on purchases within 90 days of account opening; $0 intro annual fee for the first year, then $99", "verifiedDate": "2026-09-03", "sources": [ "https://cards.barclaycardus.com/banking/cards/frontier-airlines-world-mastercard/", "https://www.forbes.com/advisor/credit-cards/details/frontier-airlines-world-mastercard/", "https://www.prnewswire.com/news-releases/frontier-airlines-and-barclays-extend-long-term-partnership-to-deliver-more-value-for-frontier-airlines-world-mastercard--cardmembers-302814956.html" ], "country": "US", "signup": { "bonusPoints": 50000, "spendReq": 500, "months": 3, "note": "After $500 in purchases AND paying the $99 annual fee in full, both within 90 days of account opening (no first-year waiver on the issuer's page as of 2026-09-14). Barclays adds 10,000 more once an authorized user is added, so the headline reads 'up to 60,000'.", "offerVerifiedDate": "2026-09-14" }, "conversionNotes": [ "Annual fee is $0 the first year and $99 thereafter; the catalog stores the ongoing $99 so break-even math is not flattered by the intro year." ], "officialUrl": "https://cards.barclaycardus.com/banking/cards/frontier-airlines-world-mastercard/" }, { "id": "barclays_hawaiian_airlines_bank_of_hawaii_world_elite", "name": "Hawaiian Airlines Bank of Hawaii World Elite Mastercard", "issuer": "Barclays", "network": "Mastercard", "currency": "ALASKA", "annualFee": 99, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b5b8a", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 3, "note": "Hawaiian Airlines only: direct purchases from Hawaiian Airlines and Alaska Airlines; not other airlines", "portalOnly": true, "brand": "Hawaiian Airlines" }, { "category": "gas", "rate": 2 }, { "category": "dining", "rate": 2 }, { "category": "groceries", "rate": 2 }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Two free checked bags for the primary cardmember on tickets bought direct from Hawaiian/Alaska", "One-time 50% off companion discount on a roundtrip coach fare between Hawaii and North America on Hawaiian Airlines", "Discounted award flights on Hawaiian Airlines", "No foreign transaction fees" ], "welcomeBonusText": "60,000 Atmos Rewards points after spending $1,000 on purchases within the first 90 days", "verifiedDate": "2026-09-03", "sources": [ "https://www.alaskaair.com/atmos", "https://www.forbes.com/advisor/credit-cards/details/hawaiian-airlines-world-elite-mastercard/", "https://cloud9club.net/hawaiian-airlines-credit-card-changes/" ], "country": "US", "conversionNotes": [ "HawaiianMiles merged into Atmos Rewards (Alaska + Hawaiian) on 2025-10-01 at 1:1; currency keyed as ALASKA (Atmos Rewards)." ], "officialUrl": "https://www.alaskaair.com/atmos" }, { "id": "barclays_hawaiian_airlines_world_elite", "name": "Hawaiian Airlines World Elite Mastercard", "issuer": "Barclays", "network": "Mastercard", "currency": "ALASKA", "annualFee": 99, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b5b8a", "cardType": "personal", "status": "closed_to_new", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 3, "note": "Hawaiian Airlines only: direct purchases from Hawaiian Airlines and Alaska Airlines; not other airlines", "portalOnly": true, "brand": "Hawaiian Airlines" }, { "category": "gas", "rate": 2 }, { "category": "dining", "rate": 2 }, { "category": "groceries", "rate": 2 }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Two free checked bags for the primary cardmember on tickets bought direct from Hawaiian/Alaska", "One-time 50% off companion discount on a roundtrip coach fare between Hawaii and North America on Hawaiian Airlines", "Discounted award flights on Hawaiian Airlines", "Points can be shared with friends/family", "No foreign transaction fees" ], "welcomeBonusText": "60,000 Atmos Rewards points after spending $1,000 on purchases within the first 90 days (terms for the still-open Bank of Hawaii co-branded sibling card; the directly Barclays.com-marketed version stopped taking applications on October 1, 2025)", "verifiedDate": "2026-09-03", "sources": [ "https://www.alaskaair.com/atmos", "https://cloud9club.net/hawaiian-airlines-credit-card-changes/", "https://www.forbes.com/advisor/credit-cards/details/hawaiian-airlines-world-elite-mastercard/", "https://beatofhawaii.com/hawaiian-airlines-credit-card-vanishes-leaving-travelers-confused/" ], "country": "US", "conversionNotes": [ "HawaiianMiles merged into Atmos Rewards (Alaska + Hawaiian) on 2025-10-01 at 1:1; currency keyed as ALASKA (Atmos Rewards)." ], "officialUrl": "https://www.alaskaair.com/atmos" }, { "id": "barclays_jetblue_plus_card", "name": "JetBlue Plus Card", "issuer": "Barclays", "network": "Mastercard", "currency": "JETBLUE_TRUEBLUE", "annualFee": 99, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b5b8a", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 6, "note": "JetBlue only: JetBlue and Paisly purchases; not other airlines", "portalOnly": true, "brand": "JetBlue" }, { "category": "dining", "rate": 2 }, { "category": "groceries", "rate": 2 }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Free first checked bag for cardholder and up to 3 companions on the same reservation", "50% savings statement credit on eligible inflight food & drink purchases", "No blackout dates on JetBlue-operated award flights", "TrueBlue Mosaic elite status for the remainder of the year plus the following year after $50,000 in calendar-year spend", "10% points back after completing a JetBlue-operated award flight" ], "welcomeBonusText": "60,000 bonus points after spending $1,000 on purchases and paying the annual fee in full, both within the first 90 days; plus 5,000 bonus points every year on renewal", "verifiedDate": "2026-09-08", "sources": [ "https://cards.barclaycardus.com/banking/cards/jetblue-plus-card/", "https://www.forbes.com/advisor/credit-cards/reviews/jetblue-plus-card/" ], "country": "US", "officialUrl": "https://cards.barclaycardus.com/banking/cards/jetblue-plus-card/" }, { "id": "wf_choice_privileges_select_mastercard", "name": "Choice Privileges Select Mastercard", "issuer": "Wells Fargo", "network": "Mastercard", "currency": "CHOICE_PRIVILEGES", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b5b8a", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 10, "note": "Choice Hotels only: Choice Hotels stays; not other hotel brands", "portalOnly": true, "brand": "Choice Hotels" }, { "category": "gas", "rate": 5 }, { "category": "groceries", "rate": 5 }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Choice Privileges Elite Platinum status", "No foreign transaction fees" ], "signup": { "bonusPoints": 60000, "spendReq": 3000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.wellsfargo.com/wells-fargo-choice-privileges-credit-cards", "https://www.forbes.com/advisor/credit-cards/details/choice-privileges-select-mastercard/" ], "country": "US", "officialUrl": "https://creditcards.wellsfargo.com/wells-fargo-choice-privileges-credit-cards" }, { "id": "barclays_arrival_plus", "name": "Barclaycard Arrival Plus World Elite Mastercard", "issuer": "Barclays", "network": "Mastercard", "currency": "BARCLAYS_POINTS", "annualFee": 89, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b5b8a", "cardType": "personal", "status": "closed_to_new", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 2 } ], "credits": [], "perks": [ "Miles redeemable toward travel statement credits at 1 cent each (2,500 miles = $25 in travel credit), or cash back/gift cards/merchandise at lower value", "No foreign transaction fees" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.nerdwallet.com/credit-cards/reviews/barclays-arrival-plus" ], "country": "US" }, { "id": "barclays_wyndham_rewards_earner_plus", "name": "Wyndham Rewards Earner Plus Card", "issuer": "Barclays", "network": "Mastercard", "currency": "WYNDHAM_REWARDS", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b5b8a", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 6, "note": "Hotels by Wyndham stays and Wyndham Travel Bundles only (not other hotel brands)", "portalOnly": true, "brand": "Wyndham" }, { "category": "gas", "rate": 4, "note": "Counted under Wyndham's 'travel' category (gas, EV charging, airfare, car rental, rideshare, tolls, trains) as identified by MCC" }, { "category": "ev_charging", "rate": 4 }, { "category": "travel", "rate": 4, "note": "Airfare, car rental, rideshare, tolls, trains" }, { "category": "rideshare", "rate": 4 }, { "category": "dining", "rate": 4 }, { "category": "groceries", "rate": 4, "note": "Excludes Walmart and Target" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Wyndham Rewards Platinum elite status (Diamond in the first year)", "15,000 anniversary bonus points after paying the annual fee (was 7,500 pre-refresh)", "15,000 bonus points after 5 paid Hotels by Wyndham nights in a calendar year (capped at 15,000/yr)", "$50 meal-delivery credit ($25 semi-annually)", "10% fewer points needed on award nights", "National Car Rental Emerald Club Executive status", "Points expire after 18 months of inactivity" ], "welcomeBonusText": "Up to 100,000 bonus points: 45,000 after spending $1,000 in the first 90 days, plus 55,000 after spending $500 at Hotels by Wyndham in the first 180 days", "verifiedDate": "2026-09-03", "sources": [ "https://cards.barclaycardus.com/banking/cards/wyndham-rewards-earner-plus-card/", "https://investor.wyndhamhotels.com/news-events/press-releases/detail/422/wyndham-and-barclays-launch-updated-credit-card-suite", "https://frequentmiler.com/wyndham-cards-refresh-new-premium-card-new-welcome-offers-new-benefits-and-new-changed-earning-rates-for-new-applicants/", "https://www.forbes.com/advisor/credit-cards/best/hotel/" ], "country": "US", "signup": { "bonusPoints": 45000, "spendReq": 1000, "months": 3, "note": "Plus a further 55,000 points after $500 at Hotels by Wyndham in the first 180 days (up to 100,000 total); we count only the spend-anywhere tier", "offerVerifiedDate": "2026-09-14" }, "conversionNotes": [ "Terms shown are for NEW applicants on/after 2026-06-17; cardholders approved before that date keep the prior fee, earn rates and benefits (Barclays/Wyndham confirmed no forced migration)." ], "officialUrl": "https://cards.barclaycardus.com/banking/cards/wyndham-rewards-earner-plus-card/", "shortName": "Wyndham Rewards Earner Plus" }, { "id": "barclays_view_mastercard", "name": "Barclays View Mastercard", "issuer": "Barclays", "network": "Mastercard", "currency": "BARCLAYS_POINTS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b5b8a", "cardType": "personal", "status": "closed_to_new", "isRetailCobrand": false, "earn": [ { "category": "dining", "rate": 3, "note": "Includes takeout and delivery" }, { "category": "internet", "rate": 2, "note": "Internet, select streaming, phone and TV services" }, { "category": "phone", "rate": 2, "note": "Internet, select streaming, phone and TV services" }, { "category": "groceries", "rate": 2, "note": "Excludes Target and Walmart" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "$0 fraud liability protection", "Points redeemable for checking/savings account deposits, statement credits, gift cards and merchandise" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.forbes.com/advisor/credit-cards/details/barclays-view-mastercard/", "https://www.doctorofcredit.com/barclays-financing-cardholders-to-be-converted-new-barclays-view-mastercard/" ], "country": "US" }, { "id": "wf_choice_privileges_mastercard", "name": "Choice Privileges Mastercard", "issuer": "Wells Fargo", "network": "Mastercard", "currency": "CHOICE_PRIVILEGES", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b5b8a", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 5, "note": "Choice Hotels only: Choice Hotels stays; not other hotel brands", "portalOnly": true, "brand": "Choice Hotels" }, { "category": "gas", "rate": 3 }, { "category": "groceries", "rate": 3 }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Choice Privileges Gold Elite status", "Mastercard World Elite benefits including cellphone protection", "$0 foreign transaction fees" ], "signup": { "bonusPoints": 60000, "spendReq": 1000, "months": 3, "offerVerifiedDate": "2026-09-14", "note": "Raised from 40,000 on the issuer's page (shown as a strike-through)." }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.wellsfargo.com/wells-fargo-choice-privileges-credit-cards", "https://www.forbes.com/advisor/credit-cards/details/choice-privileges-mastercard/" ], "country": "US", "officialUrl": "https://creditcards.wellsfargo.com/wells-fargo-choice-privileges-credit-cards" }, { "id": "barclays_jetblue_card", "name": "JetBlue Card", "issuer": "Barclays", "network": "Mastercard", "currency": "JETBLUE_TRUEBLUE", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b5b8a", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 3, "note": "JetBlue only: JetBlue and Paisly purchases; not other airlines", "portalOnly": true, "brand": "JetBlue" }, { "category": "dining", "rate": 2 }, { "category": "groceries", "rate": 2 }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "50% savings statement credit on eligible inflight food & drink purchases on JetBlue flights", "No blackout dates on JetBlue-operated award flights", "Points don't expire while the account is open", "Points pooling with other TrueBlue members", "10% points back after completing a JetBlue-operated award flight" ], "welcomeBonusText": "10,000 bonus points after spending $1,000 on purchases in the first 90 days", "verifiedDate": "2026-09-08", "sources": [ "https://cards.barclaycardus.com/banking/cards/jetblue-card/", "https://www.forbes.com/advisor/credit-cards/reviews/jetblue-credit-card/" ], "country": "US", "officialUrl": "https://cards.barclaycardus.com/banking/cards/jetblue-card/" }, { "id": "barclays_wyndham_rewards_earner", "name": "Wyndham Rewards Earner Card", "issuer": "Barclays", "network": "Mastercard", "currency": "WYNDHAM_REWARDS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b5b8a", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 5, "note": "Hotels by Wyndham stays and Wyndham Travel Bundles only (not other hotel brands)", "portalOnly": true, "brand": "Wyndham" }, { "category": "dining", "rate": 3 }, { "category": "groceries", "rate": 3, "note": "Excludes Walmart and Target" }, { "category": "*", "rate": 1, "note": "Gas no longer earns a bonus on the refreshed card (pre-2026-06-17 cardholders keep 5x gas)" } ], "credits": [], "perks": [ "Wyndham Rewards Gold elite status", "7,500 anniversary bonus points after $15,000 spend in a cardmember year", "10% fewer points needed on award nights", "No foreign transaction fees" ], "welcomeBonusText": "Up to 75,000 bonus points: 30,000 after spending $1,000 in the first 90 days, plus 45,000 after spending $500 at Hotels by Wyndham in the first 180 days", "verifiedDate": "2026-09-03", "sources": [ "https://cards.barclaycardus.com/banking/cards/wyndham-rewards-earner-card/", "https://investor.wyndhamhotels.com/news-events/press-releases/detail/422/wyndham-and-barclays-launch-updated-credit-card-suite", "https://frequentmiler.com/wyndham-cards-refresh-new-premium-card-new-welcome-offers-new-benefits-and-new-changed-earning-rates-for-new-applicants/", "https://cards.barclaycardus.com/banking/cards/" ], "country": "US", "signup": { "bonusPoints": 30000, "spendReq": 1000, "months": 3, "note": "Plus a further 45,000 points after $500 at Hotels by Wyndham in the first 180 days (up to 75,000 total); we count only the spend-anywhere tier", "offerVerifiedDate": "2026-09-14" }, "conversionNotes": [ "Terms shown are for NEW applicants on/after 2026-06-17; cardholders approved before that date keep the prior fee, earn rates and benefits (Barclays/Wyndham confirmed no forced migration)." ], "officialUrl": "https://cards.barclaycardus.com/banking/cards/wyndham-rewards-earner-card/" }, { "id": "capone_venture_x_business", "name": "Capital One Venture X Business", "issuer": "Capital One", "network": "Visa", "currency": "C1", "annualFee": 395, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 5, "note": "Flights & vacation rentals booked through Capital One Business Travel" }, { "category": "*", "rate": 2 } ], "credits": [ { "id": "capone_venture_x_business-annual-capital-one-business-travel", "label": "Annual Capital One Business Travel credit", "amount": 300, "period": "year", "cadence": "annual", "categories": [ "travel", "travel_portal" ], "note": "Expires on next account-open-date anniversary; no rewards earned on the credit itself", "resetsOn": "anniversary" }, { "id": "capone_venture_x_business-anniversary-bonus-miles", "label": "Anniversary bonus miles", "amount": 170, "period": "year", "cadence": "annual", "categories": [], "note": "10,000 anniversary miles at ~1.7 cents/mile = ~$170 value, starting on first account anniversary", "automatic": true, "resetsOn": "anniversary" }, { "id": "capone_venture_x_business-global-entry-tsa-precheck-credit", "label": "Global Entry / TSA PreCheck credit", "amount": 30, "period": "year", "cadence": "every4y", "categories": [ "travel" ], "note": "Up to $120 for Global Entry (or ~$85 TSA PreCheck) once every 4 years \u2014 shown as $30/yr amortized. Does not expire yearly." } ], "perks": [ "Capital One Lounge and Priority Pass access (1,300+ lounges)", "Hertz President's Circle status (enrollment required)", "No preset spending limit (charge-card style, designed to be paid in full)", "Free employee cards and virtual cards", "Accounts Payable and Expense Management tools", "$100 Premier Collection hotel/vacation-rental experience credit per booking, plus breakfast for two, room upgrades, late checkout when available", "2026 The Points Guy Business Card of the Year" ], "signup": { "bonusPoints": 150000, "spendReq": 30000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/small-business/credit-cards/venture-x-business/" ], "conversionNotes": [ "Duplicate travel_portal rates published (10x and 5x); using the lower rate \u2014 the higher tier is usually condition-bound." ], "country": "US", "officialUrl": "https://www.capitalone.com/small-business/credit-cards/venture-x-business/" }, { "id": "capone_spark_cash_plus", "name": "Capital One Spark Cash Plus (Spark 2% Cash Plus)", "shortName": "Spark Cash Plus", "issuer": "Capital One", "network": "Mastercard", "currency": "CASH", "annualFee": 150, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 5, "note": "Hotels, vacation rentals & rental cars booked through Capital One Business Travel" }, { "category": "*", "rate": 2 } ], "credits": [ { "id": "capone_spark_cash_plus-annual-fee-refund", "label": "Annual fee refund", "amount": 150, "period": "year", "cadence": "annual", "categories": [], "note": "Statement credit fully offsetting the $150 AF each year $150k+ is spent; posts within 2 billing cycles of anniversary", "automatic": true, "resetsOn": "anniversary" } ], "perks": [ "No preset spending limit (charge card, designed to be paid in full)", "Free employee cards and virtual cards", "Roadside assistance", "Accounts Payable and Expense Management tools" ], "signup": { "bonusPoints": 200000, "spendReq": 30000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/small-business/credit-cards/spark-cash-plus/" ], "conversionNotes": [ "One-time credit not modelled: Limited-time Business Travel credit ($500)." ], "country": "US", "officialUrl": "https://www.capitalone.com/small-business/credit-cards/spark-cash-plus/" }, { "id": "capone_spark_cash", "name": "Capital One Spark Cash (Spark 2% Cash)", "shortName": "Spark Cash", "issuer": "Capital One", "network": "Mastercard", "currency": "CASH", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 5, "note": "Hotels, vacation rentals & rental cars booked through Capital One Business Travel" }, { "category": "*", "rate": 2 } ], "credits": [], "perks": [ "Free employee cards and virtual cards", "Accounts Payable and Expense Management tools" ], "signup": { "bonusPoints": 100000, "spendReq": 10000, "months": 3, "offerVerifiedDate": "2026-09-14", "note": "$1,000 cash bonus plus a $250 travel credit after $10,000 in 3 months; the cash part is encoded as 100,000 CASH points at 1 cent each." }, "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/small-business/credit-cards/spark-cash/" ], "conversionNotes": [ "One-time credit not modelled: Limited-time Business Travel credit ($250)." ], "country": "US", "officialUrl": "https://www.capitalone.com/small-business/credit-cards/spark-cash/" }, { "id": "capone_venture_business", "name": "Capital One Venture Business", "issuer": "Capital One", "network": "Visa", "currency": "C1", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 5, "note": "Hotels, vacation rentals & rental cars booked through Capital One Business Travel" }, { "category": "*", "rate": 2 } ], "credits": [ { "id": "capone_venture_business-annual-capital-one-business-travel", "label": "Annual Capital One Business Travel credit", "amount": 50, "period": "year", "cadence": "annual", "categories": [ "travel", "travel_portal" ], "note": "Expires on next account-open-date anniversary", "resetsOn": "anniversary" }, { "id": "capone_venture_business-annual-advertising-software-statem", "label": "Annual advertising/software statement credit", "amount": 50, "period": "year", "cadence": "annual", "categories": [], "note": "Unused credit expires on account-open-date anniversary; eligibility based on merchant category code, not merchant name", "automatic": true, "resetsOn": "anniversary" }, { "id": "capone_venture_business-global-entry-tsa-precheck-credit", "label": "Global Entry / TSA PreCheck credit", "amount": 30, "period": "year", "cadence": "every4y", "categories": [ "travel" ], "note": "Up to $120 for Global Entry (or ~$85 TSA PreCheck) once every 4 years \u2014 shown as $30/yr amortized. Does not expire yearly." } ], "perks": [ "Hertz Five Star status (enrollment required)", "Lifestyle Collection $50 per-stay hotel/vacation-rental experience credit, plus room upgrades when available", "Free employee cards and virtual cards", "Accounts Payable and Expense Management tools" ], "signup": { "bonusPoints": 100000, "spendReq": 10000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/small-business/credit-cards/venture-business/" ], "country": "US", "officialUrl": "https://www.capitalone.com/small-business/credit-cards/venture-business/" }, { "id": "capone_basspro_cabelas_club_business", "name": "Capital One Bass Pro Shops and Cabela's CLUB Business Card", "issuer": "Capital One", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "business", "status": "open", "isRetailCobrand": true, "earn": [ { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "Free authorized employee cards with spend limits and lock/unlock control", "Assignable account manager", "Year-end transaction summary/reporting", "No foreign transaction fees", "7.99% promotional APR on Bass Pro Shops/Cabela's purchases", "CLUB Points never expire on open accounts" ], "welcomeBonusText": "$75 in CLUB Points after spending $1,000 within 60 days of account approval", "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/credit-cards/club-business/", "https://www.capitalone.com/small-business/credit-cards/" ], "conversionNotes": [ "Brand-specific 5pct rate not mapped to a category." ], "country": "US", "officialUrl": "https://www.capitalone.com/credit-cards/club-business/", "shortName": "Bass Pro Shops and Cabela's CLUB Business" }, { "id": "capone_spark_1_5_classic", "name": "Capital One Spark 1.5% Classic", "issuer": "Capital One", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "business", "status": "discontinued", "baseRateUnknown": true, "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [], "verifiedDate": "2026-09-04", "sources": [ "https://www.capitalone.com/small-business/credit-cards/spark-classic/", "https://money.usnews.com/credit-cards/capital-one/capital-one-spark-classic" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative).", "Annual fee $0 \u2014 this discontinued card was the predecessor of the current no-fee-tier split into capone_spark_cash_select and capone_spark_classic (both confirmed $0), which it always shared the fee-free, credit-building positioning with." ], "country": "US", "officialUrl": "https://www.capitalone.com/small-business/credit-cards/spark-classic/" }, { "id": "capone_spark_cash_select", "name": "Capital One Spark Cash Select (Spark 1.5% Cash Select)", "shortName": "Spark Cash Select", "issuer": "Capital One", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 5, "note": "Hotels & rental cars booked through Capital One Business Travel" }, { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "0% intro APR for 9 months on purchases (16.74%-26.74% variable APR after)", "Reports to personal credit bureaus (unlike Spark Cash Plus)", "Free employee cards and virtual cards" ], "welcomeBonusText": "$750 cash bonus after $6,000 spend in first 3 months", "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/small-business/credit-cards/spark-cash-select/" ], "country": "US", "officialUrl": "https://www.capitalone.com/small-business/credit-cards/spark-cash-select/" }, { "id": "capone_spark_classic", "name": "Capital One Spark Classic (Spark 1% Classic)", "shortName": "Spark Classic", "issuer": "Capital One", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Fair credit tier \u2014 designed for building/rebuilding business credit", "Free employee cards and virtual cards", "Roadside assistance" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/small-business/credit-cards/spark-classic/" ], "country": "US", "officialUrl": "https://www.capitalone.com/small-business/credit-cards/spark-classic/" }, { "id": "capone_spark_miles", "name": "Capital One Spark Miles", "issuer": "Capital One", "network": "Visa", "currency": "C1", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "business", "status": "discontinued", "baseRateUnknown": true, "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [], "verifiedDate": "2026-09-04", "sources": [ "https://www.capitalone.com/small-business/credit-cards/venture-business/", "https://www.nerdwallet.com/business/credit-cards/learn/spark-miles-becomes-venture-business", "https://www.cnbc.com/select/capital-one-spark-miles-rebrands-as-venture-business/" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative).", "Annual fee is $0 the first year and $95 thereafter; the catalog stores the ongoing $95 so break-even math is not flattered by the intro year. This card was rebranded to the Venture Business card, which kept the same $95 fee without the first-year waiver." ], "country": "US", "officialUrl": "https://www.capitalone.com/small-business/credit-cards/venture-business/" }, { "id": "capone_spark_miles_select", "name": "Capital One Spark Miles Select", "issuer": "Capital One", "network": "Visa", "currency": "C1", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "business", "status": "discontinued", "baseRateUnknown": true, "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [], "verifiedDate": "2026-09-04", "sources": [ "https://www.capitalone.com/small-business/credit-cards/ventureone-business/", "https://www.nerdwallet.com/business/credit-cards/reviews/capital-one-spark-miles-select" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative).", "Annual fee $0, confirmed \u2014 this card was rebranded to the VentureOne Business card, which kept the same no-annual-fee structure (it never had a fee to waive)." ], "country": "US", "officialUrl": "https://www.capitalone.com/small-business/credit-cards/ventureone-business/" }, { "id": "capone_ventureone_business", "name": "Capital One VentureOne Business", "issuer": "Capital One", "network": "Visa", "currency": "C1", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 5, "note": "Hotels, vacation rentals & rental cars booked through Capital One Business Travel" }, { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "Hertz Five Star status (enrollment required)", "Rental collision insurance", "Roadside assistance", "Free employee cards and virtual cards" ], "signup": { "bonusPoints": 50000, "spendReq": 4500, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/small-business/credit-cards/ventureone-business/" ], "country": "US", "officialUrl": "https://www.capitalone.com/small-business/credit-cards/ventureone-business/", "shortName": "VentureOne Business" }, { "id": "capone_venture_x", "name": "Capital One Venture X", "issuer": "Capital One", "network": "Visa", "currency": "C1", "annualFee": 395, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 10, "portalOnly": true, "brand": "Capital One Travel", "note": "Hotels and rental cars booked through Capital One Travel. Rental cars earn the same 10x but are not scored as a separate category here." }, { "category": "travel_portal", "rate": 5, "note": "Flights, vacation rentals and activities booked through Capital One Travel" }, { "category": "entertainment", "rate": 5, "note": "Capital One Entertainment ticket purchases only (not other ticketing or entertainment merchants)", "portalOnly": true, "brand": "Capital One Entertainment" }, { "category": "*", "rate": 2 } ], "credits": [ { "id": "capone_venture_x-annual-capital-one-travel-credit", "label": "Annual Capital One Travel credit", "amount": 300, "period": "year", "cadence": "annual", "categories": [ "travel", "travel_portal" ], "note": "Applies to bookings made through Capital One Travel", "resetsOn": "anniversary" }, { "id": "capone_venture_x-global-entry-tsa-precheck-credit", "label": "Global Entry / TSA PreCheck credit", "amount": 30, "period": "year", "cadence": "every4y", "categories": [ "travel" ], "note": "Up to $120 for Global Entry (or ~$85 TSA PreCheck) once every 4 years \u2014 shown as $30/yr amortized. Does not expire yearly." } ], "perks": [ "10,000 anniversary bonus miles every account year (~$130 value) \u2014 a miles award, not a statement credit", "Capital One Lounge access and Priority Pass Select (1,300+ lounges worldwide), primary cardholder", "Hertz President's Circle status (enrollment required)", "Cell phone protection up to $800 (pay phone bill with card)", "Complimentary PRIOR subscription ($149 value, enrollment required)", "50% off Cultivist Enthusiast museum membership for up to 2 years", "Miles don't expire for life of account; no blackout dates", "Premier Collection ($100) / Lifestyle Collection ($50) per-stay hotel & vacation rental experience credits, plus room upgrades/late checkout when available", "Auto rental collision damage waiver, travel accident insurance (Visa Infinite)" ], "signup": { "bonusPoints": 75000, "spendReq": 4000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-09-15", "sources": [ "https://www.capitalone.com/credit-cards/venture-x/" ], "conversionNotes": [ "Duplicate travel_portal rates published (10x and 5x); using the lower rate \u2014 the higher tier is usually condition-bound." ], "country": "US", "officialUrl": "https://www.capitalone.com/credit-cards/venture-x/", "shortName": "Venture X" }, { "id": "capone_venture", "name": "Capital One Venture Rewards", "issuer": "Capital One", "network": "Visa", "currency": "C1", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 5, "note": "Hotels, vacation rentals & rental cars booked through Capital One Travel" }, { "category": "entertainment", "rate": 5, "note": "Capital One Entertainment ticket purchases only (not other ticketing or entertainment merchants)", "portalOnly": true, "brand": "Capital One Entertainment" }, { "category": "*", "rate": 2 } ], "credits": [ { "id": "capone_venture-global-entry-tsa-precheck-credit", "label": "Global Entry / TSA PreCheck credit", "amount": 30, "period": "year", "cadence": "every4y", "categories": [ "travel" ], "note": "Up to $120 for Global Entry (or ~$85 TSA PreCheck) once every 4 years \u2014 shown as $30/yr amortized. Does not expire yearly." } ], "perks": [ "$50 Lifestyle Collection hotel/vacation rental experience credit per stay, plus room upgrades/late checkout when available", "Hertz Five Star status (enrollment required)", "Auto rental collision damage waiver, travel accident insurance", "No blackout dates; miles don't expire for life of account", "Free authorized users", "Extended warranty on eligible purchases" ], "signup": { "bonusPoints": 75000, "spendReq": 4000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-09-03", "sources": [ "https://www.capitalone.com/credit-cards/venture/" ], "country": "US", "officialUrl": "https://www.capitalone.com/credit-cards/venture/", "shortName": "Venture Rewards" }, { "id": "capone_quicksilverone", "name": "Capital One QuicksilverOne", "issuer": "Capital One", "network": "Mastercard", "currency": "CASH", "annualFee": 39, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "Automatic credit line reviews in as little as 6 months", "CreditWise free credit monitoring", "$0 fraud liability", "Tap-to-pay contactless" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/credit-cards/quicksilverone/" ], "country": "US", "officialUrl": "https://www.capitalone.com/credit-cards/quicksilverone/" }, { "id": "capone_savorone_fair", "name": "Capital One SavorOne Rewards (Fair Credit)", "issuer": "Capital One", "network": "Mastercard", "currency": "CASH", "annualFee": 39, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "groceries", "rate": 3, "note": "Excludes superstores like Walmart and Target" }, { "category": "dining", "rate": 3 }, { "category": "entertainment", "rate": 3 }, { "category": "streaming", "rate": 3, "note": "Popular streaming services; some services excluded" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Automatic credit line reviews in as little as 6 months", "CreditWise free credit monitoring", "$0 fraud liability", "Tap-to-pay contactless" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/credit-cards/savorone/" ], "country": "US", "officialUrl": "https://www.capitalone.com/credit-cards/savorone/", "shortName": "SavorOne Rewards" }, { "id": "capone_bjs_one", "name": "Capital One BJ's One Mastercard", "issuer": "Capital One", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "personal", "status": "open", "isRetailCobrand": true, "earn": [ { "category": "wholesale_club", "rate": 3, "note": "BJ's only: in-club at BJ's front-end registers, BJs.com and the BJ's app; not other wholesale clubs. Excludes eye exams, BJ's Gas, alcohol/tobacco, lottery, gift cards, memberships, warranties", "portalOnly": true, "brand": "BJ's" }, { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "10 cents/gallon off at BJ's Gas when paying with this card and scanning membership card", "Rewards never expire for the life of the account", "No cap on rewards earned" ], "verifiedDate": "2026-09-03", "sources": [ "https://www.bjs.com/creditcard", "https://www.capitalone.com/credit-cards/bjs/", "https://www.capitalone.com/credit-cards/compare/" ], "country": "US", "membershipRequired": "BJ's Club ($60/yr)", "officialUrl": "https://www.capitalone.com/credit-cards/bjs/" }, { "id": "capone_bjs_oneplus", "name": "Capital One BJ's One+ Mastercard", "issuer": "Capital One", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "personal", "status": "open", "isRetailCobrand": true, "earn": [ { "category": "wholesale_club", "rate": 5, "note": "BJ's only: in-club at BJ's front-end registers, BJs.com and the BJ's app; not other wholesale clubs. Excludes eye exams, BJ's Gas, alcohol/tobacco, lottery, gift cards, memberships, warranties", "portalOnly": true, "brand": "BJ's" }, { "category": "*", "rate": 2 } ], "credits": [], "perks": [ "Requires a paid BJ's Club+ membership ($120/yr); the One+ card is only offered to Club+ members, so the membership fee is a real cost of holding the card", "15 cents/gallon off at BJ's Gas when paying with this card and scanning membership card", "Rewards never expire for the life of the account", "No cap on rewards earned" ], "verifiedDate": "2026-09-03", "sources": [ "https://www.bjs.com/creditcard", "https://www.capitalone.com/credit-cards/bjs/", "https://www.capitalone.com/credit-cards/compare/" ], "country": "US", "membershipRequired": "BJ's Club+ ($120/yr)", "officialUrl": "https://www.capitalone.com/credit-cards/bjs/" }, { "id": "capone_basspro_club", "name": "Capital One Bass Pro Shops CLUB Card", "issuer": "Capital One", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "personal", "status": "open", "baseRateUnknown": true, "isRetailCobrand": true, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [ "CLUB Points never expire on open accounts", "No foreign transaction fees", "Price-match-and-beat-by-5% at Bass Pro Shops/Cabela's", "CLUB member-only in-store events, discounts, and giveaways" ], "welcomeBonusText": "$20 CLUB Points on approval + $20 after 5 purchases within 30 days + $20 after 5 more purchases within 30 days (up to $60 total)", "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/credit-cards/compare/", "https://www.capitalone.com/credit-cards/cabelas/" ], "conversionNotes": [ "1 earn rule(s) dropped: no published rate.", "No published base rate; modelled as 0x on unbonused spend (conservative).", "Brand-specific 2pct rate not mapped to a category." ], "country": "US", "officialUrl": "https://www.capitalone.com/credit-cards/compare/" }, { "id": "capone_cabelas_club", "name": "Capital One Cabela's CLUB Card", "issuer": "Capital One", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "personal", "status": "open", "baseRateUnknown": true, "isRetailCobrand": true, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [ "CLUB Points never expire on open accounts", "No foreign transaction fees", "Price-match-and-beat-by-5% at Bass Pro Shops/Cabela's", "9.99% promotional APR on Bass Pro Shops/Cabela's purchases", "CLUB member-only in-store events, discounts, and giveaways" ], "welcomeBonusText": "$20 CLUB Points on approval + $20 after 5 purchases within 30 days + $20 after 5 more purchases within 30 days (up to $60 total)", "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/credit-cards/cabelas/", "https://www.capitalone.com/credit-cards/compare/" ], "conversionNotes": [ "1 earn rule(s) dropped: no published rate.", "No published base rate; modelled as 0x on unbonused spend (conservative).", "Brand-specific 2pct rate not mapped to a category." ], "country": "US", "officialUrl": "https://www.capitalone.com/credit-cards/cabelas/" }, { "id": "capone_journey_student", "name": "Capital One Journey Student Rewards", "issuer": "Capital One", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "personal", "status": "closed_to_new", "baseRateUnknown": true, "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [], "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/credit-cards/students/", "https://walletgrower.com/credit-cards/journey-student-discontinued-and-alternatives" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative)." ], "country": "US", "officialUrl": "https://www.capitalone.com/credit-cards/students/" }, { "id": "capone_key_rewards_visa", "name": "Capital One Key Rewards Visa", "issuer": "Capital One", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "personal", "status": "open", "isRetailCobrand": true, "earn": [ { "category": "groceries", "rate": 4, "note": "grocery stores, food delivery, restaurants; grocery at gas/convenience/warehouse/superstore earns 1% instead" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "capone_key_rewards_visa-birthday-reward", "label": "Birthday reward", "amount": 25, "period": "year", "cadence": "annual", "categories": [], "note": "Requires a purchase in the prior 12 months; issued by email during birthday month; expires 30 days after issuance", "automatic": true } ], "perks": [ "Free standard shipping at Williams Sonoma when paying directly with this card", "Optional 12-month 0% promotional financing on qualifying $750+ purchases (forfeits rewards on that purchase; 29.24% variable APR applies to any balance remaining after 12 months)", "Early access to sales and events" ], "welcomeBonusText": "10% back on family-brand purchases for the first 30 days after account opening, 5% thereafter", "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/credit-cards/compare/", "https://www.capitalone.com/credit-cards/williams-sonoma/" ], "conversionNotes": [ "Brand-specific 5pct rate not mapped to a category." ], "country": "US", "officialUrl": "https://www.capitalone.com/credit-cards/compare/" }, { "id": "capone_kohls_visa", "name": "Capital One Kohl's Rewards Visa", "issuer": "Capital One", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "personal", "status": "open", "isRetailCobrand": true, "earn": [ { "category": "department_store", "rate": 7.5, "note": "Kohl's only: Kohl's stores and Kohls.com, excludes gift cards; not other department stores", "portalOnly": true, "brand": "Kohl's" }, { "category": "gas", "rate": 3, "note": "gasoline at merchants primarily selling automotive gas" }, { "category": "groceries", "rate": 2, "note": "grocery stores; discount/superstore/warehouse-club and convenience-store grocery purchases earn 1% instead" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Visa Signature benefits", "Monthly exclusive cardholder savings", "Most Valued Customer (MVC) status and free-shipping offers after $600/yr at Kohl's" ], "welcomeBonusText": "40% off one in-store or Kohls.com transaction within 30 days of credit availability (coupon has brand/category exclusions)", "verifiedDate": "2026-09-03", "sources": [ "https://www.kohls.com/feature/kohls-card.jsp", "https://www.capitalone.com/credit-cards/kohls/", "https://www.capitalone.com/credit-cards/compare/" ], "country": "US", "officialUrl": "https://www.capitalone.com/credit-cards/kohls/" }, { "id": "capone_platinum", "name": "Capital One Platinum", "issuer": "Capital One", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "personal", "status": "open", "baseRateUnknown": true, "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [ "Automatic credit line reviews in as little as 6 months", "CreditWise free credit monitoring", "$0 fraud liability", "Tap-to-pay contactless" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/credit-cards/platinum/" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative)." ], "country": "US", "officialUrl": "https://www.capitalone.com/credit-cards/platinum/" }, { "id": "capone_platinum_secured", "name": "Capital One Platinum Secured", "issuer": "Capital One", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "personal", "status": "open", "baseRateUnknown": true, "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [ "Refundable security deposit ($49, $99 or $200 minimum) sets credit line of at least $200 (can raise up to $1,000 with larger deposit)", "Path to earn back deposit and upgrade to unsecured Platinum with responsible use", "No replacement card fees, no authorized user fees", "Pay zero interest if statement balance paid in full each month", "Card does not display the word 'Secured'" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/credit-cards/platinum-secured/" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative)." ], "country": "US", "officialUrl": "https://www.capitalone.com/credit-cards/platinum-secured/" }, { "id": "capone_potterybarn_visa", "name": "Capital One Pottery Barn Key Rewards Visa", "shortName": "Pottery Barn Key Rewards Visa", "issuer": "Capital One", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "personal", "status": "open", "isRetailCobrand": true, "earn": [ { "category": "groceries", "rate": 4, "note": "grocery stores, food delivery, restaurants; grocery at gas/convenience/warehouse/superstore earns 1% instead" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "capone_potterybarn_visa-birthday-reward", "label": "Birthday reward", "amount": 25, "period": "year", "cadence": "annual", "categories": [], "note": "Requires a purchase in the prior 12 months; issued by email during birthday month; expires 30 days after issuance", "automatic": true } ], "perks": [ "Free standard shipping at Williams Sonoma when paying directly with this card", "Optional 12-month 0% promotional financing on qualifying $750+ purchases (forfeits rewards on that purchase; 29.24% variable APR applies to any balance remaining after 12 months)", "Early access to sales and events" ], "welcomeBonusText": "10% back on family-brand purchases for the first 30 days after account opening, 5% thereafter", "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/credit-cards/williams-sonoma/", "https://www.capitalone.com/credit-cards/compare/" ], "conversionNotes": [ "Brand-specific 5pct rate not mapped to a category." ], "country": "US", "officialUrl": "https://www.capitalone.com/credit-cards/williams-sonoma/" }, { "id": "capone_quicksilver", "name": "Capital One Quicksilver", "issuer": "Capital One", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "No foreign transaction fees", "Cash back doesn't expire for life of account" ], "welcomeBonusText": "$200 cash bonus (exact spend threshold not shown on fetched page; historically $500 spend in first 3 months)", "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/credit-cards/quicksilver/" ], "country": "US", "officialUrl": "https://www.capitalone.com/credit-cards/quicksilver/", "shortName": "Quicksilver" }, { "id": "capone_quicksilver_student", "name": "Capital One Quicksilver Rewards for Students", "shortName": "Quicksilver Rewards for Students", "issuer": "Capital One", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "Build credit with responsible use", "Fair credit tier, designed for students" ], "welcomeBonusText": "$100 cash bonus after $300 spend in first 3 months (advertised as a limited-time offer as of Aug 2026)", "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/credit-cards/students/" ], "country": "US", "officialUrl": "https://www.capitalone.com/credit-cards/students/" }, { "id": "capone_quicksilver_secured", "name": "Capital One Quicksilver Secured", "issuer": "Capital One", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "$200 minimum refundable security deposit sets initial credit line of at least $200 (max credit limit $1,000-$3,000 based on creditworthiness)", "Path to earn back deposit and upgrade to unsecured Quicksilver with responsible use", "No replacement card fees, no authorized user fees", "$0 fraud liability", "Card does not display the word 'Secured'" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/credit-cards/quicksilver-secured/" ], "country": "US", "officialUrl": "https://www.capitalone.com/credit-cards/quicksilver-secured/", "shortName": "Quicksilver Secured" }, { "id": "capone_rei_mastercard", "name": "Capital One REI Co-op Mastercard", "issuer": "Capital One", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "personal", "status": "open", "isRetailCobrand": true, "earn": [ { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "Mastercard World Elite benefits", "No foreign transaction fees", "$2M annual company donation to the REI Cooperative Action Fund", "Annual Cardmember Double Rewards event (extra 5% at REI for a limited window)", "Rewards redeemable as soon as they post, no minimum balance" ], "welcomeBonusText": "$100 REI gift card after first purchase outside REI within 60 days of account opening", "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/credit-cards/rei/", "https://www.capitalone.com/credit-cards/compare/" ], "conversionNotes": [ "Brand-specific 5pct rate not mapped to a category." ], "country": "US", "officialUrl": "https://www.capitalone.com/credit-cards/rei/" }, { "id": "capone_savor", "name": "Capital One Savor", "issuer": "Capital One", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 5, "note": "Hotels, vacation rentals and rental cars booked through Capital One Travel" }, { "category": "groceries", "rate": 3, "note": "Excludes superstores like Walmart and Target" }, { "category": "dining", "rate": 3 }, { "category": "entertainment", "rate": 3 }, { "category": "streaming", "rate": 3, "note": "Popular streaming services (e.g. Netflix, Hulu, Disney+); some services excluded" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "No foreign transaction fees", "Cash back doesn't expire for life of account", "Free authorized users" ], "welcomeBonusText": "$200 cash bonus after $500 spend in first 3 months", "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/credit-cards/savor/" ], "country": "US", "officialUrl": "https://www.capitalone.com/credit-cards/savor/" }, { "id": "capone_savor_student", "name": "Capital One Savor Rewards for Students", "shortName": "Savor Rewards for Students", "issuer": "Capital One", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "groceries", "rate": 3, "note": "Excludes superstores like Walmart and Target" }, { "category": "dining", "rate": 3 }, { "category": "entertainment", "rate": 3 }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Build credit with responsible use", "Fair credit tier, designed for students" ], "welcomeBonusText": "$100 cash bonus after $300 spend in first 3 months (advertised as a limited-time offer as of Aug 2026)", "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/credit-cards/students/" ], "country": "US", "officialUrl": "https://www.capitalone.com/credit-cards/students/" }, { "id": "capone_tmobile_visa", "name": "Capital One T-Mobile Visa", "issuer": "Capital One", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "personal", "status": "open", "isRetailCobrand": true, "earn": [ { "category": "phone", "rate": 5, "note": "T-Mobile devices only: phones, devices and accessories bought at T-Mobile stores, authorized retailers, T-Mobile.com or the T-Life app. Excludes wireless service/plan bill payments, equipment installment plan (EIP) payments, fees and prepaid service (those earn the 2% base)", "portalOnly": true, "brand": "T-Mobile" }, { "category": "*", "rate": 2 } ], "credits": [ { "id": "capone_tmobile_visa-t-mobile-autopay-line-discount", "label": "T-Mobile AutoPay line discount", "amount": 60, "period": "year", "cadence": "monthly", "categories": [ "phone" ], "enrollmentRequired": true, "note": "$5 off per line per month on eligible postpaid plans, up to 8 lines ($480/yr max if all 8 lines enrolled); this is a bill discount, not a statement credit" } ], "perks": [ "Visa Signature benefits (24-hour concierge, emergency/travel assistance)", "Rewards never expire for the life of the account" ], "verifiedDate": "2026-09-03", "sources": [ "https://www.t-mobile.com/cards/visa-credit-rewards/faqs", "https://www.capitalone.com/credit-cards/t-mobile/", "https://www.capitalone.com/credit-cards/compare/" ], "country": "US", "officialUrl": "https://www.capitalone.com/credit-cards/t-mobile/" }, { "id": "capone_ventureone", "name": "Capital One VentureOne Rewards", "issuer": "Capital One", "network": "Visa", "currency": "C1", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 5, "note": "Hotels, vacation rentals & rental cars booked through Capital One Travel" }, { "category": "*", "rate": 1.25 } ], "credits": [], "perks": [ "0% intro APR for 15 months on purchases and balance transfers (balance transfer fee applies)", "Miles don't expire for life of account", "Free authorized users" ], "signup": { "bonusPoints": 20000, "spendReq": 500, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/credit-cards/ventureone/", "https://www.capitalone.com/credit-cards/venture/" ], "country": "US", "officialUrl": "https://www.capitalone.com/credit-cards/ventureone/", "shortName": "VentureOne Rewards" }, { "id": "capone_westelm_visa", "name": "Capital One West Elm Key Rewards Visa", "issuer": "Capital One", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "personal", "status": "open", "isRetailCobrand": true, "earn": [ { "category": "groceries", "rate": 4, "note": "grocery stores, food delivery, restaurants; grocery at gas/convenience/warehouse/superstore earns 1% instead" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "capone_westelm_visa-birthday-reward", "label": "Birthday reward", "amount": 25, "period": "year", "cadence": "annual", "categories": [], "note": "Requires a purchase in the prior 12 months; issued by email during birthday month; expires 30 days after issuance", "automatic": true } ], "perks": [ "Free standard shipping at Williams Sonoma when paying directly with this card", "Optional 12-month 0% promotional financing on qualifying $750+ purchases (forfeits rewards on that purchase; 29.24% variable APR applies to any balance remaining after 12 months)", "Early access to sales and events" ], "welcomeBonusText": "10% back on family-brand purchases for the first 30 days after account opening, 5% thereafter", "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/credit-cards/williams-sonoma/", "https://www.capitalone.com/credit-cards/compare/" ], "conversionNotes": [ "Brand-specific 5pct rate not mapped to a category." ], "country": "US", "officialUrl": "https://www.capitalone.com/credit-cards/williams-sonoma/" }, { "id": "capone_williamssonoma_visa", "name": "Capital One Williams Sonoma Key Rewards Visa", "shortName": "Williams Sonoma Key Rewards Visa", "issuer": "Capital One", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123c3c", "cardType": "personal", "status": "open", "isRetailCobrand": true, "earn": [ { "category": "groceries", "rate": 4, "note": "grocery stores, food delivery, restaurants; grocery at gas/convenience/warehouse/superstore earns 1% instead" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "capone_williamssonoma_visa-birthday-reward", "label": "Birthday reward", "amount": 25, "period": "year", "cadence": "annual", "categories": [], "note": "Requires a purchase in the prior 12 months; issued by email during birthday month; expires 30 days after issuance", "automatic": true } ], "perks": [ "Free standard shipping at Williams Sonoma when paying directly with this card", "Optional 12-month 0% promotional financing on qualifying $750+ purchases (forfeits rewards on that purchase; 29.24% variable APR applies to any balance remaining after 12 months)", "Early access to sales and events" ], "welcomeBonusText": "10% back on family-brand purchases for the first 30 days after account opening, 5% thereafter", "verifiedDate": "2026-08-21", "sources": [ "https://www.capitalone.com/credit-cards/williams-sonoma/", "https://www.capitalone.com/credit-cards/compare/" ], "conversionNotes": [ "Brand-specific 5pct rate not mapped to a category." ], "country": "US", "officialUrl": "https://www.capitalone.com/credit-cards/williams-sonoma/" }, { "id": "chase_sapphire_reserve_business", "name": "Sapphire Reserve for Business", "issuer": "Chase", "network": "Visa", "currency": "UR", "annualFee": 795, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 8, "note": "All purchases through Chase Travel, including The Edit" }, { "category": "rideshare", "rate": 5, "note": "Lyft rides through 9/30/2027 (4x additional on top of the base 1x rate)", "portalOnly": true, "brand": "Lyft" }, { "category": "flights", "rate": 4, "note": "Flights booked direct with the airline" }, { "category": "hotels", "rate": 4, "note": "Hotels booked direct with the property" }, { "category": "advertising", "rate": 3, "note": "Social media and search engine advertising purchases" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "chase_sapphire_reserve_business-annual-travel-credit", "label": "Annual travel credit", "amount": 300, "period": "year", "cadence": "annual", "categories": [ "travel", "travel_portal" ], "note": "Applies automatically to travel purchases each account anniversary year; qualifying purchases do not earn points", "resetsOn": "anniversary" }, { "id": "chase_sapphire_reserve_business-select-chase-travel-hotels-credit", "label": "Select Chase Travel Hotels credit", "amount": 250, "period": "year", "cadence": "annual", "categories": [ "hotels" ], "note": "2-night minimum required; benefit scheduled to run through 12/31/2026 per the official card page. Authorized users/employees not eligible", "endsOn": "2026-12-31" }, { "id": "chase_sapphire_reserve_business-the-edit-hotel-credit", "label": "The Edit hotel credit", "amount": 500, "period": "year", "cadence": "semiannual", "categories": [ "hotels" ], "note": "Up to $250 per prepaid Edit booking (2-night minimum), and Chase splits the $500 into two halves: up to $250 from January 1 to June 30 and up to $250 from July 1 to December 31. An unused half does not roll forward, so a cardholder who books only in one half reaches $250, not $500. Prepaid bookings through Chase Travel only - not bookings made elsewhere or paid at the property. Qualifying purchases do not earn points. Authorized users/employees not eligible." }, { "id": "chase_sapphire_reserve_business-global-entry-tsa-precheck-nexus-cr", "label": "Global Entry / TSA PreCheck / NEXUS credit", "amount": 30, "period": "year", "cadence": "every4y", "categories": [ "travel" ], "note": "Up to $120 for Global Entry (or ~$85 TSA PreCheck) once every 4 years \u2014 shown as $30/yr amortized. Does not expire yearly." }, { "id": "chase_sapphire_reserve_business-google-workspace-credit", "label": "Google Workspace credit", "amount": 200, "period": "year", "cadence": "annual", "categories": [], "note": "Through 12/31/2027", "automatic": true, "endsOn": "2027-12-31" }, { "id": "chase_sapphire_reserve_business-ziprecruiter-credit", "label": "ZipRecruiter credit", "amount": 400, "period": "year", "cadence": "semiannual", "categories": [], "note": "Up to $200 Jan-Jun and up to $200 Jul-Dec, max $400/year, through 12/31/2027", "automatic": true, "endsOn": "2027-12-31" }, { "id": "chase_sapphire_reserve_business-lyft-in-app-credits", "label": "Lyft in-app credits", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "rideshare" ], "note": "Up to $10/month in-app credit through 9/30/2027; first cardmember/employee to add the card to the Lyft app each month receives the credit", "endsOn": "2027-09-30" }, { "id": "chase_sapphire_reserve_business-doordash-monthly-promos", "label": "DoorDash monthly promos", "amount": 300, "period": "year", "cadence": "monthly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "DashPass members get up to $25/month ($5 restaurant promo + two $10 non-restaurant promos), available through 12/31/2027; requires active DashPass enrollment activated with this card", "endsOn": "2027-12-31" }, { "id": "chase_sapphire_reserve_business-curated-gift-card-credit", "label": "Curated gift card credit", "amount": 100, "period": "year", "cadence": "semiannual", "categories": [], "note": "Up to $50 Jan-Jun and up to $50 Jul-Dec, max $100/year, through 10/31/2028", "automatic": true, "endsOn": "2028-10-31" } ], "perks": [ "Chase Sapphire Lounge by The Club + Priority Pass Select membership (1,300+ lounges, up to 2 guests); not available to Employee Cardmembers, who may still access as guests of the Authorizing Officer", "Air Canada Maple Leaf Lounge/Cafe access (Authorizing Officer + 1 guest, on a departing/connecting Star Alliance flight); not available to Employee Cardmembers", "IHG One Rewards Platinum Elite status through 12/31/2027 (Authorizing Officer only)", "Complimentary DashPass membership (DoorDash/Caviar), 12 months, activate by 12/31/2027; auto-renews at then-current rate unless canceled", "Employee Cards at no additional cost", "Avis, National (Emerald Club Executive Level), and Hertz Gold Plus Rewards car rental discounts (Visa Infinite benefits)", "Visa Infinite Concierge service (cardmember pays for any goods/services purchased through it)", "Points Boost: up to 2x point value on select flights/hotels booked through Chase Travel" ], "signup": { "bonusPoints": 200000, "spendReq": 30000, "months": 6, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-09-15", "sources": [ "https://creditcards.chase.com/business-credit-cards/sapphire/reserve", "https://creditcards.chase.com/business-credit-cards", "https://www.chase.com/personal/credit-cards/education/chase-cards/sapphire-reserve-for-business-hotel-statement-credit" ], "country": "US", "officialUrl": "https://creditcards.chase.com/business-credit-cards/sapphire/reserve" }, { "id": "chase_united_club_business_card", "name": "United Club Business Card", "issuer": "Chase", "network": "Visa", "currency": "UNITED_MILES", "annualFee": 695, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 8, "note": "United only: eligible United flight purchases (6x base + 2x card bonus), primary cardholder's fare only; not other airlines", "portalOnly": true, "brand": "United" }, { "category": "travel", "rate": 2, "note": "Other eligible United purchases" }, { "category": "hotels", "rate": 5, "note": "Chase Travel only: Prepaid stays booked directly through Renowned Hotels and Resorts via Chase Travel; excludes FROSCH bookings; not hotels booked directly or elsewhere", "portalOnly": true, "brand": "Renowned Hotels and Resorts via Chase Travel" }, { "category": "*", "rate": 1.5 } ], "credits": [ { "id": "chase_united_club_business_card-renowned-hotels-and-resorts-credit", "label": "Renowned Hotels and Resorts credit", "amount": 200, "period": "year", "cadence": "annual", "categories": [ "hotels" ], "note": "Up to $200 per account-anniversary year", "resetsOn": "anniversary" }, { "id": "chase_united_club_business_card-rideshare-credit", "label": "Rideshare credit", "amount": 150, "period": "year", "cadence": "annual", "categories": [ "rideshare" ], "enrollmentRequired": true, "note": "Up to $150 per calendar year" }, { "id": "chase_united_club_business_card-avis-budget-travelbank-cash", "label": "Avis/Budget TravelBank cash", "amount": 100, "period": "year", "cadence": "annual", "categories": [ "car_rental" ], "note": "$50 credit x 2 rentals per account-anniversary year", "resetsOn": "anniversary" }, { "id": "chase_united_club_business_card-instacart-credit", "label": "Instacart credit", "amount": 240, "period": "year", "cadence": "monthly", "categories": [ "groceries" ], "enrollmentRequired": true, "note": "Two $10 credits/month with an ongoing complimentary Instacart+ membership; benefit window ends 12/31/2027", "endsOn": "2027-12-31" }, { "id": "chase_united_club_business_card-jsx-statement-credit", "label": "JSX statement credit", "amount": 200, "period": "year", "cadence": "annual", "categories": [ "flights" ], "note": "Up to $200 per account-anniversary year", "resetsOn": "anniversary" }, { "id": "chase_united_club_business_card-farelock-statement-credit", "label": "FareLock statement credit", "amount": 50, "period": "year", "cadence": "annual", "categories": [], "note": "Up to $50 per account-anniversary year", "automatic": true, "resetsOn": "anniversary" }, { "id": "chase_united_club_business_card-inflight-and-united-club-premium-d", "label": "Inflight and United Club premium drink rebate", "amount": 0, "period": "year", "cadence": "annual", "categories": [ "flights" ], "note": "25% back as a statement credit; uncapped, no fixed annual dollar value confirmed" } ], "perks": [ "United Club membership included (cardholder + 1 adult guest, or guest + kids under 18, per visit; unlimited visits; excludes Star Alliance lounges)", "'All Access' upgrade adds Star Alliance lounge access (2 guests/visit) by reaching Premier Gold status or spending $50,000/calendar year", "4 United Club one-time passes each anniversary if All Access is unlocked and an employee/authorized-user card is on the account", "Premier Access: priority check-in, security lanes, boarding, and baggage handling for cardholder + companions on same reservation", "First AND second checked bags free for cardholder + 1 companion", "1 PQP per $15 spent, capped at 28,000 PQP/calendar year toward Premier elite status", "2 global Economy Plus upgrades after $40,000 calendar-year spend", "5,000-mile 'better-together' anniversary bonus if also holding a personal United credit card" ], "signup": { "bonusPoints": 100000, "spendReq": 5000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/business-credit-cards/united/united-club-business" ], "country": "US", "officialUrl": "https://creditcards.chase.com/business-credit-cards/united/united-club-business" }, { "id": "chase_southwest_performance_business", "name": "Southwest Rapid Rewards Performance Business Card", "shortName": "Southwest Rapid Rewards Performance Business", "issuer": "Chase", "network": "Visa", "currency": "SOUTHWEST_RR", "annualFee": 299, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 4, "note": "Southwest only: Southwest Airlines purchases; not other airlines", "portalOnly": true, "brand": "Southwest" }, { "category": "hotels", "rate": 2, "note": "Hotel accommodations booked directly with the hotel" }, { "category": "gas", "rate": 2 }, { "category": "dining", "rate": 2 }, { "category": "transit", "rate": 2, "note": "Local transit and commuting, including rideshare; ongoing category, uncapped" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "chase_southwest_performance_business-global-entry-tsa-precheck-nexus-cr", "label": "Global Entry/TSA PreCheck/NEXUS credit", "amount": 30, "period": "year", "cadence": "every4y", "categories": [ "travel" ], "note": "Up to $120 for Global Entry (or ~$85 TSA PreCheck) once every 4 years \u2014 shown as $30/yr amortized. Does not expire yearly." }, { "id": "chase_southwest_performance_business-inflight-drink-rebate", "label": "Inflight drink rebate", "amount": 0, "period": "year", "cadence": "annual", "categories": [ "flights" ], "note": "25% back as a statement credit for cardholder + employees; uncapped, no fixed annual dollar value confirmed" } ], "perks": [ "9,000 bonus points every account-anniversary year", "First checked bag free for cardholder + up to 8 companions", "Group 5 boarding for cardholder + up to 8 companions", "Complimentary Preferred seat selection at booking", "Unlimited Extra Legroom seat upgrades within 48 hours of departure when available", "2,500 Tier Qualifying Points per $5,000 spent per program year toward A-List/A-List Preferred status", "10,000 Companion Pass qualifying-point boost per calendar year" ], "signup": { "bonusPoints": 80000, "spendReq": 5000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/business-credit-cards/southwest/performance-business" ], "country": "US", "officialUrl": "https://creditcards.chase.com/business-credit-cards/southwest/performance-business" }, { "id": "chase_world_of_hyatt_business", "name": "World of Hyatt Business Card", "issuer": "Chase", "network": "Visa", "currency": "HYATT", "annualFee": 199, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 4, "note": "Hyatt only: Up to 9x total at Hyatt hotels: 4 bonus points/$1 from the card + up to 5 base points/$1 from Hyatt membership (base points scale with elite tier; 9x is the max, not guaranteed at Discoverist) Card earns 4x at Hyatt; program base points are earned by any member regardless of card.; not other hotel brands", "portalOnly": true, "brand": "Hyatt" }, { "category": "CHOICE", "rate": 2, "note": "2x on the cardholder's top 3 spend categories each quarter, selected automatically from dining, shipping, airline tickets bought directly from the airline, and local transit/commuting. Encoded as three choice tiers over exactly the categories this card's terms name; the separate 2x fitness row is not part of this pool.", "choice": true, "choiceOptions": [ "dining", "shipping", "flights", "transit" ] }, { "category": "CHOICE", "rate": 2, "note": "2x on the cardholder's top 3 spend categories each quarter, selected automatically from dining, shipping, airline tickets bought directly from the airline, and local transit/commuting. Encoded as three choice tiers over exactly the categories this card's terms name; the separate 2x fitness row is not part of this pool.", "choice": true, "choiceOptions": [ "dining", "shipping", "flights", "transit" ] }, { "category": "CHOICE", "rate": 2, "note": "2x on the cardholder's top 3 spend categories each quarter, selected automatically from dining, shipping, airline tickets bought directly from the airline, and local transit/commuting. Encoded as three choice tiers over exactly the categories this card's terms name; the separate 2x fitness row is not part of this pool.", "choice": true, "choiceOptions": [ "dining", "shipping", "flights", "transit" ] }, { "category": "fitness", "rate": 2, "note": "Fitness club and gym memberships" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "chase_world_of_hyatt_business-annual-hyatt-credit", "label": "Annual Hyatt credit", "amount": 100, "period": "year", "cadence": "semiannual", "categories": [ "hotels" ], "note": "$50 statement credit per qualifying Hyatt purchase (single transaction of $50+), up to 2 times per cardmember-anniversary year ($100/year max)" } ], "perks": [ "Automatic World of Hyatt Discoverist status for as long as the account is open", "Can gift Discoverist status to up to 5 employees", "5 Tier-Qualifying Night credits for every $10,000 spent in a calendar year (toward status tiers and Milestone Rewards)", "10% Bonus Point Redemption Rebate after $50,000 combined calendar-year spend (on up to 200,000 points redeemed, for the rest of that calendar year)" ], "signup": { "bonusPoints": 70000, "spendReq": 7000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-09-08", "sources": [ "https://creditcards.chase.com/business-credit-cards/world-of-hyatt/hyatt-business-card" ], "country": "US", "officialUrl": "https://creditcards.chase.com/business-credit-cards/world-of-hyatt/hyatt-business-card", "shortName": "Hyatt Business" }, { "id": "chase_ink_business_premier", "name": "Chase Ink Business Premier", "issuer": "Chase", "network": "Visa", "currency": "CASH", "annualFee": 195, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 5, "note": "5% total cash back on purchases made through Chase Travel, uncapped" }, { "category": "rideshare", "rate": 5, "note": "Total 5% cash back on Lyft rides (limited-time promo through 9/30/2027)", "portalOnly": true, "brand": "Lyft" }, { "category": "*", "rate": 2 } ], "credits": [], "perks": [ "Cell Phone Protection (up to $1,000/claim, max 3 claims per 12 months, $100 deductible)", "Primary auto rental collision damage waiver for business rentals (up to $60,000, MSRP \u2264$125,000)", "Purchase Protection (120 days, up to $10,000/item)", "Extended Warranty Protection (+1 year on warranties \u22643 years, up to 4 years total)", "Travel & Emergency Assistance", "Roadside Dispatch", "'Flex for Business': credit line split into a Pay-in-Full balance and a revolving Flex balance (variable APR ~17.74%\u201328.49%)", "Employee cards with individual spending limits" ], "signup": { "bonusPoints": 100000, "spendReq": 10000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/business-credit-cards/ink/premier", "https://creditcards.chase.com/business-credit-cards/chaseforbusiness" ], "conversionNotes": [ "Extra base-rate tier not expressible: 2.5pct (2.5% total cash back on any single purchase that bills/posts at $5,000 or more; a per-tran)." ], "country": "US", "officialUrl": "https://creditcards.chase.com/business-credit-cards/ink/premier" }, { "id": "chase_united_business_card", "name": "United Business Card", "issuer": "Chase", "network": "Visa", "currency": "UNITED_MILES", "annualFee": 150, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 8, "note": "United only: eligible United flight purchases (6x MileagePlus base + 2x card bonus), primary cardholder's fare only; not other airlines", "portalOnly": true, "brand": "United" }, { "category": "travel", "rate": 2, "note": "Other eligible United purchases: seat upgrades, Economy Plus, inflight food/beverage/Wi-Fi, bag fees, United Card Events" }, { "category": "gas", "rate": 2 }, { "category": "dining", "rate": 2, "note": "Includes eligible delivery services" }, { "category": "office_supply", "rate": 2 }, { "category": "transit", "rate": 2, "note": "Local transit and commuting: rideshare, taxis, train tickets, tolls, mass transit" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "chase_united_business_card-united-travelbank-cash", "label": "United TravelBank cash", "amount": 125, "period": "year", "cadence": "annual", "categories": [ "flights" ], "note": "Once per calendar year, after 5 qualifying United flight-related purchases of $100+ each" }, { "id": "chase_united_business_card-united-hotels-statement-credit", "label": "United Hotels statement credit", "amount": 100, "period": "year", "cadence": "annual", "categories": [ "hotels" ], "note": "$50 credit each on the 1st and 2nd prepaid stay per account-anniversary year", "resetsOn": "anniversary" }, { "id": "chase_united_business_card-rideshare-credit", "label": "Rideshare credit", "amount": 100, "period": "year", "cadence": "annual", "categories": [ "rideshare" ], "enrollmentRequired": true, "note": "Up to $100/calendar year; $8/month Jan\u2013Nov, $12 in December" }, { "id": "chase_united_business_card-avis-budget-travelbank-cash", "label": "Avis/Budget TravelBank cash", "amount": 50, "period": "year", "cadence": "annual", "categories": [ "car_rental" ], "note": "$25 credit x 2 rentals per account-anniversary year", "resetsOn": "anniversary" }, { "id": "chase_united_business_card-instacart-credit", "label": "Instacart credit", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "groceries" ], "enrollmentRequired": true, "note": "Requires activating complimentary Instacart+ membership (3 months free, then 25% off); benefit window ends 12/31/2027", "endsOn": "2027-12-31" }, { "id": "chase_united_business_card-jsx-statement-credit", "label": "JSX statement credit", "amount": 100, "period": "year", "cadence": "annual", "categories": [ "flights" ], "note": "Up to $100 per account-anniversary year", "resetsOn": "anniversary" }, { "id": "chase_united_business_card-farelock-statement-credit", "label": "FareLock statement credit", "amount": 25, "period": "year", "cadence": "annual", "categories": [], "note": "Up to $25 per account-anniversary year", "automatic": true, "resetsOn": "anniversary" }, { "id": "chase_united_business_card-inflight-and-united-club-premium-d", "label": "Inflight and United Club premium drink rebate", "amount": 0, "period": "year", "cadence": "annual", "categories": [ "flights" ], "note": "25% back as a statement credit; uncapped, no fixed annual dollar value confirmed" } ], "perks": [ "First checked bag free for cardholder + 1 companion on same reservation, each way", "Priority boarding (after Premier Access, before general boarding)", "2 United Club one-time passes deposited annually", "1 PQP per $20 spent, capped at 4,000 PQP/calendar year toward Premier elite status", "2 Economy Plus upgrade certificates after $25,000 calendar-year spend", "5,000-mile 'better-together' anniversary bonus if also holding a personal United credit card", "Save 10%+ on award flights booked with miles" ], "signup": { "bonusPoints": 100000, "spendReq": 5000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/business-credit-cards/united/united-business-card" ], "country": "US", "officialUrl": "https://creditcards.chase.com/business-credit-cards/united/united-business-card" }, { "id": "chase_southwest_premier_business", "name": "Southwest Rapid Rewards Premier Business Card", "shortName": "Southwest Rapid Rewards Premier Business", "issuer": "Chase", "network": "Visa", "currency": "SOUTHWEST_RR", "annualFee": 149, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 3, "note": "Southwest only: Southwest Airlines purchases: flights, inflight, gift cards, Vacations/Getaways packages; not other airlines", "portalOnly": true, "brand": "Southwest" }, { "category": "gas", "rate": 2, "cap": 8000, "capPeriod": "year", "note": "Combined cap shared with dining; first $8,000/account-anniversary-year combined spend, then reverts to 1x. Issuer terms: \"Earn 2 points for every $1 you spend at gas stations and restaurants on the first $8,000 in combined purchases per anniversary year.\"", "capGroup": "gas_dining" }, { "category": "dining", "rate": 2, "cap": 8000, "capPeriod": "year", "note": "Combined cap shared with gas stations; first $8,000/account-anniversary-year combined spend, then reverts to 1x. Issuer terms: \"Earn 2 points for every $1 you spend at gas stations and restaurants on the first $8,000 in combined purchases per anniversary year.\"", "capGroup": "gas_dining" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "chase_southwest_premier_business-inflight-drink-wi-fi-rebate", "label": "Inflight drink/Wi-Fi rebate", "amount": 0, "period": "year", "cadence": "annual", "categories": [ "flights" ], "note": "25% back as a statement credit for cardholder + employee cardholders; uncapped, no fixed annual dollar value confirmed" } ], "perks": [ "6,000 bonus points every account-anniversary year", "One 15% flight-discount promo code every account-anniversary year (excludes Basic fare)", "First checked bag free for cardholder + up to 8 companions on same reservation", "Group 5 boarding for cardholder + up to 8 companions", "Standard/Preferred seat selection within 48 hours of departure when available", "2,000 Tier Qualifying Points per $5,000 spent per program year toward A-List/A-List Preferred status", "10,000 Companion Pass qualifying-point boost per calendar year" ], "signup": { "bonusPoints": 60000, "spendReq": 3000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/business-credit-cards/southwest/premier-business" ], "country": "US", "officialUrl": "https://creditcards.chase.com/business-credit-cards/southwest/premier-business" }, { "id": "chase_ihg_premier_business", "name": "IHG One Rewards Premier Business Card", "issuer": "Chase", "network": "Mastercard", "currency": "IHG", "annualFee": 99, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 10, "note": "IHG only: at IHG One Rewards hotels; card multiplier only \u2014 combined with IHG member/status earning, Chase advertises up to 26x total; not other hotel brands", "portalOnly": true, "brand": "IHG" }, { "category": "travel", "rate": 5, "note": "Travel spend excluding IHG hotel purchases" }, { "category": "dining", "rate": 5, "note": "Includes takeout and delivery" }, { "category": "advertising", "rate": 5, "note": "Social media and search-engine advertising" }, { "category": "office_supply", "rate": 5 }, { "category": "gas", "rate": 5 }, { "category": "*", "rate": 3 } ], "credits": [ { "id": "chase_ihg_premier_business-annual-spend-statement-credit-bonu", "label": "Annual spend statement credit + bonus points", "amount": 100, "period": "year", "cadence": "annual", "categories": [], "note": "$100 statement credit plus 10,000 bonus points in any calendar year in which you spend $20,000 or more", "automatic": true }, { "id": "chase_ihg_premier_business-global-entry-tsa-precheck-nexus-cr", "label": "Global Entry/TSA PreCheck/NEXUS credit", "amount": 30, "period": "year", "cadence": "every4y", "categories": [ "travel" ], "note": "Up to $120 for Global Entry (or ~$85 TSA PreCheck) once every 4 years \u2014 shown as $30/yr amortized. Does not expire yearly." }, { "id": "chase_ihg_premier_business-dashpass-complimentary-membership", "label": "DashPass complimentary membership", "amount": 0, "period": "year", "cadence": "annual", "categories": [ "dining" ], "enrollmentRequired": true, "note": "12 months complimentary DashPass if activated between 2/1/2025 and 12/31/2027, plus $10 off quarterly on qualifying DoorDash non-restaurant orders" }, { "id": "chase_ihg_premier_business-instacart-membership-credit", "label": "Instacart+ membership + credit", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "groceries" ], "enrollmentRequired": true, "note": "3 months complimentary Instacart+ if activated between 5/1/2025 and 12/31/2027, plus $10/month Instacart credit while enrolled" } ], "perks": [ "Automatic IHG One Rewards Platinum Elite status for as long as the account is open (6\u20138 weeks to post)", "4th night free on reward stays of 4+ consecutive nights at the same property (unlimited uses per year)", "10,000 bonus points for adding the first employee card within 3 months", "No foreign transaction fees" ], "signup": { "bonusPoints": 140000, "spendReq": 4000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/business-credit-cards/IHG/business-premier" ], "country": "US", "officialUrl": "https://creditcards.chase.com/business-credit-cards/IHG/business-premier" }, { "id": "chase_marriott_bonvoy_premier_plus_business", "name": "Marriott Bonvoy Premier Plus Business Card", "issuer": "Chase", "network": "Visa", "currency": "MARRIOTT", "annualFee": 99, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "business", "status": "closed_to_new", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 6, "note": "Marriott only: At 30+ hotel brands participating in Marriott Bonvoy; not other hotel brands", "portalOnly": true, "brand": "Marriott" }, { "category": "gas", "rate": 4, "note": "No dollar cap disclosed on current cardholder benefits page; part of a 4x category group with dining, shipping, and internet/cable/phone" }, { "category": "dining", "rate": 4, "note": "No dollar cap disclosed; part of the 4x category group" }, { "category": "shipping", "rate": 4, "note": "No dollar cap disclosed; part of the 4x category group" }, { "category": "internet", "rate": 4, "note": "No dollar cap disclosed; part of the 4x category group" }, { "category": "phone", "rate": 4, "note": "No dollar cap disclosed; part of the 4x category group" }, { "category": "*", "rate": 2 } ], "credits": [], "perks": [ "Automatic Marriott Bonvoy Gold Elite status", "15 Elite Night Credits deposited annually (by March 1)", "25% Elite Bonus Points on stays (via Gold status)", "2pm late checkout and room upgrade based on availability (via Gold status)", "7% room rate discount on direct bookings", "Complimentary premium Wi-Fi at Marriott properties", "Visa Signature protections: trip delay reimbursement, lost luggage, primary auto rental collision damage waiver" ], "verifiedDate": "2026-08-21", "sources": [ "https://marriott.chase.com/premier-plus-business", "https://marriott.chase.com/premier-plus-business/benefits", "https://www.marriott.com/credit-cards.mi" ], "country": "US", "officialUrl": "https://marriott.chase.com/premier-plus-business/benefits" }, { "id": "chase_ink_business_preferred", "name": "Chase Ink Business Preferred", "issuer": "Chase", "network": "Visa", "currency": "UR", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel", "rate": 3, "cap": 150000, "capPeriod": "year", "note": "Shares one combined $150,000/account-anniversary-year cap with shipping, internet/cable/phone, and social media/search-engine advertising; reverts to 1x after cap. Issuer terms: \"Earn 3 points per $1 on the first $150,000 spent in combined purchases in the following categories each account anniversary year.\"", "capGroup": "bonus_3x" }, { "category": "shipping", "rate": 3, "cap": 150000, "capPeriod": "year", "note": "Shares the same combined $150,000/year cap as travel, internet/cable/phone, and advertising. Issuer terms: \"Earn 3 points per $1 on the first $150,000 spent in combined purchases in the following categories each account anniversary year.\"", "capGroup": "bonus_3x" }, { "category": "internet", "rate": 3, "cap": 150000, "capPeriod": "year", "note": "Shares the same combined $150,000/year cap as travel, shipping, and advertising. Issuer terms: \"Earn 3 points per $1 on the first $150,000 spent in combined purchases in the following categories each account anniversary year.\"", "capGroup": "bonus_3x" }, { "category": "phone", "rate": 3, "cap": 150000, "capPeriod": "year", "note": "Shares the same combined $150,000/year cap as travel, shipping, and advertising. Issuer terms: \"Earn 3 points per $1 on the first $150,000 spent in combined purchases in the following categories each account anniversary year.\"", "capGroup": "bonus_3x" }, { "category": "advertising", "rate": 3, "cap": 150000, "capPeriod": "year", "note": "Social media and search-engine advertising; shares the same combined $150,000/year cap as travel, shipping, and internet/cable/phone. Issuer terms: \"Earn 3 points per $1 on the first $150,000 spent in combined purchases in the following categories each account anniversary year.\"", "capGroup": "bonus_3x" }, { "category": "rideshare", "rate": 5, "cap": 150000, "capPeriod": "year", "note": "Total 5x points on Lyft rides (limited-time promo through 9/30/2027); counts toward the shared $150,000 cap. Issuer terms: \"That's 2 additional points on top of the 3 points earned on travel until the first $150,000 is spent each account anniversary year on combined purchases that earn 3 points in the rewards program.\"", "portalOnly": true, "brand": "Lyft", "capGroup": "bonus_3x" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "chase_ink_business_preferred-dashpass-membership-doordash-credi", "label": "DashPass membership + DoorDash credit", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "Complimentary DashPass for a minimum of 12 months if activated by 12/31/2027 ($0 delivery fees, reduced service fees); up to $10/month off one qualifying non-restaurant DoorDash order once activated, does not roll over", "endsOn": "2027-12-31" } ], "perks": [ "Cell Phone Protection (up to $1,000/claim, max 3 claims per 12 months, $100 deductible; phone bill must be paid with the card)", "Purchase Protection (120 days, up to $10,000/item; NY residents 90 days)", "Extended Warranty Protection (+1 year on warranties \u22643 years, up to 4 years total)", "Trip Cancellation/Interruption Insurance (up to $5,000 per covered traveler, $10,000 per trip)", "Primary auto rental collision damage waiver for business rentals (up to $60,000, MSRP \u2264$125,000)", "Roadside Dispatch", "Points transfer to airline partners (Aer Lingus, Air Canada Aeroplan, British Airways, Flying Blue, Iberia, JetBlue, Singapore KrisFlyer, Southwest, United, Virgin Atlantic) and hotel partners (IHG, Marriott Bonvoy, World of Hyatt)", "Rewards can be pooled across select Chase business/personal cards held by the same person or business" ], "signup": { "bonusPoints": 100000, "spendReq": 8000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/business-credit-cards/ink/business-preferred", "https://creditcards.chase.com/business-credit-cards/chaseforbusiness" ], "country": "US", "officialUrl": "https://creditcards.chase.com/business-credit-cards/ink/business-preferred", "shortName": "Ink Business Preferred" }, { "id": "chase_ink_business_cash", "name": "Chase Ink Business Cash", "issuer": "Chase", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#12385f", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "office_supply", "rate": 5, "cap": 25000, "capPeriod": "year", "note": "Combined annual cap shared with internet/cable/phone; reverts to 1% after $25,000/account-anniversary-year. Issuer terms: \"Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.\"", "capGroup": "bonus_5pct" }, { "category": "internet", "rate": 5, "cap": 25000, "capPeriod": "year", "note": "Combined annual cap shared with office supply stores; reverts to 1% after $25,000/account-anniversary-year. Issuer terms: \"Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.\"", "capGroup": "bonus_5pct" }, { "category": "phone", "rate": 5, "cap": 25000, "capPeriod": "year", "note": "Combined annual cap shared with office supply stores; reverts to 1% after $25,000/account-anniversary-year. Issuer terms: \"Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.\"", "capGroup": "bonus_5pct" }, { "category": "gas", "rate": 2, "cap": 25000, "capPeriod": "year", "note": "Combined annual cap shared with dining (separate $25,000 pool from the 5% categories); reverts to 1% after cap. Issuer terms: \"Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.\"", "capGroup": "bonus_2pct" }, { "category": "dining", "rate": 2, "cap": 25000, "capPeriod": "year", "note": "Combined annual cap shared with gas stations (separate $25,000 pool from the 5% categories); reverts to 1% after cap. Issuer terms: \"Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.\"", "capGroup": "bonus_2pct" }, { "category": "rideshare", "rate": 5, "note": "Total 5% cash back on Lyft rides (limited-time promo through 9/30/2027)", "portalOnly": true, "brand": "Lyft" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "chase_ink_business_cash-instacart-membership-monthly-credi", "label": "Instacart+ membership + monthly credit", "amount": 240, "period": "year", "cadence": "monthly", "categories": [ "groceries" ], "enrollmentRequired": true, "note": "Complimentary 3-month Instacart+ membership (auto-renews at $99/year after), plus $20/month Instacart credit while enrolled; does not roll over; promo window runs through 12/31/2027", "endsOn": "2027-12-31" } ], "perks": [ "Primary auto rental collision damage waiver for business rentals (up to $60,000, vehicle MSRP \u2264$125,000)", "Purchase Protection (120 days, up to $10,000/item; NY residents 90 days)", "Extended Warranty Protection (+1 year on warranties \u22643 years, up to 4 years total)", "Travel & Emergency Assistance", "Roadside Dispatch (fee billed at time of dispatch)", "Automatic credit-line-increase review every 6 months", "No annual fee; employee/authorized-user cards free with individual spend controls" ], "signup": { "bonusPoints": 100000, "spendReq": 8000, "months": 4, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/business-credit-cards/ink/cash", "https://creditcards.chase.com/business-credit-cards/chaseforbusiness" ], "country": "US", "officialUrl": "https://creditcards.chase.com/business-credit-cards/ink/cash", "shortName": "Ink Business Cash" }, { "id": "chase_ink_business_unlimited", "name": "Chase Ink Business Unlimited", "issuer": "Chase", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#12385f", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "rideshare", "rate": 5, "note": "Total 5% cash back on Lyft rides (limited-time promo through 9/30/2027)", "portalOnly": true, "brand": "Lyft" }, { "category": "*", "rate": 1.5 } ], "credits": [ { "id": "chase_ink_business_unlimited-instacart-membership-monthly-credi", "label": "Instacart+ membership + monthly credit", "amount": 240, "period": "year", "cadence": "monthly", "categories": [ "groceries" ], "enrollmentRequired": true, "note": "Complimentary 3-month Instacart+ membership (auto-renews at $99/year after), plus $20/month Instacart credit while enrolled; does not roll over; promo window runs through 12/31/2027", "endsOn": "2027-12-31" } ], "perks": [ "Primary auto rental collision damage waiver for business rentals (up to $60,000, vehicle MSRP \u2264$125,000)", "Purchase Protection (120 days, up to $10,000/item; NY residents 90 days)", "Extended Warranty Protection (+1 year on warranties \u22643 years, up to 4 years total)", "Travel & Emergency Assistance", "Roadside Dispatch (fee billed at time of dispatch)", "No annual fee; employee/authorized-user cards free" ], "signup": { "bonusPoints": 100000, "spendReq": 8000, "months": 4, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/business-credit-cards/ink/unlimited", "https://creditcards.chase.com/business-credit-cards/chaseforbusiness" ], "country": "US", "officialUrl": "https://creditcards.chase.com/business-credit-cards/ink/unlimited", "shortName": "Ink Business Unlimited" }, { "id": "chase_sapphire_reserve", "name": "Chase Sapphire Reserve", "issuer": "Chase", "network": "Visa", "currency": "UR", "annualFee": 795, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 8, "note": "All purchases through Chase Travel, including The Edit" }, { "category": "flights", "rate": 4, "note": "Flights booked direct with the airline" }, { "category": "hotels", "rate": 4, "note": "Hotels booked direct with the property" }, { "category": "dining", "rate": 3, "note": "Dining worldwide" }, { "category": "rideshare", "rate": 5, "note": "Lyft rides, through 9/30/2027 (3x additional on top of base 2x travel rate)", "portalOnly": true, "brand": "Lyft" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "chase_sapphire_reserve-annual-travel-credit", "label": "Annual travel credit", "amount": 300, "period": "year", "cadence": "annual", "categories": [ "travel", "travel_portal" ], "note": "Applies automatically to travel purchases each account anniversary year; qualifying purchases do not earn points", "resetsOn": "anniversary" }, { "id": "chase_sapphire_reserve-the-edit-hotel-credit", "label": "The Edit hotel credit", "amount": 500, "period": "year", "cadence": "semiannual", "categories": [ "hotels" ], "note": "Up to $250 per prepaid Edit booking (2-night minimum), split by Chase into two halves: up to $250 from January 1 to June 30 and up to $250 from July 1 to December 31. An unused half is forfeited at the reset, so $500 is only reachable by booking in both halves. Prepaid bookings through Chase Travel only. Qualifying purchases do not earn points." }, { "id": "chase_sapphire_reserve-select-chase-travel-hotels-credit", "label": "Select Chase Travel Hotels credit", "amount": 250, "period": "year", "cadence": "annual", "categories": [ "hotels" ], "note": "2-night minimum required; this benefit is scheduled to expire 12/31/2026 per the official card page", "endsOn": "2026-12-31" }, { "id": "chase_sapphire_reserve-sapphire-reserve-dining-credit", "label": "Sapphire Reserve dining credit", "amount": 300, "period": "year", "cadence": "semiannual", "categories": [ "dining" ], "note": "Up to $150 Jan-Jun and up to $150 Jul-Dec, max $300/year" }, { "id": "chase_sapphire_reserve-doordash-monthly-promos", "label": "DoorDash monthly promos", "amount": 300, "period": "year", "cadence": "monthly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "DashPass members get up to $25/month ($5 restaurant promo + two $10 grocery/retail promos), available through 12/31/2027; requires active DashPass enrollment", "endsOn": "2027-12-31" }, { "id": "chase_sapphire_reserve-stubhub-viagogo-credit", "label": "StubHub / viagogo credit", "amount": 300, "period": "year", "cadence": "semiannual", "categories": [], "enrollmentRequired": true, "note": "Up to $150 Jan-Jun and up to $150 Jul-Dec, max $300/year, through 12/31/2027; activation required", "automatic": true, "endsOn": "2027-12-31" }, { "id": "chase_sapphire_reserve-lyft-in-app-credits", "label": "Lyft in-app credits", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "rideshare" ], "note": "Up to $10/month in-app credit through 9/30/2027", "endsOn": "2027-09-30" }, { "id": "chase_sapphire_reserve-peloton-membership-credit", "label": "Peloton membership credit", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "fitness" ], "enrollmentRequired": true, "note": "$10/month statement credit through 12/31/2027, max $120/year; activation required", "endsOn": "2027-12-31" } ], "perks": [ "Chase Sapphire Lounges by The Club + Priority Pass Select membership (1,300+ lounges, up to 2 guests)", "Access to select Air Canada Maple Leaf Lounges/Cafes with eligible boarding pass", "Complimentary DashPass membership, 12 months, ~$120 value, activate by 12/31/2027", "IHG One Rewards Platinum Elite Status through 12/31/2027", "Reserve Travel Designers custom itinerary service, valued up to $300/trip", "Auto Rental Coverage, primary, up to $75,000, US and abroad", "Trip Cancellation and Interruption Insurance, up to $10,000/traveler and $20,000/trip", "Trip Delay Reimbursement, up to $500/traveler, delay over 6 hours" ], "signup": { "bonusPoints": 100000, "spendReq": 6000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://www.chase.com/sapphire-cards/personal/reserve", "https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve", "https://www.chase.com/personal/credit-cards/education/chase-cards/sapphire-reserve-for-business-hotel-statement-credit" ], "conversionNotes": [ "Brand-specific 10x rate not mapped to a category.", "One-time credit not modelled: Global Entry / TSA PreCheck / NEXUS credit ($120)." ], "country": "US", "officialUrl": "https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve", "shortName": "Sapphire Reserve" }, { "id": "united_club_infinite", "name": "United Club Infinite Card", "issuer": "Chase", "network": "Visa Infinite", "currency": "UNITED_MILES", "annualFee": 695, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 5, "note": "United only: all other eligible United purchases; not other airlines", "portalOnly": true, "brand": "United" }, { "category": "hotels", "rate": 5, "note": "Chase Travel only: Hotel stays prepaid directly through Renowned Hotels and Resorts for United Cardmembers via Chase Travel; not hotels booked directly or elsewhere", "portalOnly": true, "brand": "Renowned Hotels and Resorts via Chase Travel" }, { "category": "travel", "rate": 2, "note": "Airfare (non-United), trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, rideshare, tolls" }, { "category": "dining", "rate": 2, "note": "Restaurants including takeout and eligible delivery services" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "united_club_infinite-renowned-hotels-and-resorts-credit", "label": "Renowned Hotels and Resorts credit", "amount": 200, "period": "year", "cadence": "annual", "categories": [ "hotels" ], "note": "Up to $200 back in statement credits per anniversary year", "resetsOn": "anniversary" }, { "id": "united_club_infinite-rideshare-credit", "label": "Rideshare credit", "amount": 150, "period": "year", "cadence": "monthly", "categories": [ "rideshare" ], "enrollmentRequired": true, "note": "Up to $12 back/month Jan-Nov, up to $18 back in December, max $150/calendar year; yearly opt-in required" }, { "id": "united_club_infinite-avis-budget-travel-credit", "label": "Avis/Budget travel credit", "amount": 100, "period": "year", "cadence": "annual", "categories": [ "car_rental" ], "note": "$50 + $50 (1st and 2nd rental) delivered as United TravelBank cash, up to $100 per anniversary year", "resetsOn": "anniversary" }, { "id": "united_club_infinite-instacart-credit", "label": "Instacart credit", "amount": 240, "period": "year", "cadence": "monthly", "categories": [ "groceries" ], "enrollmentRequired": true, "note": "Two $10 credits monthly ($20/month), up to $240/calendar year; requires activating complimentary Instacart+ membership; benefits end 12/31/2027", "endsOn": "2027-12-31" }, { "id": "united_club_infinite-jsx-credit", "label": "JSX credit", "amount": 200, "period": "year", "cadence": "annual", "categories": [ "flights" ], "note": "Statement credit up to $200 per anniversary year", "resetsOn": "anniversary" } ], "perks": [ "Unlimited United Club access for primary Cardmember plus 1 adult guest and dependent children under 18 ($750+ value)", "United Club All Access membership unlocked after $50,000 calendar-year card spend or reaching Premier Gold status+ (adds 2nd guest and Star Alliance-affiliated lounge access)", "4 United Club one-time passes deposited each account anniversary (requires All Access membership and an authorized user on the account)", "Free first and second checked bags for primary Cardmember and one companion (up to $440 savings per roundtrip; 90-day waiver on ticket-purchase requirement after account opening)", "Premier Access travel services: priority check-in, security screening, boarding, and baggage handling", "Earn 1 PQP per $15 spent, up to 28,000 PQP per calendar year", "1,500 Card Bonus PQP awarded each year within 8 weeks of February 1, starting the calendar year after account opening", "10,000-mile award flight discount after $20,000 calendar-year spend, up to 2x per year (max 20,000 miles on $40,000 spend)" ], "signup": { "bonusPoints": 90000, "spendReq": 5000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/travel-credit-cards/united/club-infinite" ], "conversionNotes": [ "Duplicate flights rates published (11x and 5x); using the lower rate \u2014 the higher tier is usually condition-bound.", "One-time credit not modelled: Global Entry / TSA PreCheck / NEXUS fee credit ($120)." ], "country": "US", "officialUrl": "https://creditcards.chase.com/travel-credit-cards/united/club-infinite" }, { "id": "united_quest", "name": "United Quest Card", "issuer": "Chase", "network": "Visa Signature", "currency": "UNITED_MILES", "annualFee": 350, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 4, "note": "United only: all other eligible United purchases; not other airlines", "portalOnly": true, "brand": "United" }, { "category": "hotels", "rate": 5, "note": "Chase Travel only: Hotel stays prepaid directly through Renowned Hotels and Resorts for United Cardmembers via Chase Travel; not hotels booked directly or elsewhere", "portalOnly": true, "brand": "Renowned Hotels and Resorts via Chase Travel" }, { "category": "travel", "rate": 2, "note": "Airfare (non-United), trains, local transit, cruise lines, hotels (not prepaid Renowned Hotels), car rentals, taxicabs, resorts, rideshare, tolls" }, { "category": "dining", "rate": 2, "note": "Restaurants including takeout and eligible delivery services" }, { "category": "streaming", "rate": 2, "note": "Select streaming services" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "united_quest-united-travelbank-cash", "label": "United TravelBank cash", "amount": 200, "period": "year", "cadence": "annual", "categories": [ "travel", "travel_portal" ], "note": "Delivered as United TravelBank cash to MileagePlus account (not a card statement credit); must be used toward United/United Express flight within 12 months of issue" }, { "id": "united_quest-renowned-hotels-and-resorts-credit", "label": "Renowned Hotels and Resorts credit", "amount": 150, "period": "year", "cadence": "annual", "categories": [ "hotels" ], "note": "Up to $150 back in statement credits per anniversary year", "resetsOn": "anniversary" }, { "id": "united_quest-rideshare-credit", "label": "Rideshare credit", "amount": 100, "period": "year", "cadence": "monthly", "categories": [ "rideshare" ], "enrollmentRequired": true, "note": "Up to $8 back/month Jan-Nov, up to $12 back in December, max $100/calendar year; yearly opt-in required" }, { "id": "united_quest-avis-budget-travel-credit", "label": "Avis/Budget travel credit", "amount": 80, "period": "year", "cadence": "annual", "categories": [ "car_rental" ], "note": "$40 + $40 (1st and 2nd rental) delivered as United TravelBank cash, up to $80 per anniversary year", "resetsOn": "anniversary" }, { "id": "united_quest-instacart-credit", "label": "Instacart credit", "amount": 180, "period": "year", "cadence": "monthly", "categories": [ "groceries" ], "enrollmentRequired": true, "note": "One $10 credit plus one $5 credit monthly ($15/month), up to $180/calendar year; requires activating complimentary Instacart+ membership; benefits end 12/31/2027", "endsOn": "2027-12-31" }, { "id": "united_quest-jsx-credit", "label": "JSX credit", "amount": 150, "period": "year", "cadence": "annual", "categories": [ "flights" ], "note": "Statement credit up to $150 per calendar/anniversary year", "resetsOn": "anniversary" } ], "perks": [ "Free first and second checked bags for primary Cardmember and one companion (up to $440 savings per roundtrip; 90-day waiver on ticket-purchase requirement after account opening)", "Priority boarding (before general boarding, after Premier members/Premier Access/special assistance)", "Earn 1 PQP per $20 spent, up to 18,000 PQP per calendar year", "1,000 Card Bonus PQP awarded each year within 8 weeks of February 1, starting the calendar year after account opening", "2 complimentary global Economy Plus seat upgrades after $40,000 calendar-year spend", "10,000-mile award flight discount deposited each account anniversary, plus an additional 10,000-mile discount after $20,000 calendar-year spend (limit 1 extra/year)", "10% (15% for Premier members) discount on award flights booked with miles", "25% back statement credit on inflight food/beverage/Wi-Fi and United Club premium drink purchases (uncapped)" ], "signup": { "bonusPoints": 60000, "spendReq": 4000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/travel-credit-cards/united/united-quest", "https://www.nerdwallet.com/credit-cards/reviews/united-quest" ], "conversionNotes": [ "Duplicate flights rates published (10x and 4x); using the lower rate \u2014 the higher tier is usually condition-bound.", "One-time credit not modelled: Global Entry / TSA PreCheck / NEXUS fee credit ($120)." ], "country": "US", "officialUrl": "https://creditcards.chase.com/travel-credit-cards/united/united-quest" }, { "id": "chase_marriott_bonvoy_bountiful", "name": "Marriott Bonvoy Bountiful\u2122 Credit Card", "shortName": "Marriott Bonvoy Bountiful\u2122", "issuer": "Chase", "network": "Visa", "currency": "MARRIOTT", "annualFee": 250, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 6, "note": "Marriott only: Marriott Bonvoy hotel spend (card-level rate only); Chase also markets a combined 'up to' total when stacking Bonvoy membership points and Gold Elite bonus on top of this rate; not other hotel brands", "portalOnly": true, "brand": "Marriott" }, { "category": "groceries", "rate": 4, "cap": 15000, "capPeriod": "year", "note": "combined annual cap of $15,000 shared with dining purchases; 2X thereafter. Issuer terms: \"Earn 4X points for every $1 on the first $15,000 in combined purchases annually on grocery stores and dining.\"", "capGroup": "grocery_dining" }, { "category": "dining", "rate": 4, "cap": 15000, "capPeriod": "year", "note": "combined annual cap of $15,000 shared with grocery purchases; 2X thereafter. Issuer terms: \"Earn 4X points for every $1 on the first $15,000 in combined purchases annually on grocery stores and dining.\"", "capGroup": "grocery_dining" }, { "category": "*", "rate": 2 } ], "credits": [], "perks": [ "Automatic Marriott Bonvoy Gold Elite status each calendar year", "15 Elite Night Credits deposited annually (on or before March 1)", "25% Elite Bonus Points on stays as Gold Elite", "2 p.m. Late Checkout (based on availability)", "Enhanced Room Upgrade (based on availability)", "1,000 bonus points per eligible stay at participating Marriott Bonvoy hotels (max 1,000/stay, booked directly with Marriott)", "No foreign transaction fees", "Auto rental collision/theft coverage (secondary in the U.S.)" ], "signup": { "bonusPoints": 85000, "spendReq": 4000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bountiful", "https://marriott.chase.com/bountiful", "https://marriott.chase.com/bountiful/benefits", "https://marriott.chase.com/bountiful/earn-redeem" ], "country": "US", "officialUrl": "https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bountiful" }, { "id": "southwest_rr_priority", "name": "Southwest Rapid Rewards Priority Card", "issuer": "Chase", "network": "Visa", "currency": "SOUTHWEST_RR", "annualFee": 229, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 4, "note": "Southwest only: Southwest Airlines purchases; not other airlines", "portalOnly": true, "brand": "Southwest" }, { "category": "gas", "rate": 2, "note": "Gas stations, no annual cap" }, { "category": "dining", "rate": 2, "note": "Restaurants, no annual cap" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "southwest_rr_priority-dashpass-doordash-credit", "label": "DashPass DoorDash credit", "amount": 40, "period": "year", "cadence": "quarterly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "Up to $10 off quarterly on non-restaurant DoorDash orders through 12/31/2027; requires DashPass activation by 12/31/2027", "endsOn": "2027-12-31" } ], "perks": [ "First checked bag free for cardmember and up to 8 additional passengers on the same reservation", "7,500 anniversary bonus points each year on cardmember anniversary", "10,000 Companion Pass qualifying points boost each calendar year", "Points earned on card purchases count toward Southwest Companion Pass qualification", "25% back on inflight purchases", "No foreign transaction fees", "Standard or Preferred seat selection at booking, when available, for cardmember and up to 8 additional passengers on the same reservation (for flights operating in 2026)", "Unlimited upgrades to Extra Legroom seats within 48 hours prior to departure, when available, at no additional charge, for cardmember and up to 8 additional passengers on the same reservation" ], "signup": { "bonusPoints": 60000, "spendReq": 2000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/travel-credit-cards/southwest/priority", "https://media.chase.com/news/chase-southwest-introduce-new-card-benefits", "https://www.chase.com/personal/credit-cards/southwest-aau" ], "country": "US", "officialUrl": "https://creditcards.chase.com/travel-credit-cards/southwest/priority" }, { "id": "united_explorer", "name": "United Explorer Card", "issuer": "Chase", "network": "Visa Signature", "currency": "UNITED_MILES", "annualFee": 150, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 3, "note": "United only: all other eligible United purchases; not other airlines", "portalOnly": true, "brand": "United" }, { "category": "hotels", "rate": 2, "note": "Hotel accommodations purchased directly with the hotel" }, { "category": "dining", "rate": 2, "note": "Restaurants including takeout and eligible delivery services" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "united_explorer-united-travelbank-cash-after-10-00", "label": "United TravelBank cash after $10,000 spend", "amount": 100, "period": "year", "cadence": "annual", "categories": [ "travel", "travel_portal" ], "note": "Delivered as United TravelBank cash to MileagePlus account (not a card statement credit); limit one per calendar year; TravelBank cash expires 12 months after issue" }, { "id": "united_explorer-renowned-hotels-and-resorts-credit", "label": "Renowned Hotels and Resorts credit", "amount": 100, "period": "year", "cadence": "annual", "categories": [ "hotels" ], "note": "$50 back on each of 1st and 2nd prepaid stay, up to $100 per anniversary year", "resetsOn": "anniversary" }, { "id": "united_explorer-rideshare-credit", "label": "Rideshare credit", "amount": 60, "period": "year", "cadence": "monthly", "categories": [ "rideshare" ], "enrollmentRequired": true, "note": "Up to $5 back/month, up to $60/calendar year; yearly opt-in/enrollment required" }, { "id": "united_explorer-avis-budget-travel-credit", "label": "Avis/Budget travel credit", "amount": 50, "period": "year", "cadence": "annual", "categories": [ "car_rental" ], "note": "$25 + $25 (1st and 2nd rental) delivered as United TravelBank cash, up to $50 per anniversary year", "resetsOn": "anniversary" }, { "id": "united_explorer-instacart-credit", "label": "Instacart credit", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "groceries" ], "enrollmentRequired": true, "note": "Requires activating complimentary Chase Instacart+ membership (3 months, then discounted); benefits end 12/31/2027", "endsOn": "2027-12-31" }, { "id": "united_explorer-jsx-credit", "label": "JSX credit", "amount": 100, "period": "year", "cadence": "annual", "categories": [ "flights" ], "note": "Statement credit up to $100 per anniversary year", "resetsOn": "anniversary" } ], "perks": [ "First standard checked bag free for primary Cardmember and one companion (90-day waiver on ticket-purchase requirement after account opening)", "Priority boarding (before general boarding, after Premier members/Premier Access/special assistance)", "Earn 1 PQP per $20 spent, up to 1,000 PQP per calendar year", "2 United Club one-time passes deposited after account opening and each account anniversary", "10,000-mile award flight discount after $20,000 calendar-year spend (limit 1/year)", "10% (15% for Premier members) discount on award flights booked with miles", "25% back statement credit on inflight food/beverage/Wi-Fi and United Club premium drink purchases (uncapped)", "No blackout dates on United-operated award flights" ], "signup": { "bonusPoints": 60000, "spendReq": 3000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/travel-credit-cards/united/united-explorer", "https://www.nerdwallet.com/credit-cards/reviews/united-explorer" ], "conversionNotes": [ "Duplicate flights rates published (9x and 3x); using the lower rate \u2014 the higher tier is usually condition-bound.", "One-time credit not modelled: Global Entry / TSA PreCheck / NEXUS fee credit ($120)." ], "country": "US", "officialUrl": "https://creditcards.chase.com/travel-credit-cards/united/united-explorer" }, { "id": "chase_disney_inspire_visa", "name": "Disney Inspire Visa Card", "issuer": "Chase", "network": "Visa", "currency": "CASH", "annualFee": 149, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "streaming", "rate": 10, "note": "Disney+ / Hulu / ESPN only: purchases made directly at DisneyPlus.com, Hulu.com or Stream.ESPN.com (subscriptions, add-ons, Premier Access, pay-per-view); not other streaming services, third-party platforms or cable bundles", "portalOnly": true, "brand": "Disney+, Hulu and ESPN" }, { "category": "groceries", "rate": 2 }, { "category": "dining", "rate": 2, "note": "Restaurants, including takeout and eligible delivery (excludes Disney-location dining, which earns 3%)" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "chase_disney_inspire_visa-disney-resort-cruise-line-spend-bo", "label": "Disney Resort & Cruise Line spend bonus", "amount": 200, "period": "year", "cadence": "annual", "categories": [ "hotels" ], "note": "Paid as 200 Disney Rewards Dollars automatically applied to the account, not a cash statement credit; excludes Adventures by Disney, National Geographic Expeditions, international resorts, and standalone theme park ticke" }, { "id": "chase_disney_inspire_visa-disney-theme-park-ticket-spend-cre", "label": "Disney Theme Park ticket spend credit", "amount": 100, "period": "year", "cadence": "annual", "categories": [ "streaming" ], "note": "Tickets purchased as part of a Disney vacation package do not qualify" }, { "id": "chase_disney_inspire_visa-disney-hulu-espn-streaming-credit", "label": "Disney+/Hulu/ESPN+ streaming credit", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "streaming" ], "enrollmentRequired": true, "note": "Requires activation each calendar year on chase.com, the Chase app, or by phone; an annual subscription only earns one $10 credit in its purchase month" }, { "id": "chase_disney_inspire_visa-doordash-non-restaurant-order-disc", "label": "DoorDash non-restaurant order discount", "amount": 40, "period": "year", "cadence": "quarterly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "Requires activating complimentary 12-month DashPass membership (activation window through 12/31/2027) using this card; DashPass auto-renews at the then-current monthly rate after the free year unless canceled", "endsOn": "2027-12-31" } ], "perks": [ "Complimentary 12-month DashPass membership (DoorDash/Caviar) when activated by 12/31/2027; auto-renews at then-current rate unless canceled", "Choice of Disney-themed card designs, changeable anytime after account opening", "Disney Parks Cardmember photo opportunities (Disney and Star Wars photo ops) with complimentary Disney PhotoPass downloads", "0% promotional APR for 6 months on select Disney vacation packages, variable APR thereafter", "Pay Yourself Back: redeem Disney Rewards Dollars for a statement credit toward purchases at most U.S. Disney locations, Disney sites (incl. DisneyStore.com, DisneyPlus.com, Hulu.com, Stream.ESPN.com) and airline tickets, within 90 days of purchase; no blackout dates", "No foreign transaction fees" ], "signup": { "bonusPoints": 50000, "spendReq": 1000, "months": 3, "note": "$500 offer: a $300 Disney gift card on approval plus a $200 statement credit after $1,000 in 3 months; encoded as 50,000 CASH points at 1 cent each", "offerVerifiedDate": "2026-09-14", "checkNote": "Offer is a $300 gift card plus a $200 credit; we encode the $500 total, so no single figure matches the page. `npm run offer-check-browser` reads it." }, "verifiedDate": "2026-09-03", "sources": [ "https://disneyrewards.com/", "https://creditcards.chase.com/rewards-credit-cards/disney/inspire", "https://creditcards.chase.com/rewards-credit-cards/disney" ], "conversionNotes": [ "Brand-specific 3pct rate not mapped to a category." ], "country": "US", "officialUrl": "https://creditcards.chase.com/rewards-credit-cards/disney/inspire" }, { "id": "southwest_rr_premier", "name": "Southwest Rapid Rewards Premier Card", "issuer": "Chase", "network": "Visa", "currency": "SOUTHWEST_RR", "annualFee": 149, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 3, "note": "Southwest only: Southwest Airlines purchases; not other airlines", "portalOnly": true, "brand": "Southwest" }, { "category": "groceries", "rate": 2, "cap": 8000, "capPeriod": "year", "note": "Grocery stores; shares a combined $8,000/anniversary-year cap with restaurants. Issuer terms: \"Earn 2 points for each dollar spent at grocery stores and restaurants on the first $8,000 in combined purchases per anniversary year.\"", "capGroup": "grocery_dining" }, { "category": "dining", "rate": 2, "cap": 8000, "capPeriod": "year", "note": "Restaurants; shares a combined $8,000/anniversary-year cap with grocery stores. Issuer terms: \"Earn 2 points for each dollar spent at grocery stores and restaurants on the first $8,000 in combined purchases per anniversary year.\"", "capGroup": "grocery_dining" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "southwest_rr_premier-dashpass-doordash-credit", "label": "DashPass DoorDash credit", "amount": 40, "period": "year", "cadence": "quarterly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "Up to $10 off quarterly on non-restaurant DoorDash orders through 12/31/2027; requires DashPass activation by 12/31/2027", "endsOn": "2027-12-31" } ], "perks": [ "First checked bag free for cardmember and up to 8 additional passengers on the same reservation", "6,000 anniversary bonus points each year on cardmember anniversary", "15% flight discount promo code each cardmember anniversary year (excludes Basic fare)", "10,000 Companion Pass qualifying points boost each calendar year", "Points earned on card purchases count toward Southwest Companion Pass qualification", "25% back on inflight purchases", "No foreign transaction fees", "Standard or Preferred seat selection within 48 hours of departure, when available, for cardmember and up to 8 additional passengers on the same reservation (for flights operating in 2026)" ], "signup": { "bonusPoints": 55000, "spendReq": 1500, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/travel-credit-cards/southwest/premier", "https://media.chase.com/news/chase-southwest-introduce-new-card-benefits", "https://www.chase.com/personal/credit-cards/southwest-aau" ], "country": "US", "officialUrl": "https://creditcards.chase.com/travel-credit-cards/southwest/premier" }, { "id": "chase_ihg_one_rewards_premier", "name": "IHG One Rewards Premier Credit Card", "issuer": "Chase", "network": "Mastercard", "currency": "IHG", "annualFee": 99, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 10, "note": "IHG only: IHG Hotels & Resorts; total up to 26x when combined with up to 10x IHG One Rewards membership bonus and up to 6x automatic Platinum Elite bonus; not other hotel brands", "portalOnly": true, "brand": "IHG" }, { "category": "travel", "rate": 5, "note": "travel purchases, excluding stays at IHG-participating hotels" }, { "category": "gas", "rate": 5 }, { "category": "dining", "rate": 5, "note": "restaurants, including takeout and eligible delivery" }, { "category": "*", "rate": 3 } ], "credits": [ { "id": "chase_ihg_one_rewards_premier-calendar-year-spend-statement-cred", "label": "Calendar-year spend statement credit", "amount": 100, "period": "year", "cadence": "annual", "categories": [], "note": "Requires $20,000+ in purchases in the calendar year; also pays 10,000 bonus points (points value not included in annual_value)", "automatic": true }, { "id": "chase_ihg_one_rewards_premier-united-travelbank-cash", "label": "United TravelBank Cash", "amount": 50, "period": "year", "cadence": "semiannual", "categories": [ "travel", "travel_portal" ], "enrollmentRequired": true, "note": "Requires one-time registration at ihg.com/united and a United MileagePlus account; $25 deposited on/about Jan 5 and $25 on/about July 5 each year; each deposit expires within roughly 6 months if unused" }, { "id": "chase_ihg_one_rewards_premier-doordash-non-restaurant-order-disc", "label": "DoorDash non-restaurant order discount", "amount": 40, "period": "year", "cadence": "quarterly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "Requires activating complimentary DashPass membership; promotional benefit through 12/31/2027", "endsOn": "2027-12-31" }, { "id": "chase_ihg_one_rewards_premier-instacart-credit", "label": "Instacart credit", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "groceries" ], "enrollmentRequired": true, "note": "Requires an active Instacart+ membership (3 months complimentary, then $99/yr unless canceled); promotional benefit through 12/31/2027", "endsOn": "2027-12-31" } ], "perks": [ "Automatic IHG One Rewards Platinum Elite status while cardmember", "Redeem 3 reward nights, get the 4th reward night free on IHG award stays (unlimited uses annually)", "IHG One Rewards Diamond Elite Status after $40,000+ in calendar-year purchases, through Dec 31 of the following year", "Global Entry, TSA PreCheck, or NEXUS application fee statement credit, up to $120, once every four years (cadence doesn't map to this schema's credit cadence options, so it is listed here rather than in credits)", "Baggage delay insurance: up to $100/day for 5 days", "Lost luggage reimbursement (NY residents limited to $2,000/bag, $10,000/trip)", "Purchase protection: 120 days from purchase, up to $500 per item", "Trip cancellation and interruption insurance" ], "signup": { "bonusPoints": 140000, "spendReq": 3000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier", "https://creditcards.chase.com/travel-credit-cards/ihg", "https://www.nerdwallet.com/credit-cards/reviews/ihg-credit-card" ], "country": "US", "officialUrl": "https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier" }, { "id": "southwest_rr_plus", "name": "Southwest Rapid Rewards Plus Card", "issuer": "Chase", "network": "Visa", "currency": "SOUTHWEST_RR", "annualFee": 99, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 2, "note": "Southwest only: Southwest Airlines purchases; not other airlines", "portalOnly": true, "brand": "Southwest" }, { "category": "gas", "rate": 2, "cap": 5000, "capPeriod": "year", "note": "Gas stations; shares a combined $5,000/anniversary-year cap with grocery stores. Issuer terms: \"Earn 2 points for each dollar spent at gas stations and grocery stores on the first $5,000 in combined purchases per anniversary year.\"", "capGroup": "gas_grocery" }, { "category": "groceries", "rate": 2, "cap": 5000, "capPeriod": "year", "note": "Grocery stores; shares a combined $5,000/anniversary-year cap with gas stations. Issuer terms: \"Earn 2 points for each dollar spent at gas stations and grocery stores on the first $5,000 in combined purchases per anniversary year.\"", "capGroup": "gas_grocery" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "southwest_rr_plus-dashpass-doordash-credit", "label": "DashPass DoorDash credit", "amount": 40, "period": "year", "cadence": "quarterly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "Up to $10 off quarterly on non-restaurant DoorDash orders through 12/31/2027; requires DashPass activation by 12/31/2027", "endsOn": "2027-12-31" } ], "perks": [ "First checked bag free for cardmember and up to 8 additional passengers on the same reservation", "3,000 anniversary bonus points each year on cardmember anniversary", "10% flight discount promo code each cardmember anniversary year (excludes Basic fare)", "10,000 Companion Pass qualifying points boost each calendar year", "Points earned on card purchases count toward Southwest Companion Pass qualification", "25% back on inflight purchases", "No foreign transaction fees", "Standard seat selection within 48 hours of departure, when available, for cardmember and up to 8 additional passengers on the same reservation (for flights operating in 2026)" ], "signup": { "bonusPoints": 50000, "spendReq": 1000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/travel-credit-cards/southwest/plus", "https://media.chase.com/news/chase-southwest-introduce-new-card-benefits", "https://www.chase.com/personal/credit-cards/southwest-aau" ], "country": "US", "officialUrl": "https://creditcards.chase.com/travel-credit-cards/southwest/plus" }, { "id": "chase_aer_lingus_visa_signature", "name": "Aer Lingus Visa Signature Card", "issuer": "Chase", "network": "Visa", "currency": "AVIOS", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 3, "note": "Aer Lingus, British Airways, Iberia and LEVEL only: flight purchases made directly with Aer Lingus, British Airways, Iberia, and LEVEL; not other airlines", "portalOnly": true, "brand": "Aer Lingus, British Airways, Iberia and LEVEL" }, { "category": "hotels", "rate": 2, "note": "Hotel accommodations booked directly with the hotel" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "chase_aer_lingus_visa_signature-dashpass-doordash-credit", "label": "DashPass DoorDash credit", "amount": 40, "period": "year", "cadence": "quarterly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "Up to $10 off quarterly on non-restaurant DoorDash orders through 12/31/2027; requires DashPass activation by 12/31/2027", "endsOn": "2027-12-31" } ], "perks": [ "Economy Companion Ticket: earned every calendar year the cardmember spends $30,000; valid 12 months from issue; no cash or Avios value; booked via email with Aer Lingus; travel must originate/return to the US on Aer Lingus-operated US-Ireland flights only", "Priority Boarding on Aer Lingus-operated flights between the US and Ireland for the primary cardmember and any authorized users (must show card at gate)", "No foreign transaction fees", "Baggage Delay Insurance: up to $100/day for 3 days", "Purchase Protection: up to $500/item for 120 days (90 days for NY residents)", "Lost Luggage Reimbursement: up to $3,000 per covered traveler", "Extended Warranty Protection: +1 year on eligible warranties of 3 years or less", "Avios earned automatically transfer to Aer Lingus AerClub after each billing cycle; card use counts as AerClub program activity, helping keep Avios from expiring" ], "signup": { "bonusPoints": 75000, "spendReq": 5000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/travel-credit-cards/avios/aer-lingus" ], "country": "US", "officialUrl": "https://creditcards.chase.com/travel-credit-cards/avios/aer-lingus" }, { "id": "chase_aeroplan", "name": "Aeroplan Card", "issuer": "Chase", "network": "Mastercard", "currency": "AEROPLAN", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 3, "note": "Air Canada only: purchases made directly with Air Canada (excludes gift cards, car rentals, hotel bookings/third-party products via aircanada.com, and onboard Wi-Fi); not other airlines", "portalOnly": true, "brand": "Air Canada" }, { "category": "groceries", "rate": 3, "note": "Grocery stores" }, { "category": "dining", "rate": 3, "note": "Restaurants, including takeout and eligible delivery services" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "chase_aeroplan-dashpass-doordash-credit", "label": "DashPass DoorDash credit", "amount": 40, "period": "year", "cadence": "quarterly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "Up to $10 off quarterly on non-restaurant DoorDash orders through 12/31/2027; requires DashPass activation by 12/31/2027", "endsOn": "2027-12-31" } ], "perks": [ "Free first checked bag (up to 50lb) for primary cardmember and up to 8 companions on the same reservation, on Air Canada/Air Canada Rouge/Air Canada Express flights", "Automatic Aeroplan 25K Elite Status for remainder of the year opened plus the following calendar year; maintained with $15,000 spend/calendar year", "Aeroplan 35K Status after $75,000 spend in a calendar year", "Up to 25,000 Status Qualifying Credits (SQC) per year (5,000 bonus, +10,000 at $25,000 spend, +10,000 at $50,000 spend); SQC do not count toward redemption, only elite qualification", "Preferred (lower) points pricing on Air Canada flight redemptions for primary cardmember", "Redeem every seat on every Air Canada flight, no blackout dates; redemptions start at 6,000 points; stopovers for 5,000 points", "Pay Yourself Back: redeem Aeroplan points as a statement credit against travel, dining, grocery, and gas purchases posted within the last 90 days", "10% bonus Aeroplan points (up to 25,000/year) when transferring 50,000+ Chase Ultimate Rewards points in a single transaction from an eligible Chase UR card" ], "signup": { "bonusPoints": 75000, "spendReq": 4000, "months": 3, "note": "Headline is 'up to 115,000': 75,000 after $4,000 in 3 months, plus 40,000 more after $20,000 in the first 12 months. The figure here is the first tier.", "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/travel-credit-cards/aircanada/aeroplan" ], "conversionNotes": [ "One-time credit not modelled: Global Entry / TSA PreCheck / NEXUS fee credit ($120)." ], "country": "US", "officialUrl": "https://creditcards.chase.com/travel-credit-cards/aircanada/aeroplan" }, { "id": "chase_british_airways_visa_signature", "name": "British Airways Visa Signature Card", "issuer": "Chase", "network": "Visa", "currency": "AVIOS", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 3, "note": "British Airways, Aer Lingus, Iberia and LEVEL only: flight purchases made directly with British Airways, Aer Lingus, Iberia, and LEVEL; not other airlines", "portalOnly": true, "brand": "British Airways, Aer Lingus, Iberia and LEVEL" }, { "category": "hotels", "rate": 2, "note": "Hotel accommodations booked directly with the hotel" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "chase_british_airways_visa_signature-dashpass-doordash-credit", "label": "DashPass DoorDash credit", "amount": 40, "period": "year", "cadence": "quarterly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "Up to $10 off quarterly on non-restaurant DoorDash orders through 12/31/2027; requires DashPass activation by 12/31/2027", "endsOn": "2027-12-31" } ], "conditionalCredits": [ { "id": "chase_british_airways_visa_signature-reward-flight-statement-credits", "label": "Reward Flight Statement Credits", "amount": 600, "period": "year", "cadence": "annual", "categories": [ "flights" ], "note": "$100 statement credit per booking in economy/premium economy, or $200 in business/first; up to 3 bookings and $600 total per calendar year", "conditional": true, "gate": "$100 economy / $200 business per qualifying BA-operated transatlantic AWARD booking, maximum 3 per year. Requires redeeming Avios, not ordinary spend." } ], "perks": [ "Travel Together Ticket: earned every calendar year the cardmember spends $30,000; valid 2 years; lets a companion redeem an Avios reward flight for free (taxes/fees still apply) or gives 50% off Avios needed for a solo reward flight \u2014 no dollar face value", "10% off British Airways flights departing the US, booked via the ba.com/Chase10 promo portal", "Ability to pay taxes, fees, and carrier charges on Avios reward flights using Avios", "Oneworld alliance redemption access to Alaska, American, Aer Lingus, Cathay Pacific, Finnair, Iberia, Japan Airlines, LEVEL, Malaysia Airlines, Qantas, Qatar Airways, Royal Jordanian, Royal Air Maroc", "No foreign transaction fees", "Baggage Delay Insurance: up to $100/day for 3 days", "Purchase Protection: up to $500/item for 120 days (90 days for NY residents)", "Lost Luggage Reimbursement: up to $3,000 per covered traveler" ], "signup": { "bonusPoints": 75000, "spendReq": 5000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/travel-credit-cards/avios/british-airways" ], "country": "US", "officialUrl": "https://creditcards.chase.com/travel-credit-cards/avios/british-airways" }, { "id": "chase_sapphire_preferred", "name": "Chase Sapphire Preferred", "issuer": "Chase", "network": "Visa", "currency": "UR", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 5, "note": "Chase Travel purchases (excludes FROSCH/Valerie Wilson Travel bookings, which earn 2x)" }, { "category": "dining", "rate": 3, "note": "Dining at restaurants, including takeout and eligible delivery" }, { "category": "gas", "rate": 3, "note": "Gas stations" }, { "category": "ev_charging", "rate": 3 }, { "category": "travel", "rate": 2, "note": "All other travel purchases not booked through Chase Travel" }, { "category": "streaming", "rate": 3, "note": "Top streaming services; exclusions apply" }, { "category": "groceries", "rate": 3, "note": "Online grocery purchases (not in-store); excludes Target, Walmart, and wholesale clubs" }, { "category": "rideshare", "rate": 5, "note": "Lyft rides through 9/30/2027 (total points, includes base 2x travel rate)", "portalOnly": true, "brand": "Lyft" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "chase_sapphire_preferred-chase-travel-hotel-credit", "label": "Chase Travel Hotel Credit", "amount": 100, "period": "year", "cadence": "annual", "categories": [ "hotels" ], "note": "Doubled from $50 in the June 2026 refresh; qualifying purchases do not earn points" }, { "id": "chase_sapphire_preferred-doordash-monthly-promo", "label": "DoorDash monthly promo", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "$10/month DashPass member promo through 12/31/2027; requires active DashPass enrollment", "endsOn": "2027-12-31" } ], "perks": [ "Complimentary DashPass membership, 12 months, ~$120 value, activate by 12/31/2027", "Complimentary Apple TV, 12 months (~$156 value), one-time activation required by 12/31/2026", "Trip Cancellation and Interruption Insurance, up to $10,000/traveler and $20,000/trip", "Baggage Delay Insurance, up to $100/day for 5 days", "Travel and Emergency Assistance", "Roadside Assistance", "Purchase Protection, up to $500/item, 120 days", "Auto Rental Coverage, primary, up to $60,000 for vehicles with MSRP $125,000 or less" ], "signup": { "bonusPoints": 75000, "spendReq": 5000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-09-03", "sources": [ "https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred" ], "conversionNotes": [ "Brand-specific 5x rate not mapped to a category.", "Duplicate travel rates published (3x and 2x); using the lower rate \u2014 the higher tier is usually condition-bound.", "One-time credit not modelled: Global Entry / TSA PreCheck / NEXUS credit ($120)." ], "country": "US", "officialUrl": "https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred", "shortName": "Sapphire Preferred" }, { "id": "chase_iberia_visa_signature", "name": "Iberia Visa Signature Card", "issuer": "Chase", "network": "Visa", "currency": "AVIOS", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 3, "note": "Iberia, British Airways, Aer Lingus and LEVEL only: flight purchases made directly with Iberia, British Airways, Aer Lingus, and LEVEL; not other airlines", "portalOnly": true, "brand": "Iberia, British Airways, Aer Lingus and LEVEL" }, { "category": "hotels", "rate": 2, "note": "Hotel accommodations booked directly with the hotel" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "chase_iberia_visa_signature-dashpass-doordash-credit", "label": "DashPass DoorDash credit", "amount": 40, "period": "year", "cadence": "quarterly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "Up to $10 off quarterly on non-restaurant DoorDash orders through 12/31/2027; requires DashPass activation by 12/31/2027", "endsOn": "2027-12-31" } ], "conditionalCredits": [ { "id": "chase_iberia_visa_signature-iberia-airfare-discount-voucher", "label": "Iberia Airfare Discount Voucher", "amount": 1000, "period": "year", "cadence": "annual", "categories": [ "flights" ], "note": "$1,000 discount voucher toward two tickets on the same Iberia flight, earned each calendar year the cardmember spends $30,000; delivered as a discount code (not a plain statement credit), valid 12 months from issue", "conditional": true, "gate": "Requires $30,000 in posted spend in a calendar year. Issued as a discount voucher, not a statement credit; expires 12 months after issue; primary cardmember must travel." } ], "perks": [ "10% discount on Iberia mainline flight fares booked via iberia.com/Chase10 (flight fare only; taxes/fees excluded)", "No foreign transaction fees", "Baggage Delay Insurance: up to $100/day for 3 days", "Purchase Protection: up to $500/item for 120 days (90 days for NY residents)", "Lost Luggage Reimbursement: up to $3,000 per covered traveler", "Extended Warranty Protection: +1 year on eligible warranties of 3 years or less", "Avios earned automatically transfer to Iberia Plus after each billing cycle; card use counts as Iberia Plus program activity, helping keep Avios from expiring", "One year complimentary DashPass (DoorDash/Caviar) membership tied to the DashPass credit offer, through Dec 31, 2027" ], "signup": { "bonusPoints": 75000, "spendReq": 5000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/travel-credit-cards/avios/iberia" ], "country": "US", "officialUrl": "https://creditcards.chase.com/travel-credit-cards/avios/iberia" }, { "id": "chase_marriott_bonvoy_boundless", "name": "Marriott Bonvoy Boundless\u00ae Credit Card", "shortName": "Marriott Bonvoy Boundless\u00ae", "issuer": "Chase", "network": "Visa", "currency": "MARRIOTT", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 6, "note": "Marriott only: Marriott Bonvoy hotel spend (card-level rate only); combined with up to 10X for Bonvoy membership and up to 1X for Silver Elite status, total can reach up to 17X per Chase's marketing; not other hotel brands", "portalOnly": true, "brand": "Marriott" }, { "category": "groceries", "rate": 3, "cap": 6000, "capPeriod": "year", "note": "combined annual cap of $6,000 shared with gas station and dining purchases; 2X thereafter (folded into OTHER rate). Issuer terms: \"Earn 3X points total for each $1 of the first $6,000 spent annually on combined purchases in the following rewards categories: gas stations; grocery stores; dining at restaurants including takeout and eligible delivery services.\"", "capGroup": "everyday" }, { "category": "gas", "rate": 3, "cap": 6000, "capPeriod": "year", "note": "combined annual cap of $6,000 shared with grocery and dining purchases; 2X thereafter. Issuer terms: \"Earn 3X points total for each $1 of the first $6,000 spent annually on combined purchases in the following rewards categories: gas stations; grocery stores; dining at restaurants including takeout and eligible delivery services.\"", "capGroup": "everyday" }, { "category": "dining", "rate": 3, "cap": 6000, "capPeriod": "year", "note": "combined annual cap of $6,000 shared with grocery and gas purchases; 2X thereafter. Issuer terms: \"Earn 3X points total for each $1 of the first $6,000 spent annually on combined purchases in the following rewards categories: gas stations; grocery stores; dining at restaurants including takeout and eligible delivery services.\"", "capGroup": "everyday" }, { "category": "*", "rate": 2 } ], "credits": [ { "id": "chase_marriott_bonvoy_boundless-airline-statement-credit", "label": "Airline statement credit", "amount": 100, "period": "year", "cadence": "semiannual", "categories": [ "flights" ], "enrollmentRequired": true, "note": "Special/promotional offer: $50 back after spending $250+ direct with an airline Jan 1-Jun 30, and another $50 after spending $250+ Jul 1-Dec 31; up to $100/year total. Extended through 6/30/2027. Existing cardmembers (as", "endsOn": "2027-06-30" } ], "perks": [ "Automatic Marriott Bonvoy Silver Elite status each calendar year", "15 Elite Night Credits deposited annually (on or before March 1)", "Additional 1 Elite Night Credit for every $5,000 spent, uncapped", "Path to Gold Elite Status: earn Gold Elite after $35,000 in purchases in a calendar year (25% Elite Bonus Points, 2pm late checkout, enhanced room upgrades)", "10% Elite Bonus Points on stays as Silver Elite", "Complimentary Wi-Fi at participating Marriott Bonvoy hotels", "No foreign transaction fees", "Auto rental collision/theft coverage (secondary in the U.S.)" ], "signup": { "bonusPoints": 150000, "spendReq": 3000, "months": 3, "note": "Three Free Night Awards after $3,000 in 3 months, each good at properties up to 50,000 points a night; encoded at that ceiling (150,000). Actual value depends on the hotel you pick.", "offerVerifiedDate": "2026-09-11", "checkNote": "Offer is three Free Night Awards; we encode their 150,000-point ceiling, so no figure on the page can match. Read it yourself." }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless", "https://marriott.chase.com/boundless/benefits", "https://marriott.chase.com/boundless/earn-redeem", "https://www.doctorofcredit.com/chase-marriott-bonvoy-boundless-cards-2026-get-up-to-100-back-on-airline-purchases-50-off-250-twice/" ], "country": "US", "officialUrl": "https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless" }, { "id": "chase_world_of_hyatt", "name": "World of Hyatt Credit Card", "issuer": "Chase", "network": "Visa", "currency": "HYATT", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 4, "note": "Hyatt only: Hyatt hotels and resorts; total up to 9x per $1 when combined with up to 5x base points earned from Hyatt for World of Hyatt membership; not other hotel brands", "portalOnly": true, "brand": "Hyatt" }, { "category": "dining", "rate": 2, "note": "restaurants" }, { "category": "flights", "rate": 2, "note": "airline tickets purchased directly from the airline" }, { "category": "transit", "rate": 2, "note": "local transit and commuting" }, { "category": "fitness", "rate": 2, "note": "fitness club and gym memberships" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Automatic World of Hyatt Discoverist elite status for as long as the account is open", "5 World of Hyatt Tier-Qualifying Night credits automatically every calendar year toward elite status", "2 additional Tier-Qualifying Night credits for every $5,000 in purchases, no annual limit", "Free Night Award every cardmember anniversary at any Category 1-4 Hyatt hotel or resort (capped by hotel category tier, not a points redemption cap, so it does not fit this schema's free_night_certificate point_cap shape \u2014 described here instead)", "Additional Category 1-4 Free Night Award after $15,000 in purchases in a calendar year", "No foreign transaction fees", "Baggage delay insurance: up to $100/day for up to 5 days", "Lost luggage reimbursement (NY residents limited to $2,000/bag, $10,000/trip)" ], "signup": { "bonusPoints": 30000, "spendReq": 3000, "months": 3, "note": "Headline is 'up to 60,000': 30,000 after $3,000 in 3 months, plus up to 30,000 more via 2 points per $1 on the first $15,000 spent in 6 months. The figure here is the guaranteed part.", "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/travel-credit-cards/world-of-hyatt-credit-card", "https://creditcards.chase.com/travel-credit-cards/world-of-hyatt", "https://www.nerdwallet.com/credit-cards/reviews/world-of-hyatt" ], "country": "US", "officialUrl": "https://creditcards.chase.com/travel-credit-cards/world-of-hyatt-credit-card" }, { "id": "chase_disney_premier_visa", "name": "Disney Premier Visa Card", "issuer": "Chase", "network": "Visa", "currency": "CASH", "annualFee": 49, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "streaming", "rate": 5, "note": "Disney+ / Hulu / ESPN only: purchases made directly at DisneyPlus.com, Hulu.com or Stream.ESPN.com (subscriptions, Premier Access, add-ons, pay-per-view); not other streaming services or bundles", "portalOnly": true, "brand": "Disney+, Hulu and ESPN" }, { "category": "groceries", "rate": 2 }, { "category": "dining", "rate": 2, "note": "Restaurants, including takeout and eligible delivery" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "chase_disney_premier_visa-doordash-non-restaurant-order-disc", "label": "DoorDash non-restaurant order discount", "amount": 40, "period": "year", "cadence": "quarterly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "Requires activating complimentary 12-month DashPass membership (2/1/2025-12/31/2027 activation window) using this card; DashPass auto-renews at then-current monthly rate after the free year unless canceled." } ], "perks": [ "10% off select merchandise at Disney Store, DisneyStore.com, and select locations at Disneyland Resort and Walt Disney World Resort", "10% off select dining locations most days at Disneyland Resort and Walt Disney World Resort", "10% off select merchandise onboard Disney Cruise Line", "Pay Yourself Back: redeem Disney Rewards Dollars for a statement credit toward airline purchases made directly with any airline (no blackout dates), within 90 days of purchase", "Disney Parks Cardmember photo opportunities with complimentary Disney PhotoPass downloads", "0% promotional APR for 6 months on select Disney vacation packages, variable APR thereafter", "12 months complimentary DashPass membership (DoorDash/Caviar), auto-renews at then-current rate unless canceled", "Choice of Disney-themed card designs, changeable anytime" ], "welcomeBonusText": "$200 Disney Gift Card eGift instantly upon approval, plus a $100 statement credit after spending $500 on purchases in the first 3 months from account opening (marketed as a $300 offer)", "verifiedDate": "2026-09-03", "sources": [ "https://disneyrewards.com/", "https://creditcards.chase.com/rewards-credit-cards/disney/premier", "https://www.nerdwallet.com/credit-cards/reviews/disney-premier-visa" ], "conversionNotes": [ "Brand-specific 2pct rate not mapped to a category." ], "country": "US", "officialUrl": "https://creditcards.chase.com/rewards-credit-cards/disney/premier" }, { "id": "chase_amazon_visa", "name": "Amazon Visa", "issuer": "Chase", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "online_retail", "rate": 3, "note": "Brand: Amazon only. Amazon.com (incl. digital downloads, gift cards, Prime subscriptions, 3rd-party marketplace items) and Audible.com; unlimited, no Prime membership required. Not other online retailers", "portalOnly": true, "brand": "Amazon" }, { "category": "groceries", "rate": 3, "note": "Brand: Whole Foods Market (U.S. stores and wholefoodsmarket.com) and Amazon Fresh only; not other grocery stores", "portalOnly": true, "brand": "Whole Foods Market and Amazon Fresh" }, { "category": "travel_portal", "rate": 3, "note": "Chase Travel purchases; unlimited. Not earned on purchases made directly with airline/hotel/car rental/cruise suppliers" }, { "category": "gas", "rate": 2, "note": "Unlimited" }, { "category": "dining", "rate": 2, "note": "Restaurants; unlimited" }, { "category": "transit", "rate": 2, "note": "Local transit and commuting, including rideshare; unlimited" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "No foreign transaction fees", "Redeem rewards as points at Amazon.com checkout as soon as the next day, no minimum balance to redeem; can also redeem for cash, gift cards, or travel at chase.com", "Extended Warranty Protection (+1 year on eligible warranties of 3 years or less, up to 4 years from purchase)", "Purchase Protection (120 days, up to $500/item)", "Baggage Delay Insurance (up to $100/day for 3 days)", "Zero Liability Protection", "Travel Accident Insurance (up to $500,000 AD&D when travel fare is charged to the card)", "Lost Luggage Reimbursement (up to $3,000 per covered traveler)" ], "welcomeBonusText": "$50 Amazon Gift Card loaded instantly into the cardholder's Amazon.com account Gift Card Balance upon approval (not spend-based); only available to applicants who do not currently hold an Amazon Visa or Prime Visa", "verifiedDate": "2026-09-03", "sources": [ "https://www.amazon.com/amazonvisa", "https://creditcards.chase.com/cash-back-credit-cards/amazon-rewards", "https://creditcards.chase.com/cash-back-credit-cards/amazon" ], "country": "US", "officialUrl": "https://creditcards.chase.com/cash-back-credit-cards/amazon-rewards" }, { "id": "chase_freedom_flex", "name": "Chase Freedom Flex", "issuer": "Chase", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "ROTATING", "rate": 5, "cap": 1500, "capPeriod": "quarter", "note": "Quarterly rotating categories, must activate each quarter; $1,500 is the QUARTERLY cap. 2026Q3 = gas stations & EV charging, public transit, select live entertainment, and United Way donations (the donation line has no category in this taxonomy and is intentionally not encoded). 2026Q4 (Oct 1 - Dec 31, activate by Dec 14, 2026) = dining and grocery stores excluding Walmart and Target, plus American Red Cross donations (not encoded, same reason), read on chasebonus.com 2026-09-15.", "rotating": true, "quarters": { "2026Q3": [ "gas", "ev_charging", "transit", "entertainment" ], "2026Q4": [ "dining", "groceries" ] }, "quartersAnnouncedThrough": "2026Q4" }, { "category": "travel_portal", "rate": 5, "note": "Travel purchased through Chase Travel" }, { "category": "dining", "rate": 3, "note": "Dining at restaurants, including takeout and eligible delivery" }, { "category": "drugstores", "rate": 3 }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "World Elite Mastercard benefits (Lyft, Instacart, Peacock, and other merchant partners)", "Purchase Protection, up to $500/item, 120 days", "Extended Warranty Protection (+1 year on eligible warranties of 3 years or less)", "Trip Cancellation and Interruption Insurance, up to $1,500/traveler and $6,000/trip", "24/7 fraud monitoring", "Rewards don't expire as long as account is open" ], "welcomeBonusText": "$200 bonus after $500 spend in first 3 months", "verifiedDate": "2026-09-15", "sources": [ "https://media.chase.com/news/chase-freedom-2026-q3-categories", "https://www.chase.com/personal/credit-cards/freedom/flex", "https://creditcards.chase.com/cash-back-credit-cards/freedom/flex", "https://www.cnbc.com/select/chase-freedom-cash-back-calendar/", "https://www.chasebonus.com/" ], "country": "US", "signup": { "bonusPoints": 20000, "spendReq": 500, "months": 3, "note": "$200 bonus encoded as 20,000 CASH points at 1 cent each", "offerVerifiedDate": "2026-09-14" }, "officialUrl": "https://creditcards.chase.com/cash-back-credit-cards/freedom/flex", "shortName": "Freedom Flex" }, { "id": "chase_freedom_rise", "name": "Chase Freedom Rise", "issuer": "Chase", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "dining", "rate": 3, "cap": 500, "capPeriod": "month", "note": "Limited-time new-cardmember offer: total 3% (1.5% base + 1.5% additional) on dining incl. takeout/delivery, on up to $6,000 spend within first 6 months from account opening" }, { "category": "rideshare", "rate": 2, "note": "Lyft purchases through 9/30/2027 (total, includes 1.5% base)", "portalOnly": true, "brand": "Lyft" }, { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "Chase Credit Journey free credit score and identity monitoring", "Automatic evaluation for credit limit increase as soon as 6 months", "Automatic upgrade evaluation to Chase Freedom Unlimited after 12 months of on-time payments and card usage", "Zero Liability Protection", "Purchase Protection, up to $500/item, 120 days", "Extended Warranty Protection (+1 year on eligible warranties of 3 years or less)", "Trip Cancellation and Interruption Insurance, up to $1,500/traveler and $6,000/trip", "24/7 fraud monitoring" ], "welcomeBonusText": "No traditional cash sign-up bonus. $25 statement credit for enrolling in automatic payments (first 3 months, must stay enrolled 90 days). Limited-time: additional 1.5% cash back (3% total) on dining, up to $6,000 spend, in first 6 months.", "verifiedDate": "2026-08-21", "sources": [ "https://www.chase.com/personal/credit-cards/freedom/rise", "https://creditcards.chase.com/cash-back-credit-cards/freedom/rise" ], "conversionNotes": [ "One-time credit not modelled: Autopay enrollment credit ($25)." ], "country": "US", "officialUrl": "https://www.chase.com/personal/credit-cards/freedom/rise" }, { "id": "chase_freedom_student", "name": "Chase Freedom Student", "issuer": "Chase", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "personal", "status": "discontinued", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 1 } ], "credits": [ { "id": "chase_freedom_student-good-standing-anniversary-bonus", "label": "Good-standing anniversary bonus", "amount": 20, "period": "year", "cadence": "annual", "categories": [], "note": "Reported to pay $20 each account anniversary, for up to 5 years, while account is in good standing; unconfirmed whether still honored for legacy accounts", "automatic": true, "resetsOn": "anniversary" } ], "perks": [ "Chase Credit Journey free credit score", "Standard Chase purchase/travel protections (specific limits unconfirmed for this discontinued product)" ], "welcomeBonusText": "Reported historically as a $50 bonus after first qualifying purchase within 3 months; unconfirmed as current, since the card is no longer marketed", "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/cash-back-credit-cards/freedom/student", "https://creditcards.chase.com/new-to-credit-cards" ], "country": "US", "officialUrl": "https://creditcards.chase.com/cash-back-credit-cards/freedom/student" }, { "id": "chase_freedom_unlimited", "name": "Chase Freedom Unlimited", "issuer": "Chase", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 5, "note": "Travel purchased through Chase Travel" }, { "category": "dining", "rate": 3, "note": "Dining, including takeout and eligible delivery" }, { "category": "drugstores", "rate": 3 }, { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "Purchase Protection, up to $500/item, 120 days", "Trip Cancellation and Interruption Insurance, up to $1,500/traveler and $6,000/trip", "24/7 fraud monitoring", "Extended Warranty Protection (+1 year on eligible warranties of 3 years or less)", "Auto Rental Coverage (secondary in the US)", "World Elite / Ultimate Rewards redemption flexibility: cash, gift cards, travel, Amazon Shop with Points" ], "welcomeBonusText": "$200 bonus after $500 spend in first 3 months", "verifiedDate": "2026-09-03", "sources": [ "https://www.chase.com/personal/credit-cards/freedom/unlimited", "https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited" ], "country": "US", "signup": { "bonusPoints": 20000, "spendReq": 500, "months": 3, "note": "$200 bonus encoded as 20,000 CASH points at 1 cent each", "offerVerifiedDate": "2026-09-14" }, "officialUrl": "https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited", "shortName": "Freedom Unlimited" }, { "id": "chase_slate_edge", "name": "Chase Slate Edge", "issuer": "Chase", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#12385f", "cardType": "personal", "status": "open", "baseRateUnknown": true, "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [ "No rewards/cash back program - card is positioned for credit-building and APR reduction, not earning", "Zero Liability Protection", "Purchase Protection, up to $500/item, 120 days", "Extended Warranty Protection (+1 year on eligible warranties of 3 years or less)", "Auto Rental Coverage (secondary in the US)", "Roadside Assistance", "24/7 fraud monitoring", "Chase Credit Journey with personalized Experian score-improvement plan" ], "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/credit-building-credit-cards/slate/edge", "https://creditcards.chase.com/no-annual-fee-credit-cards/slate-credit-cards" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative)." ], "country": "US", "officialUrl": "https://creditcards.chase.com/credit-building-credit-cards/slate/edge" }, { "id": "chase_disney_visa", "name": "Disney Visa Card", "issuer": "Chase", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 1 } ], "credits": [ { "id": "chase_disney_visa-doordash-non-restaurant-order-disc", "label": "DoorDash non-restaurant order discount", "amount": 40, "period": "year", "cadence": "quarterly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "Requires activating complimentary 12-month DashPass membership (2/1/2025-12/31/2027 activation window) using this card; DashPass auto-renews at then-current monthly rate after the free year unless canceled." } ], "perks": [ "10% off select merchandise at Disney Store, DisneyStore.com, and select locations at Disneyland Resort and Walt Disney World Resort", "10% off select dining locations most days at Disneyland Resort and Walt Disney World Resort", "15% off select guided tours at Disneyland Resort and Walt Disney World Resort", "10% off select merchandise onboard Disney Cruise Line", "Disney Parks Cardmember photo opportunities (incl. Star Wars/Heroic Encounter locations) with complimentary Disney PhotoPass downloads", "0% promotional APR for 6 months on select Disney vacation packages (Disney Resort, Adventures by Disney, National Geographic Expeditions, Aulani, Disney Cruise Line), variable APR thereafter", "12 months complimentary DashPass membership (DoorDash/Caviar), auto-renews at then-current rate unless canceled", "Choice of Disney-themed card designs, changeable anytime" ], "welcomeBonusText": "$100 Disney Gift Card eGift instantly upon approval, plus a $50 statement credit after spending $500 on purchases in the first 3 months from account opening (marketed as a $150 offer)", "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/rewards-credit-cards/disney/rewards", "https://www.nerdwallet.com/credit-cards/reviews/disney-visa" ], "country": "US", "officialUrl": "https://creditcards.chase.com/rewards-credit-cards/disney/rewards" }, { "id": "chase_doordash_rewards_mastercard", "name": "DoorDash Rewards Mastercard", "issuer": "Chase", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "dining", "rate": 3, "note": "Dining purchased directly from a restaurant (not through DoorDash, Uber Eats, Grubhub, or other third-party delivery apps)" }, { "category": "groceries", "rate": 2, "note": "Grocery stores, online or in-store" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "chase_doordash_rewards_mastercard-dashpass-anniversary-credit", "label": "DashPass Anniversary credit", "amount": 96, "period": "year", "cadence": "annual", "categories": [], "enrollmentRequired": true, "note": "Each anniversary year in which cardholder (and up to 1 authorized user) spends $10,000 on the card, they earn another complimentary 12-month DashPass membership ($96 value). Auto-enrolls in paid DashPass Annual Plan if s", "automatic": true, "resetsOn": "anniversary" }, { "id": "chase_doordash_rewards_mastercard-10-off-one-convenience-grocery-alc", "label": "10% off one Convenience/Grocery/Alcohol/Retail/DashMart order per month", "amount": 180, "period": "year", "cadence": "monthly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "10% off, maximum discount $15 per order. Offer currently valid only through 12/31/2026 per DoorDash/Chase terms; may be discontinued or renewed after that date.", "endsOn": "2026-12-31" } ], "perks": [ "No foreign transaction fees", "World Elite Mastercard Concierge (complimentary 24/7 concierge; cardmember pays for goods/services purchased)", "Mastercard Priceless Experiences access", "Cell Phone Protection (secondary coverage; monthly phone bill must be paid with the card)", "Extended Warranty Protection (adds 1 year to eligible U.S. warranties of 3 years or less)", "Purchase Protection (120 days, up to $500/item; 90 days for NY residents)", "Trip Cancellation and Interruption Insurance (up to $1,500 per covered traveler / $6,000 per trip)", "Auto Rental Collision Damage Waiver (secondary in the U.S.)" ], "welcomeBonusText": "Free year of DashPass (~$96 value) automatically activated upon approval for the primary cardmember (plus up to 1 authorized user); auto-renews into the paid DashPass Annual Plan at $96/year after 12 months unless canceled. No minimum spend required.", "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/cash-back-credit-cards/doordash", "https://help.doordash.com/en-us/consumers/article/doordash-rewards-mastercard" ], "conversionNotes": [ "Duplicate dining rates published (4.0x and 3.0x); using the lower rate \u2014 the higher tier is usually condition-bound.", "One-time credit not modelled: Free DashPass membership (first year) ($96)." ], "country": "US", "officialUrl": "https://creditcards.chase.com/cash-back-credit-cards/doordash" }, { "id": "chase_ihg_one_rewards_traveler", "name": "IHG One Rewards Traveler Credit Card", "issuer": "Chase", "network": "Mastercard", "currency": "IHG", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 5, "note": "IHG only: IHG Hotels & Resorts; total up to 17x when combined with up to 10x IHG One Rewards membership bonus and up to 2x automatic Silver Elite bonus; not other hotel brands", "portalOnly": true, "brand": "IHG" }, { "category": "dining", "rate": 3, "note": "restaurants, including takeout and eligible delivery" }, { "category": "gas", "rate": 3 }, { "category": "utilities", "rate": 3 }, { "category": "streaming", "rate": 3, "note": "select streaming services" }, { "category": "*", "rate": 2 } ], "credits": [ { "id": "chase_ihg_one_rewards_traveler-doordash-non-restaurant-order-disc", "label": "DoorDash non-restaurant order discount", "amount": 40, "period": "year", "cadence": "quarterly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "Requires activating complimentary DashPass membership; promotional benefit through 12/31/2027", "endsOn": "2027-12-31" }, { "id": "chase_ihg_one_rewards_traveler-instacart-credit", "label": "Instacart credit", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "groceries" ], "enrollmentRequired": true, "note": "Requires an active Instacart+ membership (3 months complimentary, then $99/yr unless canceled); promotional benefit through 12/31/2027", "endsOn": "2027-12-31" } ], "perks": [ "Automatic IHG One Rewards Silver Elite status while cardmember", "Redeem 3 reward nights, get the 4th reward night free on IHG award stays (unlimited uses annually)", "IHG One Rewards Gold Elite Status after $20,000+ in calendar-year purchases, through Dec 31 of the following year", "10,000 bonus points after $10,000 in calendar-year purchases", "Baggage delay insurance: up to $100/day for 3 days", "Lost luggage reimbursement up to $3,000 per covered traveler", "Purchase protection: 120 days from purchase, up to $500 per item", "Trip cancellation and interruption insurance: up to $5,000 per covered traveler, $10,000 per trip" ], "signup": { "bonusPoints": 80000, "spendReq": 2000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/traveler", "https://creditcards.chase.com/travel-credit-cards/ihg", "https://www.nerdwallet.com/credit-cards/reviews/ihg-traveler" ], "country": "US", "officialUrl": "https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/traveler" }, { "id": "chase_instacart_mastercard", "name": "Instacart Mastercard", "issuer": "Chase", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "groceries", "rate": 5, "cap": 6000, "capPeriod": "year", "note": "Instacart only: qualifying purchases made directly on Instacart.com or the Instacart app, including Instacart+ memberships; first $6,000 spent annually, then 1% uncapped. Not other grocery stores", "portalOnly": true, "brand": "Instacart" }, { "category": "travel_portal", "rate": 5, "note": "Chase Travel purchases (flights, hotels, and more)" }, { "category": "dining", "rate": 2, "note": "Restaurants, including restaurant orders on Instacart powered by Uber Eats, takeout and eligible delivery" }, { "category": "gas", "rate": 2 }, { "category": "streaming", "rate": 2, "note": "Select streaming services" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "No foreign transaction fees", "World Elite Mastercard Concierge (complimentary 24/7 concierge; cardmember pays for goods/services purchased)", "Baggage Delay Insurance ($100/day for up to 3 days, delay over 6 hours)", "Extended Warranty Protection (adds 1 year to eligible U.S. warranties of 3 years or less)", "Purchase Protection (120 days, up to $500/item; 90 days for NY residents)", "Lost Luggage Reimbursement (up to $3,000 per covered traveler)", "Travel and Emergency Assistance", "Travel Accident Insurance (up to $500,000 AD&D when transportation fare is charged to the card)" ], "welcomeBonusText": "$50 Instacart credit automatically applied to the cardholder's Instacart.com account upon approval (no minimum spend required); not available to those who previously held the Instacart Mastercard or already received an Instacart new-cardmember bonus.", "verifiedDate": "2026-09-03", "sources": [ "https://creditcards.chase.com/cash-back-credit-cards/instacart", "https://creditcards.chase.com/a1/instacart/50CreditNAEP?CELL=6CQ9&SPID=HNV5" ], "country": "US", "officialUrl": "https://creditcards.chase.com/a1/instacart/50CreditNAEP?CELL=6CQ9&SPID=HNV5" }, { "id": "chase_marriott_bonvoy_bold", "name": "Marriott Bonvoy Bold\u00ae Credit Card", "issuer": "Chase", "network": "Visa", "currency": "MARRIOTT", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 3, "note": "Marriott only: Marriott Bonvoy hotel spend (card-level rate only); combined with up to 10X for Bonvoy membership and up to 1X for automatic Silver Elite status, total can reach up to 14X per Chase's marketing; not other hotel brands", "portalOnly": true, "brand": "Marriott" }, { "category": "groceries", "rate": 2, "note": "no stated annual cap" }, { "category": "rideshare", "rate": 2, "note": "no stated annual cap" }, { "category": "streaming", "rate": 2, "note": "select streaming services; no stated annual cap" }, { "category": "internet", "rate": 2, "note": "cable, internet and phone services; no stated annual cap; select food delivery also earns 2X" }, { "category": "phone", "rate": 2, "note": "cable, internet and phone services; no stated annual cap; select food delivery also earns 2X" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Automatic Marriott Bonvoy Silver Elite status each calendar year", "5 Elite Night Credits deposited annually (on or before March 1)", "10% Elite Bonus Points on stays as Silver Elite", "Priority Late Checkout (based on availability)", "Complimentary Wi-Fi at participating Marriott Bonvoy hotels", "No foreign transaction fees", "Auto rental collision/theft coverage (secondary in the U.S.)", "Baggage delay insurance (up to $100/day for 5 days)" ], "signup": { "bonusPoints": 45000, "spendReq": 1000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold", "https://marriott.chase.com/bold/benefits", "https://marriott.chase.com/bold/earn-redeem", "https://thepointsguy.com/credit-cards/marriott-bonvoy-bold-vs-boundless/" ], "country": "US", "officialUrl": "https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold" }, { "id": "chase_amazon_prime_visa", "name": "Prime Visa", "issuer": "Chase", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "online_retail", "rate": 5, "note": "Brand: Amazon only. Amazon.com (incl. digital downloads, Amazon gift cards, Prime subscriptions, 3rd-party marketplace items) and Audible.com with an eligible Prime membership; unlimited. Not other online retailers", "portalOnly": true, "brand": "Amazon" }, { "category": "groceries", "rate": 5, "note": "Brand: Whole Foods Market (U.S. stores and wholefoodsmarket.com) and Amazon Fresh only, with an eligible Prime membership; unlimited. Not other grocery stores", "portalOnly": true, "brand": "Whole Foods Market and Amazon Fresh" }, { "category": "travel_portal", "rate": 5, "note": "Chase Travel purchases, with an eligible Prime membership; unlimited. Not earned on purchases made directly with airlines/hotels/car rental/cruise suppliers" }, { "category": "gas", "rate": 2, "note": "Unlimited" }, { "category": "dining", "rate": 2, "note": "Restaurants; unlimited" }, { "category": "transit", "rate": 2, "note": "Local transit and commuting, including rideshare; unlimited" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "No foreign transaction fees", "Prime Card Bonus: rotating limited-time offers of 10% back or more on selected Amazon.com items/categories for eligible Prime members", "Redeem rewards as points at Amazon.com checkout as soon as the next day, no minimum balance to redeem; can also redeem for cash, gift cards, or travel at chase.com", "Extended Warranty Protection (+1 year on eligible warranties of 3 years or less)", "Purchase Protection (120 days, up to $500/item)", "Baggage Delay Insurance (up to $100/day for 3 days)", "Zero Liability Protection", "Roadside Assistance (dispatch service; fees billed to card)" ], "welcomeBonusText": "$150 Amazon Gift Card loaded instantly into the cardholder's Amazon.com account Gift Card Balance upon approval, for Prime members (not spend-based)", "verifiedDate": "2026-09-03", "sources": [ "https://www.amazon.com/primevisa", "https://creditcards.chase.com/cash-back-credit-cards/amazon-prime-rewards", "https://www.cnbc.com/select/prime-visa-review/" ], "country": "US", "officialUrl": "https://creditcards.chase.com/cash-back-credit-cards/amazon-prime-rewards" }, { "id": "united_gateway", "name": "United Gateway Card", "issuer": "Chase", "network": "Visa Signature", "currency": "UNITED_MILES", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#12385f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 2, "note": "United only: all other eligible United purchases; not other airlines", "portalOnly": true, "brand": "United" }, { "category": "gas", "rate": 2, "note": "Gas stations" }, { "category": "transit", "rate": 2, "note": "Local transit and commuting including rideshare, taxicabs, train tickets, tolls, mass transit" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "2 free standard checked bag certificates per calendar year after $10,000 in card spend (primary Cardmember, deposited to MileagePlus account, United/United Express-operated flights only)", "25% back statement credit on inflight food, beverages, Wi-Fi purchases on United/United Express flights and United Club premium drink purchases (uncapped, posts within 24 hours)", "10% or more mileage discount on award flights booked with miles after $10,000 calendar-year spend (Premier members save more)", "No blackout dates on United-operated award flights", "MileagePlus miles never expire", "Auto rental collision/theft coverage (secondary in the U.S.)", "Trip Cancellation and Interruption Insurance up to $1,500 per traveler / $6,000 per trip", "Purchase Protection up to $500 per item, 120 days from purchase" ], "signup": { "bonusPoints": 40000, "spendReq": 1000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.chase.com/travel-credit-cards/united/united-gateway" ], "conversionNotes": [ "Duplicate flights rates published (5x and 2x); using the lower rate \u2014 the higher tier is usually condition-bound." ], "country": "US", "officialUrl": "https://creditcards.chase.com/travel-credit-cards/united/united-gateway" }, { "id": "citi_aadvantage_business", "name": "Citi\u00ae / AAdvantage Business\u2122 World Elite Mastercard\u00ae", "shortName": "Citi\u00ae / AAdvantage Business\u2122", "issuer": "Citi", "network": "Mastercard", "currency": "AADVANTAGE", "annualFee": 99, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b4d8c", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "flights", "rate": 2, "note": "American Airlines only: eligible American Airlines purchases; not other airlines", "portalOnly": true, "brand": "American Airlines" }, { "category": "gas", "rate": 2, "note": "Gas stations" }, { "category": "travel", "rate": 2, "note": "Car rental merchants" }, { "category": "internet", "rate": 2, "note": "Telecommunications merchants and cable/satellite providers" }, { "category": "phone", "rate": 2, "note": "Telecommunications merchants and cable/satellite providers" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "First checked bag free on domestic American Airlines itineraries for cardholder and up to 4 companions", "Preferred boarding on American Airlines flights", "25% savings on inflight Wi-Fi, food and beverage purchases", "American Airlines Companion Certificate after $30,000+ spend in a cardmembership year and renewal ($99 ticketing fee + taxes/fees, domestic)", "AAdvantage Business\u2122 membership travel-management tools (expense management, duty of care, reporting)", "Mastercard business special offers", "No foreign transaction fees", "Add employees as authorized users with individual spend limits" ], "signup": { "bonusPoints": 65000, "spendReq": 4000, "months": 4, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.aa.com/credit-cards/citi-business-card-american-airlines-direct/", "https://thepointsguy.com/credit-cards/citi-aadvantage-current-offers/" ], "country": "US", "officialUrl": "https://creditcards.aa.com/credit-cards/citi-business-card-american-airlines-direct/" }, { "id": "citi_costco_anywhere_visa_business", "name": "Costco Anywhere Visa\u00ae Business Card by Citi", "shortName": "Costco Anywhere Visa\u00ae Business", "issuer": "Citi", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b4d8c", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "gas", "rate": 4, "cap": 7000, "capPeriod": "year", "note": "Other eligible gas and EV charging worldwide; shares the same $7,000/year combined cap with Costco gas, then 1%" }, { "category": "dining", "rate": 3, "note": "Restaurants and eligible travel purchases worldwide, including Costco Travel" }, { "category": "online_retail", "rate": 2, "note": "All other purchases from Costco and Costco.com", "portalOnly": true, "brand": "Costco" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Doubles as Costco membership card", "Damage & theft purchase protection", "Worldwide car rental insurance", "Worldwide travel accident insurance", "Lost baggage protection", "No foreign transaction fees", "Add additional users at no cost" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.citi.com/credit-cards/citi-costco-anywhere-visa-business-credit-card" ], "conversionNotes": [ "Duplicate gas rates published (5.0x and 4.0x); using the lower rate \u2014 the higher tier is usually condition-bound." ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/citi-costco-anywhere-visa-business-credit-card" }, { "id": "citi_home_depot_pro_xtra", "name": "Pro Xtra Credit Card (The Home Depot\u00ae Pro Xtra Credit Card)", "issuer": "Citi", "network": "Store card (closed-loop, no network \u2014 usable only at The Home Depot stores and homedepot.com); commercial revolving charge card", "currency": "HOMEDEPOT_PROXTRA_PERKS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b4d8c", "cardType": "business", "status": "open", "baseRateUnknown": true, "isRetailCobrand": true, "earn": [ { "category": "home_improvement", "rate": 4, "note": "Every $1 spent on the Pro Xtra Credit Card counts as $4 toward earning Pro Xtra Perks (Perks accrue 4x faster than standard Pro Xtra membership). Requires an enrolled, card-linked Pro Xtra loyalty acc" }, { "category": "*", "rate": 0 } ], "credits": [], "perks": [ "Automatic Pro Xtra loyalty program enrollment/registration", "Extended 1-year return window", "Itemized billing statements for business expense/accounting tracking", "Ability to issue cards to employees for business spend tracking", "Special financing: 6 months on purchases $299+, 12 months on $399+, 36 months at 3.99% APR on $1,599+ (deferred/promotional interest, subject to credit approval)", "$0 liability on unauthorized charges" ], "welcomeBonusText": "Discount (reported up to $100) on a new cardholder's first qualifying purchase; no complex spending requirement reported, but not independently confirmed on Citi's own page.", "verifiedDate": "2026-08-21", "sources": [ "https://www.citi.com/credit-cards/home-depot-pro-xtra-credit-card", "https://www.citi.com/credit-cards/citi-home-depot-consumer-credit-card/additional-information" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative)." ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/citi-home-depot-consumer-credit-card/additional-information" }, { "id": "citi_strata_elite", "name": "Citi Strata Elite\u2120 Card", "issuer": "Citi", "network": "Mastercard", "currency": "TY", "annualFee": 595, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b4d8c", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 12, "portalOnly": true, "brand": "Citi Travel (cititravel.com)", "note": "Hotels, Car Rentals and Attractions booked on cititravel.com. Car rentals and attractions earn the same 12x but are not scored as separate categories here, so the card is understated on that spend." }, { "category": "travel_portal", "rate": 6, "note": "Air Travel booked on cititravel.com" }, { "category": "dining", "rate": 3, "note": "Restaurants (including delivery services) at any other time" }, { "category": "*", "rate": 1.5, "note": "Citi Nights: Restaurants including Restaurant Delivery Services earn 6x every Friday and Saturday from 6 PM to 6 AM ET. NOT SCORED - the engine cannot tell the day or hour a charge was made, so restaurant spend is scored at the all-week 3x rate and this card is understated on weekend-night dining." } ], "credits": [ { "id": "citi_strata_elite-annual-hotel-benefit", "label": "Annual Hotel Benefit", "amount": 300, "period": "year", "cadence": "annual", "categories": [ "hotels" ], "note": "Up to $300 off a single hotel stay of 2+ nights (excl. taxes/fees) booked through cititravel.com; applied instantly at booking" }, { "id": "citi_strata_elite-annual-splurge-credit-", "label": "Annual Splurge Credit\u2120", "amount": 200, "period": "year", "cadence": "annual", "categories": [ "flights" ], "enrollmentRequired": true, "note": "Choice of up to 2 of 5 eligible brands; exclusions apply" }, { "id": "citi_strata_elite-annual-blacklane-credit", "label": "Annual Blacklane Credit", "amount": 200, "period": "year", "cadence": "semiannual", "categories": [ "travel", "travel_portal" ], "note": "Up to $100 Jan-Jun and up to $100 Jul-Dec on Blacklane premium chauffeur service" }, { "id": "citi_strata_elite-global-entry-tsa-precheck-credit", "label": "Global Entry/TSA PreCheck credit", "amount": 30, "period": "year", "cadence": "every4y", "categories": [ "travel" ], "note": "Up to $120 for Global Entry (or ~$85 TSA PreCheck) once every 4 years \u2014 shown as $30/yr amortized. Does not expire yearly." } ], "perks": [ "Priority Pass\u2122 Select membership (1,500+ lounges; covers primary, authorized users, and up to 2 guests; valued at $469)", "4 Admirals Club\u00ae Citi Strata Elite\u2120 Passes per calendar year (~$300+ value, ~50 lounges)", "Trip Cancellation/Interruption, Trip Delay, Lost or Damaged Luggage, MasterRental (car rental) coverage", "Extended Warranty and Purchase Assurance Plus", "Points transfer to American Airlines, JetBlue, Virgin Atlantic, Cathay Pacific, Eva Air, Choice Hotels, The Leading Hotels of the World", "Citi Entertainment presale/exclusive event access", "Citigold/Citigold Private Client banking relationship credits ($145/yr, $595 first-year for Private Client) if primary cardmember also holds qualifying Citigold banking relationship \u2014 conditional, not a standard cardholder credit" ], "signup": { "bonusPoints": 80000, "spendReq": 4000, "months": 3, "offerVerifiedDate": "2026-09-14", "checkNote": "Citi does not render this card's figure even in a browser. Read it yourself." }, "verifiedDate": "2026-09-15", "sources": [ "https://www.citi.com/credit-cards/citi-strata-elite-credit-card", "https://www.citi.com/credit-cards/credit-card-rewards/citi-strata-elite-benefits", "https://www.nerdwallet.com/credit-cards/news/citi-strata-elite-increases-welcome-offer-up-to-100k-points-limited-time" ], "conversionNotes": [ "Duplicate travel_portal rates published (12x and 6x); using the lower rate \u2014 the higher tier is usually condition-bound.", "Duplicate dining rates published (6x and 3x); using the lower rate \u2014 the higher tier is usually condition-bound." ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/credit-card-rewards/citi-strata-elite-benefits", "shortName": "Citi Strata Elite\u2120" }, { "id": "citi_aadvantage_executive", "name": "Citi\u00ae / AAdvantage\u00ae Executive World Elite Mastercard\u00ae", "shortName": "Citi\u00ae / AAdvantage\u00ae Executive", "issuer": "Citi", "network": "Mastercard", "currency": "AADVANTAGE", "annualFee": 595, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b4d8c", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 10, "note": "Eligible hotels booked through aadvantagehotels.com", "portalOnly": true, "brand": "AAdvantage Hotels (aadvantagehotels.com)" }, { "category": "travel", "rate": 10, "note": "Eligible car rentals booked through aadvantagecars.com", "portalOnly": true, "brand": "AAdvantage Cars (aadvantagecars.com)" }, { "category": "flights", "rate": 4, "note": "American Airlines only: eligible American Airlines purchases; boosts to 5x for the rest of the calendar year after $150,000 in card spend in that year; not other airlines", "portalOnly": true, "brand": "American Airlines" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "citi_aadvantage_executive-avis-budget-prepaid-car-rental-cre", "label": "Avis/Budget prepaid car rental credit", "amount": 120, "period": "year", "cadence": "annual", "categories": [ "car_rental" ], "note": "Up to $120 in statement credits per calendar year" }, { "id": "citi_aadvantage_executive-lyft-credit", "label": "Lyft credit", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "rideshare" ], "note": "$10 credit after 3 eligible Lyft rides in a calendar month, up to $120/year total" }, { "id": "citi_aadvantage_executive-grubhub-credit", "label": "Grubhub credit", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "dining" ], "note": "Up to $10 per monthly billing statement, up to $120 per 12 statements" }, { "id": "citi_aadvantage_executive-global-entry-tsa-precheck-credit", "label": "Global Entry/TSA PreCheck credit", "amount": 30, "period": "year", "cadence": "every4y", "categories": [ "travel" ], "note": "Up to $120 for Global Entry (or ~$85 TSA PreCheck) once every 4 years \u2014 shown as $30/yr amortized. Does not expire yearly." } ], "perks": [ "Complimentary Admirals Club\u00ae membership for primary cardmember (a value of up to $850); authorized users get Admirals Club access with a same-day boarding pass but not full membership", "Up to 20,000 additional Loyalty Points (10,000 at 50,000 Loyalty Points and 10,000 more at 90,000 Loyalty Points in a status qualification year)", "Priority check-in, screening, and boarding on American Airlines", "First checked bag free on domestic American Airlines itineraries for cardholder and up to 8 companions", "25% savings on inflight food and beverage purchases", "Trip Cancellation & Interruption Protection, Trip Delay Protection, Lost Baggage Protection, Worldwide Car Rental Insurance", "No foreign transaction fees" ], "signup": { "bonusPoints": 125000, "spendReq": 15000, "months": 5, "offerVerifiedDate": "2026-09-14", "note": "Citi calls this its best offer ever; earned after $15,000 in 5 months, so the spend bar is high." }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.aa.com/credit-cards/citi-executive-card-american-airlines-direct/", "https://www.nerdwallet.com/credit-cards/news/citi-aadvantage-executive-raises-fee-adds-benefits-2026", "https://thepointsguy.com/credit-cards/citi-aadvantage-current-offers/" ], "country": "US", "officialUrl": "https://creditcards.aa.com/credit-cards/citi-executive-card-american-airlines-direct/" }, { "id": "citi_aadvantage_globe", "name": "Citi\u00ae / AAdvantage\u00ae Globe\u2122 Mastercard\u00ae", "shortName": "Citi\u00ae / AAdvantage\u00ae Globe\u2122", "issuer": "Citi", "network": "Mastercard", "currency": "AADVANTAGE", "annualFee": 350, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b4d8c", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 6, "note": "Eligible AAdvantage Hotels\u2122 bookings", "portalOnly": true, "brand": "AAdvantage Hotels (aadvantagehotels.com)" }, { "category": "flights", "rate": 3, "note": "American Airlines only: eligible American Airlines purchases; not other airlines", "portalOnly": true, "brand": "American Airlines" }, { "category": "dining", "rate": 2, "note": "Restaurants, including takeout and delivery" }, { "category": "transit", "rate": 2, "note": "\"Rides and Rails\": taxis, rideshare, public transit" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "citi_aadvantage_globe-annual-splurge-credit-", "label": "Annual Splurge Credit\u2120", "amount": 100, "period": "year", "cadence": "annual", "categories": [ "hotels" ], "enrollmentRequired": true, "note": "Choice of up to 2 of 4 eligible brands; exclusions apply" }, { "id": "citi_aadvantage_globe-inflight-purchase-credit", "label": "Inflight purchase credit", "amount": 100, "period": "year", "cadence": "annual", "categories": [ "flights" ], "note": "Up to $100 per calendar year" }, { "id": "citi_aadvantage_globe-global-entry-tsa-precheck-credit", "label": "Global Entry/TSA PreCheck credit", "amount": 30, "period": "year", "cadence": "every4y", "categories": [ "travel" ], "note": "Up to $120 for Global Entry (or ~$85 TSA PreCheck) once every 4 years \u2014 shown as $30/yr amortized. Does not expire yearly." } ], "perks": [ "4 Admirals Club\u00ae Globe\u2122 Passes per calendar year (~$300+ value, ~50 lounges)", "American Airlines Companion Certificate starting in second cardmembership year upon renewal ($99 ticketing fee + taxes/fees, domestic main cabin round-trip)", "First checked bag free on domestic American Airlines itineraries for cardholder and up to 8 companions", "Preferred boarding for cardholder and up to 8 companions", "Flight Streak\u2122 bonus: 5,000 Loyalty Points after every 4 qualifying AA flights, up to 15,000/year", "Trip Cancellation/Interruption, Lost/Damaged Luggage, MasterRental (car rental), Trip Delay, Extended Warranty and Purchase Assurance Plus", "No foreign transaction fees", "Add Authorized Users at no additional cost" ], "signup": { "bonusPoints": 60000, "spendReq": 4000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.aa.com/credit-cards/citi-globe-card-american-airlines-direct/" ], "country": "US", "officialUrl": "https://creditcards.aa.com/credit-cards/citi-globe-card-american-airlines-direct/" }, { "id": "citi_aadvantage_platinum_select", "name": "Citi\u00ae / AAdvantage\u00ae Platinum Select\u00ae World Elite Mastercard\u00ae", "shortName": "Citi\u00ae / AAdvantage\u00ae Platinum Select\u00ae", "issuer": "Citi", "network": "Mastercard", "currency": "AADVANTAGE", "annualFee": 99, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b4d8c", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "dining", "rate": 2, "note": "Restaurants" }, { "category": "gas", "rate": 2, "note": "Gas stations" }, { "category": "flights", "rate": 2, "note": "American Airlines only: eligible American Airlines purchases; not other airlines", "portalOnly": true, "brand": "American Airlines" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "First checked bag free on domestic American Airlines itineraries for cardholder and up to 4 companions", "Preferred boarding on American Airlines flights", "25% savings on inflight food and beverage purchases", "$125 American Airlines flight discount after $20,000+ spend in a cardmembership year and renewal", "No foreign transaction fees", "1 Loyalty Point per eligible AAdvantage mile earned toward AAdvantage status", "Add Authorized Users at no additional cost", "Promotional: up to $180 back on Turo ($30 per eligible trip) for trips completed 10/19/2025-10/18/2026, requires linking card on Turo.com" ], "signup": { "bonusPoints": 50000, "spendReq": 2500, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.aa.com/credit-cards/citi-platinum-card-american-airlines-direct/", "https://thepointsguy.com/credit-cards/citi-aadvantage-current-offers/" ], "country": "US", "officialUrl": "https://creditcards.aa.com/credit-cards/citi-platinum-card-american-airlines-direct/" }, { "id": "citi_strata_premier", "name": "Citi Strata Premier\u00ae Card", "issuer": "Citi", "network": "Mastercard", "currency": "TY", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b4d8c", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 10, "note": "Hotels, Car Rentals and Attractions booked on cititravel.com" }, { "category": "flights", "rate": 3, "note": "Air Travel and Other Hotel purchases (not booked through Citi Travel, which earns 10x)" }, { "category": "dining", "rate": 3, "note": "Restaurants" }, { "category": "groceries", "rate": 3, "note": "Supermarkets" }, { "category": "gas", "rate": 3, "note": "Gas & EV Charging Stations" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "citi_strata_premier-annual-hotel-benefit", "label": "Annual Hotel Benefit", "amount": 100, "period": "year", "cadence": "annual", "categories": [ "hotels" ], "note": "$100 off a single hotel stay of $500+ (excl. taxes/fees) once per calendar year via cititravel.com or phone" }, { "id": "citi_strata_premier-global-entry-tsa-precheck-nexus-cr", "label": "Global Entry/TSA PreCheck/NEXUS credit", "amount": 30, "period": "year", "cadence": "every4y", "categories": [ "travel" ], "note": "Up to $120 for Global Entry (or ~$85 TSA PreCheck) once every 4 years \u2014 shown as $30/yr amortized. Does not expire yearly." } ], "perks": [ "Trip Cancellation/Interruption, Trip Delay, Lost or Damaged Luggage, MasterRental (car rental) coverage", "Points transfer to American Airlines, JetBlue, Virgin Atlantic, Cathay Pacific, Eva Air, Choice Hotels, The Leading Hotels of the World", "Citi Entertainment presale/exclusive event access", "Add Authorized Users at no additional cost", "Aggregator sources (FinanceBuzz, Firstcard) report a complimentary Apple TV+ subscription (~$156/yr value, activate by 12/31/2026) and a complimentary DashPass membership (activate by 12/31/2027) \u2014 not independently confirmed on the fetched citi.com product page and unconfirmed as of verified_date" ], "verifiedDate": "2026-09-03", "sources": [ "https://www.citi.com/credit-cards/citi-strata-premier-credit-card", "https://awardwallet.com/credit-cards/citi-thankyou-rewards/citi-strata-premier/", "https://financebuzz.com/citi-premier-card-review" ], "country": "US", "signup": { "bonusPoints": 60000, "spendReq": 4000, "months": 3, "offerVerifiedDate": "2026-09-14", "checkNote": "Citi injects the figure from an API after load. `npm run offer-check-browser` reads it." }, "officialUrl": "https://www.citi.com/credit-cards/citi-strata-premier-credit-card", "shortName": "Citi Strata Premier\u00ae" }, { "id": "citi_att_points_plus", "name": "AT&T Points Plus\u00ae Card from Citi", "issuer": "Citi", "network": "Mastercard (World Mastercard)", "currency": "THANKYOU_POINTS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b4d8c", "cardType": "personal", "status": "open", "isRetailCobrand": true, "earn": [ { "category": "gas", "rate": 3, "note": "Gas stations; excludes gas purchases at warehouse clubs/discount/convenience stores not coded as gas MCC" }, { "category": "ev_charging", "rate": 3, "note": "EV charging stations, same bonus tier as gas" }, { "category": "groceries", "rate": 2, "note": "Grocery stores/supermarkets/grocery delivery; excludes general merchandise/discount superstores and warehouse clubs" }, { "category": "travel", "rate": 2, "note": "AT&T products and services, including AT&T bill payment" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "citi_att_points_plus-at-t-points-plus-recurring-stateme", "label": "AT&T Points Plus recurring statement credit", "amount": 240, "period": "year", "cadence": "monthly", "categories": [], "note": "Earned each billing cycle you spend $1,000+ on net purchases; a smaller $10 credit applies if $500-$999.99 is spent in the cycle instead. Max $240/year at the $20/month tier.", "automatic": true } ], "perks": [ "No foreign transaction fees", "$0 liability on unauthorized charges plus early fraud alerts", "Citi Entertainment presale ticket access", "Citi Quick Lock to block new charges without affecting recurring charges", "AT&T bill discount: $10/month per wireless line and $10/month on eligible AT&T internet bill ($5/month for AT&T Internet Air) when enrolled in AutoPay + paperless billing at AT&T \u2014 this discount is provided solely by AT&T, not a Citi card benefit, per Citi's own disclosure" ], "welcomeBonusText": "$200 statement credit after spending $1,000 on purchases within the first 3 months of account opening. Not available if you received a new-account bonus on an AT&T Points Plus Card in the past 48 months.", "verifiedDate": "2026-08-21", "sources": [ "https://www.citi.com/credit-cards/citi-att-pointsplus-credit-card", "https://www.att.com/deals/att-points-plus-citi/", "https://upgradedpoints.com/credit-cards/reviews/att-points-plus-card-from-citi/" ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/citi-att-pointsplus-credit-card" }, { "id": "citi_aadvantage_mileup", "name": "American Airlines AAdvantage\u00ae MileUp\u00ae Card", "shortName": "AAdvantage\u00ae MileUp\u00ae", "issuer": "Citi", "network": "Mastercard", "currency": "AADVANTAGE", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#0b4d8c", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "groceries", "rate": 2, "note": "Grocery stores, including grocery delivery services" }, { "category": "flights", "rate": 2, "note": "American Airlines only: eligible American Airlines purchases; not other airlines", "portalOnly": true, "brand": "American Airlines" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "25% savings on inflight food and beverage purchases on American Airlines flights", "No mileage earning cap", "1 Loyalty Point per eligible AAdvantage mile earned toward AAdvantage status", "Add Authorized Users at no additional cost", "The only Citi/AAdvantage card with no annual fee" ], "signup": { "bonusPoints": 15000, "spendReq": 500, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://creditcards.aa.com/credit-cards/citi-mileup-card-american-airlines-direct/" ], "country": "US", "officialUrl": "https://creditcards.aa.com/credit-cards/citi-mileup-card-american-airlines-direct/" }, { "id": "citi_bloomingdales_amex", "name": "Bloomingdale's American Express\u00ae Card", "issuer": "Citi", "network": "American Express", "currency": "BLOOMINGDALES_LOYALLIST_POINTS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#0b4d8c", "cardType": "personal", "status": "open", "isRetailCobrand": true, "earn": [ { "category": "department_store", "rate": 3, "note": "Bloomingdale's only: Bloomingdale's, Bloomingdale's The Outlet and bloomingdales.com; not other department stores", "portalOnly": true, "brand": "Bloomingdale's" }, { "category": "*", "rate": 3 } ], "credits": [], "perks": [ "Usable anywhere American Express is accepted, unlike the Bloomingdale's store-only card", "Free shipping on bloomingdales.com orders and select in-store delivery up to $28", "Complimentary unlimited gift wrapping and complimentary summer fur storage", "Access to Double/Triple/Power Points shopping events" ], "welcomeBonusText": "Save 15% on purchases made the day of account opening and the following day, capped at $250 in total savings.", "verifiedDate": "2026-09-03", "sources": [ "https://www.bloomingdales.com/loyallist", "https://www.citi.com/credit-cards/bloomingdales-credit-cards", "https://www.cnbc.com/select/bloomingdales-credit-card-review/" ], "conversionNotes": [ "Duplicate department_store rates published (6x and 3x); using the lower rate \u2014 the higher tier is usually condition-bound." ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/bloomingdales-credit-cards" }, { "id": "citi_bloomingdales_store_card", "name": "Bloomingdale's Credit Card", "issuer": "Citi", "network": "Store card (closed-loop, Bloomingdale's/Bloomingdale's The Outlet/bloomingdales.com only)", "currency": "BLOOMINGDALES_LOYALLIST_POINTS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b4d8c", "cardType": "personal", "status": "open", "baseRateUnknown": true, "isRetailCobrand": true, "earn": [ { "category": "department_store", "rate": 3, "note": "Bloomingdale's only: Bloomingdale's, Bloomingdale's The Outlet and bloomingdales.com", "portalOnly": true, "brand": "Bloomingdale's" }, { "category": "*", "rate": 0 } ], "credits": [], "perks": [ "Free shipping on bloomingdales.com orders and select in-store delivery up to $28", "Complimentary unlimited gift wrapping", "Complimentary summer storage for fur items", "Access to Double/Triple/Power Points shopping events; higher-spend 'At the Top of the List' tier unlocks additional Triple Points days" ], "welcomeBonusText": "Save 15% on purchases made the day of account opening and the following day, capped at $250 in total savings.", "verifiedDate": "2026-09-03", "sources": [ "https://www.bloomingdales.com/loyallist", "https://www.citi.com/credit-cards/bloomingdales-credit-cards", "https://www.cnbc.com/select/bloomingdales-credit-card-review/" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative).", "Duplicate department_store rates published (6x and 3x); using the lower rate \u2014 the higher tier is usually condition-bound." ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/bloomingdales-credit-cards" }, { "id": "citi_custom_cash", "name": "Citi Custom Cash\u00ae Card", "issuer": "Citi", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#0b4d8c", "cardType": "personal", "status": "closed_to_new", "isRetailCobrand": false, "earn": [ { "category": "CHOICE", "rate": 5, "cap": 500, "capPeriod": "month", "note": "5% cash back on your single top eligible spend category each billing cycle (from 10 categories: restaurants, gas stations, grocery stores, select travel, select transit, streaming services, drugstores", "choice": true, "choiceOptions": [ "gas", "ev_charging", "office_supply", "online_retail", "dining", "travel", "drugstores", "home_improvement", "fitness", "streaming", "groceries", "transit", "entertainment" ] }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "No category enrollment required \u2014 top category auto-detected each billing cycle", "Citi Entertainment presale/exclusive event access" ], "verifiedDate": "2026-09-15", "sources": [ "https://www.citi.com/credit-cards/citi-custom-cash-credit-card", "https://www.cnbc.com/select/citi-custom-cash-vs-other-5percent-cash-back-credit-cards/" ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/citi-custom-cash-credit-card", "statusNote": "Citi's own product page, read 2026-09-15: \"Citi is no longer accepting applications for the Citi Custom Cash Card product as of May 28, 2026.\" closed_to_new confirmed correct; existing cardholders keep the card." }, { "id": "citi_double_cash", "name": "Citi Double Cash\u00ae Card", "issuer": "Citi", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#0b4d8c", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 5, "note": "Total 5% on hotels, car rentals, and attractions booked via Citi Travel (2% base + 3% bonus)" }, { "category": "*", "rate": 2 } ], "credits": [], "perks": [ "Extended warranty", "Citi Merchant Offers statement-credit program", "Citi Entertainment presale/exclusive event access", "No Authorized User fee", "$0 liability on unauthorized charges" ], "welcomeBonusText": "$200 cash back after spending $1,500 on purchases in the first 6 months", "verifiedDate": "2026-08-21", "sources": [ "https://www.citi.com/credit-cards/citi-double-cash-credit-card", "https://money.usnews.com/credit-cards/citi/citi-double-cash-card" ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/citi-double-cash-credit-card", "shortName": "Citi Double Cash\u00ae" }, { "id": "citi_rewards_plus", "name": "Citi Rewards+\u00ae Card", "issuer": "Citi", "network": "Mastercard", "currency": "TY", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b4d8c", "cardType": "personal", "status": "closed_to_new", "isRetailCobrand": false, "earn": [ { "category": "groceries", "rate": 2, "cap": 6000, "capPeriod": "year", "note": "Supermarkets, first $6,000/year combined with gas stations, then 1x" }, { "category": "gas", "rate": 2, "cap": 6000, "capPeriod": "year", "note": "Gas stations, first $6,000/year combined with supermarkets, then 1x" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Automatic round-up to the nearest 10 points on every purchase, no cap", "10% points back on the first 100,000 points redeemed each year" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.nerdwallet.com/credit-cards/reviews/citi-rewards-plus", "https://www.citi.com/credit-cards/citi-strata-credit-card" ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/citi-strata-credit-card" }, { "id": "citi_shop_your_way_mastercard", "name": "Citi Shop Your Way\u00ae Mastercard\u00ae", "issuer": "Citi", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b4d8c", "cardType": "personal", "status": "discontinued", "baseRateUnknown": true, "isRetailCobrand": true, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [], "verifiedDate": "2026-08-21", "sources": [ "https://www.nerdwallet.com/article/credit-cards/shop-your-way-mastercard-to-be-discontinued", "https://www.citi.com/credit-cards/citi-shop-your-way-credit-card" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative)." ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/citi-shop-your-way-credit-card", "shortName": "Citi Shop Your Way\u00ae" }, { "id": "citi_simplicity", "name": "Citi Simplicity\u00ae Card", "issuer": "Citi", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#0b4d8c", "cardType": "personal", "status": "open", "baseRateUnknown": true, "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [ "No late fees, ever", "No penalty APR, ever", "No annual fee, ever", "Citi Merchant Offers statement-credit program", "Citi Entertainment presale/exclusive event access", "Free access to FICO Score", "$0 liability on unauthorized charges" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.citi.com/credit-cards/citi-simplicity-credit-card" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative)." ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/citi-simplicity-credit-card" }, { "id": "citi_strata", "name": "Citi Strata\u2120 Card", "issuer": "Citi", "network": "Mastercard", "currency": "TY", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#0b4d8c", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 5, "note": "Hotels, Car Rentals, and Attractions booked on cititravel.com" }, { "category": "groceries", "rate": 3, "note": "Supermarkets" }, { "category": "gas", "rate": 3, "note": "Select Transit and Gas & EV Charging Stations (combined bucket)" }, { "category": "CHOICE", "rate": 3, "note": "Eligible Self-Select Category of choice: Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores; default is Select Streaming Servi", "choice": true, "choiceOptions": [ "gas", "ev_charging", "office_supply", "online_retail", "dining", "travel", "drugstores", "home_improvement", "fitness", "streaming", "groceries", "transit", "entertainment" ] }, { "category": "dining", "rate": 2, "note": "Restaurants" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Points transfer to American Airlines, JetBlue, Virgin Atlantic, Cathay Pacific, Eva Air, Choice Hotels, The Leading Hotels of the World", "Citi Entertainment presale/exclusive event access", "Add Authorized Users at no additional cost", "Intro APR promo on purchases and balance transfers for new cardmembers" ], "signup": { "bonusPoints": 20000, "spendReq": 1000, "months": 3, "checkNote": "Citi injects the figure from an API after load. `npm run offer-check-browser` reads it.", "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-08-21", "sources": [ "https://www.citi.com/credit-cards/citi-strata-credit-card", "https://www.forbes.com/advisor/credit-cards/reviews/citi-strata-card/" ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/citi-strata-credit-card" }, { "id": "citi_diamond_preferred", "name": "Citi\u00ae Diamond Preferred\u00ae Card", "issuer": "Citi", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#0b4d8c", "cardType": "personal", "status": "open", "baseRateUnknown": true, "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [ "Citi Flex Pay", "Free access to FICO Score", "Citi Entertainment presale/exclusive event access", "Add Authorized Users at no additional cost", "$0 liability on unauthorized charges" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.citi.com/credit-cards/citi-diamond-preferred-credit-card" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative)." ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/citi-diamond-preferred-credit-card" }, { "id": "citi_secured_mastercard", "name": "Citi\u00ae Secured Mastercard\u00ae", "issuer": "Citi", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b4d8c", "cardType": "personal", "status": "open", "baseRateUnknown": true, "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [ "Reports to major credit bureaus to help build/rebuild credit", "Free access to FICO Score", "Citi Merchant Offers statement-credit program", "$0 liability on unauthorized charges", "Path to graduate to Citi Diamond Preferred (reviewed starting at 9 months, then every 12 months)" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.citi.com/credit-cards/citi-secured-credit-card" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative)." ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/citi-secured-credit-card", "shortName": "Citi\u00ae Secured" }, { "id": "citi_costco_anywhere_visa", "name": "Costco Anywhere Visa\u00ae Card by Citi", "issuer": "Citi", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b4d8c", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "gas", "rate": 4, "cap": 7000, "capPeriod": "year", "note": "Other eligible gas and EV charging worldwide; shares the same $7,000/year combined cap with Costco gas, then 1%" }, { "category": "dining", "rate": 3, "note": "Restaurants and eligible travel purchases worldwide, including Costco Travel" }, { "category": "online_retail", "rate": 2, "note": "All other purchases from Costco and Costco.com", "portalOnly": true, "brand": "Costco" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Doubles as Costco membership card", "Damage & theft purchase protection", "Worldwide car rental insurance", "Worldwide travel accident insurance", "Roadside assistance dispatch service", "No foreign transaction fees", "Add Authorized Users at no additional cost" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.citi.com/credit-cards/citi-costco-anywhere-visa-credit-card" ], "conversionNotes": [ "Duplicate gas rates published (5.0x and 4.0x); using the lower rate \u2014 the higher tier is usually condition-bound." ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/citi-costco-anywhere-visa-credit-card" }, { "id": "citi_dillards_store_card", "name": "Dillard's Credit Card", "issuer": "Citi", "network": "Store card (closed-loop, Dillard's only)", "currency": "POINTS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b4d8c", "cardType": "personal", "status": "open", "baseRateUnknown": true, "isRetailCobrand": true, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [ "Special financing offers on qualifying in-store purchases (deferred interest, subject to credit approval; not available online or by phone)", "Shop Your Way to Elite Status program (maintain by spending $2,000+/year in net purchases)" ], "welcomeBonusText": "10% off Welcome Shopping Pass (up to $100 discount), delivered with your first statement, after making $100 in net purchases at Dillard's on the day your account is approved.", "verifiedDate": "2026-08-21", "sources": [ "https://www.citi.com/credit-cards/dillards-credit-cards", "https://wallethub.com/d/dillards-credit-card-344c" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative).", "Brand-specific 2x rate not mapped to a category." ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/dillards-credit-cards" }, { "id": "citi_dillards_mastercard", "name": "Dillard's Mastercard\u00ae", "issuer": "Citi", "network": "Mastercard", "currency": "POINTS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#0b4d8c", "cardType": "personal", "status": "open", "isRetailCobrand": true, "earn": [ { "category": "gas", "rate": 2, "note": "2 points per $1 at U.S. gas stations" }, { "category": "groceries", "rate": 2, "note": "2 points per $1 at U.S. supermarkets and grocery stores" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Usable anywhere Mastercard is accepted, unlike the closed-loop Dillard's store card", "Special financing offers on qualifying in-store purchases (deferred interest)", "Tiered Card Elite status program (Luxe/Premium/Elite) adding perks like free shipping and bonus shopping passes at higher annual Dillard's spend" ], "welcomeBonusText": "10% off Welcome Shopping Pass (up to $100 discount), delivered with your first statement, after making $100 in net purchases at Dillard's on the day your account is approved.", "verifiedDate": "2026-08-21", "sources": [ "https://www.citi.com/credit-cards/dillards-credit-cards", "https://wallethub.com/d/dillards-credit-card-344c" ], "conversionNotes": [ "Brand-specific 2x rate not mapped to a category." ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/dillards-credit-cards" }, { "id": "citi_exxonmobil_smart_card_plus", "name": "Exxon Mobil Smart Card+\u2122 Credit Card", "issuer": "Citi", "network": "Store card (closed-loop; valid only at participating Exxon and Mobil stations)", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b4d8c", "cardType": "personal", "status": "open", "baseRateUnknown": true, "isRetailCobrand": true, "earn": [ { "category": "gas", "rate": 0.1, "note": "Real mechanic is a flat 10 cents/gallon instant discount at the pump on regular, mid-grade, and diesel fuel \u2014 not a percentage rate. Field 'rate' expresses dollars-off-per-gallon, not a points multipl" }, { "category": "*", "rate": 0 } ], "credits": [], "perks": [ "Pay at the pump via the Exxon Mobil Rewards+\u2122 mobile app", "Nationwide acceptance at 12,000+ Exxon and Mobil stations", "Discounts stack with the separate Exxon Mobil Rewards+ loyalty program" ], "welcomeBonusText": "Some third-party sources report a new-cardmember offer of an extra 30 cents/gallon in savings as a statement credit during the first two months; not directly verified on citi.com (dollar figures are JS-rendered) \u2014 treat as unconfirmed.", "verifiedDate": "2026-08-21", "sources": [ "https://www.citi.com/credit-cards/exxon-mobil-credit-card", "https://www.supermoney.com/reviews/personal-credit-cards/exxon-mobil--smart-card", "https://thepointsguy.com/deals/enhanced-exxon-mobil-smart-card/" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative).", "Duplicate gas rates published (0.12x and 0.1x); using the lower rate \u2014 the higher tier is usually condition-bound.", "Duplicate gas rates published (5.0x and 0.1x); using the lower rate \u2014 the higher tier is usually condition-bound." ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/exxon-mobil-credit-card" }, { "id": "citi_goodyear_credit_card", "name": "Goodyear\u00ae Credit Card", "issuer": "Citi", "network": "Store card (closed-loop; usable at Goodyear locations and Exxon/Mobil stations)", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b4d8c", "cardType": "personal", "status": "open", "baseRateUnknown": true, "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [ "6 months of deferred-interest special financing on purchases of $250+ (interest charged retroactively to the full original purchase balance if not paid in full within the 6-month promo period)", "Usable at 17,000+ Goodyear locations and 11,500+ Exxon and Mobil stations nationwide", "$0 liability on unauthorized charges", "Identity theft protection", "Periodic exclusive rebates on select Goodyear tires, available only to cardmembers" ], "welcomeBonusText": "$50 back via online or mail-in rebate (paid as a prepaid card) on a first qualifying purchase of $250+ (before tax) with a new Goodyear Credit Card account. Reported valid 6/1/2025-12/31/2026; reconfirm at application.", "verifiedDate": "2026-08-21", "sources": [ "https://www.citi.com/credit-cards/goodyear-credit-cards", "https://www.tirerack.com/specialoffers/goodyearCC.jsp" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative)." ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/goodyear-credit-cards" }, { "id": "citi_llbean_mastercard", "name": "L.L.Bean\u00ae Mastercard\u00ae", "issuer": "Citi", "network": "Mastercard", "currency": "BEAN_BUCKS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b4d8c", "cardType": "personal", "status": "open", "isRetailCobrand": true, "earn": [ { "category": "dining", "rate": 2, "note": "2% at restaurants; may drop to 1% at bakeries/restaurants inside department stores, grocery, or warehouse clubs due to merchant-code limitations" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Free standard shipping and free return shipping on L.L.Bean purchases paid with the card or entirely with Bean Bucks", "Free monogramming on eligible L.L.Bean items purchased with the card or Bean Bucks", "Birthday bonus for cardmembers active 45+ days prior to birth month", "15% savings on eligible L.L.Bean Outdoor Discovery Programs", "Outdoor Impact Votes toward donations to partner non-profits during an annual voting window" ], "welcomeBonusText": "Instant-approval applicants get a one-time 20% discount off their first llbean.com purchase, valid only during the same website visit as application/approval; excludes shipping, gift cards, monogramming, alterations, Outdoor Discovery Programs, L.L.Bean for Business orders, and the America the Beaut", "verifiedDate": "2026-08-21", "sources": [ "https://www.citi.com/credit-cards/citi-llbean-credit-card", "https://www.citi.com/credit-cards/retail-guide/llbean-credit-card-rewards-and-benefits", "https://www.nerdwallet.com/article/credit-cards/5-things-to-know-about-the-l-l-bean-credit-card" ], "conversionNotes": [ "Brand-specific 5pct rate not mapped to a category." ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/retail-guide/llbean-credit-card-rewards-and-benefits" }, { "id": "citi_macys_amex", "name": "Macy's American Express\u00ae Card", "issuer": "Citi", "network": "American Express", "currency": "MACYS_STAR_MONEY", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b4d8c", "cardType": "personal", "status": "open", "isRetailCobrand": true, "earn": [ { "category": "department_store", "rate": 2, "note": "Silver tier at Macy's (default status for new accounts)", "portalOnly": true, "brand": "Macy's" }, { "category": "dining", "rate": 3, "note": "Restaurants, including delivery" }, { "category": "gas", "rate": 2 }, { "category": "groceries", "rate": 2, "note": "Supermarkets" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Usable anywhere American Express is accepted, unlike the Macy's store-only card", "Amex Offers access (special merchant discounts)", "Early access to Citi Entertainment presale tickets" ], "welcomeBonusText": "New cardholders get 20% off eligible in-store purchases and 30% off macys.com purchases on the day of approval (savings capped at $100 total); some periods have also advertised a bonus-points offer for spend outside Macy's within 60 days (terms vary/unconfirmed for current cycle).", "verifiedDate": "2026-08-21", "sources": [ "https://www.citi.com/credit-cards/citi-macys-credit-card" ], "conversionNotes": [ "Duplicate department_store rates published (3x and 2x); using the lower rate \u2014 the higher tier is usually condition-bound.", "Duplicate department_store rates published (5x and 2x); using the lower rate \u2014 the higher tier is usually condition-bound." ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/citi-macys-credit-card" }, { "id": "citi_macys_store_card", "name": "Macy's Credit Card", "issuer": "Citi", "network": "Store card (closed-loop, Macy's/Macy's Backstage/macys.com only)", "currency": "MACYS_STAR_MONEY", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b4d8c", "cardType": "personal", "status": "open", "baseRateUnknown": true, "isRetailCobrand": true, "earn": [ { "category": "department_store", "rate": 2, "note": "Silver tier (default status for new accounts)", "portalOnly": true, "brand": "Macy's" }, { "category": "*", "rate": 0 } ], "credits": [], "perks": [ "Free shipping tied to Star Rewards tier ($25 minimum for Silver; no minimum for Gold/Platinum)", "Macy's App and Macy's Pay integration for in-store checkout", "Access to Star Rewards Double/Triple Points shopping events" ], "welcomeBonusText": "New cardholders get 20% off eligible in-store purchases and 30% off macys.com purchases on the day of approval (savings capped at $100 total).", "verifiedDate": "2026-08-21", "sources": [ "https://www.citi.com/credit-cards/citi-macys-credit-card" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative).", "Duplicate department_store rates published (3x and 2x); using the lower rate \u2014 the higher tier is usually condition-bound.", "Duplicate department_store rates published (5x and 2x); using the lower rate \u2014 the higher tier is usually condition-bound." ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/citi-macys-credit-card" }, { "id": "citi_bestbuy_store_card", "name": "My Best Buy\u00ae Credit Card", "issuer": "Citi", "network": "Store card (closed-loop, Best Buy only)", "currency": "BESTBUY_REWARD_CERTIFICATES", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b4d8c", "cardType": "personal", "status": "open", "baseRateUnknown": true, "isRetailCobrand": true, "earn": [ { "category": "other", "rate": 5, "note": "Best Buy only: Best Buy and bestbuy.com purchases made with Standard Credit; card cannot be used anywhere else", "portalOnly": true, "brand": "Best Buy" }, { "category": "*", "rate": 0 } ], "credits": [], "perks": [ "Store-only card usable at Best Buy and bestbuy.com (not accepted elsewhere)", "Promotional financing offers on Best Buy purchases (deferred-interest or reduced-rate installment plans)" ], "welcomeBonusText": "New cardmembers earn 10% back in rewards (double the standard 5%) on Standard Credit purchases made within the first 14 days of account opening.", "verifiedDate": "2026-09-03", "sources": [ "https://www.bestbuy.com/site/customer-service/best-buy-credit-card/pcmcat102500050032.c", "https://www.citi.com/credit-cards/citi-best-buy-credit-cards" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative)." ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/citi-best-buy-credit-cards" }, { "id": "citi_bestbuy_visa", "name": "My Best Buy\u00ae Visa\u00ae Card", "issuer": "Citi", "network": "Visa", "currency": "BESTBUY_REWARD_CERTIFICATES", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b4d8c", "cardType": "personal", "status": "open", "isRetailCobrand": true, "earn": [ { "category": "other", "rate": 5, "note": "Best Buy only: Best Buy and bestbuy.com purchases made with Standard Credit (not promotional financing)", "portalOnly": true, "brand": "Best Buy" }, { "category": "gas", "rate": 3 }, { "category": "dining", "rate": 2, "note": "Restaurants and bars" }, { "category": "groceries", "rate": 2 }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Promotional financing offers on Best Buy purchases (deferred-interest 6/12/18/24-month plans, or reduced-rate 24-48 month equal-payment plans around 11.90%-12.99% APR)", "My Best Buy Plus/Total membership ecosystem eligibility for extra financing offers and bonus reward events", "Optional My Best Buy Visa Gold tier available by creditworthiness, carrying a $59 annual fee with enhanced benefits" ], "welcomeBonusText": "New cardmembers earn 10% back in rewards (double the standard 5%) on Standard Credit purchases made within the first 14 days of account opening.", "verifiedDate": "2026-09-03", "sources": [ "https://www.bestbuy.com/site/customer-service/best-buy-credit-card/pcmcat102500050032.c", "https://www.citi.com/credit-cards/citi-best-buy-credit-cards", "https://www.bestbuy.com/site/financing-rewards/my-best-buy-visa/pcmcat748300389631.c?id=pcmcat748300389631" ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/citi-best-buy-credit-cards" }, { "id": "citi_tsc_store_card", "name": "TSC\u00ae Store Card (Tractor Supply Co.)", "issuer": "Citi", "network": "Store card (closed-loop, no network \u2014 usable only at Tractor Supply stores, Petsense stores, and TractorSupply.com)", "currency": "TSC_REWARDS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b4d8c", "cardType": "personal", "status": "open", "baseRateUnknown": true, "isRetailCobrand": true, "earn": [ { "category": "home_improvement", "rate": 5, "note": "Tractor Supply only: 5 points per $1 (5% back) on eligible Tractor Supply purchases in-store, online and on the Tractor Supply app; not other home-improvement stores", "portalOnly": true, "brand": "Tractor Supply" }, { "category": "*", "rate": 0 } ], "credits": [], "perks": [ "Automatic upgrade to Neighbor's Club Preferred Plus status (highest loyalty tier)", "Dedicated TSC cardmember customer service line", "Special financing: 6 months on purchases $199+, 12 months on $399+, 36 months at 3.99% APR on $1,599+ (deferred/promotional interest)" ], "welcomeBonusText": "Historically a tiered new-cardholder reward tied to a qualifying purchase within 30 days of account opening (amounts and windows have varied, e.g. $20-$75); current offer should be reconfirmed at application.", "verifiedDate": "2026-09-03", "sources": [ "https://www.tractorsupply.com/tsc/cms/credit-center", "https://www.citi.com/credit-cards/citi-tractor-supply-credit-cards", "https://www.citi.com/credit-cards/citi-tractor-supply-credit-cards/additional-information", "https://www.rewardexpert.com/blog/tractor-supply-credit-card/" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative)." ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/citi-tractor-supply-credit-cards/additional-information" }, { "id": "citi_tsc_visa", "name": "TSC\u00ae Visa\u00ae Card (Tractor Supply Co.)", "issuer": "Citi", "network": "Visa", "currency": "TSC_REWARDS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#0b4d8c", "cardType": "personal", "status": "open", "isRetailCobrand": true, "earn": [ { "category": "home_improvement", "rate": 5, "note": "Tractor Supply only: 5% back on eligible Tractor Supply purchases in-store, online and in-app; not other home-improvement stores", "portalOnly": true, "brand": "Tractor Supply" }, { "category": "gas", "rate": 3, "note": "3% back at gas stations, subject to merchant category classification" }, { "category": "groceries", "rate": 3, "note": "3% back at grocery stores, subject to merchant category classification (warehouse clubs may not qualify)" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Automatic upgrade to Neighbor's Club Preferred Plus status (highest loyalty tier)", "Usable anywhere Visa is accepted (unlike the closed-loop TSC Store Card)", "Visa cardholder protections: zero fraud liability, roadside dispatch, auto rental collision damage waiver, emergency card replacement", "Special financing: 6 months on purchases $199+, 12 months on $399+, 36 months at 3.99% APR on $1,599+ (deferred/promotional interest)" ], "welcomeBonusText": "Historically a tiered new-cardholder reward tied to a qualifying purchase within 30 days of account opening (amounts and windows have varied, e.g. $20-$75); current offer should be reconfirmed at application.", "verifiedDate": "2026-09-03", "sources": [ "https://www.tractorsupply.com/tsc/cms/credit-center", "https://www.citi.com/credit-cards/citi-tractor-supply-credit-cards", "https://www.citi.com/credit-cards/citi-tractor-supply-credit-cards/additional-information", "https://www.bestcards.com/credit-cards/tsc-visa-card/" ], "conversionNotes": [ "Extra base-rate tier not expressible: 3pct (3% back on veterinary service purchases (uncommon bonus category))." ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/citi-tractor-supply-credit-cards/additional-information" }, { "id": "citi_home_depot_consumer", "name": "The Home Depot\u00ae Consumer Credit Card", "issuer": "Citi", "network": "Store card (closed-loop, no network \u2014 usable only at The Home Depot stores and homedepot.com)", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b4d8c", "cardType": "personal", "status": "open", "baseRateUnknown": true, "isRetailCobrand": true, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [ "1-year return window (longer than Home Depot's standard 90-day window)", "$0 liability on unauthorized charges", "Special financing: 6 months no-interest on purchases of $299+ (deferred interest \u2014 interest charged retroactively from the purchase date if not paid in full within the promo period)", "Up to 24-month special financing during promotional periods throughout the year (deferred interest)", "Choose your own monthly payment due date" ], "welcomeBonusText": "Tiered first-purchase discount for new accounts, redeemable within 30 days of account opening: $25 off a purchase of $25\u2013$299, $50 off $300\u2013$999, or $100 off $1,000+ (excludes tax/delivery and various excluded brands). Exact current dates/terms should be reconfirmed at application.", "verifiedDate": "2026-08-21", "sources": [ "https://www.citi.com/credit-cards/citi-home-depot-consumer-credit-card", "https://www.citi.com/credit-cards/citi-home-depot-consumer-credit-card/additional-information", "https://upgradedpoints.com/credit-cards/home-depot-credit-cards/" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative)." ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/citi-home-depot-consumer-credit-card/additional-information" }, { "id": "citi_wayfair_credit_card", "name": "Wayfair Credit Card", "issuer": "Citi", "network": "Store card (closed-loop; Wayfair Family of Brands only)", "currency": "REWARD_DOLLARS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b4d8c", "cardType": "personal", "status": "open", "baseRateUnknown": true, "isRetailCobrand": true, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [ "Free enrollment in the Wayfair Rewards program (membership fee waived while the card account is open)", "Choice of earning Reward Dollars or using flexible/deferred-interest financing on qualifying purchases" ], "welcomeBonusText": "$40 off a qualifying first order of $250+ when you open a new Wayfair Credit Card (excludes Perigold and Wayfair outlet purchases; cannot combine with other offers).", "verifiedDate": "2026-08-21", "sources": [ "https://www.citi.com/credit-cards/wayfair-credit-cards", "https://wallethub.com/d/wayfair-credit-card-3305c" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative).", "Brand-specific 7pct rate not mapped to a category." ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/wayfair-credit-cards" }, { "id": "citi_wayfair_mastercard", "name": "Wayfair Mastercard\u00ae", "issuer": "Citi", "network": "Mastercard", "currency": "REWARD_DOLLARS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#0b4d8c", "cardType": "personal", "status": "open", "isRetailCobrand": true, "earn": [ { "category": "groceries", "rate": 3, "note": "3% back at grocery stores outside the Wayfair Family of Brands; convenience stores, gas stations, warehouse clubs, supercenters, and discount stores earn just the 1% base." }, { "category": "online_retail", "rate": 2, "note": "2% back on qualifying online purchases made outside Wayfair's sites/apps/stores" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Usable everywhere Mastercard is accepted, unlike the closed-loop Wayfair Credit Card", "Free enrollment in the Wayfair Rewards program (membership fee waived while the card account is open)", "Choice of earning Reward Dollars or using flexible/deferred-interest financing on qualifying Wayfair purchases" ], "welcomeBonusText": "$40 off a qualifying first order of $250+ when you open a new Wayfair Mastercard (excludes Perigold and Wayfair outlet purchases; cannot combine with other offers).", "verifiedDate": "2026-08-21", "sources": [ "https://www.citi.com/credit-cards/wayfair-credit-cards", "https://wallethub.com/d/wayfair-credit-card-3305c" ], "conversionNotes": [ "Brand-specific 7pct rate not mapped to a category." ], "country": "US", "officialUrl": "https://www.citi.com/credit-cards/wayfair-credit-cards" }, { "id": "discover_it_business", "name": "Discover it Business Card", "issuer": "Discover", "network": "Discover", "currency": "DISCOVER_CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#d2761a", "cardType": "business", "status": "closed_to_new", "baseRateUnknown": true, "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [], "verifiedDate": "2026-08-21", "sources": [ "https://www.discover.com/credit-cards/" ], "conversionNotes": [ "1 earn rule(s) dropped: no published rate.", "No published base rate; modelled as 0x on unbonused spend (conservative)." ], "country": "US", "officialUrl": "https://www.discover.com/credit-cards/" }, { "id": "discover_it_balance_transfer", "name": "Discover it Balance Transfer", "issuer": "Discover", "network": "Discover", "currency": "DISCOVER_CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#d2761a", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "ROTATING", "rate": 5, "cap": 1500, "capPeriod": "quarter", "note": "5% cash back in categories that rotate every calendar quarter \u2014 the same calendar as Discover it Cash Back; requires free quarterly activation. $1,500 is the QUARTERLY cap, not annual; over-cap and non-bonus spend earns 1%. PROVENANCE (2026-09-15): the Q4 2026 categories were read first-party on discover.com's cash-back calendar, which states verbatim \"Earn 5% Cashback Bonus at Restaurants, Entertainment and Utilities, October 1 to December 31, 2026, on up to $1,500 in purchases when you activate.\" Its Footnote 4 defines Utilities as residential electricity, natural gas and water plus internet, cable, satellite TV and mobile/landline phone bought online or over the phone (not at a physical retail store, and not through a landlord, property manager or HOA) - which is why internet and phone are encoded here alongside utilities; and Entertainment as movie theatres, sports/theatrical/concert promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, video rental, pool halls and bowling, explicitly EXCLUDING streaming and cable subscriptions, golf and country clubs, and packages coded as travel or hotel. The calendar widget errors intermittently and the calendar PDF is image-only, so a re-read should use the /credit-cards/cash-back/ cashback-calendar.html path rather than the cashback-bonus one. Discover is now \"a division of Capital One, N.A., Member FDIC\" per its own footer, and the page warns its content may not apply to cards migrated to Capital One.", "rotating": true, "quarters": { "2026Q3": [ "gas", "ev_charging", "flights", "transit", "drugstores" ], "2026Q4": [ "dining", "entertainment", "utilities", "internet", "phone" ] } }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "0% intro APR for 15 months on purchases AND balance transfers (17.49%-26.49% variable APR after); this is Discover's longest/lowest advertised intro APR offer", "$0 fraud liability on unauthorized purchases (issuer-wide benefit)" ], "welcomeBonusText": "No fixed-dollar sign-up bonus found on this card's own landing page; if it is functionally the same account as Discover it Cash Back (see notes), the Unlimited Cashback Match would apply.", "verifiedDate": "2026-09-08", "sources": [ "https://www.discover.com/credit-cards/balance-transfer-credit-cards/", "https://www.discover.com/credit-cards/cash-back/it-card/", "https://thepointsguy.com/credit-cards/activate-discover-cash-back-quarterly-categories/", "https://awardwallet.com/news/cash-back/discover-cashback-calendar/", "https://www.cnbc.com/select/discover-cash-back-calendar/", "https://www.discover.com/credit-cards/cash-back/cashback-calendar.html" ], "conversionNotes": [ "One-time credit not modelled: Cashback Match (first year) ($None)." ], "country": "US", "officialUrl": "https://www.discover.com/credit-cards/cash-back/it-card/" }, { "id": "discover_it_cash_back", "name": "Discover it Cash Back", "issuer": "Discover", "network": "Discover", "currency": "DISCOVER_CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#d2761a", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "ROTATING", "rate": 5, "cap": 1500, "capPeriod": "quarter", "note": "5% cash back in categories that rotate every calendar quarter (e.g. grocery stores, restaurants, gas stations, Amazon.com, drug stores); requires free quarterly activation. $1,500 is the QUARTERLY cap, not annual; over-cap and non-bonus spend earns 1%. PROVENANCE (2026-09-15): the Q4 2026 categories were read first-party on discover.com's cash-back calendar, which states verbatim \"Earn 5% Cashback Bonus at Restaurants, Entertainment and Utilities, October 1 to December 31, 2026, on up to $1,500 in purchases when you activate.\" Its Footnote 4 defines Utilities as residential electricity, natural gas and water plus internet, cable, satellite TV and mobile/landline phone bought online or over the phone (not at a physical retail store, and not through a landlord, property manager or HOA) - which is why internet and phone are encoded here alongside utilities; and Entertainment as movie theatres, sports/theatrical/concert promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, video rental, pool halls and bowling, explicitly EXCLUDING streaming and cable subscriptions, golf and country clubs, and packages coded as travel or hotel. The calendar widget errors intermittently and the calendar PDF is image-only, so a re-read should use the /credit-cards/cash-back/ cashback-calendar.html path rather than the cashback-bonus one. Discover is now \"a division of Capital One, N.A., Member FDIC\" per its own footer, and the page warns its content may not apply to cards migrated to Capital One.", "rotating": true, "quarters": { "2026Q3": [ "gas", "ev_charging", "flights", "transit", "drugstores" ], "2026Q4": [ "dining", "entertainment", "utilities", "internet", "phone" ] } }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "$0 fraud liability on unauthorized purchases", "Free Social Security number dark-web alerts via CreditWise", "Freeze/unfreeze account instantly via app or site", "Free FICO Score 8 via CreditWise", "24/7 human customer service (some specialized lines excluded)", "Choice of card design at signup", "Virtual card number for instant use before physical card arrives, where eligible" ], "welcomeBonusText": "No fixed-dollar sign-up bonus. Instead, Discover offers the Unlimited Cashback Match: all cash back earned in the first 365 days is automatically matched dollar-for-dollar, with no spending minimum and no cap.", "verifiedDate": "2026-09-08", "sources": [ "https://www.discover.com/credit-cards/cash-back/it-card/", "https://www.discover.com/credit-cards/cash-back/", "https://finance.yahoo.com/personal-finance/credit-cards/article/discover-rewards-calendar-163005023.html", "https://thepointsguy.com/credit-cards/activate-discover-cash-back-quarterly-categories/", "https://awardwallet.com/news/cash-back/discover-cashback-calendar/", "https://www.cnbc.com/select/discover-cash-back-calendar/", "https://www.discover.com/credit-cards/cash-back/cashback-calendar.html" ], "conversionNotes": [ "One-time credit not modelled: Cashback Match (first year) ($None)." ], "country": "US", "officialUrl": "https://www.discover.com/credit-cards/cash-back/it-card/" }, { "id": "discover_it_chrome", "name": "Discover it Chrome", "issuer": "Discover", "network": "Discover", "currency": "DISCOVER_CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#d2761a", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "gas", "rate": 2, "cap": 1000, "capPeriod": "quarter", "note": "2% cash back at gas stations, automatic (no activation needed). Shares one combined $1,000-per-QUARTER cap with restaurant purchases below (not an annual cap); purchases over the combined cap earn 1%. Issuer terms: \"You will earn 2% cash back on your first $1,000 in combined purchases at gas stations (stand-alone) and restaurants each calendar quarter.\"", "capGroup": "gas_dining" }, { "category": "dining", "rate": 2, "cap": 1000, "capPeriod": "quarter", "note": "2% cash back at restaurants, automatic (no activation needed). Shares the same combined $1,000-per-QUARTER cap with gas station purchases above; over-cap spend earns 1%. Issuer terms: \"You will earn 2% cash back on your first $1,000 in combined purchases at gas stations (stand-alone) and restaurants each calendar quarter.\"", "capGroup": "gas_dining" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "$0 fraud liability on unauthorized purchases", "Free Social Security number dark-web alerts via CreditWise", "Freeze/unfreeze account instantly via app or site", "Free FICO Score 8 via CreditWise", "24/7 human customer service (some specialized lines excluded)" ], "welcomeBonusText": "No fixed-dollar sign-up bonus. Unlimited Cashback Match doubles all cash back earned in the first 365 days, automatically, with no spending minimum and no cap.", "verifiedDate": "2026-08-21", "sources": [ "https://www.discover.com/credit-cards/cash-back/", "https://www.discover.com/credit-cards/" ], "conversionNotes": [ "One-time credit not modelled: Cashback Match (first year) ($None)." ], "country": "US", "officialUrl": "https://www.discover.com/credit-cards/cash-back/" }, { "id": "discover_it_miles", "name": "Discover it Miles", "issuer": "Discover", "network": "Discover", "currency": "DISCOVER_CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#d2761a", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "$0 fraud liability on unauthorized purchases", "Free Social Security number dark-web alerts via CreditWise", "Freeze/unfreeze account instantly via app or site", "Free FICO Score 8 via CreditWise", "24/7 human customer service (some specialized lines excluded)", "Miles can be redeemed as a statement credit for airfare, hotels, rideshare, gas, restaurants and more, or converted to cash" ], "welcomeBonusText": "No fixed-dollar sign-up bonus. Unlimited Discover Match doubles all miles earned in the first 365 days, automatically, with no spending minimum and no cap.", "verifiedDate": "2026-08-21", "sources": [ "https://www.discover.com/credit-cards/travel/", "https://www.discover.com/credit-cards/" ], "conversionNotes": [ "One-time credit not modelled: Discover Match (first year) ($None)." ], "country": "US", "officialUrl": "https://www.discover.com/credit-cards/travel/" }, { "id": "discover_it_secured", "name": "Discover it Secured Cash Back", "issuer": "Discover", "network": "Discover", "currency": "DISCOVER_CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#d2761a", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "gas", "rate": 2, "cap": 1000, "capPeriod": "quarter", "note": "Discover it Secured does NOT use the rotating 5% calendar. 2% is earned at gas stations and restaurants on up to $1,000 in COMBINED purchases each quarter (this cap is shared with the other 2% row, not additional to it); everything else, and anything over the cap, earns 1%. Issuer terms: \"You earn a full 2% Cashback Bonus on your first $1,000 in combined purchases at Gas Stations (stand-alone) and Restaurants each calendar quarter.\"", "capGroup": "gas_dining" }, { "category": "dining", "rate": 2, "cap": 1000, "capPeriod": "quarter", "note": "Discover it Secured does NOT use the rotating 5% calendar. 2% is earned at gas stations and restaurants on up to $1,000 in COMBINED purchases each quarter (this cap is shared with the other 2% row, not additional to it); everything else, and anything over the cap, earns 1%. Issuer terms: \"You earn a full 2% Cashback Bonus on your first $1,000 in combined purchases at Gas Stations (stand-alone) and Restaurants each calendar quarter.\"", "capGroup": "gas_dining" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "No credit score required to apply (issuer may use one if available)", "Refundable security deposit as low as $49 (deposit is $49, $99, or $200 depending on creditworthiness) unlocks a credit line starting at $200", "Automatic account review for upgrade to unsecured Discover it Cash Back with deposit refunded, based on responsible use", "$0 fraud liability on unauthorized purchases", "Free Social Security number dark-web alerts via CreditWise", "Freeze/unfreeze account instantly via app or site", "Free FICO Score 8 via CreditWise", "24/7 human customer service (some specialized lines excluded)" ], "welcomeBonusText": "No fixed-dollar sign-up bonus. Unlimited Cashback Match doubles all cash back earned in year one with no cap. Refundable deposit (not an annual fee) as low as $49 required to open the account.", "verifiedDate": "2026-09-08", "sources": [ "https://www.discover.com/credit-cards/secured-credit-card/", "https://www.nerdwallet.com/credit-cards/reviews/discover-it-secured", "https://thepointsguy.com/guide/discover-it-secured-credit-card-review" ], "conversionNotes": [ "One-time credit not modelled: Cashback Match (first year) ($None)." ], "country": "US", "officialUrl": "https://www.discover.com/credit-cards/secured-credit-card/" }, { "id": "discover_it_student_cash_back", "name": "Discover it Student Cash Back", "issuer": "Discover", "network": "Discover", "currency": "DISCOVER_CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#d2761a", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "ROTATING", "rate": 5, "cap": 1500, "capPeriod": "quarter", "note": "5% cash back in categories that rotate every calendar quarter (same calendar as the non-student Discover it Cash Back); requires free quarterly activation. $1,500 is the QUARTERLY cap, not annual; over-cap and non-bonus spend earns 1%. PROVENANCE (2026-09-15): the Q4 2026 categories were read first-party on discover.com's cash-back calendar, which states verbatim \"Earn 5% Cashback Bonus at Restaurants, Entertainment and Utilities, October 1 to December 31, 2026, on up to $1,500 in purchases when you activate.\" Its Footnote 4 defines Utilities as residential electricity, natural gas and water plus internet, cable, satellite TV and mobile/landline phone bought online or over the phone (not at a physical retail store, and not through a landlord, property manager or HOA) - which is why internet and phone are encoded here alongside utilities; and Entertainment as movie theatres, sports/theatrical/concert promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, video rental, pool halls and bowling, explicitly EXCLUDING streaming and cable subscriptions, golf and country clubs, and packages coded as travel or hotel. The calendar widget errors intermittently and the calendar PDF is image-only, so a re-read should use the /credit-cards/cash-back/ cashback-calendar.html path rather than the cashback-bonus one. Discover is now \"a division of Capital One, N.A., Member FDIC\" per its own footer, and the page warns its content may not apply to cards migrated to Capital One.", "rotating": true, "quarters": { "2026Q3": [ "gas", "ev_charging", "flights", "transit", "drugstores" ], "2026Q4": [ "dining", "entertainment", "utilities", "internet", "phone" ] } }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "$0 fraud liability on unauthorized purchases", "Free Social Security number dark-web alerts via CreditWise", "Freeze/unfreeze account instantly via app or site", "Free FICO Score 8 via CreditWise", "24/7 human customer service (some specialized lines excluded)", "No credit score required to apply (issuer may use one if available)" ], "welcomeBonusText": "$100 statement credit after $300 spend in the first 3 months (limited-time offer, confirm current availability), PLUS the Unlimited Cashback Match doubling all cash back earned in year one with no cap.", "verifiedDate": "2026-09-08", "sources": [ "https://www.discover.com/credit-cards/student-credit-card/", "https://www.discover.com/credit-cards/", "https://thepointsguy.com/credit-cards/activate-discover-cash-back-quarterly-categories/", "https://awardwallet.com/news/cash-back/discover-cashback-calendar/", "https://www.cnbc.com/select/discover-cash-back-calendar/", "https://www.discover.com/credit-cards/cash-back/cashback-calendar.html" ], "conversionNotes": [ "One-time credit not modelled: New cardholder bonus ($100).", "One-time credit not modelled: Cashback Match (first year) ($None)." ], "country": "US", "officialUrl": "https://www.discover.com/credit-cards/student-credit-card/" }, { "id": "discover_it_student_chrome", "name": "Discover it Student Chrome", "issuer": "Discover", "network": "Discover", "currency": "DISCOVER_CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#d2761a", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "gas", "rate": 2, "cap": 1000, "capPeriod": "quarter", "note": "2% cash back at gas stations, automatic. Shares one combined $1,000-per-QUARTER cap with restaurant purchases below; over-cap spend earns 1%. Issuer terms: \"Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically.\"", "capGroup": "gas_dining" }, { "category": "dining", "rate": 2, "cap": 1000, "capPeriod": "quarter", "note": "2% cash back at restaurants, automatic. Shares the same combined $1,000-per-QUARTER cap with gas station purchases above; over-cap spend earns 1%. Issuer terms: \"Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically.\"", "capGroup": "gas_dining" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "$0 fraud liability on unauthorized purchases", "Free Social Security number dark-web alerts via CreditWise", "Freeze/unfreeze account instantly via app or site", "Free FICO Score 8 via CreditWise", "24/7 human customer service (some specialized lines excluded)", "No credit score required to apply (issuer may use one if available)" ], "welcomeBonusText": "No fixed-dollar sign-up bonus found for this card as of Aug 2026 (unlike its Student Cash Back sibling, which carries a $100/$300-spend offer). Unlimited Cashback Match doubles all cash back earned in year one with no cap.", "verifiedDate": "2026-08-21", "sources": [ "https://www.discover.com/credit-cards/student-credit-card/", "https://www.discover.com/credit-cards/" ], "conversionNotes": [ "One-time credit not modelled: Cashback Match (first year) ($None)." ], "country": "US", "officialUrl": "https://www.discover.com/credit-cards/student-credit-card/" }, { "id": "discover_nhl_it", "name": "NHL Discover it", "issuer": "Discover", "network": "Discover", "currency": "DISCOVER_CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#d2761a", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "ROTATING", "rate": 5, "cap": 1500, "capPeriod": "quarter", "note": "5% cash back in categories that rotate every calendar quarter (same calendar/categories as Discover it Cash Back); requires free quarterly activation. $1,500 is the QUARTERLY cap, not annual; over-cap and non-bonus spend earns 1%. PROVENANCE (2026-09-15): the Q4 2026 categories were read first-party on discover.com's cash-back calendar, which states verbatim \"Earn 5% Cashback Bonus at Restaurants, Entertainment and Utilities, October 1 to December 31, 2026, on up to $1,500 in purchases when you activate.\" Its Footnote 4 defines Utilities as residential electricity, natural gas and water plus internet, cable, satellite TV and mobile/landline phone bought online or over the phone (not at a physical retail store, and not through a landlord, property manager or HOA) - which is why internet and phone are encoded here alongside utilities; and Entertainment as movie theatres, sports/theatrical/concert promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, video rental, pool halls and bowling, explicitly EXCLUDING streaming and cable subscriptions, golf and country clubs, and packages coded as travel or hotel. The calendar widget errors intermittently and the calendar PDF is image-only, so a re-read should use the /credit-cards/cash-back/ cashback-calendar.html path rather than the cashback-bonus one. Discover is now \"a division of Capital One, N.A., Member FDIC\" per its own footer, and the page warns its content may not apply to cards migrated to Capital One.", "rotating": true, "quarters": { "2026Q3": [ "gas", "ev_charging", "flights", "transit", "drugstores" ], "2026Q4": [ "dining", "entertainment", "utilities", "internet", "phone" ] } }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Card art customizable with any of the 31 NHL team logos", "$0 fraud liability on unauthorized purchases", "Free Social Security number dark-web alerts via CreditWise", "Freeze/unfreeze account instantly via app or site", "Free FICO Score 8 via CreditWise", "24/7 human customer service (some specialized lines excluded)" ], "welcomeBonusText": "No fixed-dollar sign-up bonus. Unlimited Cashback Match doubles all cash back earned in year one with no cap. Identical reward economics to Discover it Cash Back; the only differentiator is team-branded card art.", "verifiedDate": "2026-09-08", "sources": [ "https://www.discover.com/credit-cards/cash-back/nhl-card/", "https://finance.yahoo.com/personal-finance/credit-cards/article/best-discover-credit-cards-191129586.html", "https://thepointsguy.com/credit-cards/activate-discover-cash-back-quarterly-categories/", "https://awardwallet.com/news/cash-back/discover-cashback-calendar/", "https://www.cnbc.com/select/discover-cash-back-calendar/", "https://www.discover.com/credit-cards/cash-back/cashback-calendar.html" ], "conversionNotes": [ "One-time credit not modelled: Cashback Match (first year) ($None)." ], "country": "US", "officialUrl": "https://www.discover.com/credit-cards/cash-back/nhl-card/" }, { "id": "usbank_business_altitude_power", "name": "U.S. Bank Business Altitude Power Visa Signature Card", "issuer": "U.S. Bank", "network": "Visa", "currency": "USB_POINTS", "annualFee": 195, "annualFeeUnknown": false, "fxFee": 0, "color": "#123a6b", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 6, "note": "prepaid hotel and car rental reservations booked directly in the Travel Center (2 base + 4 additional)" }, { "category": "*", "rate": 2 } ], "credits": [], "perks": [ "U.S. Bank Spend Management platform", "U.S. Bank ExtendPay Plans", "No annual fee for employee/additional cards" ], "welcomeBonusText": "75,000 points after $10,000 in eligible net purchases on the Account Owner's card within 120 days of account opening", "verifiedDate": "2026-08-21", "sources": [ "https://www.usbank.com/business-banking/business-credit-cards/business-altitude-power-credit-card.html", "https://www.usbank.com/business-banking/business-credit-cards.html", "https://pointsnav.com/credit-cards/us-bank-business-altitude-power" ], "conversionNotes": [ "Extra base-rate tier not expressible: 2.5x (mobile wallet (Apple Pay, Samsung Pay, Google Wallet, Garmin Pay) and U.S. Bank Spend Mana)." ], "country": "US", "officialUrl": "https://www.usbank.com/business-banking/business-credit-cards/business-altitude-power-credit-card.html", "shortName": "Business Altitude Power" }, { "id": "usbank_business_altitude_connect", "name": "U.S. Bank Business Altitude Connect Visa Signature Card", "issuer": "U.S. Bank", "network": "Visa", "currency": "USB_POINTS", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0, "color": "#123a6b", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 5, "note": "prepaid hotel and car rental reservations booked directly in the Travel Center" }, { "category": "travel", "rate": 4, "cap": 37500, "capPeriod": "quarter", "note": "combined travel category purchases (airfare, hotels, car rentals, taxis, limos, trains, cruise lines) AND gas station/EV charging station purchases; cap is $150,000 in COMBINED spend per ACCOUNT CALEN" }, { "category": "dining", "rate": 2, "note": "restaurant, fast-food and bar purchases (dining, takeout, restaurant delivery)" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "usbank_business_altitude_connect-rideshare-taxi-statement-credit", "label": "Rideshare/taxi statement credit", "amount": 100, "period": "year", "cadence": "quarterly", "categories": [ "rideshare" ], "note": "Requires at least one rideshare/taxi purchase per month for 3 consecutive months; the credit posts the following month, after which a new 3-consecutive-month earning window begins immediately -- functionally repeatable r" } ], "perks": [ "Priority Pass Digital annual membership: 1,800+ VIP lounges worldwide, 4 complimentary visits per membership year", "Auto rental collision damage waiver, lost luggage insurance, travel assistance services", "Points transferable between this card and personal U.S. Bank Altitude Go or Altitude Connect cards", "0% intro APR for 15 billing cycles on purchases and balance transfers", "U.S. Bank Spend Management platform", "Free employee/additional cards", "Real-Time Rewards" ], "welcomeBonusText": "75,000 points after $6,000 in eligible net purchases on the Account Owner's card within 180 days of account opening", "verifiedDate": "2026-08-21", "sources": [ "https://www.usbank.com/business-banking/business-credit-cards/business-altitude-connect-credit-card.html", "https://www.usbank.com/business-banking/business-credit-cards.html", "https://www.nerdwallet.com/business/credit-cards/reviews/us-bank-business-altitude-connect" ], "conversionNotes": [ "Extra base-rate tier not expressible: 2x (cell phone service provider purchases)." ], "country": "US", "officialUrl": "https://www.usbank.com/business-banking/business-credit-cards/business-altitude-connect-credit-card.html", "shortName": "Business Altitude Connect" }, { "id": "usbank_business_leverage", "name": "U.S. Bank Business Leverage Visa Signature Card", "shortName": "Business Leverage", "issuer": "U.S. Bank", "network": "Visa", "currency": "USB_POINTS", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0, "color": "#123a6b", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "CHOICE", "rate": 2, "note": "automatically earns 2x in the TOP TWO spend categories each month, chosen automatically from ~48 eligible merchant categories (e.g. construction materials, office supply stores, advertising firms, uti", "choice": true, "choiceOptions": [ "gas", "ev_charging", "office_supply", "online_retail", "dining", "travel", "drugstores", "home_improvement", "fitness", "streaming", "groceries", "transit", "entertainment" ] }, { "category": "CHOICE", "rate": 2, "note": "automatically earns 2x in the TOP TWO spend categories each month, chosen automatically from ~48 eligible merchant categories (e.g. construction materials, office supply stores, advertising firms, uti", "choice": true, "choiceOptions": [ "gas", "ev_charging", "office_supply", "online_retail", "dining", "travel", "drugstores", "home_improvement", "fitness", "streaming", "groceries", "transit", "entertainment" ] }, { "category": "travel_portal", "rate": 5, "note": "prepaid hotel and car rental reservations booked directly in the Travel Center" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "0% intro APR for 12 billing cycles on purchases and balance transfers", "U.S. Bank Spend Management platform", "U.S. Bank ExtendPay Plans", "Real-Time Rewards", "Free employee cards", "Points expire 5 years from the end of the calendar quarter in which they were earned (different expiration rule than most other U.S. Bank cards, which expire after 12 months of account inactivity)" ], "welcomeBonusText": "60,000 points (marketed as up to $600 in value) after $6,000 in eligible net purchases on the Account Owner's card within 120 days of account opening", "verifiedDate": "2026-09-08", "sources": [ "https://www.usbank.com/business-banking/business-credit-cards/business-leverage-rewards-credit-card.html" ], "country": "US", "officialUrl": "https://www.usbank.com/business-banking/business-credit-cards/business-leverage-rewards-credit-card.html" }, { "id": "usbank_business_platinum", "name": "U.S. Bank Business Platinum Card", "issuer": "U.S. Bank", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#123a6b", "cardType": "business", "status": "discontinued", "baseRateUnknown": true, "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [], "verifiedDate": "2026-08-21", "sources": [ "https://www.usbank.com/business-banking/business-credit-cards/business-platinum-credit-card.html", "https://ir.usbank.com/news-events/news/news-details/2026/U-S--Bank-Business-Shield-Visa-Card-Offers-Intro-0-APR-for-up-to-18-Billing-Cycles/default.aspx" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative)." ], "country": "US", "officialUrl": "https://www.usbank.com/business-banking/business-credit-cards/business-platinum-credit-card.html" }, { "id": "usbank_business_shield", "name": "U.S. Bank Business Shield Visa Card", "issuer": "U.S. Bank", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123a6b", "cardType": "business", "status": "open", "baseRateUnknown": true, "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 5, "note": "cash back on prepaid airfare, hotel and car reservations booked directly in the Travel Center" }, { "category": "*", "rate": 0 } ], "credits": [ { "id": "usbank_business_shield-annual-travel-center-statement-cre", "label": "Annual Travel Center statement credit", "amount": 50, "period": "year", "cadence": "annual", "categories": [ "hotels" ], "note": "$50 statement credit after $5,000 or more in total qualified Travel Center bookings within each 12-month period starting on account open date and restarting on each account anniversary.", "resetsOn": "anniversary" } ], "perks": [ "0% intro APR for 12 billing cycles on purchases and balance transfers (U.S. Bank's longest standard business intro-APR offer)", "Purchase Security (reimbursement if an eligible purchased item is stolen or damaged)", "Zero fraud liability", "U.S. Bank Spend Management platform", "3-month $0-fee ExtendPay Plan offer each calendar year after the intro purchase APR expires", "Free employee cards" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.usbank.com/business-banking/business-credit-cards/business-shield-credit-card.html" ], "conversionNotes": [ "1 earn rule(s) dropped: no published rate.", "No published base rate; modelled as 0x on unbonused spend (conservative)." ], "country": "US", "officialUrl": "https://www.usbank.com/business-banking/business-credit-cards/business-shield-credit-card.html" }, { "id": "usbank_business_triple_cash_rewards", "name": "U.S. Bank Triple Cash Rewards Visa Business Card", "shortName": "Triple Cash Rewards", "issuer": "U.S. Bank", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123a6b", "cardType": "business", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "gas", "rate": 3, "note": "gas and EV charging station purchases; transactions of $200 or less qualify for 3% -- any excess over $200 in a single transaction earns 1%; excludes wholesale clubs/discount stores" }, { "category": "office_supply", "rate": 3, "note": "office supply stores" }, { "category": "dining", "rate": 3, "note": "restaurants and restaurant delivery" }, { "category": "travel_portal", "rate": 5, "note": "1% base + 4% additional cash back on prepaid airfare, car and hotel reservations booked directly in the Travel Center" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "usbank_business_triple_cash_rewards-software-subscription-statement-cr", "label": "Software subscription statement credit", "amount": 100, "period": "year", "cadence": "annual", "categories": [], "note": "Automatic statement credit of $100 per 12-month period following 11 consecutive months of eligible recurring software service purchases made directly with a software provider; purchases through discount/retail stores or ", "automatic": true } ], "perks": [ "0% intro APR for 12 billing cycles on purchases and balance transfers", "U.S. Bank Spend Management platform", "U.S. Bank ExtendPay Plans", "Real-Time Rewards", "Free employee cards" ], "welcomeBonusText": "$750 cash back after $6,000 in eligible net purchases on the Account Owner's card within 180 days of account opening", "verifiedDate": "2026-09-03", "sources": [ "https://www.usbank.com/business-banking/business-credit-cards/business-triple-cash-back-credit-card.html", "https://www.usbank.com/business-banking/business-credit-cards.html" ], "conversionNotes": [ "Extra base-rate tier not expressible: 3pct (cell phone service providers)." ], "country": "US", "officialUrl": "https://www.usbank.com/business-banking/business-credit-cards/business-triple-cash-back-credit-card.html" }, { "id": "usbank_altitude_reserve", "name": "U.S. Bank Altitude Reserve Visa Infinite Card", "issuer": "U.S. Bank", "network": "Visa", "currency": "USB_POINTS", "annualFee": 400, "annualFeeUnknown": false, "fxFee": 0, "color": "#123a6b", "cardType": "personal", "status": "closed_to_new", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 5, "note": "prepaid hotel and car rental reservations booked directly in the U.S. Bank Altitude Rewards Center (Travel Center)" }, { "category": "travel", "rate": 3, "note": "eligible travel purchases made directly with airlines, hotels, car rentals, etc." }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "usbank_altitude_reserve-annual-travel-dining-statement-cre", "label": "Annual travel/dining statement credit", "amount": 325, "period": "year", "cadence": "annual", "categories": [ "dining" ], "note": "Applies automatically to travel and dining purchases up to $325 per cardmember year (resets on account anniversary, not calendar year). Amount and mechanics sourced from a third-party review (firstcard.app, dated 2026-05", "resetsOn": "anniversary" }, { "id": "usbank_altitude_reserve-global-entry-tsa-precheck-applicat", "label": "Global Entry / TSA PreCheck application fee credit", "amount": 30, "period": "year", "cadence": "every4y", "categories": [ "travel" ], "note": "Up to $120 for Global Entry (or ~$85 TSA PreCheck) once every 4 years \u2014 shown as $30/yr amortized. Does not expire yearly." } ], "perks": [ "Priority Pass Select membership with 8 complimentary lounge visits per cardmember year (~$35 per additional visit)", "Visa Infinite travel and emergency assistance services", "Auto rental collision damage waiver (primary)", "Lost luggage reimbursement", "Trip cancellation/interruption protection", "Airline and hotel transfer partners added August 2026 despite the card being closed to new applicants" ], "welcomeBonusText": "50,000 points after $4,500 in purchases within the first 90 days (worth roughly $750 when redeemed for travel through the Altitude Rewards Center at 1.5 cents/point; historical offer, may no longer be available since the card is closed to new applicants)", "verifiedDate": "2026-08-21", "sources": [ "https://www.usbank.com/credit-cards/altitude-reserve-visa-infinite-credit-card.html" ], "conversionNotes": [ "Extra base-rate tier not expressible: 3x (DEFINING FEATURE: 3x on mobile wallet purchases made with Apple Pay, Google Pay, or Samsun)." ], "country": "US", "officialUrl": "https://www.usbank.com/credit-cards/altitude-reserve-visa-infinite-credit-card.html", "shortName": "Altitude Reserve" }, { "id": "usbank_shopper_cash_rewards", "name": "U.S. Bank Shopper Cash Rewards Visa Signature Card", "issuer": "U.S. Bank", "network": "Visa", "currency": "CASH", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#123a6b", "cardType": "personal", "status": "closed_to_new", "baseRateUnknown": true, "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [], "verifiedDate": "2026-08-21", "sources": [ "https://www.usbank.com/credit-cards/shopper-cash-rewards-visa-signature-credit-card.html", "https://www.usbank.com/credit-cards.html", "https://www.nerdwallet.com/credit-cards/news/us-bank-shopper-cash-rewards-closes-to-new-applicants" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative)." ], "country": "US", "officialUrl": "https://www.usbank.com/credit-cards/shopper-cash-rewards-visa-signature-credit-card.html" }, { "id": "usbank_altitude_connect", "name": "U.S. Bank Altitude Connect Visa Signature Card", "shortName": "Altitude Connect", "issuer": "U.S. Bank", "network": "Visa", "currency": "USB_POINTS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123a6b", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 5, "note": "prepaid hotel and car rental reservations booked directly in the Travel Center" }, { "category": "travel", "rate": 4, "note": "travel category purchases made directly with airlines, hotels, car rentals, taxis, limos, trains, cruise lines" }, { "category": "gas", "rate": 4, "cap": 1000, "capPeriod": "quarter", "note": "gas station and EV charging station purchases; cap is $1,000 PER QUARTER (not annual); excludes wholesale clubs, discount stores/supercenters and grocery stores" }, { "category": "dining", "rate": 2, "note": "restaurant, fast-food and bar purchases" }, { "category": "streaming", "rate": 2, "note": "qualifying streaming subscription services" }, { "category": "groceries", "rate": 2, "note": "excludes wholesale clubs and discount stores/supercenters such as Target and Walmart" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "usbank_altitude_connect-global-entry-tsa-precheck-applicat", "label": "Global Entry / TSA PreCheck application fee credit", "amount": 30, "period": "year", "cadence": "every4y", "categories": [ "travel" ], "note": "Up to $120 for Global Entry (or ~$85 TSA PreCheck) once every 4 years \u2014 shown as $30/yr amortized. Does not expire yearly." } ], "perks": [ "Priority Pass Select 12-month airport lounge membership (separate enrollment required at prioritypass.com/usbankaltitudeconnect)", "Auto rental collision damage waiver", "Trip delay/cancellation/interruption reimbursement (register flights at altitudeconnect.smartdelay.com)", "GigSky complimentary global mobile data plans in 175+ countries -- benefit is redeemable only through November 30, 2026 per current terms; confirm status after that date", "0% intro APR for 15 billing cycles on purchases and balance transfers", "Real-Time Rewards (instant point redemption via text)" ], "welcomeBonusText": "20,000 points after $1,000 in net purchases within 90 days of account opening", "verifiedDate": "2026-08-21", "sources": [ "https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html" ], "country": "US", "officialUrl": "https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html" }, { "id": "usbank_altitude_go", "name": "U.S. Bank Altitude Go Visa Signature Card", "shortName": "Altitude Go", "issuer": "U.S. Bank", "network": "Visa", "currency": "USB_POINTS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#123a6b", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "dining", "rate": 4, "cap": 2000, "capPeriod": "quarter", "note": "restaurant, fast-food and bar purchases (dining, takeout, restaurant delivery); cap is $2,000 PER QUARTER (not annual)" }, { "category": "groceries", "rate": 2, "note": "excludes wholesale clubs and discount stores/supercenters" }, { "category": "gas", "rate": 2, "note": "gas stations and EV charging stations; excludes wholesale clubs, discount stores/supercenters and grocery stores" }, { "category": "streaming", "rate": 2, "note": "qualifying streaming subscription services" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "usbank_altitude_go-annual-streaming-service-statement", "label": "Annual streaming service statement credit", "amount": 15, "period": "year", "cadence": "annual", "categories": [ "streaming" ], "note": "Automatic statement credit applied within 2 billing cycles following 11 consecutive calendar months of eligible streaming purchases; then a new 12-month earning period begins." } ], "perks": [ "0% intro APR for 15 billing cycles on purchases and balance transfers", "U.S. Bank ExtendPay Plans (installment payment option)", "Real-Time Rewards (instant point redemption via text)" ], "welcomeBonusText": "20,000 points after $1,000 in net purchases within 90 days of account opening", "verifiedDate": "2026-08-21", "sources": [ "https://www.usbank.com/credit-cards/altitude-go-visa-signature-credit-card.html" ], "country": "US", "officialUrl": "https://www.usbank.com/credit-cards/altitude-go-visa-signature-credit-card.html" }, { "id": "usbank_cash_plus", "name": "U.S. Bank Cash+ Visa Signature Card", "issuer": "U.S. Bank", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123a6b", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "CHOICE", "rate": 5, "cap": 2000, "capPeriod": "quarter", "note": "cardholder chooses TWO 5% categories each quarter (e.g., fast food, home utilities, TV/internet/streaming, department stores, cell phone providers, electronics stores, sporting goods, furniture, movie theaters). U.S. Bank's terms: \"You will earn 5% cash back on your first $2,000 in combined Net Purchases ... in your two chosen 5% categories\" - ONE COMBINED $2,000 per quarter across BOTH chosen categories, not $2,000 each. Issuer terms: \"You will earn 5% cash back on your first $2,000 in combined Net Purchases (purchases minus returns or credits) in your two chosen 5% categories.\"", "choice": true, "choiceOptions": [ "gas", "ev_charging", "office_supply", "online_retail", "dining", "travel", "drugstores", "home_improvement", "fitness", "streaming", "groceries", "transit", "entertainment" ], "capGroup": "choice_5pct" }, { "category": "CHOICE", "rate": 5, "cap": 2000, "capPeriod": "quarter", "note": "cardholder chooses TWO 5% categories each quarter (e.g., fast food, home utilities, TV/internet/streaming, department stores, cell phone providers, electronics stores, sporting goods, furniture, movie theaters). U.S. Bank's terms: \"You will earn 5% cash back on your first $2,000 in combined Net Purchases ... in your two chosen 5% categories\" - ONE COMBINED $2,000 per quarter across BOTH chosen categories, not $2,000 each. Issuer terms: \"You will earn 5% cash back on your first $2,000 in combined Net Purchases (purchases minus returns or credits) in your two chosen 5% categories.\"", "choice": true, "choiceOptions": [ "gas", "ev_charging", "office_supply", "online_retail", "dining", "travel", "drugstores", "home_improvement", "fitness", "streaming", "groceries", "transit", "entertainment" ], "capGroup": "choice_5pct" }, { "category": "CHOICE", "rate": 2, "note": "cardholder chooses ONE everyday category each quarter: gas stations/EV charging, grocery stores, or restaurants (excludes wholesale clubs and discount stores/supercenters); no cap on 2% earnings", "choice": true, "choiceOptions": [ "gas", "ev_charging", "groceries", "dining" ] }, { "category": "travel_portal", "rate": 5, "note": "1% base + 4% additional cash back on prepaid air, car and hotel reservations booked directly in the Travel Center" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "0% intro APR for 15 billing cycles on purchases and balance transfers", "Personalized cash-back merchant deals via U.S. Bank Mobile App/online banking", "Real-Time Rewards (instant redemption via text)", "U.S. Bank ExtendPay Plans" ], "welcomeBonusText": "$200 bonus after $1,000 in eligible purchases within 90 days of account opening (marketed as a limited-time offer)", "verifiedDate": "2026-09-15", "sources": [ "https://www.usbank.com/credit-cards/cash-plus-visa-signature-credit-card.html" ], "country": "US", "officialUrl": "https://www.usbank.com/credit-cards/cash-plus-visa-signature-credit-card.html" }, { "id": "usbank_college", "name": "U.S. Bank College Visa Card", "issuer": "U.S. Bank", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123a6b", "cardType": "personal", "status": "discontinued", "baseRateUnknown": true, "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [], "verifiedDate": "2026-09-04", "sources": [ "https://www.usbank.com/site-map.html", "https://www.usbank.com/credit-cards.html", "https://www.wisebread.com/us-bank-college-visa-credit-card-review", "https://wallethub.com/d/us-bank-college-credit-card-2085c" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative).", "Annual fee $0, confirmed \u2014 student cards from U.S. Bank are consistently no-fee; card is discontinued so no longer on usbank.com." ], "country": "US", "officialUrl": "https://www.usbank.com/site-map.html" }, { "id": "usbank_harley_davidson", "name": "U.S. Bank Harley-Davidson Visa Card", "issuer": "U.S. Bank", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.05, "color": "#123a6b", "cardType": "personal", "status": "open", "baseRateUnknown": true, "isRetailCobrand": true, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [], "verifiedDate": "2026-08-21", "sources": [ "https://www.usbank.com/site-map.html", "https://www.supermoney.com/reviews/personal-credit-cards/us-bank--harleydavidson-signature-visa" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative)." ], "country": "US", "officialUrl": "https://www.usbank.com/site-map.html" }, { "id": "usbank_secured", "name": "U.S. Bank Secured Visa Card", "issuer": "U.S. Bank", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#123a6b", "cardType": "personal", "status": "open", "baseRateUnknown": true, "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0 } ], "credits": [], "perks": [ "Free credit score access anytime via TransUnion CreditView Dashboard (U.S. Bank online/mobile banking customers)", "Choose your own payment due date", "Zero fraud liability for unauthorized transactions", "Refundable security deposit of $300-$5,000 sets the credit limit, held in an FDIC-insured, interest-bearing secured savings account, returned upon upgrade or account closure in good standing", "Activity reported monthly to all three major credit bureaus to help build/rebuild credit" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.usbank.com/credit-cards/secured-visa-credit-card.html" ], "conversionNotes": [ "No published base rate; modelled as 0x on unbonused spend (conservative)." ], "country": "US", "officialUrl": "https://www.usbank.com/credit-cards/secured-visa-credit-card.html" }, { "id": "usbank_shield_visa_personal", "name": "U.S. Bank Shield Visa Card", "issuer": "U.S. Bank", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#123a6b", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 4, "note": "4% cash back on prepaid air, hotel, and car reservations booked directly through the U.S. Bank Travel Center" }, { "category": "*", "rate": 0 } ], "credits": [ { "id": "usbank_shield_visa_personal-annual-purchase-activity-statement", "label": "Annual purchase-activity statement credit", "amount": 20, "period": "year", "cadence": "annual", "categories": [], "note": "Automatic $20 statement credit posted within 2 billing cycles after 11 consecutive calendar months with at least one purchase; recurs every 12-month period the pattern is maintained. Account must be in good standing.", "automatic": true } ], "perks": [ "Cell phone protection up to $600 (reimbursed for theft/damage when the monthly cell bill is paid with the card)", "Auto rental collision damage waiver", "Extended warranty protection", "Purchase security", "Free TransUnion VantageScore credit score access via online/mobile banking", "U.S. Bank ExtendPay Plan: $0-fee 3-month payment plan offer available once per calendar year after the intro APR period ends", "0% intro APR for 21 billing cycles on purchases and balance transfers (then a variable 17.74%-28.74% APR; balance transfer fee 5%/$5 min)", "Real-Time Rewards redemption via text message" ], "verifiedDate": "2026-08-21", "sources": [ "https://www.usbank.com/credit-cards/shield-visa-credit-card.html", "https://upgradedpoints.com/credit-cards/reviews/us-bank-shield-visa-card/", "https://wallethub.com/answers/cc/us-bank-foreign-transaction-fee-1000339-2140666964/" ], "country": "US", "officialUrl": "https://www.usbank.com/credit-cards/shield-visa-credit-card.html" }, { "id": "usbank_smartly", "name": "U.S. Bank Smartly Visa Signature Card", "issuer": "U.S. Bank", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#123a6b", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 2 } ], "credits": [], "perks": [ "0% intro APR for 12 billing cycles on purchases and balance transfers", "Flexible redemption: deposit to U.S. Bank checking/savings, statement credit, rewards card, gift cards" ], "welcomeBonusText": "None -- this card does not offer a traditional sign-up/welcome bonus", "verifiedDate": "2026-08-21", "sources": [ "https://www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html", "https://www.forbes.com/advisor/credit-cards/reviews/us-bank-smartly-visa-signature/" ], "country": "US", "officialUrl": "https://www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html" }, { "id": "aaa_daily_advantage", "name": "AAA Daily Advantage Visa Signature", "issuer": "Comenity Capital Bank (AAA)", "network": "Visa", "currency": "CASH", "annualFee": 0, "fxFee": 0, "color": "#0b5394", "cardType": "personal", "status": "open", "earn": [ { "category": "groceries", "rate": 5, "cap": 10000, "capPeriod": "year" }, { "category": "gas", "rate": 3 }, { "category": "ev_charging", "rate": 3 }, { "category": "wholesale_club", "rate": 3 }, { "category": "streaming", "rate": 3 }, { "category": "drugstores", "rate": 3 }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Grocery, wholesale-club and gas cash back share ONE combined $500 cap per calendar year (1% after)", "From 5/15/26 discount stores, superstores and convenience stores no longer count as 5% grocery", "No foreign transaction fees", "Visa Signature benefits; no AAA membership required" ], "verifiedDate": "2026-09-01", "sources": [ "https://d.comenity.net/ac/aaadailyadvantagevisa/public/home" ], "country": "US", "officialUrl": "https://d.comenity.net/ac/aaadailyadvantagevisa/public/home" }, { "id": "aaa_travel_advantage", "name": "AAA Travel Advantage Visa Signature", "issuer": "Comenity Capital Bank (AAA)", "network": "Visa", "currency": "CASH", "annualFee": 0, "fxFee": 0, "color": "#a02128", "cardType": "personal", "status": "open", "earn": [ { "category": "gas", "rate": 5, "cap": 7000, "capPeriod": "year", "note": "5% at gas stations. AAA's terms cap the 5% tier at a \"Maximum of $350 USD in cash back in a calendar year\" - ONE COMBINED pool across gas AND EV charging together (about $7,000 of spend), not $7,000 each. Issuer terms: \"Maximum of $350 USD in cash back in a calendar year on the 5% category.\"", "capGroup": "tier_5pct" }, { "category": "ev_charging", "rate": 5, "cap": 7000, "capPeriod": "year", "note": "5% at EV charging. AAA's terms cap the 5% tier at a \"Maximum of $350 USD in cash back in a calendar year\" - ONE COMBINED pool across gas AND EV charging together (about $7,000 of spend), not $7,000 each. Issuer terms: \"Maximum of $350 USD in cash back in a calendar year on the 5% category.\"", "capGroup": "tier_5pct" }, { "category": "groceries", "rate": 3 }, { "category": "dining", "rate": 3 }, { "category": "travel", "rate": 3 }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "5% gas + EV charging capped at $350 cash back per calendar year (1% after)", "No foreign transaction fees", "Visa Signature benefits; no AAA membership required" ], "verifiedDate": "2026-09-15", "sources": [ "https://d.comenity.net/ac/aaatraveladvantagevisa/public/home", "https://mwg.aaa.com/travel-credit-card" ], "country": "US", "officialUrl": "https://d.comenity.net/ac/aaatraveladvantagevisa/public/home" }, { "id": "elan_max_cash_preferred", "name": "Max Cash Preferred (Elan)", "issuer": "Elan Financial Services", "network": "Visa", "currency": "CASH", "annualFee": 0, "fxFee": 0.03, "color": "#3d2a68", "cardType": "personal", "status": "open", "earn": [ { "category": "CHOICE", "rate": 5, "cap": 2000, "capPeriod": "quarter", "choice": true, "choiceOptions": [ "utilities", "internet", "phone", "fitness", "dining", "streaming", "entertainment" ] }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "5% on TWO chosen categories, $2,000 combined spend per quarter (we model your top one)", "Plus unlimited 2% on one chosen everyday category (gas, grocery or restaurants)", "Grocery/gas at wholesale clubs, discount stores and supercenters earn 1%", "Issued by Elan for hundreds of local banks and credit unions \u2014 your bank's branding, same card" ], "verifiedDate": "2026-09-01", "sources": [ "https://www.elanfinancialservices.com/" ], "country": "US", "officialUrl": "https://www.elanfinancialservices.com/" }, { "id": "elan_everyday_rewards_plus", "name": "Everyday Rewards+ (Elan)", "issuer": "Elan Financial Services", "network": "Visa", "currency": "POINTS", "annualFee": 0, "fxFee": 0.03, "color": "#1f3a5f", "cardType": "personal", "status": "open", "earn": [ { "category": "dining", "rate": 4, "cap": 2000, "capPeriod": "quarter" }, { "category": "groceries", "rate": 2 }, { "category": "gas", "rate": 2 }, { "category": "ev_charging", "rate": 2 }, { "category": "streaming", "rate": 2 }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "elan_everyday_rewards_plus-streaming-credit", "label": "Streaming credit", "amount": 15, "period": "year", "cadence": "annual", "categories": [ "streaming" ], "enrollmentRequired": true } ], "perks": [ "4x dining/takeout/delivery capped at $2,000 spend per quarter (1x after)", "Issued by Elan for hundreds of local banks and credit unions" ], "verifiedDate": "2026-09-01", "sources": [ "https://www.elanfinancialservices.com/" ], "country": "US", "officialUrl": "https://www.elanfinancialservices.com/" }, { "id": "elan_travel_rewards_plus", "name": "Travel Rewards+ (Elan)", "issuer": "Elan Financial Services", "network": "Visa", "currency": "POINTS", "annualFee": 99, "fxFee": 0, "color": "#0f5e5e", "cardType": "personal", "status": "open", "earn": [ { "category": "travel", "rate": 4 }, { "category": "gas", "rate": 4 }, { "category": "ev_charging", "rate": 4 }, { "category": "entertainment", "rate": 4 }, { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "$0 intro annual fee first 12 months, then $99", "Unlimited 4x with no annual cap", "Issued by Elan for hundreds of local banks and credit unions" ], "verifiedDate": "2026-09-01", "sources": [ "https://www.elanfinancialservices.com/" ], "country": "US", "officialUrl": "https://www.elanfinancialservices.com/" }, { "id": "elan_real_rewards", "name": "Real Rewards (Elan)", "issuer": "Elan Financial Services", "network": "Visa", "currency": "POINTS", "annualFee": 0, "fxFee": 0.03, "color": "#4a5568", "cardType": "personal", "status": "open", "earn": [ { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "Flat 1.5 points per dollar on everything", "Points expire five years after earning", "Issued by Elan for hundreds of local banks and credit unions" ], "verifiedDate": "2026-09-01", "sources": [ "https://www.elanfinancialservices.com/" ], "country": "US", "officialUrl": "https://www.elanfinancialservices.com/" }, { "id": "fidelity_rewards_visa", "name": "Fidelity Rewards Visa Signature", "issuer": "Elan Financial Services", "network": "Visa", "currency": "CASH", "annualFee": 0, "fxFee": 0, "color": "#368727", "cardType": "personal", "status": "open", "earn": [ { "category": "*", "rate": 2 } ], "credits": [], "perks": [ "Full 2% requires redeeming into an eligible Fidelity account (brokerage, cash management, retirement, HSA or 529)", "Up to $100 in points back for Global Entry / TSA PreCheck application", "No foreign transaction fees" ], "verifiedDate": "2026-09-01", "sources": [ "https://www.fidelity.com/spend-save/fidelity-rewards-visa-signature-card/overview" ], "country": "US", "officialUrl": "https://www.fidelity.com/spend-save/fidelity-rewards-visa-signature-card/overview" }, { "id": "wf_active_cash", "name": "Wells Fargo Active Cash", "issuer": "Wells Fargo", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#d71e28", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 2, "note": "Unlimited 2% cash rewards on purchases" } ], "credits": [], "perks": [ "Cellular telephone protection (up to $600, subject to $25 deductible) when you pay your monthly phone bill with the card", "Visa Signature Concierge and Luxury Hotel Collection access", "0% intro APR on purchases and qualifying balance transfers for 12 months from account opening" ], "signup": { "bonusPoints": 10000, "spendReq": 500, "months": 3, "offerVerifiedDate": "2026-09-14", "note": "$100 cash rewards bonus after $500 in 3 months (was $200); encoded as 10,000 CASH points at 1 cent each" }, "verifiedDate": "2026-09-02", "sources": [ "https://creditcards.wellsfargo.com/active-cash-credit-card" ], "country": "US", "officialUrl": "https://creditcards.wellsfargo.com/active-cash-credit-card", "shortName": "Active Cash" }, { "id": "wf_autograph", "name": "Wells Fargo Autograph", "issuer": "Wells Fargo", "network": "Visa", "currency": "WF_POINTS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#44286f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "dining", "rate": 3 }, { "category": "travel", "rate": 3 }, { "category": "gas", "rate": 3, "note": "Includes gas stations and EV charging" }, { "category": "ev_charging", "rate": 3 }, { "category": "transit", "rate": 3 }, { "category": "streaming", "rate": 3, "note": "Popular streaming services" }, { "category": "phone_internet", "rate": 3, "note": "Phone plans (not internet/cable)" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Cellular telephone protection (up to $600, $25 deductible) when you pay your monthly phone bill with the card", "Points transfer to Wells Fargo airline/hotel partners", "No foreign transaction fees" ], "signup": { "bonusPoints": 20000, "spendReq": 1000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-09-03", "sources": [ "https://www.wellsfargo.com/credit-cards/" ], "country": "US", "officialUrl": "https://www.wellsfargo.com/credit-cards/" }, { "id": "wf_autograph_journey", "name": "Wells Fargo Autograph Journey", "issuer": "Wells Fargo", "network": "Visa", "currency": "WF_POINTS", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0, "color": "#1f3a5f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "hotels", "rate": 5, "note": "Booked directly with hotels" }, { "category": "flights", "rate": 4, "note": "Booked directly with airlines" }, { "category": "dining", "rate": 3 }, { "category": "travel", "rate": 3, "note": "Other travel purchases" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "wf_autograph_journey-airline-credit", "label": "$50 annual airline statement credit", "amount": 50, "period": "year", "cadence": "annual", "categories": [ "flights" ], "note": "Earned with a minimum $50 airline purchase each account year" } ], "perks": [ "Points transfer to Wells Fargo airline/hotel partners", "Cellular telephone protection when you pay your phone bill with the card", "No foreign transaction fees" ], "signup": { "bonusPoints": 60000, "spendReq": 4000, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-09-02", "sources": [ "https://www.wellsfargo.com/credit-cards/" ], "country": "US", "officialUrl": "https://www.wellsfargo.com/credit-cards/" }, { "id": "wf_attune", "name": "Wells Fargo Attune", "issuer": "Wells Fargo", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#2d6a4f", "cardType": "personal", "status": "discontinued", "isRetailCobrand": false, "earn": [ { "category": "entertainment", "rate": 4, "note": "Select sports, recreation and entertainment (live shows, sporting events, gardening/floral, pet supplies and grooming)" }, { "category": "transit", "rate": 4, "note": "Planet-friendly purchases: public transit, EV charging, select thrift stores" }, { "category": "ev_charging", "rate": 4 }, { "category": "*", "rate": 1, "note": "4% categories also include self-care (gyms, exercise classes, salons, spas)" } ], "credits": [], "perks": [ "Closed to new applicants as of June 15, 2026 (existing cardholders keep the card)", "World Elite Mastercard benefits, including select streaming and meal-kit offers (up to ~$264/yr in value, subject to auto-renewal and enrollment)", "Cellular telephone protection when you pay your phone bill with the card" ], "verifiedDate": "2026-09-02", "sources": [ "https://www.wellsfargo.com/credit-cards/agreements/attune-agreement/" ], "country": "US", "officialUrl": "https://www.wellsfargo.com/credit-cards/agreements/attune-agreement/" }, { "id": "bilt_mastercard", "name": "Bilt Blue Card", "issuer": "Cardless", "network": "Mastercard", "currency": "BILT", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#1a1a1a", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "rent", "rate": 1, "note": "Earns 0x-1.25x points on rent/mortgage with no transaction fee, scaled by your everyday-spend ratio (1x when everyday spend is 75% of your housing payment; 1.25x at 100%+). No annual points cap. The old 5-transactions-per-statement rule was removed with Bilt 2.0." }, { "category": "*", "rate": 1, "note": "1x points on everyday spend; optional Flexible Bilt Cash mode earns 4% Bilt Cash on everyday purchases instead of the housing multiplier" } ], "credits": [], "perks": [ "Bilt 2.0: card program moved from Wells Fargo to Cardless (issued by Column N.A.) on Feb 7, 2026; the old Wells Fargo Bilt Mastercard no longer works", "$100 Bilt Cash welcome bonus on approval, no minimum spend (per Bilt card offer terms)", "Also earns points on mortgage payments with no fee", "Bilt points transfer 1:1 to airline and hotel partners", "No foreign transaction fees" ], "verifiedDate": "2026-09-02", "sources": [ "https://www.bilt.com/card/blue" ], "country": "US", "officialUrl": "https://www.bilt.com/card/blue" }, { "id": "apple_card", "name": "Apple Card", "issuer": "Goldman Sachs", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#333333", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 2, "note": "2% Daily Cash when paying with Apple Pay; 1% with the physical titanium card" } ], "credits": [], "perks": [ "3% Daily Cash on purchases from Apple and at select merchants when using Apple Pay", "No fees of any kind: no annual, foreign transaction, or late fees", "Daily Cash can auto-deposit into a high-yield Apple Savings account", "Issuer transition: JPMorgan Chase announced (Jan 2026) it will take over from Goldman Sachs over roughly 24 months; card stays on the Mastercard network and terms unchanged for now" ], "verifiedDate": "2026-09-02", "sources": [ "https://www.apple.com/apple-card/", "https://learn.applecard.apple/benefits" ], "country": "US", "officialUrl": "https://www.apple.com/apple-card/" }, { "id": "usaa_preferred_cash", "name": "USAA Preferred Cash Rewards", "issuer": "USAA", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#12395b", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 1.5, "note": "Unlimited 1.5% cash back on all purchases" } ], "credits": [], "perks": [ "Membership required (USAA: military members, veterans and eligible family)", "No foreign transaction fees" ], "verifiedDate": "2026-09-02", "sources": [ "https://www.usaa.com/banking/credit-cards/" ], "country": "US", "officialUrl": "https://www.usaa.com/banking/credit-cards/" }, { "id": "usaa_cashback_rewards_plus", "name": "USAA Cashback Rewards Plus American Express", "shortName": "USAA Cashback Rewards Plus", "issuer": "USAA", "network": "American Express", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#1c4587", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "gas", "rate": 5, "note": "5% on first $3,000/yr combined gas and military base purchases, then 1%" }, { "category": "groceries", "rate": 2, "note": "2% on first $3,000/yr in supermarket purchases, then 1%" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Membership required (USAA: military members, veterans and eligible family)", "5% category also covers military base purchases (exchanges/commissaries)", "No foreign transaction fees" ], "verifiedDate": "2026-09-02", "sources": [ "https://www.usaa.com/banking/credit-cards/" ], "country": "US", "officialUrl": "https://www.usaa.com/banking/credit-cards/" }, { "id": "usaa_eagle_navigator", "name": "USAA Eagle Navigator", "issuer": "USAA", "network": "Visa", "currency": "USAA_POINTS", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0, "color": "#0b2d4d", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel", "rate": 3, "note": "Flights, hotels, vacation rentals, rideshares, tolls and more" }, { "category": "*", "rate": 2, "note": "2x on everyday purchases" } ], "credits": [], "perks": [ "Membership required (USAA: military members, veterans and eligible family)", "10,000 bonus points each year (about $100 travel value) after an eligible hotel or car rental booking through the USAA travel portal", "Statement credit toward Global Entry or TSA PreCheck application fee (every 4 years)", "No foreign transaction fees" ], "signup": { "bonusPoints": 50000, "spendReq": 3000, "checkNote": "USAA's public page shows no offer; the catalog URL redirects to member login. Read it signed in.", "offerEnds": "2027-01-31", "note": "Spend by 31 January 2027. That is a fixed calendar deadline, not a window that starts when you apply, so it gets shorter every month you wait.", "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-09-02", "sources": [ "https://www.usaa.com/banking/credit-cards/" ], "country": "US", "officialUrl": "https://www.usaa.com/banking/credit-cards/" }, { "id": "nfcu_cashrewards", "name": "Navy Federal cashRewards", "issuer": "Navy Federal", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0667ba", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 1.5, "note": "1.5% cash back; 2% as cashRewards Plus when you have direct deposit with Navy Federal" } ], "credits": [], "perks": [ "Membership required (Navy Federal: armed forces, DoD, veterans and their families)", "Issued as Visa or Mastercard", "No foreign transaction fees or cash advance fees" ], "signup": { "bonusPoints": 25000, "spendReq": 2500, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-09-02", "sources": [ "https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html" ], "country": "US", "officialUrl": "https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html" }, { "id": "nfcu_more_rewards", "name": "Navy Federal More Rewards American Express", "shortName": "Navy Federal More Rewards", "issuer": "Navy Federal", "network": "American Express", "currency": "NFCU_POINTS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0e4d92", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "groceries", "rate": 3, "note": "Supermarkets" }, { "category": "gas", "rate": 3 }, { "category": "dining", "rate": 3, "note": "Restaurants and food delivery" }, { "category": "transit", "rate": 3 }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Membership required (Navy Federal: armed forces, DoD, veterans and their families)", "No foreign transaction fees or cash advance fees" ], "verifiedDate": "2026-09-02", "sources": [ "https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html" ], "country": "US", "officialUrl": "https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html" }, { "id": "nfcu_flagship_rewards", "name": "Navy Federal Visa Signature Flagship Rewards", "shortName": "Flagship Rewards", "issuer": "Navy Federal", "network": "Visa", "currency": "NFCU_POINTS", "annualFee": 49, "annualFeeUnknown": false, "fxFee": 0, "color": "#00294d", "cardType": "personal", "status": "closed_to_new", "isRetailCobrand": false, "earn": [ { "category": "travel", "rate": 3, "note": "Airlines, hotels, car rental, transit, taxis, cruises, parking and more" }, { "category": "*", "rate": 2 } ], "credits": [ { "id": "nfcu_flagship_rewards-amazon-prime", "label": "Free Amazon Prime annual membership", "amount": 139, "period": "year", "cadence": "annual", "categories": [ "online_retail" ], "note": "Statement credit when you pay the Amazon Prime annual membership with the card; one credit per account per year" } ], "perks": [ "Membership required (Navy Federal: armed forces, DoD, veterans and their families)", "Up to $120 statement credit for Global Entry or TSA PreCheck every 4 years", "Complimentary GigSky 3GB global mobile data plan", "No foreign transaction fees or cash advance fees", "Annual fee rises from $49 to $95 effective 2026-11-02 for existing cardholders; Navy Federal says all current benefits remain (flagship-upgrade page, read 2026-09-15)" ], "verifiedDate": "2026-09-02", "sources": [ "https://www.navyfederal.org/loans-cards/credit-cards/flagship-upgrade.html", "https://www.navyfederal.org/loans-cards/credit-cards.html" ], "country": "US", "officialUrl": "https://www.navyfederal.org/loans-cards/credit-cards/flagship-upgrade.html", "conversionNotes": [ "2026-09-15: no longer on Navy Federal's list of cards open to applicants; the old offers/flagship-visa-signature.html URL now serves Flagship Premier, so the 50,000-point offer recorded here (stamped from that page) belongs to nfcu_flagship_premier and was moved there. annualFee stays 49 until the published 2026-11-02 increase to $95 takes effect." ] }, { "id": "nfcu_go_rewards", "name": "Navy Federal GO REWARDS", "issuer": "Navy Federal", "network": "Visa", "currency": "NFCU_POINTS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#0667ba", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "dining", "rate": 3, "note": "Restaurants (restaurants inside hotels, grocery stores etc. may not code as restaurants)" }, { "category": "gas", "rate": 2 }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Membership required (Navy Federal: armed forces, DoD, veterans and their families)", "Issued as Visa or Mastercard", "No foreign transaction fees or cash advance fees" ], "verifiedDate": "2026-09-02", "sources": [ "https://www.navyfederal.org/loans-cards/credit-cards/go-rewards.html" ], "country": "US", "officialUrl": "https://www.navyfederal.org/loans-cards/credit-cards/go-rewards.html" }, { "id": "penfed_power_cash", "name": "PenFed Power Cash Rewards", "issuer": "PenFed", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#58595b", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 1.5, "note": "1.5% cash back on all purchases; 2% for PenFed Honors Advantage members (military service or PenFed Access America checking)" } ], "credits": [], "perks": [ "Membership required (PenFed: open to anyone who joins the credit union)", "No foreign transaction fees" ], "verifiedDate": "2026-09-02", "sources": [ "https://www.penfed.org/credit-cards/power-cash-honors-advantage", "https://www.penfed.org/credit-cards" ], "country": "US", "officialUrl": "https://www.penfed.org/credit-cards/power-cash-honors-advantage" }, { "id": "penfed_platinum_rewards", "name": "PenFed Platinum Rewards", "issuer": "PenFed", "network": "Visa", "currency": "PENFED_POINTS", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#004b8d", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "gas", "rate": 5, "note": "Gas paid at the pump" }, { "category": "ev_charging", "rate": 5 }, { "category": "groceries", "rate": 3, "note": "Supermarkets, including most Target and Walmart locations" }, { "category": "dining", "rate": 3 }, { "category": "streaming", "rate": 3, "note": "TV, radio, cable and streaming services" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Membership required (PenFed: open to anyone who joins the credit union)", "PenFed points are worth roughly 0.85 cents each on typical travel/gift card redemptions", "No foreign transaction fees" ], "signup": { "bonusPoints": 15000, "spendReq": 1500, "months": 3, "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-09-02", "sources": [ "https://www.penfed.org/credit-cards/platinum-rewards-visa" ], "country": "US", "officialUrl": "https://www.penfed.org/credit-cards/platinum-rewards-visa" }, { "id": "penfed_pathfinder", "name": "PenFed Pathfinder Rewards", "issuer": "PenFed", "network": "Visa", "currency": "PENFED_POINTS", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0, "color": "#2c3e50", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel", "rate": 3, "note": "All travel categories; 4x for PenFed Honors Advantage members" }, { "category": "*", "rate": 1.5 } ], "credits": [ { "id": "penfed_pathfinder-air-incidentals", "label": "$100 annual air travel incidental credit", "amount": 100, "period": "year", "cadence": "annual", "categories": [ "flights" ], "note": "Statement credits up to $100/calendar year for airline incidentals: baggage fees, change fees, in-flight food/beverage, lounge day passes" } ], "perks": [ "Membership required (PenFed: open to anyone who joins the credit union)", "$95 annual fee waived for PenFed Honors Advantage members (military service or PenFed Access America checking)", "Global Entry or TSA PreCheck application fee credit", "No foreign transaction fees" ], "verifiedDate": "2026-09-02", "sources": [ "https://www.penfed.org/credit-cards/pathfinder-rewards-visa" ], "country": "US", "officialUrl": "https://www.penfed.org/credit-cards/pathfinder-rewards-visa" }, { "id": "synchrony_venmo_visa", "name": "Venmo Credit Card", "issuer": "Synchrony Bank", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#008cff", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "CHOICE", "rate": 3, "note": "Auto-assigned each statement period to your single TOP eligible spend category (no enrollment, no cap). Eight eligible categories: Travel (airlines, hotels, vacation rentals, resorts), Dining & Nightlife (restaurants, takeout, delivery, bars), Groceries (grocery stores, wholesale clubs), Gas, Transportation (rideshare, taxis, transit, tolls, parking, rental cars), Entertainment, Bills & Utilities (phone, internet, streaming, electric/gas/water), Health & Beauty (drugstores, cosmetics, gyms). Everything else earns 1%.", "choice": true, "choiceOptions": [ "travel", "flights", "hotels", "dining", "groceries", "wholesale_club", "entertainment", "gas", "transit", "rideshare", "utilities", "phone", "internet", "streaming", "drugstores", "fitness" ] }, { "category": "CHOICE", "rate": 2, "note": "Auto-assigned each statement period to your SECOND-highest eligible spend category (same eight-category list as the 3% tier); no cap.", "choice": true, "choiceOptions": [ "travel", "flights", "hotels", "dining", "groceries", "wholesale_club", "entertainment", "gas", "transit", "rideshare", "utilities", "phone", "internet", "streaming", "drugstores", "fitness" ] }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "No foreign transaction fees", "Cash back deposited to your Venmo balance 1-3 days after each statement closes; no minimum, never expires", "Optional Cash Back to Crypto: auto-buys crypto with each month's cash back with no crypto transaction fee (spread still applies)", "Personal Venmo QR code printed on the card for splitting purchases with friends", "Virtual card number available in the Venmo app immediately on approval", "Visa Signature benefits (zero liability, roadside dispatch, travel and emergency assistance, concierge)", "Must have a Venmo account open at least 30 days and in good standing to apply; apply only through the Venmo app" ], "welcomeBonusText": "No standing welcome bonus as of 2026-09-03. Venmo occasionally runs limited-time targeted offers inside the Venmo app; check the Cards tab before applying.", "verifiedDate": "2026-09-03", "sources": [ "https://venmo.com/about/creditcard", "https://venmo.com/about/creditcard/rewards", "https://help.venmo.com/cs/articles/venmo-credit-card-rewards-program-vhel325", "https://help.venmo.com/cs/articles/venmo-credit-card-faq-vhel312", "https://help.venmo.com/cs/articles/venmo-credit-card-rewards-program-terms-and-cash-back-to-crypto-terms-vhel127", "https://www.nerdwallet.com/credit-cards/reviews/venmo-credit-card", "https://www.cnbc.com/select/venmo-credit-card-review/" ], "conversionNotes": [ "Venmo assigns the 3%/2% tiers automatically from actual monthly spend. Modelled as two CHOICE lines (the app auto-picks the best single category from spend); the 2% second-tier line is informational and never stacks on the 3% pick, so estimates can only under-count this card.", "Venmo's 'Travel' bucket combines airlines, hotels and vacation rentals; the app tracks flights/hotels/travel separately, so a choice pick covers only one of them (conservative).", "Synchrony terms page (synchronybankterms.com VenmoApplyTerms_combo) was unreachable at verification; 0% foreign transaction fee confirmed via NerdWallet (Apr 2026) and CNBC Select reviews, not the issuer's rate sheet." ], "country": "US", "officialUrl": "https://venmo.com/about/creditcard/rewards" }, { "id": "synchrony_paypal_cashback_mastercard", "name": "PayPal Cashback Mastercard", "issuer": "Synchrony Bank", "network": "Mastercard", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#003087", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "online_retail", "rate": 3, "note": "Brand: PayPal. Unlimited 3% only when you check out with PayPal and select this card as the funding source (online or in-app PayPal checkout at any merchant that accepts PayPal). Not a general online-shopping rate; the same purchase paid directly with the card earns 1.5%. Authorized users cannot earn the 3% tier.", "portalOnly": true, "brand": "PayPal checkout" }, { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "Unlimited 3% cash back on purchases paid through PayPal checkout with this card selected (1.5% everywhere else Mastercard is accepted)", "Cash back earns as purchases post; redeem any amount, any time, to your PayPal balance or linked bank/debit card", "Stacks with PayPal merchant offers saved in the PayPal app", "Virtual card usable for PayPal purchases immediately on approval", "Up to 6 authorized users (they earn 1.5% only; their cards cannot be linked to a PayPal account)", "Mastercard ID Theft Protection and World Mastercard benefits per the Synchrony Mastercard Guide to Benefits", "Requires an active PayPal account in good standing" ], "welcomeBonusText": "No welcome bonus as of 2026-09-03 (PayPal has occasionally run limited-time offers in the past).", "verifiedDate": "2026-09-03", "sources": [ "https://www.paypal.com/us/digital-wallet/manage-money/paypal-cashback-mastercard", "https://www.paypal.com/us/cshelp/article/how-does-cash-back-rewards-work-with-paypal-cashback-mastercard-help757", "https://www.nerdwallet.com/reviews/credit-cards/paypal-cashback", "https://wallethub.com/d/paypal-credit-card-3091c", "https://www.bankrate.com/credit-cards/reviews/paypal-cashback-mastercard/" ], "conversionNotes": [ "The 3% tier is gated on PayPal checkout, not on merchant category. Encoded as an online_retail line with portalOnly: true (the catalog's brand-locked convention) so the engine never scores a charge at 3% and headline/rankings use the 1.5% base. Real PayPal-checkout spend is therefore under-counted, never flattered.", "Synchrony rate sheet (synchronybankterms.com PayPalCashbackApplyTerms_combo) was unreachable at verification; 3% foreign transaction fee confirmed via NerdWallet, WalletHub and Bankrate reviews." ], "country": "US", "officialUrl": "https://www.paypal.com/us/digital-wallet/manage-money/paypal-cashback-mastercard", "shortName": "PayPal Cashback" }, { "id": "ca_amex_cobalt", "name": "American Express Cobalt Card", "issuer": "American Express (Canada)", "network": "American Express", "country": "CA", "feeCurrency": "CAD", "currency": "MR_CA", "annualFee": 191.88, "annualFeeUnknown": false, "fxFee": 0.025, "color": "#1c3d5a", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "dining", "rate": 5, "note": "Eats & drinks (restaurants, food delivery, groceries) up to $2,500 CAD/month combined. Issuer terms: \"Earn 5 points for every $1 at (i) restaurant, quick service restaurant, coffee shop and drinking establishments in Canada, (ii) stand-alone grocery stores in Canada, (iii) delivery of food and groceries in Canada as a primary business, up to a combined maximum of $2,500 in net purchases posted to your account monthly.\"", "cap": 2500, "capPeriod": "month", "capGroup": "eats_drinks" }, { "category": "groceries", "rate": 5, "note": "Shares the $2,500 CAD/month eats & drinks cap. Issuer terms: \"Earn 5 points for every $1 at (i) restaurant, quick service restaurant, coffee shop and drinking establishments in Canada, (ii) stand-alone grocery stores in Canada, (iii) delivery of food and groceries in Canada as a primary business, up to a combined maximum of $2,500 in net purchases posted to your account monthly.\"", "cap": 2500, "capPeriod": "month", "capGroup": "eats_drinks" }, { "category": "streaming", "rate": 3 }, { "category": "gas", "rate": 2 }, { "category": "transit", "rate": 2 }, { "category": "rideshare", "rate": 2 }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Mobile device insurance", "Amex Offers", "Front of the Line event access", "Billed monthly ($15.99/mo)" ], "signup": { "bonusPoints": 15000, "spendReq": 9000, "months": 12, "note": "1,250 MR points for each monthly billing period you spend $750, up to 15,000 over the first year", "offerVerifiedDate": "2026-09-14", "checkNote": "Amex Canada renders no offer figure even in a browser. Read it yourself." }, "verifiedDate": "2026-09-02", "sources": [ "https://www.americanexpress.com/ca/en/credit-cards/cobalt-card/", "https://www.americanexpress.com/ca/en/benefits/cobalt-card/" ], "officialUrl": "https://www.americanexpress.com/ca/en/credit-cards/cobalt-card/", "correctedOn": "2026-09-15" }, { "id": "ca_td_aeroplan_visa_infinite", "name": "TD Aeroplan Visa Infinite Card", "issuer": "TD Canada Trust", "network": "Visa", "country": "CA", "feeCurrency": "CAD", "currency": "AEROPLAN", "annualFee": 139, "annualFeeUnknown": false, "fxFee": 0.025, "color": "#00857d", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "groceries", "rate": 1.5, "cap": 80000, "capPeriod": "year", "note": "shares the $80,000/yr cap on gas, EV charging, grocery and Air Canada purchases, then 1x. Issuer terms: \"1.5 Aeroplan points (Bonus Rate) earned for each $1 in Purchases of Gas, Electric Vehicle Charging, Grocery or direct through Air Canada Products (earned only on a maximum annual amount of $80,000 of Purchases of Gas, Electric Vehicle Charging, Grocery or Air Canada Products).\"", "capGroup": "bonus_rate" }, { "category": "gas", "rate": 1.5, "cap": 80000, "capPeriod": "year", "note": "shares the $80,000/yr cap on gas, EV charging, grocery and Air Canada purchases, then 1x. Issuer terms: \"1.5 Aeroplan points (Bonus Rate) earned for each $1 in Purchases of Gas, Electric Vehicle Charging, Grocery or direct through Air Canada Products (earned only on a maximum annual amount of $80,000 of Purchases of Gas, Electric Vehicle Charging, Grocery or Air Canada Products).\"", "capGroup": "bonus_rate" }, { "category": "flights", "rate": 1.5, "note": "Air Canada only: Air Canada / Aeroplan direct purchases; not other airlines; shares the $80,000/yr cap on gas, EV charging, grocery and Air Canada purchases, then 1x. Issuer terms: \"1.5 Aeroplan points (Bonus Rate) earned for each $1 in Purchases of Gas, Electric Vehicle Charging, Grocery or direct through Air Canada Products (earned only on a maximum annual amount of $80,000 of Purchases of Gas, Electric Vehicle Charging, Grocery or Air Canada Products).\"", "portalOnly": true, "brand": "Air Canada", "cap": 80000, "capPeriod": "year", "capGroup": "bonus_rate" }, { "category": "ev_charging", "rate": 1.5, "cap": 80000, "capPeriod": "year", "note": "shares the $80,000/yr cap on gas, EV charging, grocery and Air Canada purchases, then 1x. Issuer terms: \"1.5 Aeroplan points (Bonus Rate) earned for each $1 in Purchases of Gas, Electric Vehicle Charging, Grocery or direct through Air Canada Products (earned only on a maximum annual amount of $80,000 of Purchases of Gas, Electric Vehicle Charging, Grocery or Air Canada Products).\"", "capGroup": "bonus_rate" }, { "category": "hotels", "rate": 1.5, "cap": 80000, "capPeriod": "year", "note": "Hyatt only: participating Hyatt hotels and resorts (Aeroplan and World of Hyatt accounts linked); own $80,000/yr cap; not other hotels. Issuer terms: \"The maximum annual cap of $80,000 does not impact any other annual earn caps applicable to the TD Aeroplan Visa Infinite Card.\"", "portalOnly": true, "brand": "Hyatt", "capSeparate": true }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "First checked bag free on Air Canada", "NEXUS fee not included", "Travel insurance package" ], "signup": { "bonusPoints": 25000, "spendReq": 3000, "months": 3, "note": "Staged: 10,000 on first purchase plus 15,000 after $3,000 in 90 days (the figure here), then 25,000 more after $12,000 in 12 months \u2014 up to 50,000 \u2014 and a first-year annual-fee rebate.", "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-09-15", "sources": [ "https://www.td.com/ca/en/personal-banking/products/credit-cards/aeroplan/aeroplan-visa-infinite-card" ], "officialUrl": "https://www.td.com/ca/en/personal-banking/products/credit-cards/aeroplan/aeroplan-visa-infinite-card" }, { "id": "ca_scotia_gold_amex", "name": "Scotiabank Gold American Express Card", "issuer": "Scotiabank", "network": "American Express", "country": "CA", "feeCurrency": "CAD", "currency": "SCENE_PLUS", "annualFee": 120, "annualFeeUnknown": false, "fxFee": 0, "color": "#b58a3c", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "groceries", "rate": 5, "note": "6x at Sobeys/IGA/Safeway/FreshCo/Foodland banners; first $50,000/yr on accelerated categories. Issuer terms: \"The Accelerated Earn Rates for the Scotiabank Gold American Express Card applies to the first $50,000 in purchases charged to the Scotiabank Gold American Express Card Account annually at merchants qualifying for the Accelerated Earn Rate, calculated annually from January 1st to December 31st each year.\"", "cap": 50000, "capPeriod": "year", "capGroup": "accelerated" }, { "category": "dining", "rate": 5, "cap": 50000, "capPeriod": "year", "note": "accelerated rates share a $50,000/calendar-year cap, then 1x. Issuer terms: \"The Accelerated Earn Rates for the Scotiabank Gold American Express Card applies to the first $50,000 in purchases charged to the Scotiabank Gold American Express Card Account annually at merchants qualifying for the Accelerated Earn Rate, calculated annually from January 1st to December 31st each year.\"", "capGroup": "accelerated" }, { "category": "entertainment", "rate": 5, "cap": 50000, "capPeriod": "year", "note": "accelerated rates share a $50,000/calendar-year cap, then 1x. Issuer terms: \"The Accelerated Earn Rates for the Scotiabank Gold American Express Card applies to the first $50,000 in purchases charged to the Scotiabank Gold American Express Card Account annually at merchants qualifying for the Accelerated Earn Rate, calculated annually from January 1st to December 31st each year.\"", "capGroup": "accelerated" }, { "category": "streaming", "rate": 3, "cap": 50000, "capPeriod": "year", "note": "accelerated rates share a $50,000/calendar-year cap, then 1x. Issuer terms: \"The Accelerated Earn Rates for the Scotiabank Gold American Express Card applies to the first $50,000 in purchases charged to the Scotiabank Gold American Express Card Account annually at merchants qualifying for the Accelerated Earn Rate, calculated annually from January 1st to December 31st each year.\"", "capGroup": "accelerated" }, { "category": "gas", "rate": 3, "cap": 50000, "capPeriod": "year", "note": "accelerated rates share a $50,000/calendar-year cap, then 1x. Issuer terms: \"The Accelerated Earn Rates for the Scotiabank Gold American Express Card applies to the first $50,000 in purchases charged to the Scotiabank Gold American Express Card Account annually at merchants qualifying for the Accelerated Earn Rate, calculated annually from January 1st to December 31st each year.\"", "capGroup": "accelerated" }, { "category": "transit", "rate": 3, "cap": 50000, "capPeriod": "year", "note": "Public transit; accelerated rates share a $50,000/calendar-year cap, then 1x. Issuer terms: \"The Accelerated Earn Rates for the Scotiabank Gold American Express Card applies to the first $50,000 in purchases charged to the Scotiabank Gold American Express Card Account annually at merchants qualifying for the Accelerated Earn Rate, calculated annually from January 1st to December 31st each year.\"", "capGroup": "accelerated" }, { "category": "rideshare", "rate": 3, "cap": 50000, "capPeriod": "year", "note": "Rideshare and taxis count as transit; accelerated rates share a $50,000/calendar-year cap, then 1x. Issuer terms: \"The Accelerated Earn Rates for the Scotiabank Gold American Express Card applies to the first $50,000 in purchases charged to the Scotiabank Gold American Express Card Account annually at merchants qualifying for the Accelerated Earn Rate, calculated annually from January 1st to December 31st each year.\"", "capGroup": "accelerated" }, { "category": "travel_portal", "rate": 4, "note": "Travel booked through Scene+ Travel: 1 point per $1 plus 3 extra Scene+ points" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "No foreign transaction fee", "Comprehensive travel insurance", "Concierge" ], "verifiedDate": "2026-09-15", "sources": [ "https://www.scotiabank.com/ca/en/personal/credit-cards/american-express/gold-card.html" ], "officialUrl": "https://www.scotiabank.com/ca/en/personal/credit-cards/american-express/gold-card.html", "signup": { "bonusPoints": 50000, "spendReq": 7500, "months": 12, "note": "Up to 50,000 Scene+ points: 30,000 after $2,000 in everyday eligible purchases in the first 3 months, plus 20,000 after $7,500 in the first year.", "offerVerifiedDate": "2026-09-15" } }, { "id": "ca_scotia_passport_visa_infinite", "name": "Scotiabank Passport Visa Infinite Card", "shortName": "Scotiabank Passport Visa Infinite", "issuer": "Scotiabank", "network": "Visa", "country": "CA", "feeCurrency": "CAD", "currency": "SCENE_PLUS", "annualFee": 150, "annualFeeUnknown": false, "fxFee": 0, "color": "#0a4595", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "groceries", "rate": 2, "cap": 50000, "capPeriod": "year", "note": "Other grocery stores; 3x at Sobeys/Safeway/IGA/FreshCo/Foodland banners; 2x rates share a $50,000/calendar-year cap, then 1x. Issuer terms: \"You will earn the Accelerated Earn Rate on the first $50,000 in purchases made on your Scotiabank Passport Visa Infinite account annually at the following: Grocery Stores and Supermarkets; Eating Places and Restaurants; Entertainment; Transit.\"", "capGroup": "accelerated" }, { "category": "dining", "rate": 2, "cap": 50000, "capPeriod": "year", "note": "2x rates share a $50,000/calendar-year cap, then 1x. Issuer terms: \"You will earn the Accelerated Earn Rate on the first $50,000 in purchases made on your Scotiabank Passport Visa Infinite account annually at the following: Grocery Stores and Supermarkets; Eating Places and Restaurants; Entertainment; Transit.\"", "capGroup": "accelerated" }, { "category": "entertainment", "rate": 2, "cap": 50000, "capPeriod": "year", "note": "2x rates share a $50,000/calendar-year cap, then 1x. Issuer terms: \"You will earn the Accelerated Earn Rate on the first $50,000 in purchases made on your Scotiabank Passport Visa Infinite account annually at the following: Grocery Stores and Supermarkets; Eating Places and Restaurants; Entertainment; Transit.\"", "capGroup": "accelerated" }, { "category": "transit", "rate": 2, "cap": 50000, "capPeriod": "year", "note": "2x rates share a $50,000/calendar-year cap, then 1x. Issuer terms: \"You will earn the Accelerated Earn Rate on the first $50,000 in purchases made on your Scotiabank Passport Visa Infinite account annually at the following: Grocery Stores and Supermarkets; Eating Places and Restaurants; Entertainment; Transit.\"", "capGroup": "accelerated" }, { "category": "rideshare", "rate": 2, "cap": 50000, "capPeriod": "year", "note": "Rideshare and taxis count as daily transit; 2x rates share a $50,000/calendar-year cap, then 1x. Issuer terms: \"You will earn the Accelerated Earn Rate on the first $50,000 in purchases made on your Scotiabank Passport Visa Infinite account annually at the following: Grocery Stores and Supermarkets; Eating Places and Restaurants; Entertainment; Transit.\"", "capGroup": "accelerated" }, { "category": "travel_portal", "rate": 4, "note": "Hotels and car rentals booked through Scene+ Travel: 1 point per $1 plus 3 extra Scene+ points. Flights booked there earn the base rate; this row cannot tell them apart." }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "No foreign transaction fee", "6 airport lounge passes/year (Visa Airport Companion)", "Comprehensive travel insurance" ], "signup": { "bonusPoints": 25000, "spendReq": 2000, "months": 3, "note": "Plus 10,000 bonus Scene+ at $40,000 annual spend; sold as the 'Passport Visa Infinite +'", "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-09-15", "sources": [ "https://www.scotiabank.com/ca/en/personal/credit-cards/visa/passport-infinite-card.html" ], "officialUrl": "https://www.scotiabank.com/ca/en/personal/credit-cards/visa/passport-infinite-card.html" }, { "id": "ca_rbc_avion_visa_infinite", "name": "RBC Avion Visa Infinite", "issuer": "Royal Bank of Canada", "network": "Visa", "country": "CA", "feeCurrency": "CAD", "currency": "AVION", "annualFee": 120, "annualFeeUnknown": false, "fxFee": 0.025, "color": "#0051a5", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel", "rate": 1.25, "note": "Eligible travel purchases" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Avion Rewards transfer partners (Avios, WestJet, etc.)", "Travel insurance package" ], "signup": { "bonusPoints": 70000, "spendReq": 5000, "months": 6, "note": "Staged: 35,000 on approval, 20,000 after $5,000 in 6 months, 15,000 on the first anniversary. Apply by 2026-11-25.", "offerVerifiedDate": "2026-09-15", "offerEnds": "2026-11-25" }, "verifiedDate": "2026-09-15", "sources": [ "https://www.rbcroyalbank.com/credit-cards/travel/rbc-avion-visa-infinite.html" ], "officialUrl": "https://www.rbcroyalbank.com/credit-cards/travel/rbc-avion-visa-infinite.html", "shortName": "RBC Avion" }, { "id": "ca_cibc_aventura_visa_infinite", "name": "CIBC Aventura Visa Infinite Card", "issuer": "CIBC", "network": "Visa", "country": "CA", "feeCurrency": "CAD", "currency": "AVENTURA", "annualFee": 139, "annualFeeUnknown": false, "fxFee": 0.025, "color": "#a01d2e", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 2, "note": "Travel booked through the CIBC Rewards Centre" }, { "category": "gas", "rate": 1.5 }, { "category": "ev_charging", "rate": 1.5 }, { "category": "groceries", "rate": 1.5 }, { "category": "drugstores", "rate": 1.5 }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Travel insurance package", "NEXUS not included", "First-year fee rebate typical with welcome offer" ], "signup": { "bonusPoints": 60000, "spendReq": 5000, "months": 4, "note": "Up to 60,000 Aventura Points: 15,000 on first purchase; 30,000 when you spend $3,000 or more in the first 4 monthly statement periods; 15,000 with at least $5,000 in net purchases in the first 4 monthly statement periods.", "offerVerifiedDate": "2026-09-15" }, "verifiedDate": "2026-09-15", "sources": [ "https://www.cibc.com/en/personal-banking/credit-cards/all-credit-cards/aventura-visa-infinite-card.html" ], "officialUrl": "https://www.cibc.com/en/personal-banking/credit-cards/all-credit-cards/aventura-visa-infinite-card.html" }, { "id": "ca_bmo_cashback_world_elite", "name": "BMO CashBack World Elite Mastercard", "issuer": "BMO", "network": "Mastercard", "country": "CA", "feeCurrency": "CAD", "currency": "CASH", "annualFee": 139, "annualFeeUnknown": false, "fxFee": 0.025, "color": "#0079c1", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "groceries", "rate": 5, "note": "First $500 spent per statement period, then 1%. Issuer terms: \"5% cash back on the first $500 you spend on grocery purchases made at merchant locations in Canada per statement cycle period \u2014 its own maximum, not shared.\"", "cap": 500, "capPeriod": "month", "capSeparate": true }, { "category": "transit", "rate": 4, "note": "Public transit, taxis and rideshare; first $300 spent per statement period, then 1%. Issuer terms: \"You earn 4% cash back on the first $300 you spend on ground transportation purchases made at merchant locations in Canada per statement cycle period and 1% unlimited cash back thereafter.\"", "cap": 300, "capPeriod": "month", "capGroup": "ground_transport" }, { "category": "gas", "rate": 3, "note": "Gas and EV charging share $300 spent per statement period, then 1%. Issuer terms: \"You earn 3% cash back on the first $300 you spend on automobile and vehicle fuel purchases made at merchant locations in Canada per statement cycle period... include those classified as \"Service Stations\" (MCC 5541), \"Automated Fuel Dispenser\" (MCC 5542) or \"Electric Vehicle Charging\" (MCC 5552).\"", "cap": 300, "capPeriod": "month", "capGroup": "fuel" }, { "category": "ev_charging", "rate": 3, "cap": 300, "capPeriod": "month", "note": "Shares the gas cap: $300 spent per statement period, then 1%. Issuer terms: \"You earn 3% cash back on the first $300 you spend on automobile and vehicle fuel purchases made at merchant locations in Canada per statement cycle period... include those classified as \"Service Stations\" (MCC 5541), \"Automated Fuel Dispenser\" (MCC 5542) or \"Electric Vehicle Charging\" (MCC 5552).\"", "capGroup": "fuel" }, { "category": "recurring", "rate": 2, "note": "Recurring bill payments; first $500 spent per statement period, then 1%. Issuer terms: \"You earn 2% cash back on the first $500 you spend in recurring bill payments made at merchant locations in Canada per statement cycle period \u2014 its own maximum, not shared with groceries.\"", "cap": 500, "capPeriod": "month", "capSeparate": true }, { "category": "rideshare", "rate": 4, "cap": 300, "capPeriod": "month", "note": "Shares the transit cap: $300 spent per statement period, then 1%. Issuer terms: \"You earn 4% cash back on the first $300 you spend on ground transportation purchases made at merchant locations in Canada per statement cycle period and 1% unlimited cash back thereafter.\"", "capGroup": "ground_transport" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "First year fee waived", "Annual fee rebate with BMO Premium chequing", "Travel & purchase insurance" ], "verifiedDate": "2026-09-15", "sources": [ "https://www.bmo.com/en-ca/main/personal/credit-cards/bmo-cashback-world-elite-mastercard/" ], "officialUrl": "https://www.bmo.com/en-ca/main/personal/credit-cards/bmo-cashback-world-elite-mastercard/", "shortName": "BMO CashBack" }, { "id": "ca_amex_platinum", "name": "The Platinum Card (American Express Canada)", "issuer": "American Express (Canada)", "network": "American Express", "country": "CA", "feeCurrency": "CAD", "currency": "MR_CA", "annualFee": 799, "annualFeeUnknown": false, "fxFee": 0.025, "color": "#2f3336", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "dining", "rate": 2 }, { "category": "travel", "rate": 2 }, { "category": "*", "rate": 1 } ], "credits": [ { "amount": 200, "period": "annual", "note": "Travel credit (CAD)", "cadence": "annual" }, { "amount": 200, "period": "annual", "note": "Dining credit (CAD)", "cadence": "annual" } ], "perks": [ "Priority Pass + Centurion/Plaza Premium lounge access", "Marriott & Hilton Gold status", "Concierge", "Fine Hotels & Resorts" ], "signup": { "bonusPoints": 100000, "note": "Amex Canada publishes this as 'up to 100,000 points' and does not state the spend conditions on its public page, so the conditions are unknown here rather than assumed.", "checkNote": "Amex Canada renders no offer figure even in a browser (the page's only figure is the 225,000 referral cap). Read it yourself.", "offerVerifiedDate": "2026-09-14" }, "verifiedDate": "2026-09-02", "sources": [ "https://www.americanexpress.com/en-ca/benefits/the-platinum-card/" ], "officialUrl": "https://www.americanexpress.com/en-ca/benefits/the-platinum-card/" }, { "id": "ca_amex_gold_rewards", "name": "American Express Gold Rewards Card", "issuer": "American Express (Canada)", "network": "American Express", "country": "CA", "feeCurrency": "CAD", "currency": "MR_CA", "annualFee": 250, "annualFeeUnknown": false, "fxFee": 0.025, "color": "#c8a45c", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel", "rate": 2 }, { "category": "gas", "rate": 2 }, { "category": "groceries", "rate": 2 }, { "category": "drugstores", "rate": 2 }, { "category": "travel_portal", "rate": 3, "note": "Hotel and car rental bookings through American Express Travel Online (2x travel + 1 bonus point)" }, { "category": "*", "rate": 1 } ], "credits": [ { "amount": 100, "period": "annual", "note": "Travel credit (CAD)", "cadence": "annual" } ], "perks": [ "MR points transfer to Aeroplan/Avios/Marriott", "One free supplementary card", "Travel insurance" ], "verifiedDate": "2026-09-15", "sources": [ "https://www.americanexpress.com/ca/en/benefits/gold-rewards-card/" ], "officialUrl": "https://www.americanexpress.com/ca/en/benefits/gold-rewards-card/" }, { "id": "ca_tangerine_money_back", "name": "Tangerine Money-Back Credit Card", "issuer": "Tangerine Bank", "network": "Mastercard", "country": "CA", "feeCurrency": "CAD", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.025, "color": "#f47a1f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "groceries", "rate": 2, "note": "2% in 2 chosen categories (3 if cash back deposited to Tangerine Savings)" }, { "category": "gas", "rate": 2, "note": "If chosen as a bonus category" }, { "category": "recurring", "rate": 2, "note": "If chosen as a bonus category" }, { "category": "*", "rate": 0.5 } ], "credits": [], "perks": [ "No annual fee", "Unlimited cash back", "Choose your 2% categories" ], "signup": { "bonusPoints": 10000, "spendReq": 1000, "months": 2, "note": "10% cash back up to $100 in first 2 months", "offerVerifiedDate": "2026-09-14", "checkNote": "Offer is a percentage (10% for 2 months, $100 cap), not a points figure. `npm run offer-check-browser` reads it." }, "verifiedDate": "2026-09-15", "sources": [ "https://www.tangerine.ca/en/products/spending/creditcard/money-back?product_id=1100" ], "officialUrl": "https://www.tangerine.ca/en/products/spending/creditcard/money-back?product_id=1100" }, { "id": "ca_rogers_red_world_elite", "name": "Rogers Red World Elite Mastercard", "issuer": "Rogers Bank", "network": "Mastercard", "country": "CA", "feeCurrency": "CAD", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.025, "color": "#d6001c", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 1.5, "note": "3% on purchases made in USD; 2% on non-USD if you have a Rogers/Fido/Shaw service; accelerated rate on first $61,000/yr" } ], "credits": [], "perks": [ "No FX fee premium is offset by 3% USD cash back (net positive on US-dollar spend)", "1.5x redemption value on Rogers/Fido/Shaw bills" ], "verifiedDate": "2026-09-15", "sources": [ "https://www.rogersbank.com/en/rogers_red_worldelite_mastercard_details/" ], "officialUrl": "https://www.rogersbank.com/en/rogers_red_worldelite_mastercard_details/" }, { "id": "ca_simplii_cash_back_visa", "name": "Simplii Financial Cash Back Visa Card", "issuer": "Simplii Financial", "network": "Visa", "country": "CA", "feeCurrency": "CAD", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.025, "color": "#e4002b", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "dining", "rate": 4, "note": "Restaurants, bars and coffee shops; first $5,000/yr, then 0.5%", "cap": 5000, "capPeriod": "year" }, { "category": "gas", "rate": 1.5, "note": "shares $15,000/yr across gas, groceries, drugstores and pre-authorized payments, then 0.5%. Issuer terms: \"Earn 1.5% on eligible gas, groceries, drugstore purchases and pre-authorized payments, up to $15,000 per year.\"", "cap": 15000, "capPeriod": "year", "capGroup": "everyday" }, { "category": "groceries", "rate": 1.5, "cap": 15000, "capPeriod": "year", "note": "shares $15,000/yr across gas, groceries, drugstores and pre-authorized payments, then 0.5%. Issuer terms: \"Earn 1.5% on eligible gas, groceries, drugstore purchases and pre-authorized payments, up to $15,000 per year.\"", "capGroup": "everyday" }, { "category": "drugstores", "rate": 1.5, "cap": 15000, "capPeriod": "year", "note": "shares $15,000/yr across gas, groceries, drugstores and pre-authorized payments, then 0.5%. Issuer terms: \"Earn 1.5% on eligible gas, groceries, drugstore purchases and pre-authorized payments, up to $15,000 per year.\"", "capGroup": "everyday" }, { "category": "recurring", "rate": 1.5, "cap": 15000, "capPeriod": "year", "note": "shares $15,000/yr across gas, groceries, drugstores and pre-authorized payments, then 0.5%. Issuer terms: \"Earn 1.5% on eligible gas, groceries, drugstore purchases and pre-authorized payments, up to $15,000 per year.\"", "capGroup": "everyday" }, { "category": "*", "rate": 0.5 } ], "credits": [], "perks": [ "No annual fee" ], "verifiedDate": "2026-09-15", "sources": [ "https://www.simplii.com/en/credit-cards/cash-back-visa.html" ], "officialUrl": "https://www.simplii.com/en/credit-cards/cash-back-visa.html" }, { "id": "ca_triangle_world_elite", "name": "Triangle World Elite Mastercard", "issuer": "Canadian Tire Bank", "network": "Mastercard", "country": "CA", "feeCurrency": "CAD", "currency": "CT_MONEY", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.025, "color": "#e4002b", "cardType": "personal", "status": "open", "isRetailCobrand": true, "earn": [ { "category": "groceries", "rate": 3, "note": "Grocery stores (MCC 5411); first $12,000/yr, then 1%; excludes Costco and Walmart", "cap": 12000, "capPeriod": "year" }, { "category": "*", "rate": 1, "note": "4% CT Money at Canadian Tire, Sport Chek, Mark's, Atmosphere, Party City; fuel earns per-litre CT Money at Gas+" } ], "credits": [], "perks": [ "No annual fee", "Roadside assistance option", "Triangle retail cobrand ecosystem" ], "verifiedDate": "2026-09-15", "sources": [ "https://triangle.canadiantire.ca/en/credit-cards/triangle-world-elite-mastercard.html", "https://triangle.canadiantire.ca/en/legal-information.html" ], "officialUrl": "https://triangle.canadiantire.ca/en/credit-cards/triangle-world-elite-mastercard.html" }, { "id": "ca_national_bank_world_elite", "name": "National Bank World Elite Mastercard", "issuer": "National Bank of Canada", "network": "Mastercard", "country": "CA", "feeCurrency": "CAD", "currency": "NBC_REWARDS", "annualFee": 150, "annualFeeUnknown": false, "fxFee": 0.025, "color": "#e2231a", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "groceries", "rate": 5, "cap": 2500, "capPeriod": "month", "note": "5x applies to the first $2,500 of gross monthly purchases (all categories count toward it); after that 2x on grocery and restaurants. Issuer terms: \"5 points for every dollar in eligible grocery and restaurant purchases until a total of $2,500 in gross monthly purchases is charged to the account.\"", "capGroup": "monthly_5x" }, { "category": "dining", "rate": 5, "cap": 2500, "capPeriod": "month", "note": "5x applies to the first $2,500 of gross monthly purchases (all categories count toward it); after that 2x on grocery and restaurants. Issuer terms: \"5 points for every dollar in eligible grocery and restaurant purchases until a total of $2,500 in gross monthly purchases is charged to the account.\"", "capGroup": "monthly_5x" }, { "category": "gas", "rate": 2 }, { "category": "ev_charging", "rate": 2 }, { "category": "recurring", "rate": 2 }, { "category": "travel", "rate": 2 }, { "category": "*", "rate": 1 } ], "credits": [ { "amount": 150, "period": "annual", "note": "Travel credit (CAD) offsets the annual fee", "cadence": "annual" } ], "perks": [ "National Bank Lounge access at YUL", "Strong insurance package", "Points redeem ~1 cent toward travel" ], "verifiedDate": "2026-09-15", "sources": [ "https://www.nbc.ca/personal/credit-cards.html", "https://www.nbc.ca/personal/mastercard-credit-cards/world-elite.html" ], "officialUrl": "https://www.nbc.ca/personal/mastercard-credit-cards/world-elite.html", "signup": { "bonusPoints": 15000, "spendReq": 20000, "months": 12, "note": "5,000 points after $5,000 in net purchases in the first 90 days, plus 10,000 after $20,000 in the first 12 months. Further 10,000-point bonuses for payment insurance or a chequing account are not counted.", "offerVerifiedDate": "2026-09-15" } }, { "id": "ca_neo_world_elite", "name": "Neo World Elite Mastercard", "issuer": "Neo Financial", "network": "Mastercard", "country": "CA", "feeCurrency": "CAD", "currency": "CASH", "annualFee": 149, "annualFeeUnknown": false, "fxFee": 0.03, "color": "#1f1f2e", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "groceries", "rate": 5, "note": "Gas & Grocery variant; other variants: Shop & Dine (5% dining), Everywhere (2% flat to $4,000/mo)" }, { "category": "recurring", "rate": 4 }, { "category": "gas", "rate": 3 }, { "category": "ev_charging", "rate": 3 }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "Extra cash back at 10,000+ Neo partner merchants", "Choose one of three reward profiles" ], "verifiedDate": "2026-09-15", "sources": [ "https://www.neofinancial.com/credit-cards/neo-world-elite-mastercard", "https://support.neofinancial.com/en/articles/14009843" ], "officialUrl": "https://www.neofinancial.com/credit-cards/neo-world-elite-mastercard" }, { "id": "ca_pc_world_elite", "name": "PC World Elite Mastercard", "issuer": "PC Financial", "network": "Mastercard", "country": "CA", "feeCurrency": "CAD", "currency": "PC_OPTIMUM", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0.025, "color": "#c8102e", "cardType": "personal", "status": "open", "isRetailCobrand": true, "earn": [ { "category": "groceries", "rate": 30, "note": "Loblaw banners only: 30 PC Optimum pts/$1 at participating grocery stores where President\u2019s Choice products are sold (~3%)", "portalOnly": true, "brand": "Loblaw grocery banners" }, { "category": "drugstores", "rate": 45, "note": "Shoppers Drug Mart / Pharmaprix only: 45 pts/$1 (~4.5%)", "portalOnly": true, "brand": "Shoppers Drug Mart and Pharmaprix" }, { "category": "*", "rate": 10, "note": "10 pts/$1 elsewhere (~1%); 1,000 PC Optimum pts = $1" } ], "credits": [], "perks": [ "No annual fee", "Travel medical & rental insurance rare for a no-fee card", "Concierge" ], "signup": { "bonusPoints": 50000, "spendReq": 100, "months": 2, "note": "50,000 PC Optimum points (about $50) after $100 at participating stores within 60 days of approval", "offerVerifiedDate": "2026-09-15" }, "verifiedDate": "2026-09-15", "sources": [ "https://www.pcfinancial.ca/en/credit-cards/world-elite/" ], "officialUrl": "https://www.pcfinancial.ca/en/credit-cards/world-elite/" }, { "id": "ca_bmo_eclipse_visa_infinite", "name": "BMO eclipse Visa Infinite Card", "issuer": "BMO", "network": "Visa", "country": "CA", "feeCurrency": "CAD", "currency": "BMO_REWARDS", "annualFee": 120, "annualFeeUnknown": false, "fxFee": 0.025, "color": "#5b2d8e", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "dining", "rate": 5, "note": "Category caps apply" }, { "category": "groceries", "rate": 5 }, { "category": "gas", "rate": 5 }, { "category": "transit", "rate": 5 }, { "category": "rideshare", "rate": 5, "note": "Rideshare apps (Uber, Lyft) earn with gas and transit; category caps apply" }, { "category": "*", "rate": 1 } ], "credits": [ { "amount": 50, "period": "annual", "note": "Lifestyle credit (CAD) after first year", "cadence": "annual" } ], "perks": [ "10% points bonus with an eligible BMO account", "First year fee waived on current offer", "Welcome offer up to 70,000 BMO Rewards" ], "verifiedDate": "2026-09-02", "sources": [ "https://www.bmo.com/main/personal/credit-cards/bmo-eclipse-visa-infinite/" ], "officialUrl": "https://www.bmo.com/main/personal/credit-cards/bmo-eclipse-visa-infinite/", "shortName": "BMO eclipse" }, { "id": "ca_cibc_dividend_visa_infinite", "name": "CIBC Dividend Visa Infinite Card", "issuer": "CIBC", "network": "Visa", "country": "CA", "feeCurrency": "CAD", "currency": "CASH", "annualFee": 120, "annualFeeUnknown": false, "fxFee": 0.025, "color": "#8c1d40", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "groceries", "rate": 4 }, { "category": "gas", "rate": 4 }, { "category": "ev_charging", "rate": 4 }, { "category": "transit", "rate": 2 }, { "category": "dining", "rate": 2 }, { "category": "recurring", "rate": 2 }, { "category": "travel_portal", "rate": 2, "note": "Travel booked through CIBC by Expedia" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "First year fee rebated on current offer", "No annual cash-back cap", "Fuel savings at Journie/Pioneer partners" ], "verifiedDate": "2026-09-15", "sources": [ "https://www.cibc.com/en/personal-banking/credit-cards/all-credit-cards/dividend-visa-infinite-card.html" ], "officialUrl": "https://www.cibc.com/en/personal-banking/credit-cards/all-credit-cards/dividend-visa-infinite-card.html", "signup": { "bonusPoints": 20000, "spendReq": 2000, "months": 4, "note": "10% cash back on net purchases up to $2,000 for the first 4 statements (up to $200), plus a $50 cash back bonus for setting up one pre-authorized payment (not counted).", "offerVerifiedDate": "2026-09-15" } }, { "id": "ca_td_cash_back_visa_infinite", "name": "TD Cash Back Visa Infinite Card", "issuer": "TD Canada Trust", "network": "Visa", "country": "CA", "feeCurrency": "CAD", "currency": "CASH", "annualFee": 139, "annualFeeUnknown": false, "fxFee": 0.025, "color": "#008a00", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "groceries", "rate": 3, "note": "first $15,000/yr in this category, then 1%. Issuer terms cap four categories separately - \"(i) Grocery Purchases, (ii) Gas & Electric Vehicle Charging Purchases, (iii) Public Transit Purchases, and (iv) Recurring Bill Payments and Streaming, Digital Gaming & Media Purchases\" - each at the first $15,000 in annual Purchases in that category, so this row keeps its own $15,000.", "cap": 15000, "capPeriod": "year", "capSeparate": true }, { "category": "gas", "rate": 3, "cap": 15000, "capPeriod": "year", "note": "Gas and EV charging share one $15,000/yr cap, then 1%. Issuer terms cap four categories separately - \"(i) Grocery Purchases, (ii) Gas & Electric Vehicle Charging Purchases, (iii) Public Transit Purchases, and (iv) Recurring Bill Payments and Streaming, Digital Gaming & Media Purchases\" - each at the first $15,000 in annual Purchases in that category, so gas and EV charging share one pool.", "capGroup": "gas_ev" }, { "category": "ev_charging", "rate": 3, "cap": 15000, "capPeriod": "year", "note": "Shares the gas $15,000/yr cap, then 1%. Issuer terms cap four categories separately - \"(i) Grocery Purchases, (ii) Gas & Electric Vehicle Charging Purchases, (iii) Public Transit Purchases, and (iv) Recurring Bill Payments and Streaming, Digital Gaming & Media Purchases\" - each at the first $15,000 in annual Purchases in that category, so gas and EV charging share one pool.", "capGroup": "gas_ev" }, { "category": "transit", "rate": 3, "cap": 15000, "capPeriod": "year", "note": "Public transit; first $15,000/yr in this category, then 1%. Issuer terms cap four categories separately - \"(i) Grocery Purchases, (ii) Gas & Electric Vehicle Charging Purchases, (iii) Public Transit Purchases, and (iv) Recurring Bill Payments and Streaming, Digital Gaming & Media Purchases\" - each at the first $15,000 in annual Purchases in that category, so this row keeps its own $15,000.", "capSeparate": true }, { "category": "recurring", "rate": 3, "cap": 15000, "capPeriod": "year", "note": "Recurring bills and streaming/digital gaming/media share one $15,000/yr cap, then 1%. Issuer terms cap four categories separately - \"(i) Grocery Purchases, (ii) Gas & Electric Vehicle Charging Purchases, (iii) Public Transit Purchases, and (iv) Recurring Bill Payments and Streaming, Digital Gaming & Media Purchases\" - each at the first $15,000 in annual Purchases in that category, so recurring bills and streaming/media share one pool.", "capGroup": "recurring_media" }, { "category": "streaming", "rate": 3, "cap": 15000, "capPeriod": "year", "note": "Streaming, digital gaming and media; shares the recurring-bill $15,000/yr cap, then 1%. Issuer terms cap four categories separately - \"(i) Grocery Purchases, (ii) Gas & Electric Vehicle Charging Purchases, (iii) Public Transit Purchases, and (iv) Recurring Bill Payments and Streaming, Digital Gaming & Media Purchases\" - each at the first $15,000 in annual Purchases in that category, so recurring bills and streaming/media share one pool.", "capGroup": "recurring_media" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "First year fee waived on current offer", "Travel & purchase insurance" ], "signup": { "bonusPoints": 35000, "spendReq": 3500, "months": 3, "note": "10% cash back on gas/grocery/pre-auth in first 3 months, capped at ~$350", "offerVerifiedDate": "2026-09-14", "checkNote": "Offer is a percentage (10% for 3 months) inside a bundled 'total value' figure. `npm run offer-check-browser` reads it." }, "verifiedDate": "2026-09-15", "sources": [ "https://www.td.com/ca/en/personal-banking/products/credit-cards/cash-back/cash-back-visa-infinite-card" ], "officialUrl": "https://www.td.com/ca/en/personal-banking/products/credit-cards/cash-back/cash-back-visa-infinite-card" }, { "id": "ca_scotia_momentum_visa_infinite", "name": "Scotia Momentum Visa Infinite Card", "issuer": "Scotiabank", "network": "Visa", "country": "CA", "feeCurrency": "CAD", "currency": "CASH", "annualFee": 120, "annualFeeUnknown": false, "fxFee": 0.025, "color": "#d0202f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "groceries", "rate": 4, "cap": 25000, "capPeriod": "year", "note": "4% categories: $25,000 annual spend limit, then 1%. Issuer terms: \"You will earn 4% Cash Back on eligible Purchases on your Account at Grocery and on Recurring Bill Payments, up to an annual spend limit of $25,000.\"", "capGroup": "tier_4pct" }, { "category": "recurring", "rate": 4, "note": "Recurring bills and subscriptions; 4% categories: $25,000 annual spend limit, then 1%. Issuer terms: \"You will earn 4% Cash Back on eligible Purchases on your Account at Grocery and on Recurring Bill Payments, up to an annual spend limit of $25,000.\"", "cap": 25000, "capPeriod": "year", "capGroup": "tier_4pct" }, { "category": "gas", "rate": 2, "cap": 25000, "capPeriod": "year", "note": "2% categories (gas, EV, transit, rideshare, food delivery): $25,000 annual spend limit, then 1%. Issuer terms: \"You will earn 2% Cash Back on eligible Purchases on Gas Stations, Electric Vehicle Charging (EV), Transit, Rideshare and Food Delivery, up to an annual spend limit of $25,000.\"", "capGroup": "tier_2pct" }, { "category": "transit", "rate": 2, "cap": 25000, "capPeriod": "year", "note": "2% categories (gas, EV, transit, rideshare, food delivery): $25,000 annual spend limit, then 1%. Issuer terms: \"You will earn 2% Cash Back on eligible Purchases on Gas Stations, Electric Vehicle Charging (EV), Transit, Rideshare and Food Delivery, up to an annual spend limit of $25,000.\"", "capGroup": "tier_2pct" }, { "category": "ev_charging", "rate": 2, "cap": 25000, "capPeriod": "year", "note": "2% categories (gas, EV, transit, rideshare, food delivery): $25,000 annual spend limit, then 1%. Issuer terms: \"You will earn 2% Cash Back on eligible Purchases on Gas Stations, Electric Vehicle Charging (EV), Transit, Rideshare and Food Delivery, up to an annual spend limit of $25,000.\"", "capGroup": "tier_2pct" }, { "category": "rideshare", "rate": 2, "cap": 25000, "capPeriod": "year", "note": "2% categories (gas, EV, transit, rideshare, food delivery): $25,000 annual spend limit, then 1%. Issuer terms: \"You will earn 2% Cash Back on eligible Purchases on Gas Stations, Electric Vehicle Charging (EV), Transit, Rideshare and Food Delivery, up to an annual spend limit of $25,000.\"", "capGroup": "tier_2pct" }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "First year fee waived on current offer", "New Mobile Device Insurance", "Strong travel insurance" ], "signup": { "bonusPoints": 30000, "spendReq": 2000, "months": 3, "note": "15% cash back on the first $2,000 spent in 3 months ($300 max) for accounts opened 2026-07-02 through 2026-11-01", "offerVerifiedDate": "2026-09-15", "offerEnds": "2026-11-01", "checkNote": "Offer is a percentage (15% on the first $2,000), not a points figure. `npm run offer-check-browser` reads it." }, "verifiedDate": "2026-09-15", "sources": [ "https://www.scotiabank.com/ca/en/personal/credit-cards/visa/momentum-infinite-card.html" ], "officialUrl": "https://www.scotiabank.com/ca/en/personal/credit-cards/visa/momentum-infinite-card.html" }, { "id": "ca_westjet_rbc_world_elite", "name": "WestJet RBC World Elite Mastercard", "issuer": "Royal Bank of Canada", "network": "Mastercard", "country": "CA", "feeCurrency": "CAD", "currency": "WESTJET", "annualFee": 139, "annualFeeUnknown": false, "fxFee": 0.025, "color": "#0f7ec5", "cardType": "personal", "status": "open", "isRetailCobrand": true, "earn": [ { "category": "flights", "rate": 2, "note": "WestJet only: WestJet flights & vacations packages; not other airlines", "portalOnly": true, "brand": "WestJet" }, { "category": "groceries", "rate": 2 }, { "category": "gas", "rate": 2 }, { "category": "ev_charging", "rate": 2 }, { "category": "transit", "rate": 2 }, { "category": "rideshare", "rate": 2 }, { "category": "*", "rate": 1.5 } ], "credits": [], "perks": [ "Annual round-trip companion voucher (from $119 + taxes)", "Free first checked bag on WestJet", "WestJet cobrand" ], "verifiedDate": "2026-09-15", "sources": [ "https://www.rbcroyalbank.com/credit-cards/travel/westjet-rbc-world-elite-mastercard.html" ], "officialUrl": "https://www.rbcroyalbank.com/credit-cards/travel/westjet-rbc-world-elite-mastercard.html" }, { "id": "ca_brim_world_elite", "name": "Brim World Elite Mastercard", "issuer": "Brim Financial", "network": "Mastercard", "country": "CA", "feeCurrency": "CAD", "currency": "CASH", "annualFee": 89, "annualFeeUnknown": false, "fxFee": 0.015, "color": "#111827", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 1, "note": "1 Brim point/$1 (points redeem ~1 cent); extra points via in-app merchant offers" } ], "credits": [], "perks": [ "Reduced 1.5% foreign transaction fee", "Lounge passes / Wi-Fi perks", "In-app merchant bonus offers" ], "verifiedDate": "2026-09-15", "sources": [ "https://www.brimfinancial.com/credit-cards" ], "officialUrl": "https://www.brimfinancial.com/credit-cards" }, { "id": "mx_bbva_azul", "name": "Tarjeta Azul BBVA", "issuer": "BBVA Mexico", "network": "Visa", "country": "MX", "feeCurrency": "MXN", "currency": "PUNTOS_BBVA", "annualFee": 867.68, "annualFeeUnknown": false, "fxFee": 0, "color": "#004481", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0.09, "note": "Puntos BBVA equal to 9% of each single-payment purchase (issuer page); meses-sin-intereses purchases earn none. Puntos worth ~$0.07-0.10 MXN each" } ], "credits": [], "perks": [ "Entry BBVA card", "Waived annual fee for life if opened 100% online (new customers, kept current)", "Meses sin intereses promotions" ], "verifiedDate": "2026-09-15", "sources": [ "https://www.bbva.mx/personas/productos/tarjetas-de-credito/tarjeta-de-credito-azul.html" ], "officialUrl": "https://www.bbva.mx/personas/productos/tarjetas-de-credito/tarjeta-de-credito-azul.html" }, { "id": "mx_bbva_oro", "name": "Tarjeta Oro BBVA", "issuer": "BBVA Mexico", "network": "Visa", "country": "MX", "feeCurrency": "MXN", "currency": "PUNTOS_BBVA", "annualFee": 1335.16, "annualFeeUnknown": false, "fxFee": 0, "color": "#c9a227", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0.11, "note": "Puntos BBVA equal to 11% of each single-payment purchase (issuer page); meses-sin-intereses purchases earn none. Puntos worth ~$0.07-0.10 MXN each" } ], "credits": [], "perks": [ "Mid-tier BBVA card", "Travel & purchase protections", "Meses sin intereses promotions" ], "verifiedDate": "2026-09-15", "sources": [ "https://www.bbva.mx/personas/productos/tarjetas-de-credito/tarjeta-de-credito-oro.html" ], "officialUrl": "https://www.bbva.mx/personas/productos/tarjetas-de-credito/tarjeta-de-credito-oro.html" }, { "id": "mx_bbva_platinum", "name": "Tarjeta Platinum BBVA", "issuer": "BBVA Mexico", "network": "Visa", "country": "MX", "feeCurrency": "MXN", "currency": "PUNTOS_BBVA", "annualFee": 2991.64, "annualFeeUnknown": false, "fxFee": 0, "color": "#1a1a2e", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0.15, "note": "Puntos BBVA equal to 15% of each single-payment purchase (issuer page); meses-sin-intereses purchases earn none. Puntos worth ~$0.07-0.10 MXN each" } ], "credits": [], "perks": [ "Priority Pass membership", "Concierge & travel insurance", "Fee waived from year 2 if annual spend >= $750,000 MXN" ], "verifiedDate": "2026-09-15", "sources": [ "https://www.bbva.mx/personas/productos/tarjetas-de-credito/tarjeta-de-credito-platinum.html" ], "officialUrl": "https://www.bbva.mx/personas/productos/tarjetas-de-credito/tarjeta-de-credito-platinum.html" }, { "id": "mx_banamex_descubre", "name": "Tarjeta de Cr\u00e9dito Descubre Banamex", "issuer": "Banamex", "network": "Visa", "country": "MX", "feeCurrency": "MXN", "currency": "THANKYOU_MX", "annualFee": 1426.8, "annualFeeUnknown": false, "fxFee": 0, "color": "#004b8d", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0.055, "note": "1 Punto Premia per USD-equivalent (~$18 MXN). Issuer page: \"Recibe 1 Puntos por cada 1 USD o su equivalente en pesos\". Encoded per-peso at the same ~18 MXN/USD assumption the Amex MX cards use; exchange-rate dependent." } ], "credits": [], "perks": [ "Points/Premia redeemable for cash at ATM", "18-month points expiry", "Banamex (formerly Citibanamex) travel & catalog redemptions" ], "verifiedDate": "2026-09-15", "sources": [ "https://www.banamex.com/es/personas/tarjetas-credito/tarjeta-de-credito-recompensas-descubre.html", "https://www.banamex.com/es/personas/tarjetas-credito/tarjeta-de-credito-recompensas-descubre/tarifas-comisiones.html" ], "officialUrl": "https://www.banamex.com/es/personas/tarjetas-credito/tarjeta-de-credito-recompensas-descubre.html", "welcomeBonusText": "Certificado 2x1 en boletos de avi\u00f3n al acumular al menos 600 Puntos en los primeros 3 meses." }, { "id": "mx_nu", "name": "Tarjeta de Credito Nu", "issuer": "Nu Mexico (Nubank)", "network": "Mastercard", "country": "MX", "feeCurrency": "MXN", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#820ad1", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 1, "note": "1% automatic cashback on all purchases, paid in-app" } ], "credits": [], "perks": [ "No annual fee, no minimum spend", "100% digital", "No card-replacement fee" ], "verifiedDate": "2026-09-02", "sources": [ "https://nu.com.mx/ayuda/sobre-la-tarjeta-de-credito-nu/beneficios-tarjeta-nu/" ], "officialUrl": "https://nu.com.mx/ayuda/sobre-la-tarjeta-de-credito-nu/beneficios-tarjeta-nu/" }, { "id": "mx_santander_likeu", "name": "Tarjeta LikeU Santander", "issuer": "Santander Mexico", "network": "Mastercard", "country": "MX", "feeCurrency": "MXN", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#ec0000", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "drugstores", "rate": 6, "note": "Total cashback capped ~$500 MXN/month; paid to a Santander debit account" }, { "category": "dining", "rate": 5 }, { "category": "phone_internet", "rate": 4 }, { "category": "groceries", "rate": 1 }, { "category": "*", "rate": 1 } ], "credits": [], "perks": [ "No annual fee if you spend $200 MXN/month (else $169/month)", "Direct cashback, no points" ], "verifiedDate": "2026-09-02", "sources": [ "https://www.santander.com.mx/personas/tarjetas-de-credito/likeu.html" ], "officialUrl": "https://www.santander.com.mx/personas/tarjetas-de-credito/likeu.html" }, { "id": "mx_amex_gold_elite", "name": "The Gold Elite Credit Card (American Express Mexico)", "issuer": "American Express (Mexico)", "network": "American Express", "country": "MX", "feeCurrency": "MXN", "currency": "MR_MX", "annualFee": 1972, "annualFeeUnknown": false, "fxFee": 0.027, "color": "#b8912f", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0.055, "note": "1 MR point per USD-equivalent (~$18 MXN); exchange-rate dependent. Points redeem ~10 pts = $1 MXN" } ], "credits": [], "perks": [ "First year fee free", "Membership Rewards with Payback", "Automatic 3 meses sin intereses on purchases over $2,400 MXN", "Airport lounge & travel benefits" ], "verifiedDate": "2026-09-15", "sources": [ "https://www.americanexpress.com/es-mx/tarjetas-de-credito/gold-elite-credit-card/", "https://www.americanexpress.com/content/dam/amex/mx/beneficios/the-gold-elite/pdf/ley-transparencia-grcc.pdf" ], "officialUrl": "https://www.americanexpress.com/es-mx/tarjetas-de-credito/gold-elite-credit-card/", "welcomeBonusText": "Obt\u00e9n $4,000 M.N. Cashback al adquirir La Tarjeta.", "conditionalCredits": [ { "id": "mx_amex_gold_elite-walmart-cashback", "label": "Cashback mensual Walmart", "amount": 1800, "period": "year", "cadence": "monthly", "categories": [ "groceries" ], "note": "$150.00 M.N. de Cashback mensual en Walmart; requiere un consumo m\u00ednimo mensual de $1,500 M.N.", "conditional": true, "gate": "Requiere al menos $1,500 M.N. de compras en el mes." } ] }, { "id": "mx_amex_platinum_credit", "name": "The Platinum Credit Card (American Express Mexico)", "issuer": "American Express (Mexico)", "network": "American Express", "country": "MX", "feeCurrency": "MXN", "currency": "MR_MX", "annualFee": 4292, "annualFeeUnknown": false, "fxFee": 0.027, "color": "#2f3336", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0.055, "note": "1 MR point per USD-equivalent (~$18 MXN); exchange-rate dependent. Platinum travel redemptions worth up to ~$0.15 MXN/pt" } ], "credits": [], "perks": [ "Priority Pass & Centurion lounge access", "Hotel elite status", "Concierge & travel credits", "Fee $4,200 MXN + IVA (rose Sep 2026)", "Anualidad: $3,700.00 M.N. m\u00e1s IVA ($4,292). A partir del 22 de septiembre de 2026 aumenta a $4,200.00 M.N. m\u00e1s IVA ($4,872).", "Cashback Viva de $800 M.N. publicado por el emisor; no se codifica porque no se ley\u00f3 su periodicidad." ], "verifiedDate": "2026-09-15", "sources": [ "https://www.americanexpress.com/es-mx/tarjetas-de-credito/the-platinum-credit-card/" ], "officialUrl": "https://www.americanexpress.com/es-mx/tarjetas-de-credito/the-platinum-credit-card/", "welcomeBonusText": "Obt\u00e9n $8,000 M.N. de Cashback al adquirir La Tarjeta, m\u00e1s $2,000 M.N. al contratar el Seguro Amex Guard.", "conditionalCredits": [ { "id": "mx_amex_platinum_credit-walmart-cashback", "label": "Cashback mensual Walmart", "amount": 6000, "period": "year", "cadence": "monthly", "categories": [ "groceries" ], "note": "$500.00 M.N. de Cashback mensual en Walmart seg\u00fan la p\u00e1gina del emisor; no se ley\u00f3 si exige consumo m\u00ednimo.", "conditional": true, "gate": "El emisor publica el monto mensual; cualquier consumo m\u00ednimo no fue le\u00eddo." } ] }, { "id": "mx_banorte_por_ti", "name": "Tarjeta Banorte POR Ti", "issuer": "Banorte", "network": "Visa", "country": "MX", "feeCurrency": "MXN", "currency": "CASH", "annualFee": 1100, "annualFeeUnknown": false, "fxFee": 0, "color": "#eb0029", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 1, "note": "1% cash back on all purchases in months with at least $4,000 MXN spend; max $5,000 MXN cash back/year; redeemable only at participating merchants Also 2% on gas Monday to Friday and 2% at restaurants Saturday and Sunday; not scored, because the engine cannot tell the day a rate applies." } ], "credits": [], "perks": [ "Annual fee waived if you spend >= $4,000 MXN/month", "Cash bonuses instead of points", "Choose your bonus categories each month" ], "verifiedDate": "2026-09-15", "sources": [ "https://www.banorte.com/Personal/TDC/POR-Ti.html" ], "officialUrl": "https://www.banorte.com/Personal/TDC/POR-Ti.html" }, { "id": "mx_banorte_oro", "name": "Tarjeta Banorte Oro", "issuer": "Banorte", "network": "Visa", "country": "MX", "feeCurrency": "MXN", "currency": "BANORTE_RECOMPENSAS", "annualFee": 1100, "annualFeeUnknown": false, "fxFee": 0, "color": "#c9a227", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0.115, "note": "1.15 Recompensas points per $10 MXN; points redeem ~$0.03-0.08 MXN (best value on flights)" } ], "credits": [], "perks": [ "First-year fee bonified if $6,000 MXN spent in first 30 days", "Recompensa Total catalog/travel redemptions", "Meses sin intereses" ], "verifiedDate": "2026-09-15", "sources": [ "https://www.banorte.com/Personal/TDC/Oro.html" ], "officialUrl": "https://www.banorte.com/Personal/TDC/Oro.html" }, { "id": "mx_hsbc_2now", "name": "Tarjeta HSBC 2now", "issuer": "HSBC Mexico", "network": "Mastercard", "country": "MX", "feeCurrency": "MXN", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#db0011", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 2, "note": "2% en Saldo HSBC 2now sobre los primeros $42,500.00 M.N. de compras entre fechas de corte (m\u00e1ximo 850 puntos por periodo). No generan puntos las compras a meses sin intereses, las disposiciones de efectivo ni las transferencias de saldo.", "cap": 42500, "capPeriod": "month" } ], "credits": [], "perks": [ "No annual fee ($186 MXN/month waived if you spend >= $3,500 MXN/statement)", "Cashback credited to the card", "Comisi\u00f3n anual $0.00 M.N. condicionada: la administraci\u00f3n de $186.00 M.N. mensuales se exenta al acumular al menos $3,500.00 M.N. en compras en el periodo mensual." ], "verifiedDate": "2026-09-15", "sources": [ "https://www.hsbc.com.mx/tarjetas-de-credito/productos/2now/", "https://www.hsbc.com.mx/content/dam/hsbc/mx/documents/tarjetas/folleto_digital_2now.pdf", "https://www.hsbc.com.mx/content/dam/hsbc/mx/documents/tarjetas/terminos_condiciones_2now.pdf", "https://www.hsbc.com.mx/content/dam/hsbc/mx/documents/comisiones/comisiones_tdc_pfisicas.pdf" ], "officialUrl": "https://www.hsbc.com.mx/tarjetas-de-credito/productos/2now/", "welcomeBonusText": "Obt\u00e9n un vuelo redondo nacional en compras acumuladas a partir de $50,000 M.N. durante los primeros 90 d\u00edas." }, { "id": "mx_hey_banco", "name": "Tarjeta de Credito Hey", "issuer": "Hey Banco", "network": "Visa", "country": "MX", "feeCurrency": "MXN", "currency": "CASH", "annualFee": 696, "annualFeeUnknown": false, "fxFee": 0, "color": "#00c389", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "online_retail", "rate": 2, "note": "Tarjeta virtual en comercios participantes Hey \u00fanicamente (Amazon, Uber, Rappi, Uber Eats, Netflix, Spotify, HBO Max, Disney, iTunes, YouTube, Xbox, Nintendo, Didi, Didi Food, Steam Games, Riot Games, PlayStation, Epic Games, Twitch).", "portalOnly": true, "brand": "Hey partner merchants" }, { "category": "*", "rate": 1, "note": "Monthly super-cashback promos can add 10%+ on select spend" } ], "credits": [], "perks": [ "Annual fee ($600 MXN + IVA) only if you opt into rewards; free for life otherwise", "Meses sin intereses", "Digital bank (Banregio)", "La anualidad de $600 M.N. m\u00e1s IVA ($696) es opcional y es la que habilita las recompensas; sin ella la tarjeta es sin anualidad de por vida." ], "verifiedDate": "2026-09-15", "sources": [ "https://banco.hey.inc/universo-hey/para-ti-o-tu-negocio/tarjetas-de-credito-hey/tarjeta-credito-hey-personal" ], "officialUrl": "https://banco.hey.inc/universo-hey/para-ti-o-tu-negocio/tarjetas-de-credito-hey/tarjeta-credito-hey-personal", "correctedOn": "2026-09-15" }, { "id": "mx_scotia_travel_oro", "name": "Scotia Travel Oro", "issuer": "Scotiabank Mexico", "network": "Visa", "country": "MX", "feeCurrency": "MXN", "currency": "CASH", "annualFee": 1402.44, "annualFeeUnknown": false, "fxFee": 0, "color": "#e2231a", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0.5, "note": "0.5% base in ScotiaPesos" } ], "credits": [], "perks": [ "ScotiaPesos redeem 1:1 for pesos / travel", "Welcome ~2,500 ScotiaPesos", "Interest-free months abroad" ], "verifiedDate": "2026-09-15", "sources": [ "https://www.scotiabank.com.mx/personas/tarjetas-de-credito/travel-oro.aspx", "https://www.scotiabank.com.mx/personas/tarjetas-de-credito/scotiarewards.aspx" ], "officialUrl": "https://www.scotiabank.com.mx/personas/tarjetas-de-credito/travel-oro.aspx", "welcomeBonusText": "Primera anualidad bonificada y 6 meses sin intereses en las primeras compras." }, { "id": "mx_banco_azteca_oro", "name": "Tarjeta Oro Banco Azteca", "issuer": "Banco Azteca", "network": "Visa", "country": "MX", "feeCurrency": "MXN", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#00953b", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "*", "rate": 0, "note": "No ongoing rewards program; during cardholder birthday month purchases earn 20% extra (up to ~2.4% cashback)" } ], "credits": [], "perks": [ "No annual fee, no inactivity charge", "3-18 meses sin intereses at 60,000+ merchants", "Accessible/entry credit card" ], "verifiedDate": "2026-09-02", "sources": [ "https://www.bancoazteca.com.mx/productos/tarjetas/tarjeta-credito-oro/beneficios.html" ], "officialUrl": "https://www.bancoazteca.com.mx/productos/tarjetas/tarjeta-credito-oro/beneficios.html" }, { "id": "mx_invex_volaris", "name": "Tarjeta Volaris INVEX", "issuer": "INVEX", "network": "Mastercard", "country": "MX", "feeCurrency": "MXN", "currency": "CASH", "annualFee": 2100, "annualFeeUnknown": false, "fxFee": 0, "color": "#5b2d8e", "cardType": "personal", "status": "open", "isRetailCobrand": true, "earn": [ { "category": "*", "rate": 1, "note": "~1% accrual as Monedero Volaris (Volaris travel credit); exact tier rate varies by card level (0/1/2.0)" } ], "credits": [], "perks": [ "Volaris airline cobrand (Monedero Volaris)", "$0 fee variant available with monthly spend", "Meses sin intereses" ], "verifiedDate": "2026-09-02", "sources": [ "https://www.invextarjetas.com.mx/" ], "officialUrl": "https://www.invextarjetas.com.mx/" }, { "id": "barclays_samsung_galaxy_card", "name": "Samsung Galaxy Card", "issuer": "Barclays", "network": "Visa", "currency": "CASH", "annualFee": 0, "annualFeeUnknown": false, "fxFee": 0, "color": "#1428a0", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "online_retail", "rate": 5, "portalOnly": true, "brand": "Samsung", "note": "Samsung direct purchases only: Samsung.com, Samsung Shop App, Samsung Experience Stores, Galaxy Store, Samsung Smart TV Store, Samsung Secure Wi-Fi, Samsung Care+ and SmartThings Video; purchases financed by Easy Pay promotions do not earn 5% unless specifically offered" }, { "category": "streaming", "rate": 2, "note": "Eligible video, music and audio streaming services such as Netflix, Disney+ and Spotify; Barclays publishes the qualifying merchant list on the card page" }, { "category": "*", "rate": 1, "note": "1% base. Purchases made through Samsung Wallet with this card earn 3%, which is not scored: a statement does not show which wallet a charge went through, so estimates can only under-count this card" } ], "credits": [], "perks": [ "No annual fee, no foreign transaction fees", "20% off a Samsung VIP Advantage membership bought or renewed with the card", "No limit on cash rewards earned; rewards do not expire (bank-deposit redemptions limited to $500 a day)", "Virtual card plus a metal physical card", "Samsung Wallet requires a compatible device on Android 9.0 or higher and a Samsung account" ], "signup": { "bonusPoints": 20000, "spendReq": 2000, "months": 3, "offerVerifiedDate": "2026-09-15", "note": "$200 in bonus cash rewards after $2,000 in purchases within the first 90 days of account opening." }, "verifiedDate": "2026-09-15", "sources": [ "https://cards.barclaycardus.com/banking/cards/samsung-galaxy-card/", "https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48355", "https://news.samsung.com/us/samsung-introducing-galaxy-card/" ], "conversionNotes": [ "Launched 2026-07-22 (applications opened to the public). The 5% Samsung row is merchant-gated (portalOnly, brand Samsung) and filed under online_retail so it never scores as a category rate." ], "country": "US", "officialUrl": "https://cards.barclaycardus.com/banking/cards/samsung-galaxy-card/" }, { "id": "nfcu_flagship_premier", "name": "Navy Federal Flagship Premier Visa Signature", "shortName": "Flagship Premier", "issuer": "Navy Federal", "network": "Visa", "currency": "NFCU_POINTS", "annualFee": 95, "annualFeeUnknown": false, "fxFee": 0, "color": "#00294d", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel", "rate": 4, "note": "All travel: airlines, hotels, cruises, vacation rentals, campgrounds, car rentals, ridesharing, parking, tolls and ferries, wherever booked" }, { "category": "dining", "rate": 3, "note": "Restaurants" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "nfcu_flagship_premier-airline-credit", "label": "Annual airline credit", "amount": 100, "period": "year", "cadence": "annual", "categories": [ "flights" ], "note": "$100 statement credit after $100 or more in eligible airline purchases each year; Navy Federal counts the year from the account opening date" }, { "id": "nfcu_flagship_premier-global-entry-tsa-precheck-credit", "label": "Global Entry/TSA PreCheck credit", "amount": 30, "period": "year", "cadence": "every4y", "categories": [ "travel" ], "note": "Up to $120 in statement credits for Global Entry or TSA PreCheck fees every 4 years, shown as $30/yr amortized" } ], "perks": [ "Membership required (Navy Federal: armed forces, DoD, veterans and their families)", "Navy Federal's first metal card", "No foreign transaction fees and no balance transfer fees; no cash advance fees at Navy Federal branches and ATMs", "Complimentary GigSky global mobile data plan (3GB, up to 15 days)", "Points have no earning limit and do not expire while the account is open; redeem for cash, travel, gift cards and merchandise", "Travel assistance, travel accident insurance and auto rental collision damage waiver", "Existing Flagship Rewards cardholders can switch without a new application" ], "signup": { "bonusPoints": 50000, "spendReq": 4000, "months": 3, "offerVerifiedDate": "2026-09-15", "note": "Limited-time offer for accounts opened 2026-09-10 through 2027-01-03; $4,000 within 90 days.", "offerEnds": "2027-01-03" }, "verifiedDate": "2026-09-15", "sources": [ "https://www.navyfederal.org/loans-cards/credit-cards/flagship-premier-visa-signature.html", "https://www.navyfederal.org/loans-cards/credit-cards/offers/flagship-visa-signature.html", "https://www.navyfederal.org/about/press-releases/2026-press-releases/Flagship-Premier-Launch.html" ], "country": "US", "officialUrl": "https://www.navyfederal.org/loans-cards/credit-cards/flagship-premier-visa-signature.html" }, { "id": "robinhood_platinum", "name": "Robinhood Platinum Card", "shortName": "Robinhood Platinum", "issuer": "Coastal Community Bank (Robinhood)", "network": "Visa", "currency": "CASH", "annualFee": 695, "annualFeeUnknown": false, "fxFee": 0, "color": "#1c1c1c", "cardType": "personal", "status": "open", "isRetailCobrand": false, "earn": [ { "category": "travel_portal", "rate": 10, "note": "Prepaid hotels booked through the Robinhood Travel portal (Robinhood's support page also lists rental cars at 10%; the program terms name hotels only)" }, { "category": "flights", "rate": 5, "portalOnly": true, "brand": "Robinhood Travel", "note": "Flights booked through the Robinhood Travel portal only; flights booked elsewhere earn 1%" }, { "category": "dining", "rate": 5, "cap": 50000, "capPeriod": "year", "note": "Dining-coded merchants (by merchant category code), including food delivery; up to $50,000 in purchases per calendar year, then 1%" }, { "category": "*", "rate": 1 } ], "credits": [ { "id": "robinhood_platinum-dining-credit", "label": "Dining credit", "amount": 250, "period": "year", "cadence": "monthly", "categories": [ "dining" ], "enrollmentRequired": true, "note": "Up to $30 in January and up to $20 each month February-December, at participating restaurants only; activate in the app; unused monthly amounts do not roll over" }, { "id": "robinhood_platinum-flight-credit", "label": "Flight credit", "amount": 300, "period": "year", "cadence": "semiannual", "categories": [ "flights", "travel_portal" ], "note": "$150 every six months on flights booked directly with an airline or through the Robinhood Travel portal" }, { "id": "robinhood_platinum-hotel-credit", "label": "Hotel credit", "amount": 500, "period": "year", "cadence": "semiannual", "categories": [ "hotels", "travel_portal" ], "note": "Up to $250 per six-month period on participating hotels booked through the Robinhood Travel portal, two-night minimum. Robinhood markets $700/yr by adding a $100 on-property credit per stay, which is not modelled" }, { "id": "robinhood_platinum-waymo-credit", "label": "Waymo credit", "amount": 250, "period": "year", "cadence": "monthly", "categories": [ "rideshare" ], "note": "$250 a year in Waymo ride credit, released as a monthly allotment" }, { "id": "robinhood_platinum-doordash-promo", "label": "DoorDash promos", "amount": 120, "period": "year", "cadence": "monthly", "categories": [ "dining" ], "note": "$120 a year in DoorDash promos issued monthly, alongside a complimentary DashPass membership" } ], "perks": [ "Invite-only: join the waitlist with Request access; Robinhood emails when you are selected to apply", "Redeeming points for cash back requires an open Robinhood Financial brokerage account; points are worth $0.01 for cash back, travel portal bookings and gift cards, less for statement credits and pay-with-points", "Complimentary Robinhood Gold membership and DashPass membership", "Priority Pass lounge access", "Global Entry/TSA PreCheck statement credit", "No foreign transaction fees" ], "welcomeBonusText": "No welcome bonus published as of 2026-09-15.", "verifiedDate": "2026-09-15", "sources": [ "https://robinhood.com/us/en/creditcard/platinum", "https://api.robinhood.com/creditcard/legal/platinum-reward-terms", "https://api.robinhood.com/creditcard/legal/platinum-benefits-overview", "https://robinhood.com/us/en/support/articles/platinum-rewards/", "https://robinhood.com/us/en/support/articles/robinhood-platinum-card-waitlist/", "https://robinhood.com/us/en/newsroom/robinhood-platinum-card-rollout/" ], "conversionNotes": [ "Points are modelled as CASH: the reward terms (last updated 2026-09-08) value a point at $0.01 for cash back, which needs the brokerage account.", "Not modelled: the $100 on-property hotel credit per stay, the one-time Eight Sleep credit (offered through 2026-09-15), and the Function Health, One Medical and WHOOP memberships." ], "country": "US", "officialUrl": "https://robinhood.com/us/en/creditcard/platinum" } ], "pointValueSources": { "SOUTHWEST_RR": { "value": 1.2, "unit": "cents", "source": "https://onemileatatime.com/guides/value-miles-points/", "attribution": "One Mile at a Time (Ben Schlappig)", "adoptedOn": "2026-09-15" }, "MARRIOTT": { "value": 0.7, "unit": "cents", "source": "https://onemileatatime.com/guides/value-miles-points/", "attribution": "One Mile at a Time (Ben Schlappig)", "adoptedOn": "2026-09-15" }, "WYNDHAM_REWARDS": { "value": 0.6, "unit": "cents", "source": "https://onemileatatime.com/guides/value-miles-points/", "attribution": "One Mile at a Time (Ben Schlappig)", "adoptedOn": "2026-09-15" }, "WYNDHAM": { "value": 0.6, "unit": "cents", "source": "https://onemileatatime.com/guides/value-miles-points/", "attribution": "One Mile at a Time (Ben Schlappig)", "adoptedOn": "2026-09-15" } } }