{
 "source": "https://uscreditcardrewards.com",
 "license": "CC BY 4.0 — reuse with attribution to USCreditCardRewards",
 "generated": "2026-09-20",
 "dataVerified": "2026-09-20",
 "notes": {
  "earnRates": "rate is the multiplier the issuer advertises. We deliberately publish no percentage return, because converting a multiplier to a percentage requires pricing the rewards currency, which is a judgement rather than a fact.",
  "credits": "credits contains only recurring statement credits whose dollar amount is corroborated by the benefit name or description. Certificates, lounge visits and point bonuses appear under perks with an estimated value and are excluded from creditTotal.",
  "conditional": "A credit with conditional=true is gated behind a large annual spending requirement and is excluded from creditTotal.",
  "apr": "No APR, interest or credit-limit data is published on this site."
 },
 "counts": {
  "cards": 162,
  "issuers": 19
 },
 "issuers": [
  {
   "slug": "american-express",
   "name": "American Express",
   "site": "https://www.americanexpress.com",
   "url": "https://uscreditcardrewards.com/issuers/american-express"
  },
  {
   "slug": "bank-of-america",
   "name": "Bank of America",
   "site": "https://www.bankofamerica.com",
   "url": "https://uscreditcardrewards.com/issuers/bank-of-america"
  },
  {
   "slug": "barclays",
   "name": "Barclays",
   "site": "https://www.barclaycardus.com",
   "url": "https://uscreditcardrewards.com/issuers/barclays"
  },
  {
   "slug": "capital-one",
   "name": "Capital One",
   "site": "https://www.capitalone.com",
   "url": "https://uscreditcardrewards.com/issuers/capital-one"
  },
  {
   "slug": "chase",
   "name": "Chase",
   "site": "https://www.chase.com",
   "url": "https://uscreditcardrewards.com/issuers/chase"
  },
  {
   "slug": "citi",
   "name": "Citi",
   "site": "https://www.citi.com",
   "url": "https://uscreditcardrewards.com/issuers/citi"
  },
  {
   "slug": "discover",
   "name": "Discover",
   "site": "https://www.discover.com",
   "url": "https://uscreditcardrewards.com/issuers/discover"
  },
  {
   "slug": "first-electronic-bank",
   "name": "First Electronic Bank",
   "site": "https://www.firstelectronicbank.com",
   "url": "https://uscreditcardrewards.com/issuers/first-electronic-bank"
  },
  {
   "slug": "first-national-bank-of-omaha",
   "name": "First National Bank of Omaha",
   "site": "https://www.card.fnbo.com/mgmrewards",
   "url": "https://uscreditcardrewards.com/issuers/first-national-bank-of-omaha"
  },
  {
   "slug": "goldman-sachs",
   "name": "Goldman Sachs",
   "site": "https://www.goldmansachs.com",
   "url": "https://uscreditcardrewards.com/issuers/goldman-sachs"
  },
  {
   "slug": "hsbc",
   "name": "HSBC",
   "site": "https://www.us.hsbc.com",
   "url": "https://uscreditcardrewards.com/issuers/hsbc"
  },
  {
   "slug": "navy-federal-credit-union",
   "name": "Navy Federal Credit Union",
   "site": "https://www.navyfederal.org",
   "url": "https://uscreditcardrewards.com/issuers/navy-federal-credit-union"
  },
  {
   "slug": "pnc-bank",
   "name": "PNC Bank",
   "site": "https://www.pnc.com",
   "url": "https://uscreditcardrewards.com/issuers/pnc-bank"
  },
  {
   "slug": "robinhood-credit",
   "name": "Robinhood Credit",
   "site": "https://robinhood.com/us/en/support/articles/robinhood-gold-card/",
   "url": "https://uscreditcardrewards.com/issuers/robinhood-credit"
  },
  {
   "slug": "synchrony-bank",
   "name": "Synchrony Bank",
   "site": "https://www.synchrony.com",
   "url": "https://uscreditcardrewards.com/issuers/synchrony-bank"
  },
  {
   "slug": "td-bank-usa",
   "name": "TD Bank USA",
   "site": "https://www.tdbank.com",
   "url": "https://uscreditcardrewards.com/issuers/td-bank-usa"
  },
  {
   "slug": "the-bank-of-missouri",
   "name": "The Bank of Missouri",
   "site": "https://www.sofi.com/credit-card/",
   "url": "https://uscreditcardrewards.com/issuers/the-bank-of-missouri"
  },
  {
   "slug": "us-bank",
   "name": "U.S. Bank",
   "site": null,
   "url": "https://uscreditcardrewards.com/issuers/us-bank"
  },
  {
   "slug": "wells-fargo",
   "name": "Wells Fargo",
   "site": "https://www.wellsfargo.com",
   "url": "https://uscreditcardrewards.com/issuers/wells-fargo"
  }
 ],
 "cards": [
  {
   "slug": "aa-aadvantage-mileup",
   "name": "AA AAdvantage MileUp",
   "issuer": "Citi",
   "issuerSlug": "citi",
   "issuerSite": "https://www.citi.com",
   "annualFee": 0,
   "network": "Mastercard",
   "currency": "American Airlines AAdvantage Miles",
   "currencyFamily": "airline",
   "foreignTransactionFee": true,
   "image": "/card-art/aa-aadvantage-mileup.webp",
   "exploreCategory": "airline",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Airline(AA)",
     "type": "other",
     "rate": 2,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 2,
   "bestGeneral": {
    "grocery": {
     "category": "Grocery",
     "rate": 2
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Inflight Food Beverage Discount",
     "description": "Save 25% as a statement credit on inflight food and beverage purchases on American Airlines flights when you use your card",
     "type": "multiple",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Miles Redemption Discount",
     "description": "When logged into their AAdvantage account, Primary cardmembers receive discounted rates for car rentals and hotel stays",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "American Airlines Vacations Discount",
     "description": "Get a 10% discount on eligible American Airlines Vacations travel packages on non-flight components",
     "type": "multiple",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [],
   "protection": [],
   "benefitCount": 3,
   "upstreamUpdated": "2025-07-19",
   "url": "https://uscreditcardrewards.com/cards/aa-aadvantage-mileup"
  },
  {
   "slug": "air-france-klm-visa-signature",
   "name": "Air France KLM Visa Signature",
   "issuer": "Bank of America",
   "issuerSlug": "bank-of-america",
   "issuerSite": "https://www.bankofamerica.com",
   "annualFee": 89,
   "network": "Visa",
   "currency": "Flying Blue Miles",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/air-france-klm-visa-signature.webp",
   "exploreCategory": "airline",
   "welcomeBonus": {
    "headline": "70,000 bonus miles and 100 XP",
    "requirement": "Spend $3,000 in first 90 days"
   },
   "earn": [
    {
     "category": "Airline(Air France)",
     "type": "travel",
     "rate": 3,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1.5,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1.5,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 3
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "5,000 Anniversary Bonus Miles",
     "description": "Earn 5,000 bonus Flying Blue Miles every year on your account anniversary when you make at least $50 in purchases on the card during the previous cardmember year. At 1.3 cents per mile, this is worth approximately $65, offsetting most of the $89 annual fee.",
     "type": "multiple",
     "annualValue": 65,
     "perCycleCap": 65,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 65
    }
   ],
   "status": [
    {
     "name": "20 Anniversary XP",
     "description": "Earn 20 Experience Points (XP) toward Flying Blue elite status automatically on each account anniversary. Flying Blue status tiers: Silver (100 XP), Gold (180 XP), Platinum (300 XP), Ultimate (900 XP). Silver benefits include priority check-in, baggage handling, boarding priority, complimentary seat selection, and one extra checked bag on SkyTeam flights.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "80 Bonus XP ($15,000 Spend)",
     "description": "Earn 80 additional XP (for a total of 100 XP including anniversary XP) when you spend $15,000 or more on the card during a cardmember year. Combined with the base 20 XP, this reaches Flying Blue Silver status (100 XP) in one year with the card alone.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 15000,
     "isWelcome": false
    },
    {
     "name": "60 Bonus XP ($25,000 Spend)",
     "description": "Earn 60 additional XP (for a total of 160 XP including all tiers) when you spend $25,000 or more on the card during a cardmember year. This brings you close to Flying Blue Gold status (180 XP) from card spending alone.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 25000,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 4,
   "upstreamUpdated": "2026-02-15",
   "url": "https://uscreditcardrewards.com/cards/air-france-klm-visa-signature"
  },
  {
   "slug": "alaska-airlines-visa-signature",
   "name": "Alaska Airlines Visa Signature",
   "issuer": "Bank of America",
   "issuerSlug": "bank-of-america",
   "issuerSite": "https://www.bankofamerica.com",
   "annualFee": 95,
   "network": "Visa",
   "currency": "Alaska Airlines Mileage Plan Miles",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/alaska-airlines-visa-signature.webp",
   "exploreCategory": "airline",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Airline(Alaska)",
     "type": "other",
     "rate": 3,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Streaming Service",
     "type": "streaming",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Transit",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 3,
   "bestGeneral": {
    "gas": {
     "category": "Gas",
     "rate": 2
    },
    "streaming": {
     "category": "Streaming Service",
     "rate": 2
    },
    "travel": {
     "category": "Transit",
     "rate": 2
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Alaska Companion Fare",
     "description": "Each year, after spending $6,000+ in the prior anniversary year, receive a companion fare from $122 ($99 fare plus taxes and fees from $23) on Alaska/Hawaiian flights.",
     "type": "multiple",
     "annualValue": 300,
     "perCycleCap": 300,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 6000,
     "isWelcome": false,
     "estimatedValue": 300
    }
   ],
   "status": [
    {
     "name": "First Checked Bag Free",
     "description": "You and up to 6 passengers on the same reservation receive your first checked bag free on Alaska Airlines flights. Savings of up to $120 per round-trip flight for a party of two.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Priority Boarding",
     "description": "Board in Group 2 on Alaska Airlines flights, allowing you to find overhead bin space and settle in before most other passengers.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 3,
   "upstreamUpdated": "2025-07-02",
   "url": "https://uscreditcardrewards.com/cards/alaska-airlines-visa-signature"
  },
  {
   "slug": "amazon-business-prime-card",
   "name": "Amazon Business Prime Card",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 0,
   "network": "American Express",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": false,
   "image": "/card-art/amazon-business-prime-card.webp",
   "exploreCategory": "business",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Amazon",
     "type": "other",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "WholeFood",
     "type": "grocery",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Internet, Cable & Phone Services",
     "type": "business",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 5,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 2
    },
    "gas": {
     "category": "Gas",
     "rate": 2
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [],
   "status": [],
   "protection": [],
   "benefitCount": 0,
   "upstreamUpdated": "2025-12-28",
   "url": "https://uscreditcardrewards.com/cards/amazon-business-prime-card"
  },
  {
   "slug": "amazon-prime-store-card",
   "name": "Amazon Prime Store Card",
   "issuer": "Synchrony Bank",
   "issuerSlug": "synchrony-bank",
   "issuerSite": "https://www.synchrony.com",
   "annualFee": 0,
   "network": "Visa",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": false,
   "image": "/card-art/amazon-prime-store-card.webp",
   "exploreCategory": "everyday",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Amazon",
     "type": "other",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "WholeFood",
     "type": "grocery",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 5,
   "bestGeneral": {},
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [],
   "status": [],
   "protection": [],
   "benefitCount": 0,
   "upstreamUpdated": "2026-08-15",
   "url": "https://uscreditcardrewards.com/cards/amazon-prime-store-card"
  },
  {
   "slug": "amex-blue-cash-everyday",
   "name": "Amex Blue Cash Everyday",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 0,
   "network": "American Express",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": true,
   "image": "/card-art/amex-blue-cash-everyday.webp",
   "exploreCategory": "everyday",
   "welcomeBonus": {
    "headline": "$200",
    "requirement": "Spend $2000 within the first 6 months"
   },
   "earn": [
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Retail Online",
     "type": "retail_online",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "grocery": {
     "category": "Grocery",
     "rate": 3
    },
    "gas": {
     "category": "Gas",
     "rate": 3
    }
   },
   "credits": [
    {
     "name": "$15 Monthly Home Chef Credit",
     "description": "Get up to $180 in annual statement credits ($15 monthly; with enrollment) for Home Chef meal kit purchases",
     "type": "multiple",
     "annualValue": 180,
     "perCycleCap": 15,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$7 Monthly Disney Bundle Credit",
     "description": "Get up to $84 in annual statement credits ($7 monthly; with enrollment) after spending at least $9.99 per month on an eligible, auto-renewing subscription to the Disney Bundle",
     "type": "multiple",
     "annualValue": 84,
     "perCycleCap": 7,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 264,
   "conditionalTotal": 0,
   "perks": [],
   "status": [],
   "protection": [],
   "benefitCount": 2,
   "upstreamUpdated": "2025-06-08",
   "url": "https://uscreditcardrewards.com/cards/amex-blue-cash-everyday"
  },
  {
   "slug": "amex-blue-cash-preferred",
   "name": "Amex Blue Cash Preferred",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 95,
   "network": "American Express",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": true,
   "image": "/card-art/amex-blue-cash-preferred.webp",
   "exploreCategory": "grocery",
   "welcomeBonus": {
    "headline": "$300",
    "requirement": "Spend $3,000 within the first 6 months"
   },
   "earn": [
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 6,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Streaming Service",
     "type": "streaming",
     "rate": 6,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Transit",
     "type": "travel",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "grocery": {
     "category": "Grocery",
     "rate": 6
    },
    "streaming": {
     "category": "Streaming Service",
     "rate": 6
    },
    "gas": {
     "category": "Gas",
     "rate": 3
    },
    "travel": {
     "category": "Transit",
     "rate": 3
    }
   },
   "credits": [
    {
     "name": "$10 Monthly Disney Bundle Credit",
     "description": "Get up to $120 in annual statement credits ($10 monthly; with enrollment) after spending at least $9.99 per month on an eligible Disney Bundle subscription",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 10,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 120,
   "conditionalTotal": 0,
   "perks": [],
   "status": [],
   "protection": [
    {
     "name": "Purchase Protection",
     "description": "Purchase protection covering eligible items purchased with the card against accidental physical damage or theft for up to 90 days from the date of purchase, up to $1,000 per item and $50,000 per cardholder per year.",
     "type": "insurance",
     "annualValue": 25,
     "perCycleCap": 25,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Extended Warranty",
     "description": "Extended warranty coverage that adds up to one extra year to the original manufacturer's warranty of 5 years or less. Coverage up to $10,000 per item and $50,000 per year. Items must be purchased entirely with the card.",
     "type": "insurance",
     "annualValue": 25,
     "perCycleCap": 25,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Car Rental Insurance",
     "description": "Secondary car rental loss and damage insurance covering rental car damage or theft up to $50,000 per rental agreement. Also covers accidental injury, accidental death or dismemberment, and personal property damage. Secondary coverage means you must file with any other insurance first.",
     "type": "insurance",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Return Protection",
     "description": "When you try to return a new, working item purchased entirely with the card and the merchant won't accept the return within 90 days of purchase, American Express may refund the full purchase price (excluding shipping and handling). Up to $300 per item and $1,000 per account each calendar year.",
     "type": "insurance",
     "annualValue": 25,
     "perCycleCap": 25,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 5,
   "upstreamUpdated": "2025-06-08",
   "url": "https://uscreditcardrewards.com/cards/amex-blue-cash-preferred"
  },
  {
   "slug": "amex-business-gold",
   "name": "Amex Business Gold",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 375,
   "network": "American Express",
   "currency": "Membership Rewards Points",
   "currencyFamily": "transferable",
   "foreignTransactionFee": false,
   "image": "/card-art/amex-business-gold.webp",
   "exploreCategory": "business",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Airline (AmexTravel)",
     "type": "travel",
     "rate": 3,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Hotel (AmexTravel)",
     "type": "travel",
     "rate": 3,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {},
   "credits": [
    {
     "name": "$300 Annual ChatGPT Business Credit",
     "description": "Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business on the Business Gold Card.",
     "type": "multiple",
     "annualValue": 300,
     "perCycleCap": 300,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$20 Monthly Flexible Business Credit",
     "description": "Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.",
     "type": "multiple",
     "annualValue": 240,
     "perCycleCap": 20,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$12.95 Monthly Walmart+ Credit",
     "description": "Receive a statement credit for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with your Business Gold Card. Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.",
     "type": "multiple",
     "annualValue": 155,
     "perCycleCap": 12.95,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$150 Annual Squarespace Credit",
     "description": "Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace on the Business Gold Card.",
     "type": "multiple",
     "annualValue": 150,
     "perCycleCap": 150,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$100 Hotel Collection Credit",
     "description": "Up to $100 in hotel credits toward qualifying activities (dining, spa, etc.) when booking eligible properties in The Hotel Collection through American Express Travel for at least two consecutive nights.",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 945,
   "conditionalTotal": 0,
   "perks": [],
   "status": [],
   "protection": [
    {
     "name": "Cell Phone Protection",
     "description": "Reimbursement for up to $800 in repair or replacement costs if your eligible cellphone is damaged or stolen. $50 deductible applies to each approved claim, limited to 2 approved claims per rolling 12-month period. Prior month wireless bill must have been paid with the card.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": 800,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Car Rental Insurance",
     "description": "Secondary coverage for damage due to theft and collision when you pay for your entire car rental with the card and decline the rental company collision damage waiver. Some vehicle types and countries are excluded.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Purchase Protection",
     "description": "Coverage for theft or damage that occurs within 90 days of purchase, up to a maximum of $1,000 per occurrence and $50,000 per account per calendar year when you pay for eligible items with the card.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": 1000,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 8,
   "upstreamUpdated": "2026-05-27",
   "url": "https://uscreditcardrewards.com/cards/amex-business-gold"
  },
  {
   "slug": "amex-business-platinum",
   "name": "Amex Business Platinum",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 895,
   "network": "American Express",
   "currency": "Membership Rewards Points",
   "currencyFamily": "transferable",
   "foreignTransactionFee": false,
   "image": "/card-art/amex-business-platinum.webp",
   "exploreCategory": "featured",
   "welcomeBonus": {
    "headline": "300,000 Membership Rewards Points",
    "requirement": "Spend $20,000 within the first 3 months"
   },
   "earn": [
    {
     "category": "Airline (AmexTravel)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Hotel (AmexTravel)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Large Purchase ($5,000+)",
     "type": "business",
     "rate": 2,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Electronics",
     "type": "retail",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Shipping",
     "type": "business",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Construction & Hardware",
     "type": "business",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {},
   "credits": [
    {
     "name": "$2,400 One AP Subscription Credit",
     "description": "After $250,000 in eligible spend per calendar year, receive up to $2,400 in statement credits toward One AP® subscription fees.",
     "type": "multiple",
     "annualValue": 2400,
     "perCycleCap": 2400,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Fine Hotels + Resorts Credit",
     "description": "Up to $600 annual statement credit ($300 semi-annually) on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through American Express Travel",
     "type": "multiple",
     "annualValue": 600,
     "perCycleCap": 300,
     "cycle": "semi-annual",
     "cycleLabel": "Twice a year",
     "timesPerYear": 2,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$360 Annual Indeed Credit",
     "description": "Get up to $90 in statement credits each quarter when you use your Business Platinum Card on eligible Indeed purchases. That's up to $360 annually. Enrollment required.",
     "type": "multiple",
     "annualValue": 360,
     "perCycleCap": 90,
     "cycle": "quarterly",
     "cycleLabel": "Quarterly",
     "timesPerYear": 4,
     "resetsOn": "calendar-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "ChatGPT Business Credit",
     "description": "Up to $300 in annual statement credits for ChatGPT Business subscriptions on your Business Platinum Card. Enrollment required.",
     "type": "multiple",
     "annualValue": 300,
     "perCycleCap": 300,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Adobe Credit",
     "description": "$250 statement credit when you spend $600 or more on Adobe products per calendar year",
     "type": "multiple",
     "annualValue": 250,
     "perCycleCap": 250,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "CLEAR Plus Credit",
     "description": "You can receive up to $209 in statement credits per calendar year after you sign up and pay for a CLEAR Plus Membership (subject to auto-renewal) with your eligible American Express Card.‡",
     "type": "multiple",
     "annualValue": 209,
     "perCycleCap": 209,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$200 Hilton Credit",
     "description": "Get up to $200 in statement credits per calendar year (up to $50 per quarter) when you enroll in the $200 Hilton Statement Credit Benefit with your Business Platinum Card through American Express. Purchases must be made directly with a property in the Hilton portfolio on your Business Platinum Card. Hilton for Business membership is required. If your business does not already have a Hilton for Business account, you will be registered for one at the time you enroll in the benefit. Hilton for Business offers additional travel value such as access to discounted rates, travel management tools, and loyalty benefits. To learn more about Hilton for Business, visit HiltonForBusiness.com.",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 50,
     "cycle": "quarterly",
     "cycleLabel": "Quarterly",
     "timesPerYear": 4,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Airline Fee Credit",
     "description": "Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags, in-flight refreshments, flight-change fees, overweight / oversize baggage fees, airport lounge day-passes, pet-kennel fees, and phone reservation fees, are charged by the airline to your Platinum Card® account.",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Dell Credit",
     "description": "Up to $150 annual statement credit on Dell Technologies purchases",
     "type": "multiple",
     "annualValue": 150,
     "perCycleCap": 150,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$10 Monthly Wireless Credit",
     "description": "Up to $120 annual statement credit for wireless phone services ($10 monthly)",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 10,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Global Entry Credit",
     "description": "Statement credit for Global Entry ($120) or TSA PreCheck ($85) application fee",
     "type": "onetime",
     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 4819,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Dell Spend Bonus",
     "description": "$1,000 statement credit after spending $5,000+ on Dell Technologies purchases per calendar year",
     "type": "multiple",
     "annualValue": 1000,
     "perCycleCap": 1000,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 5000,
     "isWelcome": false,
     "estimatedValue": 1000
    },
    {
     "name": "Delta Sky Club Access",
     "description": "10 complimentary visits per year to Delta Sky Club lounges when flying Delta",
     "type": "multiple",
     "annualValue": 390,
     "perCycleCap": 390,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 390
    }
   ],
   "status": [
    {
     "name": "Hotel Elite Status",
     "description": "Complimentary Hilton Honors Gold and Marriott Bonvoy Gold elite status",
     "type": "status",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Global Lounge Collection",
     "description": "Access to 1,400+ airport lounges including Centurion, Delta Sky Club, Priority Pass, and more",
     "type": "status",
     "annualValue": 695,
     "perCycleCap": 695,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "35% Membership Rewards Rebate on Flights",
     "description": "Get 35% of your Membership Rewards points back when you use Pay With Points for all or part of an eligible flight booked through American Express Travel. Eligible flights include First, Business, or Premium Economy class with any airline, or any class with the airline you select as your selected qualifying airline. Rebate up to 1,000,000 points per calendar year.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 16,
   "upstreamUpdated": "2026-01-06",
   "url": "https://uscreditcardrewards.com/cards/amex-business-platinum"
  },
  {
   "slug": "amex-delta-blue",
   "name": "Amex Delta Blue",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 0,
   "network": "American Express",
   "currency": "Delta SkyMiles Miles",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/amex-delta-blue.webp",
   "exploreCategory": "airline",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Delta Airlines",
     "type": "travel",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 2
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [],
   "status": [],
   "protection": [],
   "benefitCount": 0,
   "upstreamUpdated": "2026-05-29",
   "url": "https://uscreditcardrewards.com/cards/amex-delta-blue"
  },
  {
   "slug": "amex-delta-business-gold",
   "name": "Amex Delta Business Gold",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 150,
   "network": "American Express",
   "currency": "Delta SkyMiles Miles",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/amex-delta-business-gold.webp",
   "exploreCategory": "airline",
   "welcomeBonus": {
    "headline": "90,000 Delta SkyMile Points",
    "requirement": "Spend $5,000 within the first 6 months"
   },
   "earn": [
    {
     "category": "Delta Airlines",
     "type": "travel",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Shipping",
     "type": "business",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Advertising (Social Media & Search)",
     "type": "business",
     "rate": 2,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 2
    }
   },
   "credits": [
    {
     "name": "$200 Delta Flight Credit",
     "description": "Receive a $200 statement credit for Delta purchases after you spend $10,000 in purchases on your Card in a calendar year.",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": true,
     "spendRequirement": 10000,
     "isWelcome": false
    },
    {
     "name": "$150 Delta Stays Hotel Credit",
     "description": "Annual statement credit of up to $150 after booking prepaid hotels or vacation rentals through Delta Stays on delta.com.",
     "type": "multiple",
     "annualValue": 150,
     "perCycleCap": 150,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$10 Monthly Rideshare Credit",
     "description": "Up to $10 per month in statement credits on eligible U.S. rideshare purchases (Uber, Lyft, Curb, Alto). Enrollment required; begins after first card renewal. Up to $120 per year.",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 10,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 270,
   "conditionalTotal": 200,
   "perks": [],
   "status": [
    {
     "name": "First Checked Bag Free",
     "description": "Your first checked bag is free on Delta flights for you and up to 8 companions on the same reservation.",
     "type": "status",
     "annualValue": 120,
     "perCycleCap": 120,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Priority Boarding",
     "description": "Enjoy priority boarding on Delta flights.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 5,
   "upstreamUpdated": "2025-06-19",
   "url": "https://uscreditcardrewards.com/cards/amex-delta-business-gold"
  },
  {
   "slug": "amex-delta-gold",
   "name": "Amex Delta Gold",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 150,
   "network": "American Express",
   "currency": "Delta SkyMiles Miles",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/amex-delta-gold.webp",
   "exploreCategory": "airline",
   "welcomeBonus": {
    "headline": "90,000 Delta SkyMile Points",
    "requirement": "Spend $5,000 within the first 6 months"
   },
   "earn": [
    {
     "category": "Delta Airlines",
     "type": "travel",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 2
    },
    "grocery": {
     "category": "Grocery",
     "rate": 2
    }
   },
   "credits": [
    {
     "name": "$200 Delta Flight Credit",
     "description": "Earn a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": true,
     "spendRequirement": 10000,
     "isWelcome": false
    },
    {
     "name": "$10 Monthly Rideshare Credit",
     "description": "Up to $10 per month in statement credits on eligible U.S. rideshare purchases (Uber, Lyft, Curb, Alto). Enrollment required; begins after first card renewal. Up to $120 per year.",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 10,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$100 Delta Stays Credit",
     "description": "Elevate your travel experience with an annual statement credit of up to $100 after using your Card to book prepaid hotels through Delta Stays",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 220,
   "conditionalTotal": 200,
   "perks": [
    {
     "name": "20% Back on In-Flight Purchases",
     "description": "Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases",
     "type": "multiple",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "TakeOff 15: 15% Off Award Travel",
     "description": "Save 15% when using miles to book Award Travel on Delta flights",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [
    {
     "name": "First & Second Checked Bag Free",
     "description": "First and second checked bags free on domestic Delta-operated flights for you and up to 8 companions on the same reservation. Second checked bag added in the 2026 Delta SkyMiles refresh.",
     "type": "status",
     "annualValue": 280,
     "perCycleCap": 280,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 6,
   "upstreamUpdated": "2025-06-10",
   "url": "https://uscreditcardrewards.com/cards/amex-delta-gold"
  },
  {
   "slug": "amex-delta-platinum",
   "name": "Amex Delta Platinum",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 350,
   "network": "American Express",
   "currency": "Delta SkyMiles Miles",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/amex-delta-platinum.webp",
   "exploreCategory": "airline",
   "welcomeBonus": {
    "headline": "100,000 Delta SkyMiles",
    "requirement": "Spend $6,000 within the first 6 months"
   },
   "earn": [
    {
     "category": "Hotels",
     "type": "travel",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Airlines",
     "type": "travel",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "travel": {
     "category": "Hotels",
     "rate": 3
    },
    "dining": {
     "category": "Dining",
     "rate": 2
    },
    "grocery": {
     "category": "Grocery",
     "rate": 2
    }
   },
   "credits": [
    {
     "name": "$150 Delta Stays Credit",
     "description": "Get up to $150 back per year as a statement credit after using this card to book prepaid hotels or vacation rentals through Delta Stays bookings on delta.com.",
     "type": "multiple",
     "annualValue": 150,
     "perCycleCap": 150,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$10 Monthly Rideshare Credit",
     "description": "Up to $10 monthly statement credits for U.S. rideshare purchases",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 10,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$10 Monthly Resy Credit",
     "description": "Up to $10 monthly statement credits for dining at U.S. Resy restaurants",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 10,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Global Entry/TSA PreCheck Credit",
     "description": "$120 Global Entry credit every 4 years or $85 TSA PreCheck credit every 4.5 years",
     "type": "onetime",
     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 420,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Annual Companion Certificate",
     "description": "Companion certificate for Main Cabin round-trip flight to select destinations each year after renewal",
     "type": "multiple",
     "annualValue": 400,
     "perCycleCap": 400,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 400
    },
    {
     "name": "Award Travel Discount",
     "description": "15% off when using miles to book award travel on Delta flights",
     "type": "other",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 200
    },
    {
     "name": "Free Checked Bag",
     "description": "First bag free on Delta flights, saving up to $70 per round-trip per person",
     "type": "multiple",
     "annualValue": 140,
     "perCycleCap": 140,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 140
    }
   ],
   "status": [
    {
     "name": "MQD Headstart",
     "description": "$2,500 Medallion Qualification Dollars each year plus earn $1 MQD for each $20 in purchases",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Priority Boarding",
     "description": "Zone 5 Priority Boarding on Delta flights",
     "type": "status",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Cell Phone Protection",
     "description": "Cell phone protection covering up to $800 per claim for damage or theft of your cell phone, with a $50 deductible. Up to 2 claims per 12-month period. You must pay your monthly wireless bill with the card to be eligible.",
     "type": "insurance",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 10,
   "upstreamUpdated": "2025-05-26",
   "url": "https://uscreditcardrewards.com/cards/amex-delta-platinum"
  },
  {
   "slug": "amex-delta-platinum-business",
   "name": "Amex Delta Platinum Business",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 350,
   "network": "Amex",
   "currency": "Delta SkyMiles Miles",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/amex-delta-platinum-business.webp",
   "exploreCategory": "airline",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Airlines",
     "type": "travel",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Hotels",
     "type": "travel",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Transit",
     "type": "travel",
     "rate": 1.5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Shipping",
     "type": "business",
     "rate": 1.5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "travel": {
     "category": "Airlines",
     "rate": 3
    }
   },
   "credits": [
    {
     "name": "$200 Delta Stays Credit",
     "description": "Receive an annual statement credit of up to $200 on prepaid Delta Stays bookings made through delta.com.",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$10 Monthly Rideshare Credit",
     "description": "Earn up to $10 back each month in statement credits on U.S. rideshare purchases with select providers, up to $120 per year. Enrollment required.",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 10,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$10 Monthly Resy Credit",
     "description": "Earn up to $10 in statement credits each month on eligible purchases at U.S. Resy restaurants and other eligible Resy purchases, up to $120 per year. Enrollment required.",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 10,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Global Entry/TSA PreCheck Credit",
     "description": "Receive a statement credit of up to $120 for Global Entry or TSA PreCheck application fees charged to your card, once every four years.",
     "type": "onetime",
     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 470,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Annual Companion Certificate",
     "description": "Receive a Companion Certificate each year after your card renewal, valid for one round-trip Main Cabin domestic, Caribbean, or Central American flight. Payment of government-imposed taxes and fees between $22 and $250 required.",
     "type": "multiple",
     "annualValue": 400,
     "perCycleCap": 400,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 400
    },
    {
     "name": "Award Travel Discount",
     "description": "TakeOff 15: Save 15% when using miles to book Award Travel on Delta flights. Discount not applicable to partner-operated flights or taxes and fees.",
     "type": "other",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 200
    }
   ],
   "status": [
    {
     "name": "Free Checked Bag",
     "description": "First checked bag free on Delta flights for the cardmember and up to 8 companions on the same reservation, plus second checked bag free for the cardmember on domestic flights.",
     "type": "status",
     "annualValue": 140,
     "perCycleCap": 140,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Priority Boarding",
     "description": "Zone 5 priority boarding on Delta flights for the cardmember and up to 8 companions on the same reservation.",
     "type": "status",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "MQD Headstart",
     "description": "Receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year, plus earn $1 MQD for every $20 in purchases toward Medallion Status.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Cell Phone Protection",
     "description": "Up to $1,600 per year in cell phone protection ($800 per claim, up to 2 claims per year, $50 deductible) when you pay your monthly wireless bill with the card.",
     "type": "insurance",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 10,
   "upstreamUpdated": "2026-08-02",
   "url": "https://uscreditcardrewards.com/cards/amex-delta-platinum-business"
  },
  {
   "slug": "amex-delta-reserve-business",
   "name": "Amex Delta Reserve Business",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 650,
   "network": "American Express",
   "currency": "Delta SkyMiles Miles",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/amex-delta-reserve-business.webp",
   "exploreCategory": "airline",
   "welcomeBonus": {
    "headline": "125,000 Delta SkyMiles",
    "requirement": "Spend $9,000 within the first 6 months"
   },
   "earn": [
    {
     "category": "Delta Airlines",
     "type": "travel",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Transit",
     "type": "travel",
     "rate": 1.5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Shipping",
     "type": "business",
     "rate": 1.5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Office Supply",
     "type": "business",
     "rate": 1.5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "travel": {
     "category": "Transit",
     "rate": 1.5
    }
   },
   "credits": [
    {
     "name": "Delta Stays Hotel Credit",
     "description": "Earn up to $250 in annual statement credits when you book prepaid hotel stays and vacation rentals through Delta Stays (delta.com/stays). Credits apply automatically to eligible bookings charged to your Card. Valid for bookings worldwide. Credit resets each calendar year and does not roll over. Must book through Delta Stays platform to qualify.",
     "type": "multiple",
     "annualValue": 250,
     "perCycleCap": 250,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$20 Monthly Resy Dining Credit",
     "description": "Earn up to $20 in statement credits each month when you use your Card at participating U.S. Resy restaurants. Credits will post to your account automatically within 7-14 days after qualifying purchase. Total annual value up to $240. Must enroll in benefit and make purchase through Resy platform or at eligible restaurants. Credits do not roll over month to month.",
     "type": "multiple",
     "annualValue": 240,
     "perCycleCap": 20,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$10 Monthly Rideshare Credit",
     "description": "Receive up to $10 in statement credits each month on select U.S. rideshare purchases including Uber, Lyft, and other eligible rideshare services. Credits post automatically within 7-14 days. Total annual value up to $120. Enrollment required. Credits expire at end of each month and cannot be carried forward.",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 10,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Global Entry / TSA PreCheck Credit",
     "description": "Receive up to $120 statement credit for Global Entry application fee (valid every 4 years), or up to $85 for TSA PreCheck application fee (valid every 4.5 years). Credit posts automatically after eligible charge appears on your account. Choose either Global Entry (includes TSA PreCheck) or standalone TSA PreCheck - cannot claim both. Must use Card for application payment.",
     "type": "onetime",
     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 640,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Annual Companion Certificate",
     "description": "Receive a Domestic Companion Certificate each year after Card renewal. Certificate allows one companion to fly with you in First Class, Delta Comfort+, or Main Cabin for just taxes and fees on round-trip flights within the contiguous U.S., Alaska, Hawaii, Mexico, Caribbean, and Central America. Valid for one year from issue date. Must book directly with Delta. Blackout dates may apply during peak travel periods. Ticket must be issued at least 3 days prior to departure.",
     "type": "multiple",
     "annualValue": 500,
     "perCycleCap": 500,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 500
    },
    {
     "name": "Sky Club Guest Passes",
     "description": "Receive 4 complimentary one-time-use guest passes per calendar year for Delta Sky Club access. Each pass admits one guest traveling with you on Delta or partner flights. Passes valid when you accompany guest into lounge using your own access (via 15 visits or unlimited unlock). Additional guests beyond 4 passes cost $50 per visit (or $25 for grab-and-go service). Unused passes do not roll over to next year.",
     "type": "multiple",
     "annualValue": 50,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 50
    },
    {
     "name": "Delta Sky Club Access",
     "description": "Receive 15 complimentary visits per Medallion Qualification Year to Delta Sky Club lounges when traveling on Delta or Delta partner flights. Starting February 1, 2025, each \"visit\" grants unlimited access to Sky Clubs within a 24-hour period across multiple airports during the same trip. Present your Card and same-day boarding pass for entry. Does not include guest access (see Guest Passes benefit). Unused visits do not roll over to next year.",
     "type": "multiple",
     "annualValue": 35,
     "perCycleCap": 525,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 35
    },
    {
     "name": "15% Award Discount",
     "description": "Save 15% on taxes and carrier-imposed fees when you use SkyMiles to book award flights on Delta.com. Discount applies automatically when you pay the cash portion of award tickets with your Card. Particularly valuable on international award tickets where taxes can be $100-500+. Cannot be combined with Pay with Miles. Valid on all Delta award flights including partner airlines booked through Delta.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [
    {
     "name": "MQD Headstart",
     "description": "Automatically receive $2,500 Medallion Qualifying Dollars (MQDs) at the start of each Medallion Qualification Year - a head start toward Delta elite status. Plus, earn $1 MQD for every $10 in eligible Card purchases throughout the year. MQDs combined with Medallion Qualifying Miles (MQMs) and segments help you achieve Silver ($5k MQD), Gold ($10k MQD), Platinum ($15k MQD), or Diamond ($28k MQD) Medallion status.",
     "type": "status",
     "annualValue": 2500,
     "perCycleCap": 2500,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Hertz President's Circle",
     "description": "Enroll for complimentary Hertz President's Circle elite status - Hertz's highest tier (normally requires 20 rentals or $3,500 spend annually). Benefits include: one-car-class upgrade on most rentals, Skip the Counter expedited service, personalized rental experience, bonus Gold Plus Rewards points, and waived young renter fees (25+). Must enroll through Card Member benefits portal and link Hertz account.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Complimentary Upgrade Eligibility",
     "description": "Eligible for complimentary upgrades to First Class, Delta Comfort+, or preferred seating when available, even without Medallion elite status. Upgrades processed based on availability and upgrade priority list. Most valuable on domestic routes where paid First Class fares are expensive. Link Card to SkyMiles account to qualify. Subject to upgrade prioritization (Medallion elites have priority).",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Priority Boarding",
     "description": "Enjoy Zone 5 priority boarding on all Delta flights (boards before Main Cabin Zones 6-8). Cardmember and up to 8 companions on same reservation qualify. Ensure your SkyMiles number is linked to your reservation. Helps secure overhead bin space and settle in earlier. Priority boarding indicated on your boarding pass.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Unlimited Sky Club (Spend $75k)",
     "description": "Spend $75,000 or more in eligible purchases on your Card in a calendar year to unlock unlimited Delta Sky Club access for the remainder of that calendar year PLUS the entire following Medallion Qualification Year. For example, reaching $75k in October 2025 grants unlimited access through January 2027. Spending tracked automatically - no enrollment needed. Access when flying Delta or Delta partner airlines.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 75000,
     "isWelcome": false
    },
    {
     "name": "Free First Checked Bag",
     "description": "You and up to 8 companions traveling on the same reservation receive free first checked bag (up to 50 lbs) on Delta flights. Saves up to $70 per person per round trip ($35 each way). Must use Card to purchase tickets. Present Card at check-in to claim benefit. Applies to Basic Economy, Main Cabin, and Delta Comfort+ fares. Does not apply if already included with fare class or elite status.",
     "type": "status",
     "annualValue": 70,
     "perCycleCap": 70,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 14,
   "upstreamUpdated": "2025-12-25",
   "url": "https://uscreditcardrewards.com/cards/amex-delta-reserve-business"
  },
  {
   "slug": "amex-everyday",
   "name": "Amex EveryDay",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 0,
   "network": "American Express",
   "currency": "Membership Rewards Points",
   "currencyFamily": "transferable",
   "foreignTransactionFee": true,
   "image": "/card-art/amex-everyday.webp",
   "exploreCategory": "everyday",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Airline (AmexTravel)",
     "type": "travel",
     "rate": 2,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Hotel (AmexTravel)",
     "type": "travel",
     "rate": 2,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "grocery": {
     "category": "Grocery",
     "rate": 2
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "20% Points Bonus",
     "description": "Earn 20% extra Membership Rewards points when you use your Card 20 or more times on purchases in a billing period.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "0% Intro APR",
     "description": "0% intro APR on purchases and balance transfers for the first 15 months from account opening.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [],
   "protection": [],
   "benefitCount": 2,
   "upstreamUpdated": "2025-06-15",
   "url": "https://uscreditcardrewards.com/cards/amex-everyday"
  },
  {
   "slug": "amex-everyday-preferred",
   "name": "Amex EveryDay Preferred",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 95,
   "network": "American Express",
   "currency": "Membership Rewards Points",
   "currencyFamily": "transferable",
   "foreignTransactionFee": true,
   "image": "/card-art/amex-everyday-preferred.webp",
   "exploreCategory": "everyday",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Airline (AmexTravel)",
     "type": "travel",
     "rate": 2,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Hotel (AmexTravel)",
     "type": "travel",
     "rate": 2,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "grocery": {
     "category": "Grocery",
     "rate": 3
    },
    "gas": {
     "category": "Gas",
     "rate": 2
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "50% Points Bonus",
     "description": "Earn 50% more points when you use your Card 30 or more times on purchases in a billing period. This bonus applies to all purchases made during that billing period.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "0% Intro APR",
     "description": "0% intro APR on purchases and balance transfers for the first 12 months from account opening, then a variable rate applies.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [],
   "protection": [],
   "benefitCount": 2,
   "upstreamUpdated": "2025-06-15",
   "url": "https://uscreditcardrewards.com/cards/amex-everyday-preferred"
  },
  {
   "slug": "amex-gold",
   "name": "Amex Gold",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 325,
   "network": "American Express",
   "currency": "Membership Rewards Points",
   "currencyFamily": "transferable",
   "foreignTransactionFee": false,
   "image": "/card-art/amex-gold.webp",
   "exploreCategory": "dining",
   "welcomeBonus": {
    "headline": "As high as 100,000 Membership Rewards Points",
    "requirement": "Spend $6,000 within the first 6 months"
   },
   "earn": [
    {
     "category": "Hotel (AmexTravel)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": true
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 4,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 4,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Airlines",
     "type": "travel",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Travel",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 4
    },
    "grocery": {
     "category": "Grocery",
     "rate": 4
    },
    "travel": {
     "category": "Airlines",
     "rate": 3
    }
   },
   "credits": [
    {
     "name": "$10 Monthly Dining Credit",
     "description": "$10 monthly statement credit at Grubhub, Cheesecake Factory, Goldbelly, Wine.com, and Five Guys",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 10,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$10 Monthly Uber Credit",
     "description": "$10 monthly Uber Cash for Uber Eats and rides in the U.S. (up to $120 annually)",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 10,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$100 Resy Credit",
     "description": "Up to $100 annual statement credits ($50 semi-annually) for dining at U.S. Resy restaurants",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 50,
     "cycle": "semi-annual",
     "cycleLabel": "Twice a year",
     "timesPerYear": 2,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$7 Monthly Dunkin Credit",
     "description": "Up to $7 monthly statement credit at U.S. Dunkin locations (up to $84 annually)",
     "type": "multiple",
     "annualValue": 84,
     "perCycleCap": 7,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 424,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Hotel Collection",
     "description": "$100 experience credit and premium benefits when booking 2+ nights through AmexTravel.com Hotel Collection",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 100
    }
   ],
   "status": [
    {
     "name": "Hertz Five Star Status",
     "description": "Complimentary Hertz Five Star Status. Benefits include guaranteed upgrades when available, expedited service, and bonus reward points on rentals.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Travel Insurance",
     "description": "Trip delay, baggage, car rental loss/damage, purchase protection, extended warranty coverage",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 7,
   "upstreamUpdated": "2025-05-26",
   "url": "https://uscreditcardrewards.com/cards/amex-gold"
  },
  {
   "slug": "amex-graphite-business-cash",
   "name": "Amex Graphite Business Cash",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 295,
   "network": "Amex",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": false,
   "image": "/card-art/amex-graphite-business-cash.webp",
   "exploreCategory": "business",
   "welcomeBonus": {
    "headline": "Earn $1,500 cash back after spending $50,000 in first 6 months",
    "requirement": "Spend $50,000 on purchases in first 6 months"
   },
   "earn": [
    {
     "category": "Airline (AmexTravel)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Hotel (AmexTravel)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 2,
   "bestGeneral": {},
   "credits": [
    {
     "name": "$2,400 One AP Statement Credits",
     "description": "After spending $250,000 or more in eligible purchases in a calendar year, earn up to $2,400 in statement credits toward Amex One AP (accounts payable platform) monthly fees in the following calendar year. Requires enrollment in One AP auto-renewal.",
     "type": "multiple",
     "annualValue": 2400,
     "perCycleCap": 2400,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": true,
     "spendRequirement": 250000,
     "isWelcome": false
    }
   ],
   "creditTotal": 0,
   "conditionalTotal": 2400,
   "perks": [],
   "status": [],
   "protection": [
    {
     "name": "Purchase Protection",
     "description": "Covers eligible purchases against accidental damage or theft for up to 90 days from purchase date. Up to $1,000 per occurrence and $50,000 per calendar year.",
     "type": "insurance",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Extended Warranty Protection",
     "description": "Extends the original manufacturer's warranty by up to 1 additional year on eligible purchases with warranties of 5 years or less.",
     "type": "insurance",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Return Protection",
     "description": "If the merchant won't accept a return within 90 days of purchase, Amex may refund the full purchase price (excluding shipping). Up to $300 per item and $1,000 per calendar year.",
     "type": "insurance",
     "annualValue": 30,
     "perCycleCap": 30,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Car Rental Loss and Damage Insurance",
     "description": "Secondary coverage for damage to or theft of a rental vehicle when the full rental cost is charged to the card and the rental company's damage waiver is declined. Not available in Australia, Italy, or New Zealand.",
     "type": "insurance",
     "annualValue": 75,
     "perCycleCap": 75,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Cell Phone Protection",
     "description": "Coverage for cell phone damage or theft when you pay your monthly wireless bill with the card.",
     "type": "insurance",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 6,
   "upstreamUpdated": "2026-03-28",
   "url": "https://uscreditcardrewards.com/cards/amex-graphite-business-cash"
  },
  {
   "slug": "amex-green",
   "name": "Amex Green",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 150,
   "network": "American Express",
   "currency": "Membership Rewards Points",
   "currencyFamily": "transferable",
   "foreignTransactionFee": false,
   "image": "/card-art/amex-green.webp",
   "exploreCategory": "travel",
   "welcomeBonus": {
    "headline": "40,000 Membership Rewards Points",
    "requirement": "Spend $3,000 within the first 6 months"
   },
   "earn": [
    {
     "category": "Travel",
     "type": "travel",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Transit",
     "type": "travel",
     "rate": 3,
     "scope": "general",
     "portalOnly": true
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "travel": {
     "category": "Travel",
     "rate": 3
    },
    "dining": {
     "category": "Dining",
     "rate": 3
    }
   },
   "credits": [
    {
     "name": "$209 CLEAR® Plus Credit",
     "description": "CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership1 with up to $199 in statement credits per calendar year after you pay for CLEAR Plus with the American Express Green Card®.‡\n\n1Excluding any applicable taxes and fees. Subject to auto-renewal.",
     "type": "multiple",
     "annualValue": 209,
     "perCycleCap": 209,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 209,
   "conditionalTotal": 0,
   "perks": [],
   "status": [],
   "protection": [],
   "benefitCount": 1,
   "upstreamUpdated": "2025-06-10",
   "url": "https://uscreditcardrewards.com/cards/amex-green"
  },
  {
   "slug": "amex-hilton-aspire",
   "name": "Amex Hilton Aspire",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 550,
   "network": "American Express",
   "currency": "Hilton Honors Points",
   "currencyFamily": "hotel",
   "foreignTransactionFee": false,
   "image": "/card-art/amex-hilton-aspire.webp",
   "exploreCategory": "hotel",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Hilton",
     "type": "travel",
     "rate": 14,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Travel",
     "type": "travel",
     "rate": 7,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 7,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 3,
   "bestGeneral": {
    "travel": {
     "category": "Travel",
     "rate": 7
    },
    "dining": {
     "category": "Dining",
     "rate": 7
    }
   },
   "credits": [
    {
     "name": "$200 Semi-Annual Hilton Resort Credit",
     "description": "Get up to $200 in statement credits semi-annually for eligible purchases made directly with participating Hilton Resorts on your Hilton Honors Aspire Card. That's up to $400 back annually. No minimum purchase required.‡",
     "type": "multiple",
     "annualValue": 400,
     "perCycleCap": 200,
     "cycle": "semi-annual",
     "cycleLabel": "Twice a year",
     "timesPerYear": 2,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "CLEAR Plus Credit",
     "description": "Get up to $209 back per year in statement credits when you pay for a CLEAR Plus membership with your Hilton Honors American Express Aspire Card.",
     "type": "multiple",
     "annualValue": 209,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$200 Airline Fee Credit",
     "description": "Get up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with an airline or through AmexTravel.com using your Hilton Honors American Express Aspire Card.‡",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 50,
     "cycle": "quarterly",
     "cycleLabel": "Quarterly",
     "timesPerYear": 4,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$100 Waldorf/Conrad On-Property Credit",
     "description": "Get up to $100 in statement credits annually for eligible on-property purchases (room service, dining, spa, etc.) at Waldorf Astoria or Conrad Hotels & Resorts when you book a 2-night minimum stay through American Express Travel.",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 909,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Hilton Honors Annual Free Night Reward",
     "description": "Enjoy an Annual Free Night Reward from Hilton Honors in your first year of Card Membership and every year upon Card renewal\n\nHow It Works\nTo ensure receipt of the Reward e-mail notification, you should confirm the correct email address is listed on your Hilton Honors account profile.\n\nTo redeem a Free Night Reward, Card Members must call 1-800-446-6677 and mention the code provided by Hilton Honors. You can view the status of any Free Night Rewards issued to you by visiting your Hilton Honors Account Dashboard at HiltonHonors.com",
     "type": "onetime",
     "annualValue": 300,
     "perCycleCap": 300,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 300
    },
    {
     "name": "TSA PreCheck/Global Entry Credit",
     "description": "Statement credit for TSA PreCheck or Global Entry application fee",
     "type": "onetime",
     "annualValue": 25,
     "perCycleCap": 100,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 25
    }
   ],
   "status": [
    {
     "name": "National Car Rental Emerald Club Executive",
     "description": "Complimentary National Car Rental Emerald Club Executive status. Skip the counter, choose any car in the Executive Aisle, and earn one free rental day for every five qualifying rentals. Enrollment required.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Hilton Diamond Status",
     "description": "Automatic Hilton Honors Diamond elite status for as long as you hold the card",
     "type": "status",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 8,
   "upstreamUpdated": "2025-05-25",
   "url": "https://uscreditcardrewards.com/cards/amex-hilton-aspire"
  },
  {
   "slug": "amex-hilton-express",
   "name": "Amex Hilton Express",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 0,
   "network": "American Express",
   "currency": "Hilton Honors Points",
   "currencyFamily": "hotel",
   "foreignTransactionFee": false,
   "image": "/card-art/amex-hilton-express.webp",
   "exploreCategory": "hotel",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Hilton",
     "type": "travel",
     "rate": 7,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 3,
   "bestGeneral": {
    "grocery": {
     "category": "Grocery",
     "rate": 5
    },
    "dining": {
     "category": "Dining",
     "rate": 5
    },
    "gas": {
     "category": "Gas",
     "rate": 5
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [],
   "status": [
    {
     "name": "Hilton Honors Silver Status",
     "description": "Enjoy complimentary Silver status with your Card. Silver status gives you a 20% Bonus on Base Points you earn on every stay, plus, you receive the fifth night free when you book a standard room stay with 100% Points.",
     "type": "status",
     "annualValue": 10,
     "perCycleCap": 10,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 1,
   "upstreamUpdated": "2025-06-10",
   "url": "https://uscreditcardrewards.com/cards/amex-hilton-express"
  },
  {
   "slug": "amex-hilton-honors-business",
   "name": "Amex Hilton Honors Business",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 195,
   "network": "American Express",
   "currency": "Hilton Honors Points",
   "currencyFamily": "hotel",
   "foreignTransactionFee": false,
   "image": "/card-art/amex-hilton-honors-business.webp",
   "exploreCategory": "hotel",
   "welcomeBonus": {
    "headline": "175,000 Hilton Points + 1 Free Night",
    "requirement": "Spend $8000 within the first 6 months"
   },
   "earn": [
    {
     "category": "Hilton",
     "type": "travel",
     "rate": 12,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 5,
   "bestGeneral": {},
   "credits": [
    {
     "name": "$240 Hilton Credit",
     "description": "Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio. That's up to $240 in statement credits annually.",
     "type": "multiple",
     "annualValue": 240,
     "perCycleCap": 60,
     "cycle": "quarterly",
     "cycleLabel": "Quarterly",
     "timesPerYear": 4,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 240,
   "conditionalTotal": 0,
   "perks": [],
   "status": [
    {
     "name": "Hilton Honors Gold Status",
     "description": "Complimentary Hilton Honors Gold elite status. Includes 80% points bonus on stays, fifth night free on award stays, room upgrades, and complimentary breakfast.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Hilton Diamond Status ($40k spend)",
     "description": "Spend $40,000 on eligible purchases in a calendar year to earn Hilton Honors Diamond status through the end of the next calendar year.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 40000,
     "isWelcome": false
    },
    {
     "name": "National Emerald Club Executive Status",
     "description": "Complimentary National Car Rental Emerald Club Executive status. Includes access to Executive Selection, faster rentals, and exclusive offers.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Baggage Insurance Plan",
     "description": "Coverage for lost, damaged, or stolen baggage when you purchase your entire fare with an eligible Card.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 5,
   "upstreamUpdated": "2025-12-28",
   "url": "https://uscreditcardrewards.com/cards/amex-hilton-honors-business"
  },
  {
   "slug": "amex-hilton-surpass",
   "name": "Amex Hilton Surpass",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 150,
   "network": "American Express",
   "currency": "Hilton Honors Points",
   "currencyFamily": "hotel",
   "foreignTransactionFee": false,
   "image": "/card-art/amex-hilton-surpass.webp",
   "exploreCategory": "hotel",
   "welcomeBonus": {
    "headline": "130,000 Hilton Points + 1 Free Night",
    "requirement": "Spend $3000 within the first 6 months"
   },
   "earn": [
    {
     "category": "Hilton",
     "type": "travel",
     "rate": 12,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 6,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 6,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 6,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Retail Online",
     "type": "retail_online",
     "rate": 4,
     "scope": "brand",
     "portalOnly": true
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 3,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 6
    },
    "grocery": {
     "category": "Grocery",
     "rate": 6
    },
    "gas": {
     "category": "Gas",
     "rate": 6
    }
   },
   "credits": [
    {
     "name": "$200 Hilton Credit",
     "description": "Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That’s up to $200 in statement credits annually. Purchases must be made directly with Hilton and charged to your Card.",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 50,
     "cycle": "quarterly",
     "cycleLabel": "Quarterly",
     "timesPerYear": 4,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 200,
   "conditionalTotal": 0,
   "perks": [],
   "status": [
    {
     "name": "Hilton Honors Diamond Status after $40,000 spend",
     "description": "Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Diamond status through the end of the next calendar year. Diamond status offers a 100% Bonus on Base Points, premium Wi-Fi at select properties, daily food & beverage credit or complimentary breakfast, space-available room upgrades, executive lounge access, and more.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 40000,
     "isWelcome": false
    },
    {
     "name": "National Emerald Club Executive Status",
     "description": "As a Hilton Honors American Express Surpass® Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status. After enrollment, enjoy benefits such as access to Executive Selection, faster rentals, and exclusive offers. Enrollment required.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Free Night Reward after $15,000 spend",
     "description": "Earn one Free Night Reward after you spend $15,000 on eligible purchases on your Card in a calendar year. The Free Night Reward can be redeemed at nearly any Hilton property worldwide, subject to availability and standard reward night terms.",
     "type": "status",
     "annualValue": 1,
     "perCycleCap": 1,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 15000,
     "isWelcome": false
    },
    {
     "name": "Hilton Honors Gold Status",
     "description": "Enjoy complimentary Hilton Honors™ Gold status with your Card. Gold status offers an 80% Bonus on Base Points earned on every stay, space-available room upgrades at select properties, daily food & beverage credit at select brands in the U.S. or complimentary continental breakfast at select brands outside the U.S., and more. Enrollment required.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 5,
   "upstreamUpdated": "2025-06-05",
   "url": "https://uscreditcardrewards.com/cards/amex-hilton-surpass"
  },
  {
   "slug": "amex-marriott-bevy",
   "name": "Amex Marriott Bevy",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 250,
   "network": "American Express",
   "currency": "Marriott Bonvoy Points",
   "currencyFamily": "hotel",
   "foreignTransactionFee": false,
   "image": "/card-art/amex-marriott-bevy.webp",
   "exploreCategory": "hotel",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Marriott",
     "type": "travel",
     "rate": 6,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 4,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 4,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 2,
   "bestGeneral": {
    "grocery": {
     "category": "Grocery",
     "rate": 4
    },
    "dining": {
     "category": "Dining",
     "rate": 4
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [],
   "status": [
    {
     "name": "Free Night Award (up to 50,000 points)",
     "description": "Earn 1 Free Night Award after spending $15,000 on eligible purchases in a calendar year. Award can be used for one night at hotels participating in Marriott Bonvoy (redemption level at or under 50,000 points)",
     "type": "status",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 15000,
     "isWelcome": false
    },
    {
     "name": "25% Bonus Points on Stays",
     "description": "With complimentary Marriott Bonvoy Gold Elite Status, earn up to 2.5X points from Marriott Bonvoy on eligible hotel purchases with the 25% Bonus Points on stays benefit",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Marriott Bonvoy Gold Elite Status",
     "description": "Complimentary Marriott Bonvoy Gold Elite Status with benefits including 25% bonus points on stays, enhanced room upgrades, 2 PM late checkout, and welcome gift of points",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "1,000 Bonus Points Per Stay",
     "description": "Earn 1,000 Marriott Bonvoy bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "15 Elite Night Credits",
     "description": "Each calendar year receive 15 Elite Night Credits toward the next level of Marriott Bonvoy Elite status",
     "type": "status",
     "annualValue": 15,
     "perCycleCap": 15,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 5,
   "upstreamUpdated": "2025-06-10",
   "url": "https://uscreditcardrewards.com/cards/amex-marriott-bevy"
  },
  {
   "slug": "amex-marriott-brilliant",
   "name": "Amex Marriott Brilliant",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 650,
   "network": "American Express",
   "currency": "Marriott Bonvoy Points",
   "currencyFamily": "hotel",
   "foreignTransactionFee": false,
   "image": "/card-art/amex-marriott-brilliant.webp",
   "exploreCategory": "hotel",
   "welcomeBonus": {
    "headline": "200,000 Marriott points (upcoming), currently 100k",
    "requirement": "Spend $8,000 within the first 6 months"
   },
   "earn": [
    {
     "category": "Marriott",
     "type": "travel",
     "rate": 6,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Travel",
     "type": "travel",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 2,
   "bestGeneral": {
    "travel": {
     "category": "Travel",
     "rate": 3
    },
    "dining": {
     "category": "Dining",
     "rate": 3
    }
   },
   "credits": [
    {
     "name": "$25 Monthly Dining Credit",
     "description": "Up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide",
     "type": "multiple",
     "annualValue": 300,
     "perCycleCap": 25,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$100 Marriott Bonvoy Property Credit",
     "description": "Up to $100 in property credit for qualifying charges at The Ritz-Carlton or St. Regis hotels when booking direct with a special rate for a 2-night minimum stay.",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 400,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "TSA PreCheck/Global Entry Credit",
     "description": "Statement credit for TSA PreCheck or Global Entry application fee",
     "type": "onetime",
     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 30
    }
   ],
   "status": [
    {
     "name": "Annual Free Night Award",
     "description": "Free night award (up to 85,000 points) every year after your card renewal month",
     "type": "status",
     "annualValue": 600,
     "perCycleCap": 600,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "25 Elite Night Credits",
     "description": "Receive 25 Elite Night Credits each calendar year toward Marriott Bonvoy elite status. Combined with the complimentary Platinum Elite status this card grants, helps progress toward Titanium (75 nights) or Ambassador (100 nights).",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Priority Pass Select",
     "description": "Unlimited airport lounge visits to over 1,200 lounges in over 130 countries",
     "type": "status",
     "annualValue": 400,
     "perCycleCap": 400,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Marriott Platinum Elite Status",
     "description": "Automatic Marriott Bonvoy Platinum Elite status for as long as you hold the card",
     "type": "status",
     "annualValue": 1200,
     "perCycleCap": 1200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 7,
   "upstreamUpdated": "2025-05-25",
   "url": "https://uscreditcardrewards.com/cards/amex-marriott-brilliant"
  },
  {
   "slug": "amex-marriott-business",
   "name": "Amex Marriott Business",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 125,
   "network": "American Express",
   "currency": "Marriott Bonvoy Points",
   "currencyFamily": "hotel",
   "foreignTransactionFee": false,
   "image": "/card-art/amex-marriott-business.webp",
   "exploreCategory": "hotel",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Marriott",
     "type": "travel",
     "rate": 6,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 4,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 4,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Internet, Cable & Phone Services",
     "type": "business",
     "rate": 4,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Shipping",
     "type": "business",
     "rate": 4,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 2,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 4
    },
    "gas": {
     "category": "Gas",
     "rate": 4
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Free Night Award",
     "description": "Earn one Free Night Award (worth up to 35,000 Bonvoy points) each year after your Card account anniversary",
     "type": "multiple",
     "annualValue": 140,
     "perCycleCap": 140,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 140
    },
    {
     "name": "Second Free Night Award ($60K Spend)",
     "description": "Earn an additional Free Night Award (up to 35,000 points) after spending $60,000 on purchases in a calendar year. Can be combined with up to 15,000 points. Award expires 12 months after issuance.",
     "type": "multiple",
     "annualValue": 140,
     "perCycleCap": 140,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 60000,
     "isWelcome": false,
     "estimatedValue": 140
    },
    {
     "name": "Employee Card Benefits",
     "description": "Get up to 99 employee cards for no additional fee",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "7% Room Rate Discount",
     "description": "7% discount on guest room Standard Rate when booked directly through Marriott Bonvoy channels under the Amex Business Card Rate. Excludes Design Hotels, vacation clubs, all-inclusive properties, and Homes & Villas by Marriott Bonvoy.",
     "type": "multiple",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [
    {
     "name": "Elite Night Credits",
     "description": "Earn 15 Elite Night Credits each calendar year to help you reach the next level of Marriott Bonvoy elite status",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Marriott Bonvoy Gold Elite Status",
     "description": "Automatic Gold Elite Status each calendar year. Benefits include 25% Elite Bonus Points on stays, 2 p.m. late checkout (availability-based), enhanced room upgrades (availability-based), and premium Wi-Fi at participating properties. Allow up to 8 weeks from account opening for status to be applied.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 6,
   "upstreamUpdated": "2025-07-11",
   "url": "https://uscreditcardrewards.com/cards/amex-marriott-business"
  },
  {
   "slug": "amex-morgan-stanley-platinum",
   "name": "Amex Morgan Stanley Platinum",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 895,
   "network": "American Express",
   "currency": "Membership Rewards Points",
   "currencyFamily": "transferable",
   "foreignTransactionFee": false,
   "image": "/card-art/amex-morgan-stanley-platinum.webp",
   "exploreCategory": "others",
   "welcomeBonus": {
    "headline": "Earn 125,000 Membership Rewards Points after spending $8,000 in the first 6 months",
    "requirement": "Spend $8,000 in the first 6 months. Requires Morgan Stanley brokerage or E*TRADE account."
   },
   "earn": [
    {
     "category": "Airlines",
     "type": "travel",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Hotel (AmexTravel)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "travel": {
     "category": "Airlines",
     "rate": 5
    }
   },
   "credits": [
    {
     "name": "$895 Annual Engagement Bonus",
     "description": "Eligible Platinum CashPlus clients receive an $895 Annual Engagement Bonus deposited into their Morgan Stanley Platinum CashPlus account, effectively offsetting the card's annual fee. Requires maintaining an eligible Morgan Stanley Platinum CashPlus account. Bonus is deposited annually.",
     "type": "multiple",
     "annualValue": 895,
     "perCycleCap": 895,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$600 Hotel Credit",
     "description": "Get up to $300 in statement credits semi-annually (up to $600 annually) when you use your Platinum Card to prepay for eligible bookings through American Express Travel at Fine Hotels + Resorts or The Hotel Collection. Enrollment required.",
     "type": "multiple",
     "annualValue": 600,
     "perCycleCap": 300,
     "cycle": "semi-annual",
     "cycleLabel": "Twice a year",
     "timesPerYear": 2,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$400 Resy Credit",
     "description": "Get up to $100 in statement credits each quarter when you use your Platinum Card at U.S. Resy restaurants and for other eligible purchases through Resy. That's up to $400 annually. Enrollment required.",
     "type": "multiple",
     "annualValue": 400,
     "perCycleCap": 100,
     "cycle": "quarterly",
     "cycleLabel": "Quarterly",
     "timesPerYear": 4,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$300 Equinox Credit",
     "description": "Up to $300 in statement credits annually for Equinox fitness club membership",
     "type": "multiple",
     "annualValue": 300,
     "perCycleCap": 300,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$300 Lululemon Credit",
     "description": "Get up to $75 in statement credits each quarter when you use your Platinum Card for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That's up to $300 annually. Enrollment required.",
     "type": "multiple",
     "annualValue": 300,
     "perCycleCap": 75,
     "cycle": "quarterly",
     "cycleLabel": "Quarterly",
     "timesPerYear": 4,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$25 Monthly Digital Entertainment Credit",
     "description": "Get up to $25 in monthly statement credits when you pay for select digital subscriptions with your Platinum Card. Eligible services include Disney+, ESPN+, Hulu, The New York Times, Peacock, Paramount+, YouTube Premium, YouTube TV, and more. Enrollment required.",
     "type": "multiple",
     "annualValue": 300,
     "perCycleCap": 25,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "CLEAR Plus Credit",
     "description": "Receive up to $209 back per calendar year when you use your Card to pay for a CLEAR Plus membership. CLEAR Plus lets you use your eyes or fingerprints to verify your identity and move through security faster at 50+ airports and stadiums nationwide.",
     "type": "multiple",
     "annualValue": 209,
     "perCycleCap": 209,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$200 Airline Fee Credit",
     "description": "Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card account.",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$200 Oura Ring Credit",
     "description": "Receive up to $200 in statement credits each calendar year when you use your Platinum Card to purchase an Oura Ring at Ouraring.com. The Oura Ring is a smart ring to track and improve your sleep and overall health. Enrollment required.",
     "type": "onetime",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$15 Monthly Uber Credit",
     "description": "Up to $200 in Uber Cash annually ($15 per month, $35 in December)",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 15,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$12.95 Monthly Walmart+ Credit",
     "description": "Get up to $12.95 in statement credits each month when you pay for a monthly Walmart+ membership with your Platinum Card. That's up to $155 in value annually.",
     "type": "multiple",
     "annualValue": 155,
     "perCycleCap": 12.95,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$120 Global Entry/TSA PreCheck Credit",
     "description": "Receive up to $120 in statement credits every 4 years when you use your Platinum Card to pay for your Global Entry ($120) or TSA PreCheck ($78) application fee.",
     "type": "onetime",
     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 3789,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Delta Sky Club Access",
     "description": "Get 10 complimentary Delta Sky Club visits per calendar year when you access the Club on a Delta-operated flight. Visits reset each January 1. Guest access may be available for an additional fee.",
     "type": "multiple",
     "annualValue": 390,
     "perCycleCap": 390,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 390
    }
   ],
   "status": [
    {
     "name": "$120 Uber One Membership",
     "description": "Get up to $120 in statement credits each calendar year when you use your Platinum Card to pay for the full cost of an auto-renewing Uber One membership. Unlock discounts on rides and $0 delivery fees on Uber Eats. Enrollment required. Note: Using Uber Cash to pay will make the purchase ineligible for the credit.",
     "type": "status",
     "annualValue": 120,
     "perCycleCap": 120,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Hilton Honors Gold Status",
     "description": "Complimentary Hilton Honors Gold Status. Enjoy benefits like room upgrades upon check-in when available, bonus points earning, and late checkout.",
     "type": "status",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Invest with Rewards",
     "description": "Redeem Membership Rewards points for deposits into your Morgan Stanley or E*TRADE investment account through Invest with Rewards. Redemption rate is $1,000 deposited for every 100,000 points (1 cent per point). Available exclusively to Morgan Stanley Platinum cardholders.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Marriott Bonvoy Gold Elite Status",
     "description": "Complimentary Marriott Bonvoy Gold Elite Status. Enjoy benefits like room upgrades upon check-in when available, late checkout, and bonus points earning.",
     "type": "status",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Centurion Lounge Access",
     "description": "Complimentary access to Centurion Lounges worldwide",
     "type": "status",
     "annualValue": 500,
     "perCycleCap": 500,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 18,
   "upstreamUpdated": "2026-04-12",
   "url": "https://uscreditcardrewards.com/cards/amex-morgan-stanley-platinum"
  },
  {
   "slug": "amex-platinum",
   "name": "Amex Platinum",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 895,
   "network": "American Express",
   "currency": "Membership Rewards Points",
   "currencyFamily": "transferable",
   "foreignTransactionFee": false,
   "image": "/card-art/amex-platinum.webp",
   "exploreCategory": "others",
   "welcomeBonus": {
    "headline": "As high as 175,000 Membership Rewards Points",
    "requirement": "Spend $12,000 within the first 6 months"
   },
   "earn": [
    {
     "category": "Hotel (AmexTravel)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Airlines",
     "type": "travel",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "travel": {
     "category": "Airlines",
     "rate": 5
    }
   },
   "credits": [
    {
     "name": "$600 Hotel Credit",
     "description": "Get up to $300 in statement credits semi-annually (up to $600 annually) when you use your Platinum Card to prepay for eligible bookings through American Express Travel at Fine Hotels + Resorts or The Hotel Collection.",
     "type": "multiple",
     "annualValue": 600,
     "perCycleCap": 300,
     "cycle": "semi-annual",
     "cycleLabel": "Twice a year",
     "timesPerYear": 2,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$400 Resy Credit",
     "description": "Get up to $100 in statement credits each quarter when you use your Platinum Card at U.S. Resy restaurants and for other eligible purchases through Resy. That's up to $400 annually. Enrollment required.",
     "type": "multiple",
     "annualValue": 400,
     "perCycleCap": 100,
     "cycle": "quarterly",
     "cycleLabel": "Quarterly",
     "timesPerYear": 4,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$25 Monthly Digital Entertainment Credit",
     "description": "Get up to $25 in monthly statement credits when you pay for select digital subscriptions with your Platinum Card. Eligible services include Disney+, ESPN+, Hulu, The New York Times, Peacock, Paramount+, YouTube Premium, YouTube TV, and more. Enrollment required.",
     "type": "multiple",
     "annualValue": 300,
     "perCycleCap": 25,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$300 Equinox Credit",
     "description": "Up to $300 in statement credits annually for Equinox fitness club membership",
     "type": "multiple",
     "annualValue": 300,
     "perCycleCap": 300,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$300 Lululemon Credit",
     "description": "Get up to $75 in statement credits each quarter when you use your Platinum Card for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That's up to $300 annually. Enrollment required.",
     "type": "multiple",
     "annualValue": 300,
     "perCycleCap": 75,
     "cycle": "quarterly",
     "cycleLabel": "Quarterly",
     "timesPerYear": 4,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "CLEAR Plus Credit",
     "description": "Receive up to $209 back per calendar year when you use your Card to pay for a CLEAR Plus membership. CLEAR Plus lets you use your eyes or fingerprints to verify your identity and move through security faster at 50+ airports and stadiums nationwide.",
     "type": "multiple",
     "annualValue": 209,
     "perCycleCap": 209,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$200 Airline Fee Credit",
     "description": "Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card® account.",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$15 Monthly Uber Credit",
     "description": "Up to $200 in Uber Cash annually ($15 per month, $35 in December)",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 15,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$200 Oura Ring Credit",
     "description": "Receive up to $200 in statement credits each calendar year when you use your Platinum Card to purchase an Oura Ring at Ouraring.com. The Oura Ring is a smart ring to track and improve your sleep and overall health. Enrollment required.",
     "type": "onetime",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$12.95 Monthly Walmart+ Credit",
     "description": "Get up to $12.95 in statement credits each month when you pay for a monthly Walmart+ membership with your Platinum Card. That's up to $155 in value annually.",
     "type": "multiple",
     "annualValue": 155,
     "perCycleCap": 12.95,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$120 Global Entry/TSA PreCheck Credit",
     "description": "Receive up to $120 in statement credits every 4 years when you use your Platinum Card to pay for your Global Entry ($120) or TSA PreCheck ($78) application fee.",
     "type": "onetime",
     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 2894,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Delta Sky Club Access",
     "description": "Get 10 complimentary Delta Sky Club visits per calendar year when you access the Club on a Delta-operated flight. Visits reset each January 1. Guest access may be available for an additional fee.",
     "type": "multiple",
     "annualValue": 390,
     "perCycleCap": 390,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 390
    }
   ],
   "status": [
    {
     "name": "Centurion Lounge Access",
     "description": "Complimentary access to Centurion Lounges worldwide",
     "type": "status",
     "annualValue": 500,
     "perCycleCap": 500,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$120 Uber One Membership",
     "description": "Get up to $120 in statement credits each calendar year when you use your Platinum Card to pay for the full cost of an auto-renewing Uber One membership. Unlock discounts on rides and $0 delivery fees on Uber Eats. Enrollment required. Note: Using Uber Cash to pay will make the purchase ineligible for the credit.",
     "type": "status",
     "annualValue": 120,
     "perCycleCap": 120,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Hilton Honors Gold Status",
     "description": "Complimentary Hilton Honors Gold Status. Enjoy benefits like room upgrades upon check-in when available, bonus points earning, and late checkout.",
     "type": "status",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Marriott Bonvoy Gold Elite Status",
     "description": "Complimentary Marriott Bonvoy Gold Elite Status. Enjoy benefits like room upgrades upon check-in when available, late checkout, and bonus points earning.",
     "type": "status",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Trip Delay Insurance",
     "description": "Up to $500 per covered trip for reasonable additional expenses (meals, lodging, toiletries, medication) when your trip is delayed more than 6 hours. Maximum of 2 covered trips per consecutive 12-month period. Round trip must be purchased entirely with the Platinum Card.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Trip Cancellation and Interruption Insurance",
     "description": "Up to $10,000 per covered trip and up to $20,000 per 12-month period for non-refundable expenses when a trip is cancelled or interrupted for a covered reason. Trip must be purchased entirely with the Platinum Card.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Baggage Insurance Plan",
     "description": "Coverage for lost, damaged, or stolen baggage: up to $2,000 per person per trip for checked bags, with a combined maximum of $3,000 for checked and carry-on bags. High-risk items such as jewelry, cameras, and electronics are covered up to $1,000 per person per covered trip. Entire fare must be charged to the Platinum Card.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Car Rental Loss and Damage Insurance",
     "description": "Secondary coverage for damage or theft of a rental vehicle, up to $75,000 per rental agreement, for rental periods of up to 42 days. You must decline the rental company collision damage waiver and pay with the Platinum Card. Not available in Australia, Italy, and New Zealand. Primary coverage is available separately through the paid Premium Car Rental Protection program.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Purchase Protection",
     "description": "Covers eligible purchases against accidental damage, theft, or loss for 90 days from the date of purchase. Up to $10,000 per covered purchase and up to $50,000 per eligible card account per calendar year.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Extended Warranty",
     "description": "Adds up to one extra year of coverage on eligible U.S. manufacturer warranties of 5 years or less, up to $10,000 per item and up to $50,000 per eligible card account per calendar year.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Return Protection",
     "description": "If a merchant will not accept a return within 90 days of purchase, American Express may refund the full purchase price up to $300 per item and up to $1,000 per card member account per calendar year.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Cell Phone Protection",
     "description": "Reimburses repair or replacement costs following damage or theft, up to $800 per claim with a maximum of 2 approved claims per 12-month period. A $50 deductible applies to each approved claim. Your cell phone line must be listed on a wireless bill and the prior month bill must have been paid with the Platinum Card.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Premium Global Assist Hotline",
     "description": "24/7 hotline for medical, legal, financial, and translation referrals when traveling more than 100 miles from home. Emergency medical transportation and evacuation is provided at no cost when arranged by Premium Global Assist. The cost of medical treatment itself is not covered.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 25,
   "upstreamUpdated": "2025-05-25",
   "url": "https://uscreditcardrewards.com/cards/amex-platinum"
  },
  {
   "slug": "amex-schwab-platinum",
   "name": "Amex Schwab Platinum",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 895,
   "network": "American Express",
   "currency": "Membership Rewards Points",
   "currencyFamily": "transferable",
   "foreignTransactionFee": false,
   "image": "/card-art/amex-schwab-platinum.webp",
   "exploreCategory": "travel",
   "welcomeBonus": {
    "headline": "80,000 Membership Rewards Points",
    "requirement": "Spend $8,000 in first 6 months"
   },
   "earn": [
    {
     "category": "Airline (AmexTravel)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Hotel (AmexTravel)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 1,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 1,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 1,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 1
    },
    "grocery": {
     "category": "Grocery",
     "rate": 1
    },
    "gas": {
     "category": "Gas",
     "rate": 1
    }
   },
   "credits": [
    {
     "name": "$600 Hotel Credit",
     "description": "Get up to $300 in statement credits semi-annually (up to $600 annually) when you use your Platinum Card to prepay for eligible bookings through American Express Travel at Fine Hotels + Resorts or The Hotel Collection. Enrollment required.",
     "type": "multiple",
     "annualValue": 600,
     "perCycleCap": 300,
     "cycle": "semi-annual",
     "cycleLabel": "Twice a year",
     "timesPerYear": 2,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$400 Resy Credit",
     "description": "Get up to $100 in statement credits each quarter when you use your Platinum Card at U.S. Resy restaurants and for other eligible purchases through Resy. That's up to $400 annually. Enrollment required.",
     "type": "multiple",
     "annualValue": 400,
     "perCycleCap": 100,
     "cycle": "quarterly",
     "cycleLabel": "Quarterly",
     "timesPerYear": 4,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$25 Monthly Digital Entertainment Credit",
     "description": "Get up to $25 in monthly statement credits when you pay for select digital subscriptions with your Platinum Card. Eligible services include Disney+, ESPN+, Hulu, The New York Times, Peacock, Paramount+, YouTube Premium, YouTube TV, and more. Enrollment required.",
     "type": "multiple",
     "annualValue": 300,
     "perCycleCap": 25,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$300 Lululemon Credit",
     "description": "Get up to $75 in statement credits each quarter when you use your Platinum Card for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That's up to $300 annually. Enrollment required.",
     "type": "multiple",
     "annualValue": 300,
     "perCycleCap": 75,
     "cycle": "quarterly",
     "cycleLabel": "Quarterly",
     "timesPerYear": 4,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$300 Equinox Credit",
     "description": "Up to $300 in statement credits annually for Equinox fitness club membership",
     "type": "multiple",
     "annualValue": 300,
     "perCycleCap": 300,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$200 Airline Fee Credit",
     "description": "Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card account.",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$200 Oura Ring Credit",
     "description": "Receive up to $200 in statement credits each calendar year when you use your Platinum Card to purchase an Oura Ring at Ouraring.com. Enrollment required.",
     "type": "onetime",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$15 Monthly Uber Credit",
     "description": "Up to $200 in Uber Cash annually ($15 per month, $35 in December)",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 15,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$12.95 Monthly Walmart+ Credit",
     "description": "Get up to $12.95 in statement credits each month when you pay for a monthly Walmart+ membership with your Platinum Card. That's up to $155 in value annually.",
     "type": "multiple",
     "annualValue": 155,
     "perCycleCap": 12.95,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$120 Global Entry/TSA PreCheck Credit",
     "description": "Receive up to $120 in statement credits every 4 years when you use your Platinum Card to pay for your Global Entry ($120) or TSA PreCheck ($78) application fee.",
     "type": "onetime",
     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 2685,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Schwab Appreciation Bonus ($10M+)",
     "description": "Annual $1,000 credit for Schwab holdings over $10 million. Requires eligible Schwab account.",
     "type": "multiple",
     "annualValue": 1000,
     "perCycleCap": 1000,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 1000
    },
    {
     "name": "$189 CLEAR Plus Credit",
     "description": "Receive up to $189 in statement credits each calendar year when you use your Platinum Card to pay for a CLEAR Plus membership. CLEAR Plus helps you get through airport security faster.",
     "type": "multiple",
     "annualValue": 209,
     "perCycleCap": 209,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 209
    },
    {
     "name": "Schwab Appreciation Bonus ($1M-$10M)",
     "description": "Annual $200 credit for Schwab holdings between $1 million and $10 million. Requires eligible Schwab account.",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 200
    },
    {
     "name": "Schwab Appreciation Bonus ($250K-$1M)",
     "description": "Annual $100 credit for Schwab holdings between $250,000 and $1 million. Requires eligible Schwab account.",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 100
    }
   ],
   "status": [
    {
     "name": "1.1cpp Schwab Redemption",
     "description": "Redeem Membership Rewards points at 1.1 cents per point into eligible Schwab accounts (up to 1 million points per year, then 0.8cpp).",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Centurion Lounge Access",
     "description": "Complimentary access to Centurion Lounges worldwide",
     "type": "status",
     "annualValue": 500,
     "perCycleCap": 500,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$120 Uber One Credit",
     "description": "Get up to $120 in statement credits each calendar year when you use your Platinum Card to pay for the full cost of an auto-renewing Uber One membership. Enrollment required.",
     "type": "status",
     "annualValue": 120,
     "perCycleCap": 120,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Hilton Honors Gold Status",
     "description": "Complimentary Hilton Honors Gold Status. Enjoy benefits like room upgrades upon check-in when available, bonus points earning, and late checkout.",
     "type": "status",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Marriott Bonvoy Gold Elite Status",
     "description": "Complimentary Marriott Bonvoy Gold Elite Status. Enjoy benefits like room upgrades upon check-in when available, late checkout, and bonus points earning.",
     "type": "status",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 19,
   "upstreamUpdated": "2026-01-09",
   "url": "https://uscreditcardrewards.com/cards/amex-schwab-platinum"
  },
  {
   "slug": "apple-card",
   "name": "Apple Card",
   "issuer": "Goldman Sachs",
   "issuerSlug": "goldman-sachs",
   "issuerSite": "https://www.goldmansachs.com",
   "annualFee": 0,
   "network": "Mastercard",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": false,
   "image": "/card-art/apple-card.webp",
   "exploreCategory": "everyday",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Apple&Merchant",
     "type": "other",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Apple Pay",
     "type": "other",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 3,
   "bestGeneral": {},
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "6-Month Uber One Free Trial",
     "description": "New users, $9.99/month, $60 total value, requires Apple Pay",
     "type": "multiple",
     "annualValue": 59.94,
     "perCycleCap": 9.99,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 59.94
    },
    {
     "name": "Apple Card Family",
     "description": "Share credit line and build credit together with family members",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Apple Card Monthly Installments",
     "description": "0% interest monthly installments for Apple products, plus 3% Daily Cash",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "High-Yield Savings Account",
     "description": "Daily Cash can be automatically deposited into a high-yield savings account (3.65% APY as of May 2025)",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Booking.com Travel Credits",
     "description": "2% Booking.com Travel Credits on eligible hotel/car bookings via special link (not Daily Cash)",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [],
   "protection": [],
   "benefitCount": 5,
   "upstreamUpdated": "2025-06-29",
   "url": "https://uscreditcardrewards.com/cards/apple-card"
  },
  {
   "slug": "atmos-rewards-ascent",
   "name": "Atmos Rewards Ascent",
   "issuer": "Bank of America",
   "issuerSlug": "bank-of-america",
   "issuerSite": "https://www.bankofamerica.com",
   "annualFee": 95,
   "network": "Visa",
   "currency": "Atmos Rewards Points",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/atmos-rewards-ascent.webp",
   "exploreCategory": "travel",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Airline(Alaska)",
     "type": "other",
     "rate": 3,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Hawaiian Airlines",
     "type": "travel",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "EV Charging",
     "type": "gas",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Transit",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Streaming Service",
     "type": "streaming",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Internet, Cable & Phone Services",
     "type": "business",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 3,
   "bestGeneral": {
    "gas": {
     "category": "Gas",
     "rate": 2
    },
    "travel": {
     "category": "Transit",
     "rate": 2
    },
    "streaming": {
     "category": "Streaming Service",
     "rate": 2
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Companion Fare",
     "description": "Each year, receive a companion fare from $99 (plus taxes and fees from $23) when you purchase an Alaska Airlines or Hawaiian Airlines flight. Requires $6,000 annual spend. Companion must be booked on the same reservation.",
     "type": "multiple",
     "annualValue": 250,
     "perCycleCap": 250,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 250
    },
    {
     "name": "Alaska Lounge+ Membership Discount",
     "description": "Receive $100 off an Alaska Lounge+ annual membership fee (regular price $550, reduced to $450 with this card).",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 100
    }
   ],
   "status": [
    {
     "name": "Priority Boarding",
     "description": "Board in Group 2 on Alaska Airlines flights, allowing you to find overhead bin space and settle in before most other passengers. Includes up to 6 companions on the same reservation.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Elite Status Points Earning",
     "description": "Earn 1 Atmos Rewards status point per $3 spent on the card, helping you qualify for elite status faster. No cap on status points earned.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Free First Checked Bag",
     "description": "You and up to 6 passengers on the same reservation receive your first checked bag free on Alaska Airlines and Hawaiian Airlines flights. Savings of up to $35-40 per person each way.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "20% In-flight Savings",
     "description": "Save 20% on food, beverages, and WiFi purchases on Alaska Airlines and Hawaiian Airlines flights when you pay with your card.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 6,
   "upstreamUpdated": "2026-01-02",
   "url": "https://uscreditcardrewards.com/cards/atmos-rewards-ascent"
  },
  {
   "slug": "atmos-rewards-summit",
   "name": "Atmos Rewards Summit",
   "issuer": "Bank of America",
   "issuerSlug": "bank-of-america",
   "issuerSite": "https://www.bankofamerica.com",
   "annualFee": 395,
   "network": "Visa",
   "currency": "Atmos Rewards Points",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/atmos-rewards-summit.webp",
   "exploreCategory": "travel",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Airline(Alaska)",
     "type": "other",
     "rate": 3,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Hawaiian Airlines",
     "type": "travel",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Foreign Transactions",
     "type": "travel",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 3,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 3
    }
   },
   "credits": [
    {
     "name": "$50 Travel Delay Credit",
     "description": "Automatically receive a $50 voucher when your Alaska Airlines flight is delayed 2+ hours or cancelled within 24 hours of departure. Valid for 48 hours. Industry-first instant credit.",
     "type": "multiple",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "TSA PreCheck/Global Entry Credit",
     "description": "Up to $120 in statement credits for Global Entry or TSA PreCheck application fees every 4 years",
     "type": "onetime",
     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 80,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "100K Global Companion Award",
     "description": "Earn an additional 100,000-point Global Companion Award after spending $60,000 or more on purchases in a card anniversary year. Provides significant savings on premium cabin companion awards.",
     "type": "multiple",
     "annualValue": 1600,
     "perCycleCap": 1600,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 60000,
     "isWelcome": false,
     "estimatedValue": 1600
    },
    {
     "name": "Alaska Lounge Passes (8x)",
     "description": "Receive 8 Alaska Lounge passes annually (2 passes per calendar quarter). Each pass is valid for one adult plus up to 2 children under 21. Passes expire at end of each quarter.",
     "type": "multiple",
     "annualValue": 520,
     "perCycleCap": 520,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 520
    },
    {
     "name": "25K Global Companion Award",
     "description": "Receive a 25,000-point Global Companion Award each card anniversary. Use it to reduce the points needed for a companion award booking on Alaska, Hawaiian, or partner airlines.",
     "type": "multiple",
     "annualValue": 400,
     "perCycleCap": 400,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 400
    },
    {
     "name": "8 Wi-Fi Passes",
     "description": "Receive 8 complimentary single-flight Wi-Fi passes annually for use on Alaska Airlines flights.",
     "type": "multiple",
     "annualValue": 64,
     "perCycleCap": 64,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 64
    }
   ],
   "status": [
    {
     "name": "Free First Checked Bag",
     "description": "You and up to 6 passengers on the same reservation receive your first checked bag free on Alaska Airlines and Hawaiian Airlines flights.",
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     "verifiedCredit": false,
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     "isWelcome": false
    },
    {
     "name": "Waived Same-Day Change Fees",
     "description": "Change your Alaska Airlines flight on the same day of travel without paying change fees.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
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     "resetsOn": "cardmember-year",
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     "verifiedCredit": false,
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    },
    {
     "name": "20% In-flight Savings",
     "description": "Save 20% on food, beverages, and WiFi purchases on Alaska Airlines and Hawaiian Airlines flights when you pay with your card.",
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     "verifiedCredit": false,
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     "isWelcome": false
    },
    {
     "name": "Waived Partner Award Fees",
     "description": "Book award flights on partner airlines without paying the $12.50 per-person booking fee.",
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     "annualValue": 0,
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     "resetsOn": "cardmember-year",
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    },
    {
     "name": "Priority Boarding",
     "description": "Board in Group 2 on Alaska Airlines flights, allowing you to find overhead bin space and settle in before most other passengers.",
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     "resetsOn": "cardmember-year",
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     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
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    },
    {
     "name": "10K Annual Status Points",
     "description": "Receive 10,000 bonus status points each card anniversary, plus earn 1 status point per $2 spent. Fastest path to Atmos elite status of any airline card.",
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     "annualValue": 0,
     "perCycleCap": null,
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     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
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     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Travel Insurance",
     "description": "Trip cancellation/interruption insurance, trip delay reimbursement, baggage delay insurance, lost luggage reimbursement, travel accident insurance, and emergency evacuation coverage.",
     "type": "insurance",
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     "perCycleCap": null,
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     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
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   ],
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  },
  {
   "slug": "atmos-rewards-visa-business",
   "name": "Atmos Rewards Visa Business",
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   "issuerSlug": "bank-of-america",
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    {
     "category": "Hawaiian Airlines",
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     "scope": "brand",
     "portalOnly": false
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    {
     "category": "Gas",
     "type": "gas",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "EV Charging",
     "type": "gas",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Transit",
     "type": "travel",
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     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Shipping",
     "type": "business",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
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    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
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   ],
   "baseRate": 3,
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     "category": "Gas",
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    "travel": {
     "category": "Transit",
     "rate": 2
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   },
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     "name": "Companion Fare",
     "description": "Each year, receive a companion fare from $99 (plus taxes and fees from $23) when you purchase an Alaska Airlines or Hawaiian Airlines flight. Requires $6,000 annual spend. Companion must be booked on the same reservation.",
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    {
     "name": "Alaska Lounge+ Membership Discount",
     "description": "Receive $100 off an Alaska Lounge+ annual membership fee (regular price $550, reduced to $450 with this card).",
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     "annualValue": 100,
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     "cycle": "annual",
     "cycleLabel": "Once a year",
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     "verifiedCredit": false,
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     "isWelcome": false,
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   ],
   "status": [
    {
     "name": "20% In-flight Savings",
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     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
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    {
     "name": "Priority Boarding",
     "description": "Board in Group 2 on Alaska Airlines flights, allowing you to find overhead bin space and settle in before most other passengers. Includes up to 6 companions on the same reservation.",
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    {
     "name": "Free First Checked Bag",
     "description": "You and up to 6 passengers on the same reservation receive your first checked bag free on Alaska Airlines and Hawaiian Airlines flights. Savings of up to $35-40 per person each way.",
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    {
     "name": "Elite Status Points Earning",
     "description": "Earn 1 Atmos Rewards status point per $3 spent on the card, helping you qualify for elite status faster. Capped at 30,000 status points for 2025; no cap starting 2026.",
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   ],
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  {
   "slug": "barclays-aadvantage-red",
   "name": "Barclays AAdvantage Red",
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   "issuerSlug": "barclays",
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    {
     "category": "Other",
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     "rate": 1,
     "scope": "brand",
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   ],
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    {
     "name": "Inflight Wi-Fi Credit",
     "description": "Get up to $25 back as statement credits on inflight Wi-Fi purchases every anniversary year on American Airlines operated flights.",
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     "timesPerYear": 1,
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    {
     "name": "First Checked Bag Free",
     "description": "First checked bag free on domestic American Airlines itineraries for the primary cardmember and up to 4 companions traveling with you on the same reservation.",
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     "annualValue": 240,
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    {
     "name": "Inflight Food & Beverage Discount",
     "description": "Receive 25% inflight savings as statement credits on food and beverages when you use your card on American Airlines operated flights.",
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   ],
   "status": [
    {
     "name": "Preferred Boarding",
     "description": "Preferred boarding for the primary cardmember and up to 4 companions on their reservation for all American Airlines operated flights.",
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     "perCycleCap": null,
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     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
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     "verifiedCredit": false,
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    }
   ],
   "protection": [
    {
     "name": "Travel Insurance",
     "description": "Eligible for Travel Accident Insurance, Trip Cancellation and Interruption coverage, Baggage Delay Insurance, and Auto Rental Collision Damage Waiver. Restrictions, limitations and exclusions apply.",
     "type": "insurance",
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   ],
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   "upstreamUpdated": "2025-06-22",
   "url": "https://uscreditcardrewards.com/cards/barclays-aadvantage-red"
  },
  {
   "slug": "barclays-athleta",
   "name": "Barclays Athleta",
   "issuer": "Barclays",
   "issuerSlug": "barclays",
   "issuerSite": "https://www.barclaycardus.com",
   "annualFee": 0,
   "network": "Mastercard",
   "currency": "Gap Inc. Rewards Points",
   "currencyFamily": "store",
   "foreignTransactionFee": false,
   "image": "/card-art/barclays-athleta.webp",
   "exploreCategory": "others",
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   "earn": [
    {
     "category": "Gap",
     "type": "retail",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
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   ],
   "baseRate": 1,
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   "perks": [
    {
     "name": "Free Fast Shipping",
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    {
     "name": "Members Only Exclusive Offers",
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    {
     "name": "Donate Rewards to Charity",
     "description": "Donate your rewards to a good cause - eligible program members can convert rewards to dollars to donate to select organizations",
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    },
    {
     "name": "Complimentary FICO Credit Score",
     "description": "Keep an eye on your credit with complimentary online access to your FICO Credit Score",
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     "perCycleCap": null,
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   ],
   "status": [
    {
     "name": "Early Access to Sales",
     "description": "Early access to select sales for eligible program members",
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   ],
   "protection": [],
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  {
   "slug": "barclays-carnival",
   "name": "Barclays Carnival",
   "issuer": "Barclays",
   "issuerSlug": "barclays",
   "issuerSite": "https://www.barclaycardus.com",
   "annualFee": 0,
   "network": "Mastercard",
   "currency": "Carnival FunPoints",
   "currencyFamily": "store",
   "foreignTransactionFee": false,
   "image": "/card-art/barclays-carnival.webp",
   "exploreCategory": "others",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Cruise(Carnival)",
     "type": "travel",
     "rate": 2,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
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   ],
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   "perks": [
    {
     "name": "10% Shore Excursions Discount",
     "description": "10% back on shore excursion purchases and 0% promo APR for 6 months on Carnival bookings",
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     "annualValue": 100,
     "perCycleCap": 100,
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     "estimatedValue": 100
    },
    {
     "name": "Interest-Free Financing",
     "description": "0% Promotional APR for 6 billing cycles from the transaction date on all Qualifying Carnival Cruise Booking Purchases",
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     "perCycleCap": null,
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     "cycleLabel": "Once a year",
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    },
    {
     "name": "Balance Transfer Intro APR",
     "description": "0% Introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening",
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     "annualValue": 0,
     "perCycleCap": null,
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     "cycleLabel": "Once a year",
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   ],
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     "name": "Travel Insurance Coverage",
     "description": "Travel Accident Insurance, Trip Cancellation and Interruption coverage, Baggage Delay Insurance, and Auto Rental Collision Damage Waiver",
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   ],
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  },
  {
   "slug": "barclays-emirates-premium",
   "name": "Barclays Emirates Premium",
   "issuer": "Barclays",
   "issuerSlug": "barclays",
   "issuerSite": "https://www.barclaycardus.com",
   "annualFee": 499,
   "network": "Mastercard",
   "currency": "Emirates Skywards Miles",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/barclays-emirates-premium.webp",
   "exploreCategory": "airline",
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   "earn": [
    {
     "category": "Emirates",
     "type": "travel",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Travel",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
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   ],
   "baseRate": 1,
   "bestGeneral": {
    "travel": {
     "category": "Travel",
     "rate": 2
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   },
   "credits": [],
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   "perks": [
    {
     "name": "Anniversary Bonus Miles",
     "description": "Earn 10,000 anniversary bonus Skywards Miles after spending $30,000 on purchases each cardmembership year",
     "type": "multiple",
     "annualValue": 0,
     "perCycleCap": null,
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     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 30000,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "25% Discount on Buy/Gift Miles",
     "description": "Receive a 25% savings when you Buy Skywards Miles for yourself or Gift Miles",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Miles Never Expire",
     "description": "The Skywards Miles you earn will not expire as long as your account remains open",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
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    {
     "name": "Free FICO Credit Score",
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     "name": "Emirates Gold Tier Membership",
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     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
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     "estimatedValue": 100
    },
    {
     "name": "Inflight Purchase Savings",
     "description": "50% savings on eligible inflight purchases on JetBlue-operated flights",
     "type": "multiple",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 50
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    {
     "name": "Points Payback",
     "description": "Points Payback allows you to redeem points for a statement credit",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
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     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
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     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
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    {
     "name": "Points Redemption Bonus",
     "description": "Get 10% of your points back after you redeem for and travel on a JetBlue-operated Award Flight",
     "type": "multiple",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
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    {
     "name": "Free First Checked Bag",
     "description": "Free first checked bag for the primary cardmember and up to 3 eligible travel companions on the same itinerary when you use your JetBlue Plus Card on JetBlue-operated flights",
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     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
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   ],
   "status": [
    {
     "name": "Group A Boarding",
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     "resetsOn": "cardmember-year",
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     "verifiedCredit": false,
     "conditional": false,
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     "isWelcome": false
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   ],
   "protection": [],
   "benefitCount": 6,
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   "url": "https://uscreditcardrewards.com/cards/barclays-jetblue-plus"
  },
  {
   "slug": "barclays-jetblue-premier",
   "name": "Barclays JetBlue Premier",
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   "issuerSlug": "barclays",
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   "currency": "JetBlue TrueBlue Points",
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    {
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    {
     "category": "Dining",
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     "portalOnly": false
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    {
     "category": "Grocery",
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    {
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     "rate": 1,
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    {
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    {
     "name": "Points Redemption Bonus",
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    {
     "name": "Companion Pass Credits",
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     "resetsOn": "cardmember-year",
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     "spendRequirement": null,
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     "estimatedValue": null
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    {
     "name": "ClassPass Credits",
     "description": "Receive 14 monthly ClassPass credits for fitness classes and wellness experiences at studios, spas, salons, gyms and more nationwide",
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    {
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    {
     "name": "25 Mosaic Tiles",
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    {
     "name": "BlueHouse Lounge Access",
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  {
   "slug": "barclays-view-mastercard",
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   "network": "Mastercard",
   "currency": "Cash",
   "currencyFamily": "cash",
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   "image": "/card-art/barclays-view-mastercard.webp",
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    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 2,
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     "portalOnly": false
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    {
     "category": "Streaming Service",
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     "rate": 2,
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     "portalOnly": false
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    {
     "category": "Internet, Cable & Phone Services",
     "type": "business",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
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    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
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   ],
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     "category": "Dining",
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    "grocery": {
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     "category": "Streaming Service",
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   "benefitCount": 0,
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  {
   "slug": "barclays-wyndham-earner",
   "name": "Barclays Wyndham Earner",
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   "issuerSlug": "barclays",
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    {
     "category": "Gas",
     "type": "gas",
     "rate": 5,
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     "portalOnly": false
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    {
     "category": "Dining",
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     "portalOnly": false
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    {
     "category": "Grocery",
     "type": "grocery",
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    {
     "category": "Other",
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     "rate": 1,
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   ],
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     "category": "Dining",
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    {
     "name": "Earn Free Nights Faster",
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    {
     "name": "Cardmember Booking Discount",
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    {
     "name": "0% Intro APR Balance Transfers",
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     "name": "Wyndham Rewards Gold Status",
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   ],
   "protection": [
    {
     "name": "$0 Fraud Liability Protection",
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   ],
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  {
   "slug": "barclays-wyndham-earner-business",
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   "issuerSlug": "barclays",
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   "network": "Visa",
   "currency": "Wyndham Rewards Points",
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    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 8,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Advertising (Social Media & Search)",
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     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Internet, Cable & Phone Services",
     "type": "business",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
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    {
     "category": "Other",
     "type": "other",
     "rate": 1,
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     "portalOnly": false
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   ],
   "baseRate": 1,
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     "name": "Anniversary Bonus",
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    {
     "name": "Earn Free Nights Faster",
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    {
     "name": "Cardmember Booking Discount",
     "description": "Wyndham Rewards Earner Business Cardmembers can save even more on our Standard Rate for stays at participating Hotels by Wyndham",
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    },
    {
     "name": "Complimentary Employee Cards",
     "description": "Offer you more control over business expenses and improved tracking by adding employees to your account at no additional cost",
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     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
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     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Visa SavingsEdge",
     "description": "Turns qualifying business purchases into savings. Visit visasavingsedge.com for details",
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     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
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   ],
   "status": [
    {
     "name": "Wyndham Rewards Diamond Status",
     "description": "Automatically receive a Wyndham Rewards DIAMOND member level and enjoy perks like suite upgrades, welcome amenity at check-in, and more",
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     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
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    }
   ],
   "protection": [
    {
     "name": "$0 Fraud Liability Protection",
     "description": "You are not responsible for charges you did not authorize",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
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     "isWelcome": false
    }
   ],
   "benefitCount": 7,
   "upstreamUpdated": "2025-06-28",
   "url": "https://uscreditcardrewards.com/cards/barclays-wyndham-earner-business"
  },
  {
   "slug": "barclays-wyndham-earner-plus",
   "name": "Barclays Wyndham Earner Plus",
   "issuer": "Barclays",
   "issuerSlug": "barclays",
   "issuerSite": "https://www.barclaycardus.com",
   "annualFee": 75,
   "network": "Visa",
   "currency": "Wyndham Rewards Points",
   "currencyFamily": "hotel",
   "foreignTransactionFee": false,
   "image": "/card-art/barclays-wyndham-earner-plus.webp",
   "exploreCategory": "hotel",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Hotel(Wyndham)",
     "type": "travel",
     "rate": 6,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 6,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 4,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 4,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "gas": {
     "category": "Gas",
     "rate": 6
    },
    "dining": {
     "category": "Dining",
     "rate": 4
    },
    "grocery": {
     "category": "Grocery",
     "rate": 4
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Anniversary Bonus",
     "description": "Receive 7,500 bonus points each anniversary year",
     "type": "multiple",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 50
    },
    {
     "name": "Earn Free Nights Faster",
     "description": "Redeem 10% fewer Wyndham Rewards points for free nights, which means you can book free nights starting at just 6,750 points",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Cardmember Booking Discount",
     "description": "Wyndham Rewards Earner Plus Cardmembers can save even more on our Standard Rate for stays at participating Hotels by Wyndham",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "0% Intro APR Balance Transfers",
     "description": "Enjoy a 0% introductory APR for 15 months on balance transfers made within 45 days of account opening",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [
    {
     "name": "Wyndham Rewards Platinum Status",
     "description": "Automatically receive a Wyndham Rewards PLATINUM member level and enjoy perks like early check-in, car rental upgrades, and more",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "$0 Fraud Liability Protection",
     "description": "You are not responsible for charges you did not authorize",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
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     "verifiedCredit": false,
     "conditional": false,
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    }
   ],
   "benefitCount": 6,
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   "url": "https://uscreditcardrewards.com/cards/barclays-wyndham-earner-plus"
  },
  {
   "slug": "bilt-blue-card",
   "name": "Bilt Blue Card",
   "issuer": "First Electronic Bank",
   "issuerSlug": "first-electronic-bank",
   "issuerSite": "https://www.firstelectronicbank.com",
   "annualFee": 0,
   "network": "Mastercard",
   "currency": "Bilt Points",
   "currencyFamily": "transferable",
   "foreignTransactionFee": false,
   "image": "/card-art/bilt-blue-card.webp",
   "exploreCategory": "everyday",
   "welcomeBonus": {
    "headline": "$100 of Bilt Cash when you apply and get approved",
    "requirement": "Apply and get approved"
   },
   "earn": [
    {
     "category": "Rent",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
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   ],
   "baseRate": 1,
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   "perks": [],
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   "protection": [
    {
     "name": "Cell Phone Protection",
     "description": "Cellular Wireless Telephone Protection covers damage or theft of your cell phone up to $600 per claim with a $25 deductible, up to 2 claims per 12-month period. You must pay your monthly wireless bill with the Bilt Blue Card to be eligible. Covers the primary cardholder and any family members on the same wireless plan.",
     "type": "insurance",
     "annualValue": 50,
     "perCycleCap": 600,
     "cycle": "annual",
     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
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     "verifiedCredit": false,
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     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Purchase Assurance",
     "description": "Purchase Assurance covers items purchased with your Bilt Blue Card that are damaged or stolen within 90 days of purchase, up to $1,000 per claim and $50,000 per cardholder account in a 12-month period. File claims at mycardbenefits.com or by calling 1-800-Mastercard within 60 days of the loss.",
     "type": "insurance",
     "annualValue": 50,
     "perCycleCap": 1000,
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     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "MasterRental Coverage",
     "description": "MasterRental Coverage provides secondary auto rental collision/loss damage coverage when you rent a vehicle for 31 consecutive days or less and pay with your Bilt Blue Card. You must decline the rental company's optional collision damage waiver. Coverage is secondary to your personal auto insurance.",
     "type": "insurance",
     "annualValue": 30,
     "perCycleCap": 30,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 3,
   "upstreamUpdated": "2026-03-15",
   "url": "https://uscreditcardrewards.com/cards/bilt-blue-card"
  },
  {
   "slug": "bilt-mastercardlegacy",
   "name": "Bilt Mastercard(Legacy)",
   "issuer": "Wells Fargo",
   "issuerSlug": "wells-fargo",
   "issuerSite": "https://www.wellsfargo.com",
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   "network": "Mastercard",
   "currency": "Bilt Points",
   "currencyFamily": "transferable",
   "foreignTransactionFee": false,
   "image": "/card-art/bilt-mastercardlegacy.webp",
   "exploreCategory": "travel",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Dining",
     "type": "dining",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Travel",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Rent",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 3
    },
    "travel": {
     "category": "Travel",
     "rate": 2
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   },
   "credits": [],
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   "benefitCount": 0,
   "upstreamUpdated": "2025-06-13",
   "url": "https://uscreditcardrewards.com/cards/bilt-mastercardlegacy"
  },
  {
   "slug": "bilt-obsidian-card",
   "name": "Bilt Obsidian Card",
   "issuer": "First Electronic Bank",
   "issuerSlug": "first-electronic-bank",
   "issuerSite": "https://www.firstelectronicbank.com",
   "annualFee": 95,
   "network": "Mastercard",
   "currency": "Bilt Points",
   "currencyFamily": "transferable",
   "foreignTransactionFee": false,
   "image": "/card-art/bilt-obsidian-card.webp",
   "exploreCategory": "everyday",
   "welcomeBonus": {
    "headline": "$200 Bilt Cash credited upon card approval",
    "requirement": "Apply and get approved"
   },
   "earn": [
    {
     "category": "Dining",
     "type": "dining",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Travel",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Rent",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
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   ],
   "baseRate": 1,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 3
    },
    "grocery": {
     "category": "Grocery",
     "rate": 3
    },
    "travel": {
     "category": "Travel",
     "rate": 2
    }
   },
   "credits": [
    {
     "name": "$200 Annual Bilt Cash Benefit",
     "description": "$200 in Bilt Cash is automatically credited to your Bilt account upon card approval. In subsequent years, the $200 Bilt Cash benefit is credited on January 1st of each calendar year. Bilt Cash balances over $100 expire at year-end. Bilt Cash can be redeemed for dollar-for-dollar value toward fitness classes, hotel bookings, Home Delivery orders, Lyft rides, and more through the Bilt app.",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$100 Bilt Travel Hotel Credit",
     "description": "$100 annual Bilt Travel Hotel credit distributed as two $50 semi-annual credits. Apply toward eligible hotel bookings made through the Bilt Travel Portal. Bookings must be for a minimum 2-night stay to qualify for the credit.",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 50,
     "cycle": "semi-annual",
     "cycleLabel": "Twice a year",
     "timesPerYear": 2,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 300,
   "conditionalTotal": 0,
   "perks": [],
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   "protection": [
    {
     "name": "Cell Phone Protection",
     "description": "Cellular Wireless Telephone Protection covers damage or theft of your cell phone up to $600 per claim with a $25 deductible, up to 2 claims per 12-month period. You must pay your monthly wireless bill with the Bilt Obsidian Card to be eligible. Covers the primary cardholder and any family members on the same wireless plan.",
     "type": "insurance",
     "annualValue": 50,
     "perCycleCap": 600,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Purchase Assurance",
     "description": "Purchase Assurance covers items purchased with your Bilt Obsidian Card that are damaged or stolen within 90 days of purchase, up to $1,000 per claim and $50,000 per cardholder account in a 12-month period. File claims at mycardbenefits.com or by calling 1-800-Mastercard within 60 days of the loss.",
     "type": "insurance",
     "annualValue": 50,
     "perCycleCap": 1000,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Trip Cancellation/Interruption Insurance",
     "description": "Trip Cancellation/Interruption Insurance reimburses you for non-refundable trip expenses if your trip is canceled or interrupted due to a covered reason (illness, severe weather, etc.). Coverage up to $2,000 per covered trip and $5,000 per account in a 12-month period. The entire trip must be paid with the Bilt Obsidian Card.",
     "type": "insurance",
     "annualValue": 60,
     "perCycleCap": 2000,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Lost/Damaged Luggage Insurance",
     "description": "Lost or Damaged Luggage Insurance covers up to $1,500 per incident to repair or replace damaged or lost checked or carry-on luggage when traveling on a common carrier (airline, train, etc.) and the ticket was purchased with the Bilt Obsidian Card. Up to 2 claims allowed in a 12-month period.",
     "type": "insurance",
     "annualValue": 40,
     "perCycleCap": 1500,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Trip Delay Reimbursement",
     "description": "Trip Delay Reimbursement provides up to $300 per trip for essential expenses (meals, lodging, toiletries) if your trip is delayed more than 6 hours while traveling to your destination or returning home. One claim per 12-month period. The trip must be purchased with the Bilt Obsidian Card.",
     "type": "insurance",
     "annualValue": 30,
     "perCycleCap": 300,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
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     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Price Drop Protection",
     "description": "Price Drop Protection monitors prices for eligible items purchased with your Bilt Obsidian Card and provides a refund of the price difference if the price drops within a specified period after purchase.",
     "type": "insurance",
     "annualValue": 20,
     "perCycleCap": 20,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Extended Warranty",
     "description": "Extended Warranty doubles the original manufacturer's warranty for eligible items purchased with the Bilt Obsidian Card, for warranties of 24 months or less. Coverage up to $10,000 per claim. Does not apply to commercial or professional use items.",
     "type": "insurance",
     "annualValue": 30,
     "perCycleCap": 10000,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "MasterRental Coverage",
     "description": "MasterRental Coverage provides secondary auto rental collision/loss damage coverage when you rent a vehicle for 31 consecutive days or less and pay with your Bilt Obsidian Card. You must decline the rental company's optional collision damage waiver. Coverage is secondary to your personal auto insurance.",
     "type": "insurance",
     "annualValue": 30,
     "perCycleCap": 30,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 10,
   "upstreamUpdated": "2026-03-15",
   "url": "https://uscreditcardrewards.com/cards/bilt-obsidian-card"
  },
  {
   "slug": "bilt-palladium-card",
   "name": "Bilt Palladium Card",
   "issuer": "First Electronic Bank",
   "issuerSlug": "first-electronic-bank",
   "issuerSite": "https://www.firstelectronicbank.com",
   "annualFee": 495,
   "network": "Mastercard",
   "currency": "Bilt Points",
   "currencyFamily": "transferable",
   "foreignTransactionFee": false,
   "image": "/card-art/bilt-palladium-card.webp",
   "exploreCategory": "others",
   "welcomeBonus": {
    "headline": "50,000 Bilt Points + Gold Status + $300 Bilt Cash",
    "requirement": "Spend $4,000 on everyday purchases in first 3 months"
   },
   "earn": [
    {
     "category": "Other",
     "type": "other",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Rent",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 2,
   "bestGeneral": {},
   "credits": [
    {
     "name": "$400 Bilt Travel Hotel Credit",
     "description": "$400 annual Bilt Travel Hotel credit distributed as two $200 semi-annual credits. Apply toward eligible hotel bookings made through the Bilt Travel Portal. Bookings must be for a minimum 2-night stay to qualify for the credit.",
     "type": "multiple",
     "annualValue": 400,
     "perCycleCap": 200,
     "cycle": "semi-annual",
     "cycleLabel": "Twice a year",
     "timesPerYear": 2,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$200 Annual Bilt Cash Benefit",
     "description": "$200 in Bilt Cash is automatically credited to your Bilt account upon card approval. In subsequent years, the $200 Bilt Cash benefit is credited on January 1st of each calendar year. Bilt Cash balances over $100 expire at year-end. Bilt Cash can be redeemed for dollar-for-dollar value toward fitness classes, hotel bookings, Home Delivery orders, Lyft rides, and more through the Bilt app.",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$10 Monthly Lyft Credit",
     "description": "Up to $10 per month in Lyft credit, redeemable through Bilt Cash toward Lyft rides. $120 total annual value. Credit is available monthly and does not roll over to the next month if unused.",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 10,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 720,
   "conditionalTotal": 0,
   "perks": [],
   "status": [
    {
     "name": "Priority Pass Select",
     "description": "Complimentary Priority Pass Select membership providing access to over 1,400 Priority Pass airport lounges worldwide. Bring up to 2 guests per visit at no additional charge. Excludes Priority Pass restaurant experiences.",
     "type": "status",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Cell Phone Protection",
     "description": "Cellular Wireless Telephone Protection covers damage or theft of your cell phone up to $600 per claim with a $25 deductible, up to 2 claims per 12-month period. You must pay your monthly wireless bill with the Bilt Palladium Card to be eligible. Coverage begins the month after you start paying your cellphone bill with the card.",
     "type": "insurance",
     "annualValue": 50,
     "perCycleCap": 600,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Purchase Assurance",
     "description": "Purchase Assurance covers items purchased with your Bilt Palladium Card that are damaged or stolen within 90 days of purchase, up to $1,000 per claim and $50,000 per cardholder account in a 12-month period. File claims at mycardbenefits.com or by calling 1-800-Mastercard within 60 days of the loss.",
     "type": "insurance",
     "annualValue": 50,
     "perCycleCap": 1000,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Trip Cancellation/Interruption Insurance",
     "description": "Trip Cancellation/Interruption Insurance reimburses you for non-refundable trip expenses if your trip is canceled or interrupted due to a covered reason (illness, severe weather, etc.). Coverage up to $2,000 per covered trip and $5,000 per account in a 12-month period. The entire trip must be paid with the Bilt Palladium Card. File claims at mycardbenefits.com or call 1-800-Mastercard within 60 days, with documentation submitted within 180 days.",
     "type": "insurance",
     "annualValue": 60,
     "perCycleCap": 2000,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Lost/Damaged Luggage Insurance",
     "description": "Lost or Damaged Luggage Insurance covers up to $1,500 per incident to repair or replace damaged or lost checked or carry-on luggage when traveling on a common carrier and the ticket was purchased with the Bilt Palladium Card. Lost luggage is defined as missing for 10 consecutive days. Up to 2 claims per 12-month period. File within 60 days with documentation within 180 days.",
     "type": "insurance",
     "annualValue": 40,
     "perCycleCap": 1500,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Trip Delay Reimbursement",
     "description": "Trip Delay Reimbursement provides up to $300 per trip for essential expenses (meals, lodging, toiletries) if your trip is delayed more than 6 hours while traveling to your destination or returning home. One claim per 12-month period. The trip must be purchased with the Bilt Palladium Card.",
     "type": "insurance",
     "annualValue": 30,
     "perCycleCap": 300,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Baggage Delay Insurance",
     "description": "Baggage Delay Insurance covers up to $250 for replacing personal items in your checked baggage when it is delayed. Exclusive to Bilt Palladium cardholders. Up to 2 claims per 12-month period.",
     "type": "insurance",
     "annualValue": 25,
     "perCycleCap": 250,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Extended Warranty",
     "description": "Extended Warranty doubles the original manufacturer's warranty for eligible items purchased with the Bilt Palladium Card, for warranties of 24 months or less. Coverage up to $10,000 per claim. Does not apply to commercial or professional use items.",
     "type": "insurance",
     "annualValue": 30,
     "perCycleCap": 10000,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "MasterRental Coverage",
     "description": "MasterRental Coverage provides secondary auto rental collision/loss damage coverage when you rent a vehicle for 31 consecutive days or less and pay with your Bilt Palladium Card. You must decline the rental company's optional collision damage waiver. Coverage is secondary to your personal auto insurance.",
     "type": "insurance",
     "annualValue": 30,
     "perCycleCap": 30,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Price Drop Protection",
     "description": "Price Drop Protection monitors prices for eligible items purchased with your Bilt Palladium Card and provides a refund of the price difference if the price drops within a specified period after purchase.",
     "type": "insurance",
     "annualValue": 20,
     "perCycleCap": 20,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 13,
   "upstreamUpdated": "2026-03-15",
   "url": "https://uscreditcardrewards.com/cards/bilt-palladium-card"
  },
  {
   "slug": "boa-customized-cash-rewards",
   "name": "BoA Customized Cash Rewards",
   "issuer": "Bank of America",
   "issuerSlug": "bank-of-america",
   "issuerSite": "https://www.bankofamerica.com",
   "annualFee": 0,
   "network": "Visa",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": true,
   "image": "/card-art/boa-customized-cash-rewards.webp",
   "exploreCategory": "everyday",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "grocery": {
     "category": "Grocery",
     "rate": 2
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [],
   "status": [],
   "protection": [],
   "benefitCount": 0,
   "upstreamUpdated": "2025-06-17",
   "url": "https://uscreditcardrewards.com/cards/boa-customized-cash-rewards"
  },
  {
   "slug": "boa-premium-rewards",
   "name": "BoA Premium Rewards",
   "issuer": "Bank of America",
   "issuerSlug": "bank-of-america",
   "issuerSite": "https://www.bankofamerica.com",
   "annualFee": 95,
   "network": "Visa",
   "currency": "Bank of America Points",
   "currencyFamily": "bank",
   "foreignTransactionFee": false,
   "image": "/card-art/boa-premium-rewards.webp",
   "exploreCategory": "travel",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Travel",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1.5,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1.5,
   "bestGeneral": {
    "travel": {
     "category": "Travel",
     "rate": 2
    },
    "dining": {
     "category": "Dining",
     "rate": 2
    }
   },
   "credits": [
    {
     "name": "Airline Incidental Credit",
     "description": "Up to $100 annual statement credit for airline incidental fees like baggage, seat upgrades, lounge access",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Global Entry Credit",
     "description": "Up to $100 statement credit every 4 years for Global Entry or TSA PreCheck application fee",
     "type": "onetime",
     "annualValue": 25,
     "perCycleCap": 100,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 125,
   "conditionalTotal": 0,
   "perks": [],
   "status": [],
   "protection": [
    {
     "name": "Travel Insurance",
     "description": "Trip cancellation/interruption, trip delay, baggage delay, lost luggage, emergency evacuation coverage",
     "type": "insurance",
     "annualValue": 150,
     "perCycleCap": 150,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 3,
   "upstreamUpdated": "2025-05-26",
   "url": "https://uscreditcardrewards.com/cards/boa-premium-rewards"
  },
  {
   "slug": "boa-premium-rewards-elite",
   "name": "BoA Premium Rewards Elite",
   "issuer": "Bank of America",
   "issuerSlug": "bank-of-america",
   "issuerSite": "https://www.bankofamerica.com",
   "annualFee": 550,
   "network": "Visa",
   "currency": "Bank of America Points",
   "currencyFamily": "bank",
   "foreignTransactionFee": false,
   "image": "/card-art/boa-premium-rewards-elite.webp",
   "exploreCategory": "travel",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Travel",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1.5,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1.5,
   "bestGeneral": {
    "travel": {
     "category": "Travel",
     "rate": 2
    },
    "dining": {
     "category": "Dining",
     "rate": 2
    }
   },
   "credits": [
    {
     "name": "Airline Incidental Credit",
     "description": "Up to $300 annual statement credit for airline incidental fees like baggage, seat upgrades, lounge access (excludes airfare)",
     "type": "multiple",
     "annualValue": 300,
     "perCycleCap": 300,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$150 Lifestyle Credit",
     "description": "Up to $150 annual statement credit for streaming services, food delivery, fitness subscriptions, and ride-hailing services",
     "type": "multiple",
     "annualValue": 150,
     "perCycleCap": 150,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Global Entry/TSA PreCheck Credit",
     "description": "Up to $120 statement credit for Global Entry or TSA PreCheck application fee (once every 4 years)",
     "type": "onetime",
     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 480,
   "conditionalTotal": 0,
   "perks": [],
   "status": [
    {
     "name": "Priority Pass Select",
     "description": "Up to 4 complimentary Priority Pass Select memberships with access to 1,700+ airport lounges worldwide (cardholder + 2 guests per visit)",
     "type": "status",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Travel Insurance",
     "description": "Comprehensive travel protection including trip cancellation/interruption, trip delay, baggage delay, lost luggage, and primary rental car insurance",
     "type": "insurance",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 5,
   "upstreamUpdated": "2025-12-20",
   "url": "https://uscreditcardrewards.com/cards/boa-premium-rewards-elite"
  },
  {
   "slug": "boa-travel-rewards",
   "name": "BoA Travel Rewards",
   "issuer": "Bank of America",
   "issuerSlug": "bank-of-america",
   "issuerSite": "https://www.bankofamerica.com",
   "annualFee": 0,
   "network": "Visa",
   "currency": "Bank of America Points",
   "currencyFamily": "bank",
   "foreignTransactionFee": false,
   "image": "/card-art/boa-travel-rewards.webp",
   "exploreCategory": "everyday",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Travel (BoA Travel)",
     "type": "travel",
     "rate": 3,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1.5,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1.5,
   "bestGeneral": {},
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [],
   "status": [],
   "protection": [],
   "benefitCount": 0,
   "upstreamUpdated": "2025-06-10",
   "url": "https://uscreditcardrewards.com/cards/boa-travel-rewards"
  },
  {
   "slug": "capital-one-quicksilver",
   "name": "Capital One QuickSilver",
   "issuer": "Capital One",
   "issuerSlug": "capital-one",
   "issuerSite": "https://www.capitalone.com",
   "annualFee": 0,
   "network": "Mastercard",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": false,
   "image": "/card-art/capital-one-quicksilver.webp",
   "exploreCategory": "everyday",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Hotel (C1Travel)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Car Rental (C1Travel)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Entertainment(C1)",
     "type": "bonus",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1.5,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1.5,
   "bestGeneral": {},
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [],
   "status": [],
   "protection": [],
   "benefitCount": 0,
   "upstreamUpdated": "2025-12-21",
   "url": "https://uscreditcardrewards.com/cards/capital-one-quicksilver"
  },
  {
   "slug": "capital-one-savor",
   "name": "Capital One Savor",
   "issuer": "Capital One",
   "issuerSlug": "capital-one",
   "issuerSite": "https://www.capitalone.com",
   "annualFee": 0,
   "network": "Mastercard",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": false,
   "image": "/card-art/capital-one-savor.webp",
   "exploreCategory": "dining",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Entertainment(C1)",
     "type": "bonus",
     "rate": 8,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Hotel (C1Travel)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Entertainment",
     "type": "entertainment",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Streaming Service",
     "type": "streaming",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "grocery": {
     "category": "Grocery",
     "rate": 3
    },
    "dining": {
     "category": "Dining",
     "rate": 3
    },
    "streaming": {
     "category": "Streaming Service",
     "rate": 3
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "50% off Handcrafted Beverages",
     "description": "Capital One cardholders enjoy 50% off all handcrafted beverages everyday at any Capital One Café nationwide",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "No Foreign Transaction Fees",
     "description": "You won't pay a transaction fee when making a purchase outside of the United States",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Complimentary Concierge Service",
     "description": "Enjoy comprehensive, personalized assistance in dining, entertainment and travel—24 hours a day, 365 days a year",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "CreditWise Credit Monitoring",
     "description": "Get alerts when your TransUnion or Experian credit report changes",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Virtual Card Numbers",
     "description": "Pay for online purchases with virtual card numbers and keep your actual card number to yourself",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Capital One Entertainment Access",
     "description": "Enjoy access to can't-miss events while earning 8% cash back on Capital One Entertainment purchases with your Savor Card",
     "type": "multiple",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Capital One Travel Enhanced Earning",
     "description": "Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel",
     "type": "multiple",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [
    {
     "name": "Capital One Dining Access",
     "description": "Make your next meal even more memorable with access to customer-only reservations at award-winning restaurants and tickets to curated culinary events",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Extended Warranty",
     "description": "You'll get additional warranty protection at no charge on eligible items that are purchased with your credit card",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Travel Accident Insurance",
     "description": "Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
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     "requiresActivation": false,
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     "isWelcome": false
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   ],
   "benefitCount": 10,
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  {
   "slug": "capital-one-venture-business",
   "name": "Capital One Venture Business",
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   "issuerSlug": "capital-one",
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   "network": "Visa",
   "currency": "Capital One Miles",
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   "foreignTransactionFee": false,
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    {
     "category": "Car Rental (C1Travel)",
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     "rate": 5,
     "scope": "portal",
     "portalOnly": false
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    {
     "category": "Other",
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     "rate": 2,
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   ],
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    {
     "name": "$50 Capital One Travel Credit",
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     "annualValue": 50,
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     "cycle": "annual",
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     "verifiedCredit": true,
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    {
     "name": "$50 Advertising & Software Credit",
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     "conditional": false,
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    {
     "name": "$120 Global Entry/TSA PreCheck Credit",
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     "conditional": false,
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    {
     "name": "Hertz Five Star Status",
     "description": "Complimentary Hertz Five Star status, including access to a wider selection of vehicles, faster pickup, and rental upgrades when available.",
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     "perCycleCap": 50,
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     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
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     "isWelcome": false
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   "protection": [],
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  {
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   "issuerSlug": "capital-one",
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   "network": "Visa",
   "currency": "Capital One Miles",
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   "foreignTransactionFee": false,
   "image": "/card-art/capital-one-venture-rewards.webp",
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    {
     "category": "Car Rental (C1Travel)",
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     "portalOnly": true
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    {
     "category": "Other",
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     "rate": 2,
     "scope": "brand",
     "portalOnly": false
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   "bestGeneral": {},
   "credits": [
    {
     "name": "Lifestyle Collection Experience Credit",
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     "annualValue": 50,
     "perCycleCap": 50,
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     "resetsOn": "cardmember-year",
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     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
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    {
     "name": "Global Entry/TSA PreCheck Credit",
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     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
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     "name": "Hertz Five Star Status",
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     "resetsOn": "cardmember-year",
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     "verifiedCredit": false,
     "conditional": false,
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   "protection": [
    {
     "name": "Extended Warranty Protection",
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     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
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     "spendRequirement": null,
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    {
     "name": "Travel Insurance",
     "description": "Travel accident insurance and auto rental collision damage waiver",
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     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
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   "currency": "Capital One Miles",
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   "image": "/card-art/capital-one-venture-x.webp",
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    {
     "category": "Hotel (C1Travel)",
     "type": "travel",
     "rate": 10,
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     "portalOnly": false
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    {
     "category": "Airline (C1Travel)",
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     "portalOnly": true
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    {
     "category": "Other",
     "type": "other",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
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    {
     "name": "$300 Annual Travel Credit",
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    {
     "name": "$100 Premier Collection Credit",
     "description": "$100 experience credit per Premier Collection hotel or vacation rental booking through Capital One Travel. Includes daily breakfast for 2, room upgrades, and early/late check-in/out when available.",
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     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
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     "spendRequirement": null,
     "isWelcome": false
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    {
     "name": "Global Entry/TSA PreCheck Credit",
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     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
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     "name": "10,000 Anniversary Bonus Miles",
     "description": "Earn 10,000 bonus miles automatically on each account anniversary. Miles are worth approximately 1.7¢ each when transferred to airline/hotel partners.",
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     "annualValue": 170,
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     "cycle": "annual",
     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
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     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 170
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   "status": [
    {
     "name": "Hertz President's Circle Status",
     "description": "Complimentary Hertz President's Circle elite status with skip-the-counter privileges and upgrades",
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     "annualValue": 150,
     "perCycleCap": 150,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
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    {
     "name": "The Cultivist Enthusiast 50% Off",
     "description": "50% off The Cultivist Enthusiast membership for up to 2 years. The Cultivist provides access to museum memberships, exclusive art events, and curated cultural experiences. Activate via your Capital One account benefits page.",
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     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
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     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
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    {
     "name": "Complimentary PRIOR Subscription",
     "description": "Complimentary subscription to PRIOR, a luxury travel platform offering curated trips and unique experiences ($149 annual value). Activate via your Capital One account benefits page.",
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     "annualValue": 149,
     "perCycleCap": 149,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Priority Pass Membership",
     "description": "Unlimited access to 1,300+ lounges worldwide with ability to bring 2 guests",
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     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Capital One Lounge Access",
     "description": "Unlimited access to Capital One Lounges with ability to bring 2 guests",
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     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
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   "protection": [
    {
     "name": "Cell Phone Protection",
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    {
     "name": "Trip Delay Reimbursement",
     "description": "Up to $500 per person for hotel, meals, and essentials when common carrier travel is delayed 6+ hours or requires overnight stay. Must purchase travel with the card.",
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    {
     "name": "Lost Luggage Reimbursement",
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     "timesPerYear": 1,
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     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
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     "isWelcome": false
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   ],
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  {
   "slug": "capital-one-venture-x-business",
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   "issuer": "Capital One",
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   "network": "Visa",
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   "foreignTransactionFee": false,
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     "portalOnly": false
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    {
     "category": "Car Rental (C1Travel)",
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    {
     "category": "Airline (C1Travel)",
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     "portalOnly": false
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    {
     "category": "Other",
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     "rate": 2,
     "scope": "brand",
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     "name": "$300 Annual Travel Credit",
     "description": "Receive $300 statement credit annually for travel purchases booked through Capital One Business Travel portal. Resets each cardmember year.",
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     "annualValue": 300,
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    {
     "name": "$100 Premier Collection Credit",
     "description": "$100 experience credit per Premier Collection hotel/vacation rental booking through Capital One Travel. Use for dining, spa, or unique experiences. Includes daily breakfast for 2, room upgrades, and early/late check-in/out when available.",
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     "annualValue": 100,
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     "resetsOn": "cardmember-year",
     "requiresActivation": false,
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     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
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    {
     "name": "Global Entry/TSA PreCheck Credit",
     "description": "Up to $120 statement credit for Global Entry ($120) or TSA PreCheck ($78) application fee. Credit applies once every 4.5 years.",
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     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
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     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
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     "spendRequirement": null,
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   "conditionalTotal": 0,
   "perks": [
    {
     "name": "10,000 Anniversary Bonus Miles",
     "description": "Earn 10,000 bonus miles automatically on each account anniversary. Miles are worth 1.7¢ each when redeemed via Capital One Travel.",
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     "annualValue": 170,
     "perCycleCap": 170,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
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     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
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   "status": [
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     "name": "Priority Pass Membership",
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     "annualValue": 100,
     "perCycleCap": 100,
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     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
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     "verifiedCredit": false,
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     "spendRequirement": 75000,
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    {
     "name": "Capital One Lounge Access",
     "description": "Unlimited access to Capital One Lounges at DFW, IAD, DEN, and partner locations. Guest policy: 2 guests free with $75,000+ annual spend.",
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     "annualValue": 200,
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     "cycle": "annual",
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     "resetsOn": "cardmember-year",
     "requiresActivation": false,
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     "name": "Cell Phone Protection",
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    {
     "name": "Trip Delay Reimbursement",
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     "perCycleCap": 50,
     "cycle": "annual",
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     "requiresActivation": false,
     "verifiedCredit": false,
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    {
     "name": "Lost Luggage Reimbursement",
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     "annualValue": 50,
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     "cycle": "annual",
     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
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   "slug": "capital-one-ventureone-rewards",
   "name": "Capital One VentureOne Rewards",
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     "rate": 5,
     "scope": "portal",
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    {
     "category": "Car Rental (C1Travel)",
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     "scope": "portal",
     "portalOnly": false
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    {
     "category": "Other",
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     "rate": 1.25,
     "scope": "brand",
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   ],
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   "perks": [
    {
     "name": "Capital One Travel Price Drop Protection",
     "description": "Free price drop protection through Capital One Travel — up to $50 statement credit if a booked fare drops within 10 days of booking (limit $50 per covered booking, up to 3 credits per year)",
     "type": "multiple",
     "annualValue": 150,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 150
    },
    {
     "name": "No Foreign Transaction Fees",
     "description": "No foreign transaction fees when making purchases outside the United States",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "24/7 Travel Assistance Services",
     "description": "24/7 roadside and travel assistance services available when you're on the road or traveling, including towing referrals, emergency message service, and lost luggage assistance (service fees may apply)",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Complimentary Concierge Service",
     "description": "Complimentary personalized assistance with dining, entertainment and travel arrangements — 24 hours a day, 365 days a year",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Virtual Card Numbers",
     "description": "Pay for online purchases using virtual card numbers generated through Eno, Capital One's assistant, to keep your actual card number private",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "CreditWise Credit Monitoring",
     "description": "Free credit monitoring service that alerts you when your TransUnion or Experian credit report changes — available to all Capital One cardholders",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [],
   "protection": [
    {
     "name": "Travel Accident Insurance",
     "description": "Automatic travel accident insurance for a covered loss at no extra charge when you use your credit card to purchase your fare",
     "type": "insurance",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Extended Warranty",
     "description": "Extended warranty protection at no charge on eligible items purchased with your credit card, doubling the original manufacturer's or store-brand warranty (up to one additional year on warranties of three years or less)",
     "type": "insurance",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 8,
   "upstreamUpdated": "2026-04-18",
   "url": "https://uscreditcardrewards.com/cards/capital-one-ventureone-rewards"
  },
  {
   "slug": "cathay-world-elite-mastercard",
   "name": "Cathay World Elite Mastercard",
   "issuer": "Synchrony Bank",
   "issuerSlug": "synchrony-bank",
   "issuerSite": "https://www.synchrony.com",
   "annualFee": 99,
   "network": "Mastercard",
   "currency": "Asia Miles",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/cathay-world-elite-mastercard.webp",
   "exploreCategory": "airline",
   "welcomeBonus": {
    "headline": "38,000 bonus Asia Miles",
    "requirement": "Spend $3,000 in the first 90 days"
   },
   "earn": [
    {
     "category": "Cathay Pacific",
     "type": "travel",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 2
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Flight Discount Code",
     "description": "Use promo code CXSYF15OFF when booking flights on cathaypacific.com and pay with your Cathay World Elite Mastercard to receive up to 15% savings on eligible flights. Valid through December 31, 2026.",
     "type": "other",
     "annualValue": 100,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 100
    },
    {
     "name": "Asia Miles Redemption Discount",
     "description": "Receive 10% discount when redeeming Asia Miles for hotels (60,000+ properties), car rentals (20+ countries), and experience awards via travel.asiamiles.com.",
     "type": "other",
     "annualValue": 50,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 50
    },
    {
     "name": "Status Points Earning",
     "description": "Earn 10 Cathay status points for every $5,000 spent with the card per month, up to a maximum of 100 status points per year. Status points help you achieve and maintain Cathay membership tiers (Green, Silver, Gold, Diamond).",
     "type": "other",
     "annualValue": 50,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 50
    },
    {
     "name": "Miles Gift & Transfer Discount",
     "description": "Save 10% on fees when gifting or transferring Asia Miles to family and friends.",
     "type": "other",
     "annualValue": 20,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 20
    }
   ],
   "status": [
    {
     "name": "Priority Check-in",
     "description": "Access to Cathay Pacific's Premium Economy class airport check-in counters for cardholders and travel companions when flying Cathay Pacific.",
     "type": "status",
     "annualValue": 20,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Priority Boarding",
     "description": "Priority boarding access in the Premium Economy class boarding line when flying Cathay Pacific.",
     "type": "status",
     "annualValue": 15,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 6,
   "upstreamUpdated": "2026-01-19",
   "url": "https://uscreditcardrewards.com/cards/cathay-world-elite-mastercard"
  },
  {
   "slug": "chase-aeroplan-card",
   "name": "Chase Aeroplan Card",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 195,
   "network": "Mastercard",
   "currency": "Aeroplan Points",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-aeroplan-card.webp",
   "exploreCategory": "airline",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Dining",
     "type": "dining",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "AirCanada",
     "type": "travel",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Travel",
     "type": "travel",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 3
    },
    "grocery": {
     "category": "Grocery",
     "rate": 3
    },
    "travel": {
     "category": "Travel",
     "rate": 3
    },
    "gas": {
     "category": "Gas",
     "rate": 2
    }
   },
   "credits": [
    {
     "name": "$50 Semi-Annual Air Canada Credit",
     "description": "Up to $50 in statement credits for eligible Air Canada purchases from January through June and again from July through December, for a maximum of $100 annually. For the remainder of 2026 a single $50 credit applies (September 10 – December 31, 2026).",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 50,
     "cycle": "semi-annual",
     "cycleLabel": "Twice a year",
     "timesPerYear": 2,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Global Entry or TSA PreCheck or NEXUS Fee Credit",
     "description": "You will receive one statement credit every four years (up to $120) after the first program (either Global Entry or TSA PreCheck® or NEXUS) application fee is charged to your Chase Aeroplan Card, by you or an authorized user.",
     "type": "onetime",
     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 130,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Monthly Bonus Points",
     "description": "Through December 31, 2026 only: you, as the primary cardmember, earn 500 bonus points for each $2,000 spent each calendar month on up to $6,000 in purchases (up to 1,500 bonus points per calendar month). This benefit is discontinued after 12/31/2026.",
     "type": "multiple",
     "annualValue": 180,
     "perCycleCap": 15,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 6000,
     "isWelcome": false,
     "estimatedValue": 180
    },
    {
     "name": "Complimentary DashPass",
     "description": "When the membership is activated for the first time with a Chase Aeroplan Card between 02/01/2025 and 12/31/2027, you will receive 12 months of complimentary DashPass on both the DoorDash and Caviar apps ($120/year value). Members who enroll on or after 09/01/2026 also get $10 off one eligible non-restaurant DoorDash order each month through 12/31/2027.",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 120,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 120
    },
    {
     "name": "Free First Checked Bags",
     "description": "You, as the primary cardmember, and up to eight (8) other passengers traveling on the same reservation (up to a maximum of nine (9) travelers), are each entitled to a free first checked bag up to 50lb. Benefit only applies when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand.",
     "type": "multiple",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "15% Off Air Canada Flight Redemptions (FLY15OFF)",
     "description": "Save 15% on the base fare in points of eligible Air Canada flight rewards booked with Aeroplan points on one-way itineraries that include at least one flight operated by Air Canada, Air Canada Rouge or Air Canada Express. Applied automatically when your Aeroplan account is linked to the card.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "10% Bonus on Ultimate Rewards Point Transfers",
     "description": "Through December 31, 2026 only: if you also hold an eligible Chase Ultimate Rewards card, receive a 10% bonus after transferring 50,000 or more Ultimate Rewards points in a single transaction to Aeroplan, up to 25,000 bonus points per calendar year. This benefit is discontinued after 12/31/2026.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Hotel Fourth Night Free",
     "description": "Redeem Aeroplan points for four consecutive nights at participating hotels through the Aeroplan travel program and the fourth night is free (averaged points value of the stay).",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Car Rental Fourth Day Free",
     "description": "Starting January 2027, book a four-day rental in a single reservation with Aeroplan points at more than 11,000 participating car rental locations worldwide and the fourth day is free.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [
    {
     "name": "Aeroplan 35K Status with $75,000 Spend",
     "description": "Each calendar year you spend at least $75,000 in purchases on your Chase Aeroplan Card, you, as the primary cardmember, will be granted Aeroplan 35K Status for the remainder of that calendar year and for the next calendar year.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 75000,
     "isWelcome": false
    },
    {
     "name": "Automatic Aeroplan 25K Status",
     "description": "You, as the primary cardmember, receive Aeroplan 25K Status automatically for as long as your Chase Aeroplan Card account remains open and in good standing, with no spending requirement. Includes Priority Check-In, Priority Boarding (Zone 2), Additional Baggage Allowance, Star Alliance Recognition and eUpgrade Credits. If you have earned a higher status by other means, you retain the higher status.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Annual Status Qualifying Credits",
     "description": "5,000 Status Qualifying Credits (SQC) deposited to your Aeroplan account when the card is opened and by the end of February every year thereafter, plus 10,000 SQC after $25,000 and another 10,000 SQC after $50,000 in purchases each calendar year. Combined maximum of 25,000 SQC per calendar year across all Aeroplan credit cards.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 50000,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 12,
   "upstreamUpdated": "2026-09-18",
   "url": "https://uscreditcardrewards.com/cards/chase-aeroplan-card"
  },
  {
   "slug": "chase-amazon-visa",
   "name": "Chase Amazon Visa",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 0,
   "network": "Visa",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-amazon-visa.webp",
   "exploreCategory": "everyday",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Amazon",
     "type": "other",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "WholeFood",
     "type": "grocery",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Travel (ChaseTravel)",
     "type": "travel",
     "rate": 3,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Transit",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 3,
   "bestGeneral": {
    "gas": {
     "category": "Gas",
     "rate": 2
    },
    "travel": {
     "category": "Transit",
     "rate": 2
    },
    "dining": {
     "category": "Dining",
     "rate": 2
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Contactless Payment",
     "description": "Fast, easy and secure checkout - just tap to pay where you see the Contactless symbol",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [],
   "protection": [
    {
     "name": "Purchase Protection",
     "description": "Covers eligible new purchases for 120 days from purchase date against damage or theft",
     "type": "insurance",
     "annualValue": 500,
     "perCycleCap": 500,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Extended Warranty Protection",
     "description": "Extends manufacturer U.S. warranty by additional year, on eligible warranties of 3 years or less, up to 4 years from purchase date",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Auto Rental Coverage",
     "description": "Coverage provides reimbursement for theft and collision damage for most rental vehicles when you decline rental company collision insurance",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Baggage Delay Insurance",
     "description": "Reimburses up to $100/day for up to 3 days for essential purchases when baggage delayed over 6 hours",
     "type": "insurance",
     "annualValue": 100,
     "perCycleCap": 300,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Zero Liability Protection",
     "description": "You won't be held responsible for unauthorized charges made with your card or account information",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Lost Luggage Reimbursement",
     "description": "Reimbursement for cost to repair or replace checked/carry-on baggage that is lost, damaged or stolen during covered trip",
     "type": "insurance",
     "annualValue": 3000,
     "perCycleCap": 3000,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Travel Accident Insurance",
     "description": "Accidental death or dismemberment coverage when you pay for transportation with your card",
     "type": "insurance",
     "annualValue": 500000,
     "perCycleCap": 500000,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 8,
   "upstreamUpdated": "2025-06-29",
   "url": "https://uscreditcardrewards.com/cards/chase-amazon-visa"
  },
  {
   "slug": "chase-british-airways-visa-signature",
   "name": "Chase British Airways Visa Signature",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 95,
   "network": "Visa",
   "currency": "British Airways Avios",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-british-airways-visa-signature.webp",
   "exploreCategory": "airline",
   "welcomeBonus": {
    "headline": "Earn 75,000 Avios",
    "requirement": "Spend $5,000 in 3 months"
   },
   "earn": [
    {
     "category": "Airlines",
     "type": "travel",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Hotels",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "travel": {
     "category": "Airlines",
     "rate": 3
    }
   },
   "credits": [
    {
     "name": "Reward Flight Statement Credit",
     "description": "$100 statement credit for Economy/Premium Economy reward flights, or $200 for Business/First Class reward flights on British Airways. Earned up to 3 times per calendar year (max $600/year). Applies when booking a Reward Flight and paying taxes/fees/carrier charges with the card.",
     "type": "multiple",
     "annualValue": 300,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 300,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Travel Together Ticket",
     "description": "Earned each calendar year you spend $30,000 on the card. Add a companion on the same British Airways, Iberia, or Aer Lingus reward flight — companion only pays taxes and fees. Alternatively, use it for a 50% Avios discount on a reward flight. Valid for 2 years from date of issue.",
     "type": "onetime",
     "annualValue": 500,
     "perCycleCap": 500,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 30000,
     "isWelcome": false,
     "estimatedValue": 500
    },
    {
     "name": "10% Off British Airways Flights",
     "description": "10% discount on British Airways flights originating in the U.S. when booked through the BA/Chase booking link.",
     "type": "other",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 100
    }
   ],
   "status": [],
   "protection": [
    {
     "name": "Purchase Protection",
     "description": "Covers new purchases for up to 120 days against damage or theft, up to $500 per item.",
     "type": "insurance",
     "annualValue": 30,
     "perCycleCap": 30,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Extended Warranty",
     "description": "Adds 1 extra year to eligible U.S. manufacturer warranties of 3 years or less.",
     "type": "insurance",
     "annualValue": 15,
     "perCycleCap": 15,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Travel Accident Insurance",
     "description": "Up to $250,000 in travel accident insurance when travel is purchased with the card.",
     "type": "insurance",
     "annualValue": 20,
     "perCycleCap": 20,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Lost Luggage Insurance",
     "description": "Up to $3,000 per covered traveler for lost, damaged, or stolen baggage when travel is purchased with the card.",
     "type": "insurance",
     "annualValue": 25,
     "perCycleCap": 25,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Baggage Delay Insurance",
     "description": "Up to $100 per day for up to 3 days if checked bag is delayed 6 or more hours. Covers essential purchases.",
     "type": "insurance",
     "annualValue": 15,
     "perCycleCap": 15,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Auto Rental Collision Damage Waiver",
     "description": "Secondary coverage for rental car collision or theft damage. Primary coverage when your personal auto insurance does not cover international rentals.",
     "type": "insurance",
     "annualValue": 75,
     "perCycleCap": 75,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 9,
   "upstreamUpdated": "2026-03-31",
   "url": "https://uscreditcardrewards.com/cards/chase-british-airways-visa-signature"
  },
  {
   "slug": "chase-disney-inspire",
   "name": "Chase Disney Inspire",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 149,
   "network": "Visa",
   "currency": "Disney Rewards Dollars",
   "currencyFamily": "store",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-disney-inspire.webp",
   "exploreCategory": "others",
   "welcomeBonus": {
    "headline": "$300 Disney Gift Card + $300 statement credit",
    "requirement": "$300 gift card upon approval + $300 statement credit after $1,000 spend in 3 months"
   },
   "earn": [
    {
     "category": "Disney Streaming",
     "type": "streaming",
     "rate": 10,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Disney",
     "type": "merchant",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "gas": {
     "category": "Gas",
     "rate": 3
    },
    "grocery": {
     "category": "Grocery",
     "rate": 2
    },
    "dining": {
     "category": "Dining",
     "rate": 2
    }
   },
   "credits": [
    {
     "name": "$200 Disney Resort & Cruise Credit",
     "description": "Earn 200 Disney Rewards Dollars after spending $2,000 on U.S. Disney resort stays and Disney Cruise Line bookings per cardmember anniversary year. Redeemable toward park tickets, resort stays, shopping, dining, cruise packages.",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$120 Disney Streaming Credit",
     "description": "Up to $120 annual statement credit for Disney+, Hulu, and ESPN+ subscription purchases made with the card. Credits applied automatically when you pay for these streaming services.",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 120,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$100 Theme Park Ticket Credit",
     "description": "$100 statement credit automatically applied after spending $200 or more in qualifying purchases on U.S. Disney theme park tickets (individual tickets or annual passes qualify) per cardmember anniversary year.",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 420,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Disney Merchandise & Dining Discount",
     "description": "10% off select merchandise, dining, and recreation at Disney parks. 15% off select guided tours at Walt Disney World and Disneyland resorts.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Cardmember Character Photo Opportunities",
     "description": "Cardmember-exclusive character photo opportunities at Walt Disney World Resort and Disneyland Resort.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [],
   "protection": [],
   "benefitCount": 5,
   "upstreamUpdated": "2026-04-12",
   "url": "https://uscreditcardrewards.com/cards/chase-disney-inspire"
  },
  {
   "slug": "chase-disney-inspire-visa",
   "name": "Chase Disney Inspire Visa",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 149,
   "network": "Visa",
   "currency": "Disney Rewards Dollars",
   "currencyFamily": "store",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-disney-inspire-visa.webp",
   "exploreCategory": "others",
   "welcomeBonus": {
    "headline": "$300 Disney Gift Card upon approval + $300 statement credit",
    "requirement": "Spend $1,000 in first 3 months"
   },
   "earn": [
    {
     "category": "Disney Streaming",
     "type": "streaming",
     "rate": 10,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Disney",
     "type": "merchant",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "gas": {
     "category": "Gas",
     "rate": 3
    },
    "grocery": {
     "category": "Grocery",
     "rate": 2
    },
    "dining": {
     "category": "Dining",
     "rate": 2
    }
   },
   "credits": [
    {
     "name": "$10 Monthly Disney Streaming Credit",
     "description": "Earn a $10 monthly statement credit after spending $10 or more directly at DisneyPlus.com, Hulu.com, or Plus.ESPN.com each statement period. Up to $120 in statement credits annually. Yearly enrollment/activation required through your Chase account.",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 10,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Disney Theme Park Ticket Credit",
     "description": "Earn a $100 statement credit each anniversary year after spending at least $200 directly with Disney on U.S. Disney Theme Park Tickets, Walt Disney World Annual Passes, or Disneyland Magic Key passes. Excludes purchases made through third-party resellers.",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 220,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Disney Resort & Cruise Anniversary Bonus",
     "description": "Earn 200 Disney Rewards Dollars after spending $2,000 each anniversary year on U.S. Disney Resort stays and Disney Cruise Line bookings made directly with Disney. Disney Rewards Dollars are worth $1 each and can be redeemed for Disney experiences or via Pay Yourself Back.",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 200
    },
    {
     "name": "Complimentary DashPass",
     "description": "Receive 12 months of complimentary DashPass membership for both DoorDash and Caviar (must activate by 12/31/2027). After activation, get $0 delivery fees and reduced service fees on eligible orders, plus $10 quarterly off non-restaurant orders through 2027.",
     "type": "other",
     "annualValue": 120,
     "perCycleCap": 120,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 120
    },
    {
     "name": "Disney Guided Tours Discount",
     "description": "15% off the non-discounted price of select guided tours at the Disneyland Resort and Walt Disney World Resort when using your Disney Inspire Visa Card to pay.",
     "type": "other",
     "annualValue": 15,
     "perCycleCap": 15,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 15
    },
    {
     "name": "Disney Parks Merchandise Discount",
     "description": "10% off select merchandise purchases at select locations at the Disneyland Resort and Walt Disney World Resort when using your Disney Inspire Visa Card. Excludes select merchandise.",
     "type": "other",
     "annualValue": 10,
     "perCycleCap": 10,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 10
    },
    {
     "name": "Disney Dining Discount",
     "description": "10% off select dining locations most days at the Disneyland Resort and Walt Disney World Resort when using your Disney Inspire Visa Card. Excludes select restaurants and special events.",
     "type": "other",
     "annualValue": 10,
     "perCycleCap": 10,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 10
    },
    {
     "name": "Disney Store Discount",
     "description": "10% off select purchases at DisneyStore.com when using your Disney Inspire Visa Card. Use promo code DRVCMEMBER online. Excludes select merchandise.",
     "type": "other",
     "annualValue": 10,
     "perCycleCap": 10,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 10
    },
    {
     "name": "Disney Cardmember Photo Opportunities",
     "description": "Exclusive private Cardmember photo opportunities with Disney and Star Wars characters at private Cardmember locations at Disneyland Resort and Walt Disney World Resort. Free for Cardmembers and accompanying guests.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Disney Vacation Financing",
     "description": "0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, when booked directly with Disney using your Disney Inspire Visa Card. After the promotional period a variable APR applies.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "No Foreign Transaction Fees",
     "description": "No foreign transaction fees on purchases made outside the United States.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [],
   "protection": [
    {
     "name": "Purchase Protection",
     "description": "Covers eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item, with a maximum of $50,000 per account. Coverage is excess of any other applicable insurance.",
     "type": "insurance",
     "annualValue": 100,
     "perCycleCap": 500,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Extended Warranty Protection",
     "description": "Extends the time period of the U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less. Provides repair, replacement, or reimbursement up to the original purchase price.",
     "type": "insurance",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Baggage Delay Insurance",
     "description": "Reimburses up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed by a passenger carrier for more than 6 hours. Coverage applies to the cardmember and immediate family members.",
     "type": "insurance",
     "annualValue": 100,
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     "cycleLabel": "Once a year",
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   ],
   "benefitCount": 14,
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   "url": "https://uscreditcardrewards.com/cards/chase-disney-inspire-visa"
  },
  {
   "slug": "chase-disney-premier-visa-card",
   "name": "Chase Disney Premier Visa Card",
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   "currency": "Disney Rewards Dollars",
   "currencyFamily": "store",
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   "image": "/card-art/chase-disney-premier-visa-card.webp",
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    {
     "category": "Disney Streaming",
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    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 2,
     "scope": "general",
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    },
    {
     "category": "Grocery",
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    },
    {
     "category": "Dining",
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    {
     "category": "Disney",
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    {
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   ],
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     "category": "Gas",
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    "dining": {
     "category": "Dining",
     "rate": 2
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   },
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   "perks": [
    {
     "name": "Complimentary DashPass",
     "description": "Receive 12 months of complimentary DashPass membership for both DoorDash and Caviar when activated between 02/01/2025 and 12/31/2027. Plus earn up to $10 off quarterly on non-restaurant DoorDash orders. Must activate by Dec 31, 2027.",
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     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 120
    },
    {
     "name": "Disney Guided Tours Discount",
     "description": "15% off the non-discounted price of select guided tours at Disneyland Resort and Walt Disney World Resort when using your Disney Premier Visa Card. Includes tours like Keys to the Kingdom, Behind the Seeds, Wild Africa Trek, and seasonal offerings.",
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     "annualValue": 15,
     "perCycleCap": 15,
     "cycle": "annual",
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     "verifiedCredit": false,
     "conditional": false,
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     "isWelcome": false,
     "estimatedValue": 15
    },
    {
     "name": "Disney Cruise Merchandise Discount",
     "description": "10% off select merchandise purchases aboard Disney Cruise Line ships when using your Disney Premier Visa Card. Excludes Port Adventures, photos, fine jewelry, gift cards, and alcohol. Valid for sailings through 12/31/25.",
     "type": "other",
     "annualValue": 10,
     "perCycleCap": 10,
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     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
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     "estimatedValue": 10
    },
    {
     "name": "Disney Dining Discount",
     "description": "10% off select dining locations at Disneyland Resort and Walt Disney World Resort when using your Disney Premier Visa Card. Valid at participating table-service restaurants. Excludes alcoholic beverages, tax, and gratuity.",
     "type": "other",
     "annualValue": 10,
     "perCycleCap": 10,
     "cycle": "annual",
     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
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     "verifiedCredit": false,
     "conditional": false,
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     "isWelcome": false,
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    {
     "name": "Disney Parks Merchandise Discount",
     "description": "10% off select merchandise purchases at select locations at Disneyland Resort and Walt Disney World Resort when using your Disney Premier Visa Card. Must mention the offer and use card for full payment. Excludes ticket media, gift cards, and many specialty items.",
     "type": "other",
     "annualValue": 10,
     "perCycleCap": 10,
     "cycle": "annual",
     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
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     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 10
    },
    {
     "name": "Disney Store Discount",
     "description": "10% off select purchases at DisneyStore.com when using your Disney Premier Visa Card. Use promo code DRVCMEMBER online. Valid on select in-stock merchandise, excludes Disney Theme Park Tickets, Disney Gift Cards, and various branded items.",
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     "annualValue": 10,
     "perCycleCap": 10,
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     "resetsOn": "cardmember-year",
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     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
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    },
    {
     "name": "Pay Yourself Back - Airlines",
     "description": "Use Pay Yourself Back to redeem Disney Rewards Dollars for a statement credit toward airline purchases made directly with the airline using your Disney Premier Visa Card. Includes airline travel to any destination, on any airline with no block-out dates.",
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     "annualValue": 0,
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    {
     "name": "Disney Vacation Financing",
     "description": "0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 18.24%-27.24%. Must be booked through Walt Disney Travel Company, Disney Cruise Line or Adventures by Disney Travel Services.",
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    {
     "name": "No Foreign Transaction Fees",
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    {
     "name": "Disney Cardmember Photo Opportunities",
     "description": "Exclusive photo opportunities with Disney and Star Wars characters at private Cardmember locations at Disneyland Resort and Walt Disney World Resort. Includes complimentary downloads of Disney PhotoPass photos. Up to 6 people per cardmember account, once per day.",
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    {
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    {
     "name": "Purchase Protection",
     "description": "Covers eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item. Coverage period is 90 days for New York residents.",
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     "annualValue": 500,
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    },
    {
     "name": "Baggage Delay Insurance",
     "description": "Reimburses up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.",
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     "perCycleCap": 300,
     "cycle": "annual",
     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
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     "verifiedCredit": false,
     "conditional": false,
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    }
   ],
   "benefitCount": 13,
   "upstreamUpdated": "2025-06-29",
   "url": "https://uscreditcardrewards.com/cards/chase-disney-premier-visa-card"
  },
  {
   "slug": "chase-freedom-legacy",
   "name": "Chase Freedom (Legacy)",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 0,
   "network": "Visa",
   "currency": "Chase Ultimate Rewards Points",
   "currencyFamily": "transferable",
   "foreignTransactionFee": true,
   "image": "/card-art/chase-freedom-legacy.webp",
   "exploreCategory": "everyday",
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   "earn": [
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     "category": "Gas",
     "type": "gas",
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     "portalOnly": false
    },
    {
     "category": "Transit",
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    {
     "category": "EV Charging",
     "type": "gas",
     "rate": 5,
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     "portalOnly": false
    },
    {
     "category": "Entertainment",
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     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Travel (ChaseTravel)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
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    {
     "category": "Other",
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     "rate": 1,
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   ],
   "baseRate": 1,
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   },
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    {
     "name": "Purchase Protection",
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   ],
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  {
   "slug": "chase-freedom-flex",
   "name": "Chase Freedom Flex",
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   "issuerSlug": "chase",
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   "network": "Mastercard",
   "currency": "Chase Ultimate Rewards Points",
   "currencyFamily": "transferable",
   "foreignTransactionFee": true,
   "image": "/card-art/chase-freedom-flex.webp",
   "exploreCategory": "featured",
   "welcomeBonus": {
    "headline": "$200 Cash Bonus",
    "requirement": " Spend $500 in the first 3 months"
   },
   "earn": [
    {
     "category": "Travel (ChaseTravel)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Transit",
     "type": "travel",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "EV Charging",
     "type": "gas",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Entertainment",
     "type": "entertainment",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Drugstore",
     "type": "other",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 3,
   "bestGeneral": {
    "gas": {
     "category": "Gas",
     "rate": 5
    },
    "travel": {
     "category": "Transit",
     "rate": 5
    },
    "dining": {
     "category": "Dining",
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   },
   "credits": [],
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  },
  {
   "slug": "chase-freedom-rise",
   "name": "Chase Freedom Rise",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 0,
   "network": "Visa",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": true,
   "image": "/card-art/chase-freedom-rise.webp",
   "exploreCategory": "everyday",
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   "earn": [
    {
     "category": "Lyft",
     "type": "travel",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1.5,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1.5,
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   "perks": [
    {
     "name": "DashPass Complimentary Membership",
     "description": "Get 6 months of complimentary access to DashPass– a membership for both DoorDash and Caviar – which unlocks $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027.",
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     "annualValue": 120,
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     "cycleLabel": "Once a year",
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     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
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     "estimatedValue": 120
    },
    {
     "name": "DoorDash Quarterly Discount",
     "description": "DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027. Discount applies to subtotal only; does not apply to fees, taxes, and gratuity.",
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     "annualValue": 40,
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     "verifiedCredit": false,
     "conditional": false,
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     "estimatedValue": 40
    },
    {
     "name": "Automatic Payments Bonus",
     "description": "Earn a $25 statement credit when you sign up for automatic payments within the first three months of opening your account and remain enrolled for at least 90 days. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.",
     "type": "onetime",
     "annualValue": 25,
     "perCycleCap": 25,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 25
    }
   ],
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    {
     "name": "Purchase Protection",
     "description": "Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item. Restrictions, limitations and exclusions apply.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": 500,
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     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
     "requiresActivation": false,
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    },
    {
     "name": "Extended Warranty Protection",
     "description": "Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase. Restrictions, limitations and exclusions apply.",
     "type": "insurance",
     "annualValue": 0,
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     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
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    },
    {
     "name": "Trip Cancellation and Interruption Insurance",
     "description": "You can be reimbursed up to $1,500 per covered traveler and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather or other covered situations. Restrictions, limitations and exclusions apply.",
     "type": "insurance",
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     "perCycleCap": 1500,
     "cycle": "annual",
     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
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     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
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    }
   ],
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  },
  {
   "slug": "chase-freedom-unlimited",
   "name": "Chase Freedom Unlimited",
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   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
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   "network": "Visa",
   "currency": "Chase Ultimate Rewards Points",
   "currencyFamily": "transferable",
   "foreignTransactionFee": true,
   "image": "/card-art/chase-freedom-unlimited.webp",
   "exploreCategory": "featured",
   "welcomeBonus": {
    "headline": "$250 Cash Bonus",
    "requirement": "Spend $500 in the first 3 months"
   },
   "earn": [
    {
     "category": "Travel (ChaseTravel)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": true
    },
    {
     "category": "Drugstore",
     "type": "other",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
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    {
     "category": "Other",
     "type": "other",
     "rate": 1.5,
     "scope": "brand",
     "portalOnly": false
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   ],
   "baseRate": 3,
   "bestGeneral": {
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   },
   "credits": [
    {
     "name": "$40 Annual DoorDash Credits",
     "description": "Get up to $10 off quarterly on non-restaurant DoorDash orders as a DashPass member through Dec 31, 2027",
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     "annualValue": 40,
     "perCycleCap": 10,
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     "resetsOn": "cardmember-year",
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     "conditional": false,
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    }
   ],
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   "perks": [
    {
     "name": "6 Months Free DashPass",
     "description": "Get 6 months of complimentary access to DashPass – a membership for both DoorDash and Caviar – which unlocks $0 delivery fees and lower service fees on eligible orders",
     "type": "multiple",
     "annualValue": 60,
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     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
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   ],
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   "benefitCount": 2,
   "upstreamUpdated": "2025-06-08",
   "url": "https://uscreditcardrewards.com/cards/chase-freedom-unlimited"
  },
  {
   "slug": "chase-hyatt",
   "name": "Chase Hyatt",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 95,
   "network": "Visa",
   "currency": "World of Hyatt Points",
   "currencyFamily": "hotel",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-hyatt.webp",
   "exploreCategory": "hotel",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Hyatt",
     "type": "travel",
     "rate": 4,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Airlines",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Transit",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": true
    },
    {
     "category": "Gym",
     "type": "other",
     "rate": 2,
     "scope": "brand",
     "portalOnly": true
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 2,
   "bestGeneral": {
    "travel": {
     "category": "Airlines",
     "rate": 2
    },
    "dining": {
     "category": "Dining",
     "rate": 2
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Tier Qualifying Nights",
     "description": "5 tier qualifying night credits annually, plus 2 more for every $5,000 spent",
     "type": "multiple",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 50
    },
    {
     "name": "Complimentary DashPass",
     "description": "12 months of complimentary DashPass membership plus $10 quarterly credit for non-restaurant orders",
     "type": "multiple",
     "annualValue": 40,
     "perCycleCap": 10,
     "cycle": "quarterly",
     "cycleLabel": "Quarterly",
     "timesPerYear": 4,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 40
    }
   ],
   "status": [
    {
     "name": "Discoverist Status",
     "description": "Automatic World of Hyatt Discoverist elite status",
     "type": "status",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Annual Free Night",
     "description": "One free night at Category 1-4 Hyatt hotels every cardmember anniversary",
     "type": "status",
     "annualValue": 150,
     "perCycleCap": 150,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 4,
   "upstreamUpdated": "2025-05-26",
   "url": "https://uscreditcardrewards.com/cards/chase-hyatt"
  },
  {
   "slug": "chase-hyatt-business",
   "name": "Chase Hyatt Business",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 199,
   "network": "Visa",
   "currency": "World of Hyatt Points",
   "currencyFamily": "hotel",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-hyatt-business.webp",
   "exploreCategory": "hotel",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Hyatt",
     "type": "travel",
     "rate": 4,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Airlines",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Transit",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Advertising (Social Media & Search)",
     "type": "business",
     "rate": 2,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Shipping",
     "type": "business",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Gym",
     "type": "other",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 2,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 2
    },
    "travel": {
     "category": "Airlines",
     "rate": 2
    },
    "gas": {
     "category": "Gas",
     "rate": 2
    }
   },
   "credits": [
    {
     "name": "$100 Hyatt Credit",
     "description": "Earn up to $100 in Hyatt statement credits each anniversary year. Spend $50 or more at any Hyatt property and receive a $50 statement credit, up to two times per anniversary year (once each half). Purchases must be made directly with Hyatt.",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 50,
     "cycle": "semi-annual",
     "cycleLabel": "Twice a year",
     "timesPerYear": 2,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 100,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "5 Tier-Qualifying Night Credits per $10k",
     "description": "Earn 5 tier-qualifying night credits toward World of Hyatt elite status for every $10,000 spent on the card each calendar year, helping you reach Explorist or Globalist faster.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "No Foreign Transaction Fees",
     "description": "Pay no foreign transaction fees on purchases made outside the United States.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [
    {
     "name": "World of Hyatt Discoverist Status",
     "description": "Complimentary World of Hyatt Discoverist elite status for as long as you remain a cardmember. Includes premium internet, 2pm late checkout, waived resort fees on award stays, a 10% points bonus on eligible spend, and preferred rooms at check-in.",
     "type": "status",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 4,
   "upstreamUpdated": "2026-08-04",
   "url": "https://uscreditcardrewards.com/cards/chase-hyatt-business"
  },
  {
   "slug": "chase-ihg-business",
   "name": "Chase IHG Business",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 99,
   "network": "Mastercard",
   "currency": "IHG One Rewards Points",
   "currencyFamily": "hotel",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-ihg-business.webp",
   "exploreCategory": "hotel",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "IHG",
     "type": "travel",
     "rate": 10,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Travel",
     "type": "travel",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Advertising (Social Media & Search)",
     "type": "business",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Office Supply",
     "type": "business",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 3,
   "bestGeneral": {
    "travel": {
     "category": "Travel",
     "rate": 5
    },
    "dining": {
     "category": "Dining",
     "rate": 5
    },
    "gas": {
     "category": "Gas",
     "rate": 5
    }
   },
   "credits": [
    {
     "name": "Global Entry/TSA PreCheck Credit",
     "description": "You will receive one statement credit every four years (up to $120) after the first program (either Global Entry or TSA PreCheck or NEXUS) application fee is charged to your IHG One Rewards Premier Business Credit Card, by you or an authorized user.",
     "type": "onetime",
     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 30,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Additional Free Night",
     "description": "Earn an additional free Reward Night after you spend $60,000 on purchases each calendar year.",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 60000,
     "isWelcome": false,
     "estimatedValue": 200
    },
    {
     "name": "Anniversary Free Night",
     "description": "Anniversary Free Night will be available for redemption on your account anniversary date each year. Anniversary Free Night is valid at IHG Hotels and has a point redemption value of 40,000 points or less (covers one standard room night and tax only), with the ability to add on points from your IHG One Rewards account to redeem your Anniversary Free Night at hotels above the 40,000 point redemption level.",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 200
    },
    {
     "name": "Annual Spending Bonus",
     "description": "You will receive a $100 statement credit and 10,000 bonus points each calendar year during which you spend at least $20,000 in purchases.",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 20000,
     "isWelcome": false,
     "estimatedValue": 100
    },
    {
     "name": "Points Purchase Discount",
     "description": "Save at least 20% on points purchases when you pay for those points with your IHG One Rewards Premier, Premier Business or Traveler Credit Cards.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Fourth Night Free",
     "description": "For each standard room Reward Night stay of 4 or more nights, every 4th night is free. Applies only to 4 or more consecutive nights within the same Reward Night point redemption room stay at the same property.",
     "type": "multiple",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [
    {
     "name": "Automatic Platinum Elite Status",
     "description": "As an IHG One Rewards Premier Business credit cardmember, you qualify for automatic IHG One Rewards Platinum Elite status for as long as you remain a Premier Business credit cardmember, and as long as your IHG One Rewards membership account remains in good standing.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Diamond Elite Status Qualification",
     "description": "Each calendar year you make purchases totaling $40,000 or more, you, as the primary cardmember, will qualify for Diamond Elite status through December 31st of the following year.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Purchase Protection",
     "description": "Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Trip Cancellation Insurance",
     "description": "If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 10,
   "upstreamUpdated": "2025-07-03",
   "url": "https://uscreditcardrewards.com/cards/chase-ihg-business"
  },
  {
   "slug": "chase-ihg-premier",
   "name": "Chase IHG Premier",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 99,
   "network": "Mastercard",
   "currency": "IHG One Rewards Points",
   "currencyFamily": "hotel",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-ihg-premier.webp",
   "exploreCategory": "hotel",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "IHG",
     "type": "travel",
     "rate": 10,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Travel",
     "type": "travel",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 3,
   "bestGeneral": {
    "travel": {
     "category": "Travel",
     "rate": 5
    },
    "dining": {
     "category": "Dining",
     "rate": 5
    },
    "gas": {
     "category": "Gas",
     "rate": 5
    }
   },
   "credits": [
    {
     "name": "Global Entry Credit",
     "description": "Up to $120 statement credit every 4 years for Global Entry, TSA PreCheck, or NEXUS application fee",
     "type": "onetime",
     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 30,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "United TravelBank Cash",
     "description": "Up to $50 United TravelBank Cash each year after registering card with MileagePlus account",
     "type": "other",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 50
    }
   ],
   "status": [
    {
     "name": "Platinum Elite Status",
     "description": "Automatic IHG One Rewards Platinum Elite status as long as you remain a cardmember",
     "type": "status",
     "annualValue": 150,
     "perCycleCap": 150,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Diamond Elite Status",
     "description": "Earn Diamond Elite status through December 31st of following year after spending $40,000 each calendar year",
     "type": "status",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 40000,
     "isWelcome": false
    },
    {
     "name": "4th Reward Night Free",
     "description": "Get the 4th night free when you redeem points for 4+ consecutive nights at the same IHG property",
     "type": "status",
     "annualValue": 100,
     "perCycleCap": 300,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Anniversary Free Night",
     "description": "Free night at IHG hotels up to 40,000 points value each cardmember anniversary, with ability to add points for higher category hotels",
     "type": "status",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 6,
   "upstreamUpdated": "2025-05-26",
   "url": "https://uscreditcardrewards.com/cards/chase-ihg-premier"
  },
  {
   "slug": "chase-ihg-select",
   "name": "Chase IHG Select",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 49,
   "network": "Visa",
   "currency": "IHG One Rewards Points",
   "currencyFamily": "hotel",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-ihg-select.webp",
   "exploreCategory": "hotel",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "IHG",
     "type": "travel",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 2
    },
    "gas": {
     "category": "Gas",
     "rate": 2
    },
    "grocery": {
     "category": "Grocery",
     "rate": 2
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Anniversary Free Night Certificate",
     "description": "Each year on your account anniversary, receive a Chase Anniversary Free Night certificate valid at any IHG property worldwide (subject to availability). Your first free night is not earned until after your first full year as a cardmember.",
     "type": "onetime",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 200
    },
    {
     "name": "10% Point Rebate on Redemptions",
     "description": "Receive a 10% rebate on points used for award redemptions, up to a maximum of 100,000 points back each calendar year (approximately $500 in value at 0.5 cpp).",
     "type": "multiple",
     "annualValue": 50,
     "perCycleCap": 500,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 50
    }
   ],
   "status": [
    {
     "name": "Platinum Elite Status",
     "description": "Automatically receive IHG One Rewards Platinum Elite status for as long as you remain a cardmember. Includes a 50% bonus on all qualifying stays and complimentary room upgrades subject to availability.",
     "type": "status",
     "annualValue": 150,
     "perCycleCap": 150,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 3,
   "upstreamUpdated": "2026-05-27",
   "url": "https://uscreditcardrewards.com/cards/chase-ihg-select"
  },
  {
   "slug": "chase-ihg-traveler",
   "name": "Chase IHG Traveler",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 0,
   "network": "Mastercard",
   "currency": "IHG One Rewards Points",
   "currencyFamily": "hotel",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-ihg-traveler.webp",
   "exploreCategory": "hotel",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "IHG",
     "type": "travel",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Internet, Cable & Phone Services",
     "type": "business",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Streaming Service",
     "type": "streaming",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 2,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 3
    },
    "gas": {
     "category": "Gas",
     "rate": 3
    },
    "streaming": {
     "category": "Streaming Service",
     "rate": 3
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Annual Spend Bonus",
     "description": "You will receive 10,000 bonus points each calendar year during which you spend at least $10,000 in purchases. Calendar year means January 1 through December 31 of that same year. After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.",
     "type": "multiple",
     "annualValue": 10000,
     "perCycleCap": 10000,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 10000,
     "isWelcome": false,
     "estimatedValue": 10000
    },
    {
     "name": "Points Purchase Discount",
     "description": "Save at least 20% on points purchases when you pay for those points with your IHG One Rewards Traveler Credit Card. Point purchase amounts are subject to change by IHG One Rewards. These points are Non-Elite Qualifying points. Upon completion of the points purchase, you agree that the total dollar price of the points, minus the discount, will be immediately charged to your credit card. The cost for the points purchased is non-refundable. The 20% discount cannot be combined with any other points purchase offer.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Early Access Reward Night Sales",
     "description": "As an IHG One Rewards credit cardmember, you are eligible for early access to Reward Night sales when offered by IHG. Reward Night sales offer a discount off the number of points needed to book a stay if using points only. If using Points & Cash, the discount will be applied to the cash portion. IHG will send communication of these sales via email and discounts will be available when booking three (3) or fewer consecutive Reward Nights at a participating hotel through IHG.com while signed into your IHG One Rewards account.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Redeem 3 Nights Get 4th Free",
     "description": "For each standard room Reward Night stay of 4 or more nights, every 4th night is free. Applies only to 4 or more consecutive nights within the same Reward Night point redemption room stay at the same property. With this benefit, eligible members will be charged the Reward Night point redemption rate for the first 3 nights, and 0 points for the 4th night of the stay, as applicable. If 4th Reward Night Free reservation is cancelled, or check-out occurs before the 4th night, the 4th Reward Night is forfeited and has no cash or point value. Members can utilize the 4th Reward Night Free benefit on an unlimited number of stays annually.",
     "type": "multiple",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [
    {
     "name": "Automatic Silver Elite Status",
     "description": "As an IHG One Rewards Traveler credit cardmember, you qualify for automatic IHG One Rewards Silver Elite status for as long as you remain a Traveler credit cardmember, and as long as your IHG One Rewards membership account remains in good standing. Please allow 6 to 8 weeks after account opening for the automatic Silver Elite status to be applied to your IHG One Rewards account.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Gold Elite Status Upgrade",
     "description": "Each Calendar Year you make purchases totaling $20,000 or more, you, as the primary cardmember, will qualify for Gold Elite Status through December 31 of the following year. Please allow up to 8 weeks after qualifying for the Gold Elite Status award to be applied to your IHG One Rewards account. To qualify for and maintain Gold Elite Status your account must be open and not in default.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Baggage Delay Insurance",
     "description": "Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours. These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are provided by unaffiliated companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements.",
     "type": "insurance",
     "annualValue": 300,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Lost Luggage Reimbursement",
     "description": "Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip. These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are provided by unaffiliated companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements.",
     "type": "insurance",
     "annualValue": 3000,
     "perCycleCap": 3000,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Purchase Protection",
     "description": "Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item. These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are provided by unaffiliated companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements.",
     "type": "insurance",
     "annualValue": 500,
     "perCycleCap": 500,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Trip Cancellation and Interruption Insurance",
     "description": "If your trip is canceled or cut short by sickness, severe weather or other covered situations, you can be reimbursed up to $5,000 per covered traveler and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels. These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are provided by unaffiliated companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements.",
     "type": "insurance",
     "annualValue": 10000,
     "perCycleCap": 5000,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 10,
   "upstreamUpdated": "2025-06-29",
   "url": "https://uscreditcardrewards.com/cards/chase-ihg-traveler"
  },
  {
   "slug": "chase-ink-business-cash",
   "name": "Chase Ink Business Cash",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 0,
   "network": "Visa",
   "currency": "Chase Ultimate Rewards Points",
   "currencyFamily": "transferable",
   "foreignTransactionFee": true,
   "image": "/card-art/chase-ink-business-cash.webp",
   "exploreCategory": "featured",
   "welcomeBonus": {
    "headline": "100,000 UR Points",
    "requirement": "Spend $8000 in the first 4 months"
   },
   "earn": [
    {
     "category": "Office Supply",
     "type": "business",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Internet, Cable & Phone Services",
     "type": "business",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "gas": {
     "category": "Gas",
     "rate": 2
    },
    "dining": {
     "category": "Dining",
     "rate": 2
    }
   },
   "credits": [
    {
     "name": "$20 Monthly Instacart Credit",
     "description": "Receive a $20 Instacart credit each month you have an active Instacart+ membership, when you pay with your eligible Ink card. Credit applies to one retailer per order on Instacart.com and excludes taxes, service and delivery fees, tips and special handling fees. Unused credit does not roll over to the next month. Enrollment required at instacart.com/p/chase-ink. Benefit valid through 2027-12-31.",
     "type": "multiple",
     "annualValue": 240,
     "perCycleCap": 20,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 240,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Instacart+ Membership (3 Months)",
     "description": "Complimentary 3-month Instacart+ membership: $0 delivery fees on grocery and retail orders of $10+, and Costco and eligible restaurant orders of $25+. Auto-renews at $99/year after the complimentary period unless cancelled. Enrollment required at instacart.com/p/chase-ink. Valued at approximately $25.",
     "type": "onetime",
     "annualValue": 25,
     "perCycleCap": 25,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 25
    }
   ],
   "status": [],
   "protection": [
    {
     "name": "Purchase Protection",
     "description": "Covers new purchases for 120 days against damage or theft up to $10,000 per claim",
     "type": "insurance",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Cell Phone Protection",
     "description": "Up to $600 per claim (up to $1,200 per year) for cell phone damage or theft when you pay monthly bill with card",
     "type": "insurance",
     "annualValue": 1200,
     "perCycleCap": 1200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Extended Warranty Protection",
     "description": "Extends manufacturer warranty by up to 1 additional year on eligible warranties of 3 years or less",
     "type": "insurance",
     "annualValue": 500,
     "perCycleCap": 500,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Travel Benefits",
     "description": "Trip cancellation/interruption insurance, baggage delay insurance, and auto rental collision damage waiver",
     "type": "insurance",
     "annualValue": 300,
     "perCycleCap": 300,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 6,
   "upstreamUpdated": "2025-05-26",
   "url": "https://uscreditcardrewards.com/cards/chase-ink-business-cash"
  },
  {
   "slug": "chase-ink-business-premier",
   "name": "Chase Ink Business Premier",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 195,
   "network": "Visa",
   "currency": "Chase Ultimate Rewards Points",
   "currencyFamily": "transferable",
   "foreignTransactionFee": true,
   "image": "/card-art/chase-ink-business-premier.webp",
   "exploreCategory": "business",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Large Purchase ($5,000+)",
     "type": "business",
     "rate": 2.5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 2,
   "bestGeneral": {},
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Travel and Emergency Assistance",
     "description": "Provides legal and medical referrals and access to other travel and emergency assistance services. Cardholder is responsible for the cost of any goods or services obtained.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Roadside Assistance",
     "description": "Roadside service fees will be billed to your card at time of dispatch.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [],
   "protection": [
    {
     "name": "Auto Rental Coverage",
     "description": "Primary coverage for business rentals, up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.",
     "type": "insurance",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Extended Warranty Protection",
     "description": "Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Purchase Protection",
     "description": "Covers eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.",
     "type": "insurance",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Cell Phone Protection",
     "description": "Up to $1,000 per claim in cell phone protection against covered theft or damage for cell phones listed on your monthly cell phone bill when you pay it with your eligible credit card. Maximum of 3 claims in a 12-month period with a $100 deductible per claim.",
     "type": "insurance",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 6,
   "upstreamUpdated": "2025-06-13",
   "url": "https://uscreditcardrewards.com/cards/chase-ink-business-premier"
  },
  {
   "slug": "chase-marriott-bonvoy-bold",
   "name": "Chase Marriott Bonvoy Bold",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 0,
   "network": "Visa",
   "currency": "Marriott Bonvoy Points",
   "currencyFamily": "hotel",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-marriott-bonvoy-bold.webp",
   "exploreCategory": "hotel",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Marriott",
     "type": "travel",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "DoorDash",
     "type": "dining",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Internet, Cable & Phone Services",
     "type": "business",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Transit",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Streaming Service",
     "type": "streaming",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "grocery": {
     "category": "Grocery",
     "rate": 2
    },
    "travel": {
     "category": "Transit",
     "rate": 2
    },
    "streaming": {
     "category": "Streaming Service",
     "rate": 2
    }
   },
   "credits": [
    {
     "name": "Earn Up to $10 Off Quarterly on DoorDash Non-Restaurant Orders",
     "description": "Once you have activated your Chase Marriott Bonvoy Bold Credit Card DashPass membership, you will receive a $10 off discount each calendar quarter at checkout on one qualifying non-restaurant order on DoorDash as long as you remain enrolled in a DashPass membership.",
     "type": "multiple",
     "annualValue": 40,
     "perCycleCap": 10,
     "cycle": "quarterly",
     "cycleLabel": "Quarterly",
     "timesPerYear": 4,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 40,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Pay Yourself Back",
     "description": "Marriott Bonvoy points may be redeemed for a statement credit using Pay Yourself Back for purchases made with your Marriott Bonvoy Bold Credit Card from Chase on airline tickets made directly with the airline and purchases at hotels participating in Marriott Bonvoy on up to $750 total in redemptions per year.",
     "type": "multiple",
     "annualValue": 750,
     "perCycleCap": 750,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 750
    },
    {
     "name": "Complimentary DashPass",
     "description": "When the membership is activated for the first time with a Chase Marriott Bonvoy Bold Credit Card between 02/01/2025 and 12/31/2027, you will receive 12 months of complimentary DashPass for use on both the DoorDash and Caviar applications during the same membership period.",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 120,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 120
    }
   ],
   "status": [
    {
     "name": "5 Elite Night Credits",
     "description": "5 Elite Night Credits will be deposited into your Marriott Bonvoy Member Account within 60 days upon opening your Marriott Bonvoy Credit Card from Chase. On or before March 1 of each subsequent calendar year, the Annual ENC benefit will be deposited into your Marriott Bonvoy Member Account.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Automatic Silver Elite Status",
     "description": "You will automatically receive Silver Elite Status each calendar year as a cardmember. Please allow up to 8 weeks from account open date for your initial Silver Elite Status award to be applied to your Marriott Bonvoy account. To qualify for and maintain Silver Elite Status your account must be open and not in default.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 5,
   "upstreamUpdated": "2025-06-15",
   "url": "https://uscreditcardrewards.com/cards/chase-marriott-bonvoy-bold"
  },
  {
   "slug": "chase-marriott-bonvoy-boundless",
   "name": "Chase Marriott Bonvoy Boundless",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 95,
   "network": "Visa",
   "currency": "Marriott Bonvoy Points",
   "currencyFamily": "hotel",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-marriott-bonvoy-boundless.webp",
   "exploreCategory": "hotel",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Marriott",
     "type": "travel",
     "rate": 6,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 2,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 3
    },
    "grocery": {
     "category": "Grocery",
     "rate": 3
    },
    "gas": {
     "category": "Gas",
     "rate": 3
    }
   },
   "credits": [
    {
     "name": "$100 Airline Credit",
     "description": "Get a $50 statement credit each half of the year (Jan–Jun and Jul–Dec) after spending $250 or more on purchases made directly with airlines — up to $100 back annually. Existing cardmembers must enroll once via Chase; new cardmembers are enrolled automatically upon activation. Limited-time benefit available through 6/30/2027.",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 50,
     "cycle": "semi-annual",
     "cycleLabel": "Twice a year",
     "timesPerYear": 2,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "DoorDash Quarterly Credit",
     "description": "Once you have activated your Chase Marriott Bonvoy Boundless Credit Card DashPass membership, you will receive a $10 off discount each calendar quarter at checkout on one qualifying non-restaurant order on DoorDash as long as you remain enrolled in a DashPass membership.",
     "type": "multiple",
     "annualValue": 40,
     "perCycleCap": 10,
     "cycle": "quarterly",
     "cycleLabel": "Quarterly",
     "timesPerYear": 4,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 140,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Annual Free Night Award",
     "description": "As a Marriott Bonvoy Boundless Cardmember, you will enjoy a Free Night Award every year after your account anniversary, valid for a one night hotel stay at a property with a redemption level up to 35,000 points. Certain hotels have resort fees.",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 200
    },
    {
     "name": "Complimentary DashPass",
     "description": "When the membership is activated for the first time with a Chase Marriott Bonvoy Boundless Credit Card between 02/01/2025 and 12/31/2027, you will receive 12 months of complimentary DashPass for use on both the DoorDash and Caviar applications during the same membership period.",
     "type": "other",
     "annualValue": 120,
     "perCycleCap": 120,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 120
    }
   ],
   "status": [
    {
     "name": "Automatic Silver Elite Status",
     "description": "You will automatically receive Silver Elite Status each calendar year as a cardmember. Please allow up to 8 weeks from account open date for your initial Silver Elite Status award to be applied to your Marriott Bonvoy account.",
     "type": "status",
     "annualValue": 25,
     "perCycleCap": 25,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Path to Gold Status",
     "description": "Path to Gold Status when you spend $35,000 on purchases each calendar year. The time period for you to spend $35,000 to earn Gold Elite Status will run from January 1 through December 31 of each calendar year.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 35000,
     "isWelcome": false
    },
    {
     "name": "15 Elite Night Credits",
     "description": "Receive 15 Elite Night Credits each calendar year. Restrictions apply. To be eligible to receive the 15 ENCs associated with the Annual ENC benefit from your Marriott Bonvoy Credit Card from Chase you must be the Primary Cardmember, your Card Account must be open at the time of the deposit, and you must have an active Marriott Bonvoy Member Account linked to your Card account.",
     "type": "status",
     "annualValue": 35,
     "perCycleCap": 35,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Elite Night Credits from Spending",
     "description": "Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend. There is no limit to the number of Elite nights that you can earn. Please allow up to 8 weeks for Elite nights to be credited to your Marriott Bonvoy account from the last day of each calendar month you qualify.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 8,
   "upstreamUpdated": "2025-06-15",
   "url": "https://uscreditcardrewards.com/cards/chase-marriott-bonvoy-boundless"
  },
  {
   "slug": "chase-marriott-bonvoy-business",
   "name": "Chase Marriott Bonvoy Business",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 125,
   "network": "Visa",
   "currency": "Marriott Bonvoy Points",
   "currencyFamily": "hotel",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-marriott-bonvoy-business.webp",
   "exploreCategory": "business",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Marriott",
     "type": "travel",
     "rate": 6,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 4,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 4,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Internet, Cable & Phone Services",
     "type": "business",
     "rate": 4,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 2,
   "bestGeneral": {
    "gas": {
     "category": "Gas",
     "rate": 4
    },
    "dining": {
     "category": "Dining",
     "rate": 4
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Second Free Night Award ($60K Spend)",
     "description": "Earn an additional Free Night Award (up to 35,000 points) after spending $60,000 in calendar year purchases. Can be combined with up to 15,000 points. Award expires 12 months after issuance.",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 60000,
     "isWelcome": false,
     "estimatedValue": 200
    },
    {
     "name": "Annual Free Night Award",
     "description": "Receive a Free Night Award every year after your account anniversary, valid for one night at a Marriott Bonvoy property with a redemption level up to 35,000 points. You can combine your Free Night Award with up to 15,000 points to access more properties. Award expires 12 months after issuance. Excludes resort fees.",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 200
    },
    {
     "name": "7% Room Rate Discount",
     "description": "7% discount on guest room Standard Rate when booked through Marriott Bonvoy direct booking channels. Excludes Design Hotels, vacation clubs, all-inclusive properties, and Homes & Villas by Marriott Bonvoy.",
     "type": "multiple",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [
    {
     "name": "Elite Night Credits from Spending",
     "description": "Earn 1 Elite Night Credit toward Elite Status for every $5,000 spent on purchases. No limit on the number of Elite Nights earned. Allow up to 8 weeks for credits from the last day of each qualifying calendar month.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "15 Elite Night Credits",
     "description": "Receive 15 Elite Night Credits each calendar year toward next elite tier qualification. Credits deposited by March 1 each year. Requires active Marriott Bonvoy account linked to card.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Marriott Bonvoy Gold Elite Status",
     "description": "Automatic Gold Elite Status each calendar year. Benefits include 25% Elite Bonus Points on stays, 2 p.m. late checkout (availability-based), enhanced room upgrades (availability-based), and premium Wi-Fi at participating properties. Allow up to 8 weeks from account opening for status to be applied.",
     "type": "status",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Trip Delay Reimbursement",
     "description": "Reimburses up to $500 per covered traveler for hotel, meals, and essentials when common carrier travel is delayed more than 12 hours or requires overnight stay. Must purchase travel with the card.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Auto Rental Coverage",
     "description": "Secondary coverage for damage due to collision or theft for most rental vehicles when you use your card to pay for the full rental and decline the rental company's collision damage waiver.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Lost Luggage Reimbursement",
     "description": "Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Baggage Delay Insurance",
     "description": "Reimburses up to $100 a day for up to 5 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Purchase Protection",
     "description": "Covers eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item. New York residents limited to 90-day coverage.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Extended Warranty Protection",
     "description": "Extends the time period of the manufacturer U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 12,
   "upstreamUpdated": "2026-02-28",
   "url": "https://uscreditcardrewards.com/cards/chase-marriott-bonvoy-business"
  },
  {
   "slug": "chase-marriott-bountiful",
   "name": "Chase Marriott Bountiful",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 250,
   "network": "Visa",
   "currency": "Marriott Bonvoy Points",
   "currencyFamily": "hotel",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-marriott-bountiful.webp",
   "exploreCategory": "hotel",
   "welcomeBonus": {
    "headline": "85,000 Bonus Points",
    "requirement": "Spend $4,000 in purchases in first 3 months"
   },
   "earn": [
    {
     "category": "Marriott",
     "type": "travel",
     "rate": 6,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 4,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 4,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 2,
   "bestGeneral": {
    "grocery": {
     "category": "Grocery",
     "rate": 4
    },
    "dining": {
     "category": "Dining",
     "rate": 4
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Free Night Award (After $15K Spend)",
     "description": "Earn a Free Night Award after spending $15,000 on purchases each account year. The Free Night Award is valid for a one night stay at a property with a redemption level up to 50,000 Marriott Bonvoy points. Certain hotels have resort fees.",
     "type": "multiple",
     "annualValue": 300,
     "perCycleCap": 300,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 15000,
     "isWelcome": false,
     "estimatedValue": 300
    },
    {
     "name": "Complimentary DashPass",
     "description": "When the membership is activated for the first time with a Chase Marriott Bonvoy Bountiful Credit Card between 02/01/2025 and 12/31/2027, you will receive 12 months of complimentary DashPass for use on both the DoorDash and Caviar applications during the same membership period. DashPass normally costs $9.99/month.",
     "type": "other",
     "annualValue": 120,
     "perCycleCap": 120,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 120
    }
   ],
   "status": [
    {
     "name": "Automatic Gold Elite Status",
     "description": "You will automatically receive Gold Elite Status each calendar year as a cardmember. Gold Elite members enjoy 25% bonus points on stays, enhanced room upgrades, 2 PM late checkout, and welcome gifts. Please allow up to 8 weeks from account open date for your initial Gold Elite Status award to be applied to your Marriott Bonvoy account.",
     "type": "status",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "15 Elite Night Credits",
     "description": "Receive 15 Elite Night Credits each calendar year. Restrictions apply. To be eligible to receive the 15 ENCs associated with the Annual ENC benefit from your Marriott Bonvoy Credit Card from Chase you must be the Primary Cardmember, your Card Account must be open at the time of the deposit, and you must have an active Marriott Bonvoy Member Account linked to your Card account.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
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    {
     "name": "Baggage Delay Reimbursement",
     "description": "Reimburses you for the purchase of essential items if your bags are delayed more than 6 hours, up to $100 per day for up to 5 days, when you purchase your ticket with your card.",
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    {
     "name": "Lost Luggage Coverage",
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    {
     "name": "Trip Delay Reimbursement",
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    {
     "name": "Purchase Protection",
     "description": "Covers new purchases made with your card for 120 days against damage or theft, up to $500 per claim.",
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    {
     "category": "Travel (ChaseTravel)",
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     "scope": "portal",
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    {
     "category": "WholeFood",
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     "portalOnly": false
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    {
     "category": "Dining",
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    {
     "category": "Gas",
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    {
     "category": "Transit",
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     "name": "Roadside Assistance",
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    {
     "name": "Extended Warranty Protection",
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    {
     "name": "Auto Rental Coverage",
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     "verifiedCredit": false,
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    {
     "name": "Baggage Delay Insurance",
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     "perCycleCap": 300,
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    {
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    {
     "name": "Travel Accident Insurance",
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    {
     "name": "Zero Liability Protection",
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    {
     "category": "Travel",
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    {
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    {
     "name": "Global Entry/TSA PreCheck Credit",
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     "name": "Annual Free Night Award",
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    {
     "name": "Marriott Gold Elite Status",
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    {
     "name": "Priority Pass Select",
     "description": "Unlimited access to over 1,300 airport lounges worldwide through Priority Pass Select membership",
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   ],
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     "scope": "brand",
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    {
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    {
     "category": "Dining",
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     "portalOnly": false
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    {
     "category": "Online Grocery",
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    {
     "category": "Streaming Service",
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    {
     "category": "Gas",
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    {
     "category": "EV Charging",
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    {
     "category": "Vacation Homes",
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     "portalOnly": false
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    {
     "category": "Travel",
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     "rate": 2,
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     "portalOnly": false
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    {
     "category": "Other",
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     "portalOnly": false
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   ],
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    "grocery": {
     "category": "Online Grocery",
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     "category": "Streaming Service",
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    "gas": {
     "category": "Gas",
     "rate": 3
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    "travel": {
     "category": "Travel",
     "rate": 2
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   },
   "credits": [
    {
     "name": "$10 Monthly DoorDash Credit",
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    {
     "name": "$100 Chase Travel Hotel Credit",
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    {
     "name": "Global Entry / TSA PreCheck / NEXUS Credit",
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     "cycleLabel": "Every 4 years",
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     "resetsOn": "cardmember-year",
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     "verifiedCredit": true,
     "conditional": false,
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   ],
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     "name": "10% Anniversary Point Bonus",
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     "resetsOn": "cardmember-year",
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    {
     "name": "5x Points on Peloton",
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     "resetsOn": "cardmember-year",
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     "name": "Complimentary Apple TV (1 Year)",
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    {
     "name": "Complimentary DashPass",
     "description": "Free DashPass membership for DoorDash and Caviar with $0 delivery fees and lower service fees for minimum 1 year when activated by 12/31/2027",
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     "resetsOn": "cardmember-year",
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    {
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    {
     "name": "Auto Rental Coverage",
     "description": "Primary rental car collision damage waiver up to $60,000 for most vehicles with MSRP of $125,000 or less",
     "type": "insurance",
     "annualValue": 200,
     "perCycleCap": 200,
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     "cycleLabel": "Once a year",
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     "requiresActivation": false,
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    },
    {
     "name": "Extended Warranty Protection",
     "description": "Extends the manufacturer warranty by an additional year on eligible purchases",
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     "cycleLabel": "Once a year",
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  {
   "slug": "chase-sapphire-reserve",
   "name": "Chase Sapphire Reserve",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 795,
   "network": "Visa",
   "currency": "Chase Ultimate Rewards Points",
   "currencyFamily": "transferable",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-sapphire-reserve.webp",
   "exploreCategory": "featured",
   "welcomeBonus": {
    "headline": "100,000 Ultimate Rewards Points",
    "requirement": "Spend $6000 in the first 3 months"
   },
   "earn": [
    {
     "category": "Travel (ChaseTravel)",
     "type": "travel",
     "rate": 8,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Airlines",
     "type": "travel",
     "rate": 4,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Hotels",
     "type": "travel",
     "rate": 4,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "travel": {
     "category": "Airlines",
     "rate": 4
    },
    "dining": {
     "category": "Dining",
     "rate": 3
    }
   },
   "credits": [
    {
     "name": "$500 Annual The Edit Credit (2+ nights)",
     "description": "Receive a statement credit of up to $250 for each prepaid booking with The Edit—our handpicked collection of hotels and resorts, up to $500 annually.\n\nHow it works:\n- Maximum $500 credit annually for prepaid “Pay Now” bookings.\n- Minimum 2-night stay required.\n- Purchases that qualify for the $500 Credit for stays with The Edit will not earn points.\n- Enjoy complimentary benefits with The Edit: daily breakfast for 2, $100 property credit, room upgrade if available and more.\n- Statement credit periods end at 11:59 PM ET on the last day of the period. Please note that processing delays can cause purchases made during one statement credit period to be allocated to the next period.",
     "type": "multiple",
     "annualValue": 500,
     "perCycleCap": 500,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$500 Southwest Airlines Chase Travel Credit",
     "description": "After meeting the $75,000 spend requirements, $500 Southwest Airlines credit when booked through Chase Travel",
     "type": "multiple",
     "annualValue": 500,
     "perCycleCap": 500,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$300 Annual Travel Credit",
     "description": "$300 annual travel credit - still the most flexible travel credit available. A statement credit will be automatically applied to your account for purchases made in the travel category, up to an annual maximum accumulation of $300. Annual means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year.",
     "type": "multiple",
     "annualValue": 300,
     "perCycleCap": 300,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$25 Monthly DoorDash Credit",
     "description": "Earn a $5 DoorDash monthly promo for restaurant orders while enrolled in DashPass, through Dec 31, 2027. Apply the $5 promo at checkout while placing a restaurant order to receive up to $5 off. This promo can be applied once per month. Any unused promo does not rollover.\n\nAlso get up to $20 (via 2 $10 promos) off grocery, retail, and all other non-restaurant orders on DoorDash each month while enrolled in DashPass through Dec 31, 2027. Apply the $10 promo at checkout while placing a non-restaurant order to receive up to $10 off each order. This promo can be applied to 2 separate orders per month. Unused promos do not rollover.\n\nAlso get an annual complimentary DashPass membership.\n\n*Please note that the Chase DashPass membership benefits are not available when using Apple Pay, PayPal, or other third-party payment methods.",
     "type": "multiple",
     "annualValue": 300,
     "perCycleCap": 25,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$150 Semi-Annual Dining Credit(Opentable Only)",
     "description": "Get up to $300 annually when you use your card at restaurants that are part of our Sapphire Reserve Exclusive Tables program. That’s up to $150 in statement credits every 6 months.\n\nHow it works:\n- Credits are for dining at restaurants that are part of Sapphire Reserve Exclusive Tables in the Visa Dining Collection on OpenTable.\n- Get up to $150 in statement credits from January through June and up to $150 in statement credits from July through December.\n- Statement credit periods end at 11:59 PM ET on the last day of the period. Please note that merchant delays in the processing or submission of transactions can cause purchases made during one statement credit period to be allocated to the next period.",
     "type": "multiple",
     "annualValue": 300,
     "perCycleCap": 150,
     "cycle": "semi-annual",
     "cycleLabel": "Twice a year",
     "timesPerYear": 2,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$150 Semi-Annual StubHub Credit",
     "description": "Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually for StubHub and viagogo purchases through 12/31/27. Activation required",
     "type": "multiple",
     "annualValue": 300,
     "perCycleCap": 150,
     "cycle": "semi-annual",
     "cycleLabel": "Twice a year",
     "timesPerYear": 2,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$250 The Shops at Chase Credit",
     "description": "After meeting the $75,000 spend requirements, $250 credit to The Shops at Chase, a new online shopping experience designed exclusively for cardmembers",
     "type": "multiple",
     "annualValue": 250,
     "perCycleCap": 250,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$250 Select Chase Travel Hotel Credit(2+ nights)",
     "description": "Get up to $250 in statement credits on stays at select hotels booked through Chase Travel.\n\nHow it works:\n- No activation required. Just use your card to book stays at select hotels through Chase Travel.\n- When booking your hotel via Chase Travel, select the pre-paid, “Pay Now” option using your Chase Sapphire Reserve card.  \n- Get up to $250 in statement credits from January 1 through December 31, 2026.\n- Minimum 2-night stay required.\n- Select eligible hotels are IHG Hotels & Resorts, Montage Hotels & Resorts, Pendry Hotels & Resorts, Omni Hotels & Resorts, Virgin Hotels, Minor Hotels, and Pan Pacific Hotels and Resorts.\n- Purchases that qualify for the $250 credit will not earn points.",
     "type": "multiple",
     "annualValue": 250,
     "perCycleCap": 250,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$12.99 Monthly Apple TV Subscription",
     "description": "Get complimentary Apple TV through June 22, 2027 — a value of $12.99 per month. Activate by linking your Apple ID; on iPhone or iPad, your benefit auto-links to the Apple ID signed in to your device. If you already have a paid Apple TV subscription, your Chase complimentary subscription will automatically suspend the existing paid one (and it resumes if you cancel through Chase). Apple One paid subscriptions will run alongside without suspension.",
     "type": "multiple",
     "annualValue": 155.88,
     "perCycleCap": 12.99,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$10.99 Monthly Apple Music Subscription",
     "description": "Get complimentary Apple Music through June 22, 2027 — a value of $10.99 per month. Activate by linking your Apple ID; on iPhone or iPad, your benefit auto-links to the Apple ID signed in to your device. If you already have a paid Apple Music subscription, your Chase complimentary subscription will automatically suspend the existing paid one (and it resumes if you cancel through Chase). Apple Music Family or Apple One paid subscriptions will run alongside without suspension.",
     "type": "multiple",
     "annualValue": 131.88,
     "perCycleCap": 10.99,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$10 Monthly Peloton Credit",
     "description": "10x points on eligible Peloton equipment and accessory purchases and up to $120 in annual statement credits toward Peloton memberships through 12/31/2027",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 10,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$10 Monthly Lyft Credit",
     "description": "$120 in annual Lyft in-app credits, up to $10 monthly, plus 5x total points on eligible Lyft rides through 9/30/2027",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 10,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Global Entry/TSA PreCheck Credit",
     "description": "$120 Global Entry, TSA Precheck or Nexus credit every four years",
     "type": "onetime",
     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 3258,
   "conditionalTotal": 0,
   "perks": [],
   "status": [
    {
     "name": "Priority Pass Select",
     "description": "Complimentary access to 1,300+ airport lounges worldwide with up to two guests, plus every Chase Sapphire Lounge by The Club location, after an easy one-time enrollment in Priority Pass Select",
     "type": "status",
     "annualValue": 250,
     "perCycleCap": 250,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "IHG One Rewards Diamond Elite Status",
     "description": "After meeting the $75,000 spend requirements, you will be eligible for IHG One Rewards Diamond Elite status for the remainder of the calendar year in which you qualify and the following calendar year",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "World of Hyatt Explorist Status",
     "description": "After meeting the $75,000 spend requirements, complimentary World of Hyatt Explorist status for the remainder of the calendar year in which you qualify and the following calendar year. Activate by linking your World of Hyatt account in the Chase Mobile app.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Southwest Airlines Rapid Rewards A-List Status",
     "description": "After meeting the $75,000 spend requirements, Southwest Airlines A-List Status",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "IHG One Rewards Platinum Elite Status",
     "description": "Complimentary IHG One Rewards Platinum Elite Status",
     "type": "status",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Auto Rental Coverage",
     "description": "Primary car insurance and trip cancellation coverage",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Trip Cancellation and Interruption Insurance",
     "description": "The most comprehensive suite of travel protections available through built-in benefits that cover a wider range of travel setbacks than any other card",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Purchase Protection",
     "description": "Purchase protection and extended warranty coverage",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Extended Warranty Protection",
     "description": "Extended warranty protection",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 22,
   "upstreamUpdated": "2025-11-01",
   "url": "https://uscreditcardrewards.com/cards/chase-sapphire-reserve"
  },
  {
   "slug": "chase-sapphire-reserve-legacy",
   "name": "Chase Sapphire Reserve (Legacy)",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 795,
   "network": "Visa Infinite",
   "currency": "Chase Ultimate Rewards Points",
   "currencyFamily": "transferable",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-sapphire-reserve-legacy.webp",
   "exploreCategory": "travel",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Hotel (ChaseTravel)",
     "type": "travel",
     "rate": 10,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Car Rental (ChaseTravel)",
     "type": "travel",
     "rate": 10,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Airline (ChaseTravel)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Travel",
     "type": "travel",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "travel": {
     "category": "Travel",
     "rate": 3
    },
    "dining": {
     "category": "Dining",
     "rate": 3
    }
   },
   "credits": [
    {
     "name": "$300 Annual Travel Credit",
     "description": "Up to $300 in statement credits each account anniversary year for travel purchases",
     "type": "multiple",
     "annualValue": 300,
     "perCycleCap": 300,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$10 Monthly Lyft Credit",
     "description": "$10 monthly Lyft credit, up to $120/year, plus 5x points on Lyft rides",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 10,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Global Entry/TSA PreCheck/NEXUS Fee Credit",
     "description": "Up to $120 statement credit every 4 years for application fee",
     "type": "onetime",
     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 450,
   "conditionalTotal": 0,
   "perks": [],
   "status": [
    {
     "name": "Priority Pass Select",
     "description": "Complimentary access to 1,300+ airport lounges worldwide",
     "type": "status",
     "annualValue": 469,
     "perCycleCap": 469,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "DoorDash DashPass",
     "description": "Complimentary DashPass for DoorDash & Caviar, $0 delivery fees, lower service fees",
     "type": "status",
     "annualValue": 120,
     "perCycleCap": 120,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Travel Protections",
     "description": "Comprehensive travel insurance (trip delay, cancellation, lost luggage, etc.)",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Purchase Protections",
     "description": "Purchase protection, return protection, extended warranty, zero liability",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 7,
   "upstreamUpdated": "2025-11-01",
   "url": "https://uscreditcardrewards.com/cards/chase-sapphire-reserve-legacy"
  },
  {
   "slug": "chase-sapphire-reserve-business",
   "name": "Chase Sapphire Reserve Business",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 795,
   "network": "Visa",
   "currency": null,
   "currencyFamily": "unknown",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-sapphire-reserve-business.webp",
   "exploreCategory": "business",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Travel (ChaseTravel)",
     "type": "travel",
     "rate": 8,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Lyft",
     "type": "travel",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Airlines",
     "type": "travel",
     "rate": 4,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Hotels",
     "type": "travel",
     "rate": 4,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Advertising (Social Media & Search)",
     "type": "business",
     "rate": 3,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "travel": {
     "category": "Airlines",
     "rate": 4
    }
   },
   "credits": [
    {
     "name": "$500 Annual The Edit Credit (2+ nights)",
     "description": "Up to $250 from Jan-June and $250 from July-Dec for prepaid 2+ night stays booked through The Edit by Chase Travel.",
     "type": "multiple",
     "annualValue": 500,
     "perCycleCap": 500,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$500 The Shops at Chase Credit",
     "description": "Up to $500 credit at The Shops at Chase. Requires $120,000 annual spend.",
     "type": "multiple",
     "annualValue": 500,
     "perCycleCap": 500,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$500 Southwest Chase Travel Credit",
     "description": "Up to $500 credit when booking Southwest flights via Chase Travel. Requires $120,000 annual spend.",
     "type": "multiple",
     "annualValue": 500,
     "perCycleCap": 500,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$200 Semi-Annual ZipRecruiter Credit",
     "description": "Up to $200 from Jan-June and $200 from July-Dec for ZipRecruiter purchases.",
     "type": "multiple",
     "annualValue": 400,
     "perCycleCap": 200,
     "cycle": "semi-annual",
     "cycleLabel": "Twice a year",
     "timesPerYear": 2,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$300 Annual Travel Credit",
     "description": "Up to $300 in annual statement credits toward travel purchases including flights, hotels, taxi fare, and public transportation.",
     "type": "multiple",
     "annualValue": 300,
     "perCycleCap": 300,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$25 Monthly DoorDash Credit",
     "description": "DashPass members get up to $25 each month to spend on DoorDash: $5 monthly promo for restaurant orders and two $10 promos each month for groceries, retail orders and more. Available through 12/31/27.",
     "type": "multiple",
     "annualValue": 300,
     "perCycleCap": 25,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$200 Google Workspace Credit",
     "description": "Annual statement credit for eligible Google Workspace purchases.",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$10 Monthly Lyft Credit",
     "description": "Up to $10 in monthly in-app credits to use on Lyft rides through 9/30/27.",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 10,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$50 Semi-Annual Gift Card Credit",
     "description": "Up to $50 in statement credits Jan-June and $50 July-Dec when you purchase gift cards from giftcards.com/reservebusiness.",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 50,
     "cycle": "semi-annual",
     "cycleLabel": "Twice a year",
     "timesPerYear": 2,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Global Entry/TSA PreCheck Credit",
     "description": "Up to $120 statement credit every 4 years for Global Entry, TSA PreCheck or NEXUS application fee.",
     "type": "onetime",
     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 2950,
   "conditionalTotal": 0,
   "perks": [],
   "status": [
    {
     "name": "$120 DashPass Membership",
     "description": "Complimentary DashPass membership, a $120 value for 12 months. Enjoy $0 delivery fees and reduced service fees on eligible DoorDash orders. Activate by 12/31/27.",
     "type": "status",
     "annualValue": 120,
     "perCycleCap": 120,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Chase Sapphire Lounge Access",
     "description": "Complimentary access to Chase Sapphire Lounge by The Club network. Two guests may accompany the Primary Cardmember free of charge.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Priority Pass Select",
     "description": "Complimentary Priority Pass Select membership with access to 1,500+ airport lounges worldwide. Two guests may accompany free of charge.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "IHG Platinum Elite Status",
     "description": "Complimentary IHG One Rewards Platinum Elite status through 12/31/27.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "IHG Diamond Elite Status",
     "description": "IHG One Rewards Diamond Elite status. Requires $120,000 annual spend.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Southwest A-List Status",
     "description": "Southwest Airlines Rapid Rewards A-List status. Requires $120,000 annual spend.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 16,
   "upstreamUpdated": "2025-12-21",
   "url": "https://uscreditcardrewards.com/cards/chase-sapphire-reserve-business"
  },
  {
   "slug": "chase-southwest-performance-business",
   "name": "Chase Southwest Performance Business",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 299,
   "network": "Visa",
   "currency": "Southwest Rapid Rewards Points",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-southwest-performance-business.webp",
   "exploreCategory": "business",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Southwest Airlines",
     "type": "travel",
     "rate": 4,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Transit",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Hotels",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "gas": {
     "category": "Gas",
     "rate": 2
    },
    "dining": {
     "category": "Dining",
     "rate": 2
    },
    "travel": {
     "category": "Transit",
     "rate": 2
    }
   },
   "credits": [
    {
     "name": "$10 Monthly Instacart Credit",
     "description": "Receive a $10 monthly Instacart credit when you use your card for Instacart purchases. Credit applied automatically as a statement credit.",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 10,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$120 Complimentary DashPass",
     "description": "When the membership is activated for the first time with your Southwest Performance Business card, you will receive 12 months of complimentary DashPass for use on both the DoorDash and Caviar applications during the same membership period based on the first activation date.",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 120,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$10 DoorDash Quarterly Credit",
     "description": "Once you have activated your DashPass membership, you will receive a $10 off discount each calendar quarter at checkout on one qualifying non-restaurant order on DoorDash as long as you remain enrolled in a DashPass membership.",
     "type": "multiple",
     "annualValue": 40,
     "perCycleCap": 10,
     "cycle": "quarterly",
     "cycleLabel": "Quarterly",
     "timesPerYear": 4,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$120 Global Entry/TSA PreCheck Credit",
     "description": "Receive up to a $120 statement credit for Global Entry, TSA PreCheck, or NEXUS application fee once every four years as a statement credit.",
     "type": "multiple",
     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$30 Complimentary Instacart+ Membership",
     "description": "Receive 3 months of complimentary Instacart+ membership, which includes free delivery on orders of $35 or more, reduced service fees, and exclusive member pricing. Enrollment required.",
     "type": "multiple",
     "annualValue": 30,
     "perCycleCap": 30,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 340,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "10,000 Companion Pass Qualifying Points Boost",
     "description": "As a Southwest Rapid Rewards Cardmember, you will earn one boost of 10,000 Companion Pass qualifying points each calendar year. The boost will be deposited into your eligible Rapid Rewards account by January 31st each calendar year or up to 30 days after account opening.",
     "type": "multiple",
     "annualValue": 130,
     "perCycleCap": 130,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 130
    },
    {
     "name": "9,000 Anniversary Points",
     "description": "9,000 bonus points each account anniversary year. Account anniversary year means the year beginning with your account open date through the anniversary of your account open date, and each 12 months after that.",
     "type": "multiple",
     "annualValue": 117,
     "perCycleCap": 117,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 117
    },
    {
     "name": "Inflight Purchase Discount",
     "description": "25% back on Southwest Airlines inflight purchases made with your card for drinks and WiFi in the form of a credit card account statement credit.",
     "type": "multiple",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Tier Qualifying Points",
     "description": "Earn 2,500 tier qualifying points (TQPs) toward A-List status for every $5,000 spent in purchases annually. TQPs can be used to count toward qualification for Rapid Rewards A-List or A-List Preferred status.",
     "type": "multiple",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 5000,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [
    {
     "name": "Free First Checked Bag",
     "description": "The primary Rapid Rewards Credit Cardmember and up to eight passengers traveling on the same reservation are each eligible to receive their first standard checked bag free. The primary Cardmember must include their Rapid Rewards number in their reservation.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Preferred Seating & Priority Boarding",
     "description": "Complimentary preferred seat selection at booking for the primary cardmember and up to 8 additional passengers on the same reservation. Unlimited Extra Legroom seat upgrades within 48 hours of departure. Group 5 boarding for cardmember and up to 8 passengers.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Auto Rental Coverage",
     "description": "Covers damage due to collision or theft for most rental vehicles when you use your card to pay for the full rental and decline the rental company's collision damage waiver.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Purchase Protection",
     "description": "Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Extended Warranty Protection",
     "description": "Extends the time period of the manufacturer U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Lost Luggage Reimbursement",
     "description": "Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Baggage Delay Insurance",
     "description": "Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 16,
   "upstreamUpdated": "2026-02-23",
   "url": "https://uscreditcardrewards.com/cards/chase-southwest-performance-business"
  },
  {
   "slug": "chase-southwest-plus",
   "name": "Chase Southwest Plus",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 99,
   "network": "Visa",
   "currency": "Southwest Rapid Rewards Points",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-southwest-plus.webp",
   "exploreCategory": "airline",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Southwest Airlines",
     "type": "travel",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "gas": {
     "category": "Gas",
     "rate": 2
    },
    "grocery": {
     "category": "Grocery",
     "rate": 2
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Complimentary DashPass",
     "description": "When the membership is activated for the first time with Southwest Rapid Rewards Plus Credit Card between 02/01/2025 and 12/31/2027, you will receive 12 months of complimentary DashPass for use on both the DoorDash and Caviar applications during the same membership period based on the first activation date.",
     "type": "multiple",
     "annualValue": 144,
     "perCycleCap": 144,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 144
    },
    {
     "name": "Companion Pass Qualifying Points Boost",
     "description": "As a Southwest Rapid Rewards Cardmember, you will earn one boost of 10,000 Companion Pass qualifying points each calendar year. The boost will be deposited into your eligible Rapid Rewards account by January 31st each calendar year or up to 30 days after account opening.",
     "type": "multiple",
     "annualValue": 130,
     "perCycleCap": 130,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 130
    },
    {
     "name": "DoorDash Quarterly Discount",
     "description": "Once you have activated your Southwest Rapid Rewards Plus Credit Card DashPass membership, you will receive a $10 off discount each calendar quarter at checkout on one qualifying non-restaurant order on DoorDash as long as you remain enrolled in a DashPass membership.",
     "type": "multiple",
     "annualValue": 40,
     "perCycleCap": 10,
     "cycle": "quarterly",
     "cycleLabel": "Quarterly",
     "timesPerYear": 4,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 40
    },
    {
     "name": "Anniversary Points",
     "description": "3,000 bonus points each account anniversary year. Account anniversary year means the year beginning with your account open date through the anniversary of your account open date, and each 12 months after that.",
     "type": "multiple",
     "annualValue": 39,
     "perCycleCap": 39,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 39
    },
    {
     "name": "10% Anniversary Promo Code",
     "description": "Receive a 10% promo code each year on your cardmember anniversary, valid for one Southwest Airlines booking. Excludes basic fare.",
     "type": "multiple",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Inflight Purchase Discount",
     "description": "You will receive 25% back on Southwest Airlines inflight purchases made with your Southwest Rapid Rewards Plus Credit Card for drinks and WiFi in the form of a credit card account statement credit. Statement credits will post to your credit card account the same day as your purchases and will appear on your monthly credit card billing statement within 1-2 billing cycles.",
     "type": "multiple",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [
    {
     "name": "Free First Checked Bag",
     "description": "The primary Rapid Rewards Credit Cardmember and up to eight passengers traveling on the same reservation are each eligible to receive their first standard checked bag free. Cardmembers should allow up to 14 days for card status to be updated in their Rapid Rewards account to be eligible for this benefit.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Standard Seat Selection & Priority Boarding",
     "description": "Complimentary Standard seat selection within 48 hours prior to departure, when available. Group 5 boarding for the cardmember and up to 8 passengers on the same reservation on flights with assigned seating.",
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     "annualValue": 0,
     "perCycleCap": null,
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     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Extended Warranty Protection",
     "description": "Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase. Restrictions, limitations and exclusions apply.",
     "type": "insurance",
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     "cycleLabel": "Once a year",
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     "requiresActivation": false,
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     "conditional": false,
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     "isWelcome": false
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    {
     "name": "Lost Luggage Reimbursement",
     "description": "Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip. Restrictions, limitations and exclusions apply.",
     "type": "insurance",
     "annualValue": 0,
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     "isWelcome": false
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    {
     "name": "Baggage Delay Insurance",
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     "type": "insurance",
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     "cycle": "annual",
     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
     "requiresActivation": false,
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     "isWelcome": false
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    {
     "name": "Purchase Protection",
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     "type": "insurance",
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     "perCycleCap": null,
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     "cycleLabel": "Once a year",
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     "conditional": false,
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     "isWelcome": false
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   ],
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   "url": "https://uscreditcardrewards.com/cards/chase-southwest-plus"
  },
  {
   "slug": "chase-southwest-premier",
   "name": "Chase Southwest Premier",
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   "earn": [
    {
     "category": "Southwest Airlines",
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     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 2,
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     "portalOnly": false
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    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
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     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Hotel(RapidReward)",
     "type": "travel",
     "rate": 1,
     "scope": "portal",
     "portalOnly": false
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    {
     "category": "Transit",
     "type": "travel",
     "rate": 1,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Streaming Service",
     "type": "streaming",
     "rate": 1,
     "scope": "general",
     "portalOnly": false
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   ],
   "baseRate": 1,
   "bestGeneral": {
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     "category": "Grocery",
     "rate": 2
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    "dining": {
     "category": "Dining",
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    "travel": {
     "category": "Transit",
     "rate": 1
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    "streaming": {
     "category": "Streaming Service",
     "rate": 1
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   "credits": [],
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   "conditionalTotal": 0,
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     "name": "Complimentary DashPass",
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     "annualValue": 144,
     "perCycleCap": 144,
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     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
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     "isWelcome": false,
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    {
     "name": "10,000 Companion Pass® Boost",
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     "annualValue": 130,
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     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 130
    },
    {
     "name": "6,000 Anniversary Points",
     "description": "6,000 points after your Cardmember anniversary",
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     "annualValue": 78,
     "perCycleCap": 78,
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     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
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    {
     "name": "DoorDash Quarterly Discount",
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     "annualValue": 40,
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     "timesPerYear": 4,
     "resetsOn": "cardmember-year",
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     "verifiedCredit": false,
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     "isWelcome": false,
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    {
     "name": "Inflight Purchase Discount",
     "description": "You will receive 25% back on Southwest Airlines inflight purchases made with your Southwest Rapid Rewards Premier Credit Card for drinks and WiFi in the form of a credit card account statement credit.",
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     "conditional": false,
     "spendRequirement": null,
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    {
     "name": "15% Anniversary Promo Code",
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     "name": "Tier Qualifying Points",
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    {
     "name": "Preferred Seat Selection & Priority Boarding",
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     "conditional": false,
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  },
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   "currency": "Southwest Rapid Rewards Points",
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   "exploreCategory": "business",
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    {
     "category": "Southwest Airlines",
     "type": "travel",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 2,
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     "portalOnly": false
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    {
     "category": "Dining",
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     "rate": 2,
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     "portalOnly": false
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    {
     "category": "Other",
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     "rate": 1,
     "scope": "brand",
     "portalOnly": false
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   ],
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    "gas": {
     "category": "Gas",
     "rate": 2
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    "dining": {
     "category": "Dining",
     "rate": 2
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   },
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   "conditionalTotal": 0,
   "perks": [
    {
     "name": "10,000 Companion Pass Qualifying Points Boost",
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     "annualValue": 130,
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    {
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     "resetsOn": "cardmember-year",
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    {
     "name": "Inflight Purchase Discount",
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    {
     "name": "15% Anniversary Promo Code",
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   ],
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    }
   ],
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     "isWelcome": false
    },
    {
     "name": "Extended Warranty Protection",
     "description": "Extends the time period of the manufacturer U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.",
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    },
    {
     "name": "Lost Luggage Reimbursement",
     "description": "Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.",
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     "verifiedCredit": false,
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    },
    {
     "name": "Baggage Delay Insurance",
     "description": "Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.",
     "type": "insurance",
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     "perCycleCap": null,
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     "cycleLabel": "Once a year",
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     "requiresActivation": false,
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     "conditional": false,
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    }
   ],
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   "url": "https://uscreditcardrewards.com/cards/chase-southwest-premier-business"
  },
  {
   "slug": "chase-southwest-priority",
   "name": "Chase Southwest Priority",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 229,
   "network": "Visa",
   "currency": "Southwest Rapid Rewards Points",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-southwest-priority.webp",
   "exploreCategory": "airline",
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   "earn": [
    {
     "category": "Southwest Airlines",
     "type": "travel",
     "rate": 4,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Hotel(RapidReward)",
     "type": "travel",
     "rate": 1,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Transit",
     "type": "travel",
     "rate": 1,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Internet, Cable & Phone Services",
     "type": "business",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Streaming Service",
     "type": "streaming",
     "rate": 1,
     "scope": "general",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "gas": {
     "category": "Gas",
     "rate": 2
    },
    "dining": {
     "category": "Dining",
     "rate": 2
    },
    "travel": {
     "category": "Transit",
     "rate": 1
    },
    "streaming": {
     "category": "Streaming Service",
     "rate": 1
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Complimentary DashPass",
     "description": "When the membership is activated for the first time with Southwest Rapid Rewards Priority Credit Card between 02/01/2025 and 12/31/2027, you will receive 12 months of complimentary DashPass for use on both the DoorDash and Caviar applications during the same membership period based on the first activation date.",
     "type": "multiple",
     "annualValue": 144,
     "perCycleCap": 144,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 144
    },
    {
     "name": "Companion Pass Qualifying Points Boost",
     "description": "As a Southwest Rapid Rewards Cardmember, you will earn one boost of 10,000 Companion Pass qualifying points each calendar year. The boost will be deposited into your eligible Rapid Rewards account by January 31st each calendar year or up to 30 days after account opening.",
     "type": "multiple",
     "annualValue": 130,
     "perCycleCap": 130,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
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     "estimatedValue": 130
    },
    {
     "name": "Anniversary Points",
     "description": "7,500 bonus points each account anniversary year. Account anniversary year means the year beginning with your account open date through the anniversary of your account open date, and each 12 months after that.",
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     "annualValue": 97.5,
     "perCycleCap": 97.5,
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     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
     "requiresActivation": false,
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     "estimatedValue": 97.5
    },
    {
     "name": "DoorDash Quarterly Discount",
     "description": "Once you have activated your DashPass membership, you will receive a $10 off discount each calendar quarter at checkout on one qualifying non-restaurant order on DoorDash as long as you remain enrolled in a DashPass membership.",
     "type": "multiple",
     "annualValue": 40,
     "perCycleCap": 10,
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     "cycleLabel": "Quarterly",
     "timesPerYear": 4,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
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    },
    {
     "name": "Inflight Purchase Discount",
     "description": "25% back on Southwest Airlines inflight purchases made with your Southwest Rapid Rewards Priority Credit Card for drinks and WiFi in the form of a credit card account statement credit.",
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     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Tier Qualifying Points",
     "description": "Earn 2,500 tier qualifying points (TQPs) toward A-List status for every $5,000 spent in purchases annually. TQPs can be used to count toward qualification for Rapid Rewards A-List or A-List Preferred status.",
     "type": "multiple",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 5000,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [
    {
     "name": "Preferred Seating & Priority Boarding",
     "description": "Complimentary Preferred or Standard seat selection at booking, when available. Unlimited Extra Legroom seat upgrades within 48 hours of departure, at no additional charge. Group 5 boarding for the cardmember and up to 8 passengers on the same reservation.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Free First Checked Bag",
     "description": "The primary Rapid Rewards Credit Cardmember and up to eight passengers traveling on the same reservation are each eligible to receive their first standard checked bag free. To receive their first standard checked bag free, the primary Cardmember must include their Rapid Rewards number in their reservation.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Lost Luggage Reimbursement",
     "description": "Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Baggage Delay Insurance",
     "description": "Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Extended Warranty Protection",
     "description": "Extends the time period of the manufacturer U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Purchase Protection",
     "description": "Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 12,
   "upstreamUpdated": "2025-06-15",
   "url": "https://uscreditcardrewards.com/cards/chase-southwest-priority"
  },
  {
   "slug": "chase-united-business",
   "name": "Chase United Business",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 150,
   "network": "Visa",
   "currency": null,
   "currencyFamily": "unknown",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-united-business.webp",
   "exploreCategory": "airline",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "United Airlines",
     "type": "travel",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Office Supply",
     "type": "business",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Transit",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 2
    },
    "gas": {
     "category": "Gas",
     "rate": 2
    },
    "travel": {
     "category": "Transit",
     "rate": 2
    }
   },
   "credits": [
    {
     "name": "$125 United TravelBank Cash",
     "description": "Earn $125 in United TravelBank cash after making 5 United flight purchases of $100+ within a calendar year. Must pay with your United Business card.",
     "type": "multiple",
     "annualValue": 125,
     "perCycleCap": 125,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$10 Monthly Instacart Credit",
     "description": "Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United Business Card. Terms apply.",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 10,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$100 United Hotels Credits",
     "description": "Receive $50 back as a statement credit on your 1st and 2nd prepaid hotel stays purchased directly through United Hotels with your United Business Card, up to $100 each anniversary year.",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$8 Monthly Ride-Hailing Credit",
     "description": "Enroll to receive up to $8 back as a statement credit each month ($12 in December) on ride-hailing purchases when you pay with your United Business Card, up to $100 each calendar year. Yearly opt-in is required.",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 8,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$50 Avis/Budget Credits",
     "description": "Receive $25 in United TravelBank cash, up to $50 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with your United Business Card.",
     "type": "multiple",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$25 FareLock Credit",
     "description": "Receive up to $25 statement credit when your card is used on FareLock purchases for flights operated by United and United Express annually.",
     "type": "multiple",
     "annualValue": 25,
     "perCycleCap": 25,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 520,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "5,000-Mile Anniversary Bonus",
     "description": "Earn a 5,000-mile better-together anniversary bonus when you have both the United Business Card and a personal United credit card.",
     "type": "other",
     "annualValue": 65,
     "perCycleCap": 65,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 65
    },
    {
     "name": "Instacart+ Membership (3 months)",
     "description": "Complimentary 3-month Instacart+ membership. After 3 months you will be auto-enrolled in Instacart+ at 25% off the monthly rate.",
     "type": "onetime",
     "annualValue": 30,
     "perCycleCap": 30,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 30
    },
    {
     "name": "25% Back on United Purchases",
     "description": "Receive 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your United Business Card.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [
    {
     "name": "2 United Club One-Time Passes",
     "description": "Two United Club one-time passes per year after account opening and each anniversary. Relax in comfort while waiting for your flight with complimentary beverages, snacks, high-speed Wi-Fi and more.",
     "type": "status",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Free First Checked Bag",
     "description": "Primary cardmember and one companion each receive first standard checked bag free on United-operated flights when primary cardmember includes MileagePlus number in reservation and purchases tickets with card.",
     "type": "status",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Priority Boarding",
     "description": "Primary cardmember and companions on same reservation get priority boarding on United-operated flights prior to general boarding.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 12,
   "upstreamUpdated": "2025-12-21",
   "url": "https://uscreditcardrewards.com/cards/chase-united-business"
  },
  {
   "slug": "chase-united-club",
   "name": "Chase United Club",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 695,
   "network": "Visa Infinite",
   "currency": "United MileagePlus Miles",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-united-club.webp",
   "exploreCategory": "airline",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "United Airlines",
     "type": "travel",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Hotel(United)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Travel",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "travel": {
     "category": "Travel",
     "rate": 2
    },
    "dining": {
     "category": "Dining",
     "rate": 2
    }
   },
   "credits": [
    {
     "name": "$20 Monthly Instacart Credit",
     "description": "Two $10 Instacart credits monthly (up to $240 total each calendar year) for purchases made directly through Instacart with your United Club Card. Benefits end 12/31/27.",
     "type": "multiple",
     "annualValue": 240,
     "perCycleCap": 20,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$200 Renowned Hotels Statement Credit",
     "description": "Up to $200 back as statement credits each anniversary year on hotel accommodations prepaid directly through Renowned Hotels and Resorts for United Cardmembers with your United Club Card.",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$200 JSX Statement Credit",
     "description": "Up to $200 back as a statement credit each anniversary year when you book flights directly with JSX using your United Club Card.",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$12.50 Monthly Rideshare Credit",
     "description": "Up to $150 back as statement credits each year on rideshare purchases when you pay with your United Club Card (monthly cap applies).",
     "type": "multiple",
     "annualValue": 150,
     "perCycleCap": 12.5,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Up to $100 Avis/Budget Credits",
     "description": "Up to $100 in United TravelBank cash each anniversary year on Avis or Budget car rentals booked directly through cars.united.com with your United Club Card.",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Global Entry/TSA PreCheck Credit",
     "description": "Up to $120 statement credit every 4 years for Global Entry, TSA PreCheck, or NEXUS application fee charged to your card.",
     "type": "onetime",
     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 920,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "1,500 Card Bonus PQP",
     "description": "1,500 Card Bonus Premier qualifying points (PQP) each year, applied toward Premier status qualification up to and including Premier 1K.",
     "type": "onetime",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "10% Off United Economy Saver Awards",
     "description": "10% mileage discount when booking United Economy Saver Awards.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "25% Back on United Inflight/Club Premium Purchases",
     "description": "25% back as statement credit on food/beverage/Wi-Fi onboard United-operated flights and on Club premium drink purchases when paid with United Club Card.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "10,000-Mile Award Flight Discount",
     "description": "After $20,000 in annual purchases, earn a 10,000-mile award flight discount (up to 2 per year).",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [
    {
     "name": "Premier Access Travel Services",
     "description": "Priority check-in, security screening (where available), boarding, and baggage handling on United-operated flights.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "United Club Membership",
     "description": "Unlimited United Club access for primary cardmember and one guest (or dependent children) at 45+ United Club locations worldwide. Standalone United Club membership otherwise costs $750/year.",
     "type": "status",
     "annualValue": 750,
     "perCycleCap": 750,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Free First and Second Checked Bags",
     "description": "Primary Cardmember and one companion on same reservation each receive their first and second standard checked bags free on United-operated flights. Save up to $440 per roundtrip.",
     "type": "status",
     "annualValue": 440,
     "perCycleCap": 440,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Visa Infinite Concierge Services",
     "description": "24/7 Visa Infinite Concierge for travel, dining, and entertainment requests.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "IHG One Rewards Platinum Elite Status",
     "description": "Complimentary IHG One Rewards Platinum Elite status. Enrollment required.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Complimentary Instacart+ Membership",
     "description": "Complimentary Instacart+ membership (otherwise $99/year). Activation required.",
     "type": "status",
     "annualValue": 99,
     "perCycleCap": 99,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Premier Upgrades on Award Tickets",
     "description": "Same complimentary Premier upgrades on award tickets as on paid tickets, based on Premier status.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Avis President's Club Status",
     "description": "Complimentary Avis President's Club status (top-tier elite). Enrollment required.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 18,
   "upstreamUpdated": "2026-08-08",
   "url": "https://uscreditcardrewards.com/cards/chase-united-club"
  },
  {
   "slug": "chase-united-club-business",
   "name": "Chase United Club Business",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 695,
   "network": "Visa",
   "currency": "United MileagePlus Miles",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-united-club-business.webp",
   "exploreCategory": "airline",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Hotel(United)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "United Airlines",
     "type": "travel",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1.5,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1.5,
   "bestGeneral": {},
   "credits": [
    {
     "name": "$20 Monthly Instacart Credit",
     "description": "Receive two $10 Instacart credits monthly ($20 total), up to $240 each calendar year, for purchases made directly through Instacart.",
     "type": "multiple",
     "annualValue": 240,
     "perCycleCap": 20,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$200 Renowned Hotels Credits",
     "description": "Receive up to $200 back in statement credits each anniversary year when you prepay your stay through Renowned Hotels and Resorts using your United Club Business Card.",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$200 JSX Credits",
     "description": "Book JSX flights directly with your United Club Business Card and earn up to $200 back each anniversary year.",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$12 Monthly Ride-Hailing Credit",
     "description": "Receive up to $12 back each month ($18 in December) on ride-hailing purchases when you pay with your United Club Business Card, up to $150 each calendar year. Yearly opt-in required.",
     "type": "multiple",
     "annualValue": 150,
     "perCycleCap": 12,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$100 Avis/Budget Credits",
     "description": "Receive up to $100 in United TravelBank cash each anniversary year for Avis or Budget car rentals booked through cars.united.com.",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$50 FareLock Credit",
     "description": "Receive up to $50 statement credit when your card is used on FareLock purchases for United and United Express flights annually.",
     "type": "multiple",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Global Entry/TSA PreCheck Credit",
     "description": "Receive a statement credit of up to $120 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck or NEXUS.",
     "type": "onetime",
     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 970,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "DashPass Membership (1 year)",
     "description": "One year complimentary DashPass membership for DoorDash with $0 delivery fees and reduced service fees on eligible orders.",
     "type": "onetime",
     "annualValue": 96,
     "perCycleCap": 96,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 96
    },
    {
     "name": "5,000-Mile Anniversary Bonus",
     "description": "Earn a 5,000-mile better-together anniversary bonus when you have both the United Club Business Card and a personal United credit card.",
     "type": "other",
     "annualValue": 65,
     "perCycleCap": 65,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 65
    },
    {
     "name": "25% Back on United Purchases",
     "description": "Receive 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [
    {
     "name": "Avis President's Club Membership",
     "description": "Complimentary Avis President's Club membership with benefits including upgrades and expedited service.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Priority Boarding",
     "description": "Primary cardmember and companions on same reservation get priority boarding on United-operated flights prior to general boarding.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "United Club Membership",
     "description": "Unlimited access to over 45 United Clubs worldwide. Includes one adult guest and dependent children under 18 per visit.",
     "type": "status",
     "annualValue": 750,
     "perCycleCap": 750,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Free First & Second Checked Bags",
     "description": "Primary cardmember and one companion each receive first and second standard checked bags free on United-operated flights.",
     "type": "status",
     "annualValue": 70,
     "perCycleCap": 70,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 14,
   "upstreamUpdated": "2026-08-08",
   "url": "https://uscreditcardrewards.com/cards/chase-united-club-business"
  },
  {
   "slug": "chase-united-explorer",
   "name": "Chase United Explorer",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 150,
   "network": "Visa",
   "currency": "United MileagePlus Miles",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-united-explorer.webp",
   "exploreCategory": "airline",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "United Airlines",
     "type": "travel",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Hotels",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 2
    },
    "travel": {
     "category": "Hotels",
     "rate": 2
    }
   },
   "credits": [
    {
     "name": "$10 Monthly Instacart Credit",
     "description": "Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United Explorer Card. Terms apply. Benefits end 12/31/27.",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 10,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Up to $100 United Hotels Credits",
     "description": "Receive $50 back as a statement credit on both your 1st and 2nd prepaid hotel stays purchased directly through United Hotels with your United Explorer Card, up to $100 each anniversary year.",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$100 United Travel Credit",
     "description": "Earn $100 in United TravelBank cash after you spend $10,000 on purchases each calendar year with your United Explorer Card. You can use United TravelBank cash toward future flights on United or United Express.",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": true,
     "spendRequirement": 10000,
     "isWelcome": false
    },
    {
     "name": "Up to $100 JSX Credits",
     "description": "Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX using your United Explorer Card. JSX is a crowd-free hop-on jet service that offers you the perks of private jet travel without the private jet price tag.",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$5 Monthly Rideshare Credit",
     "description": "Enroll to receive up to $5 back as a statement credit each month on rideshare purchases when you pay with your United Explorer Card, up to $60 each calendar year. Yearly opt-in is required.",
     "type": "multiple",
     "annualValue": 60,
     "perCycleCap": 5,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Up to $50 Avis/Budget Credits",
     "description": "Receive $25 in United TravelBank cash, up to $50 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with your United Explorer Card.",
     "type": "multiple",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Global Entry/TSA PreCheck Credit",
     "description": "Receive a statement credit of up to $120 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck or NEXUS when charged to your card.",
     "type": "onetime",
     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 460,
   "conditionalTotal": 100,
   "perks": [
    {
     "name": "25% Back on United Purchases",
     "description": "You will receive 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "10,000-Mile Award Flight Discount",
     "description": "Spend $20,000 with your United Explorer Card on purchases in a calendar year and earn one 10,000-mile award flight discount that can be used on eligible award travel on a United or United Express operated flight.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 20000,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [
    {
     "name": "Free First Checked Bag",
     "description": "Primary cardmember and one companion each receive first standard checked bag free on United-operated flights when primary cardmember includes MileagePlus number in reservation and purchases tickets with card.",
     "type": "status",
     "annualValue": 160,
     "perCycleCap": 160,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "2 United Club One-Time Passes",
     "description": "Two United Club one-time passes per year after account opening and each anniversary. Over a $100 value. Relax in comfort while waiting for your flight with complimentary beverages, snacks, high-speed Wi-Fi and more.",
     "type": "status",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "United Priority Boarding",
     "description": "Primary cardmember and companions on same reservation get priority boarding on United-operated flights prior to general boarding.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 12,
   "upstreamUpdated": "2025-06-15",
   "url": "https://uscreditcardrewards.com/cards/chase-united-explorer"
  },
  {
   "slug": "chase-united-gateway",
   "name": "Chase United Gateway",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 0,
   "network": "Visa",
   "currency": "United MileagePlus Miles",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-united-gateway.webp",
   "exploreCategory": "airline",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "United Airlines",
     "type": "travel",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Transit",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "gas": {
     "category": "Gas",
     "rate": 2
    },
    "travel": {
     "category": "Transit",
     "rate": 2
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [],
   "status": [
    {
     "name": "25% Back on United Inflight and Club Premium Drink Purchases",
     "description": "Get 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "First 2 Checked Bags free",
     "description": "Earn two checked bags on United- or United Express-operated flights after spending $10,000 in a calendar year with your United Gateway Card.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 10000,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Auto Rental Coverage",
     "description": "Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Extended Warranty Protection",
     "description": "Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Purchase Protection",
     "description": "Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Trip Cancellation and Interruption Insurance",
     "description": "You can be reimbursed up to $1,500 per covered traveler and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather or other covered situations.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Visa Concierge Service",
     "description": "Get complimentary Visa Signature Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 7,
   "upstreamUpdated": "2025-06-15",
   "url": "https://uscreditcardrewards.com/cards/chase-united-gateway"
  },
  {
   "slug": "chase-united-quest",
   "name": "Chase United Quest",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 350,
   "network": "Visa",
   "currency": "United MileagePlus Miles",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/chase-united-quest.webp",
   "exploreCategory": "airline",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Hotel(United)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "United Airlines",
     "type": "travel",
     "rate": 4,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Travel",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Streaming Service",
     "type": "streaming",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 2
    },
    "travel": {
     "category": "Travel",
     "rate": 2
    },
    "streaming": {
     "category": "Streaming Service",
     "rate": 2
    }
   },
   "credits": [
    {
     "name": "$200 Annual United Travel Credit",
     "description": "Automatically receive $200 in United TravelBank cash after account opening and annually on your account anniversary, for a future United- or United Express-operated flight. TravelBank cash must be used for bookings on a United- or United Express-operated flight or as otherwise permitted by United, and the reservation must be made prior to the expiration date of the credit.",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$15 Monthly Instacart Credit",
     "description": "Receive one $10 Instacart credit and one $5 Instacart credit monthly, up to $180 total each calendar year, for purchases made directly through Instacart with your United Quest Card. You must have an active Instacart+ membership. Terms apply. Benefits end 12/31/27.",
     "type": "multiple",
     "annualValue": 180,
     "perCycleCap": 15,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$150 Renowned Hotels and Resorts Statement Credit",
     "description": "Receive up to $150 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Resorts for United Cardmembers with your United Quest Card. Annual statement credits will be issued for the year in which the transaction posts to your account.",
     "type": "multiple",
     "annualValue": 150,
     "perCycleCap": 150,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$150 JSX Statement Credit",
     "description": "Get up to $150 back as a statement credit each anniversary year when you book flights directly with JSX using your United Quest Card. JSX is a crowd-free hop-on jet service that offers you the perks of private jet travel without the private jet price tag.",
     "type": "multiple",
     "annualValue": 150,
     "perCycleCap": 150,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$8 Monthly Rideshare Credit",
     "description": "Enroll to receive up to $100 back as statement credits each calendar year on rideshare purchases when paying with your United Quest Card: up to $8 back as a statement credit each month from January through November and up to $12 back for the month of December. You must enroll each calendar year to receive this benefit.",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 8,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$80 Avis or Budget Travel Credit",
     "description": "Receive $40 in United TravelBank cash, up to $80 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with your United Quest Card. Each eligible rental must be booked for a minimum of 2 days, and the Primary Cardmember must include their MileagePlus number in their reservation.",
     "type": "multiple",
     "annualValue": 80,
     "perCycleCap": 80,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Global Entry/TSA PreCheck Credit",
     "description": "Receive a statement credit of up to $120 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck or NEXUS when charged to your card. Only purchases made directly with the U.S. Department of Homeland Security or authorized enrollment providers are eligible for reimbursement.",
     "type": "onetime",
     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 890,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Free First and Second Checked Bags",
     "description": "The primary Cardmember and one companion traveling on the same reservation are each eligible to receive their first and second standard checked bags free. To receive first and second standard checked bags free, the primary Cardmember must use their United Quest Card to purchase their ticket(s) and include their MileagePlus number in their reservation. Save up to $360 per roundtrip.",
     "type": "multiple",
     "annualValue": 360,
     "perCycleCap": 360,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 360
    },
    {
     "name": "Annual 10,000-mile Award Flight Discount",
     "description": "Starting with your first anniversary and every anniversary thereafter, you will get a 10,000-mile discount to use toward an eligible award flight. Award flight discounts can be applied to eligible award travel as long as greater than 10,000 miles are redeemed and are a discount on award travel flights mileage price.",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 100
    },
    {
     "name": "1,000 Card Bonus PQP",
     "description": "Get a jump start on earning Premier status with 1,000 Card Bonus Premier qualifying points (PQP) each year starting in 2026. Your Card Bonus PQP will be awarded within 6 to 8 weeks after February 1 each year. PQP can be applied toward your Premier status qualification, up to and including the Premier 1K level.",
     "type": "onetime",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "25% Back on United Inflight Purchases",
     "description": "You will receive 25% back, in the form of a credit card account statement credit, on purchases of food, beverages and Wi-Fi on board United and United Express-operated flights, and on premium drink purchases at United Clubs when you use your United Quest Card to make such purchases.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [
    {
     "name": "Priority Boarding",
     "description": "The primary Cardmember and companions traveling on the same reservation are eligible for priority boarding on United- and United Express-operated flights. To receive priority boarding, the primary Cardmember must include their MileagePlus number in their reservation. United Quest Cardmembers can board the plane before general boarding.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 12,
   "upstreamUpdated": "2025-06-22",
   "url": "https://uscreditcardrewards.com/cards/chase-united-quest"
  },
  {
   "slug": "choice-privileges-mastercard",
   "name": "Choice Privileges Mastercard",
   "issuer": "Wells Fargo",
   "issuerSlug": "wells-fargo",
   "issuerSite": "https://www.wellsfargo.com",
   "annualFee": 0,
   "network": "Mastercard",
   "currency": "Choice Privileges Points",
   "currencyFamily": "hotel",
   "foreignTransactionFee": false,
   "image": "/card-art/choice-privileges-mastercard.webp",
   "exploreCategory": "hotel",
   "welcomeBonus": {
    "headline": "60,000 bonus points",
    "requirement": "Spend $1,000 in 3 months"
   },
   "earn": [
    {
     "category": "Choice Hotels",
     "type": "travel",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Home Improvement",
     "type": "retail",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Internet, Cable & Phone Services",
     "type": "business",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "gas": {
     "category": "Gas",
     "rate": 3
    },
    "grocery": {
     "category": "Grocery",
     "rate": 3
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [],
   "status": [
    {
     "name": "Choice Privileges Gold Status",
     "description": "Receive 10 Elite night credits qualifying for at least Gold level status each calendar year as a cardholder. Gold status benefits include bonus points on stays, room upgrades when available, and late checkout at participating Choice Hotels properties.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 1,
   "upstreamUpdated": "2026-02-14",
   "url": "https://uscreditcardrewards.com/cards/choice-privileges-mastercard"
  },
  {
   "slug": "choice-privileges-select-mastercard",
   "name": "Choice Privileges Select Mastercard",
   "issuer": "Wells Fargo",
   "issuerSlug": "wells-fargo",
   "issuerSite": "https://www.wellsfargo.com",
   "annualFee": 95,
   "network": "Mastercard",
   "currency": "Choice Privileges Points",
   "currencyFamily": "hotel",
   "foreignTransactionFee": false,
   "image": "/card-art/choice-privileges-select-mastercard.webp",
   "exploreCategory": "hotel",
   "welcomeBonus": {
    "headline": "60,000 bonus points",
    "requirement": "Spend $3,000 in 3 months"
   },
   "earn": [
    {
     "category": "Choice Hotels",
     "type": "travel",
     "rate": 10,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Home Improvement",
     "type": "retail",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Internet, Cable & Phone Services",
     "type": "business",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "EV Charging",
     "type": "gas",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "gas": {
     "category": "Gas",
     "rate": 5
    },
    "grocery": {
     "category": "Grocery",
     "rate": 5
    }
   },
   "credits": [
    {
     "name": "$120 Global Entry or TSA PreCheck Fee Credit",
     "description": "Every 4 years, receive a statement credit of up to $120 when you use your card to pay for the application fee for Global Entry or TSA PreCheck.",
     "type": "onetime",
     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 30,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "30,000 Anniversary Bonus Points",
     "description": "Receive 30,000 bonus points every account anniversary, valued at approximately $180. Points are automatically credited to your Choice Privileges account.",
     "type": "multiple",
     "annualValue": 180,
     "perCycleCap": 180,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 180
    }
   ],
   "status": [
    {
     "name": "Choice Privileges Platinum Elite Status",
     "description": "Receive 20 Elite night credits each calendar year, qualifying for Platinum Elite status. Platinum Elite benefits include a 25% bonus on points earned from hotel stays, complimentary room upgrades when available, early check-in, and late checkout at participating Choice Hotels properties.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "calendar-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Cell Phone Protection",
     "description": "Cell phone protection of up to $800 per claim when you pay your monthly cell phone bill with the card. Subject to a deductible and limitations. Covers damage or theft of your cell phone.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": 800,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 4,
   "upstreamUpdated": "2026-02-14",
   "url": "https://uscreditcardrewards.com/cards/choice-privileges-select-mastercard"
  },
  {
   "slug": "citi-aadvantage-business-world-elite-mastercard",
   "name": "Citi / AAdvantage Business World Elite Mastercard",
   "issuer": "Citi",
   "issuerSlug": "citi",
   "issuerSite": "https://www.citi.com",
   "annualFee": 99,
   "network": "Mastercard",
   "currency": "AA AAdvantage Miles",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/citi-aadvantage-business-world-elite-mastercard.webp",
   "exploreCategory": "business",
   "welcomeBonus": {
    "headline": "Earn 65,000 American Airlines AAdvantage bonus miles after spending $4,000 in purchases within the first 4 months of account opening.",
    "requirement": "Spend $4,000 in purchases within the first 4 months."
   },
   "earn": [
    {
     "category": "Airline(AA)",
     "type": "other",
     "rate": 2,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Car Rental",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Internet, Cable & Phone Services",
     "type": "business",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 2,
   "bestGeneral": {
    "gas": {
     "category": "Gas",
     "rate": 2
    },
    "travel": {
     "category": "Car Rental",
     "rate": 2
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Companion Certificate",
     "description": "Earn an American Airlines Companion Certificate for qualifying domestic travel after you spend $30,000 or more in purchases each cardmembership year and renew the card. Redeeming the certificate costs $99 for the ticketing fee plus applicable taxes and fees.",
     "type": "onetime",
     "annualValue": 300,
     "perCycleCap": 300,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 30000,
     "isWelcome": false,
     "estimatedValue": 300
    },
    {
     "name": "First Checked Bag Free",
     "description": "First checked bag is free on domestic American Airlines itineraries for you and up to 4 travel companions traveling with you on the same reservation.",
     "type": "other",
     "annualValue": 80,
     "perCycleCap": 720,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 80
    },
    {
     "name": "25% Inflight Savings",
     "description": "25% savings (as a statement credit) on inflight Wi-Fi, food and beverage purchases on American Airlines flights when you use the card.",
     "type": "other",
     "annualValue": 25,
     "perCycleCap": 25,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 25
    },
    {
     "name": "Preferred Boarding",
     "description": "Preferred boarding (Group 5) on American Airlines flights for you and up to 4 companions on the same reservation.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [],
   "protection": [],
   "benefitCount": 4,
   "upstreamUpdated": "2026-07-04",
   "url": "https://uscreditcardrewards.com/cards/citi-aadvantage-business-world-elite-mastercard"
  },
  {
   "slug": "citi-aa-platinum-select",
   "name": "Citi AA Platinum Select",
   "issuer": "Citi",
   "issuerSlug": "citi",
   "issuerSite": "https://www.citi.com",
   "annualFee": 99,
   "network": "Mastercard",
   "currency": "American Airlines AAdvantage Miles",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/citi-aa-platinum-select.webp",
   "exploreCategory": "airline",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Airline(AA)",
     "type": "other",
     "rate": 2,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 2,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 2
    },
    "gas": {
     "category": "Gas",
     "rate": 2
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "American Airlines Flight Discount",
     "description": "Earn a $125 American Airlines Flight Discount certificate after you spend $20,000 or more in purchases during your cardmembership year and renew your card",
     "type": "multiple",
     "annualValue": 125,
     "perCycleCap": 125,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": true,
     "spendRequirement": 20000,
     "isWelcome": false,
     "estimatedValue": 125
    },
    {
     "name": "First Checked Bag Free",
     "description": "Your first checked bag is free on American Airlines domestic itineraries for you and up to 4 companions traveling on the same reservation",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 120,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 120
    },
    {
     "name": "Inflight Food Beverage Discount",
     "description": "Save 25% as a statement credit on inflight food and beverage purchases on American Airlines flights when you use your card",
     "type": "multiple",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "American Airlines Vacations Discount",
     "description": "Get a 10% discount on non-flight components of qualifying American Airlines Vacations travel packages",
     "type": "multiple",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [
    {
     "name": "Preferred Boarding",
     "description": "Eligible credit cardmembers will board after Priority boarding is complete, but before the rest of economy boarding. Up to 4 companions traveling with you are eligible",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 5,
   "upstreamUpdated": "2025-07-19",
   "url": "https://uscreditcardrewards.com/cards/citi-aa-platinum-select"
  },
  {
   "slug": "citi-aadvantage-globe",
   "name": "Citi AAdvantage Globe",
   "issuer": "Citi",
   "issuerSlug": "citi",
   "issuerSite": "https://www.citi.com",
   "annualFee": 350,
   "network": "Mastercard",
   "currency": "AA AAdvantage Miles",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/citi-aadvantage-globe.webp",
   "exploreCategory": "airline",
   "welcomeBonus": {
    "headline": "Earn 60,000 AAdvantage bonus miles after $4,000 in purchases in the first 3 months",
    "requirement": "Spend $4,000 in the first 3 months"
   },
   "earn": [
    {
     "category": "Hotel (AA.com)",
     "type": "travel",
     "rate": 6,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Airline(AA)",
     "type": "other",
     "rate": 3,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Transit",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 3,
   "bestGeneral": {
    "travel": {
     "category": "Transit",
     "rate": 2
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   },
   "credits": [
    {
     "name": "$240 Turo Credit",
     "description": "Earn up to $30 in statement credits for each eligible Turo trip completed when you use your card, for a total of up to $240 in statement credits annually.",
     "type": "multiple",
     "annualValue": 240,
     "perCycleCap": 30,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$100 Choice Credits",
     "description": "Earn up to $100 in statement credits annually on your choice of up to two of the following brands: 1stDibs, eligible AAdvantage Hotels bookings, Future Personal Training, and Live Nation. Up to $50 per brand.",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
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    {
     "name": "$100 Inflight Purchase Credit",
     "description": "Earn up to $100 in statement credits on inflight purchases when you use your card on American Airlines flights annually. Includes food, beverages, Wi-Fi, and other onboard purchases.",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$120 Global Entry/TSA PreCheck Credit",
     "description": "Receive a statement credit of up to $120 every 4 years as reimbursement for your Global Entry ($120) or TSA PreCheck application fee when charged to your card.",
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     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 470,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Companion Certificate",
     "description": "Receive an American Airlines Companion Certificate starting in your second cardmembership year, as long as your cardmembership is renewed. Valid for a qualifying single round-trip main cabin domestic flight. Redemption costs $99 for the ticketing fee, plus applicable taxes and fees based on itinerary.",
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     "annualValue": 300,
     "perCycleCap": 300,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
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    {
     "name": "First Checked Bag Free",
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     "perCycleCap": 720,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 80
    }
   ],
   "status": [
    {
     "name": "Admirals Club Globe Passes",
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     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Trip Cancellation/Interruption Insurance",
     "description": "Common Carrier Trip Cancellation and Trip Interruption protection when you purchase common carrier travel tickets with your card. Covers non-refundable expenses due to covered reasons such as illness, injury, or severe weather.",
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     "annualValue": 100,
     "perCycleCap": 100,
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     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
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     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
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    {
     "name": "Trip Delay Insurance",
     "description": "Trip Delay protection providing reimbursement for reasonable expenses including meals, accommodations, and essential items in the event of a covered trip delay when the fare is charged to the card.",
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     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Lost or Damaged Luggage Insurance",
     "description": "Lost or Damaged Luggage protection providing reimbursement when your luggage is lost, stolen, or damaged during transit on trips where the common carrier fare was charged to the card.",
     "type": "insurance",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "MasterRental Coverage",
     "description": "MasterRental Coverage for rental car collision and loss damage when you rent a vehicle and decline the rental company's collision damage waiver. Coverage for domestic rentals is secondary; international rentals may be primary. Rental period up to 31 consecutive days.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
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     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Extended Warranty Protection",
     "description": "Extended Warranty protection that extends the original manufacturer's warranty by up to one additional year on eligible items purchased entirely with the card.",
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     "annualValue": 25,
     "perCycleCap": 25,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Purchase Assurance Plus",
     "description": "Purchase Assurance Plus protects eligible new purchases made with the card against accidental damage or theft for 90 days from the date of purchase.",
     "type": "insurance",
     "annualValue": 25,
     "perCycleCap": 25,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 13,
   "upstreamUpdated": "2026-04-12",
   "url": "https://uscreditcardrewards.com/cards/citi-aadvantage-globe"
  },
  {
   "slug": "citi-costco-anywhere",
   "name": "Citi Costco Anywhere",
   "issuer": "Citi",
   "issuerSlug": "citi",
   "issuerSite": "https://www.citi.com",
   "annualFee": 0,
   "network": "Visa",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": false,
   "image": "/card-art/citi-costco-anywhere.webp",
   "exploreCategory": "everyday",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Gas(Costco)",
     "type": "gas",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 4,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "EV Charging",
     "type": "gas",
     "rate": 4,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Travel",
     "type": "travel",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Costco",
     "type": "grocery",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
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   ],
   "baseRate": 1,
   "bestGeneral": {
    "gas": {
     "category": "Gas",
     "rate": 4
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    "travel": {
     "category": "Travel",
     "rate": 3
    },
    "dining": {
     "category": "Dining",
     "rate": 3
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   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Travel and Emergency Assistance",
     "description": "24/7 travel and emergency assistance services including medical and legal referrals, emergency transportation arrangements, and emergency cash advances when traveling. Certain terms, limitations, and exclusions apply and services are administered by a third-party provider.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Annual Credit Card Reward Certificate",
     "description": "Receive an annual credit card reward certificate redeemable for cash or merchandise at U.S. Costco warehouses including Puerto Rico. Distributed annually once February billing statement closes and valid through December 31 of the year issued.",
     "type": "multiple",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Roadside Assistance Dispatch Service",
     "description": "24/7 roadside assistance dispatch service for vehicle breakdowns including towing, jump-starting, lockout assistance, and emergency fuel delivery. Certain terms, limitations, and exclusions apply and services are administered by a third-party provider.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Citi Concierge Service",
     "description": "24/7 concierge service to assist with travel arrangements, dining reservations, entertainment tickets, shopping, and everyday needs. Contact concierge experts at concierge@yourconciergecenter.com or 1-800-508-8930.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [
    {
     "name": "Citi Entertainment Access",
     "description": "Special access to purchase tickets to thousands of events including presale tickets and exclusive experiences for concerts, sporting events and dining experiences through Citi Entertainment program.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Worldwide Car Rental Insurance",
     "description": "Worldwide car rental insurance coverage for eligible rentals when you use your card to pay for the rental and decline the rental companys collision damage waiver. Certain terms, limitations, and exclusions apply and coverage is underwritten by Virginia Surety Company, Inc.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Travel Accident Insurance",
     "description": "Travel accident insurance coverage for eligible trips when common carrier tickets are purchased with your card. Provides coverage for accidental death or dismemberment during travel. Certain terms, limitations, and exclusions apply and coverage is underwritten by Virginia Surety Company, Inc.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Damage and Theft Purchase Protection",
     "description": "Purchase protection coverage for eligible items purchased with your card against damage or theft within a specified time period after purchase. Certain terms, limitations, exclusions and coverage limits apply and coverage is underwritten by Virginia Surety Company, Inc.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 8,
   "upstreamUpdated": "2025-06-19",
   "url": "https://uscreditcardrewards.com/cards/citi-costco-anywhere"
  },
  {
   "slug": "citi-dividend",
   "name": "Citi Dividend",
   "issuer": "Citi",
   "issuerSlug": "citi",
   "issuerSite": "https://www.citi.com",
   "annualFee": 0,
   "network": "Visa",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": true,
   "image": "/card-art/citi-dividend.webp",
   "exploreCategory": "everyday",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Gas",
     "type": "gas",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Home Improvement",
     "type": "retail",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "gas": {
     "category": "Gas",
     "rate": 5
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [],
   "status": [],
   "protection": [],
   "benefitCount": 0,
   "upstreamUpdated": "2026-02-15",
   "url": "https://uscreditcardrewards.com/cards/citi-dividend"
  },
  {
   "slug": "citi-prestige",
   "name": "Citi Prestige",
   "issuer": "Citi",
   "issuerSlug": "citi",
   "issuerSite": "https://www.citi.com",
   "annualFee": 495,
   "network": "Mastercard",
   "currency": "Citi ThankYou Points",
   "currencyFamily": "transferable",
   "foreignTransactionFee": false,
   "image": "/card-art/citi-prestige.webp",
   "exploreCategory": "travel",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Dining",
     "type": "dining",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Airlines",
     "type": "travel",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Hotels",
     "type": "travel",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Cruise",
     "type": "travel",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 5
    },
    "travel": {
     "category": "Airlines",
     "rate": 5
    }
   },
   "credits": [
    {
     "name": "$250 Annual Travel Credit",
     "description": "$250 annual credit for travel purchases",
     "type": "multiple",
     "annualValue": 250,
     "perCycleCap": 250,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 250,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Fourth Night Free",
     "description": "Free fourth night on hotel bookings paid for with points or cash, up to twice per year",
     "type": "multiple",
     "annualValue": 800,
     "perCycleCap": 400,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 800
    },
    {
     "name": "Global Entry/TSA PreCheck Credit",
     "description": "Statement credit every 5 years for Global Entry or TSA PreCheck application",
     "type": "onetime",
     "annualValue": 25,
     "perCycleCap": 100,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 25
    }
   ],
   "status": [
    {
     "name": "Priority Pass Select",
     "description": "Unlimited Priority Pass airport lounge access with two free guests",
     "type": "status",
     "annualValue": 100,
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   ],
   "protection": [
    {
     "name": "Cell Phone Protection",
     "description": "Coverage up to $800 per claim with $50 deductible, covers theft and damage",
     "type": "insurance",
     "annualValue": 800,
     "perCycleCap": 800,
     "cycle": "annual",
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   ],
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   "slug": "citi-strata",
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    {
     "category": "Gas",
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    {
     "category": "EV Charging",
     "type": "gas",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Transit",
     "type": "travel",
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    {
     "category": "Dining",
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   "status": [
    {
     "name": "Mastercard ID Theft Protection",
     "description": "Complimentary Mastercard ID Theft Protection: monitors personal information you choose to protect and alerts you if suspicious activity is found. Enrollment required.",
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   "slug": "citi-strata-elite",
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     "category": "Airline(CitiTravel)",
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     "name": "Annual Blacklane Credit",
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     "name": "Global Entry or TSA PreCheck Credit",
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    {
     "name": "American Airlines Admirals Club Passes",
     "description": "Four Admirals Club passes each calendar year for access to nearly 50 Admirals Club lounges worldwide",
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     "name": "Priority Pass Select Membership",
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    {
     "name": "Mastercard World Legend Benefits",
     "description": "Priority reservations at sought-after restaurants and ticketing access across music, theater, and sporting events globally",
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     "name": "The Reserve by Citi Travel Benefits",
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    {
     "name": "Citi Entertainment Access",
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    {
     "name": "Travel and Shopping Protections",
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    {
     "category": "Grocery",
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    {
     "category": "Gas",
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    {
     "category": "EV Charging",
     "type": "gas",
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     "category": "Other",
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   },
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     "name": "Annual Hotel Benefit",
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     "name": "MasterRental Coverage",
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    {
     "name": "Trip Cancellation/Interruption Insurance",
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    },
    {
     "name": "Trip Delay Insurance",
     "description": "Coverage for additional expenses due to trip delays",
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    {
     "name": "Lost or Damaged Luggage Insurance",
     "description": "Coverage for lost or damaged luggage during travel",
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   ],
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  {
   "slug": "citi-thankyou-preferred",
   "name": "Citi ThankYou Preferred",
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   "foreignTransactionFee": true,
   "image": "/card-art/citi-thankyou-preferred.webp",
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    "headline": "Earn 15,000 ThankYou Points after spending $1,000 in first 3 months",
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     "category": "Dining",
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     "rate": 2,
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    {
     "category": "Entertainment",
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    {
     "category": "Other",
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   ],
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    {
     "name": "Citi Private Pass",
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     "name": "Extended Warranty",
     "description": "Get an extra 24 months added to your manufacturer's warranty when you purchase items with your Citi card and/or ThankYou Points. If your eligible item breaks, coverage will repair, reimburse, or replace it up to the amount charged or $10,000 per item, whichever is less. Total coverage cannot exceed 7 years from purchase date. Provided by Virginia Surety Company, Inc.",
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     "name": "Damage & Theft Purchase Protection",
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   ],
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  {
   "slug": "discover-it",
   "name": "Discover it",
   "issuer": "Discover",
   "issuerSlug": "discover",
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   "network": "Discover",
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     "category": "Airlines",
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     "rate": 5,
     "scope": "general",
     "portalOnly": false
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    {
     "category": "Gas",
     "type": "gas",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
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    {
     "category": "Drugstore",
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     "rate": 5,
     "scope": "brand",
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    {
     "category": "Transit",
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     "portalOnly": false
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    {
     "category": "EV Charging",
     "type": "gas",
     "rate": 5,
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     "category": "Other",
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   "perks": [
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     "name": "Free FICO Credit Score",
     "description": "Free access to your FICO credit score for cardmembers. The credit scorecard offers free access to your FICO credit score, allowing you to track and improve one of the most important metrics associated with your credit.",
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    {
     "name": "Freeze it Feature",
     "description": "Turn your account on/off with Freeze it. If you misplace your card, you can prevent new purchases, cash advances and balance transfers in seconds with the Freeze it on/off switch on our mobile app and website. When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers.",
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     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Drugstore",
     "type": "other",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Transit",
     "type": "travel",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "EV Charging",
     "type": "gas",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 5,
   "bestGeneral": {
    "travel": {
     "category": "Airlines",
     "rate": 5
    },
    "gas": {
     "category": "Gas",
     "rate": 5
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Cashback Match",
     "description": "Discover will automatically match all the cash back you earn at the end of your first year after you open your new Discover More card. So if you earn $50 cash back, we will give you another $50. There is no limit to how much we will match.",
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     "annualValue": 0,
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     "cycleLabel": "Once a year",
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     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Free FICO Credit Score",
     "description": "Free access to your FICO credit score for cardmembers. The credit scorecard offers free access to your FICO credit score, allowing you to track and improve one of the most important metrics associated with your credit.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Freeze it Feature",
     "description": "Turn your account on/off with Freeze it. If you misplace your card, you can prevent new purchases, cash advances and balance transfers in seconds with the Freeze it on/off switch on our mobile app and website. When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
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     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Online Privacy Protection",
     "description": "We will help you regularly remove your personal info from select people-search websites that could sell your data. It is free, activate with the Discover app. About every 90 days we will scan at least 10 people-search sites for your online personal information and help you submit opt-out requests.",
     "type": "other",
     "annualValue": 0,
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     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
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    },
    {
     "name": "Free Social Security Number Alerts",
     "description": "Get an alert if we find your Social Security Number on any of thousands of Dark Web sites. Activate for free. The Alerts currently provide daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security Number is found on such a website.",
     "type": "other",
     "annualValue": 0,
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   ],
   "status": [],
   "protection": [
    {
     "name": "$0 Fraud Liability Guarantee",
     "description": "You are never responsible for unauthorized purchases on your Discover Card. An unauthorized purchase is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges.",
     "type": "insurance",
     "annualValue": 0,
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   ],
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  },
  {
   "slug": "doordash-rewards-mastercard",
   "name": "DoorDash Rewards Mastercard",
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   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 0,
   "network": "Mastercard",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": false,
   "image": "/card-art/doordash-rewards-mastercard.webp",
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    "headline": "Complimentary year of DashPass",
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   },
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    {
     "category": "DoorDash",
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     "portalOnly": false
    },
    {
     "category": "Dining",
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     "rate": 3,
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     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
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    "dining": {
     "category": "Dining",
     "rate": 3
    },
    "grocery": {
     "category": "Grocery",
     "rate": 2
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   },
   "credits": [
    {
     "name": "$5 Monthly Lyft Credit",
     "description": "Earn a $5 Lyft credit after taking 3 rides in one calendar month when paying with your DoorDash Rewards Mastercard. World Elite Mastercard benefit.",
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     "cycleLabel": "Monthly",
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     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 60,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Annual DashPass with $10K Spend",
     "description": "Cardmembers who spend $10,000 on their DoorDash Rewards Mastercard within an anniversary year receive 12 months of complimentary DashPass. DashPass members enjoy $0 delivery fees, reduced service fees, and 5% back on eligible pickup orders.",
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     "isWelcome": false,
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    },
    {
     "name": "Complimentary DashPass (First Year)",
     "description": "Get 12 months of complimentary DashPass upon account opening. DashPass members enjoy $0 delivery fees, reduced service fees, and 5% back on eligible pickup orders on DoorDash and Caviar. Up to one authorized user also receives complimentary access. Auto-renews at annual rate unless cancelled.",
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     "annualValue": 96,
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     "conditional": false,
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   ],
   "status": [],
   "protection": [
    {
     "name": "Cell Phone Protection",
     "description": "Coverage provided by New Hampshire Insurance Company (AIG) when you pay your monthly cell phone bill with your card. Covers damage or theft of your cell phone. Policy is secondary coverage.",
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     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
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     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
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    },
    {
     "name": "Auto Rental Collision Damage Waiver",
     "description": "Reimburses you for damage due to collision or theft when you rent a vehicle for personal use and decline the rental company's collision damage waiver. Secondary coverage in the U.S.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
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    },
    {
     "name": "Purchase Protection",
     "description": "Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.",
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     "perCycleCap": 500,
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     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
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    },
    {
     "name": "Extended Warranty Protection",
     "description": "Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years total from the date of purchase.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
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     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
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    },
    {
     "name": "Trip Cancellation/Interruption Insurance",
     "description": "You can be reimbursed up to $1,500 per covered traveler and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather or other covered situations.",
     "type": "insurance",
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     "resetsOn": "cardmember-year",
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     "verifiedCredit": false,
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     "isWelcome": false
    }
   ],
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   "url": "https://uscreditcardrewards.com/cards/doordash-rewards-mastercard"
  },
  {
   "slug": "frontier-airlines-world-mastercard",
   "name": "Frontier Airlines World Mastercard",
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   "issuerSlug": "barclays",
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   "network": "Mastercard",
   "currency": "Frontier Miles",
   "currencyFamily": "airline",
   "foreignTransactionFee": false,
   "image": "/card-art/frontier-airlines-world-mastercard.webp",
   "exploreCategory": "airline",
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    "headline": "Up to 60,000 miles",
    "requirement": "40K after $500 spend + paying annual fee within 90 days; 20K more after $2,000 spend within 180 days"
   },
   "earn": [
    {
     "category": "Frontier Airlines",
     "type": "travel",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
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     "rate": 3
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   },
   "credits": [
    {
     "name": "$100 Flight Voucher",
     "description": "Earn a $100 flight voucher each account anniversary year when you spend $2,500 or more on the card during your membership year.",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 100,
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    }
   ],
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   "perks": [
    {
     "name": "Free Checked Bags",
     "description": "2 free checked bags on Frontier Airlines flights for the primary cardholder on the same reservation (up to 50 lbs, per traveler, per direction).",
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     "annualValue": 200,
     "perCycleCap": 200,
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     "verifiedCredit": false,
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    },
    {
     "name": "Award Redemption Fee Waiver",
     "description": "Taxes, fees, and carrier-imposed charges on award flights booked with your card are reimbursed as a statement credit.",
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     "annualValue": 30,
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     "verifiedCredit": false,
     "conditional": false,
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    },
    {
     "name": "Zone 2 Priority Boarding",
     "description": "Complimentary Zone 2 priority boarding on all Frontier flights for the cardholder and companions on the same reservation.",
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    },
    {
     "name": "Elite Status Point Earning",
     "description": "Earn 1 Elite Status Qualifying Point per $1 spent on card purchases, helping you qualify for Elite 20K, 50K, 100K, or Diamond status.",
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    },
    {
     "name": "No Foreign Transaction Fees",
     "description": "No foreign transaction fees when making purchases outside the United States.",
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     "conditional": false,
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    },
    {
     "name": "0% Intro APR on Balance Transfers",
     "description": "0% intro APR for 15 months on balance transfers made within 45 days of account opening; then variable APR applies.",
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     "perCycleCap": null,
     "cycle": "annual",
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     "resetsOn": "cardmember-year",
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    }
   ],
   "status": [
    {
     "name": "Elite Gold Status",
     "description": "Automatic Frontier Elite Gold status for the first 90 days after your first purchase; extended for a full 12 months if you spend $3,000 in the first 90 days. Elite Gold includes free seat selection, no award redemption fees, and priority boarding.",
     "type": "status",
     "annualValue": 100,
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     "cycle": "annual",
     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
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     "verifiedCredit": false,
     "conditional": false,
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     "isWelcome": false
    }
   ],
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   "upstreamUpdated": "2026-04-18",
   "url": "https://uscreditcardrewards.com/cards/frontier-airlines-world-mastercard"
  },
  {
   "slug": "gap-encore-mastercard",
   "name": "Gap Encore Mastercard",
   "issuer": "Barclays",
   "issuerSlug": "barclays",
   "issuerSite": "https://www.barclaycardus.com",
   "annualFee": 0,
   "network": "Mastercard",
   "currency": "Gap Encore Points",
   "currencyFamily": "store",
   "foreignTransactionFee": true,
   "image": "/card-art/gap-encore-mastercard.webp",
   "exploreCategory": "others",
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   "earn": [
    {
     "category": "Gap",
     "type": "retail",
     "rate": 25,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Clothing",
     "type": "retail",
     "rate": 15,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 5,
   "bestGeneral": {},
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   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Choose-Your-Own Sale Day",
     "description": "Choose your own sale day once per year: an All-Access exclusive personalized 20% off discount you can apply to a shopping day of your choice at Gap Inc. brands.",
     "type": "onetime",
     "annualValue": 20,
     "perCycleCap": 20,
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     "timesPerYear": 1,
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     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
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    },
    {
     "name": "Birthday Gift",
     "description": "Receive a birthday gift each year, with gifts you can use to shop for yourself and up to three family members.",
     "type": "onetime",
     "annualValue": 10,
     "perCycleCap": 10,
     "cycle": "annual",
     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
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    },
    {
     "name": "60-Day Extended Returns",
     "description": "Extended return window of up to 60 days from purchase at Gap Inc. brands (merchandise credit issued after 30 days).",
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     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
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     "resetsOn": "cardmember-year",
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     "verifiedCredit": false,
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    },
    {
     "name": "Encore Market Access",
     "description": "Access the Encore Market: rotating exclusive offerings including never-before-sold and limited-run products, signed designer merchandise, entertainment experiences (AMC, Live Nation), charitable donations, and VIP brand events redeemable with points.",
     "type": "other",
     "annualValue": 0,
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     "cycle": "annual",
     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
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     "verifiedCredit": false,
     "conditional": false,
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    },
    {
     "name": "Complimentary FICO Credit Score",
     "description": "Keep an eye on your credit with complimentary online access to your FICO Credit Score.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
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     "resetsOn": "cardmember-year",
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    }
   ],
   "status": [
    {
     "name": "Free Standard Shipping",
     "description": "As an All-Access Encore member, get free standard shipping on orders of $35 or more at Gap, Old Navy, Banana Republic and Athleta when you pay with your Encore Mastercard (vs. the $50 threshold for non-cardmembers).",
     "type": "status",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
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    },
    {
     "name": "Free Basic Alterations",
     "description": "Free basic alterations (hemming) on eligible apparel purchased at Banana Republic in-store or online, exclusive to All-Access Encore cardmembers.",
     "type": "status",
     "annualValue": 25,
     "perCycleCap": 25,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Early Access to Collections & Drops",
     "description": "Early access to shop limited collections, drops and select sales before the general public, exclusive to All-Access Encore members.",
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     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 8,
   "upstreamUpdated": "2026-07-17",
   "url": "https://uscreditcardrewards.com/cards/gap-encore-mastercard"
  },
  {
   "slug": "hsbc-elite",
   "name": "HSBC Elite",
   "issuer": "HSBC",
   "issuerSlug": "hsbc",
   "issuerSite": "https://www.us.hsbc.com",
   "annualFee": 495,
   "network": "Mastercard",
   "currency": "HSBC Rewards Points",
   "currencyFamily": "bank",
   "foreignTransactionFee": false,
   "image": "/card-art/hsbc-elite.webp",
   "exploreCategory": "travel",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Travel",
     "type": "travel",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "travel": {
     "category": "Travel",
     "rate": 5
    },
    "dining": {
     "category": "Dining",
     "rate": 2
    }
   },
   "credits": [
    {
     "name": "HSBC Travel Credit",
     "description": "Earn up to $400 of travel credits per year for all airfares, hotels and car rentals booked through HSBC Travel powered by Priceline. This credit automatically applies when you book eligible travel through the HSBC Travel portal.",
     "type": "multiple",
     "annualValue": 400,
     "perCycleCap": 400,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$10 Monthly Instacart+ Credit",
     "description": "Get up to $140 annually with Instacart+. When you sign up as a new member, receive 2 free months of Instacart+ and $10 off your second order each month when you use your HSBC Elite credit card.",
     "type": "multiple",
     "annualValue": 140,
     "perCycleCap": 10,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$10 Monthly Rideshare Credit",
     "description": "Earn up to $120 in statement credits annually on taxis, cabs and rideshare. Use your Elite credit card to pay for your rideshare and automatically receive $10 each month when you make qualifying rideshare purchases.",
     "type": "multiple",
     "annualValue": 120,
     "perCycleCap": 10,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Global Entry/TSA PreCheck Credit",
     "description": "Speed up airport screening with up to $120 towards Global Entry, TSA Precheck, TSA Precheck by Clear, or NEXUS once every 4.5 years. This statement credit applies automatically when you use your Elite credit card to pay for these trusted traveler programs.",
     "type": "onetime",
     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 690,
   "conditionalTotal": 0,
   "perks": [],
   "status": [
    {
     "name": "Priority Pass Lounge Access",
     "description": "Elevate your airport experience with complimentary and unlimited lounge access for the cardholder and up to 2 guests worth more than $469 annually with Priority Pass. Access more than 1,700+ eligible airport lounges and travel experiences worldwide.",
     "type": "status",
     "annualValue": 469,
     "perCycleCap": 469,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Cell Phone Protection",
     "description": "Claim up to $800 if your cellphone is stolen or damaged using Cellular Wireless Telephone Protection. Coverage applies when you pay your monthly wireless bill with your HSBC Elite credit card.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": 800,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Purchase Assurance",
     "description": "Purchase Assurance covers most purchases from damage or theft within 90 days of purchase up to $1,000 per occurrence and $50,000 per account per calendar year when you pay for eligible items with the card.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": 1000,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 7,
   "upstreamUpdated": "2025-06-17",
   "url": "https://uscreditcardrewards.com/cards/hsbc-elite"
  },
  {
   "slug": "hsbc-premier",
   "name": "HSBC Premier",
   "issuer": "HSBC",
   "issuerSlug": "hsbc",
   "issuerSite": "https://www.us.hsbc.com",
   "annualFee": 95,
   "network": "Mastercard",
   "currency": "HSBC Rewards Points",
   "currencyFamily": "bank",
   "foreignTransactionFee": false,
   "image": "/card-art/hsbc-premier.webp",
   "exploreCategory": "travel",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Gas",
     "type": "gas",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Travel",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "gas": {
     "category": "Gas",
     "rate": 3
    },
    "grocery": {
     "category": "Grocery",
     "rate": 3
    },
    "travel": {
     "category": "Travel",
     "rate": 2
    }
   },
   "credits": [
    {
     "name": "$10 Monthly Instacart+ Credit",
     "description": "Get up to $140 annually with Instacart+. When you sign up as a new member, receive 2 free months of Instacart+ and $10 off your second order each month when you use your HSBC Premier credit card.",
     "type": "multiple",
     "annualValue": 140,
     "perCycleCap": 10,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Global Entry/TSA PreCheck Credit",
     "description": "Speed up airport screening with up to $85 towards Global Entry, TSA PreCheck, TSA PreCheck by Clear, or NEXUS once every 4.5 years. This statement credit applies automatically when you use your Premier credit card to pay for these trusted traveler programs.",
     "type": "onetime",
     "annualValue": 85,
     "perCycleCap": 85,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$5 Monthly TV Streaming Credit",
     "description": "Receive up to $60 in statement credits annually when you pay for your TV streaming subscription. You will automatically receive up to $5 each month when you pay for your streaming subscription using your Premier Credit Card.",
     "type": "multiple",
     "annualValue": 60,
     "perCycleCap": 5,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$5 Monthly Lyft Credit",
     "description": "Take 3 rides, and get a $5 Lyft App credit every month with your Premier credit card. Use your HSBC Premier credit card to pay for your rideshare and automatically receive $5 each month when you make qualifying rideshare purchases.",
     "type": "multiple",
     "annualValue": 60,
     "perCycleCap": 5,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 345,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Booking.com Discount",
     "description": "Make the most of your travel. Get up to 7% off prepaid bookings for accommodation when you book with your HSBC Premier Credit Card through Booking.com.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [
    {
     "name": "ShopRunner Membership",
     "description": "Complimentary ShopRunner membership worth $79 annually. Shop your favorite items and top deals all in one place. Plus, sign up for a complimentary ShopRunner membership to enjoy free 2-day shipping, exclusive discounts and more.",
     "type": "status",
     "annualValue": 79,
     "perCycleCap": 79,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Cell Phone Protection",
     "description": "Cellular Wireless Telephone Protection provides reimbursements up to $600 per claim if your cellphone is stolen or damaged when you pay your monthly wireless bill with your HSBC Premier credit card.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": 600,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Purchase Assurance",
     "description": "Purchase Assurance covers most purchases from damage or theft within 90 days of purchase up to $1,000 per occurrence when you pay for eligible items with the card.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": 1000,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Mastercard ID Theft Protection",
     "description": "Mastercard ID Theft Protection and Identity Fraud Expense Reimbursement provide support and expense reimbursement if your identity is compromised through identity fraud.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
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   "upstreamUpdated": "2025-06-21",
   "url": "https://uscreditcardrewards.com/cards/hsbc-premier"
  },
  {
   "slug": "instacart-mastercard",
   "name": "Instacart Mastercard",
   "issuer": "Chase",
   "issuerSlug": "chase",
   "issuerSite": "https://www.chase.com",
   "annualFee": 0,
   "network": "Mastercard",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": false,
   "image": "/card-art/instacart-mastercard.webp",
   "exploreCategory": "grocery",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Instacart",
     "type": "other",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Travel (ChaseTravel)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Streaming Service",
     "type": "streaming",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 5,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 2
    },
    "gas": {
     "category": "Gas",
     "rate": 2
    },
    "streaming": {
     "category": "Streaming Service",
     "rate": 2
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [],
   "status": [
    {
     "name": "World Elite Concierge",
     "description": "A complimentary 24/7 concierge service that acts as a relentless personal assistant. Reserve that perfect table, locate hard-to-find items and more. Cardmembers are responsible for the cost of any goods or services purchased through World Elite Concierge.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Purchase Protection",
     "description": "Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item. Restrictions, limitations and exclusions apply.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Extended Warranty Protection",
     "description": "Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase. Restrictions, limitations and exclusions apply.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Auto Rental Coverage",
     "description": "Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance. Restrictions, limitations and exclusions apply.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Travel Accident Insurance",
     "description": "When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive up to $500,000 in accidental death or dismemberment coverage. Restrictions, limitations and exclusions apply.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 5,
   "upstreamUpdated": "2025-07-02",
   "url": "https://uscreditcardrewards.com/cards/instacart-mastercard"
  },
  {
   "slug": "kroger-rewards-world-elite-mastercard",
   "name": "Kroger Rewards World Elite Mastercard",
   "issuer": "U.S. Bank",
   "issuerSlug": "us-bank",
   "issuerSite": null,
   "annualFee": 0,
   "network": "Mastercard",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": false,
   "image": "/card-art/kroger-rewards-world-elite-mastercard.webp",
   "exploreCategory": "grocery",
   "welcomeBonus": {
    "headline": "$100 statement credit",
    "requirement": "Spend $500 in net purchases within 90 days of account opening"
   },
   "earn": [
    {
     "category": "Mobile Wallet",
     "type": "other",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Kroger Pay",
     "type": "other",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Kroger",
     "type": "grocery",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 5,
   "bestGeneral": {},
   "credits": [],
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   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Free Boost Essential Membership",
     "description": "New cardmembers receive a free Boost Essential membership (valued at $69/year) upon enrollment. Boost membership provides fuel points discounts and free delivery benefits at Kroger Family of Companies stores. First year only for new cardmembers.",
     "type": "onetime",
     "annualValue": 69,
     "perCycleCap": 69,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 69
    },
    {
     "name": "Lowest Hotel Rate Guarantee",
     "description": "Mastercard Lowest Hotel Rate Guarantee refunds rate differences on qualifying prepaid hotel bookings made through Mastercard Travel & Lifestyle Services. Access to 24/7 Lifestyle Manager for travel planning assistance.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [],
   "protection": [
    {
     "name": "Mastercard ID Theft Protection",
     "description": "Mastercard ID Theft Protection provides dark web monitoring, compromised credential alerts, and identity theft resolution services. Requires enrollment at mastercardus.idprotectiononline.com. Available to all World Elite Mastercard holders.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 3,
   "upstreamUpdated": "2026-04-12",
   "url": "https://uscreditcardrewards.com/cards/kroger-rewards-world-elite-mastercard"
  },
  {
   "slug": "macys-american-express-card",
   "name": "Macy's American Express Card",
   "issuer": "Citi",
   "issuerSlug": "citi",
   "issuerSite": "https://www.citi.com",
   "annualFee": 0,
   "network": "American Express",
   "currency": "Macy's Star Rewards",
   "currencyFamily": "store",
   "foreignTransactionFee": true,
   "image": "/card-art/macys-american-express-card.webp",
   "exploreCategory": "others",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Macy's",
     "type": "retail",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 3
    },
    "gas": {
     "category": "Gas",
     "rate": 2
    },
    "grocery": {
     "category": "Grocery",
     "rate": 2
    }
   },
   "credits": [],
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   "conditionalTotal": 0,
   "perks": [],
   "status": [],
   "protection": [],
   "benefitCount": 0,
   "upstreamUpdated": "2026-04-07",
   "url": "https://uscreditcardrewards.com/cards/macys-american-express-card"
  },
  {
   "slug": "mgm-rewards-iconic-world-elite",
   "name": "MGM Rewards Iconic World Elite",
   "issuer": "First National Bank of Omaha",
   "issuerSlug": "first-national-bank-of-omaha",
   "issuerSite": "https://www.card.fnbo.com/mgmrewards",
   "annualFee": 249,
   "network": "Mastercard",
   "currency": "MGM Rewards Points",
   "currencyFamily": "hotel",
   "foreignTransactionFee": false,
   "image": "/card-art/mgm-rewards-iconic-world-elite.webp",
   "exploreCategory": "hotel",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "MGM Resorts",
     "type": "travel",
     "rate": 6,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Hotels",
     "type": "travel",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
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    {
     "category": "Gas",
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     "rate": 2,
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     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
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    {
     "category": "Other",
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    {
     "name": "Trip Cancellation & Delay Insurance",
     "description": "Trip Cancellation/Interruption and Trip Delay coverage, plus MasterAssist travel assistance, when you pay for travel with your Card. Enrollment/terms apply.",
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     "name": "Auto Rental Collision Damage Waiver",
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     "category": "EV Charging",
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     "name": "5% Off at Nordstrom Rack",
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    }
   ],
   "benefitCount": 7,
   "upstreamUpdated": "2026-04-12",
   "url": "https://uscreditcardrewards.com/cards/nordstrom-visa-credit-card"
  },
  {
   "slug": "onepay-cashrewards-card",
   "name": "OnePay CashRewards Card",
   "issuer": "Synchrony Bank",
   "issuerSlug": "synchrony-bank",
   "issuerSite": "https://www.synchrony.com",
   "annualFee": 0,
   "network": "Mastercard",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": false,
   "image": "/card-art/onepay-cashrewards-card.webp",
   "exploreCategory": "grocery",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Walmart",
     "type": "grocery",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1.5,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1.5,
   "bestGeneral": {},
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Walmart+ 5% Cash Back Boost",
     "description": "Earn 5% cash back at U.S. Walmart stores and Walmart.com (instead of the standard 3%) when you link an active Walmart+ membership to your OnePay account. Walmart+ is a paid membership sold separately by Walmart. The boost applies for as long as the membership stays active and linked — if it lapses, the Walmart rate reverts to 3%.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "No Foreign Transaction Fees",
     "description": "No foreign transaction fees on purchases made outside the United States. Non-USD transactions are converted to U.S. dollars using the exchange rate in effect on the transaction or processing date.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Free Credit Score Monitoring",
     "description": "Free credit score monitoring available in the OnePay app at no additional cost.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    },
    {
     "name": "Mastercard World Benefits",
     "description": "The card is issued on the Mastercard World tier, which carries Mastercard International's standard World benefit package including Zero Liability fraud protection and Mastercard ID Theft Protection. Specific coverages are set by Mastercard and can change — check your Guide to Benefits for current terms.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [],
   "protection": [],
   "benefitCount": 4,
   "upstreamUpdated": "2026-09-05",
   "url": "https://uscreditcardrewards.com/cards/onepay-cashrewards-card"
  },
  {
   "slug": "paypal-credit-card",
   "name": "Paypal Credit Card",
   "issuer": "Synchrony Bank",
   "issuerSlug": "synchrony-bank",
   "issuerSite": "https://www.synchrony.com",
   "annualFee": 0,
   "network": "Mastercard",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": true,
   "image": "/card-art/paypal-credit-card.webp",
   "exploreCategory": "everyday",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "PayPal",
     "type": "other",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1.5,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 3,
   "bestGeneral": {},
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [],
   "status": [],
   "protection": [],
   "benefitCount": 0,
   "upstreamUpdated": "2026-02-14",
   "url": "https://uscreditcardrewards.com/cards/paypal-credit-card"
  },
  {
   "slug": "pnc-cash-rewards",
   "name": "PNC Cash Rewards",
   "issuer": "PNC Bank",
   "issuerSlug": "pnc-bank",
   "issuerSite": "https://www.pnc.com",
   "annualFee": 0,
   "network": "Visa",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": true,
   "image": "/card-art/pnc-cash-rewards.webp",
   "exploreCategory": "everyday",
   "welcomeBonus": {
    "headline": "$200 statement credit",
    "requirement": "Spend $1,000 in purchases within first 3 billing cycles"
   },
   "earn": [
    {
     "category": "Gas",
     "type": "gas",
     "rate": 4,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "gas": {
     "category": "Gas",
     "rate": 4
    },
    "dining": {
     "category": "Dining",
     "rate": 3
    },
    "grocery": {
     "category": "Grocery",
     "rate": 2
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [],
   "status": [],
   "protection": [
    {
     "name": "Cell Phone Protection",
     "description": "Cell phone protection covers up to $800 per claim if your cell phone is damaged or stolen, when you pay your monthly cell phone bill with your PNC Cash Rewards card. Subject to a $25 deductible per claim. Maximum 2 claims per 12-month period.",
     "type": "insurance",
     "annualValue": 50,
     "perCycleCap": 800,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 1,
   "upstreamUpdated": "2026-04-12",
   "url": "https://uscreditcardrewards.com/cards/pnc-cash-rewards"
  },
  {
   "slug": "rakuten-american-express-card",
   "name": "Rakuten American Express Card",
   "issuer": "American Express",
   "issuerSlug": "american-express",
   "issuerSite": "https://www.americanexpress.com",
   "annualFee": 0,
   "network": "Amex",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": false,
   "image": "/card-art/rakuten-american-express-card.webp",
   "exploreCategory": "everyday",
   "welcomeBonus": {
    "headline": "$200 cash back",
    "requirement": "Spend $2,000 in first 90 days of account opening"
   },
   "earn": [
    {
     "category": "Rakuten",
     "type": "other",
     "rate": 4,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 4,
   "bestGeneral": {
    "grocery": {
     "category": "Grocery",
     "rate": 2
    },
    "dining": {
     "category": "Dining",
     "rate": 2
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [],
   "status": [],
   "protection": [
    {
     "name": "Purchase Protection",
     "description": "Retail Protection covers eligible items purchased with the card if they are damaged or stolen within 90 days of purchase. Coverage up to $1,000 per item and $50,000 per account per calendar year.",
     "type": "insurance",
     "annualValue": 50,
     "perCycleCap": 1000,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Extended Warranty",
     "description": "Extends the original manufacturer's warranty by up to 12 months on eligible purchases. Coverage up to $10,000 per item. Applies to items with existing manufacturer warranties of 5 years or less.",
     "type": "insurance",
     "annualValue": 0,
     "perCycleCap": 10000,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 2,
   "upstreamUpdated": "2026-04-12",
   "url": "https://uscreditcardrewards.com/cards/rakuten-american-express-card"
  },
  {
   "slug": "robinhood-gold-card",
   "name": "Robinhood Gold Card",
   "issuer": "Robinhood Credit",
   "issuerSlug": "robinhood-credit",
   "issuerSite": "https://robinhood.com/us/en/support/articles/robinhood-gold-card/",
   "annualFee": 0,
   "network": "Visa",
   "currency": "Robinhood Gold Points",
   "currencyFamily": "bank",
   "foreignTransactionFee": false,
   "image": "/card-art/robinhood-gold-card.webp",
   "exploreCategory": "everyday",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Travel(Robinhood)",
     "type": "other",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 5,
   "bestGeneral": {},
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "1% IRA Match",
     "description": "Robinhood matches 1% of your IRA contributions up to $200 per year when you have an active Robinhood Gold Card",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": 200
    }
   ],
   "status": [
    {
     "name": "Robinhood Gold Membership",
     "description": "Complimentary Robinhood Gold membership (normally $5/month) including access to professional research, level II market data, and larger instant deposits",
     "type": "status",
     "annualValue": 60,
     "perCycleCap": 60,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Cell Phone Protection",
     "description": "Up to $1,000 coverage for cell phone damage or theft when you pay your monthly cell phone bill with your Robinhood Gold Card",
     "type": "insurance",
     "annualValue": 1000,
     "perCycleCap": 1000,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 3,
   "upstreamUpdated": "2025-07-06",
   "url": "https://uscreditcardrewards.com/cards/robinhood-gold-card"
  },
  {
   "slug": "robinhood-platinum-card",
   "name": "Robinhood Platinum Card",
   "issuer": "Robinhood Credit",
   "issuerSlug": "robinhood-credit",
   "issuerSite": "https://robinhood.com/us/en/support/articles/robinhood-gold-card/",
   "annualFee": 695,
   "network": "Visa",
   "currency": "Robinhood Gold Points",
   "currencyFamily": "bank",
   "foreignTransactionFee": false,
   "image": "/card-art/robinhood-platinum-card.webp",
   "exploreCategory": "dining",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Hotels&Cars(Robinhood)",
     "type": "travel",
     "rate": 10,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Airline(Robinhood)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 5
    }
   },
   "credits": [
    {
     "name": "$500 Hotel Booking Credit",
     "description": "Up to $500 in hotel credits each year. Receive one $250 credit every six months for luxury hotel bookings through the Robinhood travel portal (2-night minimum). Up to $100 applicable to standard bookings. Credits do not roll over.",
     "type": "multiple",
     "annualValue": 500,
     "perCycleCap": 250,
     "cycle": "semi-annual",
     "cycleLabel": "Twice a year",
     "timesPerYear": 2,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$300 Annual Travel Credit",
     "description": "Up to $300 in travel credits each year. Receive one $150 credit every six months, valid on rideshares, hotels, flights, and other travel purchases. No portal requirement. Credits do not roll over.",
     "type": "multiple",
     "annualValue": 300,
     "perCycleCap": 150,
     "cycle": "semi-annual",
     "cycleLabel": "Twice a year",
     "timesPerYear": 2,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$20 Monthly Autonomous Rides Credit",
     "description": "Up to $250 in autonomous ride credits each year. Receive one $20 credit each month ($30 in December). Credits do not roll over month-to-month.",
     "type": "multiple",
     "annualValue": 250,
     "perCycleCap": 20,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$20 Monthly Restaurant Credit",
     "description": "Up to $250 in restaurant credits each year. Receive one $20 credit each month ($30 in December), valid at 15,000+ participating restaurants. Credits do not roll over month-to-month.",
     "type": "multiple",
     "annualValue": 250,
     "perCycleCap": 20,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$20 Monthly DoorDash Credit",
     "description": "Up to $250 in DoorDash credits each year. Receive two $10 credits each month (three $10 credits in January). Minimum $50 order required. Credits do not roll over month-to-month.",
     "type": "multiple",
     "annualValue": 250,
     "perCycleCap": 20,
     "cycle": "monthly",
     "cycleLabel": "Monthly",
     "timesPerYear": 12,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$200 Health Wearables Credit",
     "description": "Up to $200 annual statement credit toward qualifying health wearables purchases.",
     "type": "multiple",
     "annualValue": 200,
     "perCycleCap": 200,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$120 Global Entry/TSA PreCheck Credit",
     "description": "Up to $120 in statement credits every four years for Global Entry or TSA PreCheck application fees charged to the card.",
     "type": "multiple",
     "annualValue": 30,
     "perCycleCap": 120,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 1780,
   "conditionalTotal": 0,
   "perks": [],
   "status": [
    {
     "name": "$365 Function Health Membership",
     "description": "Complimentary Function Health annual membership (valued at $365/year). Includes comprehensive health testing and monitoring. Geographic restrictions: not available in Hawaii or Rhode Island; additional fees in New York and New Jersey.",
     "type": "status",
     "annualValue": 365,
     "perCycleCap": 365,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$199 Amazon One Medical Membership",
     "description": "Sponsored Amazon One Medical annual membership (valued at $199/year). Provides access to virtual and in-person primary care services.",
     "type": "status",
     "annualValue": 199,
     "perCycleCap": 199,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$70 Oura Ring Membership",
     "description": "Complimentary Oura Ring membership with $70 annual statement credit. Requires Oura Ring purchase within 6 months of account opening.",
     "type": "status",
     "annualValue": 70,
     "perCycleCap": 70,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$60 Robinhood Gold Membership",
     "description": "Complimentary Robinhood Gold membership (valued at $60/year). Includes higher APY on uninvested cash, professional research, Nasdaq Level II market data, and bigger instant deposits.",
     "type": "status",
     "annualValue": 60,
     "perCycleCap": 60,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$120 DashPass Membership",
     "description": "Complimentary DashPass membership (valued at $120/year). Provides $0 delivery fees and reduced service fees on eligible DoorDash orders.",
     "type": "status",
     "annualValue": 120,
     "perCycleCap": 120,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "$100 Priority Pass Select",
     "description": "Priority Pass Select annual membership providing unlimited access to 1,300+ airport lounges worldwide for the primary cardholder.",
     "type": "status",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 13,
   "upstreamUpdated": "2026-03-08",
   "url": "https://uscreditcardrewards.com/cards/robinhood-platinum-card"
  },
  {
   "slug": "sams-club-mastercard",
   "name": "Sam's Club Mastercard",
   "issuer": "Synchrony Bank",
   "issuerSlug": "synchrony-bank",
   "issuerSite": "https://www.synchrony.com",
   "annualFee": 0,
   "network": "Mastercard",
   "currency": "Sam's Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": false,
   "image": "/card-art/sams-club-mastercard.webp",
   "exploreCategory": "everyday",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Gas",
     "type": "gas",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "EV Charging",
     "type": "gas",
     "rate": 5,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "gas": {
     "category": "Gas",
     "rate": 5
    },
    "dining": {
     "category": "Dining",
     "rate": 3
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Sam's Club Membership Required",
     "description": "An active Sam's Club membership is required to hold and use this card. Club membership starts at $50 per year and Plus membership at $110 per year. The card itself has no annual fee, but the membership cost is effectively an annual cost of carrying it. Plus members separately earn 2% Sam's Cash on qualifying Sam's Club purchases through the membership — that is a membership benefit, not a card benefit.",
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     "annualValue": 0,
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     "cycle": "annual",
     "cycleLabel": "Once a year",
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     "verifiedCredit": false,
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     "isWelcome": false,
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    {
     "name": "Sam's Cash Rewards Caps",
     "description": "The 5% rate on gas and EV charging applies to the first $6,000 spent per year; spending beyond that earns 1%. Total cash back earned across all categories is capped at $5,000 per calendar year. Sam's Cash is loaded to your membership monthly and can be redeemed for most Sam's Club purchases or cashed out in club.",
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     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
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     "verifiedCredit": false,
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    {
     "name": "No Foreign Transaction Fees",
     "description": "No foreign transaction fees on purchases made outside the United States. This card previously charged a 3% foreign transaction fee; that fee has been removed.",
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     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
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     "isWelcome": false,
     "estimatedValue": null
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   ],
   "status": [],
   "protection": [],
   "benefitCount": 3,
   "upstreamUpdated": "2026-09-05",
   "url": "https://uscreditcardrewards.com/cards/sams-club-mastercard"
  },
  {
   "slug": "samsung-galaxy-card",
   "name": "Samsung Galaxy Card",
   "issuer": "Barclays",
   "issuerSlug": "barclays",
   "issuerSite": "https://www.barclaycardus.com",
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   "network": "Visa",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": false,
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   "exploreCategory": "others",
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   "earn": [
    {
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     "type": "retail",
     "rate": 5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Samsung Wallet",
     "type": "other",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Streaming Service",
     "type": "streaming",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
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   ],
   "baseRate": 3,
   "bestGeneral": {
    "streaming": {
     "category": "Streaming Service",
     "rate": 2
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   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "20% Samsung VIP Advantage Discount",
     "description": "Receive 20% off a Samsung VIP Advantage membership purchase or renewal when paying with your Samsung Galaxy Card. VIP Advantage membership purchases paid with the card also earn 5% cash rewards.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
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     "isWelcome": false,
     "estimatedValue": null
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   ],
   "status": [],
   "protection": [],
   "benefitCount": 1,
   "upstreamUpdated": "2026-08-02",
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  {
   "slug": "sofi-essential",
   "name": "SoFi Essential",
   "issuer": "The Bank of Missouri",
   "issuerSlug": "the-bank-of-missouri",
   "issuerSite": "https://www.sofi.com/credit-card/",
   "annualFee": 0,
   "network": "Mastercard",
   "currency": "Cash Back",
   "currencyFamily": "cash",
   "foreignTransactionFee": false,
   "image": "/card-art/sofi-essential.webp",
   "exploreCategory": "others",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "SoFi Travel",
     "type": "travel",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
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   ],
   "baseRate": null,
   "bestGeneral": {},
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   "creditTotal": 0,
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   "perks": [],
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   "protection": [],
   "benefitCount": 0,
   "upstreamUpdated": "2026-06-30",
   "url": "https://uscreditcardrewards.com/cards/sofi-essential"
  },
  {
   "slug": "sofi-everyday-cash-rewards",
   "name": "SoFi Everyday Cash Rewards",
   "issuer": "The Bank of Missouri",
   "issuerSlug": "the-bank-of-missouri",
   "issuerSite": "https://www.sofi.com/credit-card/",
   "annualFee": 0,
   "network": "Mastercard",
   "currency": "Cash Back",
   "currencyFamily": "cash",
   "foreignTransactionFee": false,
   "image": "/card-art/sofi-everyday-cash-rewards.webp",
   "exploreCategory": "dinner",
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   "earn": [
    {
     "category": "SoFi Travel",
     "type": "travel",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
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    {
     "category": "Dining",
     "type": "dining",
     "rate": 3,
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     "portalOnly": false
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    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 2,
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     "portalOnly": false
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    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
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   ],
   "baseRate": 1,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 3
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    "grocery": {
     "category": "Grocery",
     "rate": 2
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   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
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   "protection": [
    {
     "name": "Cell Phone Protection",
     "description": "Cell phone protection against damage or theft when you pay your monthly wireless bill with the Card. Up to $800 per claim (less a $50 deductible), max 2 claims and up to $1,000 in coverage per 12-month period.",
     "type": "insurance",
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     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
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   ],
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  {
   "slug": "target-circle-card",
   "name": "Target Circle Card",
   "issuer": "TD Bank USA",
   "issuerSlug": "td-bank-usa",
   "issuerSite": "https://www.tdbank.com",
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   "network": "Mastercard",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": false,
   "image": "/card-art/target-circle-card.webp",
   "exploreCategory": "others",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Target",
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     "rate": 5,
     "scope": "brand",
     "portalOnly": false
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   ],
   "baseRate": null,
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   "conditionalTotal": 0,
   "perks": [
    {
     "name": "30-Day Extended Returns",
     "description": "Get an extra 30 days on top of the standard return window to return items purchased with your Target Circle Card at Target or Target.com.",
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     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
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    {
     "name": "5% Off In-Store Starbucks",
     "description": "Save 5% off at any in-store Starbucks location inside Target when you pay with your Target Circle Card (part of the 5% Target discount program; listed separately as a reminder since Starbucks isn't an obvious Target purchase). The 5% discount excludes alcohol, Target GiftCards, CVS pharmacy, Target Optical and select gift cards.",
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     "annualValue": 0,
     "perCycleCap": null,
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     "resetsOn": "cardmember-year",
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   ],
   "status": [
    {
     "name": "Free 2-Day Shipping",
     "description": "Free 2-day shipping on hundreds of thousands of items at Target.com when you pay with your Target Circle Card. Some items are excluded.",
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     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
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   ],
   "protection": [],
   "benefitCount": 3,
   "upstreamUpdated": "2026-07-17",
   "url": "https://uscreditcardrewards.com/cards/target-circle-card"
  },
  {
   "slug": "target-circle-card-mastercard",
   "name": "Target Circle Card Mastercard",
   "issuer": "TD Bank USA",
   "issuerSlug": "td-bank-usa",
   "issuerSite": "https://www.tdbank.com",
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   "network": "Mastercard",
   "currency": "Cash",
   "currencyFamily": "cash",
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     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
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     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
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   ],
   "baseRate": 1,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 2
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    "gas": {
     "category": "Gas",
     "rate": 2
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   },
   "credits": [],
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   "conditionalTotal": 0,
   "perks": [
    {
     "name": "30-Day Extended Returns",
     "description": "Get an extra 30 days on top of the standard return window to return items purchased with your Target Circle Card Mastercard at Target or Target.com.",
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    },
    {
     "name": "5% Off In-Store Starbucks",
     "description": "Save 5% off at any in-store Starbucks location inside Target when you pay with your Target Circle Card Mastercard (part of the 5% Target discount program; listed separately as a reminder since Starbucks isn't an obvious Target purchase). The 5% discount excludes alcohol, Target GiftCards, CVS pharmacy, Target Optical and select gift cards. Outside-Target rewards (2% dining/gas, 1% everywhere else) are redeemed as Target GiftCards once you accumulate $10.",
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     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
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   ],
   "status": [
    {
     "name": "Free 2-Day Shipping",
     "description": "Free 2-day shipping on hundreds of thousands of items at Target.com when you pay with your Target Circle Card Mastercard. Some items are excluded.",
     "type": "status",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
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     "resetsOn": "cardmember-year",
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   ],
   "protection": [],
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  },
  {
   "slug": "us-bank-altitude-connect",
   "name": "US Bank Altitude Connect",
   "issuer": "U.S. Bank",
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   "network": "Visa",
   "currency": "Altitude Points",
   "currencyFamily": "bank",
   "foreignTransactionFee": false,
   "image": "/card-art/us-bank-altitude-connect.webp",
   "exploreCategory": "travel",
   "welcomeBonus": {
    "headline": "20,000 bonus points",
    "requirement": "Spend $1,000 in 90 days"
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   "earn": [
    {
     "category": "Hotel (USBankTravel)",
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     "rate": 5,
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     "portalOnly": false
    },
    {
     "category": "Car Rental (USBankTravel)",
     "type": "travel",
     "rate": 5,
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     "portalOnly": false
    },
    {
     "category": "Travel",
     "type": "travel",
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     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 4,
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     "portalOnly": false
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    {
     "category": "EV Charging",
     "type": "gas",
     "rate": 4,
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    {
     "category": "Dining",
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     "portalOnly": false
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    {
     "category": "Streaming Service",
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     "portalOnly": false
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    {
     "category": "Grocery",
     "type": "grocery",
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     "portalOnly": false
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    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
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   ],
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     "category": "Travel",
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     "category": "Gas",
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     "category": "Dining",
     "rate": 2
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    "streaming": {
     "category": "Streaming Service",
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    "grocery": {
     "category": "Grocery",
     "rate": 2
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   "credits": [
    {
     "name": "$30 Streaming Credit",
     "description": "A statement credit of $30 per 12-month period will be applied within 2 statement billing cycles following 11 consecutive calendar months of eligible streaming service purchases. Eligible streaming services include popular platforms like Netflix, Hulu, Spotify, etc.",
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     "requiresActivation": false,
     "verifiedCredit": true,
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     "spendRequirement": null,
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    },
    {
     "name": "$100 Global Entry or TSA PreCheck Fee Credit",
     "description": "Receive a statement credit of up to $100 when you use your card for the application fee for Global Entry or TSA PreCheck. The credit will be applied within 1-2 billing cycles.",
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    {
     "name": "Priority Pass Select Membership",
     "description": "Enroll in Priority Pass Select for complimentary airport lounge access worldwide. Membership enrollment period is 12 months. After free visits have been used, you will be charged per person per visit.",
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   ],
   "protection": [
    {
     "name": "Travel Protection",
     "description": "Includes trip cancellation/interruption insurance, trip delay reimbursement, and SmartDelay registration. Provides coverage when you purchase travel with your card. Restrictions, limitations, and exclusions apply.",
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  },
  {
   "slug": "us-bank-altitude-go",
   "name": "US Bank Altitude Go",
   "issuer": "U.S. Bank",
   "issuerSlug": "us-bank",
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   "annualFee": 0,
   "network": "Visa",
   "currency": "Altitude Points",
   "currencyFamily": "bank",
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    "headline": "20,000 bonus points",
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    {
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    {
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    {
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    {
     "category": "EV Charging",
     "type": "gas",
     "rate": 2,
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    {
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    "gas": {
     "category": "Gas",
     "rate": 2
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   },
   "credits": [
    {
     "name": "$15 Annual Streaming Credit",
     "description": "Earn up to $15 back each quarter on eligible streaming service purchases like Netflix, Spotify, Hulu, Disney+, HBO Max, Apple Music, YouTube Premium, and more. Credit is automatically applied when you make eligible streaming purchases.",
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     "annualValue": 15,
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   ],
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   "protection": [
    {
     "name": "Cell Phone Protection",
     "description": "Get up to $600 per claim ($1,000 per 12-month period) for cell phone damage or theft when you pay your monthly cell phone bill with this card. $25 deductible per claim. Covers the primary account holder and any additional lines on the same account.",
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     "annualValue": 600,
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   "slug": "us-bank-altitude-reserve",
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     "rate": 3,
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    {
     "category": "Mobile Wallet",
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     "rate": 3,
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     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 1,
     "scope": "general",
     "portalOnly": false
    }
   ],
   "baseRate": 3,
   "bestGeneral": {
    "travel": {
     "category": "Travel",
     "rate": 3
    },
    "dining": {
     "category": "Dining",
     "rate": 1
    }
   },
   "credits": [
    {
     "name": "$325 Annual Travel Credit",
     "description": "This card provides you with up to $325 in annual travel credits per card member year. Your account is credited whenever your card is used for purchases made directly (e.g not through a travel agent) from: Airlines, Hotels, Car rental companies, Taxis, Limousines, Passenger trains, Cruise lines. They've now added dining, takeout, and food delivery as eligible categories as well.",
     "type": "multiple",
     "annualValue": 325,
     "perCycleCap": 325,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Global Entry or TSA PreCheck Fee Credit",
     "description": "You can receive a statement credit of up to $100 when you use your card for the application fee on Global Entry or TSA PreCheck. You are able to receive this statement credit once every 4 years.",
     "type": "onetime",
     "annualValue": 25,
     "perCycleCap": 100,
     "cycle": "quadrennial",
     "cycleLabel": "Every 4 years",
     "timesPerYear": 0.25,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 350,
   "conditionalTotal": 0,
   "perks": [],
   "status": [
    {
     "name": "Priority Pass Select Membership",
     "description": "Can enroll one card member in the program at a time. First four visits and four individual accompanying guest visits are waived each Priority Pass Select membership reward (per membership year). After the free visits have been used you will be charged $27 per person per visit.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 3,
   "upstreamUpdated": "2025-06-15",
   "url": "https://uscreditcardrewards.com/cards/us-bank-altitude-reserve"
  },
  {
   "slug": "us-bank-business-altitude-connect",
   "name": "US Bank Business Altitude Connect",
   "issuer": "U.S. Bank",
   "issuerSlug": "us-bank",
   "issuerSite": null,
   "annualFee": 95,
   "network": "Visa",
   "currency": "Altitude Points",
   "currencyFamily": "bank",
   "foreignTransactionFee": false,
   "image": "/card-art/us-bank-business-altitude-connect.webp",
   "exploreCategory": "business",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Hotel (USBankTravel)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Car Rental (USBankTravel)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Travel",
     "type": "travel",
     "rate": 4,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 4,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "EV Charging",
     "type": "gas",
     "rate": 4,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Internet, Cable & Phone Services",
     "type": "business",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
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   ],
   "baseRate": 1,
   "bestGeneral": {
    "travel": {
     "category": "Travel",
     "rate": 4
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    "gas": {
     "category": "Gas",
     "rate": 4
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    "dining": {
     "category": "Dining",
     "rate": 2
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   },
   "credits": [
    {
     "name": "$25 Taxi/Rideshare Credit",
     "description": "Earn a $25 statement credit after making taxi or rideshare transactions in three consecutive months with your US Bank Business Altitude Connect card.",
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     "perCycleCap": 25,
     "cycle": "annual",
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     "timesPerYear": 1,
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     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
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   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Free Employee Cards",
     "description": "Add employee cards at no additional annual fee, with individual spend controls and consolidated billing through U.S. Bank Spend Management.",
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     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [
    {
     "name": "Priority Pass Digital Membership",
     "description": "Complimentary Priority Pass Digital annual membership with access to more than 1,800 VIP lounges worldwide, plus four complimentary visits per membership year. Enrollment required.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [
    {
     "name": "Auto Rental Collision Damage Waiver",
     "description": "Damage and theft coverage for rental vehicles when the entire rental is paid with your US Bank Business Altitude Connect card and the rental agency's collision damage waiver is declined.",
     "type": "insurance",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Lost Luggage Insurance",
     "description": "Reimbursement for checked or carry-on luggage that is lost or stolen when the fare is purchased with your US Bank Business Altitude Connect card, per program terms.",
     "type": "insurance",
     "annualValue": 25,
     "perCycleCap": 25,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
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   ],
   "benefitCount": 5,
   "upstreamUpdated": "2026-07-18",
   "url": "https://uscreditcardrewards.com/cards/us-bank-business-altitude-connect"
  },
  {
   "slug": "us-bank-business-altitude-power",
   "name": "US Bank Business Altitude Power",
   "issuer": "U.S. Bank",
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   "issuerSite": null,
   "annualFee": 95,
   "network": "Visa",
   "currency": "Altitude Points",
   "currencyFamily": "bank",
   "foreignTransactionFee": false,
   "image": "/card-art/us-bank-business-altitude-power.webp",
   "exploreCategory": "business",
   "welcomeBonus": null,
   "earn": [
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     "category": "Hotel (USBankTravel)",
     "type": "travel",
     "rate": 6,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Car Rental (USBankTravel)",
     "type": "travel",
     "rate": 6,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Mobile Wallet",
     "type": "other",
     "rate": 2.5,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 2,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 2.5,
   "bestGeneral": {},
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   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Free Employee Cards",
     "description": "Add employee cards at no additional annual fee, with individual spend controls and consolidated billing through U.S. Bank Spend Management.",
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     "annualValue": 0,
     "perCycleCap": null,
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     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [
    {
     "name": "Priority Pass Membership",
     "description": "Complimentary Priority Pass membership with access to more than 1,700 VIP airport lounges worldwide. Enrollment required; visit fees and guest policies per program terms.",
     "type": "status",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": true,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "protection": [],
   "benefitCount": 2,
   "upstreamUpdated": "2026-07-18",
   "url": "https://uscreditcardrewards.com/cards/us-bank-business-altitude-power"
  },
  {
   "slug": "us-bank-business-leverage",
   "name": "US Bank Business Leverage",
   "issuer": "U.S. Bank",
   "issuerSlug": "us-bank",
   "issuerSite": null,
   "annualFee": 95,
   "network": "Visa",
   "currency": "US Bank Rewards Points",
   "currencyFamily": "bank",
   "foreignTransactionFee": false,
   "image": "/card-art/us-bank-business-leverage.webp",
   "exploreCategory": "business",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Hotel (USBankTravel)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Car Rental (USBankTravel)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {},
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Free Employee Cards",
     "description": "Add employee cards as authorized users at no separate annual fee, with rewards from employee spending pooling to the business account.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [],
   "protection": [],
   "benefitCount": 1,
   "upstreamUpdated": "2026-07-18",
   "url": "https://uscreditcardrewards.com/cards/us-bank-business-leverage"
  },
  {
   "slug": "us-bank-business-triple-cash-rewards-visa",
   "name": "US Bank Business Triple Cash Rewards Visa",
   "issuer": "U.S. Bank",
   "issuerSlug": "us-bank",
   "issuerSite": null,
   "annualFee": 0,
   "network": "Visa",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": true,
   "image": "/card-art/us-bank-business-triple-cash-rewards-visa.webp",
   "exploreCategory": "business",
   "welcomeBonus": {
    "headline": "$750 cash back",
    "requirement": "Spend $6,000 in first 180 days"
   },
   "earn": [
    {
     "category": "Hotel (USBankTravel)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Car Rental (USBankTravel)",
     "type": "travel",
     "rate": 5,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Office Supply",
     "type": "business",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Internet, Cable & Phone Services",
     "type": "business",
     "rate": 3,
     "scope": "brand",
     "portalOnly": false
    },
    {
     "category": "Dining",
     "type": "dining",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "gas": {
     "category": "Gas",
     "rate": 3
    },
    "dining": {
     "category": "Dining",
     "rate": 3
    }
   },
   "credits": [
    {
     "name": "$100 Annual Software Subscription Credit",
     "description": "Earn a $100 statement credit each anniversary year for recurring software subscription expenses such as FreshBooks, QuickBooks, or other eligible subscription services charged to the card. Credit is applied automatically when qualifying charges are detected.",
     "type": "multiple",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 100,
   "conditionalTotal": 0,
   "perks": [],
   "status": [],
   "protection": [
    {
     "name": "Cell Phone Protection",
     "description": "World Elite Visa cell phone protection: covers damage or theft of your cell phone when you pay your monthly cell phone bill with this card. Up to $600 per claim, $25 deductible, up to 2 claims per 12-month period. Covers the primary cardholder and employees listed on the cell phone bill.",
     "type": "insurance",
     "annualValue": 100,
     "perCycleCap": 600,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Purchase Protection",
     "description": "Covers eligible purchases against damage or theft for a limited period from the date of purchase. Coverage details subject to Visa World Elite terms and conditions.",
     "type": "insurance",
     "annualValue": 50,
     "perCycleCap": 50,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 3,
   "upstreamUpdated": "2026-04-11",
   "url": "https://uscreditcardrewards.com/cards/us-bank-business-triple-cash-rewards-visa"
  },
  {
   "slug": "us-bank-cash",
   "name": "US Bank Cash+",
   "issuer": "U.S. Bank",
   "issuerSlug": "us-bank",
   "issuerSite": null,
   "annualFee": 0,
   "network": "Visa",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": true,
   "image": "/card-art/us-bank-cash.webp",
   "exploreCategory": "everyday",
   "welcomeBonus": {
    "headline": "$200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days",
    "requirement": "Spend $1,000 in 90 days"
   },
   "earn": [
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 2,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "grocery": {
     "category": "Grocery",
     "rate": 2
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [],
   "status": [],
   "protection": [],
   "benefitCount": 0,
   "upstreamUpdated": "2026-01-04",
   "url": "https://uscreditcardrewards.com/cards/us-bank-cash"
  },
  {
   "slug": "us-bank-shield-visa",
   "name": "US Bank Shield Visa",
   "issuer": "U.S. Bank",
   "issuerSlug": "us-bank",
   "issuerSite": null,
   "annualFee": 0,
   "network": "Visa",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": true,
   "image": "/card-art/us-bank-shield-visa.webp",
   "exploreCategory": "others",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Airline (USBankTravel)",
     "type": "travel",
     "rate": 4,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Hotel (USBankTravel)",
     "type": "travel",
     "rate": 4,
     "scope": "portal",
     "portalOnly": false
    },
    {
     "category": "Car Rental (USBankTravel)",
     "type": "travel",
     "rate": 4,
     "scope": "portal",
     "portalOnly": false
    }
   ],
   "baseRate": null,
   "bestGeneral": {},
   "credits": [
    {
     "name": "$20 Annual Statement Credit",
     "description": "Earn a $20 annual statement credit after making purchases in 11 consecutive billing cycles. Any purchase amount counts; the credit posts automatically once the streak is met each cardmember year.",
     "type": "onetime",
     "annualValue": 20,
     "perCycleCap": 20,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": true,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "creditTotal": 20,
   "conditionalTotal": 0,
   "perks": [
    {
     "name": "Complimentary Credit Score",
     "description": "Free access to your credit score via the U.S. Bank Mobile App and online banking.",
     "type": "other",
     "annualValue": 0,
     "perCycleCap": null,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false,
     "estimatedValue": null
    }
   ],
   "status": [],
   "protection": [
    {
     "name": "Cell Phone Protection",
     "description": "Get up to $600 reimbursed per claim if your cell phone is stolen or damaged when you pay your monthly cell phone bill with your US Bank Shield Visa Card (subject to a deductible; maximum claims per 12-month period apply).",
     "type": "insurance",
     "annualValue": 100,
     "perCycleCap": 100,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    }
   ],
   "benefitCount": 3,
   "upstreamUpdated": "2026-07-18",
   "url": "https://uscreditcardrewards.com/cards/us-bank-shield-visa"
  },
  {
   "slug": "venmo-credit-card",
   "name": "Venmo Credit Card",
   "issuer": "Synchrony Bank",
   "issuerSlug": "synchrony-bank",
   "issuerSite": "https://www.synchrony.com",
   "annualFee": 0,
   "network": "Visa",
   "currency": "Cash",
   "currencyFamily": "cash",
   "foreignTransactionFee": true,
   "image": "/card-art/venmo-credit-card.webp",
   "exploreCategory": "everyday",
   "welcomeBonus": null,
   "earn": [
    {
     "category": "Dining",
     "type": "dining",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Grocery",
     "type": "grocery",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Gas",
     "type": "gas",
     "rate": 3,
     "scope": "general",
     "portalOnly": false
    },
    {
     "category": "Other",
     "type": "other",
     "rate": 1,
     "scope": "brand",
     "portalOnly": false
    }
   ],
   "baseRate": 1,
   "bestGeneral": {
    "dining": {
     "category": "Dining",
     "rate": 3
    },
    "grocery": {
     "category": "Grocery",
     "rate": 3
    },
    "gas": {
     "category": "Gas",
     "rate": 3
    }
   },
   "credits": [],
   "creditTotal": 0,
   "conditionalTotal": 0,
   "perks": [],
   "status": [],
   "protection": [
    {
     "name": "Cell Phone Protection",
     "description": "Up to $800 per claim for damage or theft of your cell phone when you pay your monthly cell phone bill with the card. $25 deductible per claim. Up to 2 claims per 12-month period.",
     "type": "insurance",
     "annualValue": 50,
     "perCycleCap": 800,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
     "name": "Auto Rental Collision Damage Waiver",
     "description": "Secondary auto rental collision damage waiver coverage when you decline the rental company's CDW and charge the full rental cost to the card. Visa Signature benefit.",
     "type": "insurance",
     "annualValue": 75,
     "perCycleCap": 75,
     "cycle": "annual",
     "cycleLabel": "Once a year",
     "timesPerYear": 1,
     "resetsOn": "cardmember-year",
     "requiresActivation": false,
     "verifiedCredit": false,
     "conditional": false,
     "spendRequirement": null,
     "isWelcome": false
    },
    {
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}