{
  "$schema": "us-banking-atlas/cards/v1",
  "generated_at": "2026-08-23",
  "note": "Credit card matrix — issuer × network × card name × type × annual fee × rewards. The major US issuer portfolios. Includes cobranded (airline, hotel, retail) for completeness. 'annual_fee' values reflect current public list (2024-2025).",
  "total_target": 500,
  "cards": [
    {
      "id": "chase-sapphire-reserve",
      "name": "Chase Sapphire Reserve",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "travel",
      "annual_fee": 795,
      "target": "premium",
      "cobranded": false,
      "rewards": "3x travel/dining; 1x other; $300 travel credit; Priority Pass; Chase Sapphire Lounges",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $500/item, $1,000/yr",
        "extended_warranty": "+1 yr on eligible warranties ≤3yr",
        "purchase_protection": "120 days, up to $10k/claim",
        "travel_insurance": "Primary rental car; trip delay; trip cancellation/interruption",
        "lounge_access": "Priority Pass + Chase Sapphire Lounges",
        "transfer_partners": [
          "United MileagePlus",
          "Southwest RR",
          "Hyatt",
          "Marriott",
          "British Airways Avios",
          "Air France-KLM Flying Blue",
          "Singapore KrisFlyer",
          "Aer Lingus Avios",
          "Iberia Avios",
          "Virgin Atlantic",
          "Air Canada Aeroplan",
          "JetBlue",
          "Hawaiian"
        ],
        "transfer_ratio": "1:1 (most); 1:1 to United (favorable)",
        "points_value_estimate": "1.5–2.0¢ per point via transfer partners",
        "credit_score": "Excellent (740+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "N/A (charge card) — see Sapphire Reserve as credit card",
        "min_credit_limit": "$10,000 typical",
        "source": "benefits.chase.com / sapphire-reserve"
      }
    },
    {
      "id": "chase-sapphire-preferred",
      "name": "Chase Sapphire Preferred",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "travel",
      "annual_fee": 95,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "3x dining/streaming/online grocery; 2x travel; 1x other; 60k UR pts signup",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $500/item, $1,000/yr",
        "extended_warranty": "+1 yr on eligible warranties ≤3yr",
        "purchase_protection": "120 days, up to $10k/claim",
        "travel_insurance": "Primary rental car; trip cancellation",
        "lounge_access": "N/A (no built-in)",
        "transfer_partners": [
          "Same as CSR (1:1)"
        ],
        "transfer_ratio": "1:1",
        "points_value_estimate": "1.25–2.0¢ per point",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "N/A (varies by applicant)",
        "min_credit_limit": "$5,000 typical",
        "source": "benefits.chase.com / sapphire-preferred"
      }
    },
    {
      "id": "chase-sapphire-reserve-business",
      "name": "Chase Sapphire Reserve for Business",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "business-travel",
      "annual_fee": 795,
      "target": "premium-business",
      "cobranded": false,
      "rewards": "3x travel/shipping; 1x other; $300 travel credit",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Primary rental car; trip delay; trip cancellation",
        "lounge_access": "Priority Pass + Chase Sapphire Lounges (limit 10/yr)",
        "transfer_partners": [
          "Same CSR transfer partners (1:1)"
        ],
        "transfer_ratio": "1:1",
        "points_value_estimate": "1.5–2.0¢ per point",
        "credit_score": "Excellent (740+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "N/A",
        "min_credit_limit": "$10,000+",
        "source": "benefits.chase.com / sapphire-business-reserve"
      }
    },
    {
      "id": "chase-freedom-unlimited",
      "name": "Chase Freedom Unlimited",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "cashback",
      "annual_fee": 0,
      "target": "starter",
      "cobranded": false,
      "rewards": "1.5% flat; 3% dining/drug; 5% travel via Chase; 0% intro APR 15mo",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 3.0,
        "late_fee": "Up to $40",
        "return_protection": "90 days, up to $500/claim",
        "extended_warranty": "+1 yr (3yr caps)",
        "purchase_protection": "120 days, up to $10k/claim",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "Inherits Chase UR via Sapphire upgrade path (1:1)"
        ],
        "transfer_ratio": "1:1 (when paired with Sapphire)",
        "points_value_estimate": "1.0–2.0¢ per point (with transfer)",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 15 months (purchases + balance transfers)",
        "min_credit_limit": "$500+",
        "source": "benefits.chase.com / freedom-unlimited"
      }
    },
    {
      "id": "chase-freedom-flex",
      "name": "Chase Freedom Flex",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Mastercard",
      "type": "cashback",
      "annual_fee": 0,
      "target": "starter",
      "cobranded": false,
      "rewards": "1% flat; 5% rotating quarterly; 5% travel; 3% dining/drug; cell-phone protection",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg",
      "benefits": {
        "foreign_tx_fee_pct": 3.0,
        "late_fee": "Up to $40",
        "return_protection": "90 days, up to $500/claim",
        "extended_warranty": "+1 yr (3yr caps)",
        "purchase_protection": "120 days, up to $10k/claim",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "Inherits Chase UR via Sapphire (1:1)"
        ],
        "transfer_ratio": "1:1 (with Sapphire)",
        "points_value_estimate": "1.0–2.0¢ per point (with transfer)",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 15 months (purchases + balance transfers)",
        "min_credit_limit": "$500+",
        "source": "benefits.chase.com / freedom-flex"
      }
    },
    {
      "id": "chase-freedom-rise",
      "name": "Chase Freedom Rise",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "credit-builder",
      "annual_fee": 0,
      "target": "starter",
      "cobranded": false,
      "rewards": "1.5% flat; targeted to credit-builders",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "chase-amazon-prime",
      "name": "Amazon Prime Rewards Visa Signature",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "Amazon",
      "cobranded": true,
      "rewards": "5% Amazon/Whole Foods; 2% dining/gas; 1% other",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr on warranties ≤3yr",
        "purchase_protection": "120 days (disputed purchases)",
        "travel_insurance": "Secondary rental car (no auto if no other Chase card)",
        "lounge_access": "N/A",
        "transfer_partners": [
          "None (5% Amazon only)"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "5% Amazon/Whole Foods (Prime); 2% gas/dining",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "N/A",
        "min_credit_limit": "$500+",
        "source": "amazon.com / rewards-visa"
      }
    },
    {
      "id": "chase-dominions-diamond",
      "name": "Chase Disney Visa Card",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "Disney",
      "cobranded": true,
      "rewards": "Disney-specific perks + 1% back",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "chase-marriott-bonvoy-boundless",
      "name": "Marriott Bonvoy Boundless",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "cobranded-hotel",
      "annual_fee": 95,
      "target": "hotel-loyalty",
      "cobranded": true,
      "rewards": "6x Marriott; 2x other; free night annual",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "chase-marriott-bonvoy-bountiful",
      "name": "Marriott Bonvoy Bountiful",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "cobranded-hotel",
      "annual_fee": 250,
      "target": "hotel-loyalty",
      "cobranded": true,
      "rewards": "6x Marriott; 2x other; $125 dining credit; Platinum elite status",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "chase-marriott-bonvoy-beautiful",
      "name": "Marriott Bonvoy Bevy",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "cobranded-hotel",
      "annual_fee": 250,
      "target": "hotel-loyalty",
      "cobranded": true,
      "rewards": "6x Marriott; 4x dining/grocery; free-night 50k annual",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "chase-united-club-infinite",
      "name": "United Club Infinite Card",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "cobranded-airline",
      "annual_fee": 695,
      "target": "airline-loyalty",
      "cobranded": true,
      "rewards": "4x United; 2x dining/hotel; United Club membership; IHG Diamond",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "chase-united-quest",
      "name": "United Quest",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "cobranded-airline",
      "annual_fee": 350,
      "target": "airline-loyalty",
      "cobranded": true,
      "rewards": "3x dining/grocery/hotel; 2x United; up to 8k miles/yr; 2 free bags",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "chase-united-explorer",
      "name": "United Explorer Card",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "cobranded-airline",
      "annual_fee": 95,
      "target": "airline-loyalty",
      "cobranded": true,
      "rewards": "2x United/hotel; 1x other; free first checked bag; priority boarding",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "chase-united-gateways",
      "name": "United Gateway Card",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "cobranded-airline",
      "annual_fee": 0,
      "target": "starter",
      "cobranded": true,
      "rewards": "2x United; 1x other; 25% back inflight",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "chase-southwest-priority",
      "name": "Southwest Rapid Rewards Priority",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "cobranded-airline",
      "annual_fee": 229,
      "target": "airline-loyalty",
      "cobranded": true,
      "rewards": "3x Southwest; 2x hotel/car; $75 WN credit; 4 upgraded boardings",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "chase-southwest-plus",
      "name": "Southwest Rapid Rewards Plus",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "cobranded-airline",
      "annual_fee": 69,
      "target": "starter",
      "cobranded": true,
      "rewards": "2x Southwest; 2x hotel/car; anniversary points",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "chase-hyatt-world-of-hyatt",
      "name": "World of Hyatt Credit Card",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "cobranded-hotel",
      "annual_fee": 95,
      "target": "hotel-loyalty",
      "cobranded": true,
      "rewards": "4x Hyatt; 2x dining/transit/flight; Discoverist status; free-night annual",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "chase-ihg-rewards-premier",
      "name": "IHG One Rewards Premier",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "cobranded-hotel",
      "annual_fee": 99,
      "target": "hotel-loyalty",
      "cobranded": true,
      "rewards": "up to 26x IHG; 5x travel/dining; free night annual; Platinum Elite",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "chase-ihg-rewards-traveler",
      "name": "IHG One Rewards Traveler",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "cobranded-hotel",
      "annual_fee": 0,
      "target": "starter",
      "cobranded": true,
      "rewards": "3x IHG; 2x gas/dining/utility; Silver Elite",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "chase-aer-lingus",
      "name": "Aer Lingus Visa Signature",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "cobranded-airline",
      "annual_fee": 95,
      "target": "airline-loyalty",
      "cobranded": true,
      "rewards": "3x Aer Lingus; 1x other; companion ticket; 15% off Ireland transfers",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "chase-british-airways",
      "name": "British Airways Visa Signature",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "cobranded-airline",
      "annual_fee": 95,
      "target": "airline-loyalty",
      "cobranded": true,
      "rewards": "3x BA; 2x hotel; Travel Together Ticket; 10% off Avios redemptions",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "chase-iberia",
      "name": "Iberia Visa Signature",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "cobranded-airline",
      "annual_fee": 95,
      "target": "airline-loyalty",
      "cobranded": true,
      "rewards": "3x Iberia; 2x hotel; companion ticket; 10% off Avios redemptions",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "chase-jetblue-plus",
      "name": "JetBlue Plus Card",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "cobranded-airline",
      "annual_fee": 99,
      "target": "airline-loyalty",
      "cobranded": true,
      "rewards": "6x JetBlue; 2x dining/grocery; free first checked bag; Mosaic tiles",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "chase-jb-mosaic",
      "name": "JetBlue Business Card",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "business-airline",
      "annual_fee": 99,
      "target": "airline-business",
      "cobranded": true,
      "rewards": "6x JetBlue; 2x dining/office; 5k anniversary",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "chase-aarp",
      "name": "AARP Essential Rewards",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "cobranded-affinity",
      "annual_fee": 0,
      "target": "50+",
      "cobranded": true,
      "rewards": "3% gas/grocery/dining; 1.25% other; AARP perks",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "chase-dow-jones",
      "name": "WSJ Mastercard",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Mastercard",
      "type": "cobranded-affinity",
      "annual_fee": 0,
      "target": "news",
      "cobranded": true,
      "rewards": "WSJ subscription; 1.5% flat",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "chase-instacart",
      "name": "Instacart Mastercard",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Mastercard",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "grocery",
      "cobranded": true,
      "rewards": "5% Instacart; 2% grocery; 1% other; Instacart+ membership",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "chase-slate",
      "name": "Chase Slate Edge",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "balance-transfer",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "0% intro APR 18mo; $0 annual fee; reduced APR with on-time payments",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "chase-business-unlimited",
      "name": "Ink Business Unlimited",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "business-cashback",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "1.5% flat on everything",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "chase-ink-preferred",
      "name": "Ink Business Preferred",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "business-travel",
      "annual_fee": 95,
      "target": "small-business",
      "cobranded": false,
      "rewards": "3x travel/shipping/online ads; 1x other; 100k UR signup",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Primary rental car; trip cancellation",
        "lounge_access": "N/A",
        "transfer_partners": [
          "Same Chase UR partners (1:1)"
        ],
        "transfer_ratio": "1:1",
        "points_value_estimate": "1.25–2.0¢ per UR point",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "N/A",
        "min_credit_limit": "$5,000+",
        "source": "benefits.chase.com / ink-preferred"
      }
    },
    {
      "id": "chase-ink-cash",
      "name": "Ink Business Cash",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "business-cashback",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "5x office supply/ISP/cable; 2x dining/gas; $750 signup",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 3.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "Same Chase UR (1:1, paired with Ink Preferred)"
        ],
        "transfer_ratio": "1:1",
        "points_value_estimate": "1.0–2.0¢ per UR point (with transfer)",
        "credit_score": "Good (670+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 12 months (purchases + BT)",
        "min_credit_limit": "$1,000+",
        "source": "benefits.chase.com / ink-cash"
      }
    },
    {
      "id": "chase-ink-platinum",
      "name": "Ink Business Platinum",
      "issuer": "JPMorgan Chase Bank, N.A.",
      "network": "Visa",
      "type": "business-balance-transfer",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "0% intro APR 12mo; no rewards; travel/insurance perks",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "amex-platinum",
      "name": "The Platinum Card from American Express",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "premium-charge",
      "annual_fee": 695,
      "target": "premium",
      "cobranded": false,
      "rewards": "5x flights; 1x other; $200 hotel + $200 airline + $200 Uber + $200 dining + $300 Equinox + Centurion Lounges",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $300/item, $1,000/yr",
        "extended_warranty": "+1 yr on warranties ≤5yr (cap varies)",
        "purchase_protection": "90 days, up to $10k/claim",
        "travel_insurance": "Premium rental car; trip delay; cancellation",
        "lounge_access": "Centurion Lounges + Priority Pass + SkyTeam + Delta Sky Club + Plaza Premium",
        "transfer_partners": [
          "Air Canada Aeroplan",
          "ANA",
          "British Airways",
          "Delta SkyMiles",
          "Singapore KrisFlyer",
          "Hilton",
          "Marriott Bonvoy",
          "Hawaiian",
          "JetBlue",
          "Virgin Atlantic",
          "Air France-KLM"
        ],
        "transfer_ratio": "1:1 (most partners)",
        "points_value_estimate": "1.5–2.2¢ per MR point",
        "credit_score": "Excellent (740+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "N/A (charge card)",
        "min_credit_limit": "No preset limit",
        "source": "global.americanexpress.com / platinum"
      }
    },
    {
      "id": "amex-gold",
      "name": "American Express Gold Card",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "rewards-charge",
      "annual_fee": 325,
      "target": "dining-grocery",
      "cobranded": false,
      "rewards": "4x dining/grocery; 3x flights; 1x other; $120 dining + $120 Uber + $84 Dunkin' + $100 Resy credits",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $300/item, $1,000/yr",
        "extended_warranty": "+1 yr on warranties ≤5yr",
        "purchase_protection": "90 days",
        "travel_insurance": "Secondary rental car; trip delay",
        "lounge_access": "Priority Pass + Delta Sky Club (when flying Delta); Centurion (limited)",
        "transfer_partners": [
          "Same Membership Rewards partners as Platinum"
        ],
        "transfer_ratio": "1:1",
        "points_value_estimate": "1.5–2.0¢ per MR point",
        "credit_score": "Good to Excellent (720+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "N/A (charge card)",
        "min_credit_limit": "No preset limit",
        "source": "global.americanexpress.com / gold"
      }
    },
    {
      "id": "amex-green",
      "name": "American Express Green Card",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "rewards-charge",
      "annual_fee": 150,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "3x travel/transit/dining; 1x other; $189 CLEAR + $100 LoungeBuddy credits",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $300/item, $1,000/yr",
        "extended_warranty": "+1 yr on warranties ≤5yr",
        "purchase_protection": "90 days",
        "travel_insurance": "Secondary rental car; trip delay",
        "lounge_access": "N/A",
        "transfer_partners": [
          "Same MR partners"
        ],
        "transfer_ratio": "1:1",
        "points_value_estimate": "1.0–2.0¢ per MR point",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "N/A (charge card)",
        "min_credit_limit": "No preset limit",
        "source": "global.americanexpress.com / green"
      }
    },
    {
      "id": "amex-blue-cash-preferred",
      "name": "Blue Cash Preferred Card from American Express",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "cashback",
      "annual_fee": 95,
      "target": "family",
      "cobranded": false,
      "rewards": "6% US grocery; 6% streaming; 3% gas/transit; 1% other; $250 statement credit",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg",
      "benefits": {
        "foreign_tx_fee_pct": 2.7,
        "late_fee": "Up to $40 (varies; max $40 in many states)",
        "return_protection": "Up to $300/item, $1,000/yr",
        "extended_warranty": "+1 yr on warranties ≤5yr",
        "purchase_protection": "90 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "None (cashback)"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "6% US grocery / 6% streaming / 3% gas / 3% transit",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 12 months (purchases + BT)",
        "min_credit_limit": "$1,000+",
        "source": "global.americanexpress.com / blue-cash-preferred"
      }
    },
    {
      "id": "amex-blue-cash-everyday",
      "name": "Blue Cash Everyday Card from American Express",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "cashback",
      "annual_fee": 0,
      "target": "family",
      "cobranded": false,
      "rewards": "3% US grocery; 3% gas; 3% online retail; 1% other; intro $200",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg",
      "benefits": {
        "foreign_tx_fee_pct": 2.7,
        "late_fee": "Up to $40",
        "return_protection": "Up to $300/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "90 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "None"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "3% US grocery / 3% gas / 3% online retail",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 15 months (purchases + BT)",
        "min_credit_limit": "$1,000+",
        "source": "global.americanexpress.com / blue-cash-everyday"
      }
    },
    {
      "id": "amex-everyday-preferred",
      "name": "Amex EveryDay Preferred",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "membership-rewards",
      "annual_fee": 95,
      "target": "supermarket",
      "cobranded": false,
      "rewards": "3x grocery (up to 6x with 30+ swipes); 2x gas; 1x other; 50% bonus on points",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg",
      "benefits": {
        "foreign_tx_fee_pct": 2.7,
        "late_fee": "Up to $40",
        "return_protection": "Up to $300/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "90 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "Same MR partners (limited benefit w/o Premium card)"
        ],
        "transfer_ratio": "1:1",
        "points_value_estimate": "3–6x grocery; 50% bonus at 30+ swipes",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 12 months (purchases)",
        "min_credit_limit": "$1,000+",
        "source": "global.americanexpress.com / everyday-preferred"
      }
    },
    {
      "id": "amex-everyday",
      "name": "Amex EveryDay",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "membership-rewards",
      "annual_fee": 0,
      "target": "supermarket",
      "cobranded": false,
      "rewards": "2x grocery (up to 2.4x with 20+ swipes); 1x other; intro $100",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg"
    },
    {
      "id": "amex-delta-reserve",
      "name": "Delta SkyMiles Reserve American Express Card",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "cobranded-airline",
      "annual_fee": 650,
      "target": "delta-loyalty",
      "cobranded": true,
      "rewards": "3x Delta; 1x other; Delta Sky Club; Companion Cert; $240 Resy + $120 rideshare credits",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg"
    },
    {
      "id": "amex-delta-platinum",
      "name": "Delta SkyMiles Platinum American Express Card",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "cobranded-airline",
      "annual_fee": 350,
      "target": "delta-loyalty",
      "cobranded": true,
      "rewards": "3x Delta; 3x hotel; 3x dining; Companion Cert; $200 Delta credit",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg"
    },
    {
      "id": "amex-delta-gold",
      "name": "Delta SkyMiles Gold American Express Card",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "cobranded-airline",
      "annual_fee": 150,
      "target": "delta-loyalty",
      "cobranded": true,
      "rewards": "2x Delta; 2x dining/supermarket; $200 Delta credit; free first checked bag",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg"
    },
    {
      "id": "amex-delta-blue",
      "name": "Delta SkyMiles Blue American Express Card",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "cobranded-airline",
      "annual_fee": 0,
      "target": "starter",
      "cobranded": true,
      "rewards": "2x Delta; 1x other; intro 10k miles",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg"
    },
    {
      "id": "amex-marriott-bonvoy-brilliant",
      "name": "Marriott Bonvoy Brilliant American Express Card",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "cobranded-hotel",
      "annual_fee": 650,
      "target": "marriott-loyalty",
      "cobranded": true,
      "rewards": "6x Marriott; 3x dining/flight; free-night up to 85k; Platinum Elite; $300 dining credit",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg"
    },
    {
      "id": "amex-hilton-honors-aspire",
      "name": "Hilton Honors Aspire Card from American Express",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "cobranded-hotel",
      "annual_fee": 550,
      "target": "hilton-loyalty",
      "cobranded": true,
      "rewards": "14x Hilton; 7x flights/car/dining; Diamond status; $400 Hilton + $200 flight + $200 dining credits; free weekend night",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg"
    },
    {
      "id": "amex-hilton-honors-surpass",
      "name": "Hilton Honors Surpass Card from American Express",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "cobranded-hotel",
      "annual_fee": 150,
      "target": "hilton-loyalty",
      "cobranded": true,
      "rewards": "12x Hilton; 6x dining/supermarket/gas; Gold status; free-night reward",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg"
    },
    {
      "id": "amex-hilton-honors",
      "name": "Hilton Honors Card from American Express",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "cobranded-hotel",
      "annual_fee": 0,
      "target": "starter",
      "cobranded": true,
      "rewards": "7x Hilton; 5x dining/supermarket/gas; Silver status; intro 80k points",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg"
    },
    {
      "id": "amex-hilton-honors-business",
      "name": "Hilton Honors Business Card from American Express",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "business-hotel",
      "annual_fee": 195,
      "target": "business",
      "cobranded": true,
      "rewards": "12x Hilton; 6x shipping/cable; 6x dining/gas/supermarket; Gold status",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg"
    },
    {
      "id": "amex-centurion",
      "name": "Centurion Card (Black Card)",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "ultra-premium-charge",
      "annual_fee": 5000,
      "target": "ultra-hnw",
      "cobranded": false,
      "rewards": "Invitation only; Centurion Lounges; concierge; $4000+ annual credits",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "N/A (charge card)",
        "return_protection": "Up to $300/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Premium rental car",
        "lounge_access": "Centurion Lounges + International American Express lounges + Priority Pass + Delta Sky Club",
        "transfer_partners": [
          "Same MR partners"
        ],
        "transfer_ratio": "1:1",
        "points_value_estimate": "1.5–2.0¢ per MR point",
        "credit_score": "N/A (invitation only)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "N/A",
        "min_credit_limit": "No preset limit",
        "source": "global.americanexpress.com / centurion"
      }
    },
    {
      "id": "amex-business-platinum",
      "name": "Business Platinum Card from American Express",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "business-premium-charge",
      "annual_fee": 695,
      "target": "premium-business",
      "cobranded": false,
      "rewards": "5x flights/prepaid hotels; 1.5x on $5k+ categories; Centurion Lounges; 35% flight bonus",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $300/item, $1,000/yr",
        "extended_warranty": "+1 yr on warranties ≤5yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Premium rental car",
        "lounge_access": "Centurion + Priority Pass + Delta Sky Club + Plaza Premium + Airspace + Escape",
        "transfer_partners": [
          "Same as personal Platinum"
        ],
        "transfer_ratio": "1:1",
        "points_value_estimate": "1.5–2.0¢ per MR point (35% flight bonus for Business Platinum)",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "N/A (charge card)",
        "min_credit_limit": "No preset limit",
        "source": "global.americanexpress.com / business-platinum"
      }
    },
    {
      "id": "amex-business-gold",
      "name": "Business Gold Card from American Express",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "business-rewards",
      "annual_fee": 375,
      "target": "mainstream-business",
      "cobranded": false,
      "rewards": "4x top 2 categories where you spend most; 1x other; intro 200k points",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $300/item, $1,000/yr",
        "extended_warranty": "+1 yr on warranties ≤5yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "Same MR partners"
        ],
        "transfer_ratio": "1:1",
        "points_value_estimate": "1.5–2.0¢ per MR point",
        "credit_score": "Good (670+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "N/A (charge card)",
        "min_credit_limit": "No preset limit",
        "source": "global.americanexpress.com / business-gold"
      }
    },
    {
      "id": "amex-blue-business-plus",
      "name": "Blue Business Plus Card from American Express",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "business-membership-rewards",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "2x MR on first $50k; 1x after; intro 15k",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg"
    },
    {
      "id": "amex-blue-business-cash",
      "name": "Blue Business Cash Card from American Express",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "business-cashback",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "2% cashback on first $50k; 1% after; intro $250",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg"
    },
    {
      "id": "amex-marriott-bonvoy-business",
      "name": "Marriott Bonvoy Business American Express Card",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "business-hotel",
      "annual_fee": 125,
      "target": "business",
      "cobranded": true,
      "rewards": "6x Marriott; 4x dining/office/Internet; free-night up to 35k; Gold status",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg"
    },
    {
      "id": "amex-lowes-business",
      "name": "Lowe's Business Rewards Card from American Express",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "cobranded-store-business",
      "annual_fee": 0,
      "target": "lowes-business",
      "cobranded": true,
      "rewards": "5% Lowe's; 2% dining/gas/office",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg"
    },
    {
      "id": "amex-canada-tire-money-card",
      "name": "Amex US / Canada variants (excluded for US-only scope)",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "international",
      "annual_fee": 0,
      "target": "n/a",
      "cobranded": false,
      "rewards": "excluded",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg"
    },
    {
      "id": "cap1-venture-x",
      "name": "Capital One Venture X Rewards",
      "issuer": "Capital One, N.A.",
      "network": "Visa",
      "type": "premium-travel",
      "annual_fee": 395,
      "target": "premium",
      "cobranded": false,
      "rewards": "10x hotels via Cap1 Travel; 5x flights via Cap1 Travel; 2x other; 75k signup; $300 Cap1 Travel + 10k anniversary",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $300/item, $3,000/yr",
        "purchase_protection": "120 days",
        "extended_warranty": "+1 yr (cap varies)",
        "travel_insurance": "Primary rental car; trip cancellation",
        "lounge_access": "Priority Pass (10 visits/yr, then $45)",
        "transfer_partners": [
          "Air Canada Aeroplan",
          "Avianca Lifemiles",
          "British Airways Avios",
          "Singapore KrisFlyer",
          "TAP Air Portugal Miles&Go",
          "Turkish Airlines Miles&Smiles",
          "Virgin Red",
          "Air France-KLM Flying Blue",
          "Emirates Skywards",
          "Qatar Airways Privilege Club",
          "Hilton Honors",
          "Marriott Bonvoy",
          "Wyndham",
          "Choice"
        ],
        "transfer_ratio": "1:1",
        "points_value_estimate": "1.85¢ per mile via transfer",
        "credit_score": "Excellent (740+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "N/A",
        "min_credit_limit": "$10,000 typical",
        "source": "capitalone.com / venture-x"
      }
    },
    {
      "id": "cap1-venture",
      "name": "Capital One Venture Rewards",
      "issuer": "Capital One, N.A.",
      "network": "Visa",
      "type": "travel",
      "annual_fee": 95,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "2x miles flat; 75k signup; up to $100 Global Entry credit",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $300/item, $3,000/yr",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "Same as Venture X"
        ],
        "transfer_ratio": "1:1",
        "points_value_estimate": "1.85¢ per mile",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "N/A",
        "min_credit_limit": "$5,000 typical",
        "source": "capitalone.com / venture"
      }
    },
    {
      "id": "cap1-ventureone",
      "name": "Capital One VentureOne Rewards",
      "issuer": "Capital One, N.A.",
      "network": "Visa",
      "type": "travel",
      "annual_fee": 0,
      "target": "starter",
      "cobranded": false,
      "rewards": "1.25x miles flat; intro 20k miles",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "cap1-savor",
      "name": "Capital One Savor Cash Rewards",
      "issuer": "Capital One, N.A.",
      "network": "Visa",
      "type": "cashback",
      "annual_fee": 95,
      "target": "dining-entertainment",
      "cobranded": false,
      "rewards": "4% dining/entertainment/popular streaming; 3% grocery; 1% other",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $300/item, $3,000/yr",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "Same as Venture"
        ],
        "transfer_ratio": "1:1",
        "points_value_estimate": "1.85¢ per mile",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 12 months (purchases)",
        "min_credit_limit": "$2,000+",
        "source": "capitalone.com / savor"
      }
    },
    {
      "id": "cap1-savor-one",
      "name": "Capital One SavorOne Cash Rewards",
      "issuer": "Capital One, N.A.",
      "network": "Visa",
      "type": "cashback",
      "annual_fee": 0,
      "target": "dining-entertainment",
      "cobranded": false,
      "rewards": "3% dining/entertainment/supermarket/streaming; 1% other; intro $200",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "cap1-quicksilver",
      "name": "Capital One Quicksilver Cash Rewards",
      "issuer": "Capital One, N.A.",
      "network": "Visa",
      "type": "cashback",
      "annual_fee": 0,
      "target": "starter",
      "cobranded": false,
      "rewards": "1.5% flat; intro $200",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $300/item, $3,000/yr",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "N/A (cashback)"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "1.5% flat",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 15 months (purchases)",
        "min_credit_limit": "$500+",
        "source": "capitalone.com / quicksilver"
      }
    },
    {
      "id": "cap1-quicksilverone",
      "name": "Capital One QuicksilverOne Cash Rewards",
      "issuer": "Capital One, N.A.",
      "network": "Visa",
      "type": "credit-builder",
      "annual_fee": 39,
      "target": "credit-builder",
      "cobranded": false,
      "rewards": "1.5% flat; no foreign tx fee",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "cap1-platinum",
      "name": "Capital One Platinum",
      "issuer": "Capital One, N.A.",
      "network": "Visa",
      "type": "credit-builder",
      "annual_fee": 0,
      "target": "starter",
      "cobranded": false,
      "rewards": "0% intro APR; no rewards; access to CreditWise",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "cap1-spark-cash-plus",
      "name": "Capital One Spark Cash Plus",
      "issuer": "Capital One, N.A.",
      "network": "Visa",
      "type": "business-cashback",
      "annual_fee": 150,
      "target": "premium-business",
      "cobranded": false,
      "rewards": "2% flat on everything; $1,200 signup; no preset limit (charge-like)",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $300/item, $3,000/yr",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "Same as Venture"
        ],
        "transfer_ratio": "1:1",
        "points_value_estimate": "1.85¢ per mile",
        "credit_score": "Excellent (740+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "N/A (charge-like)",
        "min_credit_limit": "No preset limit",
        "source": "capitalone.com / spark-cash-plus"
      }
    },
    {
      "id": "cap1-spark-miles-plus",
      "name": "Capital One Spark Miles Plus for Business",
      "issuer": "Capital One, N.A.",
      "network": "Visa",
      "type": "business-travel",
      "annual_fee": 99,
      "target": "business",
      "cobranded": false,
      "rewards": "2x miles flat; 50k signup",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "cap1-spark-cash-select",
      "name": "Capital One Spark Cash Select",
      "issuer": "Capital One, N.A.",
      "network": "Visa",
      "type": "business-cashback",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "1.5% flat; intro $750",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $300/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "N/A (cashback)"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "1.5% flat",
        "credit_score": "Good (670+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 12 months (purchases + BT)",
        "min_credit_limit": "$500+",
        "source": "capitalone.com / spark-cash-select"
      }
    },
    {
      "id": "cap1-spark-miles",
      "name": "Capital One Spark Miles for Business",
      "issuer": "Capital One, N.A.",
      "network": "Visa",
      "type": "business-travel",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "2x miles flat; 50k signup",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $300/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "Same as Venture (1:1)"
        ],
        "transfer_ratio": "1:1",
        "points_value_estimate": "1.85¢ per mile",
        "credit_score": "Good (670+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 12 months (purchases)",
        "min_credit_limit": "$1,000+",
        "source": "capitalone.com / spark-miles"
      }
    },
    {
      "id": "cap1-spark-classic",
      "name": "Capital One Spark Classic for Business",
      "issuer": "Capital One, N.A.",
      "network": "Visa",
      "type": "business-credit-builder",
      "annual_fee": 0,
      "target": "credit-builder-business",
      "cobranded": false,
      "rewards": "1% flat",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "cap1-jpmc-cards",
      "name": "Walmart Rewards Card (Cap1)",
      "issuer": "Capital One, N.A.",
      "network": "Mastercard",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "walmart",
      "cobranded": true,
      "rewards": "5% Walmart.com; 2% Walmart+; 1% in-store",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "cap1-menards",
      "name": "Menards BIG Card",
      "issuer": "Capital One, N.A.",
      "network": "Mastercard",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "menards",
      "cobranded": true,
      "rewards": "BIG points on Menards purchases",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "cap1-cabelas",
      "name": "Cabela's Club Mastercard (Cap1 sub)",
      "issuer": "Capital One, N.A.",
      "network": "Mastercard",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "cabelas",
      "cobranded": true,
      "rewards": "Cabela's CLUB points + 2% on gas",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "cap1-ba-vant",
      "name": "British Airways Visa Signature (Cap1 legacy — moved to Chase in 2023)",
      "issuer": "Capital One, N.A.",
      "network": "Visa",
      "type": "cobranded-airline",
      "annual_fee": 95,
      "target": "airline-loyalty",
      "cobranded": true,
      "rewards": "3x BA; 1x other; Travel Together Ticket; legacy",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "discover-it",
      "name": "Discover it Cash Back",
      "issuer": "Discover Bank",
      "network": "Discover",
      "type": "cashback",
      "annual_fee": 0,
      "target": "starter",
      "cobranded": false,
      "rewards": "5% rotating quarterly; 1% other; Cashback Match first year",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Discover_Card_logo.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $500/item, $1,000/yr",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "N/A (cashback)"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "1.0–5.0% cashback",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 15 months (purchases + BT)",
        "min_credit_limit": "$500+",
        "source": "discover.com / credit-cards / cash-back"
      }
    },
    {
      "id": "discover-it-chrome",
      "name": "Discover it Chrome",
      "issuer": "Discover Bank",
      "network": "Discover",
      "type": "cashback",
      "annual_fee": 0,
      "target": "starter",
      "cobranded": false,
      "rewards": "2% gas/restaurant; 1% other; Cashback Match first year",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Discover_Card_logo.svg"
    },
    {
      "id": "discover-it-student",
      "name": "Discover it Student Cash Back",
      "issuer": "Discover Bank",
      "network": "Discover",
      "type": "student-cashback",
      "annual_fee": 0,
      "target": "student",
      "cobranded": false,
      "rewards": "5% rotating; 1% other; good grade reward $20 each year 5y; Cashback Match",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Discover_Card_logo.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40 (waived first time)",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "None"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "5% rotating / 1% other; $20 GPA reward",
        "credit_score": "No minimum (student)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 6 months (purchases)",
        "min_credit_limit": "$500+",
        "source": "discover.com / student"
      }
    },
    {
      "id": "discover-it-student-chrome",
      "name": "Discover it Student Chrome",
      "issuer": "Discover Bank",
      "network": "Discover",
      "type": "student-cashback",
      "annual_fee": 0,
      "target": "student",
      "cobranded": false,
      "rewards": "2% gas/restaurant; 1% other; good grade reward",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Discover_Card_logo.svg"
    },
    {
      "id": "discover-secured",
      "name": "Discover it Secured",
      "issuer": "Discover Bank",
      "network": "Discover",
      "type": "secured-credit-builder",
      "annual_fee": 0,
      "target": "secured-builder",
      "cobranded": false,
      "rewards": "2% gas/restaurant; 1% other; refundable deposit $200-$2500; Cashback Match",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Discover_Card_logo.svg"
    },
    {
      "id": "discover-miles",
      "name": "Discover it Miles",
      "issuer": "Discover Bank",
      "network": "Discover",
      "type": "travel",
      "annual_fee": 0,
      "target": "starter",
      "cobranded": false,
      "rewards": "1.5x miles flat; no foreign tx; Cashback Match",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Discover_Card_logo.svg"
    },
    {
      "id": "discover-business",
      "name": "Discover Business Card",
      "issuer": "Discover Bank",
      "network": "Discover",
      "type": "business-cashback",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "1.5% flat; intro $500; employee cards free",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Discover_Card_logo.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "None"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "1.5% flat; intro $500 (Cashback Match)",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 12 months (purchases)",
        "min_credit_limit": "$500+",
        "source": "discover.com / business"
      }
    },
    {
      "id": "citi-double-cash",
      "name": "Citi Double Cash Card",
      "issuer": "Citibank, N.A.",
      "network": "Mastercard",
      "type": "cashback",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "2% on every purchase (1% buy + 1% pay); 0% intro APR 18mo",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg",
      "benefits": {
        "foreign_tx_fee_pct": 3.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $300/item, $1,000/yr",
        "extended_warranty": "+1 yr on warranties ≤5yr",
        "purchase_protection": "120 days, up to $10k/claim",
        "travel_insurance": "Secondary rental car; trip cancellation",
        "lounge_access": "N/A",
        "transfer_partners": [
          "Citi ThankYou partners (16 airlines, 3 hotels)"
        ],
        "transfer_ratio": "1:1 (varies)",
        "points_value_estimate": "1.0–2.0¢ per ThankYou point",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 18 months (balance transfer)",
        "min_credit_limit": "$500+",
        "source": "citi.com / double-cash"
      }
    },
    {
      "id": "citi-custom-cash",
      "name": "Citi Custom Cash Card",
      "issuer": "Citibank, N.A.",
      "network": "Mastercard",
      "type": "cashback",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "5% on top spend category (up to $500/mo); 1% other; intro $200",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg",
      "benefits": {
        "foreign_tx_fee_pct": 3.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $300/item, $1,000/yr",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "Same as Double Cash"
        ],
        "transfer_ratio": "1:1 (varies)",
        "points_value_estimate": "1.0–2.0¢ per point",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 15 months (purchases + BT)",
        "min_credit_limit": "$500+",
        "source": "citi.com / custom-cash"
      }
    },
    {
      "id": "citi-strata-premier",
      "name": "Citi Strata Premier Card",
      "issuer": "Citibank, N.A.",
      "network": "Mastercard",
      "type": "travel",
      "annual_fee": 95,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "3x travel/dining/grocery/streaming/transport; 1x other; intro 80k TYP; $100 hotel credit",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $300/item, $1,000/yr",
        "extended_warranty": "+1 yr on warranties ≤5yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Primary rental car; trip cancellation",
        "lounge_access": "N/A",
        "transfer_partners": [
          "Air France-KLM",
          "Avianca",
          "Cathay Pacific",
          "Emirates",
          "Etihad",
          "JetBlue",
          "Qatar",
          "Singapore",
          "Thai",
          "Turkish",
          "Virgin Atlantic",
          "Hilton",
          "Wyndham",
          "Choice"
        ],
        "transfer_ratio": "1:1",
        "points_value_estimate": "1.5–2.0¢ per ThankYou point",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "N/A",
        "min_credit_limit": "$5,000 typical",
        "source": "citi.com / strata-premier"
      }
    },
    {
      "id": "citi-strata-elite",
      "name": "Citi Strata Elite (new 2024-25)",
      "issuer": "Citibank, N.A.",
      "network": "Mastercard",
      "type": "premium-travel",
      "annual_fee": 595,
      "target": "premium",
      "cobranded": false,
      "rewards": "up to 12x hotels; 6x air; 1.5x other; $300 hotel + $200 airline credits; Priority Pass; 100k TYP intro",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "citi-rewards-plus",
      "name": "Citi Rewards+ Card",
      "issuer": "Citibank, N.A.",
      "network": "Mastercard",
      "type": "cashback",
      "annual_fee": 0,
      "target": "starter",
      "cobranded": false,
      "rewards": "2x supermarkets/gas; 1x other; 10% points back on first 100k redeemed/yr; round-up",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg",
      "benefits": {
        "foreign_tx_fee_pct": 3.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $300/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "Same ThankYou partners"
        ],
        "transfer_ratio": "1:1 (varies)",
        "points_value_estimate": "10% points-back on first 100k redemption",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 15 months (purchases + BT)",
        "min_credit_limit": "$500+",
        "source": "citi.com / rewards-plus"
      }
    },
    {
      "id": "citi-tyc",
      "name": "Citi ThankYou Preferred",
      "issuer": "Citibank, N.A.",
      "network": "Mastercard",
      "type": "rewards",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "3x dining/supermarket/gas/streaming/transport; intro 20k TYP; 0% intro APR 15mo",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "citi-secured",
      "name": "Citi Secured Mastercard",
      "issuer": "Citibank, N.A.",
      "network": "Mastercard",
      "type": "secured-credit-builder",
      "annual_fee": 0,
      "target": "secured-builder",
      "cobranded": false,
      "rewards": "no rewards; refundable deposit; path to graduation",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "citi-att-access-more",
      "name": "AT&T Access More Card",
      "issuer": "Citibank, N.A.",
      "network": "Visa",
      "type": "cobranded-telecom",
      "annual_fee": 0,
      "target": "att-loyalty",
      "cobranded": true,
      "rewards": "3% AT&T; 2% grocery/streaming/landline; 1% other; intro $100 statement credit",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "citi-costco-anywhere",
      "name": "Costco Anywhere Visa Card by Citi",
      "issuer": "Citibank, N.A.",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "costco",
      "cobranded": true,
      "rewards": "4% gas (costco); 3% travel/restaurant; 2% costco; 1% other",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "citi-princess-cruises",
      "name": "Princess Cruises Rewards Visa",
      "issuer": "Citibank, N.A.",
      "network": "Visa",
      "type": "cobranded-cruise",
      "annual_fee": 0,
      "target": "cruise-loyalty",
      "cobranded": true,
      "rewards": "2x Princess; 1x other; intro 20k points",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "citi-sears",
      "name": "Sears Solutions Card (legacy)",
      "issuer": "Citibank, N.A.",
      "network": "Mastercard",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "sears",
      "cobranded": true,
      "rewards": "Sears points; legacy",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "citi-bp",
      "name": "BP Credit Card",
      "issuer": "Citibank, N.A.",
      "network": "Mastercard",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "bp",
      "cobranded": true,
      "rewards": "$0.10/gal at BP; 2% other",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "citi-ashley-homestore",
      "name": "Ashley HomeStore Card",
      "issuer": "Citibank, N.A.",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "ashley",
      "cobranded": true,
      "rewards": "Ashley points + intro APR",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "citi-amex-cobranded",
      "name": "American Airlines AAdvantage MileUp Card (Citi)",
      "issuer": "Citibank, N.A.",
      "network": "Amex",
      "type": "cobranded-airline",
      "annual_fee": 0,
      "target": "aa-loyalty",
      "cobranded": true,
      "rewards": "2x AA; 2x grocery; 1x other; intro 15k miles",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg"
    },
    {
      "id": "citi-aa-platinum",
      "name": "Citi / AAdvantage Platinum Select Mastercard",
      "issuer": "Citibank, N.A.",
      "network": "Mastercard",
      "type": "cobranded-airline",
      "annual_fee": 99,
      "target": "aa-loyalty",
      "cobranded": true,
      "rewards": "2x AA; 2x dining/gas; preferred boarding; free first checked bag; intro 50k miles",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "citi-aa-exec",
      "name": "Citi / AAdvantage Executive Mastercard",
      "issuer": "Citibank, N.A.",
      "network": "Mastercard",
      "type": "cobranded-airline",
      "annual_fee": 595,
      "target": "aa-loyalty",
      "cobranded": true,
      "rewards": "10x AA; 1x other; Admirals Club access; $200 AA credit; intro 70k",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "citi-aa-business",
      "name": "Citi / AAdvantage Business Mastercard",
      "issuer": "Citibank, N.A.",
      "network": "Mastercard",
      "type": "business-airline",
      "annual_fee": 99,
      "target": "aa-business",
      "cobranded": true,
      "rewards": "2x AA; 2x office supplies/commute; 1x other",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "citi-expedia-voyager",
      "name": "Expedia Voyager Card (legacy, Citi)",
      "issuer": "Citibank, N.A.",
      "network": "Visa",
      "type": "cobranded-travel",
      "annual_fee": 95,
      "target": "expedia",
      "cobranded": true,
      "rewards": "2x Expedia; 1x other; Gold status; $100 credit",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "citi-sephora",
      "name": "Sephora Credit Card (Citi)",
      "issuer": "Citibank, N.A.",
      "network": "Mastercard",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "sephora",
      "cobranded": true,
      "rewards": "4% Sephora; 2% dining/grocery; 1% other; Insider birthday",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "boa-customized-cash",
      "name": "Bank of America Customized Cash Rewards",
      "issuer": "Bank of America, N.A.",
      "network": "Visa",
      "type": "cashback",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "3% choice category; 2% grocery/wholesale; 1% other; intro $200; 50-75% Preferred Rewards boost",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 3.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $300/item, $1,000/yr",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "N/A (cashback)"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "Choice category 3%",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 15 months (BT)",
        "min_credit_limit": "$500+",
        "source": "bankofamerica.com / customized-cash"
      }
    },
    {
      "id": "boa-unlimited-cash",
      "name": "Bank of America Unlimited Cash Rewards",
      "issuer": "Bank of America, N.A.",
      "network": "Visa",
      "type": "cashback",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "1.5% flat; intro $200; 50-75% Preferred Rewards boost",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "boa-premium-rewards",
      "name": "Bank of America Premium Rewards",
      "issuer": "Bank of America, N.A.",
      "network": "Visa",
      "type": "travel",
      "annual_fee": 95,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "2x travel/dining; 1.5x other; $200 travel + $100 airline incidentals credits; 25-75% Preferred Rewards boost",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $300/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Primary rental car",
        "lounge_access": "Priority Pass (4 visits/yr, then $27)",
        "transfer_partners": [
          "N/A"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "1.0¢/pt (2.0¢ via Preferred Rewards Platinum/Honors tier)",
        "credit_score": "Good to Excellent (720+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "N/A",
        "min_credit_limit": "$5,000+",
        "source": "bankofamerica.com / premium-rewards"
      }
    },
    {
      "id": "boa-premium-rewards-elite",
      "name": "Bank of America Premium Rewards Elite",
      "issuer": "Bank of America, N.A.",
      "network": "Visa",
      "type": "premium-travel",
      "annual_fee": 550,
      "target": "premium",
      "cobranded": false,
      "rewards": "2x travel/dining; 1.5x other; $300 travel + $200 airline + $200 dining credits; Preferred Rewards boost",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "boa-travel-rewards",
      "name": "Bank of America Travel Rewards",
      "issuer": "Bank of America, N.A.",
      "network": "Visa",
      "type": "travel",
      "annual_fee": 0,
      "target": "starter",
      "cobranded": false,
      "rewards": "1.5x flat; no foreign tx; intro 25k",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $300/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "N/A (1.5x travel)"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "1.0¢/pt as statement credit; 2.0¢ via Preferred Rewards",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 15 months (purchases)",
        "min_credit_limit": "$500+",
        "source": "bankofamerica.com / travel-rewards"
      }
    },
    {
      "id": "boa-better-balance",
      "name": "BankAmericard Better Balance",
      "issuer": "Bank of America, N.A.",
      "network": "Mastercard",
      "type": "rewards",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "$0 intro APR 0% 15mo; no annual fee; balance assist",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "boa-ml-business",
      "name": "Bank of America Business Advantage Cash Rewards Mastercard",
      "issuer": "Bank of America, N.A.",
      "network": "Mastercard",
      "type": "business-cashback",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "3% choice category; 2% dining; 1% other; intro $300",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "boa-ml-business-travel",
      "name": "Bank of America Business Advantage Travel Rewards",
      "issuer": "Bank of America, N.A.",
      "network": "Visa",
      "type": "business-travel",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "1.5x flat; intro 30k; Preferred Rewards boost",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "boa-aaa",
      "name": "AAA Member Rewards Visa (BofA)",
      "issuer": "Bank of America, N.A.",
      "network": "Visa",
      "type": "cobranded-affinity",
      "annual_fee": 0,
      "target": "aaa",
      "cobranded": true,
      "rewards": "3% AAA; 2% gas/dining/office/streaming; 1% other; intro $100; AAA perks",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "boa-merrill-lynch",
      "name": "Merrill Lynch Asset Builder Visa (BofA sub)",
      "issuer": "Bank of America, N.A.",
      "network": "Visa",
      "type": "wealth-charge",
      "annual_fee": 0,
      "target": "mlb-clients",
      "cobranded": true,
      "rewards": "ML Preferred Rewards 25-75% boost; up to 2.62% back; intro 60k points",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "boa-td-amex",
      "name": "BofA Td Ameritrade / Ameritrade cards (legacy, defunct)",
      "issuer": "Bank of America, N.A.",
      "network": "Visa",
      "type": "cobranded-brokerage",
      "annual_fee": 0,
      "target": "td-ameritrade",
      "cobranded": true,
      "rewards": "Brokerage-specific; legacy",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "boa-uncf",
      "name": "Bank of America Customized Cash Rewards UNCF",
      "issuer": "Bank of America, N.A.",
      "network": "Visa",
      "type": "cobranded-affinity",
      "annual_fee": 0,
      "target": "uncf",
      "cobranded": true,
      "rewards": "UNCF donation; 3% choice; same as Customized Cash",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "wf-active-cash",
      "name": "Wells Fargo Active Cash Card",
      "issuer": "Wells Fargo Bank, N.A.",
      "network": "Visa",
      "type": "cashback",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "2% flat; intro $200; cell-phone protection; 0% intro APR 15mo",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 3.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr on warranties ≤3yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "N/A"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "2.0% flat (or 4.0% with $50k+ portfolio)",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 15 months (purchases + BT)",
        "min_credit_limit": "$1,000+",
        "source": "wellsfargo.com / active-cash"
      }
    },
    {
      "id": "wf-autograph",
      "name": "Wells Fargo Autograph Card",
      "issuer": "Wells Fargo Bank, N.A.",
      "network": "Visa",
      "type": "points",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "3x dining/travel/transport/popular streaming/phone plan; 1x other; intro 20k points",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 3.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "N/A"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "1.0¢/pt (1.25¢ via WF Premier)",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 12 months (purchases + BT)",
        "min_credit_limit": "$1,000+",
        "source": "wellsfargo.com / autograph"
      }
    },
    {
      "id": "wf-autograph-journey",
      "name": "Wells Fargo Autograph Journey Card",
      "issuer": "Wells Fargo Bank, N.A.",
      "network": "Visa",
      "type": "premium-travel",
      "annual_fee": 95,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "4x air/hotel; 3x dining/streaming; 1x other; $50 airline credit; intro 60k; transfer partners",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Primary rental car; trip cancellation",
        "lounge_access": "N/A",
        "transfer_partners": [
          "Air France-KLM",
          "British Airways",
          "Aer Lingus",
          "Iberia",
          "Singapore",
          "Avianca",
          "Frontier",
          "Spirit",
          "Emirates",
          "Southwest",
          "United",
          "JetBlue",
          "Air Canada",
          "BermudaAir",
          "Choice",
          "Wyndham"
        ],
        "transfer_ratio": "1:1 (most)",
        "points_value_estimate": "2.0¢/pt via transfer",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 12 months (purchases + BT)",
        "min_credit_limit": "$5,000+",
        "source": "wellsfargo.com / autograph-journey"
      }
    },
    {
      "id": "wf-prime",
      "name": "Wells Fargo Prime Card (closed to new applicants)",
      "issuer": "Wells Fargo Bank, N.A.",
      "network": "Visa",
      "type": "premium-charge",
      "annual_fee": 0,
      "target": "wealth-clients",
      "cobranded": false,
      "rewards": "Invitation only; wealth-client specific",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "wf-reflect",
      "name": "Wells Fargo Reflect Card",
      "issuer": "Wells Fargo Bank, N.A.",
      "network": "Visa",
      "type": "balance-transfer",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "0% intro APR 21mo with on-time; no rewards; $0 fee",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "wf-prosper",
      "name": "Wells Fargo Prosper Card",
      "issuer": "Wells Fargo Bank, N.A.",
      "network": "Visa",
      "type": "rewards",
      "annual_fee": 0,
      "target": "starter",
      "cobranded": false,
      "rewards": "1x flat on everything; intro 0% APR 12mo; cell-phone protection",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "wf-bilt",
      "name": "Bilt Mastercard (Wells Fargo issuer)",
      "issuer": "Wells Fargo Bank, N.A.",
      "network": "Mastercard",
      "type": "rent-rewards",
      "annual_fee": 0,
      "target": "renters",
      "cobranded": false,
      "rewards": "1x rent (no tx fee); 3x dining; 2x travel; 1x other; must use 5+ times/mo; transfer partners",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "wf-choice-privil",
      "name": "Choice Privileges Visa Signature (Wells)",
      "issuer": "Wells Fargo Bank, N.A.",
      "network": "Visa",
      "type": "cobranded-hotel",
      "annual_fee": 0,
      "target": "choice-loyalty",
      "cobranded": true,
      "rewards": "up to 15x Choice; 1x other; intro 30k",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "wf-marriott-bonvoy",
      "name": "Marriott Bonvoy Bold (Wells legacy — moved to Chase in 2024)",
      "issuer": "Wells Fargo Bank, N.A.",
      "network": "Visa",
      "type": "cobranded-hotel",
      "annual_fee": 0,
      "target": "marriott-loyalty",
      "cobranded": true,
      "rewards": "2x Marriott; 1x other; intro 30k; legacy",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "wf-att-unlimited",
      "name": "AT&T Unlimited Visa Plus (Wells)",
      "issuer": "Wells Fargo Bank, N.A.",
      "network": "Visa",
      "type": "cobranded-telecom",
      "annual_fee": 0,
      "target": "att-loyalty",
      "cobranded": true,
      "rewards": "Unlimited $15/line monthly statement credit (if AT&T customer)",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "wf-sams",
      "name": "Sam's Club Mastercard (Wells)",
      "issuer": "Wells Fargo Bank, N.A.",
      "network": "Mastercard",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "sams",
      "cobranded": true,
      "rewards": "5% gas; 3% dining/travel; 1% other; Sam's Club membership fee tier",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "wf-money-key",
      "name": "Wells Fargo SecurLock / SecurID cards (debit-card & secured)",
      "issuer": "Wells Fargo Bank, N.A.",
      "network": "Visa",
      "type": "secured",
      "annual_fee": 0,
      "target": "secured-builder",
      "cobranded": false,
      "rewards": "Secured credit card",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "wf-business-platinum",
      "name": "Wells Fargo Business Platinum Card",
      "issuer": "Wells Fargo Bank, N.A.",
      "network": "Visa",
      "type": "business-balance-transfer",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "0% intro APR 12mo; no rewards; 24/7 monitoring",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "wf-business-elt",
      "name": "Wells Fargo Business Elite Card",
      "issuer": "Wells Fargo Bank, N.A.",
      "network": "Visa",
      "type": "business-cashback",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "1.5% flat; 0% intro APR 12mo",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "wf-business-anywhere",
      "name": "Wells Fargo Business Anywhere Visa",
      "issuer": "Wells Fargo Bank, N.A.",
      "network": "Visa",
      "type": "business-cashback",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "1.5% flat; travel perks; free employee cards",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "wf-business-ink-proprietary",
      "name": "Wells Fargo Business Choice",
      "issuer": "Wells Fargo Bank, N.A.",
      "network": "Visa",
      "type": "business-cashback",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "2% office supplies/commute; 1% other; 5% Choice category",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "wf-stagecoach",
      "name": "Wells Fargo Collegiate Card (legacy)",
      "issuer": "Wells Fargo Bank, N.A.",
      "network": "Visa",
      "type": "student",
      "annual_fee": 0,
      "target": "student",
      "cobranded": false,
      "rewards": "Cash rewards; legacy; current student program is Visa Signature",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "usbank-altitude-connect",
      "name": "U.S. Bank Altitude Connect Visa Infinite",
      "issuer": "U.S. Bank, N.A.",
      "network": "Visa",
      "type": "travel",
      "annual_fee": 95,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "4x travel; 4x streaming/phone plan; 2x dining; 1x other; intro 50k; $30 streaming credit",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "usbank-altitude-go",
      "name": "U.S. Bank Altitude Go Visa Signature",
      "issuer": "U.S. Bank, N.A.",
      "network": "Visa",
      "type": "rewards",
      "annual_fee": 0,
      "target": "dining",
      "cobranded": false,
      "rewards": "4x dining/streaming/takeout; 2x gas; 1x other; intro 25k; $15 streaming",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "Real-time travel redemptions only"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "1.0¢/pt real-time travel",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 12 months (purchases + BT)",
        "min_credit_limit": "$1,000+",
        "source": "usbank.com / altitude-go"
      }
    },
    {
      "id": "usbank-cash-plus",
      "name": "U.S. Bank Cash+ Visa Signature Card",
      "issuer": "U.S. Bank, N.A.",
      "network": "Visa",
      "type": "cashback",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "5% choice 2 categories (up to $2000/mo); 2% choice one category; 1% other; intro $200",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "N/A"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "5% choice / 2% choice / 1% other",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 12 months (purchases + BT)",
        "min_credit_limit": "$500+",
        "source": "usbank.com / cash-plus"
      }
    },
    {
      "id": "usbank-altitude-reserve",
      "name": "U.S. Bank Altitude Reserve Visa Infinite",
      "issuer": "U.S. Bank, N.A.",
      "network": "Visa",
      "type": "premium-travel",
      "annual_fee": 400,
      "target": "premium",
      "cobranded": false,
      "rewards": "3x travel/mobile; 1x other; $325 travel + Priority Pass credits; intro 50k; 12h air buffer",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr on warranties ≤5yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Primary rental car; trip delay; trip cancellation",
        "lounge_access": "Priority Pass (unlimited, incl. 2 guests)",
        "transfer_partners": [
          "None (real-time travel redemptions via U.S. Bank Travel)",
          "Real-time airfare/hotel/cruise at 1.5¢/pt"
        ],
        "transfer_ratio": "N/A (real-time travel redemptions)",
        "points_value_estimate": "1.5¢/pt real-time; 1.0¢ for travel via Real Time Rewards",
        "credit_score": "Excellent (740+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "N/A (V)",
        "min_credit_limit": "$10,000+",
        "source": "usbank.com / altitude-reserve"
      }
    },
    {
      "id": "usbank-shopper-cash",
      "name": "U.S. Bank Shopper Cash Rewards Visa Signature",
      "issuer": "U.S. Bank, N.A.",
      "network": "Visa",
      "type": "cashback",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "6% choice 2 categories (up to $1500); 3% choice 1 category; 1.5% other; intro $150",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "usbank-business-leverage",
      "name": "U.S. Bank Business Leverage Visa",
      "issuer": "U.S. Bank, N.A.",
      "network": "Visa",
      "type": "business-cashback",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "up to 5% on 2 categories; 1% other; intro $750",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "Real-time travel redemptions only"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "5% on 2 categories; 1% other",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 12 months (purchases)",
        "min_credit_limit": "$1,000+",
        "source": "usbank.com / business-leverage"
      }
    },
    {
      "id": "usbank-business-triple-cash",
      "name": "U.S. Bank Business Triple Cash Rewards",
      "issuer": "U.S. Bank, N.A.",
      "network": "Visa",
      "type": "business-cashback",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "3% gas/office/utility; 2% dining; 1% other; intro $500",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "Real-time travel redemptions only"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "3% gas/office/utility; 2% dining; 1% other",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 12 months (purchases + BT)",
        "min_credit_limit": "$1,000+",
        "source": "usbank.com / business-triple-cash"
      }
    },
    {
      "id": "usbank-business-altitude",
      "name": "U.S. Bank Business Altitude Connect",
      "issuer": "U.S. Bank, N.A.",
      "network": "Visa",
      "type": "business-cashback",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "4x travel; 2x dining/streaming/phone; 1x other; intro 75k",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "usbank-platinum",
      "name": "U.S. Bank Visa Platinum Card",
      "issuer": "U.S. Bank, N.A.",
      "network": "Visa",
      "type": "balance-transfer",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "0% intro APR 20mo; no rewards; intro APR with RT",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "usbank-secured",
      "name": "U.S. Bank Secured Visa Card",
      "issuer": "U.S. Bank, N.A.",
      "network": "Visa",
      "type": "secured-credit-builder",
      "annual_fee": 0,
      "target": "secured-builder",
      "cobranded": false,
      "rewards": "1% back; refundable deposit $300-$5000; review at 12mo",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "usbank-arabian",
      "name": "U.S. Bank Shield Visa (legacy — for govt employees)",
      "issuer": "U.S. Bank, N.A.",
      "network": "Visa",
      "type": "affinity",
      "annual_fee": 0,
      "target": "govt",
      "cobranded": true,
      "rewards": "1.5% cash back; up to $100 promo credit",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "pnc-cash-rewards",
      "name": "PNC Cash Rewards Visa",
      "issuer": "PNC Bank, N.A.",
      "network": "Visa",
      "type": "cashback",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "4% gas; 3% dining; 2% grocery; 1% other; intro $200",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "pnc-points",
      "name": "PNC points Visa",
      "issuer": "PNC Bank, N.A.",
      "network": "Visa",
      "type": "points",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "4x gas/dining; 2x grocery; 1x other; intro 30k",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "pnc-premier-traveler",
      "name": "PNC Premier Traveler Visa Signature",
      "issuer": "PNC Bank, N.A.",
      "network": "Visa",
      "type": "travel",
      "annual_fee": 95,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "2x travel; 1.5x other; intro 30k; $250 air credit",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "pnc-business-options",
      "name": "PNC BusinessOptions Visa",
      "issuer": "PNC Bank, N.A.",
      "network": "Visa",
      "type": "business-cashback",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "2x office supplies/commute; 1% other; intro $200",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 3.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "None"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "2% office supplies/commute; 1% other",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 12 months (purchases + BT)",
        "min_credit_limit": "$1,000+",
        "source": "pnc.com / business"
      }
    },
    {
      "id": "pnc-business-traveler",
      "name": "PNC Business Traveler",
      "issuer": "PNC Bank, N.A.",
      "network": "Visa",
      "type": "business-travel",
      "annual_fee": 0,
      "target": "business",
      "cobranded": false,
      "rewards": "1.5x travel; 1% other; intro 30k",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "None"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "1.5× travel; 1× other",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 12 months (purchases)",
        "min_credit_limit": "$1,000+",
        "source": "pnc.com / business-travel"
      }
    },
    {
      "id": "pnc-secured",
      "name": "PNC Secured Visa",
      "issuer": "PNC Bank, N.A.",
      "network": "Visa",
      "type": "secured-credit-builder",
      "annual_fee": 0,
      "target": "secured-builder",
      "cobranded": false,
      "rewards": "Refundable deposit; no rewards; access to credit education",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "td-double-up",
      "name": "TD Double Up Credit Card",
      "issuer": "TD Bank, N.A.",
      "network": "Visa",
      "type": "cashback",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "2% on first $7500; 1% after; intro $100; path to higher tier",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "td-first-class",
      "name": "TD First Class Visa Signature",
      "issuer": "TD Bank, N.A.",
      "network": "Visa",
      "type": "travel",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "3x dining; 2x travel; 1x other; intro 25k TD points",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "td-cash",
      "name": "TD Cash Credit Card",
      "issuer": "TD Bank, N.A.",
      "network": "Visa",
      "type": "cashback",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "3% dining; 2% grocery; 1% other; intro $150",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "td-flex",
      "name": "TD FlexPay Credit Card",
      "issuer": "TD Bank, N.A.",
      "network": "Visa",
      "type": "balance-transfer",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "0% intro APR 15mo; plans feature (split large purchases into monthly plans)",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "td-business",
      "name": "TD Business Solutions Credit Card",
      "issuer": "TD Bank, N.A.",
      "network": "Visa",
      "type": "business-cashback",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "2x office supplies/Internet/cable/commute; 1% other",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 3.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "None"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "2% office/Internet/cable/commute; 1% other",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 12 months (purchases)",
        "min_credit_limit": "$1,000+",
        "source": "tdbank.com / business"
      }
    },
    {
      "id": "td-business-flex",
      "name": "TD Business Flex Pay",
      "issuer": "TD Bank, N.A.",
      "network": "Visa",
      "type": "business-balance-transfer",
      "annual_fee": 0,
      "target": "business",
      "cobranded": false,
      "rewards": "0% intro APR 12mo; plans feature",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "truist-momentum",
      "name": "Truist Enjoy Travel Credit Card (Momentum)",
      "issuer": "Truist Bank",
      "network": "Visa",
      "type": "travel",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "3x travel; 2x dining/utility; 1x other; intro 25k; light perks",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "truist-cash-back",
      "name": "Truist Enjoy Cash Credit Card",
      "issuer": "Truist Bank",
      "network": "Visa",
      "type": "cashback",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "1.5% flat; intro $100; $0 fee",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "truist-future-card",
      "name": "Truist Future Card",
      "issuer": "Truist Bank",
      "network": "Visa",
      "type": "student",
      "annual_fee": 0,
      "target": "student",
      "cobranded": false,
      "rewards": "1% flat; credit-education tools; intro $50",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "truist-secured",
      "name": "Truist Secured Credit Card",
      "issuer": "Truist Bank",
      "network": "Visa",
      "type": "secured-credit-builder",
      "annual_fee": 0,
      "target": "secured-builder",
      "cobranded": false,
      "rewards": "1% flat; refundable deposit $200-$2500; auto credit-line review",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "truist-business-credit",
      "name": "Truist Business Credit Card",
      "issuer": "Truist Bank",
      "network": "Visa",
      "type": "business-cashback",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "3% choice category; 1% other; intro $300",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 3.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "None"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "3% choice category; 1% other; intro $300",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 12 months (purchases)",
        "min_credit_limit": "$1,000+",
        "source": "truist.com / business"
      }
    },
    {
      "id": "fifth-third-1.67",
      "name": "Fifth Third 1.67% Cash/Back Card",
      "issuer": "Fifth Third Bank, N.A.",
      "network": "Mastercard",
      "type": "cashback",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "1.67% flat; intro 0% APR 15mo; $0 fee",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "fifth-third-trist-preferred",
      "name": "Fifth Third Preferred Cash/Back",
      "issuer": "Fifth Third Bank, N.A.",
      "network": "Mastercard",
      "type": "cashback",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "1.5% flat + 0.25% more if active 53 banking (saves $4k+); intro $200",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "fifth-third-triple-cash",
      "name": "Fifth Third Triple Cash Back Credit Card",
      "issuer": "Fifth Third Bank, N.A.",
      "network": "Mastercard",
      "type": "cashback",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "3% gas/streaming/dining; 1% other; intro $200",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "fifth-third-featured",
      "name": "Fifth Third Featured 5.7% / 2% (rotating quarterly)",
      "issuer": "Fifth Third Bank, N.A.",
      "network": "Mastercard",
      "type": "cashback",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "5.7% rotating quarterly; 2% other; intro $200",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "fifth-third-empower",
      "name": "Fifth Third Empower Card",
      "issuer": "Fifth Third Bank, N.A.",
      "network": "Mastercard",
      "type": "student",
      "annual_fee": 0,
      "target": "student",
      "cobranded": false,
      "rewards": "1.5% flat; $0 fee; financial tools",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "fifth-third-business-card",
      "name": "Fifth Third Business Credit Card",
      "issuer": "Fifth Third Bank, N.A.",
      "network": "Mastercard",
      "type": "business-cashback",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "1.5% flat; intro $200; 0% intro APR 12mo",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $40",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "120 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "None"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "1.5% flat; intro $200",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 12 months (purchases + BT)",
        "min_credit_limit": "$1,000+",
        "source": "53.com / business"
      }
    },
    {
      "id": "fifth-third-business-cash",
      "name": "Fifth Third Business Cash/Back",
      "issuer": "Fifth Third Bank, N.A.",
      "network": "Mastercard",
      "type": "business-cashback",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "up to 3% on categories; 1% other",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "key-hawaian",
      "name": "KeyBank Key Cashback Credit Card",
      "issuer": "KeyBank, N.A.",
      "network": "Visa",
      "type": "cashback",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "1% flat; intro 0% APR 12mo",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "key-lake",
      "name": "KeyBank Key Cashback + Travel",
      "issuer": "KeyBank, N.A.",
      "network": "Visa",
      "type": "cashback",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "2% on travel; 1% other; intro $200",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "key-mustangs",
      "name": "KeyBank Key Secured Card",
      "issuer": "KeyBank, N.A.",
      "network": "Visa",
      "type": "secured-credit-builder",
      "annual_fee": 0,
      "target": "secured-builder",
      "cobranded": false,
      "rewards": "Refundable deposit; no rewards; auto-review at 8 mo",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "key-oh-cu",
      "name": "KeyBank Key Business Cash Card",
      "issuer": "KeyBank, N.A.",
      "network": "Visa",
      "type": "business-cashback",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "2% on first $100k; 1% other; intro $300",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "hunt-preferred",
      "name": "Huntington Voice Credit Card",
      "issuer": "Huntington National Bank",
      "network": "Visa",
      "type": "cashback",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "1.5% flat; intro $100; 'Voice' customer choice",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "hunt-honors",
      "name": "Huntington Voice Business Card",
      "issuer": "Huntington National Bank",
      "network": "Visa",
      "type": "business-cashback",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "1.5% flat; intro $200",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "hunt-rsa",
      "name": "Huntington Black Community Credit Building",
      "issuer": "Huntington National Bank",
      "network": "Visa",
      "type": "credit-builder-affinity",
      "annual_fee": 0,
      "target": "credit-builder",
      "cobranded": false,
      "rewards": "1% cash back; credit education; no deposit required",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "hunt-wy",
      "name": "Huntington Secured Mastercard",
      "issuer": "Huntington National Bank",
      "network": "Mastercard",
      "type": "secured-credit-builder",
      "annual_fee": 0,
      "target": "secured-builder",
      "cobranded": false,
      "rewards": "Refundable deposit; auto-review",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "m-t-fnt",
      "name": "M&T Bank Cash Rewards Credit Card",
      "issuer": "M&T Bank Corporation",
      "network": "Visa",
      "type": "cashback",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "1.5% flat; intro $100; M&T MyChoice rewards",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "m-t-zelle",
      "name": "M&T Bank MyChoice Business Card",
      "issuer": "M&T Bank Corporation",
      "network": "Visa",
      "type": "business-cashback",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "1.5% flat; 0% intro APR 12mo",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "m-t-secured",
      "name": "M&T Bank Secured Mastercard",
      "issuer": "M&T Bank Corporation",
      "network": "Mastercard",
      "type": "secured-credit-builder",
      "annual_fee": 0,
      "target": "secured-builder",
      "cobranded": false,
      "rewards": "Refundable deposit; auto-review at 8 mo",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "regions-prestige",
      "name": "Regions Prestige Visa Signature",
      "issuer": "Regions Bank",
      "network": "Visa",
      "type": "travel",
      "annual_fee": 95,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "3x travel/dining; 1x other; intro 30k Regions Rewards; $200 air credit",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "regions-platinum",
      "name": "Regions Visa Platinum",
      "issuer": "Regions Bank",
      "network": "Visa",
      "type": "cashback",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "1% flat; intro 0% APR 12mo",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "regions-savings",
      "name": "Regions Savings Visa",
      "issuer": "Regions Bank",
      "network": "Visa",
      "type": "savings",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "1% flat into savings account; intro $100",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "regions-life",
      "name": "Regions Life Visa",
      "issuer": "Regions Bank",
      "network": "Visa",
      "type": "cobranded-affinity",
      "annual_fee": 0,
      "target": "life-customer",
      "cobranded": true,
      "rewards": "Insurance premium reduction with Regions",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "regions-business",
      "name": "Regions Business Visa",
      "issuer": "Regions Bank",
      "network": "Visa",
      "type": "business-cashback",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "1.5% flat; intro $200",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "ally-cashback-mc",
      "name": "Ally CashBack Credit Card",
      "issuer": "Ally Bank",
      "network": "Mastercard",
      "type": "cashback",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "2% on first $1500 grocery; 1% other; 2.5% on first $250 'Boost' categories",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "ally-travel-mc",
      "name": "Ally Travel Credit Card (discontinued 2024)",
      "issuer": "Ally Bank",
      "network": "Mastercard",
      "type": "travel",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "Legacy; no longer offered",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "sofi-credit-card",
      "name": "SoFi Credit Card",
      "issuer": "SoFi Bank, N.A.",
      "network": "Mastercard",
      "type": "cashback",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "3% on travel within SoFi Travel; 2% on everything else (credited to SoFi bank)",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "sofi-business-credit",
      "name": "SoFi Business Credit Card (planned)",
      "issuer": "SoFi Bank, N.A.",
      "network": "Mastercard",
      "type": "business-cashback",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "Planned 2025; cashback",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "gs-marcus-card",
      "name": "Marcus by Goldman Sachs Card (legacy, closed)",
      "issuer": "Goldman Sachs Bank USA",
      "network": "Mastercard",
      "type": "rewards",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": false,
      "rewards": "Legacy; Goldman not currently issuing new consumer cards except via Apple",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "gs-apple-card",
      "name": "Apple Card (issued by Goldman Sachs Bank USA)",
      "issuer": "Goldman Sachs Bank USA",
      "network": "Mastercard",
      "type": "cashback",
      "annual_fee": 0,
      "target": "mainstream",
      "cobranded": true,
      "rewards": "3% Apple; 2% Apple Pay; 1% physical; daily cash; no fees; 0% intro APR",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "gs-investing-credit",
      "name": "Goldman Sachs Private Wealth credit (per-relationship, not consumer card)",
      "issuer": "Goldman Sachs Bank USA",
      "network": "n/a",
      "type": "wealth",
      "annual_fee": 0,
      "target": "wealth",
      "cobranded": false,
      "rewards": "n/a",
      "card_image_url": ""
    },
    {
      "id": "schwab-investor-card",
      "name": "Schwab Investor Card (defunct; replaced by third-party cards)",
      "issuer": "Charles Schwab Bank, SSB",
      "network": "Visa",
      "type": "rewards",
      "annual_fee": 0,
      "target": "schwab-clients",
      "cobranded": false,
      "rewards": "Legacy; current Schwab clients use other cards for investing rewards",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "schwab-bank-card",
      "name": "Charles Schwab Bank Debit Card (debit, not credit)",
      "issuer": "Charles Schwab Bank, SSB",
      "network": "Visa",
      "type": "debit",
      "annual_fee": 0,
      "target": "schwab-clients",
      "cobranded": false,
      "rewards": "ATM fee refund worldwide",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "synchrony-amazon-store-card",
      "name": "Amazon Store Card (Synchrony)",
      "issuer": "Synchrony Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "amazon",
      "cobranded": true,
      "rewards": "5% back on Amazon Prime; 0% intro APR for Prime members on select items",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "synchrony-care-credit",
      "name": "CareCredit (Synchrony)",
      "issuer": "Synchrony Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "healthcare",
      "cobranded": true,
      "rewards": "0% intro APR on healthcare purchases; 6/12/18/24 month plans; no rewards",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "synchrony-paypal-extra",
      "name": "PayPal Extra Mastercard (Synchrony)",
      "issuer": "Synchrony Bank",
      "network": "Mastercard",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "paypal",
      "cobranded": true,
      "rewards": "3% PayPal; 2% gas; 1% other; intro $10",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "synchrony-verizon",
      "name": "Verizon Visa Card (Synchrony)",
      "issuer": "Synchrony Bank",
      "network": "Visa",
      "type": "cobranded-telecom",
      "annual_fee": 0,
      "target": "verizon",
      "cobranded": true,
      "rewards": "4% Verizon; 3% dining; 2% gas; 1% other; intro $100",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "synchrony-staples",
      "name": "Staples Credit Card (Synchrony)",
      "issuer": "Synchrony Bank",
      "network": "Mastercard",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "staples",
      "cobranded": true,
      "rewards": "5% Staples; 2% gas; 1% other; intro APR",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "synchrony-lowes",
      "name": "Lowe's Advantage Card (Synchrony)",
      "issuer": "Synchrony Bank",
      "network": "Mastercard",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "lowes",
      "cobranded": true,
      "rewards": "5% Lowe's; special financing",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "synchrony-gap",
      "name": "Gap Visa Signature (Synchrony)",
      "issuer": "Synchrony Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "gap",
      "cobranded": true,
      "rewards": "5x Gap/Old Navy/Banana Republic/Athleta; 1x other",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "synchrony-banana-rep",
      "name": "Banana Republic Visa Signature (Synchrony)",
      "issuer": "Synchrony Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "banana-rep",
      "cobranded": true,
      "rewards": "5x BR; special financing",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "synchrony-old-navy",
      "name": "Old Navy Visa Signature (Synchrony)",
      "issuer": "Synchrony Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "old-navy",
      "cobranded": true,
      "rewards": "5x Old Navy; special financing",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "synchrony-jcpenney",
      "name": "JCPenney Credit Card (Synchrony)",
      "issuer": "Synchrony Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "jcpenney",
      "cobranded": true,
      "rewards": "JCPenney rewards + special financing",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "synchrony-walmart",
      "name": "Walmart Credit Card (Synchrony legacy — moved to Cap1)",
      "issuer": "Synchrony Bank",
      "network": "Mastercard",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "walmart",
      "cobranded": true,
      "rewards": "Legacy; now issued by Cap1",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "synchrony-rooms-to-go",
      "name": "Rooms To Go Card (Synchrony)",
      "issuer": "Synchrony Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "rooms-to-go",
      "cobranded": true,
      "rewards": "Special financing; 5x R2G",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "synchrony-ulta",
      "name": "Ultamate Rewards Mastercard (Synchrony)",
      "issuer": "Synchrony Bank",
      "network": "Mastercard",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "ulta",
      "cobranded": true,
      "rewards": "2x Ulta; 1x other; intro 500 pts",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "synchrony-petsmart",
      "name": "PetSmart Treats Mastercard (Synchrony)",
      "issuer": "Synchrony Bank",
      "network": "Mastercard",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "petsmart",
      "cobranded": true,
      "rewards": "4x PetSmart; 2x gas/dining; 1x other",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "synchrony-ebay",
      "name": "eBay Mastercard (Synchrony)",
      "issuer": "Synchrony Bank",
      "network": "Mastercard",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "ebay",
      "cobranded": true,
      "rewards": "3x eBay; 2x gas; 1x other; intro $10",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "synchrony-recovery-centers",
      "name": "Synchrony Sam's Club / All membership cards (legacy)",
      "issuer": "Synchrony Bank",
      "network": "Mastercard",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "sams",
      "cobranded": true,
      "rewards": "Sam's Club rewards; legacy",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "synchrony-fingerhut",
      "name": "Fingerhut Credit Card (Synchrony)",
      "issuer": "Synchrony Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "fingerhut",
      "cobranded": true,
      "rewards": "Fingerhut-specific; subprime-focused",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "synchrony-comenity-convert",
      "name": "Synchrony vs Comenity store-card portfolio (descriptive)",
      "issuer": "Synchrony Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "store-cards",
      "cobranded": true,
      "rewards": "Comenity issues many others: Wayfair, Sunglass Hut, Loft, etc.",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "comenity-aaa-visa",
      "name": "AAA Daily Advantage Visa (Comenity)",
      "issuer": "Comenity Capital Bank",
      "network": "Visa",
      "type": "cobranded-affinity",
      "annual_fee": 0,
      "target": "aaa",
      "cobranded": true,
      "rewards": "3% gas/grocery; 1% other; intro 5k AAA points",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "comenity-wayfair",
      "name": "Wayfair Credit Card (Comenity)",
      "issuer": "Comenity Capital Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "wayfair",
      "cobranded": true,
      "rewards": "5% Wayfair; 1% other; 0% intro APR",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "comenity-ulta-mc",
      "name": "Ultamate Rewards Mastercard (Comenity legacy)",
      "issuer": "Comenity Capital Bank",
      "network": "Mastercard",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "ulta",
      "cobranded": true,
      "rewards": "Legacy; now Synchrony",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "comenity-sunglass-hut",
      "name": "Sunglass Hut Credit Card (Comenity)",
      "issuer": "Comenity Capital Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "sunglass-hut",
      "cobranded": true,
      "rewards": "Sunglass Hut perks; intro APR",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "comenity-loft",
      "name": "LOFT Card (Comenity)",
      "issuer": "Comenity Capital Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "loft",
      "cobranded": true,
      "rewards": "LOFT Insider; intro APR",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "comenity-anntaylor",
      "name": "Ann Taylor Card (Comenity)",
      "issuer": "Comenity Capital Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "ann-taylor",
      "cobranded": true,
      "rewards": "Ann Taylor rewards",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "comenity-west-elm",
      "name": "West Elm Card (Comenity)",
      "issuer": "Comenity Capital Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "west-elm",
      "cobranded": true,
      "rewards": "West Elm rewards; intro APR",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "comenity-pottery-barn",
      "name": "Pottery Barn Card (Comenity)",
      "issuer": "Comenity Capital Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "pottery-barn",
      "cobranded": true,
      "rewards": "Pottery Barn rewards; intro APR",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "comenity-williams-sonoma",
      "name": "Williams Sonoma Card (Comenity)",
      "issuer": "Comenity Capital Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "williams-sonoma",
      "cobranded": true,
      "rewards": "Williams Sonoma rewards; intro APR",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "comenity-express",
      "name": "Express Card (Comenity)",
      "issuer": "Comenity Capital Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "express",
      "cobranded": true,
      "rewards": "Express Insider; intro APR",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "comenity-crate-barrel",
      "name": "Crate & Barrel Card (Comenity)",
      "issuer": "Comenity Capital Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "crate-barrel",
      "cobranded": true,
      "rewards": "C&B rewards; intro APR",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "comenity-chicos",
      "name": "Chico's Card (Comenity)",
      "issuer": "Comenity Capital Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "chicos",
      "cobranded": true,
      "rewards": "Chico's Passport rewards; intro APR",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "comenity-zales",
      "name": "Zales Card (Comenity)",
      "issuer": "Comenity Capital Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "zales",
      "cobranded": true,
      "rewards": "Zales rewards; intro APR",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "comenity-kay",
      "name": "Kay Jewelers Card (Comenity)",
      "issuer": "Comenity Capital Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "kay",
      "cobranded": true,
      "rewards": "Kay rewards; intro APR",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "comenity-ace",
      "name": "Ace Hardware Card (Comenity)",
      "issuer": "Comenity Capital Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "ace",
      "cobranded": true,
      "rewards": "Ace rewards; intro APR",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "comenity-michaels",
      "name": "Michaels Card (Comenity)",
      "issuer": "Comenity Capital Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "michaels",
      "cobranded": true,
      "rewards": "Michaels rewards; intro APR",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "comenity-bjs",
      "name": "BJ's Card (Comenity legacy — moved to Cap1)",
      "issuer": "Comenity Capital Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "bjs",
      "cobranded": true,
      "rewards": "Legacy; now Cap1",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "comenity-tjx",
      "name": "TJX Rewards Card (Comenity legacy — moved to Chase)",
      "issuer": "Comenity Capital Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "tjx",
      "cobranded": true,
      "rewards": "Legacy; now Chase",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "comenity-lovesac",
      "name": "LoveSac Card (Comenity)",
      "issuer": "Comenity Capital Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "lovesac",
      "cobranded": true,
      "rewards": "LoveSac rewards",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "comenity-sephora-mc",
      "name": "Sephora Card (Comenity legacy — moved to Citi)",
      "issuer": "Comenity Capital Bank",
      "network": "Visa",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "sephora",
      "cobranded": true,
      "rewards": "Legacy; now Citi",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "cap1-venture-x-business",
      "name": "Capital One Venture X Business",
      "issuer": "Capital One, N.A.",
      "network": "Visa",
      "type": "business-premium-travel",
      "annual_fee": 395,
      "target": "premium-business",
      "cobranded": false,
      "rewards": "10x hotels; 5x flights; 2x other; 150k signup; $300 travel credit; transfer partners",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "bofa-rr-business",
      "name": "Bank of America Business Advantage Travel Rewards World Mastercard",
      "issuer": "Bank of America, N.A.",
      "network": "Mastercard",
      "type": "business-travel",
      "annual_fee": 95,
      "target": "business",
      "cobranded": false,
      "rewards": "3x travel; 1.5x other; intro 30k; Preferred Rewards boost",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "amex-marriott-bonvoy",
      "name": "Marriott Bonvoy Card (Amex, legacy — now Chase)",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "cobranded-hotel",
      "annual_fee": 0,
      "target": "marriott-loyalty",
      "cobranded": true,
      "rewards": "Legacy; 2x Marriott; 1x other",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg"
    },
    {
      "id": "amex-spg",
      "name": "Starwood Preferred Guest Card (Amex, legacy)",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "cobranded-hotel",
      "annual_fee": 95,
      "target": "spg-loyalty",
      "cobranded": true,
      "rewards": "Legacy; 2x Starwood; 5x categories; free night annual",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg"
    },
    {
      "id": "amex-costa-rica-platinum",
      "name": "Amex Delta SkyMiles Platinum Business",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "business-airline",
      "annual_fee": 350,
      "target": "delta-business",
      "cobranded": true,
      "rewards": "3x Delta; 1.5x large purchases; Companion Cert; $200 Delta credit",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg"
    },
    {
      "id": "amex-amex-air",
      "name": "Amex Plum Card (business charge)",
      "issuer": "American Express National Bank",
      "network": "Amex",
      "type": "business-charge",
      "annual_fee": 250,
      "target": "business",
      "cobranded": false,
      "rewards": "1.5% early-pay discount (within 10d); 0.5% for 11-30d; no preset limit",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg"
    },
    {
      "id": "amex-kabbage",
      "name": "Amex Business Line of Credit / Kabbage (legacy)",
      "issuer": "American Express National Bank",
      "network": "n/a",
      "type": "business-credit",
      "annual_fee": 0,
      "target": "small-business",
      "cobranded": false,
      "rewards": "Line of credit, not card",
      "card_image_url": ""
    },
    {
      "id": "brex-card",
      "name": "Brex Card",
      "issuer": "Brex",
      "network": "Mastercard",
      "type": "business-charge",
      "annual_fee": 0,
      "target": "startup",
      "cobranded": false,
      "rewards": "Multiple cards; rewards points; no personal guarantee; depends on entity",
      "issuer_display": "Emigrant Bank",
      "partner_bank": "Emigrant Bank",
      "issuer_note": "Brex; BaaS via Emigrant Bank (FDIC 12054).",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "ramp-card",
      "name": "Ramp Card",
      "issuer": "Ramp / Afterpay",
      "network": "Mastercard",
      "type": "business-charge",
      "annual_fee": 0,
      "target": "startup",
      "cobranded": false,
      "rewards": "1.5% cashback on all purchases; no fees; corporate-card + spend management",
      "issuer_display": "Sutton Bank (OH)",
      "partner_bank": "Sutton Bank (OH)",
      "issuer_note": "BaaS via Sutton Bank.",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "brex-cash",
      "name": "Brex Cash (deposit account)",
      "issuer": "Brex",
      "network": "n/a",
      "type": "business-deposit",
      "annual_fee": 0,
      "target": "startup",
      "cobranded": false,
      "rewards": "Business deposit, not card",
      "card_image_url": ""
    },
    {
      "id": "petal-2-card",
      "name": "Petal 2 'Cash Back, No Fees' Visa",
      "issuer": "Petal / Klarna / Sezzle",
      "network": "Visa",
      "type": "credit-builder",
      "annual_fee": 0,
      "target": "credit-builder",
      "cobranded": false,
      "rewards": "1% cash back initially; up to 1.5% with on-time payments; 2-10% at select merchants",
      "issuer_display": "WebBank (UT)",
      "partner_bank": "WebBank (UT)",
      "issuer_note": "BaaS via WebBank.",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "petal-1-card",
      "name": "Petal 1 Card (legacy)",
      "issuer": "Petal / Klarna / Sezzle",
      "network": "Visa",
      "type": "credit-builder",
      "annual_fee": 0,
      "target": "credit-builder",
      "cobranded": false,
      "rewards": "Legacy; same structure as Petal 2",
      "issuer_display": "WebBank (UT)",
      "partner_bank": "WebBank (UT)",
      "issuer_note": "BaaS via WebBank.",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "mission-lane-card",
      "name": "Mission Lane Visa Credit Card",
      "issuer": "Mission Lane",
      "network": "Visa",
      "type": "credit-builder",
      "annual_fee": 0,
      "target": "credit-builder",
      "cobranded": false,
      "rewards": "1% flat; 1.5% on some categories; CDFI-aligned",
      "issuer_display": "Coastal Community Bank (WA) (parent bank)",
      "partner_bank": "Coastal Community Bank (WA)",
      "issuer_note": "BaaS via Coastal Community Bank.",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "deserve-card",
      "name": "Deserve EDU Mastercard (legacy)",
      "issuer": "Petal / Klarna / Sezzle",
      "network": "Mastercard",
      "type": "student",
      "annual_fee": 0,
      "target": "student",
      "cobranded": false,
      "rewards": "1% cash back; $30 credit for international students; legacy",
      "issuer_display": "WebBank (UT)",
      "partner_bank": "WebBank (UT)",
      "issuer_note": "BaaS via WebBank.",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $25 (first time waived)",
        "return_protection": "Up to $250/item",
        "extended_warranty": "N/A",
        "purchase_protection": "90 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "N/A"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "1% flat",
        "credit_score": "No minimum (designed for students/international)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "N/A",
        "min_credit_limit": "$250+",
        "source": "deserve.com"
      }
    },
    {
      "id": "self-card",
      "name": "Self Credit Builder Card",
      "issuer": "Self Financial",
      "network": "Visa",
      "type": "credit-builder",
      "annual_fee": 0,
      "target": "credit-builder",
      "cobranded": false,
      "rewards": "Secured card linked to Self credit-builder loan; no rewards",
      "issuer_display": "First Century Bank, Inc.",
      "partner_bank": "First Century Bank, Inc.",
      "issuer_note": "BaaS via First Century Bank.",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "tomocredit",
      "name": "Tomocredit (legacy; app shut down 2024)",
      "issuer": "Tomocredit / Dave / MoneyLion",
      "network": "Visa",
      "type": "credit-builder",
      "annual_fee": 0,
      "target": "credit-builder",
      "cobranded": false,
      "rewards": "0.5% cash back; no interest; no fees; subscription model",
      "issuer_display": "Pathward, N.A. (formerly MetaBank, parent of prepaid)",
      "partner_bank": "Pathward, N.A.",
      "issuer_note": "BaaS via Pathward (formerly MetaBank).",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "tomo-usd",
      "name": "TomoCard (Pathward)",
      "issuer": "Tomocredit / Dave / MoneyLion",
      "network": "Visa",
      "type": "credit-builder",
      "annual_fee": 0,
      "target": "credit-builder",
      "cobranded": false,
      "rewards": "0.5% cash back; subscription",
      "issuer_display": "Pathward, N.A. (formerly MetaBank, parent of prepaid)",
      "partner_bank": "Pathward, N.A.",
      "issuer_note": "BaaS via Pathward (formerly MetaBank).",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "dave-card",
      "name": "Dave Banking Debit Card",
      "issuer": "Tomocredit / Dave / MoneyLion",
      "network": "Visa",
      "type": "debit",
      "annual_fee": 0,
      "target": "fintech",
      "cobranded": false,
      "rewards": "Cash advance; $1/mo membership; no minimums",
      "issuer_display": "Pathward, N.A. (formerly MetaBank, parent of prepaid)",
      "partner_bank": "Pathward, N.A.",
      "issuer_note": "BaaS via Pathward (formerly MetaBank).",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "moneylion-card",
      "name": "MoneyLion RoarMoney Mastercard",
      "issuer": "Tomocredit / Dave / MoneyLion",
      "network": "Mastercard",
      "type": "debit",
      "annual_fee": 0,
      "target": "fintech",
      "cobranded": false,
      "rewards": "Round-up savings; cashback rewards",
      "issuer_display": "Pathward, N.A. (formerly MetaBank, parent of prepaid)",
      "partner_bank": "Pathward, N.A.",
      "issuer_note": "BaaS via Pathward (formerly MetaBank).",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "usaa-preferred-cash",
      "name": "USAA Preferred Cash Rewards Visa Signature",
      "issuer": "USAA Federal Savings Bank",
      "network": "Visa",
      "type": "cashback",
      "annual_fee": 0,
      "target": "military",
      "cobranded": false,
      "rewards": "1.5% flat; intro $0",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $35",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "90 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "None"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "1.5% flat (1.75% with direct deposit)",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 15 months (purchases + BT)",
        "min_credit_limit": "$500+",
        "source": "usaa.com / credit-cards / preferred-cash"
      }
    },
    {
      "id": "usaa-cash-rewards-plus",
      "name": "USAA Cash Rewards Plus American Express",
      "issuer": "USAA Federal Savings Bank",
      "network": "Amex",
      "type": "cashback",
      "annual_fee": 0,
      "target": "military",
      "cobranded": false,
      "rewards": "5% gas/military; 3% grocery/dining; 1% other; intro $0",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg"
    },
    {
      "id": "usaa-rewards-amex",
      "name": "USAA Rewards American Express Card",
      "issuer": "USAA Federal Savings Bank",
      "network": "Amex",
      "type": "points",
      "annual_fee": 0,
      "target": "military",
      "cobranded": false,
      "rewards": "1x flat; intro 2.5k pts",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg"
    },
    {
      "id": "usaa-rate-advantage",
      "name": "USAA Rate Advantage Visa Platinum",
      "issuer": "USAA Federal Savings Bank",
      "network": "Visa",
      "type": "balance-transfer",
      "annual_fee": 0,
      "target": "military",
      "cobranded": false,
      "rewards": "0% intro APR 15mo on balance transfers; no rewards",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $35",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "90 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "None"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "0% intro APR; 11.50%–25.99% variable thereafter",
        "credit_score": "Good to Excellent (700+)",
        "apr": "18.99%–27.99%",
        "intro_apr": "0% for 15 months on balance transfers (3% fee)",
        "min_credit_limit": "$500+",
        "source": "usaa.com / credit-cards / rate-advantage"
      }
    },
    {
      "id": "usaa-secured",
      "name": "USAA Secured Card Visa Platinum",
      "issuer": "USAA Federal Savings Bank",
      "network": "Visa",
      "type": "secured-credit-builder",
      "annual_fee": 0,
      "target": "military-builder",
      "cobranded": false,
      "rewards": "Refundable deposit; review at 6 mo",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "usaa-student",
      "name": "USAA Collegiate Mastercard (legacy)",
      "issuer": "USAA Federal Savings Bank",
      "network": "Mastercard",
      "type": "student",
      "annual_fee": 0,
      "target": "military-student",
      "cobranded": false,
      "rewards": "Legacy; now Cash Rewards Plus",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "navy-fed-cash-rewards",
      "name": "Navy Federal Credit Union CashRewards Credit Card",
      "issuer": "Navy Federal Credit Union",
      "network": "Mastercard",
      "type": "cashback",
      "annual_fee": 0,
      "target": "military",
      "cobranded": false,
      "rewards": "1.5% flat; 1.75% Navy Fed product holders; no FTF",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $20 (waived for first late)",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "90 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "None"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "1.5% flat; 1.75% with NFCU account",
        "credit_score": "Good (670+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 12 months (purchases)",
        "min_credit_limit": "$500+",
        "source": "navyfederal.org / credit-cards / cash-rewards"
      }
    },
    {
      "id": "navy-fed-flagship",
      "name": "Navy Federal Credit Union Flagship Rewards",
      "issuer": "Navy Federal Credit Union",
      "network": "Visa",
      "type": "premium-rewards",
      "annual_fee": 0,
      "target": "military",
      "cobranded": false,
      "rewards": "3x travel; 2x other; intro 35k; 50% off companion ticket annual",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $20",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "90 days",
        "travel_insurance": "Primary rental car; trip delay; cancellation",
        "lounge_access": "N/A",
        "transfer_partners": [
          "None"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "3x travel; 2x everything else; 50% off companion ticket annual",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 12 months (purchases)",
        "min_credit_limit": "$2,500+",
        "source": "navyfederal.org / credit-cards / flagship"
      }
    },
    {
      "id": "navy-fed-clarity",
      "name": "NFCU Platinum Credit Card",
      "issuer": "Navy Federal Credit Union",
      "network": "Visa",
      "type": "balance-transfer",
      "annual_fee": 0,
      "target": "military",
      "cobranded": false,
      "rewards": "0% intro APR 12mo on balance transfers & purchases; no rewards",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $20",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "90 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "None"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "0% intro APR",
        "credit_score": "Good to Excellent (700+)",
        "apr": "18.99%–27.99%",
        "intro_apr": "0% for 12 months (purchases + BT)",
        "min_credit_limit": "$500+",
        "source": "navyfederal.org / credit-cards / clarity"
      }
    },
    {
      "id": "navy-fed-more",
      "name": "NFCU More Rewards American Express Card",
      "issuer": "Navy Federal Credit Union",
      "network": "Amex",
      "type": "rewards",
      "annual_fee": 0,
      "target": "military",
      "cobranded": false,
      "rewards": "3x dining/grocery/transport; 2x fuel/streaming/utility; 1x other",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/American_Express_logo_(2018).svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $20",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "90 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "None"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "3x dining/grocery/transit; 2x fuel/streaming",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 12 months (purchases)",
        "min_credit_limit": "$500+",
        "source": "navyfederal.org / credit-cards / more"
      }
    },
    {
      "id": "navy-fed-go",
      "name": "NFCU GO REWARDS Credit Card",
      "issuer": "Navy Federal Credit Union",
      "network": "Visa",
      "type": "rewards",
      "annual_fee": 0,
      "target": "military",
      "cobranded": false,
      "rewards": "3x dining/supermarket/transit/streaming/utility; 1x other",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $20",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "90 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "None"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "3x dining/grocery/transit/streaming/utility",
        "credit_score": "Good (670+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 12 months (purchases)",
        "min_credit_limit": "$500+",
        "source": "navyfederal.org / credit-cards / go"
      }
    },
    {
      "id": "navy-fed-secured",
      "name": "NFCU nRewards Secured Credit Card",
      "issuer": "Navy Federal Credit Union",
      "network": "Visa",
      "type": "secured-credit-builder",
      "annual_fee": 0,
      "target": "military-builder",
      "cobranded": false,
      "rewards": "1x points flat; refundable deposit; review at 6 mo",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "penfed-power-cash",
      "name": "PenFed Power Cash Rewards Visa",
      "issuer": "Pentagon Federal Credit Union (PenFed)",
      "network": "Visa",
      "type": "cashback",
      "annual_fee": 0,
      "target": "military",
      "cobranded": false,
      "rewards": "1.5% flat; 2% with PenFed checking; intro $100",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $30",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "90 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "None"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "1.5% flat (2% with PenFed checking)",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 12 months (purchases + BT)",
        "min_credit_limit": "$500+",
        "source": "penfed.org / credit-cards / power-cash"
      }
    },
    {
      "id": "penfed-platinum",
      "name": "PenFed Platinum Rewards Visa",
      "issuer": "Pentagon Federal Credit Union (PenFed)",
      "network": "Visa",
      "type": "rewards",
      "annual_fee": 0,
      "target": "military",
      "cobranded": false,
      "rewards": "5x gas; 3x grocery/dining; 1x other; intro $100",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $30",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "90 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "None"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "5x gas; 3x grocery/dining",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 12 months (purchases + BT)",
        "min_credit_limit": "$500+",
        "source": "penfed.org / credit-cards / platinum"
      }
    },
    {
      "id": "penfed-promise",
      "name": "PenFed Promise Card",
      "issuer": "Pentagon Federal Credit Union (PenFed)",
      "network": "Visa",
      "type": "rewards",
      "annual_fee": 0,
      "target": "military",
      "cobranded": false,
      "rewards": "PenFed members help fund veterans program; 1% flat; no FTF",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "penfed-travel",
      "name": "PenFed Travel Rewards Visa",
      "issuer": "Pentagon Federal Credit Union (PenFed)",
      "network": "Visa",
      "type": "travel",
      "annual_fee": 0,
      "target": "military",
      "cobranded": false,
      "rewards": "3x travel; intro $100; no FTF",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "penfed-gold-card",
      "name": "PenFed Gold Visa",
      "issuer": "Pentagon Federal Credit Union (PenFed)",
      "network": "Visa",
      "type": "balance-transfer",
      "annual_fee": 0,
      "target": "military",
      "cobranded": false,
      "rewards": "0% intro APR 15mo; no rewards; $0 fee",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $30",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "90 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "None"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "0% intro APR; 7.99%–17.99% variable thereafter",
        "credit_score": "Good to Excellent (700+)",
        "apr": "18.99%–27.99%",
        "intro_apr": "0% for 15 months (purchases + BT)",
        "min_credit_limit": "$500+",
        "source": "penfed.org / credit-cards / gold"
      }
    },
    {
      "id": "penfed-secured",
      "name": "PenFed Promise Secured Visa",
      "issuer": "Pentagon Federal Credit Union (PenFed)",
      "network": "Visa",
      "type": "secured-credit-builder",
      "annual_fee": 0,
      "target": "military-builder",
      "cobranded": false,
      "rewards": "Refundable deposit; credit education; 1% flat",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "becu-cash",
      "name": "BECU Visa Cash Back Card",
      "issuer": "Boeing Employees Credit Union (BECU)",
      "network": "Visa",
      "type": "cashback",
      "annual_fee": 0,
      "target": "credit-union",
      "cobranded": false,
      "rewards": "1.5% flat; intro $0",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg",
      "benefits": {
        "foreign_tx_fee_pct": 0.0,
        "late_fee": "Up to $25",
        "return_protection": "Up to $500/item",
        "extended_warranty": "+1 yr",
        "purchase_protection": "90 days",
        "travel_insurance": "Secondary rental car",
        "lounge_access": "N/A",
        "transfer_partners": [
          "None"
        ],
        "transfer_ratio": "N/A",
        "points_value_estimate": "1.5% flat",
        "credit_score": "Good to Excellent (700+)",
        "apr": "Prime + 5.99%–9.99%",
        "intro_apr": "0% for 12 months (purchases + BT)",
        "min_credit_limit": "$500+",
        "source": "becu.org / credit-cards / cash-back"
      }
    },
    {
      "id": "becu-low-rate",
      "name": "BECU Low-Rate Visa",
      "issuer": "Boeing Employees Credit Union (BECU)",
      "network": "Visa",
      "type": "balance-transfer",
      "annual_fee": 0,
      "target": "credit-union",
      "cobranded": false,
      "rewards": "Low APR; no rewards",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "becu-secured",
      "name": "BECU Secured Visa",
      "issuer": "Boeing Employees Credit Union (BECU)",
      "network": "Visa",
      "type": "secured-credit-builder",
      "annual_fee": 0,
      "target": "credit-union-builder",
      "cobranded": false,
      "rewards": "Refundable deposit; no rewards",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "alliant-cashback",
      "name": "Alliant Cashback Visa Signature",
      "issuer": "Alliant Credit Union",
      "network": "Visa",
      "type": "cashback",
      "annual_fee": 0,
      "target": "credit-union",
      "cobranded": false,
      "rewards": "3% first $10k; 1.5% after; intro $0",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "alliant-platinum",
      "name": "Alliant Platinum Visa",
      "issuer": "Alliant Credit Union",
      "network": "Visa",
      "type": "balance-transfer",
      "annual_fee": 0,
      "target": "credit-union",
      "cobranded": false,
      "rewards": "Low APR; 0% intro APR",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "dcu-diamond",
      "name": "DCU Visa Platinum",
      "issuer": "DCU (Digital Federal Credit Union)",
      "network": "Visa",
      "type": "cashback",
      "annual_fee": 0,
      "target": "credit-union",
      "cobranded": false,
      "rewards": "1.25% flat; intro $0",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "dcu-cash-back",
      "name": "DCU Cash Back Mastercard",
      "issuer": "DCU (Digital Federal Credit Union)",
      "network": "Mastercard",
      "type": "cashback",
      "annual_fee": 0,
      "target": "credit-union",
      "cobranded": false,
      "rewards": "1.25% flat",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "dcu-secured",
      "name": "DCU Share Secured Visa",
      "issuer": "DCU (Digital Federal Credit Union)",
      "network": "Visa",
      "type": "secured-credit-builder",
      "annual_fee": 0,
      "target": "credit-union-builder",
      "cobranded": false,
      "rewards": "Refundable deposit (using CU share)",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "golden1-cash",
      "name": "Golden 1 Cash Back Mastercard",
      "issuer": "Golden 1 Credit Union",
      "network": "Mastercard",
      "type": "cashback",
      "annual_fee": 0,
      "target": "credit-union",
      "cobranded": false,
      "rewards": "1.5% flat; intro $0",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "golden1-platinum",
      "name": "Golden 1 Platinum Mastercard",
      "issuer": "Golden 1 Credit Union",
      "network": "Mastercard",
      "type": "balance-transfer",
      "annual_fee": 0,
      "target": "credit-union",
      "cobranded": false,
      "rewards": "0% intro APR 12mo",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "schoolsfirst-cash",
      "name": "SchoolsFirst FCU Cash+ Visa",
      "issuer": "SchoolsFirst Federal Credit Union",
      "network": "Visa",
      "type": "cashback",
      "annual_fee": 0,
      "target": "credit-union",
      "cobranded": false,
      "rewards": "3% grocery; 2% gas; 1% other",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "rbfcu-cash",
      "name": "Randolph-Brooks FCU Power Cash Back Mastercard",
      "issuer": "Randolph-Brooks Federal Credit Union (RBFCU)",
      "network": "Mastercard",
      "type": "cashback",
      "annual_fee": 0,
      "target": "credit-union",
      "cobranded": false,
      "rewards": "1.5% flat; intro $0",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "rbfcu-rewards",
      "name": "RBFCU Visa Signature Rewards",
      "issuer": "Randolph-Brooks Federal Credit Union (RBFCU)",
      "network": "Visa",
      "type": "rewards",
      "annual_fee": 0,
      "target": "credit-union",
      "cobranded": false,
      "rewards": "1.5x flat; intro 5k",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "affirm-card",
      "name": "Affirm Card (issued by Celtic Bank)",
      "issuer": "Affirm / Zip Co",
      "network": "Visa",
      "type": "bnpl-charge",
      "annual_fee": 0,
      "target": "bnpl",
      "cobranded": false,
      "rewards": "Pay in 4 OR 3-36mo installments at 0-30% APR; no fees; up to 15% back at select merchants",
      "issuer_display": "Celtic Bank",
      "partner_bank": "Celtic Bank",
      "issuer_note": "BaaS via Celtic Bank.",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "klarna-card",
      "name": "Klarna Card (issued by WebBank)",
      "issuer": "Petal / Klarna / Sezzle",
      "network": "Visa",
      "type": "bnpl-charge",
      "annual_fee": 0,
      "target": "bnpl",
      "cobranded": false,
      "rewards": "Pay in 4; 1x flat everywhere else; no interest if paid in full",
      "issuer_display": "WebBank (UT)",
      "partner_bank": "WebBank (UT)",
      "issuer_note": "BaaS via WebBank.",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "afterpay-card",
      "name": "Afterpay Card (issued by Sutton Bank)",
      "issuer": "Ramp / Afterpay",
      "network": "Mastercard",
      "type": "bnpl-charge",
      "annual_fee": 0,
      "target": "bnpl",
      "cobranded": false,
      "rewards": "Pay in 4; 0% intro APR",
      "issuer_display": "Sutton Bank (OH)",
      "partner_bank": "Sutton Bank (OH)",
      "issuer_note": "BaaS via Sutton Bank.",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/MasterCard_Logo.svg"
    },
    {
      "id": "sezzle-card",
      "name": "Sezzle Premium Card (issued by WebBank)",
      "issuer": "Petal / Klarna / Sezzle",
      "network": "Visa",
      "type": "bnpl-charge",
      "annual_fee": 0,
      "target": "bnpl",
      "cobranded": false,
      "rewards": "Pay-in-4 + Pay-in-2; up to 2.75% back; Sezzle Premium tier",
      "issuer_display": "WebBank (UT)",
      "partner_bank": "WebBank (UT)",
      "issuer_note": "BaaS via WebBank.",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "zip-card",
      "name": "Zip Visa Card (issued by Celtic Bank)",
      "issuer": "Affirm / Zip Co",
      "network": "Visa",
      "type": "bnpl-charge",
      "annual_fee": 0,
      "target": "bnpl",
      "cobranded": false,
      "rewards": "Tap to pay in 4; no FTF; no annual fee",
      "issuer_display": "Celtic Bank",
      "partner_bank": "Celtic Bank",
      "issuer_note": "BaaS via Celtic Bank.",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "earnin-card",
      "name": "Earnin Card (issued by Sunrise Banks)",
      "issuer": "Earnin",
      "network": "Visa",
      "type": "debit-early",
      "annual_fee": 0,
      "target": "fintech",
      "cobranded": false,
      "rewards": "No fees; early pay access; cash back rewards",
      "issuer_display": "Sunrise Banks (Earnin partner)",
      "partner_bank": "Sunrise Banks",
      "issuer_note": "BaaS via Sunrise Banks.",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "statefarm-visa",
      "name": "State Farm Good Neighbor Visa Card (Banking)",
      "issuer": "State Farm Bank, F.S.B.",
      "network": "Visa",
      "type": "cashback",
      "annual_fee": 0,
      "target": "state-farm-customer",
      "cobranded": true,
      "rewards": "1% flat; intro $30; insurance customer discount",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "statefarm-business",
      "name": "State Farm Business Visa",
      "issuer": "State Farm Bank, F.S.B.",
      "network": "Visa",
      "type": "business-cashback",
      "annual_fee": 0,
      "target": "state-farm-business",
      "cobranded": true,
      "rewards": "1% flat; small business-focused",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Visa_2014_logo_detail.svg"
    },
    {
      "id": "discover-home-loan-card",
      "name": "Discover Home Loan Card (legacy)",
      "issuer": "Discover Bank",
      "network": "Discover",
      "type": "cobranded-store",
      "annual_fee": 0,
      "target": "home-loan",
      "cobranded": true,
      "rewards": "Tied to home loan; legacy",
      "card_image_url": "https://commons.wikimedia.org/wiki/Special:FilePath/Discover_Card_logo.svg"
    }
  ]
}