1// cards-data.js â CardCompass shared card database 2// Included by: index.html, compare.html, cards.html, quiz.html 3// 4// ââ MAINTENANCE SCHEDULE ââââââââââââââââââââââââââââââââââââââââââââââââââââââ 5// Review card data each quarter: Jan, Apr, Jul, Oct 6// For each card verify: annualFee, bonusDesc, bonusValue, applyUrl 7// Primary source: issuer's official card page 8// Secondary: NerdWallet / The Points Guy for cross-check 9// âââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââ 10// 11// ââ CARD PHOTO DATABASE ââââââââââââââââââââââââââââââââââââââââââââââââââââââ 12// Every card object contains a `cardImage` field with the card photo URL. 13// Primary source: Bankrate's CDN â https://cdn.prodstatic.com/shared/images/cards/219x139/ 14// Exceptions (cards not covered by Bankrate): U.S. Bank Altitude Connect and 15// Wyndham Earner Plus use Credit Karma's CDN (creditkarma-cms.imgix.net). 16// This is the single source of truth for all card artwork across the site. 17// The index.html comparison table, cards.html listing, and compare.html all 18// reference these URLs (with SVG gradient fallback via onerror). 19// To update a card photo: change its `cardImage` value here â it propagates 20// everywhere automatically. 21// ââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââ 22(function () { 23 'use strict'; 24 25 /* ââ ISSUER LOGO SVGs (rendered inline on card art) ââ */ 26 window.ISSUER_LOGOS = { 27 'Chase': '<svg viewBox="0 0 72 22" width="72" height="22"><polygon points="11,1 61,1 71,11 61,21 11,21 1,11" fill="rgba(255,255,255,.13)"/><text x="36" y="15" text-anchor="middle" font-family="Arial,sans-serif" font-size="9.5" font-weight="800" fill="white" letter-spacing="2">CHASE</text></svg>', 28 'American Express': '<svg viewBox="0 0 80 22" width="80" height="22"><text x="0" y="10" font-family="Arial,sans-serif" font-size="7" font-weight="700" fill="rgba(255,255,255,.9)" letter-spacing="1">AMERICAN</text><text x="0" y="20" font-family="Arial,sans-serif" font-size="7" font-weight="700" fill="rgba(255,255,255,.9)" letter-spacing="1">EXPRESS</text></svg>', 29 'Capital One': '<svg viewBox="0 0 76 22" width="76" height="22"><text x="0" y="15" font-family="Arial,sans-serif" font-size="10" font-weight="600" fill="rgba(255,255,255,.9)" letter-spacing=".3">Capital One</text></svg>', 30 'Discover': '<svg viewBox="0 0 76 22" width="76" height="22"><text x="0" y="16" font-family="Arial,sans-serif" font-size="13" font-weight="800" fill="rgba(255,255,255,.95)" letter-spacing="-.3">discover</text></svg>', 31 'Citi': '<svg viewBox="0 0 44 22" width="44" height="22"><text x="0" y="15" font-family="Arial,sans-serif" font-size="14" font-weight="400" fill="rgba(255,255,255,.95)">citi</text><path d="M0,20 Q11,14 22,20" fill="none" stroke="rgba(255,255,255,.75)" stroke-width="2.5" stroke-linecap="round"/></svg>', 32 'Wells Fargo': '<svg viewBox="0 0 80 22" width="80" height="22"><text x="0" y="10" font-family="Arial,sans-serif" font-size="7" font-weight="700" fill="rgba(255,255,255,.9)" letter-spacing=".8">WELLS</text><text x="0" y="20" font-family="Arial,sans-serif" font-size="7" font-weight="700" fill="rgba(255,255,255,.9)" letter-spacing=".8">FARGO</text></svg>', 33 'Bank of America': '<svg viewBox="0 0 80 22" width="80" height="22"><text x="0" y="10" font-family="Arial,sans-serif" font-size="6.5" font-weight="700" fill="rgba(255,255,255,.9)" letter-spacing=".4">BANK OF</text><text x="0" y="20" font-family="Arial,sans-serif" font-size="6.5" font-weight="700" fill="rgba(255,255,255,.9)" letter-spacing=".4">AMERICA</text></svg>', 34 'U.S. Bank': '<svg viewBox="0 0 80 22" width="80" height="22"><text x="0" y="15" font-family="Arial,sans-serif" font-size="9" font-weight="700" fill="rgba(255,255,255,.9)" letter-spacing=".4">U.S. BANK</text></svg>', 35 'Luxury Card': '<svg viewBox="0 0 90 22" width="90" height="22"><text x="0" y="15" font-family="Georgia,serif" font-size="9" font-weight="700" fill="rgba(255,255,255,.9)" letter-spacing="1.5">LUXURY CARD</text></svg>', 36 'PayPal': '<svg viewBox="0 0 64 22" width="64" height="22"><text x="0" y="15" font-family="Arial,sans-serif" font-size="13" font-weight="800" fill="rgba(255,255,255,.95)" letter-spacing="-.3">PayPal</text></svg>', 37 'Bilt': '<svg viewBox="0 0 44 22" width="44" height="22"><text x="0" y="15" font-family="Arial,sans-serif" font-size="14" font-weight="700" fill="rgba(255,255,255,.95)" letter-spacing="1">BILT</text></svg>', 38 'Barclays': '<svg viewBox="0 0 80 22" width="80" height="22"><text x="0" y="15" font-family="Arial,sans-serif" font-size="9" font-weight="700" fill="rgba(255,255,255,.9)" letter-spacing=".5">BARCLAYS</text></svg>', 39 'Elan Financial': '<svg viewBox="0 0 80 22" width="80" height="22"><text x="0" y="15" font-family="Arial,sans-serif" font-size="8" font-weight="700" fill="rgba(255,255,255,.9)" letter-spacing=".4">FIDELITY</text></svg>', 40 'Petal': '<svg viewBox="0 0 58 22" width="58" height="22"><text x="0" y="15" font-family="Arial,sans-serif" font-size="13" font-weight="700" fill="rgba(255,255,255,.95)" letter-spacing=".3">Petal</text></svg>', 41 'SoFi': '<svg viewBox="0 0 48 22" width="48" height="22"><text x="0" y="15" font-family="Arial,sans-serif" font-size="13" font-weight="800" fill="rgba(255,255,255,.95)" letter-spacing=".2">SoFi</text></svg>', 42 'USAA': '<svg viewBox="0 0 52 22" width="52" height="22"><text x="0" y="15" font-family="Arial,sans-serif" font-size="11" font-weight="800" fill="rgba(255,255,255,.95)" letter-spacing="1">USAA</text></svg>', 43 'PenFed': '<svg viewBox="0 0 70 22" width="70" height="22"><text x="0" y="15" font-family="Arial,sans-serif" font-size="9" font-weight="700" fill="rgba(255,255,255,.9)" letter-spacing=".5">PENFED</text></svg>', 44 'Credit One Bank': '<svg viewBox="0 0 80 22" width="80" height="22"><text x="0" y="10" font-family="Arial,sans-serif" font-size="6.5" font-weight="700" fill="rgba(255,255,255,.9)" letter-spacing=".3">CREDIT ONE</text><text x="0" y="20" font-family="Arial,sans-serif" font-size="6.5" font-weight="700" fill="rgba(255,255,255,.9)" letter-spacing=".3">BANK</text></svg>', 45 'Self Financial': '<svg viewBox="0 0 44 22" width="44" height="22"><text x="0" y="15" font-family="Arial,sans-serif" font-size="13" font-weight="700" fill="rgba(255,255,255,.95)" letter-spacing=".3">Self</text></svg>', 46 'Mission Lane': '<svg viewBox="0 0 90 22" width="90" height="22"><text x="0" y="15" font-family="Arial,sans-serif" font-size="8" font-weight="700" fill="rgba(255,255,255,.9)" letter-spacing=".4">MISSION LANE</text></svg>', 47 'Goldman Sachs': '<svg viewBox="0 0 90 22" width="90" height="22"><text x="0" y="15" font-family="Arial,sans-serif" font-size="8" font-weight="700" fill="rgba(255,255,255,.9)" letter-spacing=".4">GOLDMAN SACHS</text></svg>' 48 }; 49 50 /* ââ NETWORK LOGOS ââ */ 51 window.NETWORK_LOGOS = { 52 'Visa': '<svg viewBox="0 0 46 16" width="46" height="16"><text x="1" y="14" font-family="Arial,sans-serif" font-size="15" font-weight="900" font-style="italic" fill="white" letter-spacing="-.5">VISA</text></svg>', 53 'Mastercard': '<svg viewBox="0 0 38 24" width="38" height="24"><circle cx="13" cy="12" r="12" fill="#EB001B"/><circle cx="25" cy="12" r="12" fill="#F79E1B" opacity=".85"/></svg>', 54 'Amex': '<svg viewBox="0 0 36 16" width="36" height="16"><text x="0" y="12" font-family="Arial,sans-serif" font-size="9" font-weight="800" fill="rgba(255,255,255,.9)" letter-spacing=".6">AMEX</text></svg>', 55 'Discover': '<svg viewBox="0 0 70 20" width="70" height="20"><text x="0" y="15" font-family="Arial,sans-serif" font-size="12" font-weight="800" fill="rgba(255,255,255,.9)" letter-spacing="-.3">discover</text></svg>' 56 }; 57 58 /* Rotating-category cards (Discover it, Freedom Flex) carry a BLENDED effective rate in 59 `rates`, not whichever quarter was live when the row was written â a pinned quarter is 60 wrong 3 quarters out of 4 and silently mis-scores in CCEngine. Each rotating category is 61 5% roughly one quarter in four, so it blends to ~2x; permanent rates (Flex 5x travel, 62 3x dining) stay as-is. The headline 5% is advertised via `rateLabel`/`pros`/`tags`. 63 Do not re-pin these to the live quarter. */ 64 65 /* ââ CARD DATABASE (107 cards) ââ */ 66 window.ALL_CARDS = [ 67 68 /* âââ CHASE âââ */ 69 { 70 id: 'chase-sapphire-preferred', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/ae837480-ed19-11ee-b6aa-83dad90afdcd.png', name: 'Chase Sapphire Preferred®', 71 issuer: 'Chase', network: 'Visa', annualFee: 95, bonusValue: 937, 72 bonusDesc: '75,000 pts after $5,000 spend in 3 months', bonusShort: '75,000 pts', 73 bestFor: 'Travel & Dining', cardScore: 4.8, minScore: 'good', 74 categories: ['travel','dining','bestoffers'], 75 rates: { travel:5, dining:3, grocery:3, gas:3, online:1, other:1 }, 76 foreignFee: 'None', rateLabel: '5à on Chase Travel', 77 applyUrl: 'https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred', 78 affiliateUrl: null, 79 cardArt: { bg: 'linear-gradient(135deg,#0A2342 0%,#1A3F6F 45%,#0D2A4A 100%)', highlight: 'rgba(74,144,217,.25)' }, 80 pros: ['5à on travel via Chase portal','3à on dining & groceries','Transfer to 14 airline & hotel partners','$50 annual hotel credit','No foreign transaction fees'], 81 cons: ['$95 annual fee','1à on everyday non-bonus purchases','Points worth less outside portal'], 82 tags: ['Travel','Dining','Flexible Points','No FTF'], 83 guideUrl: '/guides/chase-sapphire-preferred-vs-capital-one-venture-2026' 84 }, 85 { 86 id: 'chase-sapphire-reserve', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/083f25c0-504f-11f0-962e-072d632f0110.png', name: 'Chase Sapphire Reserve®', 87 issuer: 'Chase', network: 'Visa', annualFee: 795, bonusValue: 1250, 88 bonusDesc: '100,000 pts after $6,000 spend in 3 months', bonusShort: '100,000 pts', 89 bestFor: 'Premium Travel', cardScore: 4.9, minScore: 'excellent', 90 categories: ['travel','bestoffers'], 91 rates: { travel:8, dining:3, grocery:1, gas:1, online:1, other:1 }, 92 foreignFee: 'None', rateLabel: '8à on Chase Travel purchases', 93 applyUrl: 'https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve', 94 affiliateUrl: null, 95 cardArt: { bg: 'linear-gradient(135deg,#1A1A1A 0%,#2D2D2D 50%,#1A1A1A 100%)', highlight: 'rgba(201,168,76,.2)' }, 96 pros: ['$300 annual travel credit','Priority Pass lounge access + guest','8à on Chase Travel purchases','Points worth 1.5¢ via Chase Travel','No foreign transaction fees'], 97 cons: ['$795 annual fee','Requires excellent credit','Credits must be actively used'], 98 tags: ['Premium','Lounge Access','$300 Travel Credit','No FTF'], 99 guideUrl: '/guides/amex-platinum-vs-chase-sapphire-reserve-2026' 100 }, 101 { 102 id: 'chase-freedom-unlimited', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/59d3c870-8cbb-11f0-832a-f3f3309a1b0c.png', name: 'Chase Freedom Unlimited®', 103 issuer: 'Chase', network: 'Visa', annualFee: 0, bonusValue: 200, 104 bonusDesc: '$200 cash after $500 spend in 3 months', bonusShort: '$200 cash', 105 bestFor: 'Everyday Cash Back', cardScore: 4.6, minScore: 'good', 106 categories: ['cashback','nofee','bestoffers'], 107 rates: { travel:5, dining:3, grocery:3, gas:1.5, online:1.5, other:1.5 }, 108 foreignFee: '3%', rateLabel: '1.5% on everything', 109 applyUrl: 'https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited', 110 affiliateUrl: null, 111 cardArt: { bg: 'linear-gradient(135deg,#0A5C9C 0%,#1A7DC4 55%,#0A5C9C 100%)', highlight: 'rgba(74,184,240,.2)' }, 112 pros: ['No annual fee','1.5% unlimited on all purchases','3% on dining & drugstores','5% on Chase Travel','Pairs with Sapphire cards for 1.5¢/pt'], 113 cons: ['3% foreign transaction fee','No travel perks','Chase portal required for 5%'], 114 tags: ['No Annual Fee','Cash Back','Simple','Dining 3%'], 115 guideUrl: '/guides/best-flat-rate-cash-back-card-2026' 116 }, 117 { 118 id: 'chase-freedom-flex', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/b215aea0-6177-11eb-be9c-9790947db9db.png', name: 'Chase Freedom Flexâ ', 119 issuer: 'Chase', network: 'Mastercard', annualFee: 0, bonusValue: 200, 120 bonusDesc: '$200 cash after $500 spend in 3 months', bonusShort: '$200 cash', 121 bestFor: 'Rotating 5% Cash Back', cardScore: 4.5, minScore: 'good', 122 categories: ['cashback','nofee'], 123 rates: { travel:5, dining:3, grocery:2, gas:2, online:2, other:1 }, 124 foreignFee: '3%', rateLabel: '5% rotating categories (up to $1,500/qtr)', 125 applyUrl: 'https://creditcards.chase.com/cash-back-credit-cards/freedom/flex', 126 affiliateUrl: null, 127 cardArt: { bg: 'linear-gradient(135deg,#003087 0%,#002D72 50%,#00539C 100%)', highlight: 'rgba(0,163,224,.18)' }, 128 pros: ['No annual fee','5% on quarterly rotating categories','3% on dining & drugstores','5% on Chase Travel','Great Chase ecosystem pairing'], 129 cons: ['3% foreign transaction fee','Must activate 5% categories each quarter','Categories vary â needs planning'], 130 tags: ['No Annual Fee','Rotating 5%','Cash Back','Dining 3%'], 131 guideUrl: '/guides/best-chase-credit-cards-2026' 132 }, 133 { 134 id: 'chase-slate', cardImage: '/images/cards/chase-slate-2026.png', name: 'Chase Slate®', 135 issuer: 'Chase', network: 'Visa', annualFee: 0, bonusValue: 0, 136 bonusDesc: 'No welcome bonus â 0% intro APR for 21 months on purchases & balance transfers', bonusShort: '0% APR 21 mo.', 137 bestFor: '0% APR & Balance Transfers', cardScore: 4.0, minScore: 'good', 138 categories: ['nofee','balancetransfer'], 139 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 140 foreignFee: '3%', rateLabel: '0% intro APR for 21 months on purchases & balance transfers', 141 applyUrl: 'https://creditcards.chase.com/balance-transfer-credit-cards/slate', 142 // Was a refer-a-friend link that dropped its #slate-content fragment on 143 // redirect and landed Slate applicants on the generic Freedom offer page. 144 affiliateUrl: null, 145 cardArt: { bg: 'linear-gradient(135deg,#003087 0%,#0050B3 50%,#003087 100%)', highlight: 'rgba(74,144,217,.2)' }, 146 pros: ['No annual fee','0% intro APR for 21 months on purchases and balance transfers â among the longest available','Same 21-month window covers new purchases, not just transfers','Free credit score access via Chase Credit Journey'], 147 cons: ['No rewards or cash back program','5% balance transfer fee ($5 minimum) from day one','3% foreign transaction fee','No welcome bonus'], 148 tags: ['No Annual Fee','0% APR 21 Mo','Balance Transfer'], 149 guideUrl: '/guides/chase-slate-review-2026' 150 }, 151 152 /* âââ FINTECH â VENMO âââ */ 153 { 154 id: 'venmo-credit-card', cardImage: 'images/cards/venmo-credit-card.png', name: 'Venmo Visa Signature Credit Card', 155 issuer: 'Venmo', network: 'Visa', annualFee: 0, bonusValue: 0, 156 bonusDesc: 'No welcome bonus â 3% cash back automatically on your top spend category', bonusShort: 'No Bonus', 157 bestFor: 'Auto Cash Back â Top 2 Spending Categories', cardScore: 4.3, minScore: 'good', 158 categories: ['cashback','nofee'], 159 rates: { travel: 3, dining: 3, grocery: 3, gas: 3, online: 1, other: 1 }, 160 // rates above is the best case per category. rateTiers says how it really pays: see effectiveRates() in recommend-engine.js. 161 rateTiers: { among: ['travel', 'dining', 'grocery', 'gas'], tiers: [3, 2], base: 1 }, 162 foreignFee: 'None', rateLabel: '3% top category · 2% second · 1% on rest', 163 applyUrl: 'https://venmo.com/about/creditcard', 164 affiliateUrl: null, 165 cardArt: { bg: 'l
165inear-gradient(135deg,#2BB86A 0%,#3DC87A 50%,#1A9E58 100%)', highlight: 'rgba(13,32,112,.18)' }, 166 pros: [ 167 '3% cash back on your top spend category â selected automatically each month', 168 '2% on your second-highest category (rare two-tier auto system)', 169 'No annual fee', 170 'No foreign transaction fees â Visa Signature accepted worldwide', 171 'Option to auto-convert cash back into crypto at no extra fee', 172 'Virtual card available immediately on approval' 173 ], 174 cons: [ 175 'No welcome bonus â most competing no-fee cards offer $200+', 176 'Requires an active Venmo account to apply and manage rewards', 177 'Application is through the Venmo app only (no web application)', 178 '1% on all spending outside your top 2 categories' 179 ], 180 tags: ['No Annual Fee','Auto 3%','2% Second Category','No FTF','No Bonus'], 181 guideUrl: '/guides/venmo-credit-card-review-2026' 182 }, 183 184 /* âââ AMERICAN EXPRESS âââ */ 185 { 186 id: 'amex-gold', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/d2bef540-4974-11f1-84f5-41ce5a3f4820.png', name: 'American Express® Gold Card', 187 issuer: 'American Express', network: 'Amex', annualFee: 325, bonusValue: 2000, 188 bonusDesc: 'Up to 100,000 pts after $8,000 spend in 6 months', bonusShort: 'Up to 100,000 pts', 189 bestFor: 'Dining & Groceries', cardScore: 4.7, minScore: 'good', 190 categories: ['dining','travel','bestoffers'], 191 rates: { travel:3, dining:4, grocery:4, gas:1, online:1, other:1 }, 192 foreignFee: 'None', rateLabel: '4à at restaurants worldwide', 193 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/gold-card/', 194 affiliateUrl: null, 195 cardArt: { bg: 'linear-gradient(135deg,#B8820A 0%,#E8B931 30%,#9A6B0C 60%,#C9951A 100%)', highlight: 'rgba(255,245,204,.15)' }, 196 pros: ['4à at restaurants & U.S. supermarkets (up to $25k/yr)','3à on flights booked directly','$120 dining credit + $120 Uber Cash/yr','Transfer to Delta, Hilton, Marriott & more','No foreign transaction fees'], 197 cons: ['$325 annual fee','Must use credits to justify fee','Less accepted than Visa in some places'], 198 tags: ['Dining 4Ã','Groceries 4Ã','No FTF','Dining Credit'], 199 guideUrl: '/guides/amex-gold-vs-chase-sapphire-preferred-dining-2026' 200 }, 201 { 202 id: 'amex-platinum', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/8cd47490-949f-11f0-832a-f3f3309a1b0c.png', name: 'The Platinum Card® from Amex', 203 issuer: 'American Express', network: 'Amex', annualFee: 895, bonusValue: 3500, 204 bonusDesc: 'Up to 175,000 pts after $12,000 spend in 6 months', bonusShort: 'Up to 175,000 pts', 205 bestFor: 'Ultra-Premium Travel', cardScore: 4.8, minScore: 'excellent', 206 categories: ['travel','bestoffers'], 207 rates: { travel:5, dining:1, grocery:1, gas:1, online:1, other:1 }, 208 foreignFee: 'None', rateLabel: '5à on flights & Amex Travel hotels', 209 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/platinum/', 210 affiliateUrl: null, 211 cardArt: { bg: 'linear-gradient(135deg,#7A7A7A 0%,#C0C0C0 40%,#A8A8A8 65%,#686868 100%)', highlight: 'rgba(232,232,232,.2)' }, 212 pros: ['Centurion & Priority Pass lounge access','$200 airline fee credit + $200 hotel credit','$240 digital entertainment credit','Over $1,500 in total credits can offset fee','Global Entry/TSA PreCheck credit'], 213 cons: ['$895 annual fee','Only 1à on most categories','Credits spread across many specific categories'], 214 tags: ['Lounge Access','$200 Air Credit','Premium','No FTF'], 215 guideUrl: '/guides/amex-platinum-vs-chase-sapphire-reserve-2026' 216 }, 217 { 218 id: 'amex-blue-cash-preferred', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/4f675c90-7268-11e9-8bc5-4d4394516d65.png', name: 'Blue Cash Preferred® Card from Amex', 219 issuer: 'American Express', network: 'Amex', annualFee: 95, bonusValue: 300, 220 bonusDesc: '$300 cash after $3,000 spend in 6 months', bonusShort: '$300 cash', 221 bestFor: 'Groceries & Streaming', cardScore: 4.4, minScore: 'good', 222 categories: ['cashback','bestoffers'], 223 rates: { travel:1, dining:1, grocery:6, gas:3, online:6, other:1 }, 224 foreignFee: '2.7%', rateLabel: '6% at U.S. supermarkets (up to $6,000/yr)', 225 note: 'The 6% applies to the first $6,000 a year at U.S. supermarkets, then 1%. The $95 annual fee is waived in year one. Neither is in the figure above.', 226 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/blue-cash-preferred/', 227 affiliateUrl: null, 228 cardArt: { bg: 'linear-gradient(135deg,#005A9C 0%,#0077A8 50%,#003E78 100%)', highlight: 'rgba(84,184,232,.18)' }, 229 pros: ['6% at U.S. supermarkets (up to $6,000/yr)','6% on select streaming subscriptions','3% on transit & U.S. gas stations','$84/yr Disney Bun
229dle credit','No annual fee for first year'], 230 cons: ['$95 annual fee after year one','2.7% foreign transaction fee','6% grocery rate capped at $6,000/yr'], 231 tags: ['Groceries 6Ã','Streaming 6Ã','Gas 3Ã','Cash Back'], 232 guideUrl: '/guides/amex-blue-cash-preferred-vs-gold-card-2026' 233 }, 234 { 235 id: 'amex-blue-cash-everyday', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/51f0d120-037f-11ed-92d2-4352643c3844.png', name: 'Blue Cash Everyday® Card from Amex', 236 issuer: 'American Express', network: 'Amex', annualFee: 0, bonusValue: 200, 237 bonusDesc: '$200 cash after $2,000 spend in 6 months', bonusShort: '$200 cash', 238 bestFor: 'No-Fee Grocery Card', cardScore: 4.1, minScore: 'good', 239 categories: ['cashback','nofee'], 240 rates: { travel:1, dining:1, grocery:3, gas:3, online:3, other:1 }, 241 foreignFee: '2.7%', rateLabel: '3% at U.S. supermarkets', 242 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/blue-cash-everyday/', 243 affiliateUrl: null, 244 cardArt: { bg: 'linear-gradient(135deg,#1A8CFF 0%,#0066CC 50%,#0044AA 100%)', highlight: 'rgba(102,187,255,.18)' }, 245 pros: ['No annual fee','3% at supermarkets, online retail & gas (up to $6k each)','$200 welcome bonus','No category activation needed'], 246 cons: ['2.7% foreign transaction fee','Each 3% category capped at $6,000/yr','Lower grocery rate than Preferred card'], 247 tags: ['No Annual Fee','Groceries 3%','Gas 3%','Cash Back'], 248 guideUrl: '/guides/amex-blue-cash-preferred-vs-gold-card-2026' 249 }, 250 251 /* âââ CAPITAL ONE âââ */ 252 { 253 id: 'capital-one-venture-x', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/a5c974a0-eb11-11f0-8b83-5b931725a212.png', name: 'Capital One Venture X Rewards', 254 issuer: 'Capital One', network: 'Visa', annualFee: 395, bonusValue: 1312, 255 bonusDesc: '75,000 miles after $4,000 spend in 3 months', bonusShort: '75,000 miles', 256 bestFor: 'Premium Flat-Rate Travel', cardScore: 4.7, minScore: 'excellent', 257 categories: ['travel','bestoffers'], 258 rates: { travel:10, dining:2, grocery:2, gas:2, online:2, other:2 }, 259 foreignFee: 'None', rateLabel: '10à on hotels via Capital One', 260 applyUrl: 'https://www.capitalone.com/credit-cards/venture-x/', 261 affiliateUrl: null, 262 cardArt: { bg: 'linear-gradient(135deg,#0D0D1A 0%,#1A1030 50%,#0D0D1A 100%)', highlight: 'rgba(209,33,32,.18)' }, 263 pros: ['$300 annual travel credit (virtually offsets fee)','10à on hotels, 5à on flights via Cap One','Priority Pass lounge access (guests $35 each)','10,000 bonus miles on anniversary','No foreign transaction fees'], 264 cons: ['$395 annual fee','Excellent credit required','Travel credit limited to Cap One portal'], 265 tags: ['Premium','Lounge Access','$300 Travel Credit','No FTF'], 266 guideUrl: '/guides/capital-one-venture-x-review-2026' 267 }, 268 { 269 id: 'capital-one-venture', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/68365000-3813-11f1-b098-a959201c3558.png', name: 'Capital One Venture Rewards', 270 issuer: 'Capital One', network: 'Visa', annualFee: 95, bonusValue: 1050, 271 bonusDesc: '75,000 miles after $4,000 spend in 3 months', bonusShort: '75,000 miles', 272 bestFor: 'Flat-Rate Travel', cardScore: 4.5, minScore: 'good', 273 categories: ['travel','bestoffers'], 274 rates: { travel:5, dining:2, grocery:2, gas:2, online:2, other:2 }, 275 foreignFee: 'None', rateLabel: '2à miles on every purchase', 276 applyUrl: 'https://www.capitalone.com/credit-cards/venture/', 277 affiliateUrl: null, 278 cardArt: { bg: 'linear-gradient(135deg,#1A1A3E 0%,#2A2A5C 50%,#1A1A3E 100%)', highlight: 'rgba(136,136,255,.18)' }, 279 guideUrl: '/guides/chase-sapphire-preferred-vs-capital-one-venture-2026', 280 pros: ['2à miles on every purchase','TSA PreCheck/Global Entry credit','5à on hotels/car rentals via Cap One','No foreign transaction fees','Simple â no categories to track'], 281 cons: ['$95 annual fee','2à flat not the best for any single category','Miles best redeemed for travel'],
282 tags: ['Travel','Flat 2Ã','TSA Credit','No FTF'] 283 }, 284 { 285 id: 'capital-one-quicksilver', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/fd1206b0-d512-11f0-8b83-5b931725a212.png', name: 'Capital One Quicksilver Cash Rewards', 286 issuer: 'Capital One', network: 'Visa', annualFee: 0, bonusValue: 200, 287 bonusDesc: '$200 cash after $500 spend in 3 months', bonusShort: '$200 cash', 288 bestFor: 'Simple Cash Back', cardScore: 4.2, minScore: 'good', 289 categories: ['cashback','nofee'], 290 rates: { travel:1.5, dining:1.5, grocery:1.5, gas:1.5, online:1.5, other:1.5 }, 291 foreignFee: 'None', rateLabel: '1.5% on everything', 292 applyUrl: 'https://www.capitalone.com/credit-cards/quicksilver/', 293 affiliateUrl: null, 294 cardArt: { bg: 'linear-gradient(135deg,#262626 0%,#3D3D3D 50%,#262626 100%)', highlight: 'rgba(192,192,192,.15)' }, 295 pros: ['No annual fee','1.5% cash back on everything','No foreign transaction fees','$200 welcome bonus after $500 spend'], 296 cons: ['1.5% rate is average','No bonus categories','Chase Freedom Unlimited often beats it'], 297 tags: ['No Annual Fee','Flat 1.5%','No FTF','Simple'], 298 guideUrl: '/guides/best-no-annual-fee-credit-cards-2026' 299 }, 300 { 301 id: 'capital-one-savor-one', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/01abe4b0-d514-11f0-b6c9-5977dd789339.png', name: 'Capital One SavorOne Cash Rewards', 302 issuer: 'Capital One', network: 'Mastercard', annualFee: 0, bonusValue: 200, 303 bonusDesc: '$200 cash after $500 spend in 3 months', bonusShort: '$200 cash', 304 bestFor: 'Dining & Entertainment', cardScore: 4.3, minScore: 'good', 305 categories: ['cashback','dining','nofee'], 306 rates: { travel:5, dining:3, grocery:3, gas:1, online:3, other:1 }, 307 foreignFee: 'None', rateLabel: '3% on dining, grocery & entertainment', 308 applyUrl: 'https://www.capitalone.com/credit-cards/savor/', 309 affiliateUrl: null, 310 cardArt: { bg: 'linear-gradient(135deg,#1A0A28 0%,#2D1045 50%,#1A0A28 100%)', highlight: 'rgba(192,96,255,.18)' }, 311 pros: ['No annual fee','3% on dining, entertainment & groceries','No foreign transaction fees','$200 welcome bonus'], 312 cons: ['1% on gas & most other spending','No travel perks or lounge access','Amex Gold beats it on dining rate'], 313 tags: ['No Annual Fee','Dining 3%','Entertainment 3%','No FTF'], 314 guideUrl: '/guides/best-no-annual-fee-credit-cards-2026' 315 }, 316 317 /* âââ DISCOVER âââ */ 318 { 319 id: 'discover-it-cashback', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/discover-it-cashback-match-012518.png', name: 'Discover it® Cash Back', 320 issuer: 'Discover', network: 'Discover', annualFee: 0, bonusValue: 300, 321 bonusDesc: 'Cashback Match⢠â all first-year cash back doubled', bonusShort: 'Cashback Matchâ¢', 322 bestFor: 'Rotating 5% + No Fee', cardScore: 4.4, minScore: 'fair', 323 categories: ['cashback','nofee','bestoffers'], 324 rates: { travel:1, dining:2, grocery:2, gas:2, online:2, other:1 }, 325 foreignFee: 'None', rateLabel: '5% rotating categories (up to $1,500/qtr)', 326 applyUrl: 'https://www.discover.com/credit-cards/cash-back/it-card.html', 327 affiliateUrl: null, 328 cardArt: { bg: 'linear-gradient(135deg,#F76F20 0%,#E85D11 50%,#C44A0A 100%)', highlight: 'rgba(255,170,102,.2)' }, 329 pros: ['No annual fee','Cashback Match doubles year-one rewards','5% on quarterly rotating categories','No foreign transaction fees','No credit score required to apply'], 330 cons: ['5% categories must be activated quarterly','Only 1à outside rotating categories','Less accepted internationally than Visa/MC'], 331 tags: ['No Annual Fee','Cashback Match','Rotating 5%','Student-Friendly'], 332 guideUrl: '/guides/best-no-annual-fee-credit-cards-2026' 333 }, 334 { 335 id: 'discover-it-student', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/642da900-ce6a-11e9-9acb-ffe5b6665b78.png', name: 'Discover it® Student Cash Back', 336 issuer: 'Discover', network: 'Discover', annualFee: 0, bonusValue: 150, 337 bonusDesc: 'Cashback Match⢠on all first-year cash back', bonusShort: 'Cashback Matchâ¢', 338 bestFor: 'Students & Credit Builders', cardScore: 4.2, minScore: 'poor', 339 categories: ['cashback','nofee','student'], 340 rates: { travel:1, dining:2, grocery:2, gas:2, online:2, other:1 }, 341 foreignFee: 'None', rateLabel: '5% rotating categories', 342 applyUrl: 'https://www.discover.com/credit-cards/student/it-card.html', 343 affiliateUrl: null, 344 cardArt: { bg: 'linear-gradient(135deg,#0066AA 0%,#0077CC 50%,#004499 100%)', highlight: 'rgba(85,170,255,.18)' }, 345 pros: ['No annual fee','No credit history required','Cashback Match year one','5% rotating categories','$20/yr Good Grades reward (3.0+ GPA)'], 346 cons: ['5% categories must be activated','Only 1à outside categories','Not suited for high spenders'], 347 tags: ['No Annual Fee','Student','No Credit Required','Cashback Match'], 348 guideUrl: '/guides/best-student-credit-cards-2026' 349 }, 350 351 /* âââ CITI âââ */ 352 { 353 id: 'citi-double-cash', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/9ea24330-ae9f-11ec-81f6-95945bae99c9.jpg', name: 'Citi Double Cash® Card', 354 issuer: 'Citi', network: 'Mastercard', annualFee: 0, bonusValue: 200, 355 bonusDesc: '$200 cash after $1,500 spend in 6 months', bonusShort: '$200 cash', 356 bestFor: 'Flat-Rate Cash Back', cardScore: 4.3, minScore: 'good', 357 categories: ['cashback','nofee'], 358 rates: { travel:2, dining:2, grocery:2, gas:2, online:2, other:2 }, 359 foreignFee: '3%', rateLabel: '2% on everything (1% + 1% when paid)', 360 applyUrl: 'https://www.citi.com/credit-cards/citi-double-cash-credit-card', 361 affiliateUrl: null, 362 cardArt: { bg: 'linear-gradient(135deg,#003B70 0%,#0057A8 50%,#003B70 100%)', highlight: 'rgba(68,153,221,.18)' }, 363 pros: ['Flat 2% on every purchase','No annual fee','No categories to track','$200 welcome bonus','Can convert to ThankYou Points for travel'],
364 cons: ['3% foreign transaction fee','No travel perks','2% = 1% when spent + 1% when paid'], 365 tags: ['No Annual Fee','Flat 2%','Simple','Cash Back'], 366 guideUrl: '/guides/best-flat-rate-cash-back-card-2026' 367 }, 368 { 369 id: 'citi-premier', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/cc4c54f0-0d3f-11ef-8061-419b99b523ee.png', name: 'Citi Strata Premier® Card', 370 issuer: 'Citi', network: 'Mastercard', annualFee: 95, bonusValue: 600, 371 bonusDesc: '60,000 pts after $4,000 spend in 3 months', bonusShort: '60,000 pts', 372 bestFor: 'Everyday Bonus Categories', cardScore: 4.3, minScore: 'good', 373 categories: ['travel','dining','bestoffers'], 374 rates: { travel:3, dining:3, grocery:3, gas:3, online:1, other:1 }, 375 foreignFee: 'None', rateLabel: '3à on hotels, air, dining, grocery & gas', 376 applyUrl: 'https://www.citi.com/credit-cards/citi-strata-premier-credit-card', 377 affiliateUrl: null, 378 cardArt: { bg: 'linear-gradient(135deg,#00539C 0%,#0066BB 50%,#003E78 100%)', highlight: 'rgba(102,187,255,.18)' }, 379 pros: ['3à on 5 major categories: hotel, air, dining, grocery, gas','$100/yr hotel discount on $500+ bookings','No foreign transaction fees','Transfer to 18+ airline & hotel partners'], 380 cons: ['$95 annual fee','Only 1à on all other purchases','ThankYou Points less flexible than Chase/Amex'], 381 tags: ['Travel','Dining 3Ã','Groceries 3Ã','No FTF'], 382 guideUrl: '/guides/citi-strata-premier-vs-chase-sapphire-preferred-2026' 383 }, 384 { 385 id: 'citi-simplicity', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/df4e8fb0-ff38-11e9-897f-e571555e984f.jpg', name: 'Citi Simplicity® Card', 386 issuer: 'Citi', network: 'Mastercard', annualFee: 0, bonusValue: 0, 387 bonusDesc: 'No welcome bonus â focus is on 0% intro APR 21 months', bonusShort: '0% APR 21 mo.', 388 bestFor: 'Balance Transfers & 0% APR', cardScore: 4.0, minScore: 'good', 389 categories: ['nofee','balancetransfer'], 390 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 391 foreignFee: 'None', rateLabel: '0% intro APR for 21 months', 392 applyUrl: 'https://www.citi.com/credit-cards/citi-simplicity-credit-card', 393 affiliateUrl: null, 394 cardArt: { bg: 'linear-gradient(135deg,#1A1A1A 0%,#333 50%,#1A1A1A 100%)', highlight: 'rgba(136,136,136,.15)' }, 395 pros: ['No annual fee','0% intro APR: 21 months on balance transfers, 12 months on purchases','No late fees, no penalty APR','No foreign transaction fees'], 396 cons: ['No rewards or cash back','No welcome bonus','Not a daily-use card'], 397 tags: ['No Annual Fee','0% APR','Balance Transfer','No Late Fees'], 398 guideUrl: '/guides/best-balance-transfer-credit-card-2026' 399 }, 400 401 /* âââ WELLS FARGO âââ */ 402 { 403 id: 'wells-fargo-active-cash', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/99e9a180-5a55-11ef-a7c5-db9b566f392d.png', name: 'Wells Fargo Active Cash® Card', 404 issuer: 'Wells Fargo', network: 'Visa', annualFee: 0, bonusValue: 100, 405 bonusDesc: '$100 cash after $500 spend in 3 months', bonusShort: '$100 cash', 406 bestFor: 'Flat 2% + No Fee', cardScore: 4.3, minScore: 'good', 407 categories: ['cashback','nofee','bestoffers'], 408 rates: { travel:2, dining:2, grocery:2, gas:2, online:2, other:2 }, 409 foreignFee: '3%', rateLabel: '2% cash back on all purchases', 410 applyUrl: 'https://creditcards.wellsfargo.com/active-cash-credit-card', 411 affiliateUrl: null, 412 cardArt: { bg: 'linear-gradient(135deg,#C8102E 0%,#AA0A26 50%,#880820 100%)', highlight: 'rgba(255,204,0,.15)' }, 413 pros: ['No annual fee','Flat 2% cash back on everything','$100 welcome bonus after just $500 spend','Cellphone protection benefit','0% intro APR for 12 months'], 414 cons: ['3% foreign transaction fee','No travel perks','Hard pull required like any card'], 415 tags: ['No Annual Fee','Flat 2%','$100 Bonus','Cell Protection'], 416 guideUrl: '/guides/best-flat-rate-cash-back-card-2026' 417 }, 418 { 419 id: 'wells-fargo-autograph', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/72
4191aaa30-91bd-11ed-9b68-abcc51f2cdde.jpg', name: 'Wells Fargo Autographâ Card', 420 issuer: 'Wells Fargo', network: 'Visa', annualFee: 0, bonusValue: 200, 421 bonusDesc: '20,000 pts ($200) after $1,000 spend in 3 months', bonusShort: '20,000 pts', 422 bestFor: 'Bonus Categories No Fee', cardScore: 4.2, minScore: 'good', 423 categories: ['cashback','dining','nofee'], 424 rates: { travel:3, dining:3, grocery:1, gas:3, online:1, other:1 }, 425 foreignFee: 'None', rateLabel: '3à on restaurants, travel, gas & transit', 426 applyUrl: 'https://creditcards.wellsfargo.com/cards/wells-fargo-autograph-visa-credit-cards/', 427 affiliateUrl: null, 428 cardArt: { bg: 'linear-gradient(135deg,#1A3A5C 0%,#2A5480 50%,#1A3A5C 100%)', highlight: 'rgba(255,204,0,.12)' }, 429 pros: ['No annual fee','3à on restaurants, travel, gas, transit, streaming & phone','No foreign transaction fees','$200 welcome bonus','Cellphone protection'], 430 cons: ['1à on groceries and everything else','No premium travel perks','Points redemption options more limited than Chase'], 431 tags: ['No Annual Fee','Dining 3Ã','Gas 3Ã','No FTF'], 432 guideUrl: '/guides/wells-fargo-autograph-review-2026' 433 }, 434 435 /* âââ BANK OF AMERICA âââ */ 436 { 437 id: 'bofa-customized-cash', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/ad3b5b00-0820-11f1-90ff-2537974ba3ef.png', name: 'BofA® Customized Cash Rewards', 438 issuer: 'Bank of America', network: 'Visa', annualFee: 0, bonusValue: 200, 439 relationshipBonus: { issuer: 'Bank of America', program: 'BofA Rewards' }, 440 bonusDesc: '$200 cash after $1,000 spend in 90 days', bonusShort: '$200 cash', 441 bestFor: 'Custom Category Cash Back', cardScore: 4.1, minScore: 'good', 442 categories: ['cashback','nofee'], 443 rates: { travel:3, dining:3, grocery:2, gas:3, online:3, other:1 }, 444 rateTiers: { among: ['travel', 'dining', 'gas', 'online'], tiers: [3], base: 1 }, // 3% in the one category you choose 445 foreignFee: '3%', rateLabel: '3% in your choice category', 446 applyUrl: 'https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/', 447 affiliateUrl: null, 448 cardArt: { bg: 'linear-gradient(135deg,#012169 0%,#022A8A 50%,#012169 100%)', highlight: 'rgba(227,24,55,.15)' }, 449 pros: ['No annual fee','Choose your 3% category (gas, dining, online, travel, drugstores, or home)','6% in your choice category for the first year (3% standard + 3% first-year bonus)','2% at grocery & wholesale clubs (up to $2,500/qtr)','Preferred Rewards bonus up to 75% more cash back'], 450 cons: ['3% foreign transaction fee','$2,500/qtr cap on 2%/3% categories','Best value requires BofA account'], 451 tags: ['No Annual Fee','Choose 3% Category','Cash Back','Customizable'], 452 guideUrl: '/guides/bofa-customized-cash-rewards-review-2026' 453 }, 454 { 455 id: 'bofa-travel-rewards', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/bf6f9140-40f1-11ee-88ac-8d33dad17a11.jpg', name: 'Bank of America® Travel Rewards', 456 issuer: 'Bank of America', network: 'Visa', annualFee: 0, bonusValue: 250, 457 relationshipBonus: { issuer: 'Bank of America', program: 'BofA Rewards' }, 458 bonusDesc: '25,000 pts ($250) after $1,000 spend in 90 days', bonusShort: '25,000 pts', 459 bestFor: 'No-Fee Travel', cardScore: 4.0, minScore: 'good', 460 categories: ['travel','nofee'], 461 rates: { travel:1.5, dining:1.5, grocery:1.5, gas:1.5, online:1.5, other:1.5 }, 462 foreignFee: 'None', rateLabel: '1.5à on all purchases', 463 applyUrl: 'https://www.bankofamerica.com/credit-cards/products/travel-rewards-credit-card/', 464 affiliateUrl: null, 465 cardArt: { bg: 'linear-gradient(135deg,#012169 0%,#034EA2 50%,#012169 100%)', highlight: 'rgba(102,170,255,.15)' }, 466 pros: ['No annual fee','No foreign transaction fees','1.5à on every purchase','Redeem for any travel purchase as statement credit'], 467 cons: ['1.5à average rate','No bonus categories','Better with Preferred Rewards status'],
468 tags: ['No Annual Fee','No FTF','Travel','Flat 1.5Ã'], 469 guideUrl: '/guides/bofa-travel-rewards-review-2026' 470 }, 471 472 /* âââ U.S. BANK âââ */ 473 { 474 id: 'usbank-altitude-connect', cardImage: 'https://creditkarma-cms.imgix.net/wp-content/uploads/2024/06/image_274869.jpeg?auto=compress&trim=color&trim-color=fff&trim-tol=40&fit=crop', name: 'U.S. Bank Altitude® Connect', 475 issuer: 'U.S. Bank', network: 'Visa', annualFee: 0, bonusValue: 200, 476 bonusDesc: '20,000 pts ($200) after $1,000 spend in 90 days', bonusShort: '20,000 pts', 477 bestFor: 'Gas & Travel No-Fee', cardScore: 4.2, minScore: 'good', 478 categories: ['travel','nofee','gas'], 479 rates: { travel:5, dining:2, grocery:2, gas:4, online:2, other:1 }, 480 foreignFee: 'None', rateLabel: '4à at gas stations & EV charging', 481 applyUrl: 'https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html', 482 affiliateUrl: null, 483 cardArt: { bg: 'linear-gradient(135deg,#00205B 0%,#003087 50%,#00205B 100%)', highlight: 'rgba(212,175,55,.18)' }, 484 pros: ['No annual fee','4à at gas stations & EV charging','5à on prepaid hotels/car rentals','TSA PreCheck/Global Entry credit','No foreign transaction fees'], 485 cons: ['Only 1à on most everyday categories','U.S. Bank relationship helps but not required','Perks require active registration'], 486 tags: ['No Annual Fee','Gas 4Ã','Travel 5Ã','TSA Credit'], 487 guideUrl: '/guides/usbank-altitude-connect-review-2026' 488 }, 489 490 /* âââ AIRLINE CARDS âââ */ 491 { 492 id: 'delta-gold-amex', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/42886430-439e-11ea-aa5e-eb16a7749700.png', name: 'Delta SkyMiles® Gold Amex Card', 493 issuer: 'American Express', network: 'Amex', annualFee: 150, bonusValue: 800, 494 bonusDesc: '80,000 miles after $2,000 spend in 6 months', bonusShort: '80,000 miles', 495 bestFor: 'Delta Flyers', cardScore: 4.2, minScore: 'good', 496 categories: ['travel','airline'], 497 rates: { travel:3, dining:2, grocery:2, gas:1, online:1, other:1 }, 498 foreignFee: 'None', rateLabel: '2à miles on Delta & dining', 499 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/', 500 affiliateUrl: null, 501 cardArt: { bg: 'linear-gradient(135deg,#003366 0%,#004B87 50%,#6B0F0F 100%)', highlight: 'rgba(178,34,34,.2)' }, 502 pros: ['First checked bag free (you + up to 8 companions)','2à miles on Delta, restaurants & U.S. supermarkets','$100 Delta flight credit after $10k spend','Priority boarding Zone 5','20% back on in-flight food & drinks'], 503 cons: ['$150 annual fee (waived first year)','Miles less flexible than bank points','No lounge access'], 504 tags: ['Delta','First Bag Free','Priority Boarding','No FTF'], 505 guideUrl: '/guides/delta-skymiles-gold-vs-united-explorer-2026' 506 }, 507 { 508 id: 'united-explorer', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/62d94c60-29a7-11ef-b4f7-c5c0eef3d8bb.png', name: 'Unitedâ Explorer Card', 509 issuer: 'Chase', network: 'Visa', annualFee: 150, bonusValue: 600, 510 bonusDesc: '50,000 miles after $3,000 spend in 3 months', bonusShort: '50,000 miles', 511 bestFor: 'United Flyers', cardScore: 4.2, minScore: 'good', 512 categories: ['travel','airline'], 513 rates: { travel:3, dining:2, grocery:1, gas:1, online:1, other:1 }, 514 foreignFee: 'None', rateLabel: '2à on United & dining', 515 applyUrl: 'https://creditcards.chase.com/travel-credit-cards/united/united-explorer', 516 affiliateUrl: null, 517 cardArt: { bg: 'linear-gradient(135deg,#002244 0%,#003DA5 50%,#002244 100%)', highlight: 'rgba(212,175,55,.15)' }, 518 pros: ['First checked bag free','2 United Club one-time passes/yr','2à on United, dining & hotels','No foreign transaction fees','Priority boarding'], 519 cons: ['$150 annual fee','United miles less flexible','No lounge membership'], 520 tags: ['United','First Bag Free','United Club Passes','No FTF'],
521 guideUrl: '/guides/delta-skymiles-gold-vs-united-explorer-2026' 522 }, 523 524 /* âââ HOTEL CARDS âââ */ 525 { 526 id: 'marriott-bonvoy-boundless', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/d1fafda0-3781-11ee-88ac-8d33dad17a11.png', name: 'Marriott Bonvoy Boundless® Card', 527 issuer: 'Chase', network: 'Visa', annualFee: 95, bonusValue: 1030, 528 bonusDesc: '4 Free Night Awards (each worth up to 50,000 pts) after $3,000 spend in 3 months', bonusShort: '4 Free Nights', 529 bestFor: 'Marriott Loyalists', cardScore: 4.1, minScore: 'good', 530 categories: ['hotel','travel'], 531 rates: { travel:3, dining:2, grocery:2, gas:2, online:2, other:2 }, 532 foreignFee: 'None', rateLabel: '6à at Marriott properties', 533 applyUrl: 'https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless', 534 affiliateUrl: null, 535 cardArt: { bg: 'linear-gradient(135deg,#8B1A1A 0%,#A52929 50%,#6B1010 100%)', highlight: 'rgba(212,175,55,.2)' }, 536 pros: ['Annual Free Night Award (up to 35k points)','6à points at Marriott properties','Automatic Silver Elite status','No foreign transaction fees','15 elite night credits/yr'], 537 cons: ['$95 annual fee','Marriott points have variable value','Only worthwhile if you stay at Marriott'], 538 tags: ['Hotel','Marriott','Free Night','Elite Status'], 539 guideUrl: '/guides/world-of-hyatt-vs-marriott-boundless-2026' 540 }, 541 { 542 id: 'world-of-hyatt', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/d6298300-22c1-11ec-97b1-37a1bb7c2537.png', name: 'World of Hyatt Credit Card', 543 issuer: 'Chase', network: 'Visa', annualFee: 95, bonusValue: 650, 544 bonusDesc: 'Up to 60,000 pts â 30,000 after $3,000 spend + 30,000 after $6,000 in 6 months', bonusShort: 'Up to 60,000 pts', 545 bestFor: 'Hyatt Loyalists', cardScore: 4.5, minScore: 'good', 546 categories: ['hotel','travel'], 547 rates: { travel:2, dining:2, grocery:1, gas:1, online:1, other:1 }, 548 foreignFee: 'None', rateLabel: '4à at Hyatt properties', 549 applyUrl: 'https://creditcards.chase.com/a1/worldofhyatt/naepc', 550 affiliateUrl: null, 551 cardArt: { bg: 'linear-gradient(135deg,#1A2744 0%,#243560 50%,#1A2744 100%)', highlight: 'rgba(180,150,80,.22)' }, 552 pros: ['Annual free night certificate (Cat 1â4 property)','4à points at Hyatt hotels & spas','Automatic Discoverist status','2à on dining, fitness clubs & gyms','No foreign transaction fees'], 553 cons: ['$95 annual fee','Only valuable if you stay at Hyatt','4à Hyatt points worth less than Chase UR at non-Hyatt'], 554 tags: ['Hotel','Hyatt','Free Night','Elite Status'], 555 guideUrl: '/guides/world-of-hyatt-vs-marriott-boundless-2026' 556 }, 557 { 558 id: 'hilton-honors-surpass', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/f11e48a0-6e8a-11ee-b65b-374fd1226059.png', name: 'Hilton Honors American Express Surpass® Card', 559 issuer: 'American Express', network: 'Amex', annualFee: 150, bonusValue: 900, 560 bonusDesc: '130,000 Hilton Honors Bonus Points after $3,000 spend in 6 months', bonusShort: '130,000 pts', 561 bestFor: 'Hilton Loyalists', cardScore: 4.3, minScore: 'good', 562 categories: ['hotel','travel'], 563 rates: { travel:7, dining:5, grocery:5, gas:3, online:3, other:3 }, 564 foreignFee: 'None', rateLabel: '12à at Hilton properties', 565 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/hilton-honors-surpass/', 566 affiliateUrl: null, 567 cardArt: { bg: 'linear-gradient(135deg,#1B4F72 0%,#2471A3 50%,#1A3A5C 100%)', highlight: 'rgba(255,215,0,.18)' }, 568 pros: ['12à Hilton Honors points at Hilton hotels','Automatic Hilton Gold status','Free Weekend Night Reward after $15k/yr spend','$50 quarterly resort statement credits','No foreign transaction fees'], 569 cons: ['$150 annual fee','Hilton points have lower per-point value','Weekend Night Reward requires high spend threshold'], 570 tags: ['Hotel','Hilton','Gold Status','Free Night'], 571 guideUrl: '/guides/hilton-honors-card-comparison-2026' 572 }, 573 { 574 id: 'ihg-one-rewards-premier', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/b2afe080-168b-11ee-9d05-8969f2172cdd.png', name: 'IHG One Rewards Premier Credit Card', 575 issuer: 'Chase', network: 'Mastercard', annualFee: 99, bonusValue: 7
57550, 576 bonusDesc: '140,000 pts after $3,000 spend in 3 months', bonusShort: '140,000 pts', 577 bestFor: 'IHG / InterContinental Loyalists', cardScore: 4.2, minScore: 'good', 578 categories: ['hotel','travel'], 579 rates: { travel:5, dining:3, grocery:2, gas:2, online:2, other:3 }, 580 foreignFee: 'None', rateLabel: '26à at IHG properties', 581 applyUrl: 'https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier', 582 affiliateUrl: null, 583 cardArt: { bg: 'linear-gradient(135deg,#006341 0%,#007A50 50%,#004D32 100%)', highlight: 'rgba(212,175,55,.2)' }, 584 pros: ['Annual Free Night (up to 40k pts) each account anniversary','Automatic IHG Platinum Elite status','4th award night free on multi-night redemptions','No foreign transaction fees','Global Entry/TSA PreCheck credit'], 585 cons: ['$99 annual fee','IHG points have lower base value','Best value requires multi-night stays'], 586 tags: ['Hotel','IHG','Free Night','Platinum Elite'], 587 guideUrl: '/guides/best-hotel-credit-cards-2026' 588 }, 589 { 590 id: 'marriott-bonvoy-brilliant', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/90355c10-3aae-11ed-b73c-91712e8727dd.png', name: 'Marriott Bonvoy Brilliant® American Express® Card', 591 issuer: 'American Express', network: 'Amex', annualFee: 650, bonusValue: 1450, 592 bonusDesc: '150,000 pts + $250 statement credit after $6,000 spend in 6 months (ends 9/30/26)', bonusShort: '150,000 pts + $250', 593 bestFor: 'Luxury Marriott Travelers', cardScore: 4.4, minScore: 'excellent', 594 categories: ['hotel','travel','bestoffers'], 595 rates: { travel:6, dining:3, grocery:2, gas:2, online:2, other:2 }, 596 foreignFee: 'None', rateLabel: '6à at Marriott properties', 597 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-brilliant/', 598 affiliateUrl: null, 599 cardArt: { bg: 'linear-gradient(135deg,#1A1A2E 0%,#16213E 50%,#0F3460 100%)', highlight: 'rgba(212,175,55,.25)' }, 600 pros: ['Annual Free Night Award (up to 85k pts) â very high value','$300 Marriott Bonvoy statement credit/yr','Automatic Marriott Platinum Elite status','Priority Pass Select lounge access','Global Entry/TSA PreCheck credit'], 601 cons: ['$650 annual fee','Must maximize credits to justify cost','Marriott points value varies significantly'], 602 tags: ['Hotel','Marriott','Platinum Elite','Lounge Access','Premium'], 603 guideUrl: '/guides/marriott-bonvoy-credit-cards-2026' 604 }, 605 606 /* âââ BALANCE TRANSFER â NEW âââ */ 607 { 608 id: 'wells-fargo-reflect', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/bd73df70-996f-11ec-81f6-95945bae99c9.png', name: 'Wells Fargo Reflect® Card', 609 issuer: 'Wells Fargo', network: 'Visa', annualFee: 0, bonusValue: 0, 610 bonusDesc: 'No bonus â 0% intro APR for 21 months on purchases & balance transfers', bonusShort: '0% APR 21 mo.', 611 bestFor: '0% APR & Balance Transfers', cardScore: 4.2, minScore: 'good', 612 categories: ['nofee','balancetransfer'], 613 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 614 foreignFee: '3%', rateLabel: '0% intro APR for 21 months', 615 applyUrl: 'https://creditcards.wellsfargo.com/reflect-visa-credit-card', 616 affiliateUrl: null, 617 cardArt: { bg: 'linear-gradient(135deg,#1A1A2E 0%,#2D2D4A 50%,#1A1A2E 100%)', highlight: 'rgba(136,136,255,.15)' }, 618 pros: ['0% intro APR for 21 months (one of the longest available)','No annual fee','Covers both purchases and balance transfers','Cellphone protection benefit'], 619 cons: ['3% foreign transaction fee','No rewards program','Not for everyday earning'], 620 tags: ['No Annual Fee','0% APR 21 Mo','Balance Transfer','No Rewards'], 621 guideUrl: '/guides/best-balance-transfer-credit-card-2026' 622 }, 623 624 /* âââ HOTEL â NEW âââ */ 625 { 626 id: 'hilton-honors-amex', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/4770cf20-8574-11ee-ae33-9baf30a7c7b0.webp', name: 'Hilton Honors American Express Card', 627 issuer: 'American Express', network: 'Amex', annualFee: 0, bonusValue: 560, 628 bonusDesc: '80,000 Hilton Honors Bonus Points after $2,000 spend in 6 months', bonusShort: '80,000 pts', 629 bestFor: 'No-Fee Hilton Card', cardScore: 4.1, minScore: 'good', 630 categories: ['hotel','nofee'], 631 rates: { travel:3, dining:5, grocery:5, gas:3, online:3, other:3 }, 632 foreignFee: 'None', rateLabel: '7à at Hilton properties', 633 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/hilton-honors/', 634 affiliateUrl: null, 635 cardArt: { bg: 'linear-gradient(135deg,#1C3F6E 0%,#0E5EA6 50%,#1C3F6E 100%)', highlight: 'rgba(255,215,0,.15)' }, 636 pros: ['No annual fee','7à Hilton Honors points at Hilton hotels','5à at U.S. restaurants & supermarkets','Automatic Hilton Silver status','No foreign transaction fees'], 637 cons: ['Silver status offers limited perks','Hilton points lower per-point value','No annual free night benefit'], 638 tags: ['Hotel','Hilton','No Annual Fee','Silver Status'], 639 guideUrl: '/guides/hilton-honors-card-comparison-2026' 640 }, 641 { 642 id: 'hilton-honors-aspire', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/a4598db0-7912-11f0-832a-f3f3309a1b0c.png', name: 'Hilton Honors American Express Aspire Card', 643 issuer: 'American Express', network: 'Amex', annualFee: 550, bonusValue: 1543, 644 bonusDesc: '150,000 Hilton Honors Bonus Points after $6,000 spend in 6 months', bonusShort: '150,000 pts', 645 bestFor: 'Luxury Hilton Travelers', cardScore: 4.5, minScore: 'excellent', 646 categories: ['hotel','travel','bestoffers'], 647 rates: { travel:7, dining:7, grocery:3, gas:3, online:3, other:3 }, 648 foreignFee: 'None', rateLabel: '14à at Hilton properties', 649 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/hilton-honors-aspire/', 650 affiliateUrl: null, 651 cardArt: { bg: 'linear-gradient(135deg,#1A0A00 0%,#4A2000 50%,#8B4513 100%)', highlight: 'rgba(255,215,0,.25)' }, 652 pros: ['14à Hilton Honors points at Hilton stays','Automatic Hilton Diamond status (top tier)','Annual Free Night Reward','$400 Hilton resort credit/yr','$200 airline fee credit/yr'], 653 cons: ['$550 annual fee','Best value requires staying at Hilton properties','Hilton points less flexible than bank points'], 654 tags: ['Hotel','Hilton','Diamond Status','Free Night','Premium'], 655 guideUrl: '/guides/hilton-honors-card-comparison-2026' 656 }, 657 { 658 id: 'wyndham-earner-plus', cardImage: 'https://creditkarma-cms.imgix.net/wp-content/uploads/2024/08/wyndham-rewards-earner-plus-card_1be271.png?auto=compress&trim=auto&trim-tol=20&fit=crop', name: 'Wyndham Rewards Earner® Plus Card', 659 issuer: 'Barclays', network: 'Visa', annualFee: 95, bonusValue: 700, 660 bonusDesc: '45,000 pts after $1,000 spend in 90 days + 55,000 pts after $500 at Wyndham in 180 days', bonusShort: 'Up to 100,000 pts', 661 bestFor: 'Wyndham & Gas Rewards', cardScore: 4.0, minScore: 'good', 662 categories: ['hotel','gas'], 663 rates: { travel:6, dining:4, grocery:4, gas:6, online:1, other:1 }, 664 foreignFee: 'None', rateLabel: '6à at Wyndham & gas stations', 665 applyUrl: 'https://cards.barclaycardus.com/banking/cards/wyndham-rewards-earner-plus-card/', 666 affiliateUrl: null, 667 cardArt: { bg: 'linear-gradient(135deg,#003366 0%,#005599 50%,#003366 100%)', highlight: 'rgba(102,170,255,.18)' }, 668 pros: ['6à at Wyndham hotels and gas stations','Automatic Wyndham Platinum status','7,500 anniversary bonus points/yr','4à on dining and grocery stores','No foreign transaction fees'], 669 cons: ['$95 annual fee','Only valuable for Wyndham loyalists','Wyndham points worth less than bank points'], 670 tags: ['Hotel','Wyndham','Platinum Status','Gas 6Ã'], 671 guideUrl: '/guides/best-hotel-credit-cards-2026' 672 }, 673 674 /* âââ AIRLINE â NEW âââ */ 675 { 676 id: 'southwest-rapid-rewards-plus', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/6bd818b0-06a8-11ed-92d2-4352643c3844.png', name: 'Southwest Rapid Rewards® Plus Credit Card', 677 issuer: 'Chase', network: 'Visa', annualFee: 99, bonusValue: 600, 678 bonusDesc: '50,000 pts after $1,000 spend in 3 months', bonusShort: '50,000 pts', 679 bestFor: 'Southwest Beginner Card', cardScore: 4.0, minScore: 'good', 680 categories: ['airline','travel'],
681 rates: { travel:2, dining:2, grocery:1, gas:1, online:1, other:1 }, 682 foreignFee: 'None', rateLabel: '2à on Southwest & partner purchases', 683 applyUrl: 'https://creditcards.chase.com/travel-credit-cards/southwest/plus', 684 affiliateUrl: null, 685 cardArt: { bg: 'linear-gradient(135deg,#DB1F26 0%,#A81820 50%,#DB1F26 100%)', highlight: 'rgba(255,200,0,.2)' }, 686 pros: ['Earns toward Companion Pass','2à on Southwest purchases','No change or cancellation fees','3,000 anniversary bonus points','No foreign transaction fees'], 687 cons: ['$99 annual fee','Only valuable for Southwest flyers','Lower earn rate than mid-tier cards'], 688 tags: ['Airline','Southwest','Companion Pass','No FTF'], 689 guideUrl: '/guides/southwest-rapid-rewards-plus-vs-priority-2026' 690 }, 691 { 692 id: 'southwest-rapid-rewards-priority', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/c9f4cf10-06a8-11ed-92d2-4352643c3844.png', name: 'Southwest Rapid Rewards® Priority Credit Card', 693 issuer: 'Chase', network: 'Visa', annualFee: 229, bonusValue: 720, 694 bonusDesc: '60,000 pts after $2,000 spend in 3 months', bonusShort: '60,000 pts', 695 bestFor: 'Frequent Southwest Flyers', cardScore: 4.3, minScore: 'good', 696 categories: ['airline','travel','bestoffers'], 697 rates: { travel:3, dining:2, grocery:1, gas:1, online:1, other:1 }, 698 foreignFee: 'None', rateLabel: '3à on Southwest purchases', 699 applyUrl: 'https://creditcards.chase.com/travel-credit-cards/southwest/priority', 700 affiliateUrl: null, 701 cardArt: { bg: 'linear-gradient(135deg,#DB1F26 0%,#A81820 50%,#DB1F26 100%)', highlight: 'rgba(255,200,0,.22)' }, 702 pros: ['$75 annual Southwest travel credit','7,500 anniversary bonus points (~$100 value)','Upgraded boardings (4/yr)','No foreign transaction fees','Earns toward Companion Pass'], 703 cons: ['$229 annual fee','Only valuable for Southwest flyers','Travel credit is statement credit, not flexible cash'], 704 tags: ['Airline','Southwest','Travel Credit','Priority'], 705 guideUrl: '/guides/southwest-rapid-rewards-plus-vs-priority-2026' 706 }, 707 { 708 id: 'delta-platinum-amex', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/7cb6a5e0-439e-11ea-aa5e-eb16a7749700.png', name: 'Delta SkyMiles® Platinum American Express Card', 709 issuer: 'American Express', network: 'Amex', annualFee: 350, bonusValue: 1500, 710 bonusDesc: 'Up to 90,000 miles after $3,000 spend in 6 months', bonusShort: 'Up to 90,000 miles', 711 bestFor: 'Frequent Delta Flyers', cardScore: 4.3, minScore: 'good', 712 categories: ['airline','travel'], 713 rates: { travel:3, dining:2, grocery:2, gas:1, online:1, other:1 }, 714 foreignFee: 'None', rateLabel: '3à miles on Delta & hotel purchases', 715 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-platinum-american-express-card', 716 affiliateUrl: null, 717 cardArt: { bg: 'linear-gradient(135deg,#003366 0%,#1A4A8A 50%,#8B0000 100%)', highlight: 'rgba(178,34,34,.2)' }, 718 pros: ['Annual companion certificate (domestic main cabin)','First checked bag free for you + 8 companions','$2,500 MQDs toward Medallion status','15% off Delta award travel','Global Entry/TSA PreCheck credit'], 719 cons: ['$350 annual fee','Miles less flexible than bank points','Companion cert restricted to domestic main cabin'], 720 tags: ['Airline','Delta','Companion Cert','MQD Boost'], 721 guideUrl: '/guides/best-airline-credit-cards-2026' 722 }, 723 { 724 id: 'delta-reserve-amex', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/8c048d80-2410-11ef-bab3-196138b9c6eb.png', name: 'Delta SkyMiles® Reserve American Express Card', 725 issuer: 'American Express', network: 'Amex', annualFee: 650, bonusValue: 1500, 726 bonusDesc: 'Up to 100,000 miles after $5,000 spend in 6 months', bonusShort: 'Up to 100,000 miles', 727 bestFor: 'Delta Lounge Access & Elite Status', cardScore: 4.4, minScore: 'excellent', 728 categories: ['airline','travel','bestoffers'], 729 rates: { travel:3, dining:1, grocery:1, gas:1, online:1, other:1 }, 730 foreignFee: 'None', rateLabel: '3à miles on Delta purchases', 731 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/delta-skym
731iles-reserve-american-express-card/', 732 affiliateUrl: null, 733 cardArt: { bg: 'linear-gradient(135deg,#1A1A1A 0%,#2D2D2D 50%,#1A1A1A 100%)', highlight: 'rgba(178,34,34,.22)' }, 734 pros: ['Delta Sky Club access (15 visits/yr)','Annual companion certificate (first class or business)','$2,500 MQDs headstart toward Platinum status','No foreign transaction fees','Global Entry/TSA PreCheck credit'], 735 cons: ['$650 annual fee','Sky Club access capped at 15 visits/yr','Only worthwhile for frequent Delta travelers'], 736 tags: ['Airline','Delta','Sky Club','Premium','Companion Cert'], 737 guideUrl: '/guides/best-airline-credit-cards-2026' 738 }, 739 { 740 id: 'citi-aadvantage-platinum', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/1bdf8110-ebd1-11f0-b6c9-5977dd789339.png', name: 'Citi® / AAdvantage® Platinum Select® Mastercard®', 741 issuer: 'Citi', network: 'Mastercard', annualFee: 0, bonusValue: 800, 742 bonusDesc: '80,000 miles after $3,500 spend in 4 months', bonusShort: '80,000 miles', 743 bestFor: 'American Airlines Flyers', cardScore: 4.1, minScore: 'good', 744 categories: ['airline','travel'], 745 rates: { travel:2, dining:2, grocery:1, gas:2, online:1, other:1 }, 746 foreignFee: 'None', rateLabel: '2à on American Airlines, dining & gas', 747 applyUrl: 'https://www.citi.com/credit-cards/citi-aadvantage-platinum-select-world-elite-mastercard', 748 affiliateUrl: null, 749 cardArt: { bg: 'linear-gradient(135deg,#0078D2 0%,#00539C 50%,#CC2529 100%)', highlight: 'rgba(0,120,210,.2)' }, 750 pros: ['First checked bag free (you + 4 companions)','$125 American Airlines flight discount after $20k/yr spend','Preferred boarding','2à on dining & gas','No foreign transaction fees'], 751 cons: ['$99 annual fee, waived the first year','AAdvantage miles less flexible','Requires moderate-high spend for flight discount'], 752 tags: ['Airline','American Airlines','First Bag Free','No FTF'], 753 guideUrl: '/guides/best-airline-credit-cards-2026' 754 }, 755 { 756 id: 'aadvantage-mileup', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/6a8b0440-c26e-11ed-b5f1-9954c274724b.webp', name: 'American Airlines AAdvantage® MileUp® Card', 757 issuer: 'Citi', network: 'Mastercard', annualFee: 0, bonusValue: 150, 758 bonusDesc: '15,000 miles after $500 spend in 3 months', bonusShort: '15,000 miles', 759 bestFor: 'No-Fee American Airlines Card', cardScore: 3.9, minScore: 'good', 760 categories: ['airline','nofee'], 761 rates: { travel:2, dining:1, grocery:2, gas:1, online:1, other:1 }, 762 foreignFee: '3%', rateLabel: '2à on American Airlines & grocery stores', 763 applyUrl: 'https://www.citi.com/credit-cards/aadvantage-mile-up-credit-card', 764 affiliateUrl: null, 765 cardArt: { bg: 'linear-gradient(135deg,#0078D2 0%,#003E8F 50%,#CC2529 100%)', highlight: 'rgba(0,120,210,.18)' }, 766 pros: ['No annual fee','2à on American Airlines purchases','2à at grocery stores','10% mileage savings on award travel','No annual fee ever'], 767 cons: ['3% foreign transaction fee','Small welcome bonus','No free checked bag benefit'], 768 tags: ['Airline','American Airlines','No Annual Fee','Grocery 2Ã'], 769 guideUrl: '/guides/best-airline-credit-cards-2026' 770 }, 771 772 /* âââ BUSINESS CARDS (NEW CATEGORY) âââ */ 773 { 774 id: 'ink-business-unlimited', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/c16ef160-f077-11eb-99d8-ddd3faec9ad4.png', name: 'Ink Business Unlimited® Credit Card', 775 issuer: 'Chase', network: 'Visa', annualFee: 0, bonusValue: 1000, 776 bonusDesc: '$1,000 cash after $8,000 spend in 4 months', bonusShort: '$1,000 cash', 777 bestFor: 'Simple Business Cash Back', cardScore: 4.6, minScore: 'good', 778 categories: ['business','cashback','nofee'], 779 rates: { travel:1.5, dining:1.5, grocery:1.5, gas:1.5, online:1.5, other:1.5 }, 780 foreignFee: '3%', rateLabel: 'Unlimited 1.5% cash back on all purchases', 781 applyUrl: 'https://creditcards.chase.com/business-credit-cards/ink/unlimited', 782 affiliateUrl: null, 783 cardArt: { bg: 'linear-gradient(135deg,#0A2342 0%,#1A3F6F 45%,#0D2A4A 100%)', highlight: 'rgba(74,144,217,.22)' }, 784 pros: ['No annual fee','Unlimited 1.5% on every purchase','$1,000 welcome bonus','Employee cards at no extra cost','Pairs with Sapphire cards to transfer to Chase UR'], 785 cons: ['3% foreign transaction fee','No bonus categories','Higher spend threshold for welcome offer'], 786 tags: ['Business','No Annual Fee','Flat 1.5%','Simple'], 787 guideUrl: '/guides/best-business-credit-cards-2026' 788 }, 789 { 790 id: 'ink-business-cash', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/5ce82980-f079-11eb-99d8-ddd3faec9ad4.png', name: 'Ink Business Cash® Credit Card', 791 issuer: 'Chase', network: 'Visa', annualFee: 0, bonusValue: 1000, 792 bonusDesc: '$1,000 cash after $8,000 spend in 4 months', bonusShort: '$1,000 cash', 793 bestFor: 'Office & Telecom Business Spend', cardScore: 4.5, minScore: 'good', 794 categories: ['business','cashback','nofee'], 795 rates: { travel:5, dining:2, grocery:2, gas:2, online:5, other:1 }, 796 foreignFee: '3%', rateLabel: '5% on office supplies & telecom (up to $25k/yr)', 797 applyUrl: 'https://creditcards.chase.com/business-credit-cards/ink/cash', 798 affiliateUrl: null, 799 cardArt: { bg: 'linear-gradient(135deg,#003087 0%,#001A5E 50%,#003087 100%)', highlight: 'rgba(74,144,217,.2)' }, 800 pros: ['No annual fee','5% on office supplies & telecom (up to $25k/yr)','2% on gas & dining (up to $25k/yr)','$1,000 welcome bonus','Pairs with Sapphire for Ultimate Rewards transfer'], 801 cons: ['3% foreign transaction fee','5% capped at $25k/yr','Only 1% on most other categories'], 802 tags: ['Business','No Annual Fee','Office 5%','Telecom 5%'], 803 guideUrl: '/guides/ink-business-cash-review-2026' 804 }, 805 { 806 id: 'ink-business-preferred', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/dbb16cd0-f075-11eb-99d8-ddd3faec9ad4.png', name: 'Ink Business Preferred® Credit Card', 807 issuer: 'Chase', network: 'Visa', annualFee: 95, bonusValue: 1250, 808 bonusDesc: '100,000 pts after $8,000 spend in 3 months', bonusShort: '100,000 pts', 809 bestFor: 'Best Business Travel Rewards', cardScore: 4.7, minScore: 'good', 810 categories: ['business','travel','bestoffers'], 811 rates: { travel:3, dining:3, grocery:3, gas:3, online:3, other:1 }, 812 foreignFee: 'None', rateLabel: '3à on travel, shipping, ads & telecom (up to $150k/yr)', 813 applyUrl: 'https://creditcards.chase.com/business-credit-cards/ink/business-preferred', 814 affiliateUrl: null, 815 cardArt: { bg: 'linear-gradient(135deg,#0A2342 0%,#1A3060 50%,#0A2342 100%)', highlight: 'rgba(74,144,217,.25)' }, 816 pros: ['100,000-point welcome bonus ($1,250+ value)','3à on travel, shipping, ads & telecom up to $150k/yr','Points worth 25% more via Chase Travel','Cell phone protection up to $600/incident','No foreign transaction fees'], 817 cons: ['$95 annual fee','3à only up to $150k/yr combined','Higher spend threshold for bonus'], 818 tags: ['Business','Travel','No FTF','90K Bonus'], 819 guideUrl: '/guides/best-business-credit-cards-2026' 820 }, 821 { 822 id: 'amex-blue-business-cash', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/a5d96e00-016b-11ea-897f-e571555e984f.png', name: 'American Express Blue Business Cash⢠Card', 823 issuer: 'American Express', network: 'Amex', annualFee: 0, bonusValue: 250, 824 bonusDesc: '$250 statement credit after $3,000 spend in 3 months', bonusShort: '$250 credit', 825 bestFor: 'Simple Business Cash Back', cardScore: 4.2, minScore: 'good', 826 categories: ['business','cashback','nofee'], 827 rates: { travel:2, dining:2, grocery:2, gas:2, online:2, other:2 }, 828 foreignFee: '2.7%', rateLabel: '2% cash back on all purchases (up to $50k/yr)',
829 applyUrl: 'https://www.americanexpress.com/en-us/business/credit-cards/blue-business-cash', 830 affiliateUrl: null, 831 cardArt: { bg: 'linear-gradient(135deg,#005A9C 0%,#0077A8 50%,#003E78 100%)', highlight: 'rgba(84,184,232,.18)' }, 832 pros: ['No annual fee','2% cash back on all purchases (up to $50k/yr)','Expanded Buying Power (spend beyond credit limit)','Employee cards at no extra cost'], 833 cons: ['2.7% foreign transaction fee','2% capped at $50k/yr (1% after)','No category bonuses'], 834 tags: ['Business','No Annual Fee','Flat 2%','Cash Back'], 835 guideUrl: '/guides/best-business-credit-cards-2026' 836 }, 837 { 838 id: 'amex-blue-business-plus', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/5f4f4070-c471-11eb-99d8-ddd3faec9ad4.jpeg', name: 'The Blue Business® Plus Credit Card from Amex', 839 issuer: 'American Express', network: 'Amex', annualFee: 0, bonusValue: 250, 840 bonusDesc: '15,000 Membership Rewards pts after $3,000 spend in 3 months', bonusShort: '15,000 pts', 841 bestFor: 'Flexible Business Points', cardScore: 4.3, minScore: 'good', 842 categories: ['business','travel','nofee'], 843 rates: { travel:2, dining:2, grocery:2, gas:2, online:2, other:2 }, 844 foreignFee: '2.7%', rateLabel: '2à Membership Rewards on all purchases (up to $50k/yr)', 845 applyUrl: 'https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/offers/blue-dual/', 846 affiliateUrl: null, 847 cardArt: { bg: 'linear-gradient(135deg,#003E78 0%,#0055AA 50%,#003E78 100%)', highlight: 'rgba(84,184,232,.18)' }, 848 pros: ['No annual fee','2à Membership Rewards on every purchase (up to $50k/yr)','Points transfer to 20+ airline & hotel partners','Expanded Buying Power','Best no-fee way to earn Amex MR points'], 849 cons: ['2.7% foreign transaction fee','2à capped at $50k/yr','No travel credits or perks'], 850 tags: ['Business','No Annual Fee','Amex Points','Flat 2Ã'], 851 guideUrl: '/guides/amex-blue-business-plus-review-2026' 852 }, 853 { 854 id: 'amex-business-gold', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/f723e0c0-0051-11f0-b098-8d7006a57d16.png', name: 'American Express® Business Gold Card', 855 issuer: 'American Express', network: 'Amex', annualFee: 375, bonusValue: 3000, 856 bonusDesc: 'Up to 200,000 pts after $15,000 spend in 3 months (varies by applicant)', bonusShort: 'Up to 200,000 pts', 857 bestFor: 'Business Bonus Category Earner', cardScore: 4.4, minScore: 'good', 858 categories: ['business','travel','bestoffers'], 859 rates: { travel:3, dining:4, grocery:4, gas:4, online:4, other:1 }, 860 foreignFee: 'None', rateLabel: '4à on top 2 business spend categories automatically', 861 applyUrl: 'https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/', 862 affiliateUrl: null, 863 cardArt: { bg: 'linear-gradient(135deg,#B8820A 0%,#E8B931 30%,#9A6B0C 60%,#C9951A 100%)', highlight: 'rgba(255,245,204,.15)' }, 864 pros: ['4à on top 2 eligible business categories each month (auto)','Up to $240/yr in statement credits (FedEx, Grubhub, Office Supply)','Transfer to 20+ airline & hotel partners','No foreign transaction fees','Flexible charge card with no preset limit'], 865 cons: ['$375 annual fee','4à capped at $150k/yr combined in top categories','High bonus spend threshold'], 866 tags: ['Business','Travel','4à Auto','No FTF'], 867 guideUrl: '/guides/amex-business-gold-review-2026' 868 }, 869 { 870 id: 'amex-business-platinum', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/d7c81800-9498-11f0-96ae-9ba4a69e8e45.png', name: 'The Business Platinum Card® from American Express', 871 issuer: 'American Express', network: 'Amex', annualFee: 695, bonusValue: 4000, 872 bonusDesc: 'Up to 300,000 pts after $20,000 spend in 3 months (varies by applicant)', bonusShort: 'Up to 300,000 pts', 873 bestFor: 'Premium Business Travel', cardScore: 4.5, minScore: 'excellent', 874 categories: ['business','travel','bestoffers'], 875 rates: { travel:5, dining:1, grocery:1, gas:1, online:1, other:1 }, 876 foreignFee: 'None', rateLabel: '5à on flights & prepaid hotels via Amex Travel', 877 applyUrl: 'https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex', 878 affiliateUrl: null, 879 cardArt: { bg: 'linear-gradient(135deg,#7A7A7A 0%,#C0C0C0 40%,#A8A8A8 65%,#686868 100%)', highlight: 'rgba(232,232,232,.2)' }, 880 pros: ['Centurion Lounge + Priority Pass access (1,300+ lounges)','$200 airline fee credit + $200 hotel credit annually','$695 in annual statement credits can offset fee','5à on flights & prepaid hotels via Amex','35% pts back when redeeming for business class flights'], 881 cons: ['$695 annual fee','High spend threshold for welcome bonus','Credits require careful tracking'], 882 tags: ['Business','Premium','Lounge Access','$200 Air Credit','No FTF'], 883 guideUrl: '/guides/amex-business-platinum-review-2026' 884 }, 885 {
886 id: 'capital-one-spark-cash-plus', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/7de2f970-bfdd-11f0-b442-1def97e241df.png', name: 'Capital One Spark Cash Plus', 887 issuer: 'Capital One', network: 'Mastercard', annualFee: 150, bonusValue: 2000, 888 bonusDesc: '$2,000 cash after $30,000 spend in 3 months', bonusShort: '$2,000 cash', 889 bestFor: 'High-Spend Business Cash Back', cardScore: 4.3, minScore: 'good', 890 categories: ['business','cashback'], 891 rates: { travel:5, dining:2, grocery:2, gas:2, online:2, other:2 }, 892 foreignFee: 'None', rateLabel: 'Unlimited 2% cash back on all purchases', 893 applyUrl: 'https://www.capitalone.com/small-business/credit-cards/spark-cash-plus/', 894 affiliateUrl: null, 895 cardArt: { bg: 'linear-gradient(135deg,#1A1A1A 0%,#333333 50%,#1A1A1A 100%)', highlight: 'rgba(255,100,0,.18)' }, 896 pros: ['Unlimited 2% cash back on everything','Annual fee refunded when you spend $150k+/yr','No foreign transaction fees','No preset spending limit (charge card)','Employee cards at no cost'], 897 cons: ['$150 annual fee','Must pay balance in full monthly (charge card)','2% fee refund only at $150k+ spend'], 898 tags: ['Business','Flat 2%','No FTF','High Spend'], 899 guideUrl: '/guides/best-business-credit-cards-2026' 900 }, 901 902 /* âââ SECURED / BUILDING CREDIT (NEW CATEGORY) âââ */ 903 { 904 id: 'discover-it-secured', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/discover-it-secured-card-012518.png', name: 'Discover it® Secured Credit Card', 905 issuer: 'Discover', network: 'Discover', annualFee: 0, bonusValue: 150, 906 bonusDesc: 'Cashback Match⢠â all first-year cash back doubled', bonusShort: 'Cashback Matchâ¢', 907 bestFor: 'Building Credit with Rewards', cardScore: 4.5, minScore: 'poor', 908 categories: ['secured','cashback','nofee'], 909 rates: { travel:1, dining:2, grocery:1, gas:2, online:1, other:1 }, 910 foreignFee: 'None', rateLabel: '2% at gas stations & restaurants (up to $1k/qtr)', 911 applyUrl: 'https://www.discover.com/credit-cards/secured/', 912 affiliateUrl: null, 913 cardArt: { bg: 'linear-gradient(135deg,#F76F20 0%,#E85D11 50%,#C44A0A 100%)', highlight: 'rgba(255,170,102,.2)' }, 914 pros: ['No annual fee','2% at gas & restaurants, 1% on all else','Cashback Match doubles year-one rewards','No credit history required','Reviewed for upgrade to unsecured card in 7 months'], 915 cons: ['Requires security deposit ($200â$2,500)','Less accepted internationally','Lower credit limit tied to deposit'], 916 tags: ['Secured','No Annual Fee','Build Credit','Cashback Match'], 917 guideUrl: '/guides/best-first-credit-card-2026' 918 }, 919 { 920 id: 'capital-one-platinum-secured', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/5e52c270-5981-11ef-a7c5-db9b566f392d.png', name: 'Capital One Platinum Secured Credit Card', 921 issuer: 'Capital One', network: 'Mastercard', annualFee: 0, bonusValue: 0, 922 bonusDesc: 'No welcome bonus â designed for credit building', bonusShort: 'Credit Builder', 923 bestFor: 'Building Credit â No Credit History', cardScore: 4.1, minScore: 'poor', 924 categories: ['secured','nofee'], 925 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 926 foreignFee: 'None', rateLabel: 'No rewards â build credit first', 927 applyUrl: 'https://www.capitalone.com/credit-cards/platinum-secured/', 928 affiliateUrl: null, 929 cardArt: { bg: 'linear-gradient(135deg,#1A1A3E 0%,#2A2A5C 50%,#1A1A3E 100%)', highlight: 'rgba(136,136,255,.15)' }, 930 pros: ['No annual fee','Refundable deposit as low as $49 (based on creditworthiness)','Automatic credit line reviews after 6 months','No foreign transaction fees','Path to unsecured Capital One card'], 931 cons: ['No rewards program','Requires security deposit','No welcome bonus'], 932 tags: ['Secured','No Annual Fee','Build Credit','Low Deposit'], 933 guideUrl: '/guides/best-first-credit-card-2026' 934 }, 935 { 936 id: 'chase-freedom-rise', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/be31af70-0f21-11f0-84bb-b542431c84ad.png', name: 'Chase Freedom Riseâ Credit Card', 937 issuer: 'Chase', network: 'Visa', annualFee: 0, bonusValue: 25, 938 bonusDesc: '$25 for enrolling in autopay + intro 3% dining (first $6,000 in 6 months)', bonusShort: '$25 + 3% dining', 939 bestFor: 'First Credit Card / Credit Building', cardScore: 4.0, minScore: 'poor', 940 categories: ['secured','cashback','nofee','student'], 941 rates: { travel:1.5, dining:1.5, grocery:1.5, gas:1.5, online:1.5, other:1.5 }, 942 foreignFee: '3%', rateLabel: '1.5% cash back on every purchase', 943 applyUrl: 'https://creditcards.chase.com/cash-back-credit-cards/freedom/rise', 944 affiliateUrl: null, 945 cardArt: { bg: 'linear-gradient(135deg,#0A5C9C 0%,#1A7DC4 55%,#0A5C9C 100%)', highlight: 'rgba(74,184,240,.2)' }, 946 pros: ['No annual fee','1.5% cash back on all purchases','Designed for no/limited credit history','No security deposit required','$25/yr Amazon Prime credit with Chase checking account'], 947 cons: ['3% foreign transaction fee','Harder to get without existing Chase banking relationship','Lower rewards than other 1.5% cards'], 948 tags: ['No Annual Fee','Build Credit','1.5% Cash Back','No Deposit'], 949 guideUrl: '/guides/best-first-credit-card-2026' 950 }, 951 952 /* âââ OPENSKY SECURED CARDS âââ */ 953 { 954 id: 'opensky-plus-secured', cardImage: 'images/cards/opensky-plus-secured.svg', name: 'OpenSky® Plus Secured Visa® Credit Card', 955 issuer: 'OpenSky', network: 'Visa', annualFee: 0, bonusValue: 70, 956 bonusDesc: 'Up to $70 bonus for funding your deposit same day ($30 with $500, $70 with $1,000)', bonusShort: 'Up to $70', 957 bestFor: 'Building Credit â No Credit Check, No Bank Account Needed', cardScore: 3.8, minScore: 'poor', 958 categories: ['secured','nofee'], 959 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 960 foreignFee: '3%', rateLabel: 'Up to 10% cash back via linked merchant offers', 961 applyUrl: 'https://www.openskycc.com/', 962 affiliateUrl: null, 963 cardArt: { bg: 'linear-gradient(135deg,#005F73 0%,#0A9DB5 55%,#003E50 100%)', highlight: 'rgba(100,220,240,.15)' }, 964 pros: [
965 'No annual fee â zero cost to hold the card', 966 'No credit check required â approval based on deposit, not credit score', 967 'No bank account required to apply (rare for secured cards)', 968 'Reports to all three major credit bureaus monthly', 969 'Up to 10% cash back at select merchants via OpenSky Rewards program', 970 'Credit limit matches deposit (up to $3,000)' 971 ], 972 cons: [ 973 'Requires $300 minimum security deposit (higher than competitors)', 974 'High variable APR (28.24%) â pay in full each month', 975 'Cash back only through pre-linked merchant offers, not automatic', 976 'No welcome bonus', 977 '3% foreign transaction fee', 978 'No path to unsecured upgrade program announced' 979 ], 980 tags: ['Secured','No Annual Fee','No Credit Check','No Bank Account','Build Credit'], 981 guideUrl: '/guides/best-credit-cards-for-beginners-2026' 982 }, 983 { 984 id: 'opensky-launch-secured', cardImage: 'images/cards/opensky-launch-secured.svg', name: 'OpenSky® Launch Secured Visa® Credit Card', 985 issuer: 'OpenSky', network: 'Visa', annualFee: 24, bonusValue: 0, 986 bonusDesc: 'No welcome bonus â credit-building focus', bonusShort: 'No Bonus', 987 bestFor: 'Lowest Deposit Entry â Start Credit at $150', cardScore: 3.6, minScore: 'poor', 988 categories: ['secured'], 989 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 990 foreignFee: '3%', rateLabel: 'Up to 10% cash back via linked merchant offers', 991 applyUrl: 'https://www.openskycc.com/', 992 affiliateUrl: null, 993 cardArt: { bg: 'linear-gradient(135deg,#7A8FA8 0%,#B5C4D2 50%,#5C7080 100%)', highlight: 'rgba(255,255,255,.15)' }, 994 pros: [ 995 'Lowest minimum deposit of the three OpenSky cards â just $150 to start', 996 'No credit check required â approval based on deposit', 997 'No bank account required to apply', 998 'Reports to all three major credit bureaus monthly', 999 'Up to 10% cash back at select merchants via OpenSky Rewards', 1000 'Easy entry point for those new to credit' 1001 ], 1002 cons: [ 1003 '$2/month fee in year one ($24/year), rising to $3/month ($36/year) thereafter', 1004 'Lower maximum credit limit â capped at $1,000', 1005 'High variable APR (28.24%)', 1006 'Cash back only through pre-linked merchant offers, not automatic', 1007 'No welcome bonus', 1008 '3% foreign transaction fee' 1009 ], 1010 tags: ['Secured','Low Deposit','No Credit Check','No Bank Account','$150 Deposit'], 1011 guideUrl: '/guides/best-secured-credit-cards-2026' 1012 }, 1013 { 1014 id: 'opensky-secured-visa', cardImage: 'images/cards/opensky-secured-visa.svg', name: 'OpenSky® Secured Visa® Credit Card', 1015 issuer: 'OpenSky', network: 'Visa', annualFee: 35, bonusValue: 20, 1016 bonusDesc: '$20 statement credit when you fund a minimum $300 deposit same day', bonusShort: '$20 credit', 1017 bestFor: 'Building Credit â The Original OpenSky Card', cardScore: 3.5, minScore: 'poor', 1018 categories: ['secured'], 1019 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 1020 foreignFee: '3%', rateLabel: 'Up to 10% cash back via linked merchant offers', 1021 applyUrl: 'https://www.openskycc.com/', 1022 affiliateUrl: null, 1023 cardArt: { bg: 'linear-gradient(135deg,#003D8F 0%,#0062B8 55%,#001F60 100%)', highlight: 'rgba(100,160,255,.15)' }, 1024 pros: [ 1025 'No credit check required â accessible to any credit profile', 1026 'Lower APR (23.89%) compared to other OpenSky cards', 1027 'Credit limit up to $3,000 matching your deposit', 1028 'Reports to all three major credit bureaus monthly', 1029 'Up to 10% cash back at select merchants via OpenSky Rewards', 1030 'Established product with long track record' 1031 ], 1032 cons: [ 1033 '$35 annual fee â competitors offer $0-fee secured cards', 1034 '3% foreign transaction fee', 1035 'Bonus requires funding $300 same day â well above the $200 minimum deposit', 1036 'Cash back only through pre-linked merchant offers, not automatic', 1037 '$200 minimum deposit required',
1038 'No announced path to unsecured upgrade' 1039 ], 1040 tags: ['Secured','No Credit Check','No Bank Account','Lower APR','$35 Fee'], 1041 guideUrl: '/guides/best-secured-credit-cards-2026' 1042 }, 1043 1044 /* âââ STUDENT â NEW âââ */ 1045 { 1046 id: 'discover-it-student-chrome', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/discover-it-chrom-for-students-012518.png', name: 'Discover it® Student Chrome', 1047 issuer: 'Discover', network: 'Discover', annualFee: 0, bonusValue: 150, 1048 bonusDesc: 'Cashback Match⢠on all first-year cash back', bonusShort: 'Cashback Matchâ¢', 1049 bestFor: 'Students â Gas & Dining', cardScore: 4.1, minScore: 'poor', 1050 categories: ['student','cashback','nofee'], 1051 rates: { travel:1, dining:2, grocery:1, gas:2, online:1, other:1 }, 1052 foreignFee: 'None', rateLabel: '2% at gas & restaurants (up to $1k/qtr)', 1053 applyUrl: 'https://www.discover.com/credit-cards/student-credit-card/chrome-card.html', 1054 affiliateUrl: null, 1055 cardArt: { bg: 'linear-gradient(135deg,#575757 0%,#888888 40%,#5E5E5E 70%,#3A3A3A 100%)', highlight: 'rgba(247,111,32,.18)' }, 1056 pros: ['No annual fee','2% at gas & restaurants (up to $1k/qtr)','1% on all other purchases','Cashback Match doubles year-one rewards','$20 Good Grades reward (3.0+ GPA)','First late fee waived'], 1057 cons: ['Less accepted internationally than Visa/MC','2% capped at $1,000/quarter','Only 1% outside gas & restaurants'], 1058 tags: ['Student','No Annual Fee','Gas 2Ã','Dining 2Ã','Cashback Match'], 1059 guideUrl: '/guides/discover-it-student-chrome-review-2026' 1060 }, 1061 1062 { 1063 id: 'capital-one-quicksilver-student', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/c5022660-ee0e-11ef-82bd-cd0926ad3410.png', name: 'Capital One Quicksilver Student Cash Rewards', 1064 issuer: 'Capital One', network: 'Visa', annualFee: 0, bonusValue: 100, 1065 bonusDesc: '$100 cash after $300 spend in 3 months', bonusShort: '$100 cash', 1066 bestFor: 'Flat-Rate Rewards for Students', cardScore: 4.0, minScore: 'poor', 1067 categories: ['student','cashback','nofee'], 1068 rates: { travel:5, dining:1.5, grocery:1.5, gas:1.5, online:1.5, other:1.5 }, 1069 foreignFee: 'None', rateLabel: '1.5% cash back on every purchase', 1070 applyUrl: 'https://www.capitalone.com/credit-cards/quicksilver-student/', 1071 affiliateUrl: null, 1072 cardArt: { bg: 'linear-gradient(135deg,#1C1C1C 0%,#363636 50%,#1C1C1C 100%)', highlight: 'rgba(192,192,192,.15)' }, 1073 pros: ['No annual fee','1.5% flat cash back on everything â no categories to track','No foreign transaction fees (great for study abroad)','5% on hotels & rentals via Capital One Travel','$100 welcome bonus after just $300 spend'], 1074 cons: ['1.5% flat rate won\'t beat category cards','$50 bonus is smaller than many competitors','No special student perks beyond basic benefits'], 1075 tags: ['Student','No Annual Fee','Flat 1.5%','No FTF'], 1076 guideUrl: '/guides/capital-one-quicksilver-student-review-2026' 1077 }, 1078 1079 { 1080 id: 'capital-one-savor-student', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/7027dca0-9087-11ef-9b25-ab59e8af7111.png', name: 'Capital One Savor Student Cash Rewards', 1081 issuer: 'Capital One', network: 'Mastercard', annualFee: 0, bonusValue: 100, 1082 bonusDesc: '$100 cash after $300 spend in 3 months', bonusShort: '$100 cash', 1083 bestFor: 'Dining & Entertainment for Students', cardScore: 4.3, minScore: 'poor', 1084 categories: ['student','cashback','nofee','dining'], 1085 rates: { travel:5, dining:3, grocery:3, gas:1, online:3, other:1 }, 1086 foreignFee: 'None', rateLabel: '3% on dining, grocery, entertainment & streaming', 1087 applyUrl: 'https://www.capitalone.com/credit-cards/savor-student/', 1088 affiliateUrl: null, 1089 cardArt: { bg: 'linear-gradient(135deg,#1A0A28 0%,#2D1045 50%,#1A0A28 100%)', highlight: 'rgba(192,96,255,.18)' }, 1090 pros: ['No annual fee','3% on dining, entertainment, grocery & popular streaming','5% on hotels & rentals via Capital One Travel','8% on Capital One Entertainment purchases','No foreign transaction fees','No credit history required'],
1091 cons: ['Only 1% on gas and most other purchases','$50 welcome bonus is small','No intro APR offer'], 1092 tags: ['Student','No Annual Fee','Dining 3Ã','No FTF','Entertainment 3Ã'], 1093 guideUrl: '/guides/best-student-credit-cards-2026' 1094 }, 1095 1096 { 1097 id: 'bofa-travel-rewards-student', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/049b20e0-5d7b-11ee-8538-b552e7f8b04a.jpg', name: 'Bank of America® Travel Rewards for Students', 1098 issuer: 'Bank of America', network: 'Visa', annualFee: 0, bonusValue: 250, 1099 relationshipBonus: { issuer: 'Bank of America', program: 'BofA Rewards' }, 1100 bonusDesc: '25,000 pts ($250) after $1,000 spend in 90 days', bonusShort: '25,000 pts', 1101 bestFor: 'Student Travelers â No FTF', cardScore: 4.0, minScore: 'fair', 1102 categories: ['student','travel','nofee'], 1103 rates: { travel:3, dining:1.5, grocery:1.5, gas:1.5, online:1.5, other:1.5 }, 1104 foreignFee: 'None', rateLabel: '1.5à points on all purchases; 3à on travel', 1105 applyUrl: 'https://www.bankofamerica.com/credit-cards/products/student-rewards-credit-card/', 1106 affiliateUrl: null, 1107 cardArt: { bg: 'linear-gradient(135deg,#012169 0%,#034EA2 50%,#012169 100%)', highlight: 'rgba(102,170,255,.15)' }, 1108 pros: ['No annual fee','No foreign transaction fees â ideal for studying abroad','1.5à points on every purchase','$250 in travel value from welcome bonus','0% intro APR for 15 billing cycles on purchases','Points never expire'], 1109 cons: ['Points redeemed as travel statement credits only','1.5à is average; no bonus categories beyond BofA Travel','3à travel rate requires booking through BofA Travel Center'], 1110 tags: ['Student','No Annual Fee','No FTF','Travel','Study Abroad'], 1111 guideUrl: '/guides/bofa-travel-rewards-student-review-2026' 1112 }, 1113 1114 { 1115 id: 'bofa-customized-cash-student', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/9ce90560-0832-11f1-90ff-2537974ba3ef.png', name: 'Bank of America® Customized Cash Rewards for Students', 1116 issuer: 'Bank of America', network: 'Visa', annualFee: 0, bonusValue: 200, 1117 relationshipBonus: { issuer: 'Bank of America', program: 'BofA Rewards' }, 1118 bonusDesc: '$200 cash after $1,000 spend in 90 days', bonusShort: '$200 cash', 1119 bestFor: 'Choose-Your-Category Cash Back for Students', cardScore: 4.1, minScore: 'fair', 1120 categories: ['student','cashback','nofee'], 1121 rates: { travel:3, dining:2, grocery:2, gas:3, online:3, other:1 }, 1122 foreignFee: '3%', rateLabel: '3% in your choice category', 1123 applyUrl: 'https://www.bankofamerica.com/credit-cards/products/student-cash-back-credit-card/', 1124 affiliateUrl: null, 1125 cardArt: { bg: 'linear-gradient(135deg,#012169 0%,#022A8A 50%,#012169 100%)', highlight: 'rgba(227,24,55,.15)' }, 1126 pros: ['No annual fee','3% cash back in your chosen category (gas, online, dining, travel, drug stores, home improvement)','2% at grocery stores & wholesale clubs (up to $2,500/qtr)','$200 welcome bonus','Switch your 3% category once per month','Free FICO score access'], 1127 cons: ['3% foreign transaction fee (not great for travel abroad)','3%/2% categories capped at $2,500 per quarter','Preferred Rewards boost requires BofA account'], 1128 tags: ['Student','No Annual Fee','Choose 3% Category','$200 Bonus','Cash Back'], 1129 guideUrl: '/guides/bofa-customized-cash-student-review-2026' 1130 }, 1131 1132 { 1133 id: 'bofa-unlimited-cash-student', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/7f646930-0832-11f1-9c40-1b24d4501501.png', name: 'Bank of America® Unlimited Cash Rewards for Students', 1134 issuer: 'Bank of America', network: 'Visa', annualFee: 0, bonusValue: 250, 1135 relationshipBonus: { issuer: 'Bank of America', program: 'BofA Rewards' }, 1136 bonusDesc: '$250 cash after $1,000 spend in 90 days', bonusShort: '$250 cash', 1137 bestFor: 'Simple Flat Cash Back for Students', cardScore: 3.9, minScore: 'fair', 1138 categories: ['student','cashback','nofee'], 1139 rates: { travel:1.5, dining:1.5, grocery:1.5, gas:1.5, online:1.5, other:1.5 }, 1140 foreignFee: '3%', rateLabel: '1.5% unlimited cash back on all purchases', 1141 applyUrl: 'https://www.bankofamerica.com/credit-cards/products/unlimited-cash-back-student-credit-card/', 1142 affiliateUrl: null, 1143 cardArt: { bg: 'linear-gradient(135deg,#012169 0%,#044496 50%,#012169 100%)', highlight: 'rgba(102,153,255,.15)' }, 1144 pros: ['No annual fee','Unlimited 1.5% cash back on every purchase â no categories','$250 wel
1144come bonus after $1,000 spend','0% intro APR for 15 billing cycles on purchases','Free FICO credit score access','Cash back never expires'], 1145 cons: ['3% foreign transaction fee','No bonus categories â flat rate only','No standout student-specific perks'], 1146 tags: ['Student','No Annual Fee','Flat 1.5%','$200 Bonus','Simple'], 1147 guideUrl: '/guides/bofa-unlimited-cash-student-review-2026' 1148 }, 1149 1150 /* âââ LUXURY / METAL CARDS âââ */ 1151 { 1152 id: 'luxury-card-titanium', cardImage: 'https://creditkarma-cms.imgix.net/wp-content/uploads/2024/06/image_683755.png?auto=compress&trim=auto&trim-tol=20&fit=crop', name: 'Mastercard® Titanium Cardâ¢', 1153 issuer: 'Luxury Card', network: 'Mastercard', annualFee: 299, bonusValue: 0, 1154 bonusDesc: 'No welcome bonus â Priority Pass Select and 24/7 concierge included', bonusShort: 'No Bonus', 1155 bestFor: 'Metal Card â Priority Pass & Concierge', cardScore: 2.8, minScore: 'excellent', 1156 categories: ['travel','cashback'], 1157 rates: { travel:2, dining:1, grocery:1, gas:1, online:1, other:1 }, 1158 foreignFee: 'None', rateLabel: '1% cashback; 2% for airfare redemptions', 1159 applyUrl: 'https://www.luxurycard.com/titaniumcard', 1160 affiliateUrl: null, 1161 cardArt: { bg: 'linear-gradient(135deg,#3D3D3D 0%,#7A7A7A 35%,#9E9E9E 50%,#6A6A6A 70%,#3D3D3D 100%)', highlight: 'rgba(200,200,200,.2)' }, 1162 pros: ['Priority Pass Select membership â lounge access worldwide','24/7 Luxury Card Concierge service','Metal card (brushed stainless steel, 22g)','Complimentary benefits at 3,000+ luxury properties','0% intro APR on balance transfers for 15 billing cycles'], 1163 cons: ['$299 annual fee','Only 1% base cashback â poor value vs. no-fee cards','No Global Entry/TSA PreCheck credit (Black & Gold only)','Hard to justify unless you heavily use concierge'], 1164 tags: ['Luxury','Metal Card','Priority Pass','Concierge'], 1165 guideUrl: '/guides/mastercard-titanium-card-review-2026' 1166 }, 1167 { 1168 id: 'luxury-card-black', cardImage: 'https://creditkarma-cms.imgix.net/wp-content/uploads/2024/06/image_1c88ea.png?auto=compress&trim=auto&trim-tol=20&fit=crop', name: 'Mastercard® Black Cardâ¢', 1169 issuer: 'Luxury Card', network: 'Mastercard', annualFee: 699, bonusValue: 0, 1170 bonusDesc: 'No welcome bonus â $200 annual airline credit + Priority Pass included', bonusShort: 'No Bonus', 1171 bestFor: 'Luxury Metal Card â Priority Pass & $200 Air Credit', cardScore: 3.0, minScore: 'excellent', 1172 categories: ['travel','cashback'], 1173 rates: { travel:2, dining:1.5, grocery:1.5, gas:1.5, online:1.5, other:1.5 }, 1174 foreignFee: 'None', rateLabel: '1.5% cashback; 2% for airfare redemptions', 1175 applyUrl: 'https://www.luxurycard.com/blackcard', 1176 affiliateUrl: null, 1177 cardArt: { bg: 'linear-gradient(135deg,#0A0A0A 0%,#1A1A1A 50%,#0A0A0A 100%)', highlight: 'rgba(212,175,55,.25)' }, 1178 pros: ['$200 annual airline credit','Priority Pass Select membership','$120 Global Entry or TSA PreCheck credit (every 4 yrs)','1.5% cashback â redeemable at 2% for airfare','24/7 Luxury Card Concierge','Black PVD-coated stainless steel metal card'], 1179 cons: ['$699 annual fee','Chase Sapphire Reserve offers more travel value at similar cost','1.5% earn rate trails many no-fee cards','Requires excellent credit'], 1180 tags: ['Luxury','Metal Card','Priority Pass','$200 Air Credit','1.5% Cash Back'], 1181 guideUrl: '/guides/mastercard-black-card-review-2026' 1182 }, 1183 { 1184 id: 'luxury-card-gold', cardImage: 'https://creditkarma-cms.imgix.net/wp-content/uploads/2024/06/image_bc3c4c.png?auto=compress&trim=auto&trim-tol=20&fit=crop', name: 'Mastercard® Gold Cardâ¢', 1185 issuer: 'Luxury Card', network: 'Mastercard', annualFee: 1199, bonusValue: 0, 1186 bonusDesc: 'No welcome bonus â $300 airline credit + $200 dining credit annually', bonusShort: 'No Bonus', 1187 bestFor: 'Ultra-Premium Metal Card â 2% Back + $300 Air Credit', cardScore: 3.2, minScore: 'excellent', 1188 categories: ['travel','cashback'], 1189 rates: { travel:2, dining:2, grocery:2, gas:2, online:2, other:2 }, 1190 foreignFee: 'None', rateLabel: '2% cashback on all purchases', 1191 applyUrl: 'https://www.luxurycard.com/goldcard', 1192 affiliateUrl: null, 1193 cardArt: { bg: 'linear-gradient(135deg,#6B4F12 0%,#C9941A 25%,#E8B931 45%,#C9941A 70%,#6B4F12 100%)', highlight: 'rgba(255,248,210,.2)' }, 1194 pros: ['24K gold-plated stainless steel metal card','$300 annual airline credit','$200 annual dining credit','Priority Pass Select membership','$120 Global Entry or TSA PreCheck credit (every 4 yrs)','2% cashback on all purchases','24/7 Luxury Card Concierge'], 1195 cons: ['$1,199 annual fee â very high even for a premium card','Amex Platinum ($895) offers comparable or better benefits at lower cost','2% cashback is available on no-fee cards','Primarily a status symbol â niche practical value'], 1196 tags: ['Luxury','Metal Card','Priority Pass','$300 Air Credit','2% Cash Back','Premium'], 1197 guideUrl: '/guides/mastercard-gold-card-review-2026' 1198 }, 1199 1200 /* âââ FINTECH âââ */ 1201 { 1202 id: 'paypal-cashback-mastercard', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/d0c5b850-944f-11ee-89c9-73154d1f9ea7.jpg', name: 'PayPal Cashback Mastercard®', 1203 issuer: 'PayPal', network: 'Mastercard', annualFee: 0, bonusValue: 0,
1204 bonusDesc: 'No welcome bonus â 3% cash back with PayPal on every purchase', bonusShort: 'No Bonus', 1205 bestFor: 'PayPal Users â 3% Cash Back', cardScore: 3.7, minScore: 'good', 1206 categories: ['cashback','nofee'], 1207 rates: { travel:1.5, dining:1.5, grocery:1.5, gas:1.5, online:3, other:1.5 }, 1208 foreignFee: 'None', rateLabel: '3% with PayPal; 1.5% everywhere else', 1209 applyUrl: 'https://www.paypal.com/us/digital-wallet/manage-money/paypal-cashback-mastercard', 1210 affiliateUrl: null, 1211 cardArt: { bg: 'linear-gradient(135deg,#003087 0%,#0070BA 50%,#003087 100%)', highlight: 'rgba(0,112,186,.3)' }, 1212 pros: ['No annual fee','3% cash back whenever you pay with PayPal','1.5% on all other purchases â competitive flat rate','No foreign transaction fees','Simple cashback â direct deposit to PayPal balance'], 1213 cons: ['3% rate only applies when you pay via PayPal checkout','Requires an active, verified PayPal account','No travel perks, lounge access, or intro APR offer','No welcome bonus'], 1214 tags: ['No Annual Fee','Cash Back','3% PayPal','No FTF','Simple'], 1215 guideUrl: '/guides/paypal-cashback-mastercard-review-2026' 1216 }, 1217 1218 /* âââ BILT âââ */ 1219 { 1220 id: 'bilt-rewards', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/526e7df0-f09d-11f0-978a-a1863c8757a7.png', name: 'Bilt Blue Card', 1221 issuer: 'Bilt', network: 'Mastercard', annualFee: 0, bonusValue: 100, 1222 bonusDesc: '$100 in Bilt Cash on approval', bonusShort: '$100 Bilt Cash', 1223 bestFor: 'Rent Rewards & Travel', cardScore: 4.3, minScore: 'good', 1224 categories: ['travel','dining','nofee'], 1225 rates: { travel:3, dining:1, grocery:1, gas:1, online:1, other:1 }, 1226 foreignFee: 'None', rateLabel: 'Up to 4à Bilt Dining partners · 3à hotels via Bilt Travel & Lyft · 2à flights · up to 1.25à rent', 1227 applyUrl: 'https://www.bilt.com/card', 1228 affiliateUrl: null, 1229 cardArt: { bg: 'linear-gradient(135deg,#1A1A2E 0%,#2D2D44 50%,#16213E 100%)', highlight: 'rgba(130,130,200,.18)' }, 1230 pros: ['Up to 1.25à points on rent or mortgage, with no payment fee','Up to 4à at 20,000+ Bilt Dining partner restaurants','3à on hotels booked through Bilt Travel and on Lyft','Transfer points 1:1 to airline and hotel partners','No annual fee and no foreign transaction fees'], 1231 cons: ['Welcome offer is modest ($100 Bilt Cash)','Only 1à on dining outside Bilt partner restaurants, and on groceries','Housing points scale with card spend â under 25% of your housing payment earns a flat 250 points'], 1232 tags: ['No Annual Fee','Rent Rewards','Bilt Dining','No FTF'], 1233 guideUrl: '/guides/bilt-card-review-2026' 1234 }, 1235 { 1236 id: 'bilt-obsidian', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/6ec80040-f0a0-11f0-a71b-bd9dec938f3c.png', name: 'Bilt Obsidian Card', 1237 issuer: 'Bilt', network: 'Mastercard', annualFee: 95, bonusValue: 200, 1238 bonusDesc: '$200 in Bilt Cash on approval, no minimum spend', bonusShort: '$200 Bilt Cash', 1239 bestFor: 'Rent Rewards + Dining or Groceries', cardScore: 4.4, minScore: 'good', 1240 categories: ['travel','dining'], 1241 rates: { travel:4, dining:3, grocery:1, gas:1, online:1, other:1 }, 1242 foreignFee: 'None', rateLabel: '3à dining or grocery (your pick) · 4à hotels & 3à flights via Bilt Travel · up to 1.25à rent', 1243 applyUrl: 'https://www.bilt.com/card/application?tier=obsidian', 1244 affiliateUrl: null, 1245 cardArt: { bg: 'linear-gradient(135deg,#0B0B0F 0%,#23232B 50%,#0B0B0F 100%)', highlight: 'rgba(160,160,190,.16)' }, 1246 pros: ['Up to 1.25à points on rent or mortgage, with no payment fee','3à on dining or groceries â you choose, and can switch each January','$100 a year in Bilt Travel hotel credits ($50 twice a year)','Transfer points 1:1 to airline and hotel partners','No foreign transaction fees'], 1247 cons: ['$95 annual fee','Only one of dining or grocery earns 3Ã; grocery capped at $25,000 a year','Housing points scale with card spend â under 25% of your housing payment earns a flat 250 points','Hotel credit only works through Bilt Travel'],
1248 tags: ['Rent Rewards','Dining or Grocery 3Ã','No FTF','Transfer Partners'], 1249 guideUrl: '/guides/bilt-card-review-2026' 1250 }, 1251 { 1252 id: 'bilt-palladium', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/27326e30-f0a2-11f0-978a-a1863c8757a7.png', name: 'Bilt Palladium Card', 1253 issuer: 'Bilt', network: 'Mastercard', annualFee: 495, bonusValue: 925, 1254 bonusDesc: '$300 Bilt Cash on approval, plus 50,000 pts and Gold status after $4,000 spend in 90 days (rent/mortgage excluded)', bonusShort: '50K pts + $300', 1255 bestFor: 'Premium Travel + Rent Rewards', cardScore: 4.5, minScore: 'excellent', 1256 categories: ['travel','dining','bestoffers'], 1257 rates: { travel:4, dining:2, grocery:2, gas:2, online:2, other:2 }, 1258 foreignFee: 'None', rateLabel: '2à everywhere · up to 5à Bilt Dining · 4à hotels & 3à flights via Bilt Travel · up to 1.25à rent', 1259 applyUrl: 'https://www.bilt.com/card/application?tier=palladium', 1260 affiliateUrl: null, 1261 cardArt: { bg: 'linear-gradient(135deg,#8E8E93 0%,#C7C7CC 50%,#6E6E73 100%)', highlight: 'rgba(255,255,255,.22)' }, 1262 pros: ['2à points on everything outside bonus categories','$400 a year in Bilt Travel hotel credits ($200 twice a year)','$200 in Bilt Cash every year','Priority Pass lounge membership','Up to 1.25à points on rent or mortgage, with no payment fee'],
1263 cons: ['$495 annual fee','Hotel credits only work through Bilt Travel','Rent and mortgage payments do not count toward the $4,000 welcome spend','$95 fee per authorized user'], 1264 tags: ['Rent Rewards','Lounge Access','No FTF','Transfer Partners'], 1265 guideUrl: '/guides/bilt-card-review-2026' 1266 }, 1267 1268 /* âââ CAPITAL ONE â VENTURONE âââ */ 1269 { 1270 id: 'capital-one-venture-one', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/b266bb10-d512-11f0-8b83-5b931725a212.png', name: 'Capital One VentureOne Rewards Credit Card', 1271 issuer: 'Capital One', network: 'Visa', annualFee: 0, bonusValue: 200, 1272 bonusDesc: '20,000 miles after $500 spend in 3 months', bonusShort: '20,000 miles', 1273 bestFor: 'No-Fee Travel Starter Card', cardScore: 4.1, minScore: 'good', 1274 categories: ['travel','nofee'], 1275 rates: { travel:5, dining:1.25, grocery:1.25, gas:1.25, online:1.25, other:1.25 }, 1276 foreignFee: 'None', rateLabel: '1.25à on every purchase', 1277 applyUrl: 'https://www.capitalone.com/credit-cards/ventureone/', 1278 affiliateUrl: null, 1279 cardArt: { bg: 'linear-gradient(135deg,#B00000 0%,#D4000A 50%,#900000 100%)', highlight: 'rgba(255,80,80,.18)' }, 1280 pros: ['No annual fee','1.25à miles on every purchase','5à on hotels & rental cars via Capital One Travel','Transfer to 15+ travel partners','No foreign transaction fees'], 1281 cons: ['Only 1.25à base rate â lower than flat 2% cards','No lounge access or travel credits','Miles worth ~1¢ unless transferred'], 1282 tags: ['No Annual Fee','Travel','No FTF','1.25à Flat'], 1283 guideUrl: '/guides/capital-one-ventureone-review-2026' 1284 }, 1285 1286 /* âââ CHASE â UNITED QUEST âââ */ 1287 { 1288 id: 'united-quest', cardImage: 'https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/united_quest_card_tilted.png', name: 'Chase United Questâ Card', 1289 issuer: 'Chase', network: 'Visa', annualFee: 350, bonusValue: 600, 1290 bonusDesc: '60,000 miles after $4,000 spend in 3 months', bonusShort: '60,000 miles', 1291 bestFor: 'United Mid-Tier with Credits', cardScore: 4.4, minScore: 'good', 1292 categories: ['travel','airline'], 1293 rates: { travel:3, dining:2, grocery:1, gas:1, online:2, other:1 }, 1294 foreignFee: 'None', rateLabel: '3à United · 2à dining & hotel', 1295 applyUrl: 'https://creditcards.chase.com/travel-credit-cards/united/united-quest', 1296 affiliateUrl: null, 1297 cardArt: { bg: 'linear-gradient(135deg,#003087 0%,#0A3D91 50%,#001E6B 100%)', highlight: 'rgba(0,100,200,.2)' }, 1298 pros: ['$125 United purchase credit per year','3à miles on United purchases','2 PlusPoints awards per year','Free first & second checked bag','Premier qualifying miles boost'], 1299 cons: ['$350 annual fee','Credits require United purchases to maximize','Less valuable if you rarely fly United'], 1300 tags: ['Airline','United','$125 Travel Credit','No FTF'], 1301 guideUrl: '/guides/best-airline-credit-cards-2026' 1302 }, 1303 1304 /* âââ CHASE â UNITED CLUB INFINITE âââ */ 1305 { 1306 id: 'united-club-infinite', cardImage: 'https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/united_club_infinite_card_tilted.png', name: 'Chase United Clubâ Infinite Card', 1307 issuer: 'Chase', network: 'Visa', annualFee: 695, bonusValue: 960, 1308 bonusDesc: '80,000 miles after $5,000 spend in 3 months', bonusShort: '80,000 miles', 1309 bestFor: 'United Premium â Lounge Access', cardScore: 4.6, minScore: 'excellent', 1310 categories: ['travel','airline','bestoffers'], 1311 rates: { travel:4, dining:2, grocery:1, gas:1, online:1, other:1 }, 1312 foreignFee: 'None', rateLabel: '4à United · 2à travel & dining', 1313 applyUrl: 'https://creditcards.chase.com/travel-credit-cards/united/club-infinite', 1314 affiliateUrl: null, 1315 cardArt: { bg: 'linear-gradient(135deg,#0D1B2A 0%,#1B3252 50%,#0A1520 100%)', highlight: 'rgba(0,120,220,.18)' }, 1316 pros: ['United Club lounge membership ($650+ value)','4à miles on United purchases','2à on all other travel & dining','Free first & second checked bags for you + companions','Global Entry/TSA PreCheck credit'], 1317 cons: ['$695 annual fee','Must be a loyal United flyer to justify cost','Limited value if you use other airlines'], 1318 tags: ['Premium','United Club','Airline','No FTF'], 1319 guideUrl: '/guides/best-airline-credit-cards-2026' 1320 }, 1321 1322 /* âââ BANK OF AMERICA â ALASKA AIRLINES âââ */ 1323 { 1324 // No relationshipBonus here on purpose: this co-brand card gets a flat 1325 // +10% bonus for any active BofA/Merrill account, not the tiered 1326 // BofA Rewards program the other 6 BofA cards use â different 1327 // mechanic, unmodeled for now. 1328 id: 'alaska-airlines-visa', cardImage: 'https://www.bankofamerica.com/content/images/ContextualSiteGraphics/CreditCardArt/en_US/Approved_PCM/1bbt_sigcm_v_atmos_ascent_250.png', name: 'Atmos⢠Rewards Ascent Visa Signature®', 1329 issuer: 'Bank of America', network: 'Visa', annualFee: 95, bonusValue: 650, 1330 bonusDesc: '50,000 bonus points + $99 Companion Fare after $1,500 spend in 90 days', bonusShort: '50,000 pts + Companion', 1331 bestFor: 'Alaska Airlines Loyalists', cardScore: 4.5, minScore: 'good', 1332 categories: ['airline','bestoffers'], 1333 rates: { travel:3, dining:1, grocery:1, gas:2, online:1, other:1 }, 1334 foreignFee: 'None', rateLabel: '3à Alaska Airlines purchases', 1335 applyUrl: 'https://www.bankofamerica.com/credit-cards/products/alaska-airlines-credit-card/', 1336 affiliateUrl: null, 1337 cardArt: { bg: 'linear-gradient(135deg,#00558B 0%,#0076B6 50%,#003D6B 100%)', highlight: 'rgba(0,180,240,.18)' }, 1338 pros: ['50,000 pts + companion fare welcome offer','$0 companion fare each account anniversary (pay taxes/fees only)','Free first checked bag for you + up to 6 guests','3à on Alaska Airlines purchases','No foreign transaction fees'], 1339 cons: ['$95 annual fee','Best value requires flying Alaska specifically','Companion fare has blackout dates and restrictions'], 1340 tags: ['Airline','Alaska Airlines','Companion Fare','No FTF'], 1341 guideUrl: '/guides/best-airline-credit-cards-2026' 1342 }, 1343 1344 /* âââ BARCLAYS â JETBLUE PLUS âââ */ 1345 { 1346 id: 'jetblue-plus', cardImage: '/images/cards/jetblue-plus-card.png', name: 'JetBlue Plus Card', 1347 issuer: 'Barclays', network: 'Mastercard', annualFee: 99, bonusValue: 630,
1348 bonusDesc: '70,000 pts after $1,000 spend + paying the annual fee, both in 90 days', bonusShort: '70,000 pts', 1349 bestFor: 'JetBlue Frequent Flyers', cardScore: 4.3, minScore: 'good', 1350 categories: ['airline'], 1351 rates: { travel:6, dining:2, grocery:2, gas:1, online:1, other:1 }, 1352 foreignFee: 'None', rateLabel: '6à JetBlue purchases', 1353 applyUrl: 'https://cards.barclaycardus.com/banking/cards/jetblue-plus-card/', 1354 affiliateUrl: null, 1355 cardArt: { bg: 'linear-gradient(135deg,#0033A0 0%,#003DB5 50%,#001F78 100%)', highlight: 'rgba(0,100,220,.2)' }, 1356 pros: ['6à on JetBlue purchases','50% savings on inflight food & drinks','$100 annual statement credit','5,000 bonus pts each anniversary','Free first checked bag'], 1357 cons: ['$99 annual fee','Best value only if you fly JetBlue regularly','Points not transferable to other programs'], 1358 tags: ['Airline','JetBlue','50% Inflight','No FTF'], 1359 guideUrl: '/guides/best-airline-credit-cards-2026' 1360 }, 1361 1362 /* âââ CHASE â BRITISH AIRWAYS âââ */ 1363 { 1364 id: 'british-airways-visa', cardImage: 'https://bcs.ctfassets.net/8qmz0ef3xzub/5sVcjKIXMv7MsKqmAWo1Fw/7e310e514ade7873cfc282eba5d05776/british_sign_card.png', name: 'British Airways Visa Signature® Card', 1365 issuer: 'Chase', network: 'Visa', annualFee: 95, bonusValue: 600, 1366 bonusDesc: '75,000 Avios after $5,000 spend in 3 months', bonusShort: '75,000 Avios', 1367 bestFor: 'Avios Collectors & Transatlantic Travel', cardScore: 4.2, minScore: 'good', 1368 categories: ['airline','travel'], 1369 rates: { travel:3, dining:2, grocery:1, gas:1, online:1, other:1 }, 1370 foreignFee: 'None', rateLabel: '3à British Airways & Oneworld', 1371 applyUrl: 'https://creditcards.chase.com/travel-credit-cards/avios/british-airways', 1372 affiliateUrl: null, 1373 cardArt: { bg: 'linear-gradient(135deg,#00205B 0%,#003090 50%,#00164A 100%)', highlight: 'rgba(200,40,50,.18)' }, 1374 pros: ['75,000 Avios welcome bonus','3à on British Airways, Iberia & Aer Lingus','Travel Together Ticket at $30k annual spend','No foreign transaction fees','Avios transfer to Alaska, Finnair & more'], 1375 cons: ['$95 annual fee','Avios distance-based pricing can be costly on long-haul','High spend threshold for companion voucher'], 1376 tags: ['Airline','British Airways','Avios','No FTF'], 1377 guideUrl: '/guides/best-airline-credit-cards-2026' 1378 }, 1379 1380 /* âââ CHASE â AEROPLAN âââ */ 1381 { 1382 id: 'aeroplan-chase', cardImage: 'https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/AirCanada_Aeroplan_cardart.png', name: 'Aeroplan® Credit Card', 1383 issuer: 'Chase', network: 'Mastercard', annualFee: 95, bonusValue: 600, 1384 bonusDesc: '60,000 pts after $3,000 spend in 3 months', bonusShort: '60,000 pts', 1385 bestFor: 'Air Canada & Star Alliance Travel', cardScore: 4.5, minScore: 'good', 1386 categories: ['airline','travel'], 1387 rates: { travel:3, dining:3, grocery:1, gas:1, online:1, other:1 }, 1388 foreignFee: 'None', rateLabel: '3à Aeroplan & dining', 1389 applyUrl: 'https://creditcards.chase.com/travel-credit-cards/aircanada/aeroplan', 1390 affiliateUrl: null, 1391 cardArt: { bg: 'linear-gradient(135deg,#AB8D6C 0%,#8F6846 50%,#6B4C35 100%)', highlight: 'rgba(240,215,180,.18)' }, 1392 pros: ['60,000 pts bonus â strong transfer value','3à Aeroplan & dining; 1.5à on everything else over $10k/yr','Free checked bag on Air Canada flights','Star Alliance Gold status path','No foreign transaction fees'], 1393 cons: ['$95 annual fee','Best for Air Canada & Star Alliance flyers','Award space can be limited during peak travel'], 1394 tags: ['Airline','Air Canada','Star Alliance','No FTF'], 1395 guideUrl: '/guides/best-airline-credit-cards-2026' 1396 }, 1397 1398 /* âââ CHASE â AMAZON PRIME âââ */ 1399 { 1400 id: 'amazon-prime-rewards', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/237fd0b0-1ced-11ee-9d05-8969f2172cdd.jpg', name: 'Amazon Prime Rewards Visa Signature Card', 1401 issuer: 'Chase', network: 'Visa', annualFee: 0, bonusValue: 150, 1402 bonusDesc: '$150 Amazon Gift Card instantly upon approval', bonusShort: '$150 Amazon GC', 1403 bestFor: 'Amazon & Whole Foods Shoppers', cardScore: 4.4, minScore: 'good', 1404 categories: ['cashback','nofee'], 1405 rates: { travel:2, dining:2, grocery:1, gas:2, online:5, other:1 }, // 5% is Whole Foods and Amazon only, not groceries in general 1406 foreignFee: 'None', rateLabel: '5% at Amazon & Whole Foods', 1407 applyUrl: 'https://www.chase.com/personal/credit-cards/amazon', 1408 affiliateUrl: null, 1409 cardArt: { bg: 'linear-gradient(135deg,#131921 0%,#232F3E 50%,#0F1924 100%)', highlight: 'rgba(255,153,0,.2)' }, 1410 pros: ['5% at Amazon.com & Whole Foods Market','No annual fee (Prime membership required)','2% at restaurants, gas stations & drugstores','$150 instant gift card on approval','No foreign transaction fees'], 1411 cons: ['Requires active Amazon Prime membership ($139/yr)','Only 1% on all other purchases','No travel perks or transfer partners'], 1412 tags: ['No Annual Fee','5% Amazon','Cash Back','No FTF'], 1413 guideUrl: '/guides/amazon-prime-rewards-visa-review-2026' 1414 }, 1415
1416 /* âââ CHASE â MARRIOTT BONVOY BOLD âââ */ 1417 { 1418 id: 'marriott-bonvoy-bold', cardImage: 'https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/marriott_bonvoy_bold_card_NAF.png', name: 'Marriott Bonvoy Bold® Credit Card', 1419 issuer: 'Chase', network: 'Visa', annualFee: 0, bonusValue: 225, 1420 bonusDesc: '45,000 pts after $1,000 spend in 3 months', bonusShort: '45,000 pts', 1421 bestFor: 'No-Fee Marriott Entry Card', cardScore: 3.9, minScore: 'good', 1422 categories: ['hotel','nofee'], 1423 rates: { travel:3, dining:2, grocery:1, gas:1, online:1, other:1 }, 1424 foreignFee: 'None', rateLabel: '3à Marriott Bonvoy hotels', 1425 applyUrl: 'https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold', 1426 affiliateUrl: null, 1427 cardArt: { bg: 'linear-gradient(135deg,#1A1A2E 0%,#8B0000 60%,#5A0000 100%)', highlight: 'rgba(180,30,30,.2)' }, 1428 pros: ['No annual fee','45,000 Bonvoy pts welcome bonus','3à at Marriott hotels','15 Elite Night Credits per year','No foreign transaction fees'], 1429 cons: ['Only 1à on non-Marriott spending','Silver Elite status only (lowest tier)','Less valuable than Boundless for frequent Marriott guests'], 1430 tags: ['Hotel','Marriott','No Annual Fee','No FTF'], 1431 guideUrl: '/guides/marriott-bonvoy-credit-cards-2026' 1432 }, 1433 1434 /* âââ CHASE â IHG ONE REWARDS TRAVELER âââ */ 1435 { 1436 id: 'ihg-one-rewards-traveler', cardImage: 'https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/ihg-traveler-card.png', name: 'IHG One Rewards Traveler Credit Card', 1437 issuer: 'Chase', network: 'Visa', annualFee: 0, bonusValue: 400, 1438 bonusDesc: '80,000 pts after $2,000 spend in 3 months', bonusShort: '80,000 pts', 1439 bestFor: 'No-Fee IHG Hotel Card', cardScore: 4.0, minScore: 'good', 1440 categories: ['hotel','nofee'], 1441 rates: { travel:3, dining:2, grocery:2, gas:2, online:1, other:1 }, 1442 foreignFee: 'None', rateLabel: '3à IHG hotels · 2à dining & gas', 1443 applyUrl: 'https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/traveler', 1444 affiliateUrl: null, 1445 cardArt: { bg: 'linear-gradient(135deg,#0A3055 0%,#124A80 50%,#062240 100%)', highlight: 'rgba(30,120,200,.2)' }, 1446 pros: ['No annual fee','80,000 pts welcome bonus','3à at IHG Hotels & Resorts','Silver Elite status automatically','No foreign transaction fees'], 1447 cons: ['No 4th Night Free benefit (reserved for Premier)','Limited value outside IHG properties','Points devalue risk with large chain programs'], 1448 tags: ['Hotel','IHG','No Annual Fee','No FTF'], 1449 guideUrl: '/guides/best-hotel-credit-cards-2026' 1450 }, 1451 1452 /* âââ AMERICAN EXPRESS â MARRIOTT BONVOY BUSINESS âââ */ 1453 { 1454 id: 'marriott-bonvoy-business-amex', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/e4a762a0-3ab5-11ed-b73c-91712e8727dd.png', name: 'Marriott Bonvoy Business® American Express® Card', 1455 issuer: 'American Express', network: 'Amex', annualFee: 125, bonusValue: 625, 1456 bonusDesc: 'Up to 125,000 pts â 75,000 after $6,000 + 50,000 after $3,000 more in 6 months', bonusShort: 'Up to 125,000 pts', 1457 bestFor: 'Business Travelers â Marriott', cardScore: 4.2, minScore: 'good', 1458 categories: ['hotel','business'], 1459 rates: { travel:4, dining:4, grocery:2, gas:2, online:2, other:2 }, 1460 foreignFee: 'None', rateLabel: '6à at Marriott hotels', 1461 applyUrl: 'https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/', 1462 affiliateUrl: null, 1463 cardArt: { bg: 'linear-gradient(135deg,#2C1654 0%,#4B1A7A 50%,#1E0F3A 100%)', highlight: 'rgba(160,80,220,.18)' }, 1464 pros: ['Up to 125,000 pts welcome bonus','6à at Marriott; 4à U.S. restaurants & shipping','Gold Elite status automatically','15 Elite Night Credits per year','Free Night Award on each card anniversary'], 1465 cons: ['$125 annual fee','Must use credits and free night to justify cost','Amex Business cards don\'t count toward Chase 5/24'], 1466 tags: ['Hotel','Marriott','Business','No FTF'], 1467 guideUrl: '/guides/marriott-bonvoy-credit-cards-2026' 1468 }, 1469 1470 /* âââ AMERICAN EXPRESS â HILTON HONORS BUSINESS âââ */ 1471 { 1472 id: 'hilton-honors-business-amex', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/65069bf0-ed07-11ee-a39c-cffd4c1d8271.jpeg', name: 'Hilton Honors American Express Business Card', 1473 issuer: 'American Express', network: 'Amex', annualFee: 95, bonusValue: 900, 1474 bonusDesc: '130,000 pts after $6,000 spend in 6 months', bonusShort: '130,000 pts', 1475 bestFor: 'Business Travelers â Hilton', cardScore: 4.3, minScore: 'good', 1476 categories: ['hotel','business'], 1477 rates: { travel:7, dining:5, grocery:3, gas:2, online:3, other:3 }, 1478 foreignFee: 'None', rateLabel: '12à at Hilton hotels', 1479 applyUrl: 'https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/hilton-honors/', 1480 affiliateUrl: null, 1481 cardArt: { bg: 'linear-gradient(135deg,#1A2B5A 0%,#2A4085 50%,#122040 100%)', highlight: 'rgba(60,140,240,.18)' }, 1482 pros: ['130,000 Hilton pts bonus','12à at Hilton hotels','5à at U.S. restaurants, flights & car rentals','Gold Elite status automatically','10 Priority Pass visits per year'], 1483 cons: ['$95 annual fee','Hilton points worth ~0.5¢ each â lower than airline miles','Best only for Hilton loyalists'], 1484 tags: ['Hotel','Hilton','Business','No FTF'], 1485 guideUrl: '/guides/best-business-travel-credit-cards-2026' 1486 }, 1487 1488 /* âââ AMERICAN EXPRESS â DELTA GOLD BUSINESS âââ */ 1489 { 1490 id: 'delta-gold-business-amex', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/1bc66160-601d-11f1-8deb-635978ed6148.png', name: 'Delta SkyMiles® Gold Business American Express Card', 1491 issuer: 'American Express', network: 'Amex', annualFee: 150, bonusValue: 600, 1492 bonusDesc: '60,000 miles after $4,000 spend in 6 months', bonusShort: '60,000 miles', 1493 bestFor: 'Business Flyers â Delta', cardScore: 4.2, minScore: 'good', 1494 categories: ['airline','business'], 1495 rates: { travel:3, dining:2, grocery:2, gas:2, online:1, other:1 }, 1496 foreignFee: 'None', rateLabel: '2à Delta purchases & U.S. shipping',
1497 applyUrl: 'https://www.americanexpress.com/en-us/business/credit-cards/delta-skymiles-gold/', 1498 affiliateUrl: null, 1499 cardArt: { bg: 'linear-gradient(135deg,#9B1B1B 0%,#C42828 50%,#7A1212 100%)', highlight: 'rgba(200,60,60,.18)' }, 1500 pros: ['60,000 mile bonus','$200 Delta flight credit per year','Free first checked bag for you + up to 8 guests','2à at U.S. restaurants, U.S. supermarkets & shipping','Main Cabin 1 boarding'], 1501 cons: ['$150 annual fee','No lounge access','Best for Delta loyalists who check bags'], 1502 tags: ['Airline','Delta','Business','No FTF'], 1503 guideUrl: '/guides/best-business-travel-credit-cards-2026' 1504 }, 1505 1506 /* âââ AMERICAN EXPRESS â DELTA BLUE âââ */ 1507 { 1508 id: 'delta-blue-amex', cardImage: 'https://icm.aexp-static.com/acquisition/card-art/NUS000000386_480x304_straight_withname.png', name: 'Delta SkyMiles® Blue American Express Card', 1509 issuer: 'American Express', network: 'Amex', annualFee: 0, bonusValue: 140, 1510 bonusDesc: '10,000 miles after $1,000 spend in 6 months', bonusShort: '10,000 miles', 1511 bestFor: 'No-Fee Delta Card for Casual Flyers', cardScore: 3.8, minScore: 'fair', 1512 categories: ['airline','nofee'], 1513 rates: { travel:2, dining:2, grocery:1, gas:1, online:1, other:1 }, 1514 foreignFee: 'None', rateLabel: '2à Delta & dining', 1515 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-blue-american-express-card/', 1516 affiliateUrl: null, 1517 cardArt: { bg: 'linear-gradient(135deg,#7A1212 0%,#A01A1A 50%,#5C0E0E 100%)', highlight: 'rgba(200,60,60,.15)' }, 1518 pros: ['No annual fee','2à miles on Delta purchases & dining','No foreign transaction fees','Inflight savings on food & drinks','Easy entry to Delta SkyMiles ecosystem'], 1519 cons: ['Small welcome bonus (10,000 miles)','No checked bag benefit','No lounge access or elite status perks'], 1520 tags: ['Airline','Delta','No Annual Fee','No FTF'], 1521 guideUrl: '/guides/best-airline-credit-cards-2026' 1522 }, 1523 1524 /* âââ CHASE â SOUTHWEST RAPID REWARDS BUSINESS âââ */ 1525 { 1526 id: 'southwest-rapid-rewards-business', cardImage: 'https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/swa_performance_biz_card.png', name: 'Southwest Rapid Rewards® Performance Business Credit Card', 1527 issuer: 'Chase', network: 'Visa', annualFee: 299, bonusValue: 600, 1528 bonusDesc: '80,000 pts after $5,000 spend in 3 months', bonusShort: '80,000 pts', 1529 bestFor: 'Southwest Business Travelers', cardScore: 4.1, minScore: 'good', 1530 categories: ['airline','business'], 1531 rates: { travel:4, dining:3, grocery:2, gas:2, online:2, other:1 }, 1532 foreignFee: 'None', rateLabel: '4à Southwest purchases', 1533 applyUrl: 'https://creditcards.chase.com/business-credit-cards/southwest/performance-business', 1534 affiliateUrl: null, 1535 cardArt: { bg: 'linear-gradient(135deg,#304CB2 0%,#4460CC 50%,#203090 100%)', highlight: 'rgba(60,100,220,.2)' }, 1536 pros: ['80,000 pts bonus â counts toward Companion Pass','4à Southwest purchases','9,000 anniversary pts each year','4 upgraded boardings per year','Inflight WiFi credits ($500/yr value)'], 1537 cons: ['$299 annual fee','Southwest only â no international alliance','Points worth ~1.5¢ via redemption'], 1538 tags: ['Airline','Southwest','Business','Companion Pass'], 1539 guideUrl: '/guides/best-business-travel-credit-cards-2026' 1540 }, 1541 1542 /* âââ BARCLAYS â WYNDHAM EARNER (NO FEE) âââ */ 1543 { 1544 id: 'wyndham-earner', cardImage: 'https://runway-media-production.global.ssl.fastly.net/us/originals/2022/11/Wyndham-Rewards-Earner-Card.jpg', name: 'Wyndham Rewards Earner® Card', 1545 issuer: 'Barclays', network: 'Visa', annualFee: 0, bonusValue: 625, 1546 bonusDesc: 'Up to 75,000 pts â 30,000 after $1,000 in 90 days + 45,000 after $500 at Wyndham in 180 days', bonusShort: 'Up to 75,000 pts', 1547 bestFor: 'No-Fee Wyndham Hotel Card', cardScore: 3.9, minScore: 'good', 1548 categories: ['hotel','nofee'], 1549 rates: { travel:5, dining:2, grocery:1, gas:2, online:1, other:1 }, 1550 foreignFee: '3%', rateLabel: '5à Wyndham & gas', 1551 applyUrl: 'https://cards.barclaycardus.com/banking/cards/wyndham-rewards-earner-card/', 1552 affiliateUrl: null, 1553 cardArt: { bg: 'linear-gradient(135deg,#003865 0%,#005090 50%,#002548 100%)', highlight: 'rgba(0,120,200,.18)' }, 1554 pros: ['No annual fee','Up to 75,000 pts welcome bonus','5à at Wyndham hotels','5à at gas stations','Wyndham Rewards Blue status automatically'], 1555 cons: ['3% foreign transaction fee','Points worth ~1¢ each â less flexible','Best for budget hotel brand loyalists'], 1556 tags: ['Hotel','Wyndham','No Annual Fee'], 1557 guideUrl: '/guides/best-hotel-credit-cards-2026' 1558 }, 1559 1560 /* âââ U.S. BANK â CASH+ âââ */ 1561 { 1562 id: 'usbank-cash-plus', cardImage: 'https://www.usbank.com/content/dam/usbank/en/images/illustrations/card-art/credit-cards/photo-cash-plus-signature-angle-left.png', name: 'U.S. Bank Cash+® Visa Signature® Card', 1563 issuer: 'U.S. Bank', network: 'Visa', annualFee: 0, bonusValue: 200, 1564 bonusDesc: '$200 cash after $1,000 spend in 90 days', bonusShort: '$200 cash', 1565 bestFor: 'Customizable 5% Cash Back', cardScore: 4.4, minScore: 'good', 1566 categories: ['cashback','nofee'], 1567 rates: { travel:2, dining:2, grocery:2, gas:2, online:5, other:1 }, 1568 rateTiers: { among: ['grocery', 'dining', 'gas'], tiers: [2], base: 1 }, // 2% on one everyday category you pick; gas is not a 5% category 1569 foreignFee: '3%', rateLabel: '5% in 2 chosen categories (up to $2k/qtr)', 1570 applyUrl: 'https://www.usbank.com/credit-cards/cash-plus-visa-signature-credit-card.html', 1571 affiliateUrl: null, 1572 cardArt: { bg: 'linear-gradient(135deg,#004B84 0%,#0066AA 50%,#003060 100%)', highlight: 'rgba(0,140,220,.18)' }, 1573 pros: ['5% on 2 categories of your choice each quarter','2% on 1 everyday category (grocery, gas, or dining)','$200 cash bonus on approval','No annual fee','Categories include utilities, home improvement, electronics'], 1574 cons: ['3% foreign transaction fee','5% capped at $2,000 per quarter','Must select categories each quarter or default to 1%'], 1575 tags: ['No Annual Fee','5% Custom','Cash Back','Customizable'], 1576 guideUrl: '/guides/usbank-cash-plus-review-2026' 1577 }, 1578 { 1579 id: 'usbank-smartly-visa-signature', cardImage: 'https://www.usbank.com/content/dam/usbank/en/images/illustrations/card-art/credit-cards/photo-smartly-visa-angle-left.png', name: 'U.S. Bank Smartly⢠Visa Signature® Card', 1580 issuer: 'U.S. Bank', network: 'Visa', annualFee: 0, bonusValue: 0, 1581 relationshipBonus: { issuer: 'U.S. Bank', program: 'Smartly Rewards' }, 1582 bonusDesc: 'No welcome bonus currently offered', bonusShort: 'No bonus', 1583 bestFor: 'Relationship-Boosted Flat Cash Back', cardScore: 4.0, minScore: 'good', 1584 categories: ['cashback','nofee'], 1585 rates: { travel:2, dining:2, grocery:2, gas:2, online:2, other:2 }, 1586 foreignFee: '3%', rateLabel: '2% cash back on everything (up to 4% with a qualifying U.S. Bank relationship
1586)', 1587 applyUrl: 'https://www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html', 1588 affiliateUrl: null, 1589 cardArt: { bg: 'linear-gradient(135deg,#00335C 0%,#004B84 50%,#00253F 100%)', highlight: 'rgba(0,120,200,.18)' }, 1590 pros: ['Unlimited 2% cash back on every purchase, no categories to track','No annual fee','Smartly Rewards relationship bonus boosts earn rate up to 4% based on combined U.S. Bank balances','No cap on base rewards'], 1591 cons: ['3% foreign transaction fee','No traditional welcome bonus','Best value requires a qualifying U.S. Bank Smartly Checking/Savings relationship'], 1592 tags: ['No Annual Fee','Flat 2%','Cash Back','Relationship Bonus'], 1593 guideUrl: '/guides/usbank-smartly-visa-review-2026' 1594 }, 1595 1596 /* âââ FIDELITY â REWARDS VISA âââ */ 1597 { 1598 id: 'fidelity-rewards-visa', cardImage: 'https://www.fidelity.com/bin-public/060_www_fidelity_com/images/cash-management/cc-hero.png', name: 'Fidelity® Rewards Visa Signature® Card', 1599 issuer: 'Elan Financial', network: 'Visa', annualFee: 0, bonusValue: 0, 1600 bonusDesc: 'No welcome bonus â unlimited 2% cash back deposited to an eligible Fidelity account', bonusShort: 'No Bonus', 1601 bestFor: 'Simple Flat 2% Cash Back', cardScore: 4.2, minScore: 'good', 1602 categories: ['cashback','nofee'], 1603 rates: { travel:2, dining:2, grocery:2, gas:2, online:2, other:2 }, 1604 foreignFee: '1%', rateLabel: '2% on every purchase', 1605 applyUrl: 'https://www.fidelity.com/cash-management/visa-signature-card', 1606 affiliateUrl: null, 1607 cardArt: { bg: 'linear-gradient(135deg,#3A5F0B 0%,#537A1A 50%,#2B4507 100%)', highlight: 'rgba(100,180,20,.18)' }, 1608 pros: ['Unlimited 2% on every purchase','No annual fee','Rewards deposited directly into Fidelity account','No cap on cash back earnings','Simple â no categories to track'], 1609 cons: ['Requires a Fidelity account for maximum rewards','1% foreign transaction fee','No travel perks or transfer partners'], 1610 tags: ['No Annual Fee','Flat 2%','Cash Back','Simple'], 1611 guideUrl: '/guides/fidelity-rewards-visa-review-2026' 1612 }, 1613 1614 /* âââ CITI â DIAMOND PREFERRED âââ */ 1615 { 1616 id: 'citi-diamond-preferred', cardImage: 'https://aemapi.citi.com/content/dam/cfs/uspb/usmkt/cards/en/static/images/citi-diamond-preferred-credit-card/citi-diamond-preferred-credit-card_306x192.webp', name: 'Citi® Diamond Preferred® Card', 1617 issuer: 'Citi', network: 'Mastercard', annualFee: 0, bonusValue: 0, 1618 bonusDesc: 'No welcome bonus â 0% intro APR for 21 months on balance transfers', bonusShort: '0% APR 21 mo.', 1619 bestFor: 'Long Balance Transfer Window', cardScore: 4.1, minScore: 'good', 1620 categories: ['balancetransfer','nofee'], 1621 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 1622 foreignFee: '3%', rateLabel: '1à on all purchases', 1623 applyUrl: 'https://www.citi.com/credit-cards/citi-diamond-preferred-credit-card', 1624 affiliateUrl: null, 1625 cardArt: { bg: 'linear-gradient(135deg,#2C2C3E 0%,#3D3D55 50%,#1A1A2E 100%)', highlight: 'rgba(180,180,240,.15)' }, 1626 pros: ['0% intro APR for 21 months on balance transfers','0% intro APR for 12 months on purchases','No annual fee','$5 min or 3% balance transfer fee (lower than average)','Citi ID Theft Protection included'], 1627 cons: ['No rewards program','3% foreign transaction fee','21-month 0% rate requires good-excellent credit'], 1628 tags: ['No Annual Fee','0% APR 21 Mo','Balance Transfer'], 1629 guideUrl: '/guides/citi-diamond-preferred-review-2026' 1630 }, 1631 1632 /* âââ U.S. BANK â SHIELD VISA âââ */ 1633 // Replaced the Visa Platinum for new applicants on 2025-03-17. Earns only on 1634 // prepaid travel booked in the U.S. Bank Travel Center; the 1s below follow the 1635 // convention for no-rewards cards (see citi-diamond-preferred, chase-slate). 1636 { 1637 id: 'usbank-shield-visa', cardImage: 'https://www.usbank.com/content/dam/usbank/en/images/illustrations/card-art/credit-cards/photo-shield-visa-angle-left.png', name: 'U.S. Bank Shield® Visa® Card', 1638 issuer: 'U.S. Bank', network: 'Visa', annualFee: 0, bonusValue: 0, 1639 bonusDesc: 'No welcome bonus â 0% intro APR for 21 billing cycles on purchases & balance transfers', bonusShort: '0% APR 21 cycles', 1640 bestFor: 'Long 0% Purchase & Balance Transfer APR', cardScore: 4.1, minScore: 'good', 1641 categories: ['balancetransfer','nofee'], 1642 rates: { travel:4, dining:1, grocery:1, gas:1, online:1, other:1 }, 1643 foreignFee: '3%', rateLabel: '4% back on prepaid travel booked in the U.S. Bank Travel Center', 1644 applyUrl: 'https://www.usbank.com/credit-cards/shield-visa-credit-card.html', 1645 affiliateUrl: null, 1646 cardArt: { bg: 'linear-gradient(135deg,#0C2074 0%,#1A3A9E 50%,#071450 100%)', highlight: 'rgba(100,160,240,.15)' }, 1647 pros: ['0% intro APR for 21 billing cycles on purchases & balance transfers','No annual fee','4% back on prepaid air, hotel & car booked in the U.S. Bank Travel Center','$20 annual statement credit after 11 consecutive months of purchases','Cell phone protection up to $600 when you pay your phone bill with the card'], 1648 cons: ['Earns nothing outside the Travel Center','5% balance transfer fee ($5 minimum)','3% foreign transaction fee','No welcome bonus'], 1649 tags: ['No Annual Fee','0% APR 21 Cycles','Balance Transfer','Cell Protection'], 1650 guideUrl: '/guides/usbank-shield-visa-review-2026' 1651 }, 1652 1653 /* âââ BANK OF AMERICA â PREMIUM REWARDS âââ */ 1654 { 1655 id: 'bofa-premium-rewards', cardImage: 'https://www.bankofamerica.com/content/images/ContextualSiteGraphics/CreditCardArt/en_US/Approved_PCM/bofa_prmsigcm_255x158.png', name: 'Bank of America® Premium Rewards® Credit Card', 1656 issuer: 'Bank of America', network: 'Visa', annualFee: 95, bonusValue: 500, 1657 relationshipBonus: { issuer: 'Bank of America', program: 'BofA Rewards' }, 1658 bonusDesc: '60,000 pts after $4,000 spend in 90 days', bonusShort: '60,000 pts', 1659 bestFor: 'BofA Preferred Rewards Members', cardScore: 4.3, minScore: 'good', 1660 categories: ['travel','bestoffers'], 1661 rates: { travel:2, dining:2, grocery:1.5, gas:1.5, online:1.5, other:1.5 }, 1662 foreignFee: 'None', rateLabel: '2à travel & dining (up to 3.5à with Preferred Rewards)', 1663 applyUrl: 'https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/', 1664 affiliateUrl: null, 1665 cardArt: { bg: 'linear-gradient(135deg,#8B0000 0%,#A81010 50%,#6A0000 100%)', highlight: 'rgba(200,30,30,.18)' }, 1666 pros: ['60,000 pts ($600 value) welcome bonus','2à travel & dining; 1.5à on everything else','$100 airline incidental credit + $100 Global Entry credit','Preferred Rewards multiplies earn rate up to 3.5Ã','No foreign transaction fees'], 1667 cons: ['$95 annual fee','Best value requires BofA banking relationship (Preferred Rewards)','No transfer partners â points redeemable at fixed 1¢ value'], 1668 tags: ['Travel','Dining 2Ã','No FTF','$100 Air Credit'], 1669 guideUrl: '/guides/bofa-premium-rewards-review-2026' 1670 }, 1671 1672 /* âââ WELLS FARGO â CHOICE PRIVILEGES âââ */ 1673 { 1674 id: 'choice-privileges-select', cardImage: 'https://upgradedpoints.com/wp-content/uploads/2023/08/WF_Choice_Fee_Card_Hero.png', name: 'Choice Privileges® Select Mastercard®', 1675 issuer: 'Wells Fargo', network: 'Mastercard', annualFee: 0, bonusValue: 450, 1676 bonusDesc: '60,000 pts after $3,000 spend in 3 months', bonusShort: '60,000 pts', 1677 bestFor: 'Choice Hotels Loyalists', cardScore: 3.7, minScore: 'good', 1678 categories: ['hotel','nofee'], 1679 rates: { travel:5, dining:2, grocery:1, gas:2, online:1, other:1 }, 1680 foreignFee: '3%', rateLabel: '5à at Choice Hotels', 1681 applyUrl: 'https://creditcards.wellsfargo.com/choice-hotels-privileges-select-mastercard/', 1682 affiliateUrl: null, 1683 cardArt: { bg: 'linear-gradient(135deg,#1E5C1E 0%,#2E7A2E 50%,#154015 100%)', highlight: 'rgba(60,180,60,.15)' }, 1684 pros: ['No annual fee','Up to 60,000 pts welcome bonus','5à at Choice Hotels properties','Gold Elite status with first use','Complimentary upgrade on arrival (when available)'], 1685 cons: ['3% foreign transaction fee','Choice Hotels is a budget/mid-scale chain','Points not transferable to airline programs'], 1686 tags: ['Hotel','Choice Hotels','No Annual Fee'], 1687 guideUrl: '/guides/best-hotel-credit-cards-2026' 1688 }, 1689 1690 /* âââ CAPITAL ONE â SPARK MILES âââ */ 1691 {
1692 id: 'capital-one-spark-miles', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/99b583a0-ff6d-11eb-bb36-9183285abe2c.png', name: 'Capital One Venture Business', 1693 issuer: 'Capital One', network: 'Visa', annualFee: 95, bonusValue: 1000, 1694 bonusDesc: '100,000 miles after $10,000 spend in 3 months', bonusShort: '100,000 miles', 1695 bestFor: 'Business Travel Flat-Rate Miles', cardScore: 4.2, minScore: 'good', 1696 categories: ['travel','business'], 1697 rates: { travel:5, dining:2, grocery:2, gas:2, online:2, other:2 }, 1698 foreignFee: 'None', rateLabel: '2à on every purchase', 1699 applyUrl: 'https://www.capitalone.com/small-business/credit-cards/venture-business/', 1700 affiliateUrl: null, 1701 cardArt: { bg: 'linear-gradient(135deg,#B00000 0%,#D4000A 50%,#900000 100%)', highlight: 'rgba(255,80,80,.18)' }, 1702 pros: ['2à miles on every business purchase','100,000 mile welcome bonus','Transfer to 15+ travel partners','$100 Global Entry/TSA PreCheck credit','No foreign transaction fees'], 1703 cons: ['$95 annual fee','Fixed 2à rate â specialists may earn more in categories','No lounge access'], 1704 tags: ['Business','Travel','Flat 2Ã','No FTF'], 1705 guideUrl: '/guides/capital-one-venture-business-review-2026' 1706 }, 1707 1708 /* âââ CAPITAL ONE â SPARK CASH SELECT âââ */ 1709 { 1710 id: 'capital-one-spark-cash-select', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/b5e64fa0-ff6d-11eb-97b1-37a1bb7c2537.png', name: 'Capital One Spark Cash Select for Business', 1711 issuer: 'Capital One', network: 'Visa', annualFee: 0, bonusValue: 750, 1712 bonusDesc: '$750 cash after $6,000 spend in 3 months', bonusShort: '$750 cash', 1713 bestFor: 'No-Fee Business Cash Back', cardScore: 4.0, minScore: 'good', 1714 categories: ['cashback','business','nofee'], 1715 rates: { travel:5, dining:1.5, grocery:1.5, gas:1.5, online:1.5, other:1.5 }, 1716 foreignFee: 'None', rateLabel: '1.5% on every purchase', 1717 applyUrl: 'https://www.capitalone.com/small-business/credit-cards/spark-cash-select/', 1718 affiliateUrl: null, 1719 cardArt: { bg: 'linear-gradient(135deg,#1A5C1A 0%,#2E7A2E 50%,#0F400F 100%)', highlight: 'rgba(60,200,60,.18)' }, 1720 pros: ['No annual fee','1.5% cash back on all business purchases','$750 cash bonus welcome offer','No foreign transaction fees','5% on hotels & rental cars via Capital One Travel'], 1721 cons: ['1.5% base rate â below some personal cards','No transfer partners','No lounge access or travel credits'], 1722 tags: ['Business','No Annual Fee','Flat 1.5%','No FTF'], 1723 guideUrl: '/guides/capital-one-spark-cash-select-review-2026' 1724 }, 1725 1726 /* âââ AMERICAN EXPRESS â DELTA PLATINUM BUSINESS âââ */ 1727 { 1728 id: 'delta-platinum-business-amex', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/e7d25550-601f-11f1-8ed2-fb8ea6d5f958.png', name: 'Delta SkyMiles® Platinum Business American Express Card', 1729 issuer: 'American Express', network: 'Amex', annualFee: 350, bonusValue: 700, 1730 bonusDesc: '70,000 miles after $6,000 spend in 6 months', bonusShort: '70,000 miles', 1731 bestFor: 'Delta Business Mid-Tier', cardScore: 4.3, minScore: 'good', 1732 categories: ['airline','business','bestoffers'], 1733 rates: { travel:3, dining:3, grocery:2, gas:1, online:1, other:1 }, 1734 foreignFee: 'None', rateLabel: '3à Delta & U.S. hotel purchases',
1735 applyUrl: 'https://www.americanexpress.com/en-us/business/credit-cards/delta-skymiles-platinum/', 1736 affiliateUrl: null, 1737 cardArt: { bg: 'linear-gradient(135deg,#9B1B1B 0%,#C42828 50%,#7A1212 100%)', highlight: 'rgba(200,60,60,.2)' }, 1738 pros: ['70,000 mile welcome bonus','Annual Companion Certificate (domestic round-trip)','3à Delta & hotel purchases','$2,500 MQD Headstart each year','Free first checked bag for you + 8 guests'], 1739 cons: ['$350 annual fee','Must be Delta loyalist to maximize value','Companion cert has flight restrictions'], 1740 tags: ['Airline','Delta','Business','Companion Cert'], 1741 guideUrl: '/guides/best-business-travel-credit-cards-2026' 1742 }, 1743 1744 /* âââ AMERICAN EXPRESS â DELTA RESERVE BUSINESS âââ */ 1745 { 1746 id: 'delta-reserve-business-amex', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/c0d9cd90-6022-11f1-8ed2-fb8ea6d5f958.png', name: 'Delta SkyMiles® Reserve Business American Express Card', 1747 issuer: 'American Express', network: 'Amex', annualFee: 650, bonusValue: 1200, 1748 bonusDesc: '80,000 miles after $12,000 spend in 6 months', bonusShort: '80,000 miles', 1749 bestFor: 'Delta Business Premium â Delta One Lounge', cardScore: 4.5, minScore: 'excellent', 1750 categories: ['airline','business'], 1751 rates: { travel:4, dining:1.5, grocery:1, gas:1, online:1, other:1 }, 1752 foreignFee: 'None', rateLabel: '3à Delta business purchases',
1753 applyUrl: 'https://www.americanexpress.com/en-us/business/credit-cards/delta-skymiles-reserve/', 1754 affiliateUrl: null, 1755 cardArt: { bg: 'linear-gradient(135deg,#1A1A1A 0%,#2D2D2D 50%,#9B1B1B 100%)', highlight: 'rgba(200,60,60,.18)' }, 1756 pros: ['Delta Sky Club lounge access when flying Delta','Annual Companion Certificate (Domestic First Class)','10,000 MQM headstart','3à Delta purchases; 1.5à everything else','Global Entry/TSA PreCheck credit'], 1757 cons: ['$650 annual fee','Sky Club access now limited to flights booked with card','Requires significant Delta loyalty to justify cost'], 1758 tags: ['Airline','Delta','Business','Premium','Delta Sky Club'], 1759 guideUrl: '/guides/best-business-travel-credit-cards-2026' 1760 }, 1761 1762 /* âââ CHASE â UNITED BUSINESS âââ */ 1763 { 1764 id: 'united-business-card', cardImage: 'https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/united_biz_card_tilted.png', name: 'Unitedâ Business Card', 1765 issuer: 'Chase', network: 'Visa', annualFee: 150, bonusValue: 667, 1766 bonusDesc: '100,000 miles after $5,000 spend in 3 months + 10,000 after adding an employee card', bonusShort: 'Up to 110,000 miles', 1767 bestFor: 'Business Travelers â United', cardScore: 4.1, minScore: 'good', 1768 categories: ['airline','business'], 1769 rates: { travel:3, dining:2, grocery:1, gas:2, online:2, other:1 }, 1770 foreignFee: 'None', rateLabel: '2à United & gas', 1771 applyUrl: 'https://creditcards.chase.com/business-credit-cards/united/united-business-card', 1772 affiliateUrl: null, 1773 cardArt: { bg: 'linear-gradient(135deg,#003087 0%,#0A3D91 50%,#001E6B 100%)', highlight: 'rgba(0,100,200,.2)' }, 1774 pros: ['100,000 mile welcome bonus','Free first & second checked bags','2 United Club one-time passes per year','$100 United credit after 7 United flight purchases','5,000 bonus miles each anniversary when you hold both United personal & biz cards'], 1775 cons: ['$150 annual fee','Best value for United-loyal business travelers','No lounge membership (only 2 annual passes)'], 1776 tags: ['Airline','United','Business','No FTF'], 1777 guideUrl: '/guides/best-business-travel-credit-cards-2026' 1778 }, 1779 1780 /* âââ CHASE â INK BUSINESS PREMIER âââ */ 1781 { 1782 id: 'ink-business-premier', cardImage: 'https://images.ctfassets.net/8qmz0ef3xzub/6y5yPz2KKJzGcPqYEioJTQ/7bf371b6c88073f5699457fc5b8a8a7a/ink_business_premier_card.png', name: 'Ink Business Premier® Credit Card', 1783 issuer: 'Chase', network: 'Visa', annualFee: 195, bonusValue: 1000, 1784 bonusDesc: '$1,000 cash after $10,000 spend in 3 months', bonusShort: '$1,000 cash', 1785 bestFor: 'High Spend Business â 2.5% on Large Purchases', cardScore: 4.2, minScore: 'excellent', 1786 categories: ['cashback','business'], 1787 rates: { travel:5, dining:2.5, grocery:2, gas:2, online:2.5, other:2 }, 1788 foreignFee: 'None', rateLabel: '2.5% on purchases over $5,000', 1789 applyUrl: 'https://creditcards.chase.com/business-credit-cards/ink/premier', 1790 affiliateUrl: null, 1791 cardArt: { bg: 'linear-gradient(135deg,#1A1A1A 0%,#2D2D2D 50%,#1A1A1A 100%)', highlight: 'rgba(201,168,76,.2)' }, 1792 pros: ['2.5% on purchases of $5,000 or more per transaction','2% on all other purchases','$1,000 bonus on $10k spend','5% on travel via Chase portal','No foreign transaction fees'], 1793 cons: ['$195 annual fee','This is a charge card â full balance due monthly','High spend threshold for bonus'], 1794 tags: ['Business','Cash Back','Premium','No FTF'], 1795 guideUrl: '/guides/ink-business-premier-review-2026' 1796 }, 1797 1798 /* âââ CITI â AADVANTAGE EXECUTIVE âââ */ 1799 { 1800 id: 'citi-aadvantage-executive', cardImage: 'https://aemapi.citi.com/content/dam/cfs/uspb/usmkt/cards/en/static/images/citi-aadvantage-executive-credit-card/citi-aadvantage-executive-credit-card_306x192.webp', name: 'Citi® / AAdvantage® Executive World Legend Mastercard®', 1801 issuer: 'Citi', network: 'Mastercard', annualFee: 695, bonusValue: 560, 1802 bonusDesc: '70,000 miles after $7,000 spend in 3 months', bonusShort: '70,000 miles', 1803 bestFor: 'American Airlines Premium â Admirals Club', cardScore: 4.4, minScore: 'excellent', 1804 categories: ['airline','bestoffers'], 1805 rates: { travel:4, dining:1, grocery:1, gas:1, online:1, other:1 }, 1806 foreignFee: 'None', rateLabel: '4à American Airlines & AA partner purchases', 1807 applyUrl: 'https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard', 1808 affiliateUrl: null, 1809 cardArt: { bg: 'linear-gradient(135deg,#C41E3A 0%,#D42040 50%,#960015 100%)', highlight: 'rgba(200,40,40,.2)' }, 1810 pros: ['Admirals Club lounge membership ($800+ value)','70,000 mile welcome bonus','4à on American Airlines purchases','Global Entry/TSA PreCheck credit','25 Elite Qualifying Miles per $1 spent'], 1811 cons: ['$695 annual fee','Requires heavy AA use to justify cost','Admirals Club now limited on partner airlines'], 1812 tags: ['Premium','Airline','American Airlines','Admirals Club','No FTF'], 1813 guideUrl: '/guides/best-airline-credit-cards-2026' 1814 }, 1815 1816 /* âââ WELLS FARGO â AUTOGRAPH JOURNEY âââ */ 1817 { 1818 id: 'wells-fargo-autograph-journey', cardImage: 'https://www.wellsfargo.com/rv/assets/production/b3d4e8b68fb7bba5928760be851dca0b9159366f/autograph-journey.CX8QRJ3I_2omVqE.webp', name: 'Wells Fargo Autograph Journeyâ Card', 1819 issuer: 'Wells Fargo', network: 'Visa', annualFee: 95, bonusValue: 600, 1820 bonusDesc: '60,000 pts after $4,000 spend in 3 months', bonusShort: '60,000 pts', 1821 bestFor: 'Travel Rewards with Hotel & Airline Transfer', cardScore: 4.2, minScore: 'good', 1822 categories: ['travel'],
1823 rates: { travel:5, dining:3, grocery:1, gas:1, online:1, other:1 }, 1824 foreignFee: 'None', rateLabel: '5à hotels · 4à airlines · 3à dining', 1825 applyUrl: 'https://creditcards.wellsfargo.com/autograph-journey-visa-credit-card', 1826 affiliateUrl: null, 1827 cardArt: { bg: 'linear-gradient(135deg,#B8860B 0%,#D4A020 50%,#8A6208 100%)', highlight: 'rgba(220,170,30,.18)' }, 1828 pros: ['5à on hotels, 4à on airlines, 3à on dining','60,000 pts welcome bonus','Transfer to 11 airline & hotel partners','$50 annual airline credit','No foreign transaction fees'], 1829 cons: ['$95 annual fee','Transfer partners are less recognizable than Chase/Amex'], 1830 tags: ['Travel','Hotels 5Ã','Dining 3Ã','No FTF'], 1831 guideUrl: '/guides/wells-fargo-autograph-journey-review-2026' 1832 }, 1833 1834 /* âââ U.S. BANK â ALTITUDE GO âââ */ 1835 { 1836 id: 'usbank-altitude-go', cardImage: 'https://www.usbank.com/content/dam/usbank/en/images/illustrations/card-art/credit-cards/photo-altitude-go-angle-left.png', name: 'U.S. Bank Altitude® Go Visa Signature® Card', 1837 issuer: 'U.S. Bank', network: 'Visa', annualFee: 0, bonusValue: 200, 1838 bonusDesc: '20,000 pts ($200) after $1,000 spend in 90 days', bonusShort: '20,000 pts', 1839 bestFor: 'No-Fee Dining & Delivery Rewards', cardScore: 4.2, minScore: 'good', 1840 categories: ['dining','cashback','nofee'], 1841 rates: { travel:4, dining:4, grocery:2, gas:2, online:2, other:1 }, 1842 foreignFee: 'None', rateLabel: '4à dining, delivery & takeout', 1843 applyUrl: 'https://www.usbank.com/credit-cards/altitude-go-visa-signature-credit-card.html', 1844 affiliateUrl: null, 1845 cardArt: { bg: 'linear-gradient(135deg,#004B84 0%,#0066AA 50%,#003060 100%)', highlight: 'rgba(0,140,220,.18)' }, 1846 pros: ['4à on dining, delivery apps & takeout','No annual fee','$15 annual streaming credit (Netflix, Spotify, etc.)','2à at grocery stores, gas & EV charging','No foreign transaction fees'], 1847 cons: ['Points redeemed at fixed 1¢ â no transfer partners','Only 1à on most non-dining purchases'], 1848 tags: ['No Annual Fee','Dining 4Ã','Cash Back','No FTF'], 1849 guideUrl: '/guides/usbank-altitude-go-review-2026' 1850 }, 1851 1852 /* âââ USAA â RATE ADVANTAGE âââ */ 1853 { 1854 id: 'usaa-rate-advantage-visa', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/ae7ed4e0-50be-11ee-a7fb-7da2d16d2510.jpg', name: 'USAA® Rate Advantage Visa Platinum® Card', 1855 issuer: 'USAA', network: 'Visa', annualFee: 0, bonusValue: 0, 1856 bonusDesc: 'No welcome bonus â lowest APR option for USAA members', bonusShort: 'No Bonus', 1857 bestFor: 'Military Families â Low APR', cardScore: 4.0, minScore: 'fair', 1858 categories: ['nofee'], 1859 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 1860 foreignFee: 'None', rateLabel: '1à on all purchases', 1861 applyUrl: 'https://www.usaa.com/inet/wc/bank-credit-cards-rate-advantage', 1862 affiliateUrl: null, 1863 cardArt: { bg: 'linear-gradient(135deg,#003087 0%,#004AAD 50%,#001E60 100%)', highlight: 'rgba(0,100,200,.2)' }, 1864 pros: ['USAA\'s lowest APR card â ideal for carrying a balance','No annual fee','No foreign transaction fees','Deployment rate reduction benefits for servicemembers','USAA\'s strong customer service for military families'], 1865 cons: ['No rewards program','Only available to military members, veterans & eligible family','No welcome bonus'], 1866 tags: ['No Annual Fee','Military','Low APR','No FTF'], 1867 guideUrl: '/guides/usaa-rate-advantage-review-2026' 1868 }, 1869 1870 /* âââ PENFED â PLATINUM REWARDS âââ */ 1871 { 1872 id: 'penfed-platinum-rewards', cardImage: 'https://cdn.wallethub.com/common/product/images/creditcards/500/penfed-platinum-rewards-1809670c.png', name: 'PenFed Platinum Rewards Visa Signature® Card', 1873 issuer: 'PenFed', network: 'Visa', annualFee: 0, bonusValue: 100, 1874 bonusDesc: '15,000 pts after $1,500 spend in 90 days', bonusShort: '15,000 pts', 1875 bestFor: 'Gas & Groceries â Credit Union', cardScore: 4.1, minScore: 'good', 1876 categories: ['cashback','gas','nofee'], 1877 rates: { travel:1, dining:3, grocery:3, gas:5, online:1, other:1 }, 1878 foreignFee: 'None', rateLabel: '5à gas · 3à grocery & dining', 1879 applyUrl: 'https://www.penfed.org/credit-cards/platinum-rewards-visa', 1880 affiliateUrl: null, 1881 cardArt: { bg: 'linear-gradient(135deg,#002D6B 0%,#003C8F 50%,#001A4A 100%)', highlight: 'rgba(0,100,200,.18)' }, 1882 pros: ['5à points at gas stations and EV charging','3à at grocery stores and dining','No annual fee','No foreign transaction fees','Credit union â typically strong member service'], 1883 cons: ['PenFed membership required (anyone can join)','Points redeemed for gift cards or travel â no cash back','15,000 pt bonus is relatively small'], 1884 tags: ['No Annual Fee','Gas 5Ã','Groceries 3Ã','No FTF','Credit Union'], 1885 guideUrl: '/guides/penfed-platinum-rewards-review-2026' 1886 }, 1887 1888 /* âââ CITI â COSTCO ANYWHERE VISA âââ */ 1889 { 1890 id: 'costco-anywhere-visa', cardImage: 'https://upgradedpoints.com/wp-content/uploads/2020/11/Costco-Anywhere-Visa-by-Citi-Card-Art-1-19-25-2.png', name: 'Costco Anywhere Visa® Card by Citi', 1891 issuer: 'Citi', network: 'Visa', annualFee: 0, bonusValue: 0,
1892 bonusDesc: 'No welcome bonus â exclusive benefit for Costco members', bonusShort: 'No Bonus', 1893 bestFor: 'Costco Members â Gas & Dining', cardScore: 4.3, minScore: 'good', 1894 categories: ['cashback','gas','nofee'], 1895 rates: { travel:3, dining:3, grocery:1, gas:4, online:1, other:1 }, // 5% is Costco gas only; 4% everywhere else 1896 foreignFee: 'None', rateLabel: '5% gas at Costco · 4% other gas/EV · 3% dining & travel · 2% Costco', 1897 note: 'Requires a paid Costco membership, $65 a year or more. That cost is not in the figure above.', 1898 applyUrl: 'https://www.costco.com/credit-card.html', 1899 affiliateUrl: null, 1900 cardArt: { bg: 'linear-gradient(135deg,#0033A0 0%,#0044CC 50%,#002080 100%)', highlight: 'rgba(0,100,220,.18)' }, 1901 pros: ['5% on gas at Costco, 4% on other gas and EV charging (combined $7,000/yr cap, then 1%)','3% at restaurants and eligible travel, including Costco Travel','2% on other Costco and Costco.com purchases','No annual fee (Costco membership required)','No foreign transaction fees'], 1902 cons: ['Requires Costco membership ($65+/yr)','Cash back paid once a year as certificate redeemable at Costco','No welcome bonus'], 1903 tags: ['No Annual Fee','Gas 5%','Cash Back','No FTF'], 1904 guideUrl: '/guides/costco-anywhere-visa-review-2026' 1905 }, 1906 1907 /* âââ BARCLAYS â FRONTIER AIRLINES âââ */ 1908 { 1909 id: 'frontier-airlines-mastercard', cardImage: '/images/cards/frontier-airlines-world-mastercard.png', name: 'Frontier Airlines World Mastercard®', 1910 issuer: 'Barclays', network: 'Mastercard', annualFee: 99, bonusValue: 360, 1911 bonusDesc: 'Up to 60,000 miles â 50,000 after $500 spend + paying the annual fee in 90 days, plus 10,000 for adding an authorized user who makes a purchase in 90 days', bonusShort: 'Up to 60,000 miles', 1912 bestFor: 'Frontier Airlines Budget Flyers', cardScore: 3.8, minScore: 'good', 1913 categories: ['airline'], 1914 rates: { travel:5, dining:3, grocery:1, gas:1, online:1, other:1 }, 1915 foreignFee: '3%', rateLabel: '5à Frontier purchases', 1916 applyUrl: 'https://cards.barclaycardus.com/banking/cards/frontier-airlines-world-mastercard/', 1917 affiliateUrl: null, 1918 cardArt: { bg: 'linear-gradient(135deg,#00805C 0%,#00A876 50%,#005C42 100%)', highlight: 'rgba(0,200,140,.18)' }, 1919 pros: ['50,000 miles after just $500 spend (+10,000 for adding an authorized user)','5à on Frontier purchases','3à on dining','Redemption for free Frontier flights','Seat discount benefit'], 1920 cons: ['$99 annual fee','3% foreign transaction fee','Frontier is a budget airline â limited routes'], 1921 tags: ['Airline','Frontier','Budget Travel'], 1922 guideUrl: '/guides/best-airline-credit-cards-2026' 1923 }, 1924 1925 /* âââ BARCLAYS â JETBLUE BUSINESS âââ */ 1926 { 1927 id: 'jetblue-business-card', cardImage: 'https://runway-media-production.global.ssl.fastly.net/us/originals/2024/05/JetBlue-Business-Credit-Card.jpg', name: 'JetBlue Business Card', 1928 issuer: 'Barclays', network: 'Mastercard', annualFee: 99, bonusValue: 333, 1929 bonusDesc: '50,000 pts after $4,000 spend + annual fee paid in 90 days', bonusShort: '50,000 pts', 1930 bestFor: 'JetBlue Business Travelers', cardScore: 4.0, minScore: 'good', 1931 categories: ['airline','business'], 1932 rates: { travel:6, dining:2, grocery:2, gas:2, online:2, other:1 }, 1933 foreignFee: 'None', rateLabel: '6à JetBlue purchases', 1934 applyUrl: 'https://cards.barclaycardus.com/banking/cards/jetblue-business-card/', 1935 affiliateUrl: null, 1936 cardArt: { bg: 'linear-gradient(135deg,#0033A0 0%,#003DB5 50%,#001F78 100%)', highlight: 'rgba(0,100,220,.2)' }, 1937 pros: ['6à on JetBlue purchases','50,000 pt welcome bonus','50% savings on inflight food & drinks','Free first checked bag','5,000 anniversary pts each year'], 1938 cons: ['$99 annual fee','Best value for JetBlue-loyal businesses only','Points not transferable to other airline programs'], 1939 tags: ['Airline','JetBlue','Business','No FTF'], 1940 guideUrl: '/guides/best-business-travel-credit-cards-2026' 1941 }, 1942 1943 /* âââ CREDIT ONE â PLATINUM VISA âââ */ 1944 { 1945 id: 'credit-one-platinum-visa', cardImage: 'https://cdn.wallethub.com/common/product/images/creditcards/500/credit-one-platinum-1836676c.png', name: 'Credit One Platinum Visa® for Rebuilding Credit', 1946 issuer: 'Credit One Bank', network: 'Visa', annualFee: 75, bonusValue: 0, 1947 bonusDesc: 'No welcome bonus â designed for fair/bad credit applicants', bonusShort: 'No Bonus', 1948 bestFor: 'Fair or Bad Credit â Unsecured Card', cardScore: 3.2, minScore: 'fair', 1949 categories: ['secured'], 1950 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 1951 foreignFee: '3%', rateLabel: '1% cash back on select purchases', 1952 applyUrl: 'https://www.creditonebank.com/credit-cards/platinum-visa-for-rebuilding-credit', 1953 affiliateUrl: null, 1954 cardArt: { bg: 'linear-gradient(135deg,#3A3A3A 0%,#555555 50%,#2A2A2A 100%)', highlight: 'rgba(180,180,180,.15)' }, 1955 pros: ['No security deposit required','Accepts applicants with fair or bad credit','1% back on select purchases (gas, groceries)','Pre-qualify with no hard inquiry','Reports to all 3 credit bureaus'], 1956 cons: ['$75 annual fee charged immediately','High APR â not for carrying a balance','3% foreign transaction fee','Fee-heavy terms â read fine print carefully'], 1957 tags: ['Build Credit','Fair Credit','Unsecured'], 1958 guideUrl: '/guides/best-secured-credit-cards-2026' 1959 }, 1960 1961 /* âââ SELF â VISA SECURED âââ */ 1962 { 1963 id: 'self-visa-secured', cardImage: 'https://cdn.wallethub.com/common/product/images/creditcards/500/self-visa-credit-card-12333088c.png', name: 'Self Visa® Credit Card', 1964 issuer: 'Self Financial', network: 'Visa', annualFee: 25, bonusValue: 0,
1965 bonusDesc: 'No welcome bonus â credit-builder loan secures your deposit', bonusShort: 'No Bonus', 1966 bestFor: 'Build Credit with No Upfront Deposit', cardScore: 3.9, minScore: 'poor', 1967 categories: ['secured'], 1968 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 1969 foreignFee: '3%', rateLabel: '1à on all purchases', 1970 applyUrl: 'https://www.self.inc/visa-secured-credit-card', 1971 affiliateUrl: null, 1972 cardArt: { bg: 'linear-gradient(135deg,#2E4057 0%,#3D5470 50%,#1E2E3E 100%)', highlight: 'rgba(80,130,200,.18)' }, 1973 pros: ['No traditional security deposit â your Credit Builder Account becomes collateral','Reports to all 3 credit bureaus','$0 annual fee the first year, then $25 â lower than many secured alternatives','Available to applicants with no credit history','No hard pull to open a Credit Builder Account'], 1974 cons: ['Requires active Self Credit Builder Account first','$25 annual fee after the first year','3% foreign transaction fee','No rewards program'], 1975 tags: ['Build Credit','Secured','No Deposit'], 1976 guideUrl: '/guides/best-secured-credit-cards-2026' 1977 }, 1978 1979 /* âââ FIRST PROGRESS â SECURED CARDS âââ */ 1980 { 1981 id: 'first-progress-select', cardImage: 'https://cdn-cards.lendingtree.com/card/first-progress-platinum-select-mastercard_default_main.jpg', name: 'First Progress Platinum Select Mastercard® Secured Credit Card', 1982 issuer: 'First Progress', network: 'Mastercard', annualFee: 39, bonusValue: 0, 1983 bonusDesc: 'No welcome bonus â secured card for building credit', bonusShort: 'No Bonus', 1984 bestFor: 'Building Credit â No Minimum Score', cardScore: 3.5, minScore: 'poor', 1985 categories: ['secured'], 1986 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 1987 foreignFee: '3%', rateLabel: '1% back on payments (as statement credits)', 1988 applyUrl: 'https://firstprogress.com/', 1989 affiliateUrl: null, 1990 cardArt: { bg: 'linear-gradient(135deg,#B8703A 0%,#D9955C 50%,#8E5228 100%)', highlight: 'rgba(255,220,180,.18)' }, 1991 pros: ['No minimum credit score; applying is a soft inquiry','17.49% variable APR, low for a secured card','Reports to Equifax, Experian and TransUnion','1% back on payments, redeemed as $5 statement credits','Deposit of $200 or $300â$2,000 sets your limit'], 1992 cons: ['$39 annual fee, charged to your available credit','3% foreign transaction fee','No stated path to an unsecured card','Deposits between $201 and $299 are not accepted'], 1993 tags: ['Build Credit','Secured','No Credit Score Required','Reports to 3 Bureaus'], 1994 guideUrl: '/guides/best-secured-credit-cards-2026' 1995 }, 1996 { 1997 id: 'first-progress-prestige', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/8dff5fd0-3220-11ee-88ac-8d33dad17a11.png', name: 'First Progress Platinum Prestige Mastercard® Secured Credit Card', 1998 issuer: 'First Progress', network: 'Mastercard', annualFee: 49, bonusValue: 0, 1999 bonusDesc: 'No welcome bonus â secured card for building credit', bonusShort: 'No Bonus', 2000 bestFor: 'Building Credit While Carrying a Balance', cardScore: 3.6, minScore: 'poor', 2001 categories: ['secured'], 2002 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 2003 foreignFee: '3%', rateLabel: '1% back on payments (as statement credits)', 2004 applyUrl: 'https://firstprogress.com/', 2005 affiliateUrl: null, 2006 cardArt: { bg: 'linear-gradient(135deg,#1F4D2E 0%,#2F6B40 50%,#143820 100%)', highlight: 'rgba(160,220,170,.16)' }, 2007 pros: ['13.49% variable APR, among the lowest on any secured card','No minimum credit score; applying is a soft inquiry','Reports to Equifax, Experian and TransUnion','1% back on payments, redeemed as $5 statement credits'], 2008 cons: ['$49 annual fee, $10 more than the Select','3% foreign transaction fee','No stated path to an unsecured card','Deposit must be $200 or $350â$2,000'], 2009 tags: ['Build Credit','Secured','Low APR','Reports to 3 Bureaus'], 2010 guideUrl: '/guides/best-secured-credit-cards-2026' 2011 }, 2012 2013 /* âââ CHIME âââ */ 2014 { 2015 id: 'chime-card', name: 'Chime Cardâ¢', 2016 issuer: 'Chime', network: 'Visa', annualFee: 0, bonusValue: 0, 2017 bonusDesc: 'No welcome bonus â secured card with no credit check', bonusShort: 'No Bonus', 2018 bestFor: 'Building Credit with No Fees or Credit Check', cardScore: 3.9, minScore: 'poor', 2019 categories: ['secured','nofee'], 2020 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 2021 foreignFee: 'None', rateLabel: 'Up to 5% (Chime Prime) or 2% (Chime+) cash back on the first $1,500 with qualifying direct deposit', 2022 applyUrl: 'https://www.chime.com/credit/', 2023 affiliateUrl: null, 2024 cardArt: { bg: 'linear-gradient(135deg,#1EC677 0%,#0FA968 50%,#0B7F4F 100%)', highlight: 'rgba(255,255,255,.18)' }, 2025 pros: ['$0 annual fee, 0% APR and no late fees','No credit check or hard inquiry to apply','Reports to TransUnion, Experi
2025an and Equifax','Cash back of 2% (Chime+) or 5% (Chime Prime) on up to $1,500 of purchases'], 2026 cons: ['Requires a Chime Checking account','Cash back needs qualifying direct deposit ($200+/mo for Chime+, $3,000+/mo for Prime)','Your limit is the money you move onto the card','Credit Builder users who switch cannot switch back'], 2027 tags: ['Build Credit','No Credit Check','No Annual Fee','Secured'], 2028 guideUrl: '/guides/best-secured-credit-cards-2026' 2029 }, 2030 2031 /* âââ GEMINI âââ */ 2032 { 2033 id: 'gemini-credit-card', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/a2b89f50-9005-11f0-832a-f3f3309a1b0c.png', name: 'Gemini Credit Card®', 2034 issuer: 'Gemini', network: 'Mastercard', annualFee: 0, bonusValue: 0, 2035 bonusDesc: 'No welcome bonus â intro offer paused Jan 31, 2026', bonusShort: 'No Bonus', 2036 bestFor: 'Earning Crypto on Everyday Spending', cardScore: 4.0, minScore: 'good', 2037 categories: ['cashback','nofee','gas'], 2038 rates: { travel:1, dining:3, grocery:2, gas:4, online:1, other:1 }, 2039 foreignFee: 'None', rateLabel: '4% gas, EV & transit (first $300/mo) · 3% dining · 2% grocery · 1% other â paid in crypto', 2040 applyUrl: 'https://www.gemini.com/credit-card', 2041 affiliateUrl: null, 2042 cardArt: { bg: 'linear-gradient(135deg,#0F1C2E 0%,#1B3A5C 50%,#00DCFA 140%)', highlight: 'rgba(0,220,250,.16)' }, 2043 pros: ['4% back on gas, EV charging and transit','3% on dining, 2% on groceries','Rewards paid instantly in your choice of crypto','No annual fee and no foreign transaction fees'], 2044 cons: ['Rewards are crypto â their value can fall before you sell','4% rate only on the first $300 of spend each month','No welcome bonus since January 2026'], 2045 tags: ['No Annual Fee','Crypto Rewards','Gas 4%','No FTF'] 2046 }, 2047 2048 /* âââ MISSION LANE âââ */ 2049 { 2050 id: 'mission-lane-visa', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/0942d700-7dea-11f0-96ae-9ba4a69e8e45.png', name: 'Mission Lane Silver Line Visa® Credit Card', 2051 issuer: 'Mission Lane', network: 'Visa', annualFee: 0, bonusValue: 0, 2052 bonusDesc: 'No welcome bonus â unsecured card for fair credit', bonusShort: 'No Bonus', 2053 bestFor: 'Fair Credit â Cash Back with No Deposit', cardScore: 3.7, minScore: 'fair', 2054 categories: ['secured','cashback','nofee'], 2055 rates: { travel:1.5, dining:1.5, grocery:1.5, gas:1.5, online:1.5, other:1.5 }, 2056 foreignFee: 'None', rateLabel: 'Unlimited 1.5% cash back', 2057 applyUrl: 'https://www.missionlane.com/', 2058 affiliateUrl: null, 2059 cardArt: { bg: 'linear-gradient(135deg,#1A3A5C 0%,#2E5A8A 50%,#102840 100%)', highlight: 'rgba(60,140,220,.18)' }, 2060 pros: ['Unlimited 1.5% cash back','No annual fee and no security deposit','See if you prequalify with a soft credit check','Credit line up to $3,000'], 2061 cons: ['High APR (reported at 33.99%) â not for carrying a balance','Prequalification may offer a different Mission Lane card instead, with different terms','Starting credit lines are often low'], 2062 tags: ['Fair Credit','Cash Back','No Annual Fee','Soft-Check Prequal'], 2063 guideUrl: '/guides/best-secured-credit-cards-2026' 2064 }, 2065 2066 /* âââ GOLDMAN SACHS â APPLE CARD âââ */ 2067 { 2068 id: 'apple-card', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/5d472db0-f540-11eb-99d8-ddd3faec9ad4.png', name: 'Apple Card', 2069 issuer: 'Goldman Sachs', network: 'Mastercard', annualFee: 0, bonusValue: 0, 2070 bonusDesc: 'No welcome bonus â Apple does not offer sign-up bonuses', bonusShort: 'No Bonus', 2071 bestFor: 'Apple Pay Users & iPhone Owners', cardScore: 4.3, minScore: 'good', 2072 categories: ['cashback','nofee'], 2073 rates: { travel:2, dining:2, grocery:2, gas:2, online:2, other:1 }, 2074 foreignFee: 'None', rateLabel: '3% at Apple · 2% via Apple Pay · 1% card swipe', 2075 applyUrl: 'https://www.apple.com/apple-card/', 2076 affiliateUrl: null, 2077 cardArt: { bg: 'linear-gradient(135deg,#1D1D1F 0%,#3A3A3C 50%,#1D1D1F 100%)', highlight: 'rgba(255,255,255,.15)' }, 2078 pros: ['No annual fee, no foreign transaction fees, no late fees','3% Daily Cash at Apple (Apple Store, apple.com, Ap
2078p Store)','2% Daily Cash on every Apple Pay purchase','Daily Cash paid out the next day, usable instantly','Apple Card Savings account earns yield on Daily Cash balance'], 2079 cons: ['Only 1% back on purchases not made via Apple Pay','Requires an iPhone to fully use (Apple Wallet)','No travel transfer partners or premium travel perks','Issuer is transitioning from Goldman Sachs to Chase through 2028'], 2080 tags: ['No Annual Fee','No FTF','Apple Pay','iPhone Required'] 2081 } 2082 ]; 2083 2084 /* ââ CARD FRESHNESS METADATA ââââââââââââââââââââââââââââââââââââââââââââââââââ 2085 * bonusFloor: Conservative minimum bonus value in $ (lowest confirmed offer) 2086 * bonusUpdated: ISO date of last manual verification against issuer page 2087 * isHub: true = this card is the weekly spot-check proxy for its issuer 2088 * hubCardId: Which card to verify to proxy freshness for the whole issuer family 2089 * 2090 * MAINTENANCE: When you verify a card, update bonusUpdated to today's date. 2091 * If the bonus has changed, update bonusDesc/bonusShort/bonusValue in ALL_CARDS 2092 * AND lower bonusFloor if the new offer is lower than the current floor. 2093 * Hub cards should be checked weekly; spokes inherit hub freshness for badges. 2094 * ââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââ */ 2095 window.CARD_FRESHNESS = { 2096 // ââ CHASE (hub: chase-sapphire-preferred) ââ 2097 'chase-sapphire-preferred': { bonusFloor: 600, bonusUpdated: '2026-09-30', isHub: true, hubCardId: 'chase-sapphire-preferred' }, 2098 'chase-sapphire-reserve': { bonusFloor: 900, bonusUpdated: '2026-08-12', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2099 'chase-freedom-unlimited': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2100 'chase-freedom-flex': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2101 'united-explorer': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2102 'southwest-rapid-rewards-plus': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2103 'southwest-rapid-rewards-priority': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2104 'marriott-bonvoy-boundless': { bonusFloor: 450, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2105 'world-of-hyatt': { bonusFloor: 450, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2106 'ihg-one-rewards-premier': { bonusFloor: 700, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2107 'ink-business-unlimited': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2108 'ink-business-cash': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2109 'ink-business-preferred': { bonusFloor: 900, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2110 'chase-freedom-rise': { bonusFloor: 25, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2111 'chase-slate': { bonusFloor: 0, bonusUpdated: '2026-09-30', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2112 // ââ AMERICAN EXPRESS (hub: amex-gold) ââ 2113 'amex-gold': { bonusFloor: 900, bonusUpdated: '2026-09-30', isHub: true, hubCardId: 'amex-gold' }, 2114 'amex-platinum': { bonusFloor: 1500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2115 'amex-blue-cash-preferred': { bonusFloor: 300, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2116 'amex-blue-cash-everyday': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2117 'delta-gold-amex': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2118 'delta-platinum-amex': { bonusFloor: 750, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2119 'delta-reserve-amex': { bonusFloor: 1000, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2120 'hilton-honors-surpass': { bonusFloor: 600, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2121 'hilton-honors-amex': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2122 'hilton-honors-aspire': { bonusFloor: 1200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2123 'marriott-bonvoy-brilliant': { bonusFloor: 900, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2124 'amex-blue-business-cash': { bonusFloor: 250, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2125 'amex-blue-business-plus': { bonusFloor: 250, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2126 'amex-business-gold': { bonusFloor: 900, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2127 'amex-business-platinum': { bonusFloor: 1500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2128 // ââ CAPITAL ONE (hub: capital-one-venture-x) ââ 2129 'capital-one-venture-x': { bonusFloor: 1050, bonusUpdated: '2026-09-30', isHub: true, hubCardId: 'capital-one-venture-x' }, 2130 'capital-one-venture': { bonusFloor: 900, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'capital-one-venture-x' }, 2131 'capital-one-quicksilver': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'capital-one-venture-x' }, 2132 'capital-one-savor-one': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'capital-one-venture-x' },
2133 'capital-one-spark-cash-plus': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'capital-one-venture-x' }, 2134 'capital-one-platinum-secured': { bonusFloor: 0, bonusUpdated: '2026-09-01', isHub: false, hubCardId: 'capital-one-venture-x' }, 2135 'capital-one-quicksilver-student': { bonusFloor: 50, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'capital-one-venture-x' }, 2136 'capital-one-savor-student': { bonusFloor: 50, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'capital-one-venture-x' }, 2137 // ââ DISCOVER (hub: discover-it-cashback) ââ 2138 'discover-it-cashback': { bonusFloor: 200, bonusUpdated: '2026-09-30', isHub: true, hubCardId: 'discover-it-cashback' }, 2139 'discover-it-student': { bonusFloor: 100, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'discover-it-cashback' }, 2140 'discover-it-secured': { bonusFloor: 100, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'discover-it-cashback' }, 2141 'discover-it-student-chrome': { bonusFloor: 100, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'discover-it-cashback' }, 2142 // ââ CITI (hub: citi-premier) ââ 2143 'citi-premier': { bonusFloor: 500, bonusUpdated: '2026-09-30', isHub: true, hubCardId: 'citi-premier' }, 2144 'citi-double-cash': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'citi-premier' }, 2145 'citi-simplicity': { bonusFloor: 0, bonusUpdated: '2026-09-01', isHub: false, hubCardId: 'citi-premier' }, 2146 'citi-aadvantage-platinum': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'citi-premier' }, 2147 'aadvantage-mileup': { bonusFloor: 150, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'citi-premier' },
2148 // ââ WELLS FARGO (hub: wells-fargo-active-cash) ââ 2149 'wells-fargo-active-cash': { bonusFloor: 100, bonusUpdated: '2026-09-30', isHub: true, hubCardId: 'wells-fargo-active-cash' }, 2150 'wells-fargo-autograph': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'wells-fargo-active-cash' }, 2151 'wells-fargo-reflect': { bonusFloor: 0, bonusUpdated: '2026-09-01', isHub: false, hubCardId: 'wells-fargo-active-cash' }, 2152 // ââ BANK OF AMERICA (hub: bofa-customized-cash) ââ 2153 'bofa-customized-cash': { bonusFloor: 200, bonusUpdated: '2026-09-30', isHub: true, hubCardId: 'bofa-customized-cash' }, 2154 'bofa-travel-rewards': { bonusFloor: 250, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'bofa-customized-cash' }, 2155 'bofa-travel-rewards-student': { bonusFloor: 250, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'bofa-customized-cash' }, 2156 'bofa-customized-cash-student': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'bofa-customized-cash' }, 2157 'bofa-unlimited-cash-student': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'bofa-customized-cash' }, 2158 // ââ U.S. BANK (hub: usbank-altitude-connect) ââ 2159 'usbank-altitude-connect': { bonusFloor: 200, bonusUpdated: '2026-09-30', isHub: true, hubCardId: 'usbank-altitude-connect' }, 2160 // ââ BARCLAYS (hub: wyndham-earner-plus) ââ 2161 'wyndham-earner-plus': { bonusFloor: 350, bonusUpdated: '2026-09-30', isHub: true, hubCardId: 'wyndham-earner-plus' }, 2162 // ââ LUXURY CARD (hub: luxury-card-titanium) ââ 2163 'luxury-card-titanium': { bonusFloor: 0, bonusUpdated: '2026-08-12', isHub: true, hubCardId: 'luxury-card-titanium' }, 2164 'luxury-card-black': { bonusFloor: 0, bonusUpdated: '2026-09-05', isHub: false, hubCardId: 'luxury-card-titanium' }, 2165 'luxury-card-gold': { bonusFloor: 0, bonusUpdated: '2026-09-05', isHub: false, hubCardId: 'luxury-card-titanium' }, 2166 // ââ PAYPAL (hub: paypal-cashback-mastercard) ââ 2167 'paypal-cashback-mastercard': { bonusFloor: 0, bonusUpdated: '2026-08-12', isHub: true, hubCardId: 'paypal-cashback-mastercard' }, 2168 // ââ VENMO (hub: venmo-credit-card) ââ 2169 'venmo-credit-card': { bonusFloor: 0, bonusUpdated: '2026-08-12', isHub: true, hubCardId: 'venmo-credit-card' }, 2170 // ââ OPENSKY (hub: opensky-plus-secured) ââ 2171 'opensky-plus-secured': { bonusFloor: 30, bonusUpdated: '2026-09-05', isHub: true, hubCardId: 'opensky-plus-secured' }, 2172 'opensky-launch-secured': { bonusFloor: 0, bonusUpdated: '2026-09-05', isHub: false, hubCardId: 'opensky-plus-secured' }, 2173 'opensky-secured-visa': { bonusFloor: 20, bonusUpdated: '2026-09-05', isHub: false, hubCardId: 'opensky-plus-secured' }, 2174 // ââ BILT (hub: bilt-rewards) ââ 2175 'bilt-rewards': { bonusFloor: 0, bonusUpdated: '2026-09-19', isHub: true, hubCardId: 'bilt-rewards' }, 2176 'bilt-obsidian': { bonusFloor: 100, bonusUpdated: '2026-09-19', isHub: false, hubCardId: 'bilt-rewards' }, 2177 'bilt-palladium': { bonusFloor: 300, bonusUpdated: '2026-09-19', isHub: false, hubCardId: 'bilt-rewards' }, 2178 // ââ CAPITAL ONE â VENTUREONE ââ 2179 'capital-one-venture-one': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'capital-one-venture-x' }, 2180 // ââ AMEX GREEN (hub: amex-gold) ââ 2181 // ââ CHASE â UNITED FAMILY ââ 2182 'united-quest': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2183 'united-club-infinite': { bonusFloor: 700, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2184 'amazon-prime-rewards': { bonusFloor: 150, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2185 'british-airways-visa': { bonusFloor: 400, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2186 'aeroplan-chase': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2187 'marriott-bonvoy-bold': { bonusFloor: 225, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2188 'ihg-one-rewards-traveler': { bonusFloor: 300, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2189 'southwest-rapid-rewards-business': { bonusFloor: 400, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2190 'united-business-card': { bonusFloor: 400, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2191 'ink-business-premier': { bonusFloor: 750, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2192 // ââ AMEX â NEW ADDITIONS (hub: amex-gold) ââ 2193 'marriott-bonvoy-business-amex': { bonusFloor: 600, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2194 'hilton-honors-business-amex': { bonusFloor: 700, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2195 'delta-gold-business-amex': { bonusFloor: 600, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2196 'delta-blue-amex': { bonusFloor: 140, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2197 'delta-platinum-business-amex': { bonusFloor: 700, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2198 'delta-reserve-business-amex': { bonusFloor: 1000, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2199 // ââ BANK OF AMERICA â ALASKA AIRLINES ââ 2200 'alaska-airlines-visa': { bonusFloor: 500, bonusUpdated: '2026-09-30', isHub: true, hubCardId: 'alaska-airlines-visa' }, 2201 'bofa-premium-rewards': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'bofa-customized-cash' }, 2202 // ââ BARCLAYS â NEW ADDITIONS (hub: wyndham-earner-plus) ââ 2203 'jetblue-plus': { bonusFloor: 400, bonusUpdated: '2026-09-30', isHub: true, hubCardId: 'jetblue-plus' }, 2204 'jetblue-business-card': { bonusFloor: 333, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'jetblue-plus' }, 2205 'wyndham-earner': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'wyndham-earner-plus' }, 2206 'frontier-airlines-mastercard': { bonusFloor: 200, bonusUpdated: '2026-09-30', isHub: true, hubCardId: 'frontier-airlines-mastercard' }, 2207 // ââ WELLS FARGO â NEW (hub: wells-fargo-active-cash) ââ 2208 'choice-privileges-select': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'wells-fargo-active-cash' }, 2209 'wells-fargo-autograph-journey': { bonusFloor: 400, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'wells-fargo-active-cash' }, 2210 // ââ U.S. BANK â NEW ADDITIONS (hub: usbank-altitude-connect) ââ 2211 'usbank-cash-plus': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'usbank-altitude-connect' }, 2212 'usbank-altitude-go': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'usbank-altitude-connect' }, 2213 'usbank-shield-visa': { bonusFloor: 0, bonusUpdated: '2026-09-30', isHub: false, hubCardId: 'usbank-altitude-connect' }, 2214 'usbank-smartly-visa-signature': { bonusFloor: 0, bonusUpdated: '2026-08-12', isHub: false, hubCardId: 'usbank-altitude-connect' }, 2215 // ââ CITI â NEW ADDITIONS (hub: citi-premier) ââ 2216 'citi-aadvantage-executive': { bonusFloor: 560, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'citi-premier' }, 2217 'citi-diamond-preferred': { bonusFloor: 0, bonusUpdated: '2026-09-30', isHub: false, hubCardId: 'citi-premier' }, 2218 'costco-anywhere-visa': { bonusFloor: 0, bonusUpdated: '2026-08-12', isHub: true, hubCardId: 'costco-anywhere-visa' }, 2219 // ââ CAPITAL ONE â NEW BUSINESS (hub: capital-one-venture-x) ââ
2220 'capital-one-spark-miles': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'capital-one-venture-x' }, 2221 'capital-one-spark-cash-select': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'capital-one-venture-x' }, 2222 // ââ FIDELITY (hub: fidelity-rewards-visa) ââ 2223 'fidelity-rewards-visa': { bonusFloor: 0, bonusUpdated: '2026-08-12', isHub: true, hubCardId: 'fidelity-rewards-visa' }, 2224 // ââ USAA (hub: usaa-rate-advantage-visa) ââ 2225 'usaa-rate-advantage-visa': { bonusFloor: 0, bonusUpdated: '2026-08-12', isHub: true, hubCardId: 'usaa-rate-advantage-visa' }, 2226 // ââ PENFED (hub: penfed-platinum-rewards) ââ 2227 'penfed-platinum-rewards': { bonusFloor: 75, bonusUpdated: '2026-08-12', isHub: true, hubCardId: 'penfed-platinum-rewards' }, 2228 // ââ CREDIT ONE (hub: credit-one-platinum-visa) ââ 2229 'credit-one-platinum-visa': { bonusFloor: 0, bonusUpdated: '2026-08-12', isHub: true, hubCardId: 'credit-one-platinum-visa' }, 2230 // ââ SELF FINANCIAL (hub: self-visa-secured) ââ 2231 'self-visa-secured': { bonusFloor: 0, bonusUpdated: '2026-08-12', isHub: true, hubCardId: 'self-visa-secured' }, 2232 // ââ FIRST PROGRESS (hub: first-progress-select) ââ 2233 'first-progress-select': { bonusFloor: 0, bonusUpdated: '2026-09-19', isHub: true, hubCardId: 'first-progress-select' }, 2234 'first-progress-prestige': { bonusFloor: 0, bonusUpdated: '2026-09-19', isHub: false, hubCardId: 'first-progress-select' }, 2235 // ââ CHIME (hub: chime-card) ââ 2236 'chime-card': { bonusFloor: 0, bonusUpdated: '2026-09-19', isHub: true, hubCardId: 'chime-card' }, 2237 // ââ GEMINI (hub: gemini-credit-card) ââ 2238 'gemini-credit-card': { bonusFloor: 0, bonusUpdated: '2026-09-19', isHub: true, hubCardId: 'gemini-credit-card' }, 2239 // ââ MISSION LANE (hub: mission-lane-visa) ââ 2240 'mission-lane-visa': { bonusFloor: 0, bonusUpdated: '2026-09-19', isHub: true, hubCardId: 'mission-lane-visa' }, 2241 // ââ GOLDMAN SACHS (hub: apple-card) ââ 2242 'apple-card': { bonusFloor: 0, bonusUpdated: '2026-09-06', isHub: true, hubCardId: 'apple-card' } 2243 }; 2244 2245 /* ââ AFFILIATE HELPER âââââââââââââââââââââââââââââââââââââââââââââââââââââââââ 2246 * Returns affiliateUrl when set, otherwise falls back to applyUrl. 2247 * To activate an affiliate link: set affiliateUrl on the card in ALL_CARDS. 2248 * ââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââ */ 2249 window.getApplyUrl = function (card) { 2250 return card.affiliateUrl || card.applyUrl; 2251 }; 2252 2253 // Tracked Apply for pages that build buttons in template strings: logs the same 2254 // apply_click (card_name, card_issuer, source) every other page sends, then opens 2255 // the affiliate-aware URL. 2256 window.openApply = function (cardId, source) { 2257 var card = window.ALL_CARDS.find(function (c) { return c.id === cardId; }); 2258 if (!card) return; 2259 if (typeof gtag === 'function') { 2260 gtag('event', 'apply_click', { card_name: card.name, card_issuer: card.issuer, source: source }); 2261 } 2262 window.open(window.getApplyUrl(card), '_blank', 'noopener,noreferrer'); 2263 }; 2264 2265 /* ââ FRESHNESS HELPER ââââââââââââââââââââââââââââââââââââââââââââââââââââââââââ 2266 * Returns display data for a card's bonus, flagging stale data (> 90 days old). 2267 * Stale cards: use bonusFloor for sort ranking, show a verify badge in the UI. 2268 * Usage: const bd = getBonusDisplay(card); if (bd.stale) { ... } 2269 * ââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââ */ 2270 window.getBonusDisplay = function (card) { 2271 var f = (window.CARD_FRESHNESS || {})[card.id] || {}; 2272 var daysOld = f.bonusUpdated 2273 ? Math.floor((Date.now() - new Date(f.bonusUpdated)) / 86400000) 2274 : 999; 2275 var stale = daysOld > 90; 2276 return { 2277 value: stale ? (f.bonusFloor != null ? f.bonusFloor : card.bonusValue) : card.bonusValue, 2278 desc: card.bonusDesc, 2279 short: card.bonusShort, 2280 stale: stale, 2281 lastVerified: f.bonusUpdated || null, 2282 daysOld: daysOld 2283 }; 2284 }; 2285 2286 /* ââ CATEGORY CONFIGS ââ */ 2287 window.CARD_CATEGORIES = { 2288 bestoffers: { label: 'Best Offers', icon: '<i class="fas fa-star"></i>', desc: 'Top cards with the best current sign-up bonuses and overall value.' }, 2289 travel: { label: 'Travel Rewards', icon: '<i class="fas fa-plane"></i>', desc: 'Earn points or miles on flights, hotels, and travel spending.' }, 2290 cashback: { label: 'Cash Back', icon: '<i class="fas fa-money-bill-wave"></i>', desc: 'Earn cash back on every purchase â rotating or flat rate.' }, 2291 dining: { label: 'Dining', icon: '<i class="fas fa-utensils"></i>', desc: 'Maximize rewards at restaurants, bars, and food delivery.' }, 2292 nofee: { label: 'No Annual Fee', icon: '<i class="fas fa-tag"></i>', desc: 'Zero annual fee cards that still deliver great value.' }, 2293 hotel: { label: 'Hotel Cards', icon: '<i class="fas fa-hotel"></i>', desc: 'Earn hotel points and elite status benefits.' }, 2294 airline: { label: 'Airline Cards', icon: '<i class="fas fa-plane-departure"></i>', desc: 'Earn miles and perks with your favorite airline.' }, 2295 gas: { label: 'Gas Cards', icon: '<i class="fas fa-gas-pump"></i>', desc: 'Best cards for gas station rewards and EV charging.' }, 2296 student: { label: 'Student', icon: '<i class="fas fa-graduation-cap"></i>
2296', desc: 'Build credit and earn rewards with no prior history needed.' }, 2297 balancetransfer:{ label: 'Balance Transfer', icon: '<i class="fas fa-sync-alt"></i>', desc: 'Long 0% intro APR periods to pay down existing debt.' }, 2298 business: { label: 'Business Cards', icon: '<i class="fas fa-briefcase"></i>', desc: 'Earn rewards on business purchases with perks for entrepreneurs.' }, 2299 secured: { label: 'Build Credit', icon: '<i class="fas fa-lock"></i>', desc: 'Secured and starter cards to establish or rebuild your credit score.' } 2300 }; 2301 2302})();
Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.