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: 'https://www.referyourchasecard.com/18a/WCZK8DYRSM', 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: 'https://www.referyourchasecard.com/18a/WCZK8DYRSM#flex-content', 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-card.png', name: 'Chase Slate®', 135 issuer: 'Chase', network: 'Visa', annualFee: 0, bonusValue: 0, 136 bonusDesc: 'No welcome bonus â 0% intro APR for 15 months on purchases & balance transfers', bonusShort: '0% APR 15 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 15 months on balance transfers', 141 applyUrl: 'https://creditcards.chase.com/balance-transfer-credit-cards/slate', 142 affiliateUrl: 'https://www.referyourchasecard.com/18a/WCZK8DYRSM#slate-content', 143 cardArt: { bg: 'linear-gradient(135deg,#003087 0%,#0050B3 50%,#003087 100%)', highlight: 'rgba(74,144,217,.2)' }, 144 pros: ['No annual fee','0% intro APR for 15 months on purchases and balance transfers','No balance transfer fee when transferred in first 60 days','No penalty APR for late payment','Free credit score access via Chase Credit Journey'], 145 cons: ['No rewards or cash back program','3% foreign transaction fee','No welcome bonus','3% balance transfer fee after 60-day intro window'], 146 tags: ['No Annual Fee','0% APR','Balance Transfer','No BT Fee'], 147 guideUrl: '/guides/chase-slate-review-2026' 148 }, 149 150 /* âââ FINTECH â VENMO âââ */ 151 { 152 id: 'venmo-credit-card', cardImage: 'images/cards/venmo-credit-card.png', name: 'Venmo Visa Signature Credit Card', 153 issuer: 'Venmo', network: 'Visa', annualFee: 0, bonusValue: 0, 154 bonusDesc: 'No welcome bonus â 3% cash back automatically on your top spend category', bonusShort: 'No Bonus', 155 bestFor: 'Auto Cash Back â Top 2 Spending Categories', cardScore: 4.3, minScore: 'good', 156 categories: ['cashback','nofee'], 157 rates: { travel: 3, dining: 3, grocery: 3, gas: 3, online: 1, other: 1 }, 158 // rates above is the best case per category. rateTiers says how it really pays: see effectiveRates() in recommend-engine.js. 159 rateTiers: { among: ['travel', 'dining', 'grocery', 'gas'], tiers: [3, 2], base: 1 }, 160 foreignFee: 'None', rateLabel: '3% top category · 2% second · 1% on rest', 161 applyUrl: 'https://venmo.com/about/creditcard', 162 affiliateUrl: null, 163 cardArt: { bg: 'li
163near-gradient(135deg,#2BB86A 0%,#3DC87A 50%,#1A9E58 100%)', highlight: 'rgba(13,32,112,.18)' }, 164 pros: [ 165 '3% cash back on your top spend category â selected automatically each month', 166 '2% on your second-highest category (rare two-tier auto system)', 167 'No annual fee', 168 'No foreign transaction fees â Visa Signature accepted worldwide', 169 'Option to auto-convert cash back into crypto at no extra fee', 170 'Virtual card available immediately on approval' 171 ], 172 cons: [ 173 'No welcome bonus â most competing no-fee cards offer $200+', 174 'Requires an active Venmo account to apply and manage rewards', 175 'Application is through the Venmo app only (no web application)', 176 '1% on all spending outside your top 2 categories' 177 ], 178 tags: ['No Annual Fee','Auto 3%','2% Second Category','No FTF','No Bonus'], 179 guideUrl: '/guides/venmo-credit-card-review-2026' 180 }, 181 182 /* âââ AMERICAN EXPRESS âââ */ 183 { 184 id: 'amex-gold', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/d2bef540-4974-11f1-84f5-41ce5a3f4820.png', name: 'American Express® Gold Card', 185 issuer: 'American Express', network: 'Amex', annualFee: 325, bonusValue: 2000, 186 bonusDesc: 'Up to 100,000 pts after $8,000 spend in 6 months', bonusShort: 'Up to 100,000 pts', 187 bestFor: 'Dining & Groceries', cardScore: 4.7, minScore: 'good', 188 categories: ['dining','travel','bestoffers'], 189 rates: { travel:3, dining:4, grocery:4, gas:1, online:1, other:1 }, 190 foreignFee: 'None', rateLabel: '4à at restaurants worldwide', 191 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/gold-card/', 192 affiliateUrl: null, 193 cardArt: { bg: 'linear-gradient(135deg,#B8820A 0%,#E8B931 30%,#9A6B0C 60%,#C9951A 100%)', highlight: 'rgba(255,245,204,.15)' }, 194 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'], 195 cons: ['$325 annual fee','Must use credits to justify fee','Less accepted than Visa in some places'], 196 tags: ['Dining 4Ã','Groceries 4Ã','No FTF','Dining Credit'], 197 guideUrl: '/guides/amex-gold-vs-chase-sapphire-preferred-dining-2026' 198 }, 199 { 200 id: 'amex-platinum', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/8cd47490-949f-11f0-832a-f3f3309a1b0c.png', name: 'The Platinum Card® from Amex', 201 issuer: 'American Express', network: 'Amex', annualFee: 895, bonusValue: 3500, 202 bonusDesc: 'Up to 175,000 pts after $12,000 spend in 6 months', bonusShort: 'Up to 175,000 pts', 203 bestFor: 'Ultra-Premium Travel', cardScore: 4.8, minScore: 'excellent', 204 categories: ['travel','bestoffers'], 205 rates: { travel:5, dining:1, grocery:1, gas:1, online:1, other:1 }, 206 foreignFee: 'None', rateLabel: '5à on flights & Amex Travel hotels', 207 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/platinum/', 208 affiliateUrl: null, 209 cardArt: { bg: 'linear-gradient(135deg,#7A7A7A 0%,#C0C0C0 40%,#A8A8A8 65%,#686868 100%)', highlight: 'rgba(232,232,232,.2)' }, 210 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'], 211 cons: ['$895 annual fee','Only 1à on most categories','Credits spread across many specific categories'], 212 tags: ['Lounge Access','$200 Air Credit','Premium','No FTF'], 213 guideUrl: '/guides/amex-platinum-vs-chase-sapphire-reserve-2026' 214 }, 215 { 216 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', 217 issuer: 'American Express', network: 'Amex', annualFee: 95, bonusValue: 300, 218 bonusDesc: '$300 cash after $3,000 spend in 6 months', bonusShort: '$300 cash', 219 bestFor: 'Groceries & Streaming', cardScore: 4.4, minScore: 'good', 220 categories: ['cashback','bestoffers'], 221 rates: { travel:1, dining:1, grocery:6, gas:3, online:6, other:1 }, 222 foreignFee: '2.7%', rateLabel: '6% at U.S. supermarkets (up to $6,000/yr)', 223 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.', 224 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/blue-cash-preferred/', 225 affiliateUrl: null, 226 cardArt: { bg: 'linear-gradient(135deg,#005A9C 0%,#0077A8 50%,#003E78 100%)', highlight: 'rgba(84,184,232,.18)' }, 227 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
227dle credit','No annual fee for first year'], 228 cons: ['$95 annual fee after year one','2.7% foreign transaction fee','6% grocery rate capped at $6,000/yr'], 229 tags: ['Groceries 6Ã','Streaming 6Ã','Gas 3Ã','Cash Back'], 230 guideUrl: '/guides/amex-blue-cash-preferred-vs-gold-card-2026' 231 }, 232 { 233 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', 234 issuer: 'American Express', network: 'Amex', annualFee: 0, bonusValue: 200, 235 bonusDesc: '$200 cash after $2,000 spend in 6 months', bonusShort: '$200 cash', 236 bestFor: 'No-Fee Grocery Card', cardScore: 4.1, minScore: 'good', 237 categories: ['cashback','nofee'], 238 rates: { travel:1, dining:1, grocery:3, gas:3, online:3, other:1 }, 239 foreignFee: '2.7%', rateLabel: '3% at U.S. supermarkets', 240 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/blue-cash-everyday/', 241 affiliateUrl: null, 242 cardArt: { bg: 'linear-gradient(135deg,#1A8CFF 0%,#0066CC 50%,#0044AA 100%)', highlight: 'rgba(102,187,255,.18)' }, 243 pros: ['No annual fee','3% at supermarkets, online retail & gas (up to $6k each)','$200 welcome bonus','No category activation needed'], 244 cons: ['2.7% foreign transaction fee','Each 3% category capped at $6,000/yr','Lower grocery rate than Preferred card'], 245 tags: ['No Annual Fee','Groceries 3%','Gas 3%','Cash Back'], 246 guideUrl: '/guides/amex-blue-cash-preferred-vs-gold-card-2026' 247 }, 248 249 /* âââ CAPITAL ONE âââ */ 250 { 251 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', 252 issuer: 'Capital One', network: 'Visa', annualFee: 395, bonusValue: 1312, 253 bonusDesc: '75,000 miles after $4,000 spend in 3 months', bonusShort: '75,000 miles', 254 bestFor: 'Premium Flat-Rate Travel', cardScore: 4.7, minScore: 'excellent', 255 categories: ['travel','bestoffers'], 256 rates: { travel:10, dining:2, grocery:2, gas:2, online:2, other:2 }, 257 foreignFee: 'None', rateLabel: '10à on hotels via Capital One', 258 applyUrl: 'https://www.capitalone.com/credit-cards/venture-x/', 259 affiliateUrl: null, 260 cardArt: { bg: 'linear-gradient(135deg,#0D0D1A 0%,#1A1030 50%,#0D0D1A 100%)', highlight: 'rgba(209,33,32,.18)' }, 261 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'], 262 cons: ['$395 annual fee','Excellent credit required','Travel credit limited to Cap One portal'], 263 tags: ['Premium','Lounge Access','$300 Travel Credit','No FTF'], 264 guideUrl: '/guides/capital-one-venture-x-review-2026' 265 }, 266 { 267 id: 'capital-one-venture', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/68365000-3813-11f1-b098-a959201c3558.png', name: 'Capital One Venture Rewards', 268 issuer: 'Capital One', network: 'Visa', annualFee: 95, bonusValue: 1050, 269 bonusDesc: '75,000 miles after $4,000 spend in 3 months', bonusShort: '75,000 miles', 270 bestFor: 'Flat-Rate Travel', cardScore: 4.5, minScore: 'good', 271 categories: ['travel','bestoffers'], 272 rates: { travel:5, dining:2, grocery:2, gas:2, online:2, other:2 }, 273 foreignFee: 'None', rateLabel: '2à miles on every purchase', 274 applyUrl: 'https://www.capitalone.com/credit-cards/venture/', 275 affiliateUrl: null, 276 cardArt: { bg: 'linear-gradient(135deg,#1A1A3E 0%,#2A2A5C 50%,#1A1A3E 100%)', highlight: 'rgba(136,136,255,.18)' }, 277 guideUrl: '/guides/chase-sapphire-preferred-vs-capital-one-venture-2026', 278 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'], 279 cons: ['$95 annual fee','2à flat not the best for any single category','Miles best redeemed for travel'],
280 tags: ['Travel','Flat 2Ã','TSA Credit','No FTF'] 281 }, 282 { 283 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', 284 issuer: 'Capital One', network: 'Visa', annualFee: 0, bonusValue: 200, 285 bonusDesc: '$200 cash after $500 spend in 3 months', bonusShort: '$200 cash', 286 bestFor: 'Simple Cash Back', cardScore: 4.2, minScore: 'good', 287 categories: ['cashback','nofee'], 288 rates: { travel:1.5, dining:1.5, grocery:1.5, gas:1.5, online:1.5, other:1.5 }, 289 foreignFee: 'None', rateLabel: '1.5% on everything', 290 applyUrl: 'https://www.capitalone.com/credit-cards/quicksilver/', 291 affiliateUrl: null, 292 cardArt: { bg: 'linear-gradient(135deg,#262626 0%,#3D3D3D 50%,#262626 100%)', highlight: 'rgba(192,192,192,.15)' }, 293 pros: ['No annual fee','1.5% cash back on everything','No foreign transaction fees','$200 welcome bonus after $500 spend'], 294 cons: ['1.5% rate is average','No bonus categories','Chase Freedom Unlimited often beats it'], 295 tags: ['No Annual Fee','Flat 1.5%','No FTF','Simple'], 296 guideUrl: '/guides/best-no-annual-fee-credit-cards-2026' 297 }, 298 { 299 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', 300 issuer: 'Capital One', network: 'Mastercard', annualFee: 0, bonusValue: 200, 301 bonusDesc: '$200 cash after $500 spend in 3 months', bonusShort: '$200 cash', 302 bestFor: 'Dining & Entertainment', cardScore: 4.3, minScore: 'good', 303 categories: ['cashback','dining','nofee'], 304 rates: { travel:5, dining:3, grocery:3, gas:1, online:3, other:1 }, 305 foreignFee: 'None', rateLabel: '3% on dining, grocery & entertainment', 306 applyUrl: 'https://www.capitalone.com/credit-cards/savor/', 307 affiliateUrl: null, 308 cardArt: { bg: 'linear-gradient(135deg,#1A0A28 0%,#2D1045 50%,#1A0A28 100%)', highlight: 'rgba(192,96,255,.18)' }, 309 pros: ['No annual fee','3% on dining, entertainment & groceries','No foreign transaction fees','$200 welcome bonus'], 310 cons: ['1% on gas & most other spending','No travel perks or lounge access','Amex Gold beats it on dining rate'], 311 tags: ['No Annual Fee','Dining 3%','Entertainment 3%','No FTF'], 312 guideUrl: '/guides/best-no-annual-fee-credit-cards-2026' 313 }, 314 315 /* âââ DISCOVER âââ */ 316 { 317 id: 'discover-it-cashback', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/discover-it-cashback-match-012518.png', name: 'Discover it® Cash Back', 318 issuer: 'Discover', network: 'Discover', annualFee: 0, bonusValue: 300, 319 bonusDesc: 'Cashback Match⢠â all first-year cash back doubled', bonusShort: 'Cashback Matchâ¢', 320 bestFor: 'Rotating 5% + No Fee', cardScore: 4.4, minScore: 'fair', 321 categories: ['cashback','nofee','bestoffers'], 322 rates: { travel:1, dining:2, grocery:2, gas:2, online:2, other:1 }, 323 foreignFee: 'None', rateLabel: '5% rotating categories (up to $1,500/qtr)', 324 applyUrl: 'https://www.discover.com/credit-cards/cash-back/it-card.html', 325 affiliateUrl: null, 326 cardArt: { bg: 'linear-gradient(135deg,#F76F20 0%,#E85D11 50%,#C44A0A 100%)', highlight: 'rgba(255,170,102,.2)' }, 327 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'], 328 cons: ['5% categories must be activated quarterly','Only 1à outside rotating categories','Less accepted internationally than Visa/MC'], 329 tags: ['No Annual Fee','Cashback Match','Rotating 5%','Student-Friendly'], 330 guideUrl: '/guides/best-no-annual-fee-credit-cards-2026' 331 }, 332 { 333 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', 334 issuer: 'Discover', network: 'Discover', annualFee: 0, bonusValue: 150, 335 bonusDesc: 'Cashback Match⢠on all first-year cash back', bonusShort: 'Cashback Matchâ¢', 336 bestFor: 'Students & Credit Builders', cardScore: 4.2, minScore: 'poor', 337 categories: ['cashback','nofee','student'], 338 rates: { travel:1, dining:2, grocery:2, gas:2, online:2, other:1 }, 339 foreignFee: 'None', rateLabel: '5% rotating categories', 340 applyUrl: 'https://www.discover.com/credit-cards/student/it-card.html', 341 affiliateUrl: null, 342 cardArt: { bg: 'linear-gradient(135deg,#0066AA 0%,#0077CC 50%,#004499 100%)', highlight: 'rgba(85,170,255,.18)' }, 343 pros: ['No annual fee','No credit history required','Cashback Match year one','5% rotating categories','$20/yr Good Grades reward (3.0+ GPA)'], 344 cons: ['5% categories must be activated','Only 1à outside categories','Not suited for high spenders'], 345 tags: ['No Annual Fee','Student','No Credit Required','Cashback Match'], 346 guideUrl: '/guides/best-student-credit-cards-2026' 347 }, 348 349 /* âââ CITI âââ */ 350 { 351 id: 'citi-double-cash', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/9ea24330-ae9f-11ec-81f6-95945bae99c9.jpg', name: 'Citi Double Cash® Card', 352 issuer: 'Citi', network: 'Mastercard', annualFee: 0, bonusValue: 200, 353 bonusDesc: '$200 cash after $1,500 spend in 6 months', bonusShort: '$200 cash', 354 bestFor: 'Flat-Rate Cash Back', cardScore: 4.3, minScore: 'good', 355 categories: ['cashback','nofee'], 356 rates: { travel:2, dining:2, grocery:2, gas:2, online:2, other:2 }, 357 foreignFee: '3%', rateLabel: '2% on everything (1% + 1% when paid)', 358 applyUrl: 'https://www.citi.com/credit-cards/citi-double-cash-credit-card', 359 affiliateUrl: null, 360 cardArt: { bg: 'linear-gradient(135deg,#003B70 0%,#0057A8 50%,#003B70 100%)', highlight: 'rgba(68,153,221,.18)' }, 361 pros: ['Flat 2% on every purchase','No annual fee','No categories to track','$200 welcome bonus','Can convert to ThankYou Points for travel'],
362 cons: ['3% foreign transaction fee','No travel perks','2% = 1% when spent + 1% when paid'], 363 tags: ['No Annual Fee','Flat 2%','Simple','Cash Back'], 364 guideUrl: '/guides/best-flat-rate-cash-back-card-2026' 365 }, 366 { 367 id: 'citi-premier', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/cc4c54f0-0d3f-11ef-8061-419b99b523ee.png', name: 'Citi Strata Premier® Card', 368 issuer: 'Citi', network: 'Mastercard', annualFee: 95, bonusValue: 600, 369 bonusDesc: '60,000 pts after $4,000 spend in 3 months', bonusShort: '60,000 pts', 370 bestFor: 'Everyday Bonus Categories', cardScore: 4.3, minScore: 'good', 371 categories: ['travel','dining','bestoffers'], 372 rates: { travel:3, dining:3, grocery:3, gas:3, online:1, other:1 }, 373 foreignFee: 'None', rateLabel: '3à on hotels, air, dining, grocery & gas', 374 applyUrl: 'https://www.citi.com/credit-cards/citi-strata-premier-credit-card', 375 affiliateUrl: null, 376 cardArt: { bg: 'linear-gradient(135deg,#00539C 0%,#0066BB 50%,#003E78 100%)', highlight: 'rgba(102,187,255,.18)' }, 377 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'], 378 cons: ['$95 annual fee','Only 1à on all other purchases','ThankYou Points less flexible than Chase/Amex'], 379 tags: ['Travel','Dining 3Ã','Groceries 3Ã','No FTF'], 380 guideUrl: '/guides/citi-strata-premier-vs-chase-sapphire-preferred-2026' 381 }, 382 { 383 id: 'citi-simplicity', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/df4e8fb0-ff38-11e9-897f-e571555e984f.jpg', name: 'Citi Simplicity® Card', 384 issuer: 'Citi', network: 'Mastercard', annualFee: 0, bonusValue: 0, 385 bonusDesc: 'No welcome bonus â focus is on 0% intro APR 21 months', bonusShort: '0% APR 21 mo.', 386 bestFor: 'Balance Transfers & 0% APR', cardScore: 4.0, minScore: 'good', 387 categories: ['nofee','balancetransfer'], 388 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 389 foreignFee: 'None', rateLabel: '0% intro APR for 21 months', 390 applyUrl: 'https://www.citi.com/credit-cards/citi-simplicity-credit-card', 391 affiliateUrl: null, 392 cardArt: { bg: 'linear-gradient(135deg,#1A1A1A 0%,#333 50%,#1A1A1A 100%)', highlight: 'rgba(136,136,136,.15)' }, 393 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'], 394 cons: ['No rewards or cash back','No welcome bonus','Not a daily-use card'], 395 tags: ['No Annual Fee','0% APR','Balance Transfer','No Late Fees'], 396 guideUrl: '/guides/best-balance-transfer-credit-card-2026' 397 }, 398 399 /* âââ WELLS FARGO âââ */ 400 { 401 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', 402 issuer: 'Wells Fargo', network: 'Visa', annualFee: 0, bonusValue: 100, 403 bonusDesc: '$100 cash after $500 spend in 3 months', bonusShort: '$100 cash', 404 bestFor: 'Flat 2% + No Fee', cardScore: 4.3, minScore: 'good', 405 categories: ['cashback','nofee','bestoffers'], 406 rates: { travel:2, dining:2, grocery:2, gas:2, online:2, other:2 }, 407 foreignFee: '3%', rateLabel: '2% cash back on all purchases', 408 applyUrl: 'https://creditcards.wellsfargo.com/active-cash-credit-card', 409 affiliateUrl: null, 410 cardArt: { bg: 'linear-gradient(135deg,#C8102E 0%,#AA0A26 50%,#880820 100%)', highlight: 'rgba(255,204,0,.15)' }, 411 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'], 412 cons: ['3% foreign transaction fee','No travel perks','Hard pull required like any card'], 413 tags: ['No Annual Fee','Flat 2%','$100 Bonus','Cell Protection'], 414 guideUrl: '/guides/best-flat-rate-cash-back-card-2026' 415 }, 416 { 417 id: 'wells-fargo-autograph', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/72
4171aaa30-91bd-11ed-9b68-abcc51f2cdde.jpg', name: 'Wells Fargo Autographâ Card', 418 issuer: 'Wells Fargo', network: 'Visa', annualFee: 0, bonusValue: 200, 419 bonusDesc: '20,000 pts ($200) after $1,000 spend in 3 months', bonusShort: '20,000 pts', 420 bestFor: 'Bonus Categories No Fee', cardScore: 4.2, minScore: 'good', 421 categories: ['cashback','dining','nofee'], 422 rates: { travel:3, dining:3, grocery:1, gas:3, online:1, other:1 }, 423 foreignFee: 'None', rateLabel: '3à on restaurants, travel, gas & transit', 424 applyUrl: 'https://creditcards.wellsfargo.com/cards/wells-fargo-autograph-visa-credit-cards/', 425 affiliateUrl: null, 426 cardArt: { bg: 'linear-gradient(135deg,#1A3A5C 0%,#2A5480 50%,#1A3A5C 100%)', highlight: 'rgba(255,204,0,.12)' }, 427 pros: ['No annual fee','3à on restaurants, travel, gas, transit, streaming & phone','No foreign transaction fees','$200 welcome bonus','Cellphone protection'], 428 cons: ['1à on groceries and everything else','No premium travel perks','Points redemption options more limited than Chase'], 429 tags: ['No Annual Fee','Dining 3Ã','Gas 3Ã','No FTF'], 430 guideUrl: '/guides/wells-fargo-autograph-review-2026' 431 }, 432 433 /* âââ BANK OF AMERICA âââ */ 434 { 435 id: 'bofa-customized-cash', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/ad3b5b00-0820-11f1-90ff-2537974ba3ef.png', name: 'BofA® Customized Cash Rewards', 436 issuer: 'Bank of America', network: 'Visa', annualFee: 0, bonusValue: 200, 437 relationshipBonus: { issuer: 'Bank of America', program: 'BofA Rewards' }, 438 bonusDesc: '$200 cash after $1,000 spend in 90 days', bonusShort: '$200 cash', 439 bestFor: 'Custom Category Cash Back', cardScore: 4.1, minScore: 'good', 440 categories: ['cashback','nofee'], 441 rates: { travel:3, dining:3, grocery:2, gas:3, online:3, other:1 }, 442 rateTiers: { among: ['travel', 'dining', 'gas', 'online'], tiers: [3], base: 1 }, // 3% in the one category you choose 443 foreignFee: '3%', rateLabel: '3% in your choice category', 444 applyUrl: 'https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/', 445 affiliateUrl: null, 446 cardArt: { bg: 'linear-gradient(135deg,#012169 0%,#022A8A 50%,#012169 100%)', highlight: 'rgba(227,24,55,.15)' }, 447 pros: ['No annual fee','Choose your 3% category (gas, dining, online, travel, drugstores, or home)','2% at grocery & wholesale clubs (up to $2,500/qtr)','Preferred Rewards bonus up to 75% more cash back'], 448 cons: ['3% foreign transaction fee','$2,500/qtr cap on 2%/3% categories','Best value requires BofA account'], 449 tags: ['No Annual Fee','Choose 3% Category','Cash Back','Customizable'], 450 guideUrl: '/guides/bofa-customized-cash-rewards-review-2026' 451 }, 452 { 453 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', 454 issuer: 'Bank of America', network: 'Visa', annualFee: 0, bonusValue: 250, 455 relationshipBonus: { issuer: 'Bank of America', program: 'BofA Rewards' }, 456 bonusDesc: '25,000 pts ($250) after $1,000 spend in 90 days', bonusShort: '25,000 pts', 457 bestFor: 'No-Fee Travel', cardScore: 4.0, minScore: 'good', 458 categories: ['travel','nofee'], 459 rates: { travel:1.5, dining:1.5, grocery:1.5, gas:1.5, online:1.5, other:1.5 }, 460 foreignFee: 'None', rateLabel: '1.5à on all purchases', 461 applyUrl: 'https://www.bankofamerica.com/credit-cards/products/travel-rewards-credit-card/', 462 affiliateUrl: null, 463 cardArt: { bg: 'linear-gradient(135deg,#012169 0%,#034EA2 50%,#012169 100%)', highlight: 'rgba(102,170,255,.15)' }, 464 pros: ['No annual fee','No foreign transaction fees','1.5à on every purchase','Redeem for any travel purchase as statement credit'], 465 cons: ['1.5à average rate','No bonus categories','Better with Preferred Rewards status'], 466 tags: ['No Annual Fee','No FTF','Travel','Flat 1.5Ã'], 467 guideUrl: '/guides/bofa-travel-rewards-review-2026' 468 }, 469 470 /* âââ U.S. BANK âââ */ 471 { 472 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', 473 issuer: 'U.S. Bank', network: 'Visa', annualFee: 0, bonusValue: 200, 474 bonusDesc: '20,000 pts ($200) after $1,000 spend in 90 days', bonusShort: '20,000 pts', 475 bestFor: 'Gas & Travel No-Fee', cardScore: 4.2, minScore: 'good', 476 categories: ['travel','nofee','gas'], 477 rates: { travel:5, dining:2, grocery:2, gas:4, online:2, other:1 }, 478 foreignFee: 'None', rateLabel: '4à at gas stations & EV charging', 479 applyUrl: 'https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html', 480 affiliateUrl: null, 481 cardArt: { bg: 'linear-gradient(135deg,#00205B 0%,#003087 50%,#00205B 100%)', highlight: 'rgba(212,175,55,.18)' }, 482 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'], 483 cons: ['Only 1à on most everyday categories','U.S. Bank relationship helps but not required','Perks require active registration'], 484 tags: ['No Annual Fee','Gas 4Ã','Travel 5Ã','TSA Credit'], 485 guideUrl: '/guides/usbank-altitude-connect-review-2026' 486 }, 487 488 /* âââ AIRLINE CARDS âââ */ 489 { 490 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', 491 issuer: 'American Express', network: 'Amex', annualFee: 150, bonusValue: 800, 492 bonusDesc: '80,000 miles after $2,000 spend in 6 months', bonusShort: '80,000 miles', 493 bestFor: 'Delta Flyers', cardScore: 4.2, minScore: 'good', 494 categories: ['travel','airline'], 495 rates: { travel:3, dining:2, grocery:2, gas:1, online:1, other:1 }, 496 foreignFee: 'None', rateLabel: '2à miles on Delta & dining', 497 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/delta-skym
497iles-gold-american-express-card/', 498 affiliateUrl: null, 499 cardArt: { bg: 'linear-gradient(135deg,#003366 0%,#004B87 50%,#6B0F0F 100%)', highlight: 'rgba(178,34,34,.2)' }, 500 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'], 501 cons: ['$150 annual fee (waived first year)','Miles less flexible than bank points','No lounge access'], 502 tags: ['Delta','First Bag Free','Priority Boarding','No FTF'], 503 guideUrl: '/guides/delta-skymiles-gold-vs-united-explorer-2026' 504 }, 505 { 506 id: 'united-explorer', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/62d94c60-29a7-11ef-b4f7-c5c0eef3d8bb.png', name: 'Unitedâ Explorer Card', 507 issuer: 'Chase', network: 'Visa', annualFee: 150, bonusValue: 600, 508 bonusDesc: '50,000 miles after $3,000 spend in 3 months', bonusShort: '50,000 miles', 509 bestFor: 'United Flyers', cardScore: 4.2, minScore: 'good', 510 categories: ['travel','airline'], 511 rates: { travel:3, dining:2, grocery:1, gas:1, online:1, other:1 }, 512 foreignFee: 'None', rateLabel: '2à on United & dining', 513 applyUrl: 'https://creditcards.chase.com/travel-credit-cards/united/united-explorer', 514 affiliateUrl: null, 515 cardArt: { bg: 'linear-gradient(135deg,#002244 0%,#003DA5 50%,#002244 100%)', highlight: 'rgba(212,175,55,.15)' }, 516 pros: ['First checked bag free','2 United Club one-time passes/yr','2à on United, dining & hotels','No foreign transaction fees','Priority boarding'], 517 cons: ['$150 annual fee','United miles less flexible','No lounge membership'], 518 tags: ['United','First Bag Free','United Club Passes','No FTF'], 519 guideUrl: '/guides/delta-skymiles-gold-vs-united-explorer-2026' 520 }, 521 522 /* âââ HOTEL CARDS âââ */ 523 { 524 id: 'marriott-bonvoy-boundless', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/d1fafda0-3781-11ee-88ac-8d33dad17a11.png', name: 'Marriott Bonvoy Boundless® Card', 525 issuer: 'Chase', network: 'Visa', annualFee: 95, bonusValue: 1030, 526 bonusDesc: '4 Free Night Awards (each worth up to 50,000 pts) after $3,000 spend in 3 months', bonusShort: '4 Free Nights', 527 bestFor: 'Marriott Loyalists', cardScore: 4.1, minScore: 'good', 528 categories: ['hotel','travel'], 529 rates: { travel:3, dining:2, grocery:2, gas:2, online:2, other:2 }, 530 foreignFee: 'None', rateLabel: '6à at Marriott properties', 531 applyUrl: 'https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless', 532 affiliateUrl: null, 533 cardArt: { bg: 'linear-gradient(135deg,#8B1A1A 0%,#A52929 50%,#6B1010 100%)', highlight: 'rgba(212,175,55,.2)' }, 534 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'], 535 cons: ['$95 annual fee','Marriott points have variable value','Only worthwhile if you stay at Marriott'], 536 tags: ['Hotel','Marriott','Free Night','Elite Status'], 537 guideUrl: '/guides/world-of-hyatt-vs-marriott-boundless-2026' 538 }, 539 { 540 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', 541 issuer: 'Chase', network: 'Visa', annualFee: 95, bonusValue: 650, 542 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', 543 bestFor: 'Hyatt Loyalists', cardScore: 4.5, minScore: 'good', 544 categories: ['hotel','travel'], 545 rates: { travel:2, dining:2, grocery:1, gas:1, online:1, other:1 }, 546 foreignFee: 'None', rateLabel: '4à at Hyatt properties', 547 applyUrl: 'https://creditcards.chase.com/worldofhyatt/naepcst?CELL=6D4C&jp_cmp=cc/Hyatt_Brand_Exact_Hyatt_SEM_US_NA_Standard_NA/sea/465134715489/World+of+Hyatt+Credit+Card&gclsrc=aw.ds&gad_source=1&gad_campaignid=243765746&gbraid=0AAAAAD3FB7hK-pYG5bLD6Cqlbq33niidL&gclid=CjwKCAjw857RBhAgEiwAI-1yKOMuvqWXl0JEbCTGSaexbzBCub-Lj5AjSsqe2vp-8xHMVjKIXmVKuBoCFJEQAvD_BwE', 548 affiliateUrl: null, 549 cardArt: { bg: 'linear-gradient(135deg,#1A2744 0%,#243560 50%,#1A2744 100%)', highlight: 'rgba(180,150,80,.22)' }, 550 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'], 551 cons: ['$95 annual fee','Only valuable if you stay at Hyatt','4à Hyatt points worth less than Chase UR at non-Hyatt'], 552 tags: ['Hotel','Hyatt','Free Night','Elite Status'], 553 guideUrl: '/guides/world-of-hyatt-vs-marriott-boundless-2026' 554 }, 555 { 556 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', 557 issuer: 'American Express', network: 'Amex', annualFee: 150, bonusValue: 900, 558 bonusDesc: '130,000 Hilton Honors Bonus Points after $3,000 spend in 6 months', bonusShort: '130,000 pts', 559 bestFor: 'Hilton Loyalists', cardScore: 4.3, minScore: 'good', 560 categories: ['hotel','travel'],
561 rates: { travel:7, dining:5, grocery:5, gas:3, online:3, other:3 }, 562 foreignFee: 'None', rateLabel: '12à at Hilton properties', 563 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/hilton-honors-surpass/', 564 affiliateUrl: null, 565 cardArt: { bg: 'linear-gradient(135deg,#1B4F72 0%,#2471A3 50%,#1A3A5C 100%)', highlight: 'rgba(255,215,0,.18)' }, 566 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'], 567 cons: ['$150 annual fee','Hilton points have lower per-point value','Weekend Night Reward requires high spend threshold'], 568 tags: ['Hotel','Hilton','Gold Status','Free Night'], 569 guideUrl: '/guides/hilton-honors-card-comparison-2026' 570 }, 571 { 572 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', 573 issuer: 'Chase', network: 'Mastercard', annualFee: 99, bonusValue: 750, 574 bonusDesc: '140,000 pts after $3,000 spend in 3 months', bonusShort: '140,000 pts', 575 bestFor: 'IHG / InterContinental Loyalists', cardScore: 4.2, minScore: 'good', 576 categories: ['hotel','travel'], 577 rates: { travel:5, dining:3, grocery:2, gas:2, online:2, other:3 }, 578 foreignFee: 'None', rateLabel: '26à at IHG properties', 579 applyUrl: 'https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier', 580 affiliateUrl: null, 581 cardArt: { bg: 'linear-gradient(135deg,#006341 0%,#007A50 50%,#004D32 100%)', highlight: 'rgba(212,175,55,.2)' }, 582 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'], 583 cons: ['$99 annual fee','IHG points have lower base value','Best value requires multi-night stays'], 584 tags: ['Hotel','IHG','Free Night','Platinum Elite'], 585 guideUrl: '/guides/best-hotel-credit-cards-2026' 586 }, 587 { 588 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', 589 issuer: 'American Express', network: 'Amex', annualFee: 650, bonusValue: 1450, 590 bonusDesc: '150,000 pts + $250 statement credit after $6,000 spend in 6 months (ends 9/30/26)', bonusShort: '150,000 pts + $250', 591 bestFor: 'Luxury Marriott Travelers', cardScore: 4.4, minScore: 'excellent', 592 categories: ['hotel','travel','bestoffers'], 593 rates: { travel:6, dining:3, grocery:2, gas:2, online:2, other:2 }, 594 foreignFee: 'None', rateLabel: '6à at Marriott properties', 595 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-brilliant/', 596 affiliateUrl: null, 597 cardArt: { bg: 'linear-gradient(135deg,#1A1A2E 0%,#16213E 50%,#0F3460 100%)', highlight: 'rgba(212,175,55,.25)' }, 598 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'], 599 cons: ['$650 annual fee','Must maximize credits to justify cost','Marriott points value varies significantly'], 600 tags: ['Hotel','Marriott','Platinum Elite','Lounge Access','Premium'], 601 guideUrl: '/guides/marriott-bonvoy-credit-cards-2026' 602 }, 603 604 /* âââ BALANCE TRANSFER â NEW âââ */ 605 { 606 id: 'wells-fargo-reflect', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/bd73df70-996f-11ec-81f6-95945bae99c9.png', name: 'Wells Fargo Reflect® Card', 607 issuer: 'Wells Fargo', network: 'Visa', annualFee: 0, bonusValue: 0, 608 bonusDesc: 'No bonus â 0% intro APR for 21 months on purchases & balance transfers', bonusShort: '0% APR 21 mo.', 609 bestFor: '0% APR & Balance Transfers', cardScore: 4.2, minScore: 'good', 610 categories: ['nofee','balancetransfer'], 611 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 612 foreignFee: '3%', rateLabel: '0% intro APR for 21 months', 613 applyUrl: 'https://creditcards.wellsfargo.com/reflect-visa-credit-card', 614 affiliateUrl: null, 615 cardArt: { bg: 'linear-gradient(135deg,#1A1A2E 0%,#2D2D4A 50%,#1A1A2E 100%)', highlight: 'rgba(136,136,255,.15)' }, 616 pros: ['0% intro APR for 21 months (one of the longest available)','No annual fee','Covers both purchases and balance transfers','Cellphone protection benefit'], 617 cons: ['3% foreign transaction fee','No rewards program','Not for everyday earning'], 618 tags: ['No Annual Fee','0% APR 21 Mo','Balance Transfer','No Rewards'], 619 guideUrl: '/guides/best-balance-transfer-credit-card-2026' 620 }, 621 622 /* âââ HOTEL â NEW âââ */ 623 { 624 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', 625 issuer: 'American Express', network: 'Amex', annualFee: 0, bonusValue: 560, 626 bonusDesc: '80,000 Hilton Honors Bonus Points after $2,000 spend in 6 months', bonusShort: '80,000 pts', 627 bestFor: 'No-Fee Hilton Card', cardScore: 4.1, minScore: 'good', 628 categories: ['hotel','nofee'], 629 rates: { travel:3, dining:5, grocery:5, gas:3, online:3, other:3 }, 630 foreignFee: 'None', rateLabel: '7à at Hilton properties', 631 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/hilton-honors/', 632 affiliateUrl: null, 633 cardArt: { bg: 'linear-gradient(135deg,#1C3F6E 0%,#0E5EA6 50%,#1C3F6E 100%)', highlight: 'rgba(255,215,0,.15)' }, 634 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'], 635 cons: ['Silver status offers limited perks','Hilton points lower per-point value','No annual free night benefit'], 636 tags: ['Hotel','Hilton','No Annual Fee','Silver Status'], 637 guideUrl: '/guides/hilton-honors-card-comparison-2026' 638 }, 639 { 640 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', 641 issuer: 'American Express', network: 'Amex', annualFee: 550, bonusValue: 1543, 642 bonusDesc: '150,000 Hilton Honors Bonus Points after $6,000 spend in 6 months', bonusShort: '150,000 pts', 643 bestFor: 'Luxury Hilton Travelers', cardScore: 4.5, minScore: 'excellent', 644 categories: ['hotel','travel','bestoffers'], 645 rates: { travel:7, dining:7, grocery:3, gas:3, online:3, other:3 }, 646 foreignFee: 'None', rateLabel: '14à at Hilton properties', 647 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/hilton-honors-aspire/', 648 affiliateUrl: null, 649 cardArt: { bg: 'linear-gradient(135deg,#1A0A00 0%,#4A2000 50%,#8B4513 100%)', highlight: 'rgba(255,215,0,.25)' }, 650 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'], 651 cons: ['$550 annual fee','Best value requires staying at Hilton properties','Hilton points less flexible than bank points'], 652 tags: ['Hotel','Hilton','Diamond Status','Free Night','Premium'], 653 guideUrl: '/guides/hilton-honors-card-comparison-2026' 654 }, 655 { 656 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', 657 issuer: 'Barclays', network: 'Visa', annualFee: 95, bonusValue: 700, 658 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', 659 bestFor: 'Wyndham & Gas Rewards', cardScore: 4.0, minScore: 'good', 660 categories: ['hotel','gas'], 661 rates: { travel:6, dining:4, grocery:4, gas:6, online:1, other:1 }, 662 foreignFee: 'None', rateLabel: '6à at Wyndham & gas stations', 663 applyUrl: 'https://cards.barclaycardus.com/banking/cards/wyndham-rewards-earner-plus-card/', 664 affiliateUrl: null, 665 cardArt: { bg: 'linear-gradient(135deg,#003366 0%,#005599 50%,#003366 100%)', highlight: 'rgba(102,170,255,.18)' }, 666 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'], 667 cons: ['$95 annual fee','Only valuable for Wyndham loyalists','Wyndham points worth less than bank points'], 668 tags: ['Hotel','Wyndham','Platinum Status','Gas 6Ã'], 669 guideUrl: '/guides/best-hotel-credit-cards-2026' 670 }, 671 672 /* âââ AIRLINE â NEW âââ */ 673 { 674 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', 675 issuer: 'Chase', network: 'Visa', annualFee: 99, bonusValue: 600, 676 bonusDesc: '50,000 pts after $1,000 spend in 3 months', bonusShort: '50,000 pts', 677 bestFor: 'Southwest Beginner Card', cardScore: 4.0, minScore: 'good', 678 categories: ['airline','travel'],
679 rates: { travel:2, dining:2, grocery:1, gas:1, online:1, other:1 }, 680 foreignFee: 'None', rateLabel: '2à on Southwest & partner purchases', 681 applyUrl: 'https://creditcards.chase.com/travel-credit-cards/southwest/plus', 682 affiliateUrl: null, 683 cardArt: { bg: 'linear-gradient(135deg,#DB1F26 0%,#A81820 50%,#DB1F26 100%)', highlight: 'rgba(255,200,0,.2)' }, 684 pros: ['Earns toward Companion Pass','2à on Southwest purchases','No change or cancellation fees','3,000 anniversary bonus points','No foreign transaction fees'], 685 cons: ['$99 annual fee','Only valuable for Southwest flyers','Lower earn rate than mid-tier cards'], 686 tags: ['Airline','Southwest','Companion Pass','No FTF'], 687 guideUrl: '/guides/southwest-rapid-rewards-plus-vs-priority-2026' 688 }, 689 { 690 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', 691 issuer: 'Chase', network: 'Visa', annualFee: 229, bonusValue: 720, 692 bonusDesc: '60,000 pts after $2,000 spend in 3 months', bonusShort: '60,000 pts', 693 bestFor: 'Frequent Southwest Flyers', cardScore: 4.3, minScore: 'good', 694 categories: ['airline','travel','bestoffers'], 695 rates: { travel:3, dining:2, grocery:1, gas:1, online:1, other:1 }, 696 foreignFee: 'None', rateLabel: '3à on Southwest purchases', 697 applyUrl: 'https://creditcards.chase.com/travel-credit-cards/southwest/priority', 698 affiliateUrl: null, 699 cardArt: { bg: 'linear-gradient(135deg,#DB1F26 0%,#A81820 50%,#DB1F26 100%)', highlight: 'rgba(255,200,0,.22)' }, 700 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'], 701 cons: ['$229 annual fee','Only valuable for Southwest flyers','Travel credit is statement credit, not flexible cash'], 702 tags: ['Airline','Southwest','Travel Credit','Priority'], 703 guideUrl: '/guides/southwest-rapid-rewards-plus-vs-priority-2026' 704 }, 705 { 706 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', 707 issuer: 'American Express', network: 'Amex', annualFee: 350, bonusValue: 1500, 708 bonusDesc: 'Up to 90,000 miles after $3,000 spend in 6 months', bonusShort: 'Up to 90,000 miles', 709 bestFor: 'Frequent Delta Flyers', cardScore: 4.3, minScore: 'good', 710 categories: ['airline','travel'], 711 rates: { travel:3, dining:2, grocery:2, gas:1, online:1, other:1 }, 712 foreignFee: 'None', rateLabel: '3à miles on Delta & hotel purchases', 713 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-platinum-american-express-card', 714 affiliateUrl: null, 715 cardArt: { bg: 'linear-gradient(135deg,#003366 0%,#1A4A8A 50%,#8B0000 100%)', highlight: 'rgba(178,34,34,.2)' }, 716 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'], 717 cons: ['$350 annual fee','Miles less flexible than bank points','Companion cert restricted to domestic main cabin'], 718 tags: ['Airline','Delta','Companion Cert','MQD Boost'], 719 guideUrl: '/guides/best-airline-credit-cards-2026' 720 }, 721 { 722 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', 723 issuer: 'American Express', network: 'Amex', annualFee: 650, bonusValue: 1500, 724 bonusDesc: 'Up to 100,000 miles after $5,000 spend in 6 months', bonusShort: 'Up to 100,000 miles', 725 bestFor: 'Delta Lounge Access & Elite Status', cardScore: 4.4, minScore: 'excellent', 726 categories: ['airline','travel','bestoffers'], 727 rates: { travel:3, dining:1, grocery:1, gas:1, online:1, other:1 }, 728 foreignFee: 'None', rateLabel: '3à miles on Delta purchases', 729 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/delta-skym
729iles-reserve-american-express-card/', 730 affiliateUrl: null, 731 cardArt: { bg: 'linear-gradient(135deg,#1A1A1A 0%,#2D2D2D 50%,#1A1A1A 100%)', highlight: 'rgba(178,34,34,.22)' }, 732 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'], 733 cons: ['$650 annual fee','Sky Club access capped at 15 visits/yr','Only worthwhile for frequent Delta travelers'], 734 tags: ['Airline','Delta','Sky Club','Premium','Companion Cert'], 735 guideUrl: '/guides/best-airline-credit-cards-2026' 736 }, 737 { 738 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®', 739 issuer: 'Citi', network: 'Mastercard', annualFee: 0, bonusValue: 800, 740 bonusDesc: '80,000 miles after $3,500 spend in 4 months', bonusShort: '80,000 miles', 741 bestFor: 'American Airlines Flyers', cardScore: 4.1, minScore: 'good', 742 categories: ['airline','travel'], 743 rates: { travel:2, dining:2, grocery:1, gas:2, online:1, other:1 }, 744 foreignFee: 'None', rateLabel: '2à on American Airlines, dining & gas', 745 applyUrl: 'https://www.citi.com/credit-cards/citi-aadvantage-platinum-select-world-elite-mastercard', 746 affiliateUrl: null, 747 cardArt: { bg: 'linear-gradient(135deg,#0078D2 0%,#00539C 50%,#CC2529 100%)', highlight: 'rgba(0,120,210,.2)' }, 748 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'], 749 cons: ['$99 annual fee, waived the first year','AAdvantage miles less flexible','Requires moderate-high spend for flight discount'], 750 tags: ['Airline','American Airlines','First Bag Free','No FTF'], 751 guideUrl: '/guides/best-airline-credit-cards-2026' 752 }, 753 { 754 id: 'aadvantage-mileup', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/6a8b0440-c26e-11ed-b5f1-9954c274724b.webp', name: 'American Airlines AAdvantage® MileUp® Card', 755 issuer: 'Citi', network: 'Mastercard', annualFee: 0, bonusValue: 150, 756 bonusDesc: '15,000 miles after $500 spend in 3 months', bonusShort: '15,000 miles', 757 bestFor: 'No-Fee American Airlines Card', cardScore: 3.9, minScore: 'good', 758 categories: ['airline','nofee'], 759 rates: { travel:2, dining:1, grocery:2, gas:1, online:1, other:1 }, 760 foreignFee: '3%', rateLabel: '2à on American Airlines & grocery stores', 761 applyUrl: 'https://www.citi.com/credit-cards/aadvantage-mile-up-credit-card', 762 affiliateUrl: null, 763 cardArt: { bg: 'linear-gradient(135deg,#0078D2 0%,#003E8F 50%,#CC2529 100%)', highlight: 'rgba(0,120,210,.18)' }, 764 pros: ['No annual fee','2à on American Airlines purchases','2à at grocery stores','10% mileage savings on award travel','No annual fee ever'], 765 cons: ['3% foreign transaction fee','Small welcome bonus','No free checked bag benefit'], 766 tags: ['Airline','American Airlines','No Annual Fee','Grocery 2Ã'], 767 guideUrl: '/guides/best-airline-credit-cards-2026' 768 }, 769 770 /* âââ BUSINESS CARDS (NEW CATEGORY) âââ */ 771 { 772 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', 773 issuer: 'Chase', network: 'Visa', annualFee: 0, bonusValue: 1000, 774 bonusDesc: '$1,000 cash after $8,000 spend in 4 months', bonusShort: '$1,000 cash', 775 bestFor: 'Simple Business Cash Back', cardScore: 4.6, minScore: 'good', 776 categories: ['business','cashback','nofee'], 777 rates: { travel:1.5, dining:1.5, grocery:1.5, gas:1.5, online:1.5, other:1.5 }, 778 foreignFee: '3%', rateLabel: 'Unlimited 1.5% cash back on all purchases', 779 applyUrl: 'https://creditcards.chase.com/business-credit-cards/ink/unlimited', 780 affiliateUrl: null, 781 cardArt: { bg: 'linear-gradient(135deg,#0A2342 0%,#1A3F6F 45%,#0D2A4A 100%)', highlight: 'rgba(74,144,217,.22)' }, 782 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'], 783 cons: ['3% foreign transaction fee','No bonus categories','Higher spend threshold for welcome offer'], 784 tags: ['Business','No Annual Fee','Flat 1.5%','Simple'], 785 guideUrl: '/guides/best-business-credit-cards-2026' 786 }, 787 { 788 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', 789 issuer: 'Chase', network: 'Visa', annualFee: 0, bonusValue: 1000, 790 bonusDesc: '$1,000 cash after $8,000 spend in 4 months', bonusShort: '$1,000 cash', 791 bestFor: 'Office & Telecom Business Spend', cardScore: 4.5, minScore: 'good', 792 categories: ['business','cashback','nofee'], 793 rates: { travel:5, dining:2, grocery:2, gas:2, online:5, other:1 }, 794 foreignFee: '3%', rateLabel: '5% on office supplies & telecom (up to $25k/yr)', 795 applyUrl: 'https://creditcards.chase.com/business-credit-cards/ink/cash', 796 affiliateUrl: null, 797 cardArt: { bg: 'linear-gradient(135deg,#003087 0%,#001A5E 50%,#003087 100%)', highlight: 'rgba(74,144,217,.2)' }, 798 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'], 799 cons: ['3% foreign transaction fee','5% capped at $25k/yr','Only 1% on most other categories'], 800 tags: ['Business','No Annual Fee','Office 5%','Telecom 5%'], 801 guideUrl: '/guides/ink-business-cash-review-2026' 802 }, 803 { 804 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', 805 issuer: 'Chase', network: 'Visa', annualFee: 95, bonusValue: 1250, 806 bonusDesc: '100,000 pts after $8,000 spend in 3 months', bonusShort: '100,000 pts', 807 bestFor: 'Best Business Travel Rewards', cardScore: 4.7, minScore: 'good', 808 categories: ['business','travel','bestoffers'], 809 rates: { travel:3, dining:3, grocery:3, gas:3, online:3, other:1 }, 810 foreignFee: 'None', rateLabel: '3à on travel, shipping, ads & telecom (up to $150k/yr)', 811 applyUrl: 'https://creditcards.chase.com/business-credit-cards/ink/business-preferred', 812 affiliateUrl: null, 813 cardArt: { bg: 'linear-gradient(135deg,#0A2342 0%,#1A3060 50%,#0A2342 100%)', highlight: 'rgba(74,144,217,.25)' }, 814 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'], 815 cons: ['$95 annual fee','3à only up to $150k/yr combined','Higher spend threshold for bonus'], 816 tags: ['Business','Travel','No FTF','90K Bonus'], 817 guideUrl: '/guides/best-business-credit-cards-2026' 818 }, 819 { 820 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', 821 issuer: 'American Express', network: 'Amex', annualFee: 0, bonusValue: 250, 822 bonusDesc: '$250 statement credit after $3,000 spend in 3 months', bonusShort: '$250 credit', 823 bestFor: 'Simple Business Cash Back', cardScore: 4.2, minScore: 'good', 824 categories: ['business','cashback','nofee'], 825 rates: { travel:2, dining:2, grocery:2, gas:2, online:2, other:2 }, 826 foreignFee: '2.7%', rateLabel: '2% cash back on all purchases (up to $50k/yr)',
827 applyUrl: 'https://www.americanexpress.com/en-us/business/credit-cards/blue-business-cash', 828 affiliateUrl: null, 829 cardArt: { bg: 'linear-gradient(135deg,#005A9C 0%,#0077A8 50%,#003E78 100%)', highlight: 'rgba(84,184,232,.18)' }, 830 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'], 831 cons: ['2.7% foreign transaction fee','2% capped at $50k/yr (1% after)','No category bonuses'], 832 tags: ['Business','No Annual Fee','Flat 2%','Cash Back'], 833 guideUrl: '/guides/best-business-credit-cards-2026' 834 }, 835 { 836 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', 837 issuer: 'American Express', network: 'Amex', annualFee: 0, bonusValue: 250, 838 bonusDesc: '15,000 Membership Rewards pts after $3,000 spend in 3 months', bonusShort: '15,000 pts', 839 bestFor: 'Flexible Business Points', cardScore: 4.3, minScore: 'good', 840 categories: ['business','travel','nofee'], 841 rates: { travel:2, dining:2, grocery:2, gas:2, online:2, other:2 }, 842 foreignFee: '2.7%', rateLabel: '2à Membership Rewards on all purchases (up to $50k/yr)', 843 applyUrl: 'https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/offers/blue-dual/', 844 affiliateUrl: null, 845 cardArt: { bg: 'linear-gradient(135deg,#003E78 0%,#0055AA 50%,#003E78 100%)', highlight: 'rgba(84,184,232,.18)' }, 846 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'], 847 cons: ['2.7% foreign transaction fee','2à capped at $50k/yr','No travel credits or perks'], 848 tags: ['Business','No Annual Fee','Amex Points','Flat 2Ã'], 849 guideUrl: '/guides/amex-blue-business-plus-review-2026' 850 }, 851 { 852 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', 853 issuer: 'American Express', network: 'Amex', annualFee: 375, bonusValue: 3000, 854 bonusDesc: 'Up to 200,000 pts after $15,000 spend in 3 months (varies by applicant)', bonusShort: 'Up to 200,000 pts', 855 bestFor: 'Business Bonus Category Earner', cardScore: 4.4, minScore: 'good', 856 categories: ['business','travel','bestoffers'], 857 rates: { travel:3, dining:4, grocery:4, gas:4, online:4, other:1 }, 858 foreignFee: 'None', rateLabel: '4à on top 2 business spend categories automatically', 859 applyUrl: 'https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/', 860 affiliateUrl: null, 861 cardArt: { bg: 'linear-gradient(135deg,#B8820A 0%,#E8B931 30%,#9A6B0C 60%,#C9951A 100%)', highlight: 'rgba(255,245,204,.15)' }, 862 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'], 863 cons: ['$375 annual fee','4à capped at $150k/yr combined in top categories','High bonus spend threshold'], 864 tags: ['Business','Travel','4à Auto','No FTF'], 865 guideUrl: '/guides/amex-business-gold-review-2026' 866 }, 867 { 868 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', 869 issuer: 'American Express', network: 'Amex', annualFee: 695, bonusValue: 4000, 870 bonusDesc: 'Up to 300,000 pts after $20,000 spend in 3 months (varies by applicant)', bonusShort: 'Up to 300,000 pts', 871 bestFor: 'Premium Business Travel', cardScore: 4.5, minScore: 'excellent', 872 categories: ['business','travel','bestoffers'], 873 rates: { travel:5, dining:1, grocery:1, gas:1, online:1, other:1 }, 874 foreignFee: 'None', rateLabel: '5à on flights & prepaid hotels via Amex Travel', 875 applyUrl: 'https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex', 876 affiliateUrl: null, 877 cardArt: { bg: 'linear-gradient(135deg,#7A7A7A 0%,#C0C0C0 40%,#A8A8A8 65%,#686868 100%)', highlight: 'rgba(232,232,232,.2)' }, 878 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'], 879 cons: ['$695 annual fee','High spend threshold for welcome bonus','Credits require careful tracking'], 880 tags: ['Business','Premium','Lounge Access','$200 Air Credit','No FTF'], 881 guideUrl: '/guides/amex-business-platinum-review-2026' 882 }, 883 {
884 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', 885 issuer: 'Capital One', network: 'Mastercard', annualFee: 150, bonusValue: 2000, 886 bonusDesc: '$2,000 cash after $30,000 spend in 3 months', bonusShort: '$2,000 cash', 887 bestFor: 'High-Spend Business Cash Back', cardScore: 4.3, minScore: 'good', 888 categories: ['business','cashback'], 889 rates: { travel:5, dining:2, grocery:2, gas:2, online:2, other:2 }, 890 foreignFee: 'None', rateLabel: 'Unlimited 2% cash back on all purchases', 891 applyUrl: 'https://www.capitalone.com/small-business/credit-cards/spark-cash-plus/', 892 affiliateUrl: null, 893 cardArt: { bg: 'linear-gradient(135deg,#1A1A1A 0%,#333333 50%,#1A1A1A 100%)', highlight: 'rgba(255,100,0,.18)' }, 894 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'], 895 cons: ['$150 annual fee','Must pay balance in full monthly (charge card)','2% fee refund only at $150k+ spend'], 896 tags: ['Business','Flat 2%','No FTF','High Spend'], 897 guideUrl: '/guides/best-business-credit-cards-2026' 898 }, 899 900 /* âââ SECURED / BUILDING CREDIT (NEW CATEGORY) âââ */ 901 { 902 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', 903 issuer: 'Discover', network: 'Discover', annualFee: 0, bonusValue: 150, 904 bonusDesc: 'Cashback Match⢠â all first-year cash back doubled', bonusShort: 'Cashback Matchâ¢', 905 bestFor: 'Building Credit with Rewards', cardScore: 4.5, minScore: 'poor', 906 categories: ['secured','cashback','nofee'], 907 rates: { travel:1, dining:2, grocery:1, gas:2, online:1, other:1 }, 908 foreignFee: 'None', rateLabel: '2% at gas stations & restaurants (up to $1k/qtr)', 909 applyUrl: 'https://www.discover.com/credit-cards/secured/', 910 affiliateUrl: null, 911 cardArt: { bg: 'linear-gradient(135deg,#F76F20 0%,#E85D11 50%,#C44A0A 100%)', highlight: 'rgba(255,170,102,.2)' }, 912 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'], 913 cons: ['Requires security deposit ($200â$2,500)','Less accepted internationally','Lower credit limit tied to deposit'], 914 tags: ['Secured','No Annual Fee','Build Credit','Cashback Match'], 915 guideUrl: '/guides/best-first-credit-card-2026' 916 }, 917 { 918 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', 919 issuer: 'Capital One', network: 'Mastercard', annualFee: 0, bonusValue: 0, 920 bonusDesc: 'No welcome bonus â designed for credit building', bonusShort: 'Credit Builder', 921 bestFor: 'Building Credit â No Credit History', cardScore: 4.1, minScore: 'poor', 922 categories: ['secured','nofee'], 923 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 924 foreignFee: 'None', rateLabel: 'No rewards â build credit first', 925 applyUrl: 'https://www.capitalone.com/credit-cards/platinum-secured/', 926 affiliateUrl: null, 927 cardArt: { bg: 'linear-gradient(135deg,#1A1A3E 0%,#2A2A5C 50%,#1A1A3E 100%)', highlight: 'rgba(136,136,255,.15)' }, 928 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'], 929 cons: ['No rewards program','Requires security deposit','No welcome bonus'], 930 tags: ['Secured','No Annual Fee','Build Credit','Low Deposit'], 931 guideUrl: '/guides/best-first-credit-card-2026' 932 }, 933 { 934 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', 935 issuer: 'Chase', network: 'Visa', annualFee: 0, bonusValue: 25, 936 bonusDesc: '$25 for enrolling in autopay + intro 3% dining (first $6,000 in 6 months)', bonusShort: '$25 + 3% dining', 937 bestFor: 'First Credit Card / Credit Building', cardScore: 4.0, minScore: 'poor', 938 categories: ['secured','cashback','nofee','student'], 939 rates: { travel:1.5, dining:1.5, grocery:1.5, gas:1.5, online:1.5, other:1.5 }, 940 foreignFee: '3%', rateLabel: '1.5% cash back on every purchase', 941 applyUrl: 'https://creditcards.chase.com/cash-back-credit-cards/freedom/rise', 942 affiliateUrl: null, 943 cardArt: { bg: 'linear-gradient(135deg,#0A5C9C 0%,#1A7DC4 55%,#0A5C9C 100%)', highlight: 'rgba(74,184,240,.2)' }, 944 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'], 945 cons: ['3% foreign transaction fee','Harder to get without existing Chase banking relationship','Lower rewards than other 1.5% cards'], 946 tags: ['No Annual Fee','Build Credit','1.5% Cash Back','No Deposit'], 947 guideUrl: '/guides/best-first-credit-card-2026' 948 }, 949 950 /* âââ OPENSKY SECURED CARDS âââ */ 951 { 952 id: 'opensky-plus-secured', cardImage: 'images/cards/opensky-plus-secured.svg', name: 'OpenSky® Plus Secured Visa® Credit Card', 953 issuer: 'OpenSky', network: 'Visa', annualFee: 0, bonusValue: 70, 954 bonusDesc: 'Up to $70 bonus for funding your deposit same day ($30 with $500, $70 with $1,000)', bonusShort: 'Up to $70', 955 bestFor: 'Building Credit â No Credit Check, No Bank Account Needed', cardScore: 3.8, minScore: 'poor', 956 categories: ['secured','nofee'], 957 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 958 foreignFee: '3%', rateLabel: 'Up to 10% cash back via linked merchant offers', 959 applyUrl: 'https://www.openskycc.com/', 960 affiliateUrl: null, 961 cardArt: { bg: 'linear-gradient(135deg,#005F73 0%,#0A9DB5 55%,#003E50 100%)', highlight: 'rgba(100,220,240,.15)' }, 962 pros: [
963 'No annual fee â zero cost to hold the card', 964 'No credit check required â approval based on deposit, not credit score', 965 'No bank account required to apply (rare for secured cards)', 966 'Reports to all three major credit bureaus monthly', 967 'Up to 10% cash back at select merchants via OpenSky Rewards program', 968 'Credit limit matches deposit (up to $3,000)' 969 ], 970 cons: [ 971 'Requires $300 minimum security deposit (higher than competitors)', 972 'High variable APR (28.24%) â pay in full each month', 973 'Cash back only through pre-linked merchant offers, not automatic', 974 'No welcome bonus', 975 '3% foreign transaction fee', 976 'No path to unsecured upgrade program announced' 977 ], 978 tags: ['Secured','No Annual Fee','No Credit Check','No Bank Account','Build Credit'], 979 guideUrl: '/guides/best-credit-cards-for-beginners-2026' 980 }, 981 { 982 id: 'opensky-launch-secured', cardImage: 'images/cards/opensky-launch-secured.svg', name: 'OpenSky® Launch Secured Visa® Credit Card', 983 issuer: 'OpenSky', network: 'Visa', annualFee: 24, bonusValue: 0, 984 bonusDesc: 'No welcome bonus â credit-building focus', bonusShort: 'No Bonus', 985 bestFor: 'Lowest Deposit Entry â Start Credit at $150', cardScore: 3.6, minScore: 'poor', 986 categories: ['secured'], 987 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 988 foreignFee: '3%', rateLabel: 'Up to 10% cash back via linked merchant offers', 989 applyUrl: 'https://www.openskycc.com/', 990 affiliateUrl: null, 991 cardArt: { bg: 'linear-gradient(135deg,#7A8FA8 0%,#B5C4D2 50%,#5C7080 100%)', highlight: 'rgba(255,255,255,.15)' }, 992 pros: [ 993 'Lowest minimum deposit of the three OpenSky cards â just $150 to start', 994 'No credit check required â approval based on deposit', 995 'No bank account required to apply', 996 'Reports to all three major credit bureaus monthly', 997 'Up to 10% cash back at select merchants via OpenSky Rewards', 998 'Easy entry point for those new to credit' 999 ], 1000 cons: [ 1001 '$2/month fee in year one ($24/year), rising to $3/month ($36/year) thereafter', 1002 'Lower maximum credit limit â capped at $1,000', 1003 'High variable APR (28.24%)', 1004 'Cash back only through pre-linked merchant offers, not automatic', 1005 'No welcome bonus', 1006 '3% foreign transaction fee' 1007 ], 1008 tags: ['Secured','Low Deposit','No Credit Check','No Bank Account','$150 Deposit'], 1009 guideUrl: '/guides/best-secured-credit-cards-2026' 1010 }, 1011 { 1012 id: 'opensky-secured-visa', cardImage: 'images/cards/opensky-secured-visa.svg', name: 'OpenSky® Secured Visa® Credit Card', 1013 issuer: 'OpenSky', network: 'Visa', annualFee: 35, bonusValue: 20, 1014 bonusDesc: '$20 statement credit when you fund a minimum $300 deposit same day', bonusShort: '$20 credit', 1015 bestFor: 'Building Credit â The Original OpenSky Card', cardScore: 3.5, minScore: 'poor', 1016 categories: ['secured'], 1017 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 1018 foreignFee: '3%', rateLabel: 'Up to 10% cash back via linked merchant offers', 1019 applyUrl: 'https://www.openskycc.com/', 1020 affiliateUrl: null, 1021 cardArt: { bg: 'linear-gradient(135deg,#003D8F 0%,#0062B8 55%,#001F60 100%)', highlight: 'rgba(100,160,255,.15)' }, 1022 pros: [ 1023 'No credit check required â accessible to any credit profile', 1024 'Lower APR (23.89%) compared to other OpenSky cards', 1025 'Credit limit up to $3,000 matching your deposit', 1026 'Reports to all three major credit bureaus monthly', 1027 'Up to 10% cash back at select merchants via OpenSky Rewards', 1028 'Established product with long track record' 1029 ], 1030 cons: [ 1031 '$35 annual fee â competitors offer $0-fee secured cards', 1032 '3% foreign transaction fee', 1033 'Bonus requires funding $300 same day â well above the $200 minimum deposit', 1034 'Cash back only through pre-linked merchant offers, not automatic', 1035 '$200 minimum deposit required',
1036 'No announced path to unsecured upgrade' 1037 ], 1038 tags: ['Secured','No Credit Check','No Bank Account','Lower APR','$35 Fee'], 1039 guideUrl: '/guides/best-secured-credit-cards-2026' 1040 }, 1041 1042 /* âââ STUDENT â NEW âââ */ 1043 { 1044 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', 1045 issuer: 'Discover', network: 'Discover', annualFee: 0, bonusValue: 150, 1046 bonusDesc: 'Cashback Match⢠on all first-year cash back', bonusShort: 'Cashback Matchâ¢', 1047 bestFor: 'Students â Gas & Dining', cardScore: 4.1, minScore: 'poor', 1048 categories: ['student','cashback','nofee'], 1049 rates: { travel:1, dining:2, grocery:1, gas:2, online:1, other:1 }, 1050 foreignFee: 'None', rateLabel: '2% at gas & restaurants (up to $1k/qtr)', 1051 applyUrl: 'https://www.discover.com/credit-cards/student-credit-card/chrome-card.html', 1052 affiliateUrl: null, 1053 cardArt: { bg: 'linear-gradient(135deg,#575757 0%,#888888 40%,#5E5E5E 70%,#3A3A3A 100%)', highlight: 'rgba(247,111,32,.18)' }, 1054 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'], 1055 cons: ['Less accepted internationally than Visa/MC','2% capped at $1,000/quarter','Only 1% outside gas & restaurants'], 1056 tags: ['Student','No Annual Fee','Gas 2Ã','Dining 2Ã','Cashback Match'], 1057 guideUrl: '/guides/discover-it-student-chrome-review-2026' 1058 }, 1059 1060 { 1061 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', 1062 issuer: 'Capital One', network: 'Visa', annualFee: 0, bonusValue: 100, 1063 bonusDesc: '$100 cash after $300 spend in 3 months', bonusShort: '$100 cash', 1064 bestFor: 'Flat-Rate Rewards for Students', cardScore: 4.0, minScore: 'poor', 1065 categories: ['student','cashback','nofee'], 1066 rates: { travel:5, dining:1.5, grocery:1.5, gas:1.5, online:1.5, other:1.5 }, 1067 foreignFee: 'None', rateLabel: '1.5% cash back on every purchase', 1068 applyUrl: 'https://www.capitalone.com/credit-cards/quicksilver-student/', 1069 affiliateUrl: null, 1070 cardArt: { bg: 'linear-gradient(135deg,#1C1C1C 0%,#363636 50%,#1C1C1C 100%)', highlight: 'rgba(192,192,192,.15)' }, 1071 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'], 1072 cons: ['1.5% flat rate won\'t beat category cards','$50 bonus is smaller than many competitors','No special student perks beyond basic benefits'], 1073 tags: ['Student','No Annual Fee','Flat 1.5%','No FTF'], 1074 guideUrl: '/guides/capital-one-quicksilver-student-review-2026' 1075 }, 1076 1077 { 1078 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', 1079 issuer: 'Capital One', network: 'Mastercard', annualFee: 0, bonusValue: 100, 1080 bonusDesc: '$100 cash after $300 spend in 3 months', bonusShort: '$100 cash', 1081 bestFor: 'Dining & Entertainment for Students', cardScore: 4.3, minScore: 'poor', 1082 categories: ['student','cashback','nofee','dining'], 1083 rates: { travel:5, dining:3, grocery:3, gas:1, online:3, other:1 }, 1084 foreignFee: 'None', rateLabel: '3% on dining, grocery, entertainment & streaming', 1085 applyUrl: 'https://www.capitalone.com/credit-cards/savor-student/', 1086 affiliateUrl: null, 1087 cardArt: { bg: 'linear-gradient(135deg,#1A0A28 0%,#2D1045 50%,#1A0A28 100%)', highlight: 'rgba(192,96,255,.18)' }, 1088 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'],
1089 cons: ['Only 1% on gas and most other purchases','$50 welcome bonus is small','No intro APR offer'], 1090 tags: ['Student','No Annual Fee','Dining 3Ã','No FTF','Entertainment 3Ã'], 1091 guideUrl: '/guides/best-student-credit-cards-2026' 1092 }, 1093 1094 { 1095 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', 1096 issuer: 'Bank of America', network: 'Visa', annualFee: 0, bonusValue: 250, 1097 relationshipBonus: { issuer: 'Bank of America', program: 'BofA Rewards' }, 1098 bonusDesc: '25,000 pts ($250) after $1,000 spend in 90 days', bonusShort: '25,000 pts', 1099 bestFor: 'Student Travelers â No FTF', cardScore: 4.0, minScore: 'fair', 1100 categories: ['student','travel','nofee'], 1101 rates: { travel:3, dining:1.5, grocery:1.5, gas:1.5, online:1.5, other:1.5 }, 1102 foreignFee: 'None', rateLabel: '1.5à points on all purchases; 3à on travel', 1103 applyUrl: 'https://www.bankofamerica.com/credit-cards/products/student-rewards-credit-card/', 1104 affiliateUrl: null, 1105 cardArt: { bg: 'linear-gradient(135deg,#012169 0%,#034EA2 50%,#012169 100%)', highlight: 'rgba(102,170,255,.15)' }, 1106 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'], 1107 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'], 1108 tags: ['Student','No Annual Fee','No FTF','Travel','Study Abroad'], 1109 guideUrl: '/guides/bofa-travel-rewards-student-review-2026' 1110 }, 1111 1112 { 1113 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', 1114 issuer: 'Bank of America', network: 'Visa', annualFee: 0, bonusValue: 200, 1115 relationshipBonus: { issuer: 'Bank of America', program: 'BofA Rewards' }, 1116 bonusDesc: '$200 cash after $1,000 spend in 90 days', bonusShort: '$200 cash', 1117 bestFor: 'Choose-Your-Category Cash Back for Students', cardScore: 4.1, minScore: 'fair', 1118 categories: ['student','cashback','nofee'], 1119 rates: { travel:3, dining:2, grocery:2, gas:3, online:3, other:1 }, 1120 foreignFee: '3%', rateLabel: '3% in your choice category', 1121 applyUrl: 'https://www.bankofamerica.com/credit-cards/products/student-cash-back-credit-card/', 1122 affiliateUrl: null, 1123 cardArt: { bg: 'linear-gradient(135deg,#012169 0%,#022A8A 50%,#012169 100%)', highlight: 'rgba(227,24,55,.15)' }, 1124 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'], 1125 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'], 1126 tags: ['Student','No Annual Fee','Choose 3% Category','$200 Bonus','Cash Back'], 1127 guideUrl: '/guides/bofa-customized-cash-student-review-2026' 1128 }, 1129 1130 { 1131 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', 1132 issuer: 'Bank of America', network: 'Visa', annualFee: 0, bonusValue: 250, 1133 relationshipBonus: { issuer: 'Bank of America', program: 'BofA Rewards' }, 1134 bonusDesc: '$250 cash after $1,000 spend in 90 days', bonusShort: '$250 cash', 1135 bestFor: 'Simple Flat Cash Back for Students', cardScore: 3.9, minScore: 'fair', 1136 categories: ['student','cashback','nofee'], 1137 rates: { travel:1.5, dining:1.5, grocery:1.5, gas:1.5, online:1.5, other:1.5 }, 1138 foreignFee: '3%', rateLabel: '1.5% unlimited cash back on all purchases', 1139 applyUrl: 'https://www.bankofamerica.com/credit-cards/products/unlimited-cash-back-student-credit-card/', 1140 affiliateUrl: null, 1141 cardArt: { bg: 'linear-gradient(135deg,#012169 0%,#044496 50%,#012169 100%)', highlight: 'rgba(102,153,255,.15)' }, 1142 pros: ['No annual fee','Unlimited 1.5% cash back on every purchase â no categories','$250 wel
1142come bonus after $1,000 spend','0% intro APR for 15 billing cycles on purchases','Free FICO credit score access','Cash back never expires'], 1143 cons: ['3% foreign transaction fee','No bonus categories â flat rate only','No standout student-specific perks'], 1144 tags: ['Student','No Annual Fee','Flat 1.5%','$200 Bonus','Simple'], 1145 guideUrl: '/guides/bofa-unlimited-cash-student-review-2026' 1146 }, 1147 1148 /* âââ LUXURY / METAL CARDS âââ */ 1149 { 1150 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¢', 1151 issuer: 'Luxury Card', network: 'Mastercard', annualFee: 299, bonusValue: 0, 1152 bonusDesc: 'No welcome bonus â Priority Pass Select and 24/7 concierge included', bonusShort: 'No Bonus', 1153 bestFor: 'Metal Card â Priority Pass & Concierge', cardScore: 2.8, minScore: 'excellent', 1154 categories: ['travel','cashback'], 1155 rates: { travel:2, dining:1, grocery:1, gas:1, online:1, other:1 }, 1156 foreignFee: 'None', rateLabel: '1% cashback; 2% for airfare redemptions', 1157 applyUrl: 'https://www.luxurycard.com/titaniumcard', 1158 affiliateUrl: null, 1159 cardArt: { bg: 'linear-gradient(135deg,#3D3D3D 0%,#7A7A7A 35%,#9E9E9E 50%,#6A6A6A 70%,#3D3D3D 100%)', highlight: 'rgba(200,200,200,.2)' }, 1160 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'], 1161 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'], 1162 tags: ['Luxury','Metal Card','Priority Pass','Concierge'], 1163 guideUrl: '/guides/mastercard-titanium-card-review-2026' 1164 }, 1165 { 1166 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¢', 1167 issuer: 'Luxury Card', network: 'Mastercard', annualFee: 699, bonusValue: 0, 1168 bonusDesc: 'No welcome bonus â $200 annual airline credit + Priority Pass included', bonusShort: 'No Bonus', 1169 bestFor: 'Luxury Metal Card â Priority Pass & $200 Air Credit', cardScore: 3.0, minScore: 'excellent', 1170 categories: ['travel','cashback'], 1171 rates: { travel:2, dining:1.5, grocery:1.5, gas:1.5, online:1.5, other:1.5 }, 1172 foreignFee: 'None', rateLabel: '1.5% cashback; 2% for airfare redemptions', 1173 applyUrl: 'https://www.luxurycard.com/blackcard', 1174 affiliateUrl: null, 1175 cardArt: { bg: 'linear-gradient(135deg,#0A0A0A 0%,#1A1A1A 50%,#0A0A0A 100%)', highlight: 'rgba(212,175,55,.25)' }, 1176 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'], 1177 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'], 1178 tags: ['Luxury','Metal Card','Priority Pass','$200 Air Credit','1.5% Cash Back'], 1179 guideUrl: '/guides/mastercard-black-card-review-2026' 1180 }, 1181 { 1182 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¢', 1183 issuer: 'Luxury Card', network: 'Mastercard', annualFee: 1199, bonusValue: 0, 1184 bonusDesc: 'No welcome bonus â $300 airline credit + $200 dining credit annually', bonusShort: 'No Bonus', 1185 bestFor: 'Ultra-Premium Metal Card â 2% Back + $300 Air Credit', cardScore: 3.2, minScore: 'excellent', 1186 categories: ['travel','cashback'], 1187 rates: { travel:2, dining:2, grocery:2, gas:2, online:2, other:2 }, 1188 foreignFee: 'None', rateLabel: '2% cashback on all purchases', 1189 applyUrl: 'https://www.luxurycard.com/goldcard', 1190 affiliateUrl: null, 1191 cardArt: { bg: 'linear-gradient(135deg,#6B4F12 0%,#C9941A 25%,#E8B931 45%,#C9941A 70%,#6B4F12 100%)', highlight: 'rgba(255,248,210,.2)' }, 1192 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'], 1193 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'], 1194 tags: ['Luxury','Metal Card','Priority Pass','$300 Air Credit','2% Cash Back','Premium'], 1195 guideUrl: '/guides/mastercard-gold-card-review-2026' 1196 }, 1197 1198 /* âââ FINTECH âââ */ 1199 { 1200 id: 'paypal-cashback-mastercard', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/d0c5b850-944f-11ee-89c9-73154d1f9ea7.jpg', name: 'PayPal Cashback Mastercard®', 1201 issuer: 'PayPal', network: 'Mastercard', annualFee: 0, bonusValue: 0,
1202 bonusDesc: 'No welcome bonus â 3% cash back with PayPal on every purchase', bonusShort: 'No Bonus', 1203 bestFor: 'PayPal Users â 3% Cash Back', cardScore: 3.7, minScore: 'good', 1204 categories: ['cashback','nofee'], 1205 rates: { travel:1.5, dining:1.5, grocery:1.5, gas:1.5, online:3, other:1.5 }, 1206 foreignFee: 'None', rateLabel: '3% with PayPal; 1.5% everywhere else', 1207 applyUrl: 'https://www.paypal.com/us/digital-wallet/manage-money/paypal-cashback-mastercard', 1208 affiliateUrl: null, 1209 cardArt: { bg: 'linear-gradient(135deg,#003087 0%,#0070BA 50%,#003087 100%)', highlight: 'rgba(0,112,186,.3)' }, 1210 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'], 1211 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'], 1212 tags: ['No Annual Fee','Cash Back','3% PayPal','No FTF','Simple'], 1213 guideUrl: '/guides/paypal-cashback-mastercard-review-2026' 1214 }, 1215 1216 /* âââ BILT âââ */ 1217 { 1218 id: 'bilt-rewards', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/526e7df0-f09d-11f0-978a-a1863c8757a7.png', name: 'Bilt Blue Card', 1219 issuer: 'Bilt', network: 'Mastercard', annualFee: 0, bonusValue: 100, 1220 bonusDesc: '$100 in Bilt Cash on approval', bonusShort: '$100 Bilt Cash', 1221 bestFor: 'Rent Rewards & Travel', cardScore: 4.3, minScore: 'good', 1222 categories: ['travel','dining','nofee'], 1223 rates: { travel:3, dining:1, grocery:1, gas:1, online:1, other:1 }, 1224 foreignFee: 'None', rateLabel: 'Up to 4à Bilt Dining partners · 3à hotels via Bilt Travel & Lyft · 2à flights · up to 1.25à rent', 1225 applyUrl: 'https://www.bilt.com/card', 1226 affiliateUrl: null, 1227 cardArt: { bg: 'linear-gradient(135deg,#1A1A2E 0%,#2D2D44 50%,#16213E 100%)', highlight: 'rgba(130,130,200,.18)' }, 1228 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'], 1229 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'], 1230 tags: ['No Annual Fee','Rent Rewards','Bilt Dining','No FTF'], 1231 guideUrl: '/guides/bilt-card-review-2026' 1232 }, 1233 { 1234 id: 'bilt-obsidian', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/6ec80040-f0a0-11f0-a71b-bd9dec938f3c.png', name: 'Bilt Obsidian Card', 1235 issuer: 'Bilt', network: 'Mastercard', annualFee: 95, bonusValue: 200, 1236 bonusDesc: '$200 in Bilt Cash on approval, no minimum spend', bonusShort: '$200 Bilt Cash', 1237 bestFor: 'Rent Rewards + Dining or Groceries', cardScore: 4.4, minScore: 'good', 1238 categories: ['travel','dining'], 1239 rates: { travel:4, dining:3, grocery:1, gas:1, online:1, other:1 }, 1240 foreignFee: 'None', rateLabel: '3à dining or grocery (your pick) · 4à hotels & 3à flights via Bilt Travel · up to 1.25à rent', 1241 applyUrl: 'https://www.bilt.com/card/application?tier=obsidian', 1242 affiliateUrl: null, 1243 cardArt: { bg: 'linear-gradient(135deg,#0B0B0F 0%,#23232B 50%,#0B0B0F 100%)', highlight: 'rgba(160,160,190,.16)' }, 1244 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'], 1245 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'],
1246 tags: ['Rent Rewards','Dining or Grocery 3Ã','No FTF','Transfer Partners'], 1247 guideUrl: '/guides/bilt-card-review-2026' 1248 }, 1249 { 1250 id: 'bilt-palladium', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/27326e30-f0a2-11f0-978a-a1863c8757a7.png', name: 'Bilt Palladium Card', 1251 issuer: 'Bilt', network: 'Mastercard', annualFee: 495, bonusValue: 925, 1252 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', 1253 bestFor: 'Premium Travel + Rent Rewards', cardScore: 4.5, minScore: 'excellent', 1254 categories: ['travel','dining','bestoffers'], 1255 rates: { travel:4, dining:2, grocery:2, gas:2, online:2, other:2 }, 1256 foreignFee: 'None', rateLabel: '2à everywhere · up to 5à Bilt Dining · 4à hotels & 3à flights via Bilt Travel · up to 1.25à rent', 1257 applyUrl: 'https://www.bilt.com/card/application?tier=palladium', 1258 affiliateUrl: null, 1259 cardArt: { bg: 'linear-gradient(135deg,#8E8E93 0%,#C7C7CC 50%,#6E6E73 100%)', highlight: 'rgba(255,255,255,.22)' }, 1260 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'],
1261 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'], 1262 tags: ['Rent Rewards','Lounge Access','No FTF','Transfer Partners'], 1263 guideUrl: '/guides/bilt-card-review-2026' 1264 }, 1265 1266 /* âââ CAPITAL ONE â VENTURONE âââ */ 1267 { 1268 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', 1269 issuer: 'Capital One', network: 'Visa', annualFee: 0, bonusValue: 200, 1270 bonusDesc: '20,000 miles after $500 spend in 3 months', bonusShort: '20,000 miles', 1271 bestFor: 'No-Fee Travel Starter Card', cardScore: 4.1, minScore: 'good', 1272 categories: ['travel','nofee'], 1273 rates: { travel:5, dining:1.25, grocery:1.25, gas:1.25, online:1.25, other:1.25 }, 1274 foreignFee: 'None', rateLabel: '1.25à on every purchase', 1275 applyUrl: 'https://www.capitalone.com/credit-cards/ventureone/', 1276 affiliateUrl: null, 1277 cardArt: { bg: 'linear-gradient(135deg,#B00000 0%,#D4000A 50%,#900000 100%)', highlight: 'rgba(255,80,80,.18)' }, 1278 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'], 1279 cons: ['Only 1.25à base rate â lower than flat 2% cards','No lounge access or travel credits','Miles worth ~1¢ unless transferred'], 1280 tags: ['No Annual Fee','Travel','No FTF','1.25à Flat'], 1281 guideUrl: '/guides/capital-one-ventureone-review-2026' 1282 }, 1283 1284 /* âââ CHASE â UNITED QUEST âââ */ 1285 { 1286 id: 'united-quest', cardImage: 'https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/united_quest_card_tilted.png', name: 'Chase United Questâ Card', 1287 issuer: 'Chase', network: 'Visa', annualFee: 350, bonusValue: 600, 1288 bonusDesc: '60,000 miles after $4,000 spend in 3 months', bonusShort: '60,000 miles', 1289 bestFor: 'United Mid-Tier with Credits', cardScore: 4.4, minScore: 'good', 1290 categories: ['travel','airline'], 1291 rates: { travel:3, dining:2, grocery:1, gas:1, online:2, other:1 }, 1292 foreignFee: 'None', rateLabel: '3à United · 2à dining & hotel', 1293 applyUrl: 'https://creditcards.chase.com/travel-credit-cards/united/united-quest', 1294 affiliateUrl: null, 1295 cardArt: { bg: 'linear-gradient(135deg,#003087 0%,#0A3D91 50%,#001E6B 100%)', highlight: 'rgba(0,100,200,.2)' }, 1296 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'], 1297 cons: ['$350 annual fee','Credits require United purchases to maximize','Less valuable if you rarely fly United'], 1298 tags: ['Airline','United','$125 Travel Credit','No FTF'], 1299 guideUrl: '/guides/best-airline-credit-cards-2026' 1300 }, 1301 1302 /* âââ CHASE â UNITED CLUB INFINITE âââ */ 1303 { 1304 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', 1305 issuer: 'Chase', network: 'Visa', annualFee: 695, bonusValue: 960, 1306 bonusDesc: '80,000 miles after $5,000 spend in 3 months', bonusShort: '80,000 miles', 1307 bestFor: 'United Premium â Lounge Access', cardScore: 4.6, minScore: 'excellent', 1308 categories: ['travel','airline','bestoffers'], 1309 rates: { travel:4, dining:2, grocery:1, gas:1, online:1, other:1 }, 1310 foreignFee: 'None', rateLabel: '4à United · 2à travel & dining', 1311 applyUrl: 'https://creditcards.chase.com/travel-credit-cards/united/club-infinite', 1312 affiliateUrl: null, 1313 cardArt: { bg: 'linear-gradient(135deg,#0D1B2A 0%,#1B3252 50%,#0A1520 100%)', highlight: 'rgba(0,120,220,.18)' }, 1314 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'], 1315 cons: ['$695 annual fee','Must be a loyal United flyer to justify cost','Limited value if you use other airlines'], 1316 tags: ['Premium','United Club','Airline','No FTF'], 1317 guideUrl: '/guides/best-airline-credit-cards-2026' 1318 }, 1319 1320 /* âââ BANK OF AMERICA â ALASKA AIRLINES âââ */ 1321 { 1322 // No relationshipBonus here on purpose: this co-brand card gets a flat 1323 // +10% bonus for any active BofA/Merrill account, not the tiered 1324 // BofA Rewards program the other 6 BofA cards use â different 1325 // mechanic, unmodeled for now. 1326 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®', 1327 issuer: 'Bank of America', network: 'Visa', annualFee: 95, bonusValue: 900,
1328 bonusDesc: '70,000 bonus points + $99 Companion Fare after $2,500 spend in 90 days', bonusShort: '70,000 pts + Companion', 1329 bestFor: 'Alaska Airlines Loyalists', cardScore: 4.5, minScore: 'good', 1330 categories: ['airline','bestoffers'], 1331 rates: { travel:3, dining:1, grocery:1, gas:2, online:1, other:1 }, 1332 foreignFee: 'None', rateLabel: '3à Alaska Airlines purchases', 1333 applyUrl: 'https://www.bankofamerica.com/credit-cards/products/alaska-airlines-credit-card/', 1334 affiliateUrl: null, 1335 cardArt: { bg: 'linear-gradient(135deg,#00558B 0%,#0076B6 50%,#003D6B 100%)', highlight: 'rgba(0,180,240,.18)' }, 1336 pros: ['70,000 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'], 1337 cons: ['$95 annual fee','Best value requires flying Alaska specifically','Companion fare has blackout dates and restrictions'], 1338 tags: ['Airline','Alaska Airlines','Companion Fare','No FTF'], 1339 guideUrl: '/guides/best-airline-credit-cards-2026' 1340 }, 1341 1342 /* âââ BARCLAYS â JETBLUE PLUS âââ */ 1343 { 1344 id: 'jetblue-plus', cardImage: '/images/cards/jetblue-plus-card.png', name: 'JetBlue Plus Card', 1345 issuer: 'Barclays', network: 'Mastercard', annualFee: 99, bonusValue: 630, 1346 bonusDesc: '70,000 pts after $1,000 spend + paying the annual fee, both in 90 days', bonusShort: '70,000 pts', 1347 bestFor: 'JetBlue Frequent Flyers', cardScore: 4.3, minScore: 'good', 1348 categories: ['airline'], 1349 rates: { travel:6, dining:2, grocery:2, gas:1, online:1, other:1 }, 1350 foreignFee: 'None', rateLabel: '6à JetBlue purchases', 1351 applyUrl: 'https://cards.barclaycardus.com/banking/cards/jetblue-plus-card/', 1352 affiliateUrl: null, 1353 cardArt: { bg: 'linear-gradient(135deg,#0033A0 0%,#003DB5 50%,#001F78 100%)', highlight: 'rgba(0,100,220,.2)' }, 1354 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'], 1355 cons: ['$99 annual fee','Best value only if you fly JetBlue regularly','Points not transferable to other programs'], 1356 tags: ['Airline','JetBlue','50% Inflight','No FTF'], 1357 guideUrl: '/guides/best-airline-credit-cards-2026' 1358 }, 1359 1360 /* âââ CHASE â BRITISH AIRWAYS âââ */ 1361 { 1362 id: 'british-airways-visa', cardImage: 'https://bcs.ctfassets.net/8qmz0ef3xzub/5sVcjKIXMv7MsKqmAWo1Fw/7e310e514ade7873cfc282eba5d05776/british_sign_card.png', name: 'British Airways Visa Signature® Card', 1363 issuer: 'Chase', network: 'Visa', annualFee: 95, bonusValue: 600, 1364 bonusDesc: '75,000 Avios after $5,000 spend in 3 months', bonusShort: '75,000 Avios', 1365 bestFor: 'Avios Collectors & Transatlantic Travel', cardScore: 4.2, minScore: 'good', 1366 categories: ['airline','travel'], 1367 rates: { travel:3, dining:2, grocery:1, gas:1, online:1, other:1 }, 1368 foreignFee: 'None', rateLabel: '3à British Airways & Oneworld', 1369 applyUrl: 'https://creditcards.chase.com/travel-credit-cards/avios/british-airways', 1370 affiliateUrl: null, 1371 cardArt: { bg: 'linear-gradient(135deg,#00205B 0%,#003090 50%,#00164A 100%)', highlight: 'rgba(200,40,50,.18)' }, 1372 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'], 1373 cons: ['$95 annual fee','Avios distance-based pricing can be costly on long-haul','High spend threshold for companion voucher'], 1374 tags: ['Airline','British Airways','Avios','No FTF'], 1375 guideUrl: '/guides/best-airline-credit-cards-2026' 1376 }, 1377 1378 /* âââ CHASE â AEROPLAN âââ */ 1379 { 1380 id: 'aeroplan-chase', cardImage: 'https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/aeroplan_card.png', name: 'Aeroplan® Credit Card', 1381 issuer: 'Chase', network: 'Visa', annualFee: 95, bonusValue: 600, 1382 bonusDesc: '60,000 pts after $3,000 spend in 3 months', bonusShort: '60,000 pts', 1383 bestFor: 'Air Canada & Star Alliance Travel', cardScore: 4.5, minScore: 'good', 1384 categories: ['airline','travel'],
1385 rates: { travel:3, dining:3, grocery:1, gas:1, online:1, other:1 }, 1386 foreignFee: 'None', rateLabel: '3à Aeroplan & dining', 1387 applyUrl: 'https://creditcards.chase.com/travel-credit-cards/aircanada/aeroplan', 1388 affiliateUrl: null, 1389 cardArt: { bg: 'linear-gradient(135deg,#C41E3A 0%,#D42040 50%,#A01528 100%)', highlight: 'rgba(255,60,60,.15)' }, 1390 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'], 1391 cons: ['$95 annual fee','Best for Air Canada & Star Alliance flyers','Award space can be limited during peak travel'], 1392 tags: ['Airline','Air Canada','Star Alliance','No FTF'], 1393 guideUrl: '/guides/best-airline-credit-cards-2026' 1394 }, 1395 1396 /* âââ CHASE â AMAZON PRIME âââ */ 1397 { 1398 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', 1399 issuer: 'Chase', network: 'Visa', annualFee: 0, bonusValue: 150, 1400 bonusDesc: '$150 Amazon Gift Card instantly upon approval', bonusShort: '$150 Amazon GC', 1401 bestFor: 'Amazon & Whole Foods Shoppers', cardScore: 4.4, minScore: 'good', 1402 categories: ['cashback','nofee'], 1403 rates: { travel:2, dining:2, grocery:1, gas:2, online:5, other:1 }, // 5% is Whole Foods and Amazon only, not groceries in general 1404 foreignFee: 'None', rateLabel: '5% at Amazon & Whole Foods', 1405 applyUrl: 'https://www.amazon.com/amazon-prime-rewards-visa-signature-card', 1406 affiliateUrl: null, 1407 cardArt: { bg: 'linear-gradient(135deg,#131921 0%,#232F3E 50%,#0F1924 100%)', highlight: 'rgba(255,153,0,.2)' }, 1408 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'], 1409 cons: ['Requires active Amazon Prime membership ($139/yr)','Only 1% on all other purchases','No travel perks or transfer partners'], 1410 tags: ['No Annual Fee','5% Amazon','Cash Back','No FTF'], 1411 guideUrl: '/guides/amazon-prime-rewards-visa-review-2026' 1412 }, 1413 1414 /* âââ CHASE â MARRIOTT BONVOY BOLD âââ */ 1415 { 1416 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', 1417 issuer: 'Chase', network: 'Visa', annualFee: 0, bonusValue: 225, 1418 bonusDesc: '45,000 pts after $1,000 spend in 3 months', bonusShort: '45,000 pts', 1419 bestFor: 'No-Fee Marriott Entry Card', cardScore: 3.9, minScore: 'good', 1420 categories: ['hotel','nofee'], 1421 rates: { travel:3, dining:2, grocery:1, gas:1, online:1, other:1 }, 1422 foreignFee: 'None', rateLabel: '3à Marriott Bonvoy hotels', 1423 applyUrl: 'https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold', 1424 affiliateUrl: null, 1425 cardArt: { bg: 'linear-gradient(135deg,#1A1A2E 0%,#8B0000 60%,#5A0000 100%)', highlight: 'rgba(180,30,30,.2)' }, 1426 pros: ['No annual fee','45,000 Bonvoy pts welcome bonus','3à at Marriott hotels','15 Elite Night Credits per year','No foreign transaction fees'], 1427 cons: ['Only 1à on non-Marriott spending','Silver Elite status only (lowest tier)','Less valuable than Boundless for frequent Marriott guests'], 1428 tags: ['Hotel','Marriott','No Annual Fee','No FTF'], 1429 guideUrl: '/guides/marriott-bonvoy-credit-cards-2026' 1430 }, 1431 1432 /* âââ CHASE â IHG ONE REWARDS TRAVELER âââ */ 1433 { 1434 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', 1435 issuer: 'Chase', network: 'Visa', annualFee: 0, bonusValue: 400, 1436 bonusDesc: '80,000 pts after $2,000 spend in 3 months', bonusShort: '80,000 pts', 1437 bestFor: 'No-Fee IHG Hotel Card', cardScore: 4.0, minScore: 'good', 1438 categories: ['hotel','nofee'], 1439 rates: { travel:3, dining:2, grocery:2, gas:2, online:1, other:1 }, 1440 foreignFee: 'None', rateLabel: '3à IHG hotels · 2à dining & gas', 1441 applyUrl: 'https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/traveler', 1442 affiliateUrl: null, 1443 cardArt: { bg: 'linear-gradient(135deg,#0A3055 0%,#124A80 50%,#062240 100%)', highlight: 'rgba(30,120,200,.2)' }, 1444 pros: ['No annual fee','80,000 pts welcome bonus','3à at IHG Hotels & Resorts','Silver Elite status automatically','No foreign transaction fees'], 1445 cons: ['No 4th Night Free benefit (reserved for Premier)','Limited value outside IHG properties','Points devalue risk with large chain programs'],
1446 tags: ['Hotel','IHG','No Annual Fee','No FTF'], 1447 guideUrl: '/guides/best-hotel-credit-cards-2026' 1448 }, 1449 1450 /* âââ AMERICAN EXPRESS â MARRIOTT BONVOY BUSINESS âââ */ 1451 { 1452 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', 1453 issuer: 'American Express', network: 'Amex', annualFee: 125, bonusValue: 625, 1454 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', 1455 bestFor: 'Business Travelers â Marriott', cardScore: 4.2, minScore: 'good', 1456 categories: ['hotel','business'], 1457 rates: { travel:4, dining:4, grocery:2, gas:2, online:2, other:2 }, 1458 foreignFee: 'None', rateLabel: '6à at Marriott hotels', 1459 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-business/', 1460 affiliateUrl: null, 1461 cardArt: { bg: 'linear-gradient(135deg,#2C1654 0%,#4B1A7A 50%,#1E0F3A 100%)', highlight: 'rgba(160,80,220,.18)' }, 1462 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'], 1463 cons: ['$125 annual fee','Must use credits and free night to justify cost','Amex Business cards don\'t count toward Chase 5/24'], 1464 tags: ['Hotel','Marriott','Business','No FTF'], 1465 guideUrl: '/guides/marriott-bonvoy-credit-cards-2026' 1466 }, 1467 1468 /* âââ AMERICAN EXPRESS â HILTON HONORS BUSINESS âââ */ 1469 { 1470 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', 1471 issuer: 'American Express', network: 'Amex', annualFee: 95, bonusValue: 900, 1472 bonusDesc: '130,000 pts after $6,000 spend in 6 months', bonusShort: '130,000 pts', 1473 bestFor: 'Business Travelers â Hilton', cardScore: 4.3, minScore: 'good', 1474 categories: ['hotel','business'], 1475 rates: { travel:7, dining:5, grocery:3, gas:2, online:3, other:3 }, 1476 foreignFee: 'None', rateLabel: '12à at Hilton hotels', 1477 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/hilton-honors-business/', 1478 affiliateUrl: null, 1479 cardArt: { bg: 'linear-gradient(135deg,#1A2B5A 0%,#2A4085 50%,#122040 100%)', highlight: 'rgba(60,140,240,.18)' }, 1480 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'], 1481 cons: ['$95 annual fee','Hilton points worth ~0.5¢ each â lower than airline miles','Best only for Hilton loyalists'], 1482 tags: ['Hotel','Hilton','Business','No FTF'], 1483 guideUrl: '/guides/best-business-travel-credit-cards-2026' 1484 }, 1485 1486 /* âââ AMERICAN EXPRESS â DELTA GOLD BUSINESS âââ */ 1487 { 1488 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', 1489 issuer: 'American Express', network: 'Amex', annualFee: 150, bonusValue: 600, 1490 bonusDesc: '60,000 miles after $4,000 spend in 6 months', bonusShort: '60,000 miles', 1491 bestFor: 'Business Flyers â Delta', cardScore: 4.2, minScore: 'good', 1492 categories: ['airline','business'], 1493 rates: { travel:3, dining:2, grocery:2, gas:2, online:1, other:1 }, 1494 foreignFee: 'None', rateLabel: '2à Delta purchases & U.S. shipping', 1495 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-business/', 1496 affiliateUrl: null, 1497 cardArt: { bg: 'linear-gradient(135deg,#9B1B1B 0%,#C42828 50%,#7A1212 100%)', highlight: 'rgba(200,60,60,.18)' }, 1498 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'], 1499 cons: ['$150 annual fee','No lounge access','Best for Delta loyalists who check bags'], 1500 tags: ['Airline','Delta','Business','No FTF'], 1501 guideUrl: '/guides/best-business-travel-credit-cards-2026' 1502 }, 1503 1504 /* âââ AMERICAN EXPRESS â DELTA BLUE âââ */ 1505 { 1506 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', 1507 issuer: 'American Express', network: 'Amex', annualFee: 0, bonusValue: 140, 1508 bonusDesc: '10,000 miles after $1,000 spend in 6 months', bonusShort: '10,000 miles', 1509 bestFor: 'No-Fee Delta Card for Casual Flyers', cardScore: 3.8, minScore: 'fair', 1510 categories: ['airline','nofee'], 1511 rates: { travel:2, dining:2, grocery:1, gas:1, online:1, other:1 }, 1512 foreignFee: 'None', rateLabel: '2à Delta & dining', 1513 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/delta-skym
1513iles-blue/', 1514 affiliateUrl: null, 1515 cardArt: { bg: 'linear-gradient(135deg,#7A1212 0%,#A01A1A 50%,#5C0E0E 100%)', highlight: 'rgba(200,60,60,.15)' }, 1516 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'], 1517 cons: ['Small welcome bonus (10,000 miles)','No checked bag benefit','No lounge access or elite status perks'], 1518 tags: ['Airline','Delta','No Annual Fee','No FTF'], 1519 guideUrl: '/guides/best-airline-credit-cards-2026' 1520 }, 1521 1522 /* âââ CHASE â SOUTHWEST RAPID REWARDS BUSINESS âââ */ 1523 { 1524 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', 1525 issuer: 'Chase', network: 'Visa', annualFee: 299, bonusValue: 600, 1526 bonusDesc: '80,000 pts after $5,000 spend in 3 months', bonusShort: '80,000 pts', 1527 bestFor: 'Southwest Business Travelers', cardScore: 4.1, minScore: 'good', 1528 categories: ['airline','business'], 1529 rates: { travel:4, dining:3, grocery:2, gas:2, online:2, other:1 }, 1530 foreignFee: 'None', rateLabel: '4à Southwest purchases', 1531 applyUrl: 'https://creditcards.chase.com/business-credit-cards/southwest/performance-business', 1532 affiliateUrl: null, 1533 cardArt: { bg: 'linear-gradient(135deg,#304CB2 0%,#4460CC 50%,#203090 100%)', highlight: 'rgba(60,100,220,.2)' }, 1534 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)'], 1535 cons: ['$299 annual fee','Southwest only â no international alliance','Points worth ~1.5¢ via redemption'], 1536 tags: ['Airline','Southwest','Business','Companion Pass'], 1537 guideUrl: '/guides/best-business-travel-credit-cards-2026' 1538 }, 1539 1540 /* âââ BARCLAYS â WYNDHAM EARNER (NO FEE) âââ */ 1541 { 1542 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', 1543 issuer: 'Barclays', network: 'Visa', annualFee: 0, bonusValue: 625, 1544 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', 1545 bestFor: 'No-Fee Wyndham Hotel Card', cardScore: 3.9, minScore: 'good', 1546 categories: ['hotel','nofee'], 1547 rates: { travel:5, dining:2, grocery:1, gas:2, online:1, other:1 }, 1548 foreignFee: '3%', rateLabel: '5à Wyndham & gas', 1549 applyUrl: 'https://cards.barclaycardus.com/banking/cards/wyndham-rewards-earner-card/', 1550 affiliateUrl: null, 1551 cardArt: { bg: 'linear-gradient(135deg,#003865 0%,#005090 50%,#002548 100%)', highlight: 'rgba(0,120,200,.18)' }, 1552 pros: ['No annual fee','Up to 75,000 pts welcome bonus','5à at Wyndham hotels','5à at gas stations','Wyndham Rewards Blue status automatically'], 1553 cons: ['3% foreign transaction fee','Points worth ~1¢ each â less flexible','Best for budget hotel brand loyalists'], 1554 tags: ['Hotel','Wyndham','No Annual Fee'], 1555 guideUrl: '/guides/best-hotel-credit-cards-2026' 1556 }, 1557 1558 /* âââ U.S. BANK â CASH+ âââ */ 1559 { 1560 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', 1561 issuer: 'U.S. Bank', network: 'Visa', annualFee: 0, bonusValue: 200, 1562 bonusDesc: '$200 cash after $1,000 spend in 90 days', bonusShort: '$200 cash', 1563 bestFor: 'Customizable 5% Cash Back', cardScore: 4.4, minScore: 'good', 1564 categories: ['cashback','nofee'], 1565 rates: { travel:2, dining:2, grocery:2, gas:2, online:5, other:1 }, 1566 rateTiers: { among: ['grocery', 'dining', 'gas'], tiers: [2], base: 1 }, // 2% on one everyday category you pick; gas is not a 5% category 1567 foreignFee: '3%', rateLabel: '5% in 2 chosen categories (up to $2k/qtr)', 1568 applyUrl: 'https://www.usbank.com/credit-cards/cash-plus-visa-signature-credit-card.html', 1569 affiliateUrl: null, 1570 cardArt: { bg: 'linear-gradient(135deg,#004B84 0%,#0066AA 50%,#003060 100%)', highlight: 'rgba(0,140,220,.18)' }, 1571 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'], 1572 cons: ['3% foreign transaction fee','5% capped at $2,000 per quarter','Must select categories each quarter or default to 1%'], 1573 tags: ['No Annual Fee','5% Custom','Cash Back','Customizable'], 1574 guideUrl: '/guides/usbank-cash-plus-review-2026' 1575 }, 1576 { 1577 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', 1578 issuer: 'U.S. Bank', network: 'Visa', annualFee: 0, bonusValue: 0, 1579 relationshipBonus: { issuer: 'U.S. Bank', program: 'Smartly Rewards' }, 1580 bonusDesc: 'No welcome bonus currently offered', bonusShort: 'No bonus', 1581 bestFor: 'Relationship-Boosted Flat Cash Back', cardScore: 4.0, minScore: 'good', 1582 categories: ['cashback','nofee'], 1583 rates: { travel:2, dining:2, grocery:2, gas:2, online:2, other:2 }, 1584 foreignFee: '3%', rateLabel: '2% cash back on everything (up to 4% with a qualifying U.S. Bank relationship
1584)', 1585 applyUrl: 'https://www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html', 1586 affiliateUrl: null, 1587 cardArt: { bg: 'linear-gradient(135deg,#00335C 0%,#004B84 50%,#00253F 100%)', highlight: 'rgba(0,120,200,.18)' }, 1588 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'], 1589 cons: ['3% foreign transaction fee','No traditional welcome bonus','Best value requires a qualifying U.S. Bank Smartly Checking/Savings relationship'], 1590 tags: ['No Annual Fee','Flat 2%','Cash Back','Relationship Bonus'], 1591 guideUrl: '/guides/usbank-smartly-visa-review-2026' 1592 }, 1593 1594 /* âââ FIDELITY â REWARDS VISA âââ */ 1595 { 1596 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', 1597 issuer: 'Elan Financial', network: 'Visa', annualFee: 0, bonusValue: 0, 1598 bonusDesc: 'No welcome bonus â unlimited 2% cash back deposited to an eligible Fidelity account', bonusShort: 'No Bonus', 1599 bestFor: 'Simple Flat 2% Cash Back', cardScore: 4.2, minScore: 'good', 1600 categories: ['cashback','nofee'], 1601 rates: { travel:2, dining:2, grocery:2, gas:2, online:2, other:2 }, 1602 foreignFee: '1%', rateLabel: '2% on every purchase', 1603 applyUrl: 'https://www.fidelity.com/cash-management/visa-signature-card', 1604 affiliateUrl: null, 1605 cardArt: { bg: 'linear-gradient(135deg,#3A5F0B 0%,#537A1A 50%,#2B4507 100%)', highlight: 'rgba(100,180,20,.18)' }, 1606 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'], 1607 cons: ['Requires a Fidelity account for maximum rewards','1% foreign transaction fee','No travel perks or transfer partners'], 1608 tags: ['No Annual Fee','Flat 2%','Cash Back','Simple'], 1609 guideUrl: '/guides/fidelity-rewards-visa-review-2026' 1610 }, 1611 1612 /* âââ CITI â DIAMOND PREFERRED âââ */ 1613 { 1614 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', 1615 issuer: 'Citi', network: 'Mastercard', annualFee: 0, bonusValue: 0, 1616 bonusDesc: 'No welcome bonus â 0% intro APR for 21 months on balance transfers', bonusShort: '0% APR 21 mo.', 1617 bestFor: 'Long Balance Transfer Window', cardScore: 4.1, minScore: 'good', 1618 categories: ['balancetransfer','nofee'], 1619 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 1620 foreignFee: '3%', rateLabel: '1à on all purchases', 1621 applyUrl: 'https://www.citi.com/credit-cards/citi-diamond-preferred-credit-card', 1622 affiliateUrl: null, 1623 cardArt: { bg: 'linear-gradient(135deg,#2C2C3E 0%,#3D3D55 50%,#1A1A2E 100%)', highlight: 'rgba(180,180,240,.15)' }, 1624 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'], 1625 cons: ['No rewards program','3% foreign transaction fee','21-month 0% rate requires good-excellent credit'], 1626 tags: ['No Annual Fee','0% APR 21 Mo','Balance Transfer'], 1627 guideUrl: '/guides/citi-diamond-preferred-review-2026' 1628 }, 1629 1630 /* âââ U.S. BANK â VISA PLATINUM âââ */ 1631 { 1632 id: 'usbank-visa-platinum', cardImage: 'https://cdn.wallethub.com/common/product/images/creditcards/500/us-bank-platinum-credit-card-12571204c.png', name: 'U.S. Bank Visa® Platinum Card', 1633 issuer: 'U.S. Bank', network: 'Visa', annualFee: 0, bonusValue: 0, 1634 bonusDesc: 'No welcome bonus â 0% intro APR for 18 billing cycles', bonusShort: '0% APR 18 mo.', 1635 bestFor: 'Long 0% Purchase & Balance Transfer APR', cardScore: 4.0, minScore: 'good', 1636 categories: ['balancetransfer','nofee'], 1637 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 1638 foreignFee: '3%', rateLabel: '1à on all purchases', 1639 applyUrl: 'https://www.usbank.com/credit-cards/visa-platinum-credit-card.html', 1640 affiliateUrl: null, 1641 cardArt: { bg: 'linear-gradient(135deg,#004B84 0%,#336699 50%,#002255 100%)', highlight: 'rgba(100,160,240,.15)' }, 1642 pros: ['0% intro APR for 18 billing cycles on purchases & balance transfers','No annual fee','Cell phone protection when you pay your phone bill with the card','No rewards to track â simple payoff tool','U.S. Bank is widely available'], 1643 cons: ['No rewards program','3% foreign transaction fee','Better 0% APR offers exist (2
16431 months)'], 1644 tags: ['No Annual Fee','0% APR 18 Mo','Balance Transfer','Cell Protection'], 1645 guideUrl: '/guides/usbank-visa-platinum-review-2026' 1646 }, 1647 1648 /* âââ CHASE â SLATE EDGE âââ */ 1649 { 1650 id: 'chase-slate-edge', cardImage: 'https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/slate_edge_card_alt.png', name: 'Chase Slate Edgeâ ', 1651 issuer: 'Chase', network: 'Visa', annualFee: 0, bonusValue: 0, 1652 bonusDesc: 'No welcome bonus â 0% intro APR for 18 months on purchases & transfers', bonusShort: '0% APR 18 mo.', 1653 bestFor: 'Balance Transfer with APR Reduction Path', cardScore: 3.9, minScore: 'good', 1654 categories: ['balancetransfer','nofee'], 1655 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 1656 foreignFee: '3%', rateLabel: '1à on all purchases', 1657 applyUrl: 'https://creditcards.chase.com/balance-transfer-credit-cards/slate-edge', 1658 affiliateUrl: null, 1659 cardArt: { bg: 'linear-gradient(135deg,#2D5A88 0%,#3D72A8 50%,#1E3F60 100%)', highlight: 'rgba(80,150,220,.15)' }, 1660 pros: ['0% intro APR for 18 months on purchases & balance transfers','Automatic 2% APR reduction each year (up to -2% total) when you pay on time','No annual fee','May lower existing card APR by requesting increase to $10k+ and paying on time'], 1661 cons: ['No rewards program','3% foreign transaction fee','APR reduction feature unique but limited to -2% total'], 1662 tags: ['No Annual Fee','0% APR 18 Mo','Balance Transfer','APR Reduction'], 1663 guideUrl: '/guides/chase-slate-edge-review-2026' 1664 }, 1665 1666 /* âââ BANK OF AMERICA â PREMIUM REWARDS âââ */ 1667 { 1668 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', 1669 issuer: 'Bank of America', network: 'Visa', annualFee: 95, bonusValue: 500, 1670 relationshipBonus: { issuer: 'Bank of America', program: 'BofA Rewards' }, 1671 bonusDesc: '60,000 pts after $4,000 spend in 90 days', bonusShort: '60,000 pts', 1672 bestFor: 'BofA Preferred Rewards Members', cardScore: 4.3, minScore: 'good', 1673 categories: ['travel','bestoffers'], 1674 rates: { travel:2, dining:2, grocery:1.5, gas:1.5, online:1.5, other:1.5 }, 1675 foreignFee: 'None', rateLabel: '2à travel & dining (up to 3.5à with Preferred Rewards)', 1676 applyUrl: 'https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/', 1677 affiliateUrl: null, 1678 cardArt: { bg: 'linear-gradient(135deg,#8B0000 0%,#A81010 50%,#6A0000 100%)', highlight: 'rgba(200,30,30,.18)' }, 1679 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'], 1680 cons: ['$95 annual fee','Best value requires BofA banking relationship (Preferred Rewards)','No transfer partners â points redeemable at fixed 1¢ value'], 1681 tags: ['Travel','Dining 2Ã','No FTF','$100 Air Credit'], 1682 guideUrl: '/guides/bofa-premium-rewards-review-2026' 1683 }, 1684 1685 /* âââ WELLS FARGO â CHOICE PRIVILEGES âââ */ 1686 { 1687 id: 'choice-privileges-select', cardImage: 'https://upgradedpoints.com/wp-content/uploads/2023/08/WF_Choice_Fee_Card_Hero.png', name: 'Choice Privileges® Select Mastercard®', 1688 issuer: 'Wells Fargo', network: 'Mastercard', annualFee: 0, bonusValue: 450, 1689 bonusDesc: '60,000 pts after $3,000 spend in 3 months', bonusShort: '60,000 pts', 1690 bestFor: 'Choice Hotels Loyalists', cardScore: 3.7, minScore: 'good', 1691 categories: ['hotel','nofee'], 1692 rates: { travel:5, dining:2, grocery:1, gas:2, online:1, other:1 }, 1693 foreignFee: '3%', rateLabel: '5à at Choice Hotels', 1694 applyUrl: 'https://www.choicehotels.com/choice-privileges/credit-card', 1695 affiliateUrl: null, 1696 cardArt: { bg: 'linear-gradient(135deg,#1E5C1E 0%,#2E7A2E 50%,#154015 100%)', highlight: 'rgba(60,180,60,.15)' }, 1697 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)'], 1698 cons: ['3% foreign transaction fee','Choice Hotels is a budget/mid-scale chain','Points not transferable to airline programs'], 1699 tags: ['Hotel','Choice Hotels','No Annual Fee'], 1700 guideUrl: '/guides/best-hotel-credit-cards-2026' 1701 }, 1702 1703 /* âââ CAPITAL ONE â SPARK MILES âââ */ 1704 {
1705 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', 1706 issuer: 'Capital One', network: 'Visa', annualFee: 95, bonusValue: 1000, 1707 bonusDesc: '100,000 miles after $10,000 spend in 3 months', bonusShort: '100,000 miles', 1708 bestFor: 'Business Travel Flat-Rate Miles', cardScore: 4.2, minScore: 'good', 1709 categories: ['travel','business'], 1710 rates: { travel:5, dining:2, grocery:2, gas:2, online:2, other:2 }, 1711 foreignFee: 'None', rateLabel: '2à on every purchase', 1712 applyUrl: 'https://www.capitalone.com/small-business/credit-cards/venture-business/', 1713 affiliateUrl: null, 1714 cardArt: { bg: 'linear-gradient(135deg,#B00000 0%,#D4000A 50%,#900000 100%)', highlight: 'rgba(255,80,80,.18)' }, 1715 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'], 1716 cons: ['$95 annual fee','Fixed 2à rate â specialists may earn more in categories','No lounge access'], 1717 tags: ['Business','Travel','Flat 2Ã','No FTF'], 1718 guideUrl: '/guides/capital-one-venture-business-review-2026' 1719 }, 1720 1721 /* âââ CAPITAL ONE â SPARK CASH SELECT âââ */ 1722 { 1723 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', 1724 issuer: 'Capital One', network: 'Visa', annualFee: 0, bonusValue: 750, 1725 bonusDesc: '$750 cash after $6,000 spend in 3 months', bonusShort: '$750 cash', 1726 bestFor: 'No-Fee Business Cash Back', cardScore: 4.0, minScore: 'good', 1727 categories: ['cashback','business','nofee'], 1728 rates: { travel:5, dining:1.5, grocery:1.5, gas:1.5, online:1.5, other:1.5 }, 1729 foreignFee: 'None', rateLabel: '1.5% on every purchase', 1730 applyUrl: 'https://www.capitalone.com/small-business/credit-cards/spark-cash-select/', 1731 affiliateUrl: null, 1732 cardArt: { bg: 'linear-gradient(135deg,#1A5C1A 0%,#2E7A2E 50%,#0F400F 100%)', highlight: 'rgba(60,200,60,.18)' }, 1733 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'], 1734 cons: ['1.5% base rate â below some personal cards','No transfer partners','No lounge access or travel credits'], 1735 tags: ['Business','No Annual Fee','Flat 1.5%','No FTF'], 1736 guideUrl: '/guides/capital-one-spark-cash-select-review-2026' 1737 }, 1738 1739 /* âââ AMERICAN EXPRESS â DELTA PLATINUM BUSINESS âââ */ 1740 { 1741 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', 1742 issuer: 'American Express', network: 'Amex', annualFee: 350, bonusValue: 700, 1743 bonusDesc: '70,000 miles after $6,000 spend in 6 months', bonusShort: '70,000 miles', 1744 bestFor: 'Delta Business Mid-Tier', cardScore: 4.3, minScore: 'good', 1745 categories: ['airline','business','bestoffers'], 1746 rates: { travel:3, dining:3, grocery:2, gas:1, online:1, other:1 }, 1747 foreignFee: 'None', rateLabel: '3à Delta & U.S. hotel purchases', 1748 applyUrl: 'https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-platinum-business/', 1749 affiliateUrl: null, 1750 cardArt: { bg: 'linear-gradient(135deg,#9B1B1B 0%,#C42828 50%,#7A1212 100%)', highlight: 'rgba(200,60,60,.2)' }, 1751 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'], 1752 cons: ['$350 annual fee','Must be Delta loyalist to maximize value','Companion cert has flight restrictions'], 1753 tags: ['Airline','Delta','Business','Companion Cert'], 1754 guideUrl: '/guides/best-business-travel-credit-cards-2026' 1755 }, 1756 1757 /* âââ AMERICAN EXPRESS â DELTA RESERVE BUSINESS âââ */ 1758 { 1759 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', 1760 issuer: 'American Express', network: 'Amex', annualFee: 650, bonusValue: 1200, 1761 bonusDesc: '80,000 miles after $12,000 spend in 6 months', bonusShort: '80,000 miles', 1762 bestFor: 'Delta Business Premium â Delta One Lounge', cardScore: 4.5, minScore: 'excellent', 1763 categories: ['airline','business'], 1764 rates: { travel:4, dining:1.5, grocery:1, gas:1, online:1, other:1 }, 1765 foreignFee: 'None', rateLabel: '3à Delta business purchases',
1766 applyUrl: 'https://www.americanexpress.com/en-us/business/credit-cards/delta-skymiles-reserve/', 1767 affiliateUrl: null, 1768 cardArt: { bg: 'linear-gradient(135deg,#1A1A1A 0%,#2D2D2D 50%,#9B1B1B 100%)', highlight: 'rgba(200,60,60,.18)' }, 1769 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'], 1770 cons: ['$650 annual fee','Sky Club access now limited to flights booked with card','Requires significant Delta loyalty to justify cost'], 1771 tags: ['Airline','Delta','Business','Premium','Delta Sky Club'], 1772 guideUrl: '/guides/best-business-travel-credit-cards-2026' 1773 }, 1774 1775 /* âââ CHASE â UNITED BUSINESS âââ */ 1776 { 1777 id: 'united-business-card', cardImage: 'https://creditcards.chase.com/content/dam/jpmc-marketplace/card-art/united_biz_card_tilted.png', name: 'Unitedâ Business Card', 1778 issuer: 'Chase', network: 'Visa', annualFee: 150, bonusValue: 667, 1779 bonusDesc: '100,000 miles after $5,000 spend in 3 months + 10,000 after adding an employee card', bonusShort: 'Up to 110,000 miles', 1780 bestFor: 'Business Travelers â United', cardScore: 4.1, minScore: 'good', 1781 categories: ['airline','business'], 1782 rates: { travel:3, dining:2, grocery:1, gas:2, online:2, other:1 }, 1783 foreignFee: 'None', rateLabel: '2à United & gas', 1784 applyUrl: 'https://creditcards.chase.com/business-credit-cards/united/united-business-card', 1785 affiliateUrl: null, 1786 cardArt: { bg: 'linear-gradient(135deg,#003087 0%,#0A3D91 50%,#001E6B 100%)', highlight: 'rgba(0,100,200,.2)' }, 1787 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'], 1788 cons: ['$150 annual fee','Best value for United-loyal business travelers','No lounge membership (only 2 annual passes)'], 1789 tags: ['Airline','United','Business','No FTF'], 1790 guideUrl: '/guides/best-business-travel-credit-cards-2026' 1791 }, 1792 1793 /* âââ CHASE â INK BUSINESS PREMIER âââ */ 1794 { 1795 id: 'ink-business-premier', cardImage: 'https://images.ctfassets.net/8qmz0ef3xzub/6y5yPz2KKJzGcPqYEioJTQ/7bf371b6c88073f5699457fc5b8a8a7a/ink_business_premier_card.png', name: 'Ink Business Premier® Credit Card', 1796 issuer: 'Chase', network: 'Visa', annualFee: 195, bonusValue: 1000, 1797 bonusDesc: '$1,000 cash after $10,000 spend in 3 months', bonusShort: '$1,000 cash', 1798 bestFor: 'High Spend Business â 2.5% on Large Purchases', cardScore: 4.2, minScore: 'excellent', 1799 categories: ['cashback','business'], 1800 rates: { travel:5, dining:2.5, grocery:2, gas:2, online:2.5, other:2 }, 1801 foreignFee: 'None', rateLabel: '2.5% on purchases over $5,000', 1802 applyUrl: 'https://creditcards.chase.com/business-credit-cards/ink/premier', 1803 affiliateUrl: null, 1804 cardArt: { bg: 'linear-gradient(135deg,#1A1A1A 0%,#2D2D2D 50%,#1A1A1A 100%)', highlight: 'rgba(201,168,76,.2)' }, 1805 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'], 1806 cons: ['$195 annual fee','This is a charge card â full balance due monthly','High spend threshold for bonus'], 1807 tags: ['Business','Cash Back','Premium','No FTF'], 1808 guideUrl: '/guides/ink-business-premier-review-2026' 1809 }, 1810 1811 /* âââ CITI â AADVANTAGE EXECUTIVE âââ */ 1812 { 1813 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 Elite Mastercard®', 1814 issuer: 'Citi', network: 'Mastercard', annualFee: 695, bonusValue: 560, 1815 bonusDesc: '70,000 miles after $7,000 spend in 3 months', bonusShort: '70,000 miles', 1816 bestFor: 'American Airlines Premium â Admirals Club', cardScore: 4.4, minScore: 'excellent', 1817 categories: ['airline','bestoffers'], 1818 rates: { travel:4, dining:1, grocery:1, gas:1, online:1, other:1 }, 1819 foreignFee: 'None', rateLabel: '4à American Airlines & AA partner purchases', 1820 applyUrl: 'https://www.citi.com/credit-cards/citi-aadvantage-executive-world-elite-credit-card', 1821 affiliateUrl: null, 1822 cardArt: { bg: 'linear-gradient(135deg,#C41E3A 0%,#D42040 50%,#960015 100%)', highlight: 'rgba(200,40,40,.2)' }, 1823 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'], 1824 cons: ['$695 annual fee','Requires heavy AA use to justify cost','Admirals Club now limited on partner airlines'], 1825 tags: ['Premium','Airline','American Airlines','Admirals Club','No FTF'], 1826 guideUrl: '/guides/best-airline-credit-cards-2026' 1827 }, 1828 1829 /* âââ WELLS FARGO â AUTOGRAPH JOURNEY âââ */ 1830 { 1831 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', 1832 issuer: 'Wells Fargo', network: 'Visa', annualFee: 95, bonusValue: 600, 1833 bonusDesc: '60,000 pts after $4,000 spend in 3 months', bonusShort: '60,000 pts', 1834 bestFor: 'Travel Rewards with Hotel & Airline Transfer', cardScore: 4.2, minScore: 'good', 1835 categories: ['travel'],
1836 rates: { travel:5, dining:3, grocery:1, gas:1, online:1, other:1 }, 1837 foreignFee: 'None', rateLabel: '5à hotels · 4à airlines · 3à dining', 1838 applyUrl: 'https://www.wellsfargo.com/credit-cards/autograph-journey/', 1839 affiliateUrl: null, 1840 cardArt: { bg: 'linear-gradient(135deg,#B8860B 0%,#D4A020 50%,#8A6208 100%)', highlight: 'rgba(220,170,30,.18)' }, 1841 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'], 1842 cons: ['$95 annual fee','Transfer partners are less recognizable than Chase/Amex'], 1843 tags: ['Travel','Hotels 5Ã','Dining 3Ã','No FTF'], 1844 guideUrl: '/guides/wells-fargo-autograph-journey-review-2026' 1845 }, 1846 1847 /* âââ U.S. BANK â ALTITUDE GO âââ */ 1848 { 1849 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', 1850 issuer: 'U.S. Bank', network: 'Visa', annualFee: 0, bonusValue: 200, 1851 bonusDesc: '20,000 pts ($200) after $1,000 spend in 90 days', bonusShort: '20,000 pts', 1852 bestFor: 'No-Fee Dining & Delivery Rewards', cardScore: 4.2, minScore: 'good', 1853 categories: ['dining','cashback','nofee'], 1854 rates: { travel:4, dining:4, grocery:2, gas:2, online:2, other:1 }, 1855 foreignFee: 'None', rateLabel: '4à dining, delivery & takeout', 1856 applyUrl: 'https://www.usbank.com/credit-cards/altitude-go-visa-signature-credit-card.html', 1857 affiliateUrl: null, 1858 cardArt: { bg: 'linear-gradient(135deg,#004B84 0%,#0066AA 50%,#003060 100%)', highlight: 'rgba(0,140,220,.18)' }, 1859 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'], 1860 cons: ['Points redeemed at fixed 1¢ â no transfer partners','Only 1à on most non-dining purchases'], 1861 tags: ['No Annual Fee','Dining 4Ã','Cash Back','No FTF'], 1862 guideUrl: '/guides/usbank-altitude-go-review-2026' 1863 }, 1864 1865 /* âââ USAA â RATE ADVANTAGE âââ */ 1866 { 1867 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', 1868 issuer: 'USAA', network: 'Visa', annualFee: 0, bonusValue: 0, 1869 bonusDesc: 'No welcome bonus â lowest APR option for USAA members', bonusShort: 'No Bonus', 1870 bestFor: 'Military Families â Low APR', cardScore: 4.0, minScore: 'fair', 1871 categories: ['nofee'], 1872 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 1873 foreignFee: 'None', rateLabel: '1à on all purchases', 1874 applyUrl: 'https://www.usaa.com/inet/wc/bank-credit-cards-rate-advantage', 1875 affiliateUrl: null, 1876 cardArt: { bg: 'linear-gradient(135deg,#003087 0%,#004AAD 50%,#001E60 100%)', highlight: 'rgba(0,100,200,.2)' }, 1877 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'], 1878 cons: ['No rewards program','Only available to military members, veterans & eligible family','No welcome bonus'], 1879 tags: ['No Annual Fee','Military','Low APR','No FTF'], 1880 guideUrl: '/guides/usaa-rate-advantage-review-2026' 1881 }, 1882 1883 /* âââ PENFED â PLATINUM REWARDS âââ */ 1884 { 1885 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', 1886 issuer: 'PenFed', network: 'Visa', annualFee: 0, bonusValue: 100, 1887 bonusDesc: '15,000 pts after $1,500 spend in 90 days', bonusShort: '15,000 pts', 1888 bestFor: 'Gas & Groceries â Credit Union', cardScore: 4.1, minScore: 'good', 1889 categories: ['cashback','gas','nofee'], 1890 rates: { travel:1, dining:3, grocery:3, gas:5, online:1, other:1 }, 1891 foreignFee: 'None', rateLabel: '5à gas · 3à grocery & dining', 1892 applyUrl: 'https://www.penfed.org/credit-cards/platinum-rewards-visa', 1893 affiliateUrl: null, 1894 cardArt: { bg: 'linear-gradient(135deg,#002D6B 0%,#003C8F 50%,#001A4A 100%)', highlight: 'rgba(0,100,200,.18)' }, 1895 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'], 1896 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'], 1897 tags: ['No Annual Fee','Gas 5Ã','Groceries 3Ã','No FTF','Credit Union'], 1898 guideUrl: '/guides/penfed-platinum-rewards-review-2026' 1899 }, 1900 1901 /* âââ CITI â COSTCO ANYWHERE VISA âââ */ 1902 { 1903 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', 1904 issuer: 'Citi', network: 'Visa', annualFee: 0, bonusValue: 0,
1905 bonusDesc: 'No welcome bonus â exclusive benefit for Costco members', bonusShort: 'No Bonus', 1906 bestFor: 'Costco Members â Gas & Dining', cardScore: 4.3, minScore: 'good', 1907 categories: ['cashback','gas','nofee'], 1908 rates: { travel:3, dining:3, grocery:1, gas:4, online:1, other:1 }, // 5% is Costco gas only; 4% everywhere else 1909 foreignFee: 'None', rateLabel: '5% gas at Costco · 4% other gas/EV · 3% dining & travel · 2% Costco', 1910 note: 'Requires a paid Costco membership, $65 a year or more. That cost is not in the figure above.', 1911 applyUrl: 'https://www.costco.com/citi-credit-card.html', 1912 affiliateUrl: null, 1913 cardArt: { bg: 'linear-gradient(135deg,#0033A0 0%,#0044CC 50%,#002080 100%)', highlight: 'rgba(0,100,220,.18)' }, 1914 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'], 1915 cons: ['Requires Costco membership ($65+/yr)','Cash back paid once a year as certificate redeemable at Costco','No welcome bonus'], 1916 tags: ['No Annual Fee','Gas 5%','Cash Back','No FTF'], 1917 guideUrl: '/guides/costco-anywhere-visa-review-2026' 1918 }, 1919 1920 /* âââ BARCLAYS â FRONTIER AIRLINES âââ */ 1921 { 1922 id: 'frontier-airlines-mastercard', cardImage: 'https://runway-media-production.global.ssl.fastly.net/us/originals/2024/06/Frontier-Airlines-World-Mastercard.jpg', name: 'Frontier Airlines World Mastercard®', 1923 issuer: 'Barclays', network: 'Mastercard', annualFee: 99, bonusValue: 360, 1924 bonusDesc: '60,000 miles after $1,000 spend + paying the annual fee, both in 90 days', bonusShort: '60,000 miles', 1925 bestFor: 'Frontier Airlines Budget Flyers', cardScore: 3.8, minScore: 'good', 1926 categories: ['airline'], 1927 rates: { travel:5, dining:3, grocery:1, gas:1, online:1, other:1 }, 1928 foreignFee: '3%', rateLabel: '5à Frontier purchases', 1929 applyUrl: 'https://cards.barclaycardus.com/banking/cards/frontier-airlines-world-mastercard/', 1930 affiliateUrl: null, 1931 cardArt: { bg: 'linear-gradient(135deg,#00805C 0%,#00A876 50%,#005C42 100%)', highlight: 'rgba(0,200,140,.18)' }, 1932 pros: ['60,000 mile bonus after just $500 spend','5à on Frontier purchases','3à on dining','Redemption for free Frontier flights','Seat discount benefit'], 1933 cons: ['$99 annual fee','3% foreign transaction fee','Frontier is a budget airline â limited routes'], 1934 tags: ['Airline','Frontier','Budget Travel'], 1935 guideUrl: '/guides/best-airline-credit-cards-2026' 1936 }, 1937 1938 /* âââ BARCLAYS â JETBLUE BUSINESS âââ */ 1939 { 1940 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', 1941 issuer: 'Barclays', network: 'Mastercard', annualFee: 99, bonusValue: 333, 1942 bonusDesc: '50,000 pts after $4,000 spend + annual fee paid in 90 days', bonusShort: '50,000 pts', 1943 bestFor: 'JetBlue Business Travelers', cardScore: 4.0, minScore: 'good', 1944 categories: ['airline','business'], 1945 rates: { travel:6, dining:2, grocery:2, gas:2, online:2, other:1 }, 1946 foreignFee: 'None', rateLabel: '6à JetBlue purchases', 1947 applyUrl: 'https://cards.barclaycardus.com/banking/cards/jetblue-business-card/', 1948 affiliateUrl: null, 1949 cardArt: { bg: 'linear-gradient(135deg,#0033A0 0%,#003DB5 50%,#001F78 100%)', highlight: 'rgba(0,100,220,.2)' }, 1950 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'], 1951 cons: ['$99 annual fee','Best value for JetBlue-loyal businesses only','Points not transferable to other airline programs'], 1952 tags: ['Airline','JetBlue','Business','No FTF'], 1953 guideUrl: '/guides/best-business-travel-credit-cards-2026' 1954 }, 1955 1956 /* âââ CREDIT ONE â PLATINUM VISA âââ */ 1957 { 1958 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', 1959 issuer: 'Credit One Bank', network: 'Visa', annualFee: 75, bonusValue: 0, 1960 bonusDesc: 'No welcome bonus â designed for fair/bad credit applicants', bonusShort: 'No Bonus', 1961 bestFor: 'Fair or Bad Credit â Unsecured Card', cardScore: 3.2, minScore: 'fair', 1962 categories: ['secured'], 1963 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 1964 foreignFee: '3%', rateLabel: '1% cash back on select purchases', 1965 applyUrl: 'https://www.creditonebank.com/credit-cards/visa-credit-card', 1966 affiliateUrl: null, 1967 cardArt: { bg: 'linear-gradient(135deg,#3A3A3A 0%,#555555 50%,#2A2A2A 100%)', highlight: 'rgba(180,180,180,.15)' }, 1968 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'], 1969 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'], 1970 tags: ['Build Credit','Fair Credit','Unsecured'], 1971 guideUrl: '/guides/best-secured-credit-cards-2026' 1972 }, 1973 1974 /* âââ SELF â VISA SECURED âââ */ 1975 { 1976 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', 1977 issuer: 'Self Financial', network: 'Visa', annualFee: 25, bonusValue: 0,
1978 bonusDesc: 'No welcome bonus â credit-builder loan secures your deposit', bonusShort: 'No Bonus', 1979 bestFor: 'Build Credit with No Upfront Deposit', cardScore: 3.9, minScore: 'poor', 1980 categories: ['secured'], 1981 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 1982 foreignFee: '3%', rateLabel: '1à on all purchases', 1983 applyUrl: 'https://www.self.inc/visa-secured-credit-card', 1984 affiliateUrl: null, 1985 cardArt: { bg: 'linear-gradient(135deg,#2E4057 0%,#3D5470 50%,#1E2E3E 100%)', highlight: 'rgba(80,130,200,.18)' }, 1986 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'], 1987 cons: ['Requires active Self Credit Builder Account first','$25 annual fee after the first year','3% foreign transaction fee','No rewards program'], 1988 tags: ['Build Credit','Secured','No Deposit'], 1989 guideUrl: '/guides/best-secured-credit-cards-2026' 1990 }, 1991 1992 /* âââ FIRST PROGRESS â SECURED CARDS âââ */ 1993 { 1994 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', 1995 issuer: 'First Progress', network: 'Mastercard', annualFee: 39, bonusValue: 0, 1996 bonusDesc: 'No welcome bonus â secured card for building credit', bonusShort: 'No Bonus', 1997 bestFor: 'Building Credit â No Minimum Score', cardScore: 3.5, minScore: 'poor', 1998 categories: ['secured'], 1999 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 2000 foreignFee: '3%', rateLabel: '1% back on payments (as statement credits)', 2001 applyUrl: 'https://firstprogress.com/', 2002 affiliateUrl: null, 2003 cardArt: { bg: 'linear-gradient(135deg,#B8703A 0%,#D9955C 50%,#8E5228 100%)', highlight: 'rgba(255,220,180,.18)' }, 2004 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'], 2005 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'], 2006 tags: ['Build Credit','Secured','No Credit Score Required','Reports to 3 Bureaus'], 2007 guideUrl: '/guides/best-secured-credit-cards-2026' 2008 }, 2009 { 2010 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', 2011 issuer: 'First Progress', network: 'Mastercard', annualFee: 49, bonusValue: 0, 2012 bonusDesc: 'No welcome bonus â secured card for building credit', bonusShort: 'No Bonus', 2013 bestFor: 'Building Credit While Carrying a Balance', cardScore: 3.6, minScore: 'poor', 2014 categories: ['secured'], 2015 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 2016 foreignFee: '3%', rateLabel: '1% back on payments (as statement credits)', 2017 applyUrl: 'https://firstprogress.com/', 2018 affiliateUrl: null, 2019 cardArt: { bg: 'linear-gradient(135deg,#1F4D2E 0%,#2F6B40 50%,#143820 100%)', highlight: 'rgba(160,220,170,.16)' }, 2020 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'], 2021 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'], 2022 tags: ['Build Credit','Secured','Low APR','Reports to 3 Bureaus'], 2023 guideUrl: '/guides/best-secured-credit-cards-2026' 2024 }, 2025 2026 /* âââ CHIME âââ */ 2027 { 2028 id: 'chime-card', name: 'Chime Cardâ¢', 2029 issuer: 'Chime', network: 'Visa', annualFee: 0, bonusValue: 0, 2030 bonusDesc: 'No welcome bonus â secured card with no credit check', bonusShort: 'No Bonus', 2031 bestFor: 'Building Credit with No Fees or Credit Check', cardScore: 3.9, minScore: 'poor', 2032 categories: ['secured','nofee'], 2033 rates: { travel:1, dining:1, grocery:1, gas:1, online:1, other:1 }, 2034 foreignFee: 'None', rateLabel: 'Up to 5% (Chime Prime) or 2% (Chime+) cash back on the first $1,500 with qualifying direct deposit', 2035 applyUrl: 'https://www.chime.com/credit/', 2036 affiliateUrl: null, 2037 cardArt: { bg: 'linear-gradient(135deg,#1EC677 0%,#0FA968 50%,#0B7F4F 100%)', highlight: 'rgba(255,255,255,.18)' }, 2038 pros: ['$0 annual fee, 0% APR and no late fees','No credit check or hard inquiry to apply','Reports to TransUnion, Experi
2038an and Equifax','Cash back of 2% (Chime+) or 5% (Chime Prime) on up to $1,500 of purchases'], 2039 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'], 2040 tags: ['Build Credit','No Credit Check','No Annual Fee','Secured'], 2041 guideUrl: '/guides/best-secured-credit-cards-2026' 2042 }, 2043 2044 /* âââ GEMINI âââ */ 2045 { 2046 id: 'gemini-credit-card', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/a2b89f50-9005-11f0-832a-f3f3309a1b0c.png', name: 'Gemini Credit Card®', 2047 issuer: 'Gemini', network: 'Mastercard', annualFee: 0, bonusValue: 0, 2048 bonusDesc: 'No welcome bonus â intro offer paused Jan 31, 2026', bonusShort: 'No Bonus', 2049 bestFor: 'Earning Crypto on Everyday Spending', cardScore: 4.0, minScore: 'good', 2050 categories: ['cashback','nofee','gas'], 2051 rates: { travel:1, dining:3, grocery:2, gas:4, online:1, other:1 }, 2052 foreignFee: 'None', rateLabel: '4% gas, EV & transit (first $300/mo) · 3% dining · 2% grocery · 1% other â paid in crypto', 2053 applyUrl: 'https://www.gemini.com/credit-card', 2054 affiliateUrl: null, 2055 cardArt: { bg: 'linear-gradient(135deg,#0F1C2E 0%,#1B3A5C 50%,#00DCFA 140%)', highlight: 'rgba(0,220,250,.16)' }, 2056 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'], 2057 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'], 2058 tags: ['No Annual Fee','Crypto Rewards','Gas 4%','No FTF'] 2059 }, 2060 2061 /* âââ MISSION LANE âââ */ 2062 { 2063 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', 2064 issuer: 'Mission Lane', network: 'Visa', annualFee: 0, bonusValue: 0, 2065 bonusDesc: 'No welcome bonus â unsecured card for fair credit', bonusShort: 'No Bonus', 2066 bestFor: 'Fair Credit â Cash Back with No Deposit', cardScore: 3.7, minScore: 'fair', 2067 categories: ['secured','cashback','nofee'], 2068 rates: { travel:1.5, dining:1.5, grocery:1.5, gas:1.5, online:1.5, other:1.5 }, 2069 foreignFee: 'None', rateLabel: 'Unlimited 1.5% cash back', 2070 applyUrl: 'https://www.missionlane.com/', 2071 affiliateUrl: null, 2072 cardArt: { bg: 'linear-gradient(135deg,#1A3A5C 0%,#2E5A8A 50%,#102840 100%)', highlight: 'rgba(60,140,220,.18)' }, 2073 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'], 2074 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'], 2075 tags: ['Fair Credit','Cash Back','No Annual Fee','Soft-Check Prequal'], 2076 guideUrl: '/guides/best-secured-credit-cards-2026' 2077 }, 2078 2079 /* âââ GOLDMAN SACHS â APPLE CARD âââ */ 2080 { 2081 id: 'apple-card', cardImage: 'https://cdn.prodstatic.com/shared/images/cards/219x139/5d472db0-f540-11eb-99d8-ddd3faec9ad4.png', name: 'Apple Card', 2082 issuer: 'Goldman Sachs', network: 'Mastercard', annualFee: 0, bonusValue: 0, 2083 bonusDesc: 'No welcome bonus â Apple does not offer sign-up bonuses', bonusShort: 'No Bonus', 2084 bestFor: 'Apple Pay Users & iPhone Owners', cardScore: 4.3, minScore: 'good', 2085 categories: ['cashback','nofee'], 2086 rates: { travel:2, dining:2, grocery:2, gas:2, online:2, other:1 }, 2087 foreignFee: 'None', rateLabel: '3% at Apple · 2% via Apple Pay · 1% card swipe', 2088 applyUrl: 'https://www.apple.com/apple-card/', 2089 affiliateUrl: null, 2090 cardArt: { bg: 'linear-gradient(135deg,#1D1D1F 0%,#3A3A3C 50%,#1D1D1F 100%)', highlight: 'rgba(255,255,255,.15)' }, 2091 pros: ['No annual fee, no foreign transaction fees, no late fees','3% Daily Cash at Apple (Apple Store, apple.com, Ap
2091p 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'], 2092 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'], 2093 tags: ['No Annual Fee','No FTF','Apple Pay','iPhone Required'] 2094 } 2095 ]; 2096 2097 /* ââ CARD FRESHNESS METADATA ââââââââââââââââââââââââââââââââââââââââââââââââââ 2098 * bonusFloor: Conservative minimum bonus value in $ (lowest confirmed offer) 2099 * bonusUpdated: ISO date of last manual verification against issuer page 2100 * isHub: true = this card is the weekly spot-check proxy for its issuer 2101 * hubCardId: Which card to verify to proxy freshness for the whole issuer family 2102 * 2103 * MAINTENANCE: When you verify a card, update bonusUpdated to today's date. 2104 * If the bonus has changed, update bonusDesc/bonusShort/bonusValue in ALL_CARDS 2105 * AND lower bonusFloor if the new offer is lower than the current floor. 2106 * Hub cards should be checked weekly; spokes inherit hub freshness for badges. 2107 * ââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââ */ 2108 window.CARD_FRESHNESS = { 2109 // ââ CHASE (hub: chase-sapphire-preferred) ââ 2110 'chase-sapphire-preferred': { bonusFloor: 600, bonusUpdated: '2026-09-01', isHub: true, hubCardId: 'chase-sapphire-preferred' }, 2111 'chase-sapphire-reserve': { bonusFloor: 900, bonusUpdated: '2026-08-12', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2112 'chase-freedom-unlimited': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2113 'chase-freedom-flex': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2114 'united-explorer': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2115 'southwest-rapid-rewards-plus': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2116 'southwest-rapid-rewards-priority': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2117 'marriott-bonvoy-boundless': { bonusFloor: 450, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2118 'world-of-hyatt': { bonusFloor: 450, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2119 'ihg-one-rewards-premier': { bonusFloor: 700, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2120 'ink-business-unlimited': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2121 'ink-business-cash': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2122 'ink-business-preferred': { bonusFloor: 900, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2123 'chase-freedom-rise': { bonusFloor: 25, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2124 'chase-slate': { bonusFloor: 0, bonusUpdated: '2026-06-25', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2125 // ââ AMERICAN EXPRESS (hub: amex-gold) ââ 2126 'amex-gold': { bonusFloor: 900, bonusUpdated: '2026-09-01', isHub: true, hubCardId: 'amex-gold' }, 2127 'amex-platinum': { bonusFloor: 1500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2128 'amex-blue-cash-preferred': { bonusFloor: 300, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2129 'amex-blue-cash-everyday': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2130 'delta-gold-amex': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2131 'delta-platinum-amex': { bonusFloor: 750, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2132 'delta-reserve-amex': { bonusFloor: 1000, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2133 'hilton-honors-surpass': { bonusFloor: 600, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2134 'hilton-honors-amex': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2135 'hilton-honors-aspire': { bonusFloor: 1200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2136 'marriott-bonvoy-brilliant': { bonusFloor: 900, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2137 'amex-blue-business-cash': { bonusFloor: 250, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2138 'amex-blue-business-plus': { bonusFloor: 250, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2139 'amex-business-gold': { bonusFloor: 900, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2140 'amex-business-platinum': { bonusFloor: 1500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2141 // ââ CAPITAL ONE (hub: capital-one-venture-x) ââ 2142 'capital-one-venture-x': { bonusFloor: 1050, bonusUpdated: '2026-09-01', isHub: true, hubCardId: 'capital-one-venture-x' }, 2143 'capital-one-venture': { bonusFloor: 900, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'capital-one-venture-x' }, 2144 'capital-one-quicksilver': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'capital-one-venture-x' }, 2145 'capital-one-savor-one': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'capital-one-venture-x' },
2146 'capital-one-spark-cash-plus': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'capital-one-venture-x' }, 2147 'capital-one-platinum-secured': { bonusFloor: 0, bonusUpdated: '2026-09-01', isHub: false, hubCardId: 'capital-one-venture-x' }, 2148 'capital-one-quicksilver-student': { bonusFloor: 50, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'capital-one-venture-x' }, 2149 'capital-one-savor-student': { bonusFloor: 50, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'capital-one-venture-x' }, 2150 // ââ DISCOVER (hub: discover-it-cashback) ââ 2151 'discover-it-cashback': { bonusFloor: 200, bonusUpdated: '2026-09-01', isHub: true, hubCardId: 'discover-it-cashback' }, 2152 'discover-it-student': { bonusFloor: 100, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'discover-it-cashback' }, 2153 'discover-it-secured': { bonusFloor: 100, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'discover-it-cashback' }, 2154 'discover-it-student-chrome': { bonusFloor: 100, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'discover-it-cashback' }, 2155 // ââ CITI (hub: citi-premier) ââ 2156 'citi-premier': { bonusFloor: 500, bonusUpdated: '2026-09-01', isHub: true, hubCardId: 'citi-premier' }, 2157 'citi-double-cash': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'citi-premier' }, 2158 'citi-simplicity': { bonusFloor: 0, bonusUpdated: '2026-09-01', isHub: false, hubCardId: 'citi-premier' }, 2159 'citi-aadvantage-platinum': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'citi-premier' }, 2160 'aadvantage-mileup': { bonusFloor: 150, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'citi-premier' },
2161 // ââ WELLS FARGO (hub: wells-fargo-active-cash) ââ 2162 'wells-fargo-active-cash': { bonusFloor: 100, bonusUpdated: '2026-09-01', isHub: true, hubCardId: 'wells-fargo-active-cash' }, 2163 'wells-fargo-autograph': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'wells-fargo-active-cash' }, 2164 'wells-fargo-reflect': { bonusFloor: 0, bonusUpdated: '2026-09-01', isHub: false, hubCardId: 'wells-fargo-active-cash' }, 2165 // ââ BANK OF AMERICA (hub: bofa-customized-cash) ââ 2166 'bofa-customized-cash': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: true, hubCardId: 'bofa-customized-cash' }, 2167 'bofa-travel-rewards': { bonusFloor: 250, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'bofa-customized-cash' }, 2168 'bofa-travel-rewards-student': { bonusFloor: 250, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'bofa-customized-cash' }, 2169 'bofa-customized-cash-student': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'bofa-customized-cash' }, 2170 'bofa-unlimited-cash-student': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'bofa-customized-cash' }, 2171 // ââ U.S. BANK (hub: usbank-altitude-connect) ââ 2172 'usbank-altitude-connect': { bonusFloor: 200, bonusUpdated: '2026-09-01', isHub: true, hubCardId: 'usbank-altitude-connect' }, 2173 // ââ BARCLAYS (hub: wyndham-earner-plus) ââ 2174 'wyndham-earner-plus': { bonusFloor: 350, bonusUpdated: '2026-08-12', isHub: true, hubCardId: 'wyndham-earner-plus' }, 2175 // ââ LUXURY CARD (hub: luxury-card-titanium) ââ 2176 'luxury-card-titanium': { bonusFloor: 0, bonusUpdated: '2026-08-12', isHub: true, hubCardId: 'luxury-card-titanium' }, 2177 'luxury-card-black': { bonusFloor: 0, bonusUpdated: '2026-09-05', isHub: false, hubCardId: 'luxury-card-titanium' }, 2178 'luxury-card-gold': { bonusFloor: 0, bonusUpdated: '2026-09-05', isHub: false, hubCardId: 'luxury-card-titanium' }, 2179 // ââ PAYPAL (hub: paypal-cashback-mastercard) ââ 2180 'paypal-cashback-mastercard': { bonusFloor: 0, bonusUpdated: '2026-08-12', isHub: true, hubCardId: 'paypal-cashback-mastercard' }, 2181 // ââ VENMO (hub: venmo-credit-card) ââ 2182 'venmo-credit-card': { bonusFloor: 0, bonusUpdated: '2026-08-12', isHub: true, hubCardId: 'venmo-credit-card' }, 2183 // ââ OPENSKY (hub: opensky-plus-secured) ââ 2184 'opensky-plus-secured': { bonusFloor: 30, bonusUpdated: '2026-09-05', isHub: true, hubCardId: 'opensky-plus-secured' }, 2185 'opensky-launch-secured': { bonusFloor: 0, bonusUpdated: '2026-09-05', isHub: false, hubCardId: 'opensky-plus-secured' }, 2186 'opensky-secured-visa': { bonusFloor: 20, bonusUpdated: '2026-09-05', isHub: false, hubCardId: 'opensky-plus-secured' }, 2187 // ââ BILT (hub: bilt-rewards) ââ 2188 'bilt-rewards': { bonusFloor: 0, bonusUpdated: '2026-09-19', isHub: true, hubCardId: 'bilt-rewards' }, 2189 'bilt-obsidian': { bonusFloor: 100, bonusUpdated: '2026-09-19', isHub: false, hubCardId: 'bilt-rewards' }, 2190 'bilt-palladium': { bonusFloor: 300, bonusUpdated: '2026-09-19', isHub: false, hubCardId: 'bilt-rewards' }, 2191 // ââ CAPITAL ONE â VENTUREONE ââ 2192 'capital-one-venture-one': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'capital-one-venture-x' }, 2193 // ââ AMEX GREEN (hub: amex-gold) ââ 2194 // ââ CHASE â UNITED FAMILY ââ 2195 'united-quest': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2196 'united-club-infinite': { bonusFloor: 700, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2197 'amazon-prime-rewards': { bonusFloor: 150, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2198 'british-airways-visa': { bonusFloor: 400, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2199 'aeroplan-chase': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2200 'marriott-bonvoy-bold': { bonusFloor: 225, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2201 'ihg-one-rewards-traveler': { bonusFloor: 300, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2202 'southwest-rapid-rewards-business': { bonusFloor: 400, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2203 'united-business-card': { bonusFloor: 400, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2204 'ink-business-premier': { bonusFloor: 750, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2205 'chase-slate-edge': { bonusFloor: 0, bonusUpdated: '2026-06-22', isHub: false, hubCardId: 'chase-sapphire-preferred' }, 2206 // ââ AMEX â NEW ADDITIONS (hub: amex-gold) ââ 2207 'marriott-bonvoy-business-amex': { bonusFloor: 600, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2208 'hilton-honors-business-amex': { bonusFloor: 700, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2209 'delta-gold-business-amex': { bonusFloor: 600, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2210 'delta-blue-amex': { bonusFloor: 140, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2211 'delta-platinum-business-amex': { bonusFloor: 700, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2212 'delta-reserve-business-amex': { bonusFloor: 1000, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'amex-gold' }, 2213 // ââ BANK OF AMERICA â ALASKA AIRLINES ââ 2214 'alaska-airlines-visa': { bonusFloor: 500, bonusUpdated: '2026-08-12', isHub: true, hubCardId: 'alaska-airlines-visa' }, 2215 'bofa-premium-rewards': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'bofa-customized-cash' }, 2216 // ââ BARCLAYS â NEW ADDITIONS (hub: wyndham-earner-plus) ââ 2217 'jetblue-plus': { bonusFloor: 400, bonusUpdated: '2026-08-12', isHub: true, hubCardId: 'jetblue-plus' }, 2218 'jetblue-business-card': { bonusFloor: 333, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'jetblue-plus' }, 2219 'wyndham-earner': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'wyndham-earner-plus' }, 2220 'frontier-airlines-mastercard': { bonusFloor: 200, bonusUpdated: '2026-08-12', isHub: true, hubCardId: 'frontier-airlines-mastercard' }, 2221 // ââ WELLS FARGO â NEW (hub: wells-fargo-active-cash) ââ 2222 'choice-privileges-select': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'wells-fargo-active-cash' }, 2223 'wells-fargo-autograph-journey': { bonusFloor: 400, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'wells-fargo-active-cash' }, 2224 // ââ U.S. BANK â NEW ADDITIONS (hub: usbank-altitude-connect) ââ 2225 'usbank-cash-plus': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'usbank-altitude-connect' }, 2226 'usbank-altitude-go': { bonusFloor: 200, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'usbank-altitude-connect' }, 2227 'usbank-visa-platinum': { bonusFloor: 0, bonusUpdated: '2026-06-22', isHub: false, hubCardId: 'usbank-altitude-connect' }, 2228 'usbank-smartly-visa-signature': { bonusFloor: 0, bonusUpdated: '2026-08-12', isHub: false, hubCardId: 'usbank-altitude-connect' }, 2229 // ââ CITI â NEW ADDITIONS (hub: citi-premier) ââ 2230 'citi-aadvantage-executive': { bonusFloor: 560, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'citi-premier' }, 2231 'citi-diamond-preferred': { bonusFloor: 0, bonusUpdated: '2026-06-22', isHub: false, hubCardId: 'citi-premier' }, 2232 'costco-anywhere-visa': { bonusFloor: 0, bonusUpdated: '2026-08-12', isHub: true, hubCardId: 'costco-anywhere-visa' }, 2233 // ââ CAPITAL ONE â NEW BUSINESS (hub: capital-one-venture-x) ââ
2234 'capital-one-spark-miles': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'capital-one-venture-x' }, 2235 'capital-one-spark-cash-select': { bonusFloor: 500, bonusUpdated: '2026-08-21', isHub: false, hubCardId: 'capital-one-venture-x' }, 2236 // ââ FIDELITY (hub: fidelity-rewards-visa) ââ 2237 'fidelity-rewards-visa': { bonusFloor: 0, bonusUpdated: '2026-08-12', isHub: true, hubCardId: 'fidelity-rewards-visa' }, 2238 // ââ USAA (hub: usaa-rate-advantage-visa) ââ 2239 'usaa-rate-advantage-visa': { bonusFloor: 0, bonusUpdated: '2026-08-12', isHub: true, hubCardId: 'usaa-rate-advantage-visa' }, 2240 // ââ PENFED (hub: penfed-platinum-rewards) ââ 2241 'penfed-platinum-rewards': { bonusFloor: 75, bonusUpdated: '2026-08-12', isHub: true, hubCardId: 'penfed-platinum-rewards' }, 2242 // ââ CREDIT ONE (hub: credit-one-platinum-visa) ââ 2243 'credit-one-platinum-visa': { bonusFloor: 0, bonusUpdated: '2026-08-12', isHub: true, hubCardId: 'credit-one-platinum-visa' }, 2244 // ââ SELF FINANCIAL (hub: self-visa-secured) ââ 2245 'self-visa-secured': { bonusFloor: 0, bonusUpdated: '2026-08-12', isHub: true, hubCardId: 'self-visa-secured' }, 2246 // ââ FIRST PROGRESS (hub: first-progress-select) ââ 2247 'first-progress-select': { bonusFloor: 0, bonusUpdated: '2026-09-19', isHub: true, hubCardId: 'first-progress-select' }, 2248 'first-progress-prestige': { bonusFloor: 0, bonusUpdated: '2026-09-19', isHub: false, hubCardId: 'first-progress-select' }, 2249 // ââ CHIME (hub: chime-card) ââ 2250 'chime-card': { bonusFloor: 0, bonusUpdated: '2026-09-19', isHub: true, hubCardId: 'chime-card' }, 2251 // ââ GEMINI (hub: gemini-credit-card) ââ 2252 'gemini-credit-card': { bonusFloor: 0, bonusUpdated: '2026-09-19', isHub: true, hubCardId: 'gemini-credit-card' }, 2253 // ââ MISSION LANE (hub: mission-lane-visa) ââ 2254 'mission-lane-visa': { bonusFloor: 0, bonusUpdated: '2026-09-19', isHub: true, hubCardId: 'mission-lane-visa' }, 2255 // ââ GOLDMAN SACHS (hub: apple-card) ââ 2256 'apple-card': { bonusFloor: 0, bonusUpdated: '2026-09-06', isHub: true, hubCardId: 'apple-card' } 2257 }; 2258 2259 /* ââ AFFILIATE HELPER âââââââââââââââââââââââââââââââââââââââââââââââââââââââââ 2260 * Returns affiliateUrl when set, otherwise falls back to applyUrl. 2261 * To activate an affiliate link: set affiliateUrl on the card in ALL_CARDS. 2262 * ââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââ */ 2263 window.getApplyUrl = function (card) { 2264 return card.affiliateUrl || card.applyUrl; 2265 }; 2266 2267 /* ââ FRESHNESS HELPER ââââââââââââââââââââââââââââââââââââââââââââââââââââââââââ 2268 * Returns display data for a card's bonus, flagging stale data (> 90 days old). 2269 * Stale cards: use bonusFloor for sort ranking, show a verify badge in the UI. 2270 * Usage: const bd = getBonusDisplay(card); if (bd.stale) { ... } 2271 * ââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââââ */ 2272 window.getBonusDisplay = function (card) { 2273 var f = (window.CARD_FRESHNESS || {})[card.id] || {}; 2274 var daysOld = f.bonusUpdated 2275 ? Math.floor((Date.now() - new Date(f.bonusUpdated)) / 86400000) 2276 : 999; 2277 var stale = daysOld > 90; 2278 return { 2279 value: stale ? (f.bonusFloor != null ? f.bonusFloor : card.bonusValue) : card.bonusValue, 2280 desc: card.bonusDesc, 2281 short: card.bonusShort, 2282 stale: stale, 2283 lastVerified: f.bonusUpdated || null, 2284 daysOld: daysOld 2285 }; 2286 }; 2287 2288 /* ââ CATEGORY CONFIGS ââ */ 2289 window.CARD_CATEGORIES = { 2290 bestoffers: { label: 'Best Offers', icon: '<i class="fas fa-star"></i>', desc: 'Top cards with the best current sign-up bonuses and overall value.' }, 2291 travel: { label: 'Travel Rewards', icon: '<i class="fas fa-plane"></i>', desc: 'Earn points or miles on flights, hotels, and travel spending.' }, 2292 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.' }, 2293 dining: { label: 'Dining', icon: '<i class="fas fa-utensils"></i>', desc: 'Maximize rewards at restaurants, bars, and food delivery.' }, 2294 nofee: { label: 'No Annual Fee', icon: '<i class="fas fa-tag"></i>', desc: 'Zero annual fee cards that still deliver great value.' }, 2295 hotel: { label: 'Hotel Cards', icon: '<i class="fas fa-hotel"></i>', desc: 'Earn hotel points and elite status benefits.' }, 2296 airline: { label: 'Airline Cards', icon: '<i class="fas fa-plane-departure"></i>', desc: 'Earn miles and perks with your favorite airline.' }, 2297 gas: { label: 'Gas Cards', icon: '<i class="fas fa-gas-pump"></i>', desc: 'Best cards for gas station rewards and EV charging.' }, 2298 student: { label: 'Student', icon: '<i class="fas fa-graduation-cap"></i>
2298', desc: 'Build credit and earn rewards with no prior history needed.' }, 2299 balancetransfer:{ label: 'Balance Transfer', icon: '<i class="fas fa-sync-alt"></i>', desc: 'Long 0% intro APR periods to pay down existing debt.' }, 2300 business: { label: 'Business Cards', icon: '<i class="fas fa-briefcase"></i>', desc: 'Earn rewards on business purchases with perks for entrepreneurs.' }, 2301 secured: { label: 'Build Credit', icon: '<i class="fas fa-lock"></i>', desc: 'Secured and starter cards to establish or rebuild your credit score.' } 2302 }; 2303 2304})();
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.