# credit_card_offers

issuer: JPMorgan Chase Bank, N.A.
card_offer: Ink Business Premier® Credit Card
segment: BUSINESS
category: CASH_BACK
cash_bonus: 1000
spend_requirement: 10000
spend_timeframe_days_tier_1: 90
spend_requirement_timing: Spend $10,000 on purchases in the first 3 months from account opening.
intro_apr: Not found on public source
regular_apr: Pay-in-full card with Flex for Business variable APR of 17.74% to 28.49%.
source_url: https://creditcards.chase.com/business-credit-cards/ink/premier
source_basis: Official product page and pricing terms page
retrieved: 2026-05-29T23:41:14-06:00
created_at: 2026-05-30 05:43:41
updated_at: 2026-05-30 15:47:45
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  Earn $1,000 bonus cash back after spending $10,000 on purchases in the first 3 months from account opening.

rewards_key_perks:
  Earn 2.5% cash back on every purchase of $5,000 or more and 2% cash back on all other business purchases.

notes:
  Product page describes this as a Pay in Full card; pricing terms page LGC63834 states Flex for Business APR. No intro APR was found on public official sources.

raw_json:
  {"card": "Ink Business Premier® Credit Card", "evidence": ["Product page states $1,000 bonus cash back after $10,000 in purchases in the first 3 months from account opening.", "Product page states this is a Pay in Full card and lists Flex for Business variable APR of 17.74% to 28.49%.", "Product page states a $195 annual fee.", "Product page states 2.5% cash back on purchases of $5,000 or more and 2% cash back on all other business purchases."], "limitations": ["No intro APR was found on public official sources."], "research_pass": {"method": "Official public Chase listing pages, product pages, and pricing-and-terms pages opened in browser; no application, login, or preapproval flow used.", "retrieved": "2026-05-29T23:41:14-06:00"}, "skipped_scope": ["Chase co-brand partner rows were not inserted in this direct-issuer pass because separate target rows already cover or should cover Air Canada Aeroplan, Amazon, DoorDash, IHG One Rewards, Instacart, Marriott Bonvoy, Southwest Rapid Rewards, United MileagePlus, World of Hyatt, and similar partner portfolios.", "No application forms were submitted and no login or preapproval flows were used."], "sources": [{"basis": "Official all-cards listing page", "url": "https://creditcards.chase.com/all-credit-cards"}, {"basis": "Official Chase for Business card listing page", "url": "https://creditcards.chase.com/business-credit-cards/chaseforbusiness"}, {"basis": "Official product page", "url": "https://creditcards.chase.com/business-credit-cards/ink/premier"}, {"basis": "Official pricing and terms page", "url": "https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC63834.html"}], "target": {"alternate_issuer_url": "https://creditcards.chase.com/newest-offers-credit-cards", "id": 1, "institution": "JPMorgan Chase", "institution_type": "Bank/Card Issuer", "known_issuer_partner": "JPMorgan Chase Bank, N.A.", "offer_research_url": "https://creditcards.chase.com/all-credit-cards", "role": "Primary issuer and co-brand issuer"}}


issuer: JPMorgan Chase Bank, N.A.
card_offer: Sapphire Reserve for Business℠ Credit Card
segment: BUSINESS
category: TRAVEL_REWARDS
bonus_miles: 150000
cash_bonus: NA
spend_requirement: 20000
spend_timeframe_days_tier_1: 90
spend_requirement_timing: Spend $20,000 on purchases in the first 3 months from account opening.
intro_apr: Not found on public source
regular_apr: Pay-in-full card with Flex for Business variable APR of 17.74% to 28.49% per pricing terms.
source_url: https://creditcards.chase.com/business-credit-cards/sapphire/reserve
source_basis: Official product page and pricing terms page
retrieved: 2026-05-29T23:41:14-06:00
created_at: 2026-05-30 05:43:41
updated_at: 2026-05-30 15:47:45
bonus_miles_type: Ultimate Rewards points
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  Earn 150,000 bonus points after spending $20,000 on purchases in the first 3 months from account opening.

rewards_key_perks:
  8x points on Chase Travel including The Edit; 5x total points on Lyft rides through 9/30/27; 4x points on flights and hotels booked direct; 3x points on social media and search engine advertising; 1x other purchases; $300 annual travel credit.

notes:
  Product page describes this as a Pay in Full credit card; pricing terms page LGC63786 reviewed for Flex for Business APR. No intro APR was found on public official sources.

raw_json:
  {"card": "Sapphire Reserve for Business℠ Credit Card", "evidence": ["Product page states 150,000 bonus points after $20,000 in purchases in the first 3 months from account opening.", "Product page states $795 annual fee and employee cards at no additional cost.", "Product page states this is a Pay in Full credit card; pricing terms page states Flex for Business APR of 17.74% to 28.49%.", "Product page states 8x points on Chase Travel including The Edit, 4x flights and hotels booked direct, 3x social media and search engine advertising, and $300 annual travel credit."], "limitations": ["No intro APR was found on public official sources."], "research_pass": {"method": "Official public Chase listing pages, product pages, and pricing-and-terms pages opened in browser; no application, login, or preapproval flow used.", "retrieved": "2026-05-29T23:41:14-06:00"}, "skipped_scope": ["Chase co-brand partner rows were not inserted in this direct-issuer pass because separate target rows already cover or should cover Air Canada Aeroplan, Amazon, DoorDash, IHG One Rewards, Instacart, Marriott Bonvoy, Southwest Rapid Rewards, United MileagePlus, World of Hyatt, and similar partner portfolios.", "No application forms were submitted and no login or preapproval flows were used."], "sources": [{"basis": "Official all-cards listing page", "url": "https://creditcards.chase.com/all-credit-cards"}, {"basis": "Official Chase for Business card listing page", "url": "https://creditcards.chase.com/business-credit-cards/chaseforbusiness"}, {"basis": "Official product page", "url": "https://creditcards.chase.com/business-credit-cards/sapphire/reserve"}, {"basis": "Official pricing and terms page", "url": "https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC63786.html"}], "target": {"alternate_issuer_url": "https://creditcards.chase.com/newest-offers-credit-cards", "id": 1, "institution": "JPMorgan Chase", "institution_type": "Bank/Card Issuer", "known_issuer_partner": "JPMorgan Chase Bank, N.A.", "offer_research_url": "https://creditcards.chase.com/all-credit-cards", "role": "Primary issuer and co-brand issuer"}}


issuer: U.S. Bank National Association
card_offer: U.S. Bank Smartly™ Visa Signature® Card
segment: CONSUMER
category: CASH_BACK
cash_bonus: NA
spend_requirement: NA
spend_timeframe_days_tier_1: NA
spend_requirement_timing: NA
source_url: https://www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html
source_basis: Official product page and terms page
retrieved: 2026-05-29T23:52:36-06:00
created_at: 2026-05-30 05:55:46
updated_at: 2026-05-30 15:47:45
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  0% introductory APR on purchases and balance transfers for the first 12 billing cycles; no separate public cash/points welcome bonus found.

intro_apr:
  0% intro APR on purchases and balance transfers for the first 12 billing cycles; balance transfers must be made within 60 days from account opening per terms.

regular_apr:
  17.74% to 27.99% variable APR after the introductory period, based on creditworthiness and Prime Rate.

rewards_key_perks:
  Unlimited 2% cash back on every purchase when rewards are redeemed into an eligible U.S. Bank deposit account; up to 4% total cash back on the first $10,000 in eligible net purchases each billing cycle with qualifying Smartly balances.

notes:
  Product page described a new offer and Smartly relationship bonuses; terms page reviewed for APR and annual fee.

raw_json:
  {"card": "U.S. Bank Smartly™ Visa Signature® Card", "evidence": ["Product page states unlimited 2% cash back with no caps and up to an additional 2% on the first $10,000 in eligible net purchases each billing cycle with qualifying U.S. Bank Smartly balances.", "Product page and terms state 0% intro APR on purchases and balance transfers for the first 12 billing cycles, then 17.74% to 27.99% variable APR.", "Terms page states annual membership fee is none."], "limitations": ["No separate public spend-based cash or points welcome bonus was found."], "research_pass": {"method": "Official public U.S. Bank consumer/business listing pages, product pages, and public application terms pages; no login, preapproval, application submission, or personalized flow used.", "retrieved": "2026-05-29T23:52:36-06:00"}, "skipped_scope": ["Kroger-family, Harley-Davidson, Korean Air SKYPASS, Amazon Business, and other co-brand/partner cards were not inserted in this direct U.S. Bank issuer pass because they belong to separate partner target rows or require partner-specific pages.", "No application, login, preapproval, or form-submission flow was used; application terms pages were opened only as public terms/enrichment sources."], "sources": [{"basis": "Official issuer listing page", "url": "https://www.usbank.com/credit-cards.html"}, {"basis": "Official product page", "url": "https://www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html"}, {"basis": "Official terms/pricing page", "url": "https://applications.usbank.com/oad/termsSimpleApply.controller?locationCode=8069&offerId=36672BDX52&sourceCode=87869"}], "target": {"alternate_issuer_url": "https://www.usbank.com/credit-cards/co-branded-credit-cards.html", "id": 7, "institution": "U.S. Bank", "institution_type": "Bank/Card Issuer", "known_issuer_partner": "U.S. Bank National Association", "offer_research_url": "https://www.usbank.com/credit-cards.html", "role": "Primary issuer and co-brand issuer"}}


issuer: U.S. Bank National Association
card_offer: U.S. Bank Shield™ Visa® Card
segment: CONSUMER
category: LOW_INTRO_APR
welcome_intro_offer: 0% introductory APR on purchases and balance transfers for 21 billing cycles.
cash_bonus: NA
spend_requirement: NA
spend_timeframe_days_tier_1: NA
spend_requirement_timing: NA
source_url: https://www.usbank.com/credit-cards/shield-visa-credit-card.html
source_basis: Official product page and terms page
retrieved: 2026-05-29T23:52:36-06:00
created_at: 2026-05-30 05:55:46
updated_at: 2026-05-30 15:47:45
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
intro_apr:
  0% intro APR on purchases and balance transfers for 21 billing cycles; balance transfers must be made within 60 days from account opening per terms.

regular_apr:
  16.99% to 27.99% variable APR after the introductory period, based on creditworthiness and Prime Rate.

rewards_key_perks:
  4% cash back on prepaid air, hotel and car reservations booked directly in the Travel Center; $20 annual statement credit after 11 consecutive months of purchases; cell phone protection; flexible redemption.

notes:
  Product is positioned around a low introductory APR rather than a spend-based welcome bonus; terms page reviewed for APR and annual fee.

raw_json:
  {"card": "U.S. Bank Shield™ Visa® Card", "evidence": ["Product page states a low intro APR for 21 billing cycles and 0% intro APR on purchases and balance transfers for 21 billing cycles.", "Terms page states after the intro period the purchase and balance-transfer APR is 16.99% to 27.99%.", "Terms page states annual membership fee is none.", "Product page states 4% cash back on prepaid Travel Center air, hotel, and car reservations and a $20 annual statement credit after 11 consecutive months of purchases."], "limitations": ["No separate spend-based welcome bonus was found on public official sources."], "research_pass": {"method": "Official public U.S. Bank consumer/business listing pages, product pages, and public application terms pages; no login, preapproval, application submission, or personalized flow used.", "retrieved": "2026-05-29T23:52:36-06:00"}, "skipped_scope": ["Kroger-family, Harley-Davidson, Korean Air SKYPASS, Amazon Business, and other co-brand/partner cards were not inserted in this direct U.S. Bank issuer pass because they belong to separate partner target rows or require partner-specific pages.", "No application, login, preapproval, or form-submission flow was used; application terms pages were opened only as public terms/enrichment sources."], "sources": [{"basis": "Official issuer listing page", "url": "https://www.usbank.com/credit-cards.html"}, {"basis": "Official product page", "url": "https://www.usbank.com/credit-cards/shield-visa-credit-card.html"}, {"basis": "Official terms/pricing page", "url": "https://applications.usbank.com/oad/termsSimpleApply.controller?locationCode=8069&offerId=7HDBW6317B&sourceCode=88592"}], "target": {"alternate_issuer_url": "https://www.usbank.com/credit-cards/co-branded-credit-cards.html", "id": 7, "institution": "U.S. Bank", "institution_type": "Bank/Card Issuer", "known_issuer_partner": "U.S. Bank National Association", "offer_research_url": "https://www.usbank.com/credit-cards.html", "role": "Primary issuer and co-brand issuer"}}


issuer: U.S. Bank National Association
card_offer: Split™ World Mastercard®
segment: CONSUMER
category: FLEXIBLE_FINANCING
cash_bonus: NA
spend_requirement: NA
spend_timeframe_days_tier_1: NA
spend_requirement_timing: NA
regular_apr: None for purchases per terms; foreign transaction fee is 3%.
source_url: https://www.usbank.com/credit-cards/split-card-world-mastercard-credit-card.html
source_basis: Official product page and terms page
retrieved: 2026-05-29T23:52:36-06:00
created_at: 2026-05-30 05:55:46
updated_at: 2026-05-30 15:47:45
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  All purchases are automatically divided into a 3-month payment plan with no interest and no plan fee; 6- or 12-month plans are available for a fixed monthly plan fee.

intro_apr:
  No purchase APR; 3-month plans have no plan fee, while 6+ month plans have a monthly fee of 1.5% of the original plan amount.

rewards_key_perks:
  Payment-plan card: every purchase is split into three payments automatically; purchases of $100 or more can be extended to 6 or 12 months for a fixed monthly plan fee.

notes:
  Terms page states APR for purchases is none and annual membership fee is none; this card does not present as a rewards card.

raw_json:
  {"card": "Split™ World Mastercard®", "evidence": ["Product page states all purchases are automatically divided into a 3-month payment plan with no fees and no interest.", "Product page states 6- or 12-month plans are available for a small fixed monthly plan fee.", "Terms page states APR for purchases is none, annual membership fee is none, 3-month plan fee is none, and 6+ month plan fee is 1.5% monthly of the original plan amount."], "limitations": ["No rewards structure or cash/points welcome bonus was found on public official sources."], "research_pass": {"method": "Official public U.S. Bank consumer/business listing pages, product pages, and public application terms pages; no login, preapproval, application submission, or personalized flow used.", "retrieved": "2026-05-29T23:52:36-06:00"}, "skipped_scope": ["Kroger-family, Harley-Davidson, Korean Air SKYPASS, Amazon Business, and other co-brand/partner cards were not inserted in this direct U.S. Bank issuer pass because they belong to separate partner target rows or require partner-specific pages.", "No application, login, preapproval, or form-submission flow was used; application terms pages were opened only as public terms/enrichment sources."], "sources": [{"basis": "Official issuer listing page", "url": "https://www.usbank.com/credit-cards.html"}, {"basis": "Official product page", "url": "https://www.usbank.com/credit-cards/split-card-world-mastercard-credit-card.html"}, {"basis": "Official terms/pricing page", "url": "https://applications.usbank.com/pdap/terms?locationCode=8069&offerId=8PPR2PP3Q5&sourceCode=87891"}], "target": {"alternate_issuer_url": "https://www.usbank.com/credit-cards/co-branded-credit-cards.html", "id": 7, "institution": "U.S. Bank", "institution_type": "Bank/Card Issuer", "known_issuer_partner": "U.S. Bank National Association", "offer_research_url": "https://www.usbank.com/credit-cards.html", "role": "Primary issuer and co-brand issuer"}}


issuer: U.S. Bank National Association
card_offer: U.S. Bank Cash+® Visa Signature® Card
segment: CONSUMER
category: CASH_BACK
cash_bonus: 250
spend_requirement: 1000
spend_timeframe_days_tier_1: 90
spend_requirement_timing: Spend $1,000 in eligible purchases within the first 90 days of account opening.
intro_apr: 0% intro APR on purchases and balance transfers for the first 15 billing cycles.
regular_apr: 17.74% to 27.99% variable APR after the introductory period.
source_url: https://www.usbank.com/credit-cards/cash-plus-visa-signature-credit-card.html
source_basis: Official product page and terms page
retrieved: 2026-05-29T23:52:36-06:00
notes: Terms page reviewed for annual fee and APR; product page provided bonus and rewards detail.
created_at: 2026-05-30 05:55:46
updated_at: 2026-05-30 15:47:45
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  Limited-time $250 rewards bonus after spending $1,000 in eligible purchases within the first 90 days of account opening; 0% intro APR for 15 billing cycles on purchases and balance transfers.

rewards_key_perks:
  5% cash back on the first $2,000 in combined eligible purchases each quarter in two chosen categories; 2% on one chosen everyday category; 1% on other eligible purchases; 5% on prepaid travel booked in the Travel Center.

raw_json:
  {"card": "U.S. Bank Cash+® Visa Signature® Card", "evidence": ["Product page states a $250 rewards bonus after $1,000 in eligible purchases within the first 90 days of account opening.", "Product page states 5% cash back on first $2,000 in combined quarterly purchases in two chosen categories, 2% in one everyday category, and 1% other eligible purchases.", "Product page states $0 annual fee and 0% intro APR for 15 billing cycles on purchases and balance transfers; terms link states 17.74% to 27.99% variable APR after intro."], "limitations": [], "research_pass": {"method": "Official public U.S. Bank consumer/business listing pages, product pages, and public application terms pages; no login, preapproval, application submission, or personalized flow used.", "retrieved": "2026-05-29T23:52:36-06:00"}, "skipped_scope": ["Kroger-family, Harley-Davidson, Korean Air SKYPASS, Amazon Business, and other co-brand/partner cards were not inserted in this direct U.S. Bank issuer pass because they belong to separate partner target rows or require partner-specific pages.", "No application, login, preapproval, or form-submission flow was used; application terms pages were opened only as public terms/enrichment sources."], "sources": [{"basis": "Official issuer listing page", "url": "https://www.usbank.com/credit-cards.html"}, {"basis": "Official product page", "url": "https://www.usbank.com/credit-cards/cash-plus-visa-signature-credit-card.html"}, {"basis": "Official terms/pricing page", "url": "https://applications.usbank.com/oad/termsSimpleApply.controller?locationCode=8069&offerId=WRH8D23H2R&sourceCode=88750"}], "target": {"alternate_issuer_url": "https://www.usbank.com/credit-cards/co-branded-credit-cards.html", "id": 7, "institution": "U.S. Bank", "institution_type": "Bank/Card Issuer", "known_issuer_partner": "U.S. Bank National Association", "offer_research_url": "https://www.usbank.com/credit-cards.html", "role": "Primary issuer and co-brand issuer"}}


issuer: U.S. Bank National Association
card_offer: U.S. Bank Altitude® Go Visa Signature® Card
segment: CONSUMER
category: DINING_REWARDS
bonus_miles: 20000
cash_bonus: NA
spend_requirement: 1000
spend_timeframe_days_tier_1: 90
spend_requirement_timing: Spend $1,000 in net purchases in the first 90 days.
intro_apr: 0% intro APR on purchases and balance transfers for the first 15 billing cycles.
regular_apr: 17.49% to 27.49% variable APR after the introductory period.
source_url: https://www.usbank.com/credit-cards/altitude-go-visa-signature-credit-card.html
source_basis: Official product page and terms page
retrieved: 2026-05-29T23:52:36-06:00
notes: Terms page reviewed for APR and annual fee; product page provided bonus and rewards structure.
created_at: 2026-05-30 05:55:46
updated_at: 2026-05-30 15:47:45
bonus_miles_type: points
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  Earn 20,000 bonus points after spending $1,000 in net purchases in the first 90 days; 0% intro APR for 15 billing cycles on purchases and balance transfers.

rewards_key_perks:
  4x points on dining, takeout and restaurant delivery on the first $2,000 each quarter; 2x at grocery stores and gas/EV charging stations; 2x streaming; 1x other eligible purchases; $15 annual streaming credit after 11 consecutive months of streaming purchases.

raw_json:
  {"card": "U.S. Bank Altitude® Go Visa Signature® Card", "evidence": ["Product page states 20,000 bonus points after $1,000 in net purchases in the first 90 days.", "Product page states 4x points on dining, takeout and restaurant delivery on first $2,000 each quarter; 2x grocery stores, gas/EV charging, and streaming; 1x other purchases.", "Product page states no annual fee and 0% intro APR on purchases and balance transfers for 15 billing cycles, then 17.49% to 27.49% variable APR."], "limitations": [], "research_pass": {"method": "Official public U.S. Bank consumer/business listing pages, product pages, and public application terms pages; no login, preapproval, application submission, or personalized flow used.", "retrieved": "2026-05-29T23:52:36-06:00"}, "skipped_scope": ["Kroger-family, Harley-Davidson, Korean Air SKYPASS, Amazon Business, and other co-brand/partner cards were not inserted in this direct U.S. Bank issuer pass because they belong to separate partner target rows or require partner-specific pages.", "No application, login, preapproval, or form-submission flow was used; application terms pages were opened only as public terms/enrichment sources."], "sources": [{"basis": "Official issuer listing page", "url": "https://www.usbank.com/credit-cards.html"}, {"basis": "Official product page", "url": "https://www.usbank.com/credit-cards/altitude-go-visa-signature-credit-card.html"}, {"basis": "Official terms/pricing page", "url": "https://applications.usbank.com/oad/termsSimpleApply.controller?locationCode=18569&offerId=HQWRM3D57Q&sourceCode=88268"}], "target": {"alternate_issuer_url": "https://www.usbank.com/credit-cards/co-branded-credit-cards.html", "id": 7, "institution": "U.S. Bank", "institution_type": "Bank/Card Issuer", "known_issuer_partner": "U.S. Bank National Association", "offer_research_url": "https://www.usbank.com/credit-cards.html", "role": "Primary issuer and co-brand issuer"}}


issuer: U.S. Bank National Association
card_offer: U.S. Bank Altitude® Connect Visa Signature® Card
segment: CONSUMER
category: TRAVEL_REWARDS
bonus_miles: 20000
cash_bonus: NA
spend_requirement: 1000
spend_timeframe_days_tier_1: 90
spend_requirement_timing: Spend $1,000 in net purchases in the first 90 days.
intro_apr: 0% intro APR on purchases and balance transfers for the first 15 billing cycles.
regular_apr: 17.49% to 27.49% variable APR after the introductory period.
source_url: https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html
source_basis: Official product page and terms page
retrieved: 2026-05-29T23:52:36-06:00
created_at: 2026-05-30 05:55:46
updated_at: 2026-05-30 15:47:45
bonus_miles_type: points
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  Earn 20,000 bonus points after spending $1,000 in net purchases in the first 90 days; 0% intro APR for 15 billing cycles on purchases and balance transfers.

rewards_key_perks:
  5x points on prepaid hotels and car rentals booked in the Travel Center; 4x on travel and gas/EV charging stations on the first $1,000 each quarter; 2x dining, streaming and grocery stores; 1x other purchases; airport lounge access, TSA PreCheck credit, no foreign transaction fees, and GigSky global mobile data plans.

notes:
  Terms page reviewed for APR, annual fee, and no foreign transaction fee; product page provided bonus and rewards structure.

raw_json:
  {"card": "U.S. Bank Altitude® Connect Visa Signature® Card", "evidence": ["Product page states 20,000 bonus points after $1,000 in net purchases in the first 90 days.", "Product page states 5x prepaid hotel/car rentals through Travel Center, 4x travel and gas/EV charging stations on first $1,000 each quarter, 2x dining/streaming/grocery stores, and 1x other purchases.", "Product page states no annual fee, 0% intro APR on purchases and balance transfers for 15 billing cycles, then 17.49% to 27.49% variable APR, and no foreign transaction fees."], "limitations": [], "research_pass": {"method": "Official public U.S. Bank consumer/business listing pages, product pages, and public application terms pages; no login, preapproval, application submission, or personalized flow used.", "retrieved": "2026-05-29T23:52:36-06:00"}, "skipped_scope": ["Kroger-family, Harley-Davidson, Korean Air SKYPASS, Amazon Business, and other co-brand/partner cards were not inserted in this direct U.S. Bank issuer pass because they belong to separate partner target rows or require partner-specific pages.", "No application, login, preapproval, or form-submission flow was used; application terms pages were opened only as public terms/enrichment sources."], "sources": [{"basis": "Official issuer listing page", "url": "https://www.usbank.com/credit-cards.html"}, {"basis": "Official product page", "url": "https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html"}, {"basis": "Official terms/pricing page", "url": "https://applications.usbank.com/oad/termsSimpleApply.controller?locationCode=18569&offerId=8BB5BD89H1&sourceCode=88416"}], "target": {"alternate_issuer_url": "https://www.usbank.com/credit-cards/co-branded-credit-cards.html", "id": 7, "institution": "U.S. Bank", "institution_type": "Bank/Card Issuer", "known_issuer_partner": "U.S. Bank National Association", "offer_research_url": "https://www.usbank.com/credit-cards.html", "role": "Primary issuer and co-brand issuer"}}


issuer: U.S. Bank National Association
card_offer: U.S. Bank Shopper Cash Rewards® Visa Signature® Card
segment: CONSUMER
category: CASH_BACK
cash_bonus: 250
spend_requirement: 2000
spend_timeframe_days_tier_1: 120
spend_requirement_timing: Spend $2,000 in eligible purchases within the first 120 days of account opening.
additional_requirements_annual_fee: $0 introductory annual fee for the first 12 months
intro_apr: Not found on public source
regular_apr: 17.99% to 27.99% variable APR.
source_url: https://www.usbank.com/credit-cards/shopper-cash-rewards-visa-signature-credit-card.html
source_basis: Official product page and terms page
retrieved: 2026-05-29T23:52:36-06:00
created_at: 2026-05-30 05:55:46
updated_at: 2026-05-30 15:47:45
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  Earn a $250 bonus after spending $2,000 in eligible purchases within the first 120 days of account opening.

rewards_key_perks:
  6% cash back on first $1,500 in combined eligible purchases each quarter with two chosen retailers; 3% cash back on first $1,500 in one chosen everyday category each quarter; 1.5% on other eligible purchases; 5.5% on prepaid hotel and car reservations booked directly in the Travel Center.

notes:
  Terms page reviewed for annual fee and APR. No introductory APR was found on the public product or terms pages.

raw_json:
  {"card": "U.S. Bank Shopper Cash Rewards® Visa Signature® Card", "evidence": ["Product page states a $250 bonus after $2,000 in eligible purchases within the first 120 days of account opening.", "Product page states 6% cash back on first $1,500 in combined quarterly purchases with two chosen retailers, 3% on first $1,500 in one chosen everyday category, and 1.5% on other purchases.", "Terms page states $0 introductory annual fee for first 12 months then $95, and 17.99% to 27.99% purchase APR."], "limitations": ["No introductory APR was found on public official sources."], "research_pass": {"method": "Official public U.S. Bank consumer/business listing pages, product pages, and public application terms pages; no login, preapproval, application submission, or personalized flow used.", "retrieved": "2026-05-29T23:52:36-06:00"}, "skipped_scope": ["Kroger-family, Harley-Davidson, Korean Air SKYPASS, Amazon Business, and other co-brand/partner cards were not inserted in this direct U.S. Bank issuer pass because they belong to separate partner target rows or require partner-specific pages.", "No application, login, preapproval, or form-submission flow was used; application terms pages were opened only as public terms/enrichment sources."], "sources": [{"basis": "Official issuer listing page", "url": "https://www.usbank.com/credit-cards.html"}, {"basis": "Official product page", "url": "https://www.usbank.com/credit-cards/shopper-cash-rewards-visa-signature-credit-card.html"}, {"basis": "Official terms/pricing page", "url": "https://applications.usbank.com/oad/termsSimpleApply.controller?locationCode=8069&offerId=32VH7G6DBG&sourceCode=88249"}], "target": {"alternate_issuer_url": "https://www.usbank.com/credit-cards/co-branded-credit-cards.html", "id": 7, "institution": "U.S. Bank", "institution_type": "Bank/Card Issuer", "known_issuer_partner": "U.S. Bank National Association", "offer_research_url": "https://www.usbank.com/credit-cards.html", "role": "Primary issuer and co-brand issuer"}}


issuer: U.S. Bank National Association
card_offer: U.S. Bank Altitude® Go Secured Visa® Card
segment: SECURED_CONSUMER
category: REWARDS
welcome_intro_offer: Secured card with $300 to $5,000 refundable security deposit; no public welcome bonus found.
cash_bonus: NA
spend_requirement: NA
spend_timeframe_days_tier_1: NA
spend_requirement_timing: NA
intro_apr: Not found on public source
regular_apr: 28.49% variable APR.
source_url: https://www.usbank.com/credit-cards/altitude-go-secured-visa-credit-card.html
source_basis: Official product page and terms page
retrieved: 2026-05-29T23:52:36-06:00
notes: Terms page reviewed for APR and annual fee. No welcome bonus or intro APR found.
created_at: 2026-05-30 05:55:46
updated_at: 2026-05-30 15:47:45
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
rewards_key_perks:
  4x points on dining, takeout and restaurant delivery on first $2,000 each quarter; 2x grocery stores, gas/EV charging stations, and streaming services; 1x other purchases; $15 streaming credit after 11 months of streaming purchases; may graduate to the unsecured Altitude Go card.

raw_json:
  {"card": "U.S. Bank Altitude® Go Secured Visa® Card", "evidence": ["Product page states security deposit of $300 to $5,000, $0 annual fee, and up to 4x points while building credit.", "Product page states 4x dining/takeout/restaurant delivery on first $2,000 each quarter; 2x grocery, gas/EV charging, and streaming; 1x other purchases.", "Terms page states purchase and balance transfer APR of 28.49% and annual membership fee none."], "limitations": ["No welcome bonus or intro APR was found on public official sources."], "research_pass": {"method": "Official public U.S. Bank consumer/business listing pages, product pages, and public application terms pages; no login, preapproval, application submission, or personalized flow used.", "retrieved": "2026-05-29T23:52:36-06:00"}, "skipped_scope": ["Kroger-family, Harley-Davidson, Korean Air SKYPASS, Amazon Business, and other co-brand/partner cards were not inserted in this direct U.S. Bank issuer pass because they belong to separate partner target rows or require partner-specific pages.", "No application, login, preapproval, or form-submission flow was used; application terms pages were opened only as public terms/enrichment sources."], "sources": [{"basis": "Official issuer listing page", "url": "https://www.usbank.com/credit-cards.html"}, {"basis": "Official product page", "url": "https://www.usbank.com/credit-cards/altitude-go-secured-visa-credit-card.html"}, {"basis": "Official terms/pricing page", "url": "https://applications.usbank.com/pdap/terms?locationCode=18569&offerId=B2MPW77HH7&sourceCode=88242"}], "target": {"alternate_issuer_url": "https://www.usbank.com/credit-cards/co-branded-credit-cards.html", "id": 7, "institution": "U.S. Bank", "institution_type": "Bank/Card Issuer", "known_issuer_partner": "U.S. Bank National Association", "offer_research_url": "https://www.usbank.com/credit-cards.html", "role": "Primary issuer and co-brand issuer"}}


issuer: U.S. Bank National Association
card_offer: U.S. Bank Cash+® Secured Visa® Card
segment: SECURED_CONSUMER
category: CASH_BACK
welcome_intro_offer: Secured card with $300 to $5,000 refundable security deposit; no public welcome bonus found.
cash_bonus: NA
spend_requirement: NA
spend_timeframe_days_tier_1: NA
spend_requirement_timing: NA
intro_apr: Not found on public source
regular_apr: 28.49% variable APR.
source_url: https://www.usbank.com/credit-cards/cash-plus-secured-visa-credit-card.html
source_basis: Official product page and terms page
retrieved: 2026-05-29T23:52:36-06:00
notes: Terms page reviewed for APR and annual fee. No welcome bonus or intro APR found.
created_at: 2026-05-30 05:55:46
updated_at: 2026-05-30 15:47:45
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
rewards_key_perks:
  Up to 5% cash back on two chosen categories each quarter; 2% on one everyday category; 1% on other eligible purchases; may graduate to the unsecured Cash+ card.

raw_json:
  {"card": "U.S. Bank Cash+® Secured Visa® Card", "evidence": ["Product page states a $300 to $5,000 security deposit, $0 annual fee, and cash back while building credit.", "Product page states up to 5% cash back on two chosen categories, 2% on one everyday category, and 1% on other eligible purchases.", "Terms page states purchase and balance transfer APR of 28.49% and annual membership fee none."], "limitations": ["No welcome bonus or intro APR was found on public official sources."], "research_pass": {"method": "Official public U.S. Bank consumer/business listing pages, product pages, and public application terms pages; no login, preapproval, application submission, or personalized flow used.", "retrieved": "2026-05-29T23:52:36-06:00"}, "skipped_scope": ["Kroger-family, Harley-Davidson, Korean Air SKYPASS, Amazon Business, and other co-brand/partner cards were not inserted in this direct U.S. Bank issuer pass because they belong to separate partner target rows or require partner-specific pages.", "No application, login, preapproval, or form-submission flow was used; application terms pages were opened only as public terms/enrichment sources."], "sources": [{"basis": "Official issuer listing page", "url": "https://www.usbank.com/credit-cards.html"}, {"basis": "Official product page", "url": "https://www.usbank.com/credit-cards/cash-plus-secured-visa-credit-card.html"}, {"basis": "Official terms/pricing page", "url": "https://applications.usbank.com/pdap/terms?locationCode=8069&offerId=27PPH4GHG8&sourceCode=88239"}], "target": {"alternate_issuer_url": "https://www.usbank.com/credit-cards/co-branded-credit-cards.html", "id": 7, "institution": "U.S. Bank", "institution_type": "Bank/Card Issuer", "known_issuer_partner": "U.S. Bank National Association", "offer_research_url": "https://www.usbank.com/credit-cards.html", "role": "Primary issuer and co-brand issuer"}}


issuer: U.S. Bank National Association
card_offer: U.S. Bank Secured Visa® Card
segment: SECURED_CONSUMER
category: CREDIT_BUILDING
cash_bonus: NA
spend_requirement: NA
spend_timeframe_days_tier_1: NA
spend_requirement_timing: NA
intro_apr: Not found on public source
regular_apr: 27.49% variable APR.
source_url: https://www.usbank.com/credit-cards/secured-visa-credit-card.html
source_basis: Official product page and terms page
retrieved: 2026-05-29T23:52:36-06:00
notes: Terms page reviewed for APR and annual fee. No rewards, welcome bonus, or intro APR found.
created_at: 2026-05-30 05:55:46
updated_at: 2026-05-30 15:47:45
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  Secured card with $300 to $5,000 refundable security deposit and credit-building benefits; no public welcome bonus found.

rewards_key_perks:
  Credit-building secured card with $300 to $5,000 refundable security deposit, credit score access, chosen payment due date, zero fraud liability, and reporting to major credit bureaus; no rewards program found.

raw_json:
  {"card": "U.S. Bank Secured Visa® Card", "evidence": ["Product page states no annual fee, $300 to $5,000 security deposit, credit score access, chosen due date, and zero fraud liability.", "Terms page states purchase and balance transfer APR of 27.49% and annual membership fee none."], "limitations": ["No rewards program, welcome bonus, or intro APR was found on public official sources."], "research_pass": {"method": "Official public U.S. Bank consumer/business listing pages, product pages, and public application terms pages; no login, preapproval, application submission, or personalized flow used.", "retrieved": "2026-05-29T23:52:36-06:00"}, "skipped_scope": ["Kroger-family, Harley-Davidson, Korean Air SKYPASS, Amazon Business, and other co-brand/partner cards were not inserted in this direct U.S. Bank issuer pass because they belong to separate partner target rows or require partner-specific pages.", "No application, login, preapproval, or form-submission flow was used; application terms pages were opened only as public terms/enrichment sources."], "sources": [{"basis": "Official issuer listing page", "url": "https://www.usbank.com/credit-cards.html"}, {"basis": "Official product page", "url": "https://www.usbank.com/credit-cards/secured-visa-credit-card.html"}, {"basis": "Official terms/pricing page", "url": "https://applications.usbank.com/pdap/terms?locationCode=8069&offerId=MD5RPQV6DH&sourceCode=88237"}], "target": {"alternate_issuer_url": "https://www.usbank.com/credit-cards/co-branded-credit-cards.html", "id": 7, "institution": "U.S. Bank", "institution_type": "Bank/Card Issuer", "known_issuer_partner": "U.S. Bank National Association", "offer_research_url": "https://www.usbank.com/credit-cards.html", "role": "Primary issuer and co-brand issuer"}}


issuer: U.S. Bank National Association
card_offer: U.S. Bank Triple Cash Rewards Visa® Business Card
segment: BUSINESS
category: CASH_BACK
cash_bonus: 750
spend_requirement: 6000
spend_timeframe_days_tier_1: 180
regular_apr: 17.24% to 26.24% variable APR after the introductory period.
source_basis: Official product page and terms page
retrieved: 2026-05-29T23:52:36-06:00
notes: Terms page reviewed for APR and annual fee; product disclosure provided 180-day bonus timing.
created_at: 2026-05-30 05:55:46
updated_at: 2026-05-30 15:47:45
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  Earn $750 cash back after making $6,000 or more in eligible net purchases on the Account Owner card within 180 days from account opening; 0% intro APR for 12 billing cycles on purchases and balance transfers.

spend_requirement_timing:
  Make $6,000 or more in eligible net purchases on the Account Owner card within 180 days from account opening.

intro_apr:
  0% intro APR for 12 billing cycles on purchases and balance transfers; balance transfers must be made within 30 days from account opening per terms.

rewards_key_perks:
  3% cash back at eligible gas and EV charging stations on transactions of $200 or less, office supply stores, cell phone service providers, and restaurants; 1% on other eligible purchases; $100 recurring software subscription credit.

source_url:
  https://www.usbank.com/business-banking/business-credit-cards/business-triple-cash-back-credit-card.html

raw_json:
  {"card": "U.S. Bank Triple Cash Rewards Visa® Business Card", "evidence": ["Product page states $750 cash back and 3% cash back in listed business categories plus 1% on other eligible purchases and a $100 recurring software subscription credit.", "Product disclosure states the $750 bonus is awarded after $6,000 or more in eligible net purchases on the Account Owner card within 180 days from account opening.", "Terms page states 0% introductory APR for first 12 billing cycles on purchases and qualifying balance transfers, then 17.24% to 26.24% variable APR; annual membership fee none."], "limitations": [], "research_pass": {"method": "Official public U.S. Bank consumer/business listing pages, product pages, and public application terms pages; no login, preapproval, application submission, or personalized flow used.", "retrieved": "2026-05-29T23:52:36-06:00"}, "skipped_scope": ["Kroger-family, Harley-Davidson, Korean Air SKYPASS, Amazon Business, and other co-brand/partner cards were not inserted in this direct U.S. Bank issuer pass because they belong to separate partner target rows or require partner-specific pages.", "No application, login, preapproval, or form-submission flow was used; application terms pages were opened only as public terms/enrichment sources."], "sources": [{"basis": "Official issuer listing page", "url": "https://www.usbank.com/business-banking/business-credit-cards.html"}, {"basis": "Official product page", "url": "https://www.usbank.com/business-banking/business-credit-cards/business-triple-cash-back-credit-card.html"}, {"basis": "Official terms/pricing page", "url": "https://applications.usbank.com/pdap/terms?locationCode=8069&offerId=3P4D3XWG77&sourceCode=88401"}], "target": {"alternate_issuer_url": "https://www.usbank.com/credit-cards/co-branded-credit-cards.html", "id": 7, "institution": "U.S. Bank", "institution_type": "Bank/Card Issuer", "known_issuer_partner": "U.S. Bank National Association", "offer_research_url": "https://www.usbank.com/credit-cards.html", "role": "Primary issuer and co-brand issuer"}}


issuer: U.S. Bank National Association
card_offer: U.S. Bank Business Shield™ Visa® Card
segment: BUSINESS
category: LOW_INTRO_APR
welcome_intro_offer: 0% introductory APR on purchases and balance transfers for 12 billing cycles.
cash_bonus: NA
spend_requirement: NA
spend_timeframe_days_tier_1: NA
spend_requirement_timing: NA
regular_apr: 16.24% to 25.24% variable APR after the introductory period.
source_url: https://www.usbank.com/business-banking/business-credit-cards/business-shield-credit-card.html
source_basis: Official product page and terms page
retrieved: 2026-05-29T23:52:36-06:00
created_at: 2026-05-30 05:55:46
updated_at: 2026-05-30 15:47:45
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
intro_apr:
  0% intro APR on purchases and balance transfers for 12 billing cycles; balance transfers must be made within 30 days from account opening per terms.

rewards_key_perks:
  5% cash back on prepaid air, hotel and car rentals booked directly in the Travel Center; $50 annual statement credit after $5,000 in Travel Center purchases; U.S. Bank Spend Management, purchase security, zero fraud liability, and no annual fee employee cards.

notes:
  Product is positioned around a business intro APR offer; no separate spend-based welcome bonus found. Terms page reviewed for APR and annual fee.

raw_json:
  {"card": "U.S. Bank Business Shield™ Visa® Card", "evidence": ["Product page states 0% intro APR on purchases and balance transfers for 12 billing cycles, then 16.24% to 25.24% variable APR.", "Terms page states annual membership fee none.", "Product page states 5% cash back on prepaid Travel Center air/hotel/car rentals and a $50 annual statement credit after $5,000 in purchases made through the Travel Center."], "limitations": ["No separate spend-based welcome bonus was found on public official sources."], "research_pass": {"method": "Official public U.S. Bank consumer/business listing pages, product pages, and public application terms pages; no login, preapproval, application submission, or personalized flow used.", "retrieved": "2026-05-29T23:52:36-06:00"}, "skipped_scope": ["Kroger-family, Harley-Davidson, Korean Air SKYPASS, Amazon Business, and other co-brand/partner cards were not inserted in this direct U.S. Bank issuer pass because they belong to separate partner target rows or require partner-specific pages.", "No application, login, preapproval, or form-submission flow was used; application terms pages were opened only as public terms/enrichment sources."], "sources": [{"basis": "Official issuer listing page", "url": "https://www.usbank.com/business-banking/business-credit-cards.html"}, {"basis": "Official product page", "url": "https://www.usbank.com/business-banking/business-credit-cards/business-shield-credit-card.html"}, {"basis": "Official terms/pricing page", "url": "https://applications.usbank.com/pdap/terms?locationCode=8069&offerId=6DHH15B9R6&sourceCode=87986"}], "target": {"alternate_issuer_url": "https://www.usbank.com/credit-cards/co-branded-credit-cards.html", "id": 7, "institution": "U.S. Bank", "institution_type": "Bank/Card Issuer", "known_issuer_partner": "U.S. Bank National Association", "offer_research_url": "https://www.usbank.com/credit-cards.html", "role": "Primary issuer and co-brand issuer"}}


issuer: U.S. Bank National Association
card_offer: U.S. Bank Business Altitude® Power Visa Signature® Card
segment: BUSINESS
category: TRAVEL_REWARDS
bonus_miles: 75000
cash_bonus: NA
spend_requirement: 10000
spend_timeframe_days_tier_1: 120
spend_requirement_timing: Spend $10,000 on the Account Owner card in the first 120 days of opening the account.
intro_apr: Not found on public source
regular_apr: 18.24% to 25.24% variable APR.
source_basis: Official product page and terms page
retrieved: 2026-05-29T23:52:36-06:00
created_at: 2026-05-30 05:55:46
updated_at: 2026-05-30 15:47:45
bonus_miles_type: points
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  Earn 75,000 bonus points, up to a $750 value, after spending $10,000 on the Account Owner card in the first 120 days of opening the account.

rewards_key_perks:
  2x points on all purchases with no caps; 2.5x on up to $5,000 in combined mobile-wallet and virtual-card purchases each quarter; 6x on prepaid hotel and car rentals booked directly in the Travel Center; Priority Pass digital annual membership; no foreign transaction fees; points transfer between business and personal Altitude cards.

source_url:
  https://www.usbank.com/business-banking/business-credit-cards/business-altitude-power-credit-card.html

notes:
  Terms page reviewed for APR, annual fee, and foreign transaction fee. No intro APR was found on public official sources.

raw_json:
  {"card": "U.S. Bank Business Altitude® Power Visa Signature® Card", "evidence": ["Product page states 75,000 bonus points, up to a $750 value, after spending $10,000 on the Account Owner card in the first 120 days of opening the account.", "Product page states 2x points on all purchases, 2.5x on up to $5,000 in mobile-wallet and virtual-card purchases each quarter, and 6x on prepaid hotel/car rentals through the Travel Center.", "Terms page states purchase APR of 18.24% to 25.24%, annual membership fee of $195 for Account Owners and $0 for Authorized Employees, and no foreign transaction fee."], "limitations": ["No intro APR was found on public official sources."], "research_pass": {"method": "Official public U.S. Bank consumer/business listing pages, product pages, and public application terms pages; no login, preapproval, application submission, or personalized flow used.", "retrieved": "2026-05-29T23:52:36-06:00"}, "skipped_scope": ["Kroger-family, Harley-Davidson, Korean Air SKYPASS, Amazon Business, and other co-brand/partner cards were not inserted in this direct U.S. Bank issuer pass because they belong to separate partner target rows or require partner-specific pages.", "No application, login, preapproval, or form-submission flow was used; application terms pages were opened only as public terms/enrichment sources."], "sources": [{"basis": "Official issuer listing page", "url": "https://www.usbank.com/business-banking/business-credit-cards.html"}, {"basis": "Official product page", "url": "https://www.usbank.com/business-banking/business-credit-cards/business-altitude-power-credit-card.html"}, {"basis": "Official terms/pricing page", "url": "https://applications.usbank.com/pdap/terms?locationCode=18569&offerId=DD112D7HWQ&sourceCode=88292"}], "target": {"alternate_issuer_url": "https://www.usbank.com/credit-cards/co-branded-credit-cards.html", "id": 7, "institution": "U.S. Bank", "institution_type": "Bank/Card Issuer", "known_issuer_partner": "U.S. Bank National Association", "offer_research_url": "https://www.usbank.com/credit-cards.html", "role": "Primary issuer and co-brand issuer"}}


issuer: U.S. Bank National Association
card_offer: U.S. Bank Business Altitude® Connect Visa Signature® Card
segment: BUSINESS
category: TRAVEL_REWARDS
bonus_miles: 75000
cash_bonus: NA
spend_requirement: 6000
spend_timeframe_days_tier_1: 180
additional_requirements_annual_fee: $0 introductory annual fee for the first 12 months
intro_apr: Not found on public source
regular_apr: 18.24% to 25.24% variable APR.
source_basis: Official product page and terms page
retrieved: 2026-05-29T23:52:36-06:00
created_at: 2026-05-30 05:55:46
updated_at: 2026-05-30 15:47:45
bonus_miles_type: points
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  Earn 75,000 bonus points after making $6,000 or more in eligible net purchases on the Account Owner card within 180 days from account opening.

spend_requirement_timing:
  Make $6,000 or more in eligible net purchases on the Account Owner card within 180 days from account opening.

rewards_key_perks:
  5x points on hotels and car rentals booked in the Travel Center; 4x on travel including airfare, hotels, gas and EV charging stations on first $150,000 in combined annual spend; 2x dining, takeout, restaurant delivery and cell phone services; 1x other purchases; $25 statement credit after three consecutive monthly taxi/rideshare transactions; no foreign transaction fees.

source_url:
  https://www.usbank.com/business-banking/business-credit-cards/business-altitude-connect-credit-card.html

notes:
  Terms page reviewed for APR, annual fee, and foreign transaction fee. No intro APR was found on public official sources.

raw_json:
  {"card": "U.S. Bank Business Altitude® Connect Visa Signature® Card", "evidence": ["Product page states a 75,000 bonus-point offer and travel/dining/cell-phone points structure.", "Product disclosure states the one-time 75,000 bonus points are awarded after $6,000 or more in eligible net purchases on the Account Owner card within 180 days from account opening.", "Terms page states purchase APR of 18.24% to 25.24%, $0 introductory annual fee for first 12 months then $95 for Account Owners and $0 for Authorized Employees, and no foreign transaction fee."], "limitations": ["No intro APR was found on public official sources."], "research_pass": {"method": "Official public U.S. Bank consumer/business listing pages, product pages, and public application terms pages; no login, preapproval, application submission, or personalized flow used.", "retrieved": "2026-05-29T23:52:36-06:00"}, "skipped_scope": ["Kroger-family, Harley-Davidson, Korean Air SKYPASS, Amazon Business, and other co-brand/partner cards were not inserted in this direct U.S. Bank issuer pass because they belong to separate partner target rows or require partner-specific pages.", "No application, login, preapproval, or form-submission flow was used; application terms pages were opened only as public terms/enrichment sources."], "sources": [{"basis": "Official issuer listing page", "url": "https://www.usbank.com/business-banking/business-credit-cards.html"}, {"basis": "Official product page", "url": "https://www.usbank.com/business-banking/business-credit-cards/business-altitude-connect-credit-card.html"}, {"basis": "Official terms/pricing page", "url": "https://applications.usbank.com/pdap/terms?locationCode=18569&offerId=BM78PXGQMD&sourceCode=88649"}], "target": {"alternate_issuer_url": "https://www.usbank.com/credit-cards/co-branded-credit-cards.html", "id": 7, "institution": "U.S. Bank", "institution_type": "Bank/Card Issuer", "known_issuer_partner": "U.S. Bank National Association", "offer_research_url": "https://www.usbank.com/credit-cards.html", "role": "Primary issuer and co-brand issuer"}}


issuer: U.S. Bank National Association
card_offer: U.S. Bank Business Leverage® Visa Signature® Card
segment: BUSINESS
category: REWARDS
bonus_miles: 60000
cash_bonus: 600
spend_requirement: 6000
spend_timeframe_days_tier_1: 120
additional_requirements_annual_fee: $0 introductory annual fee for the first 12 months
intro_apr: Not found on public source
regular_apr: 18.24% to 25.24% variable APR.
source_basis: Official product page and terms page
retrieved: 2026-05-29T23:52:36-06:00
created_at: 2026-05-30 05:55:46
updated_at: 2026-05-30 15:47:45
bonus_miles_type: points equivalent
spend_timeframe_days_tier_2: NA
cash_bonus_type: Rewards Value
welcome_intro_offer:
  Earn up to $600 in rewards after spending $6,000 in eligible purchases on the Account Owner card within the first 120 days of opening the account.

spend_requirement_timing:
  Spend $6,000 in eligible purchases on the Account Owner card within the first 120 days of opening the account.

rewards_key_perks:
  2x points in the top two categories where the business spends most each month automatically; 5x on prepaid hotels and car rentals booked directly in the Travel Center; 1x on other eligible purchases; no foreign transaction fees and free employee cards.

source_url:
  https://www.usbank.com/business-banking/business-credit-cards/business-leverage-rewards-credit-card.html

notes:
  Terms page reviewed for APR, annual fee, and foreign transaction fee. Product page frames the bonus as up to $600 in rewards; no intro APR was found.

raw_json:
  {"card": "U.S. Bank Business Leverage® Visa Signature® Card", "evidence": ["Product page states 2x points in the top two monthly spend categories, 5x on prepaid hotels/car rentals through Travel Center, and 1x on other eligible purchases.", "Product page states up to $600 in rewards after $6,000 in eligible purchases on the Account Owner card within the first 120 days of opening the account.", "Terms page states purchase APR of 18.24% to 25.24%, $0 introductory annual fee for first 12 months then $95 for Account Owners and $0 for Authorized Employees, and no foreign transaction fee."], "limitations": ["No intro APR was found on public official sources."], "research_pass": {"method": "Official public U.S. Bank consumer/business listing pages, product pages, and public application terms pages; no login, preapproval, application submission, or personalized flow used.", "retrieved": "2026-05-29T23:52:36-06:00"}, "skipped_scope": ["Kroger-family, Harley-Davidson, Korean Air SKYPASS, Amazon Business, and other co-brand/partner cards were not inserted in this direct U.S. Bank issuer pass because they belong to separate partner target rows or require partner-specific pages.", "No application, login, preapproval, or form-submission flow was used; application terms pages were opened only as public terms/enrichment sources."], "sources": [{"basis": "Official issuer listing page", "url": "https://www.usbank.com/business-banking/business-credit-cards.html"}, {"basis": "Official product page", "url": "https://www.usbank.com/business-banking/business-credit-cards/business-leverage-rewards-credit-card.html"}, {"basis": "Official terms/pricing page", "url": "https://applications.usbank.com/pdap/terms?locationCode=8069&offerId=QRR5RVRDWR&sourceCode=88647"}], "target": {"alternate_issuer_url": "https://www.usbank.com/credit-cards/co-branded-credit-cards.html", "id": 7, "institution": "U.S. Bank", "institution_type": "Bank/Card Issuer", "known_issuer_partner": "U.S. Bank National Association", "offer_research_url": "https://www.usbank.com/credit-cards.html", "role": "Primary issuer and co-brand issuer"}}


issuer: Synchrony Bank
card_offer: Synchrony Premier World Mastercard®
segment: CONSUMER
category: CASH_BACK
cash_bonus: NA
spend_requirement: NA
spend_timeframe_days_tier_1: NA
spend_requirement_timing: NA
intro_apr: Not found on public product page
regular_apr: Variable purchase APR 17.49%, 26.49%, or 33.24% for new Premier/Plus accounts as of January 1, 2026
source_url: https://www.synchrony.com/financing/synchrony-mastercards
source_basis: Official product page with embedded terms
retrieved: 2026-05-30T00:08:43-06:00
created_at: 2026-05-30 06:08:43
updated_at: 2026-05-30 15:47:45
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  No separate welcome bonus found on the public product page; earns unlimited 2% cash back on every purchase.

rewards_key_perks:
  Unlimited 2% cash back on every purchase; cash back applied as a statement credit within 2 billing periods; Mastercard ID Theft Protection, Mastercard Travel & Lifestyle Services, and Priceless Experiences.

notes:
  Subject to credit approval. No application or prequalification flow was used. Product page linked rewards terms, but direct PDF navigation was blocked by browser security policy, so product-page disclosures are the evidence source.

raw_json:
  {"target": {"id": 10, "institution": "Synchrony", "institution_type": "Bank/Card Issuer", "role": "Private-label and co-brand issuer", "known_issuer_partner": "Synchrony Bank", "offer_research_url": "https://www.synchrony.com/financing", "alternate_issuer_url": "https://www.synchrony.com/marketplace"}, "retrieved": "2026-05-30T00:08:43-06:00", "card_offer": "Synchrony Premier World Mastercard®", "sources": [{"url": "https://www.synchrony.com/financing", "basis": "Official Synchrony financing hub", "evidence": "Hub lists Synchrony financing options, Synchrony Mastercards, and Synchrony-branded network cards; it also links to CareCredit."}, {"url": "https://www.synchrony.com/financing/synchrony-mastercards", "basis": "Official Synchrony Mastercards product page with embedded offer terms", "evidence": "Page lists Premier, Plus, and Preferred Mastercards, no annual fee language, rewards/benefits, and embedded APR footnotes for Premier/Plus."}, {"url": "https://www.synchrony.com/legal/account-features/cardholder-agreements", "basis": "Official cardholder agreements page", "evidence": "Page says Synchrony publishes current pricing information and agreements for new accounts, but card-specific content was not visible without the page workflow; no personal data was entered."}], "evidence_summary": "Official page lists 2% cash back, $0 annual fee, Mastercard benefits, and Premier/Plus APR tiers.", "limitations": ["Direct Synchrony rewards-terms PDF navigation was blocked by browser security policy, so the PDF was not used as evidence.", "Preferred Mastercard public product page did not expose a product-specific purchase APR in visible text."], "skipped_scope": "Partner-branded Synchrony cards such as PayPal, Sam's Club, Amazon, Venmo, Verizon, TJX, Lowe's, Cathay, Virgin Red, eBay, and Walgreens were not inserted in this direct Synchrony batch because they already have existing rows or separate institution target rows.", "browser_safety": "No login, application, prequalification, application form, or personal-information workflow was submitted.", "discovered_links_not_used_as_source": ["https://www.synchrony.com/document/syfmcpremierrewardsterms.pdf", "https://www.synchronycredit.com/essimages/cs/groups/ess_webasset/dualcard/@tru/en/promohtmls/ess048626.html?prevDom=www-synchrony-com"]}


issuer: Synchrony Bank
card_offer: Synchrony Plus World Mastercard®
segment: CONSUMER
category: CASH_BACK
cash_bonus: NA
spend_requirement: NA
spend_timeframe_days_tier_1: NA
spend_requirement_timing: NA
intro_apr: Not found on public product page
regular_apr: Variable purchase APR 17.49%, 26.49%, or 33.24% for new Premier/Plus accounts as of January 1, 2026
source_url: https://www.synchrony.com/financing/synchrony-mastercards
source_basis: Official product page with embedded terms
retrieved: 2026-05-30T00:08:43-06:00
created_at: 2026-05-30 06:08:43
updated_at: 2026-05-30 15:47:45
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  By invitation only; no separate welcome bonus found on public product page; earns unlimited 1% cash back on every purchase.

rewards_key_perks:
  Unlimited 1% cash back on every purchase; cash back applied as a statement credit within 2 billing periods; Mastercard World benefits.

notes:
  Public page marks Plus as by invitation only. No application or prequalification flow was used. Product page linked rewards terms, but direct PDF navigation was blocked by browser security policy, so product-page disclosures are the evidence source.

raw_json:
  {"target": {"id": 10, "institution": "Synchrony", "institution_type": "Bank/Card Issuer", "role": "Private-label and co-brand issuer", "known_issuer_partner": "Synchrony Bank", "offer_research_url": "https://www.synchrony.com/financing", "alternate_issuer_url": "https://www.synchrony.com/marketplace"}, "retrieved": "2026-05-30T00:08:43-06:00", "card_offer": "Synchrony Plus World Mastercard®", "sources": [{"url": "https://www.synchrony.com/financing", "basis": "Official Synchrony financing hub", "evidence": "Hub lists Synchrony financing options, Synchrony Mastercards, and Synchrony-branded network cards; it also links to CareCredit."}, {"url": "https://www.synchrony.com/financing/synchrony-mastercards", "basis": "Official Synchrony Mastercards product page with embedded offer terms", "evidence": "Page lists Premier, Plus, and Preferred Mastercards, no annual fee language, rewards/benefits, and embedded APR footnotes for Premier/Plus."}, {"url": "https://www.synchrony.com/legal/account-features/cardholder-agreements", "basis": "Official cardholder agreements page", "evidence": "Page says Synchrony publishes current pricing information and agreements for new accounts, but card-specific content was not visible without the page workflow; no personal data was entered."}], "evidence_summary": "Official page lists Plus as by invitation only with 1% cash back, $0 annual fee, Mastercard benefits, and Premier/Plus APR tiers.", "limitations": ["Direct Synchrony rewards-terms PDF navigation was blocked by browser security policy, so the PDF was not used as evidence.", "Preferred Mastercard public product page did not expose a product-specific purchase APR in visible text."], "skipped_scope": "Partner-branded Synchrony cards such as PayPal, Sam's Club, Amazon, Venmo, Verizon, TJX, Lowe's, Cathay, Virgin Red, eBay, and Walgreens were not inserted in this direct Synchrony batch because they already have existing rows or separate institution target rows.", "browser_safety": "No login, application, prequalification, application form, or personal-information workflow was submitted.", "discovered_links_not_used_as_source": ["https://www.synchrony.com/document/syfmcpremierrewardsterms.pdf", "https://www.synchronycredit.com/essimages/cs/groups/ess_webasset/dualcard/@tru/en/promohtmls/ess048626.html?prevDom=www-synchrony-com"]}


issuer: Synchrony Bank
card_offer: Synchrony Preferred Mastercard®
segment: CONSUMER
category: CREDIT_BUILDING
welcome_intro_offer: By invitation only; no welcome bonus found on public product page.
cash_bonus: NA
spend_requirement: NA
spend_timeframe_days_tier_1: NA
spend_requirement_timing: NA
intro_apr: Not found on public product page
regular_apr: Not found on public product page
source_url: https://www.synchrony.com/financing/synchrony-mastercards
source_basis: Official product page with embedded terms
retrieved: 2026-05-30T00:08:43-06:00
created_at: 2026-05-30 06:08:43
updated_at: 2026-05-30 15:47:45
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
rewards_key_perks:
  Positioned for first-time cardholders or credit building; Mastercard ID Theft Protection, Mastercard Travel & Lifestyle Services, and Priceless Experiences; no cash-back rewards stated for Preferred.

notes:
  Public page marks Preferred as by invitation only. Product-specific APR was not visible on the public product page; cardholder agreement page was consulted without entering personal information.

raw_json:
  {"target": {"id": 10, "institution": "Synchrony", "institution_type": "Bank/Card Issuer", "role": "Private-label and co-brand issuer", "known_issuer_partner": "Synchrony Bank", "offer_research_url": "https://www.synchrony.com/financing", "alternate_issuer_url": "https://www.synchrony.com/marketplace"}, "retrieved": "2026-05-30T00:08:43-06:00", "card_offer": "Synchrony Preferred Mastercard®", "sources": [{"url": "https://www.synchrony.com/financing", "basis": "Official Synchrony financing hub", "evidence": "Hub lists Synchrony financing options, Synchrony Mastercards, and Synchrony-branded network cards; it also links to CareCredit."}, {"url": "https://www.synchrony.com/financing/synchrony-mastercards", "basis": "Official Synchrony Mastercards product page with embedded offer terms", "evidence": "Page lists Premier, Plus, and Preferred Mastercards, no annual fee language, rewards/benefits, and embedded APR footnotes for Premier/Plus."}, {"url": "https://www.synchrony.com/legal/account-features/cardholder-agreements", "basis": "Official cardholder agreements page", "evidence": "Page says Synchrony publishes current pricing information and agreements for new accounts, but card-specific content was not visible without the page workflow; no personal data was entered."}], "evidence_summary": "Official page lists Preferred as by invitation only, no annual fee, and Mastercard benefits, but no Preferred-specific APR was visible.", "limitations": ["Direct Synchrony rewards-terms PDF navigation was blocked by browser security policy, so the PDF was not used as evidence.", "Preferred Mastercard public product page did not expose a product-specific purchase APR in visible text."], "skipped_scope": "Partner-branded Synchrony cards such as PayPal, Sam's Club, Amazon, Venmo, Verizon, TJX, Lowe's, Cathay, Virgin Red, eBay, and Walgreens were not inserted in this direct Synchrony batch because they already have existing rows or separate institution target rows.", "browser_safety": "No login, application, prequalification, application form, or personal-information workflow was submitted.", "discovered_links_not_used_as_source": ["https://www.synchrony.com/document/syfmcpremierrewardsterms.pdf", "https://www.synchronycredit.com/essimages/cs/groups/ess_webasset/dualcard/@tru/en/promohtmls/ess048626.html?prevDom=www-synchrony-com"]}


issuer: Synchrony Bank
card_offer: Synchrony Project Card
segment: CONSUMER
category: HOME_IMPROVEMENT_FINANCING
cash_bonus: NA
spend_requirement: NA
spend_timeframe_days_tier_1: NA
spend_requirement_timing: NA
additional_requirements_annual_fee: Annual fee not found on public product page
intro_apr: Special financing for 6 to 132 months; specific terms vary by participating contractor/location
regular_apr: Not found on public product page
source_url: https://www.synchrony.com/financing/synchrony-project-card
source_basis: Official product and offer page
retrieved: 2026-05-30T00:08:43-06:00
created_at: 2026-05-30 06:08:43
updated_at: 2026-05-30 15:47:45
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  Special financing for 6 to 132 months; sample visible partner offer includes no interest if paid in full within 12 months, with $29 activation fee possibly applying.

rewards_key_perks:
  Accepted at thousands of contractor locations nationwide for home improvements and repairs; convenient monthly payments and fast credit decisions.

notes:
  Offer details vary by contractor or partner. No application or personal-information workflow was used.

raw_json:
  {"target": {"id": 10, "institution": "Synchrony", "institution_type": "Bank/Card Issuer", "role": "Private-label and co-brand issuer", "known_issuer_partner": "Synchrony Bank", "offer_research_url": "https://www.synchrony.com/financing", "alternate_issuer_url": "https://www.synchrony.com/marketplace"}, "retrieved": "2026-05-30T00:08:43-06:00", "card_offer": "Synchrony Project Card", "sources": [{"url": "https://www.synchrony.com/financing", "basis": "Official Synchrony financing hub", "evidence": "Hub lists Synchrony financing options, Synchrony Mastercards, and Synchrony-branded network cards; it also links to CareCredit."}, {"url": "https://www.synchrony.com/financing/synchrony-project-card", "basis": "Official product and offer page", "evidence": "Page describes Synchrony Project Card for home improvements/repairs, special financing for 6 to 132 months, and a sample 12-month no-interest-if-paid-in-full partner offer."}, {"url": "https://www.synchrony.com/legal/account-features/cardholder-agreements", "basis": "Official cardholder agreements page", "evidence": "Page says Synchrony publishes current pricing information and agreements for new accounts, but card-specific content was not visible without the page workflow; no personal data was entered."}], "evidence_summary": "Official page shows special financing for 6 to 132 months and sample 12-month no-interest-if-paid-in-full offer.", "limitations": ["Product page did not expose annual fee or regular purchase APR in visible public text."], "skipped_scope": "Partner-branded Synchrony cards such as PayPal, Sam's Club, Amazon, Venmo, Verizon, TJX, Lowe's, Cathay, Virgin Red, eBay, and Walgreens were not inserted in this direct Synchrony batch because they already have existing rows or separate institution target rows.", "browser_safety": "No login, application, prequalification, application form, or personal-information workflow was submitted.", "discovered_links_not_used_as_source": []}


issuer: Synchrony Bank
card_offer: Synchrony HOME™ Credit Card
segment: CONSUMER
category: HOME_FINANCING
cash_bonus: NA
spend_requirement: NA
spend_timeframe_days_tier_1: NA
spend_requirement_timing: NA
source_url: https://www.synchrony.com/financing/home/synchrony-home-credit-card
source_basis: Official product page with embedded terms
retrieved: 2026-05-30T00:08:43-06:00
created_at: 2026-05-30 06:08:43
updated_at: 2026-05-30 15:47:45
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  No interest if paid in full within 6 or 12 months on qualifying purchases; 6 months on $299-$1,998.99 or 12 months on $1,999+; additional promotional financing up to 60 months may be available.

intro_apr:
  Deferred-interest promotional financing: no interest if paid in full within 6 or 12 months on qualifying purchases; other retailer offers vary

regular_apr:
  Purchase APR 34.99%; penalty APR 39.99%; minimum interest charge $2 for new accounts as of July 31, 2025

rewards_key_perks:
  Accepted at thousands of Synchrony HOME retail partners for furniture, appliances, mattresses, flooring, and related home purchases.

notes:
  Promotional financing offers vary by location and retailer. No application or prequalification flow was used.

raw_json:
  {"target": {"id": 10, "institution": "Synchrony", "institution_type": "Bank/Card Issuer", "role": "Private-label and co-brand issuer", "known_issuer_partner": "Synchrony Bank", "offer_research_url": "https://www.synchrony.com/financing", "alternate_issuer_url": "https://www.synchrony.com/marketplace"}, "retrieved": "2026-05-30T00:08:43-06:00", "card_offer": "Synchrony HOME™ Credit Card", "sources": [{"url": "https://www.synchrony.com/financing", "basis": "Official Synchrony financing hub", "evidence": "Hub lists Synchrony financing options, Synchrony Mastercards, and Synchrony-branded network cards; it also links to CareCredit."}, {"url": "https://www.synchrony.com/financing/home/synchrony-home-credit-card", "basis": "Official product page with embedded terms", "evidence": "Page describes Synchrony HOME promotional financing, no annual fee, no-interest-if-paid-in-full tiers, and 34.99% purchase APR footnotes."}, {"url": "https://www.synchrony.com/legal/account-features/cardholder-agreements", "basis": "Official cardholder agreements page", "evidence": "Page says Synchrony publishes current pricing information and agreements for new accounts, but card-specific content was not visible without the page workflow; no personal data was entered."}], "evidence_summary": "Official page shows no annual fee, 6/12-month deferred-interest tiers, possible longer promotional financing, and 34.99% purchase APR footnotes.", "limitations": [], "skipped_scope": "Partner-branded Synchrony cards such as PayPal, Sam's Club, Amazon, Venmo, Verizon, TJX, Lowe's, Cathay, Virgin Red, eBay, and Walgreens were not inserted in this direct Synchrony batch because they already have existing rows or separate institution target rows.", "browser_safety": "No login, application, prequalification, application form, or personal-information workflow was submitted.", "discovered_links_not_used_as_source": []}


issuer: Synchrony Bank
card_offer: Synchrony Car Care™ Credit Card
segment: CONSUMER
category: AUTOMOTIVE_FINANCING
cash_bonus: NA
spend_requirement: 199
spend_timeframe_days_tier_1: 180
spend_requirement_timing: No interest if paid in full within 6 months on purchases of $199 or more
source_url: https://www.synchrony.com/financing/car-care/cardholder
source_basis: Official product page with embedded terms
retrieved: 2026-05-30T00:08:43-06:00
created_at: 2026-05-30 06:08:43
updated_at: 2026-05-30 15:47:45
spend_requirement_extra_reqs: qualifying purchase for 6-month promotional financing
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  No interest if paid in full within 6 months on purchases of $199+; gas station purchases are not eligible for promotional financing.

intro_apr:
  Deferred-interest promotional financing: no interest if paid in full within 6 months on purchases of $199+

regular_apr:
  Purchase APR 34.99%; penalty APR 39.99%; minimum interest charge $2 for new accounts as of July 31, 2025

rewards_key_perks:
  Accepted at 1M+ auto merchant locations nationwide, including parts, repair, gas, services, and more; gas acceptance across major gas brands.

notes:
  Partner rebate offers were visible but vary by partner and expiration, so the row captures the ongoing card financing offer. No application or prequalification flow was used.

raw_json:
  {"target": {"id": 10, "institution": "Synchrony", "institution_type": "Bank/Card Issuer", "role": "Private-label and co-brand issuer", "known_issuer_partner": "Synchrony Bank", "offer_research_url": "https://www.synchrony.com/financing", "alternate_issuer_url": "https://www.synchrony.com/marketplace"}, "retrieved": "2026-05-30T00:08:43-06:00", "card_offer": "Synchrony Car Care™ Credit Card", "sources": [{"url": "https://www.synchrony.com/financing", "basis": "Official Synchrony financing hub", "evidence": "Hub lists Synchrony financing options, Synchrony Mastercards, and Synchrony-branded network cards; it also links to CareCredit."}, {"url": "https://www.synchrony.com/financing/car-care/cardholder", "basis": "Official product page with embedded terms", "evidence": "Page describes 6-month no-interest-if-paid-in-full financing on purchases of $199+, 1M+ auto merchant locations, gas acceptance, no annual fee, and 34.99% purchase APR footnotes."}, {"url": "https://www.synchrony.com/legal/account-features/cardholder-agreements", "basis": "Official cardholder agreements page", "evidence": "Page says Synchrony publishes current pricing information and agreements for new accounts, but card-specific content was not visible without the page workflow; no personal data was entered."}], "evidence_summary": "Official page shows 6-month deferred-interest financing on $199+ purchases, no annual fee, 1M+ merchant acceptance, gas acceptance, and 34.99% purchase APR footnotes.", "limitations": [], "skipped_scope": "Partner-branded Synchrony cards such as PayPal, Sam's Club, Amazon, Venmo, Verizon, TJX, Lowe's, Cathay, Virgin Red, eBay, and Walgreens were not inserted in this direct Synchrony batch because they already have existing rows or separate institution target rows.", "browser_safety": "No login, application, prequalification, application form, or personal-information workflow was submitted.", "discovered_links_not_used_as_source": []}


issuer: Synchrony Bank
card_offer: Synchrony Luxury Credit Card
segment: CONSUMER
category: JEWELRY_FINANCING
cash_bonus: NA
spend_requirement: NA
spend_timeframe_days_tier_1: NA
spend_requirement_timing: Promotional financing offers vary by store/location
intro_apr: Promotional financing may be available; terms vary by store/location
rewards_key_perks: Flexible financing for jewelry purchases at over 4,000 retailers nationwide.
source_url: https://www.synchrony.com/financing/luxury/cardholder
source_basis: Official product page with embedded terms
retrieved: 2026-05-30T00:08:43-06:00
notes: Promotional financing offers vary by location. No application or prequalification flow was used.
created_at: 2026-05-30 06:08:43
updated_at: 2026-05-30 15:47:45
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  Promotional financing offers available at purchase may vary by location; no fixed public welcome bonus found.

regular_apr:
  Purchase APR 34.99%; penalty APR 39.99%; minimum interest charge $2 for new accounts as of July 31, 2025

raw_json:
  {"target": {"id": 10, "institution": "Synchrony", "institution_type": "Bank/Card Issuer", "role": "Private-label and co-brand issuer", "known_issuer_partner": "Synchrony Bank", "offer_research_url": "https://www.synchrony.com/financing", "alternate_issuer_url": "https://www.synchrony.com/marketplace"}, "retrieved": "2026-05-30T00:08:43-06:00", "card_offer": "Synchrony Luxury Credit Card", "sources": [{"url": "https://www.synchrony.com/financing", "basis": "Official Synchrony financing hub", "evidence": "Hub lists Synchrony financing options, Synchrony Mastercards, and Synchrony-branded network cards; it also links to CareCredit."}, {"url": "https://www.synchrony.com/financing/luxury/cardholder", "basis": "Official product page with embedded terms", "evidence": "Page describes Synchrony Luxury Credit Card for jewelry financing, no annual fee, promo financing varies by store, and 34.99% purchase APR footnotes."}, {"url": "https://www.synchrony.com/legal/account-features/cardholder-agreements", "basis": "Official cardholder agreements page", "evidence": "Page says Synchrony publishes current pricing information and agreements for new accounts, but card-specific content was not visible without the page workflow; no personal data was entered."}], "evidence_summary": "Official page shows jewelry financing, no annual fee, variable promotional financing, and 34.99% purchase APR footnotes.", "limitations": [], "skipped_scope": "Partner-branded Synchrony cards such as PayPal, Sam's Club, Amazon, Venmo, Verizon, TJX, Lowe's, Cathay, Virgin Red, eBay, and Walgreens were not inserted in this direct Synchrony batch because they already have existing rows or separate institution target rows.", "browser_safety": "No login, application, prequalification, application form, or personal-information workflow was submitted.", "discovered_links_not_used_as_source": []}


issuer: Synchrony Bank
card_offer: Synchrony Sewing & More® Credit Card
segment: CONSUMER
category: SPECIALTY_RETAIL_FINANCING
cash_bonus: NA
spend_requirement: 150
spend_timeframe_days_tier_1: 180
spend_requirement_timing: No interest if paid in full within 6 months on qualifying purchases of $150+
rewards_key_perks: Accepted at 1,200+ merchant network for sewing machines, specialty equipment, and supplies.
source_url: https://www.synchrony.com/financing/sewing-more
source_basis: Official product page with embedded terms
retrieved: 2026-05-30T00:08:43-06:00
created_at: 2026-05-30 06:08:43
updated_at: 2026-05-30 15:47:45
spend_requirement_extra_reqs: qualifying purchase for 6-month promotional financing
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  Exclusive 6-month promotional financing on purchases of $150+; additional options may be available at sewing retailers.

intro_apr:
  Deferred-interest promotional financing: no interest if paid in full within 6 months on qualifying purchases of $150+

regular_apr:
[cell repeats an earlier one in this file: 104 characters]

notes:
  Additional promotional options may vary by retailer. No application or prequalification flow was used.

raw_json:
  {"target": {"id": 10, "institution": "Synchrony", "institution_type": "Bank/Card Issuer", "role": "Private-label and co-brand issuer", "known_issuer_partner": "Synchrony Bank", "offer_research_url": "https://www.synchrony.com/financing", "alternate_issuer_url": "https://www.synchrony.com/marketplace"}, "retrieved": "2026-05-30T00:08:43-06:00", "card_offer": "Synchrony Sewing & More® Credit Card", "sources": [{"url": "https://www.synchrony.com/financing", "basis": "Official Synchrony financing hub", "evidence": "Hub lists Synchrony financing options, Synchrony Mastercards, and Synchrony-branded network cards; it also links to CareCredit."}, {"url": "https://www.synchrony.com/financing/sewing-more", "basis": "Official product page with embedded terms", "evidence": "Page describes Sewing & More Credit Card, everyday 6-month promotional financing on $150+ purchases, no annual fee, and 34.99% purchase APR footnotes."}, {"url": "https://www.synchrony.com/legal/account-features/cardholder-agreements", "basis": "Official cardholder agreements page", "evidence": "Page says Synchrony publishes current pricing information and agreements for new accounts, but card-specific content was not visible without the page workflow; no personal data was entered."}], "evidence_summary": "Official page shows 6-month deferred-interest financing on $150+ purchases, no annual fee, 1,200+ merchant network, and 34.99% purchase APR footnotes.", "limitations": [], "skipped_scope": "Partner-branded Synchrony cards such as PayPal, Sam's Club, Amazon, Venmo, Verizon, TJX, Lowe's, Cathay, Virgin Red, eBay, and Walgreens were not inserted in this direct Synchrony batch because they already have existing rows or separate institution target rows.", "browser_safety": "No login, application, prequalification, application form, or personal-information workflow was submitted.", "discovered_links_not_used_as_source": []}


issuer: Synchrony Bank
card_offer: Synchrony Sport® Credit Card
segment: CONSUMER
category: SPORTING_GOODS_FINANCING
welcome_intro_offer: Special promotional financing may be available at the time of purchase and may vary by location.
cash_bonus: NA
spend_requirement: NA
spend_timeframe_days_tier_1: NA
spend_requirement_timing: Promotional financing offers vary by store/location
intro_apr: Promotional financing may be available; terms vary by store/location
source_url: https://www.synchrony.com/financing/sport
source_basis: Official product page with embedded terms
retrieved: 2026-05-30T00:08:43-06:00
notes: Promotional financing offers vary by location. No application or prequalification flow was used.
created_at: 2026-05-30 06:08:43
updated_at: 2026-05-30 15:47:45
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
regular_apr:
[cell repeats an earlier one in this file: 104 characters]

rewards_key_perks:
  Accepted across sporting goods dealers for bicycles, fitness equipment, sporting goods, apparel, and related purchases.

raw_json:
  {"target": {"id": 10, "institution": "Synchrony", "institution_type": "Bank/Card Issuer", "role": "Private-label and co-brand issuer", "known_issuer_partner": "Synchrony Bank", "offer_research_url": "https://www.synchrony.com/financing", "alternate_issuer_url": "https://www.synchrony.com/marketplace"}, "retrieved": "2026-05-30T00:08:43-06:00", "card_offer": "Synchrony Sport® Credit Card", "sources": [{"url": "https://www.synchrony.com/financing", "basis": "Official Synchrony financing hub", "evidence": "Hub lists Synchrony financing options, Synchrony Mastercards, and Synchrony-branded network cards; it also links to CareCredit."}, {"url": "https://www.synchrony.com/financing/sport", "basis": "Official product page with embedded terms", "evidence": "Page describes Synchrony Sport Credit Card, special financing that may vary by store, no annual fee, and 34.99% purchase APR footnotes."}, {"url": "https://www.synchrony.com/legal/account-features/cardholder-agreements", "basis": "Official cardholder agreements page", "evidence": "Page says Synchrony publishes current pricing information and agreements for new accounts, but card-specific content was not visible without the page workflow; no personal data was entered."}], "evidence_summary": "Official page shows special financing may vary by store, no annual fee, broad sporting-goods acceptance, and 34.99% purchase APR footnotes.", "limitations": [], "skipped_scope": "Partner-branded Synchrony cards such as PayPal, Sam's Club, Amazon, Venmo, Verizon, TJX, Lowe's, Cathay, Virgin Red, eBay, and Walgreens were not inserted in this direct Synchrony batch because they already have existing rows or separate institution target rows.", "browser_safety": "No login, application, prequalification, application form, or personal-information workflow was submitted.", "discovered_links_not_used_as_source": []}


issuer: Synchrony Bank
card_offer: Synchrony Music & Sound Credit Card
segment: CONSUMER
category: MUSIC_RETAIL_FINANCING
cash_bonus: NA
spend_requirement: NA
spend_timeframe_days_tier_1: NA
spend_requirement_timing: Special financing options may be available at participating music retailers
intro_apr: Special financing may be available; terms vary by retailer
source_url: https://www.synchrony.com/financing/music-and-sound
source_basis: Official product page with embedded terms
retrieved: 2026-05-30T00:08:43-06:00
notes: Special financing options vary by retailer. No application or prequalification flow was used.
created_at: 2026-05-30 06:08:43
updated_at: 2026-05-30 15:47:45
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  Special financing options may be available at participating music retailers; no fixed public welcome bonus found.

regular_apr:
[cell repeats an earlier one in this file: 104 characters]

rewards_key_perks:
  Convenient monthly payments and exclusive offers for instruments, sound equipment, and other music purchases at participating retailers.

raw_json:
  {"target": {"id": 10, "institution": "Synchrony", "institution_type": "Bank/Card Issuer", "role": "Private-label and co-brand issuer", "known_issuer_partner": "Synchrony Bank", "offer_research_url": "https://www.synchrony.com/financing", "alternate_issuer_url": "https://www.synchrony.com/marketplace"}, "retrieved": "2026-05-30T00:08:43-06:00", "card_offer": "Synchrony Music & Sound Credit Card", "sources": [{"url": "https://www.synchrony.com/financing", "basis": "Official Synchrony financing hub", "evidence": "Hub lists Synchrony financing options, Synchrony Mastercards, and Synchrony-branded network cards; it also links to CareCredit."}, {"url": "https://www.synchrony.com/financing/music-and-sound", "basis": "Official product page with embedded terms", "evidence": "Page describes Synchrony Music & Sound Credit Card, special financing options, no annual fee, and 34.99% purchase APR footnotes."}, {"url": "https://www.synchrony.com/legal/account-features/cardholder-agreements", "basis": "Official cardholder agreements page", "evidence": "Page says Synchrony publishes current pricing information and agreements for new accounts, but card-specific content was not visible without the page workflow; no personal data was entered."}], "evidence_summary": "Official page shows special financing options may be available, no annual fee, music-retailer acceptance, and 34.99% purchase APR footnotes.", "limitations": [], "skipped_scope": "Partner-branded Synchrony cards such as PayPal, Sam's Club, Amazon, Venmo, Verizon, TJX, Lowe's, Cathay, Virgin Red, eBay, and Walgreens were not inserted in this direct Synchrony batch because they already have existing rows or separate institution target rows.", "browser_safety": "No login, application, prequalification, application form, or personal-information workflow was submitted.", "discovered_links_not_used_as_source": []}


issuer: Synchrony Bank
card_offer: Cutting Edge Credit Card
segment: CONSUMER
category: OUTDOOR_POWER_EQUIPMENT_FINANCING
welcome_intro_offer: Special financing available; promotional financing offers may vary by store/location.
cash_bonus: NA
spend_requirement: NA
spend_timeframe_days_tier_1: NA
spend_requirement_timing: Promotional financing offers vary by store/location
source_url: https://www.synchrony.com/financing/cutting-edge
source_basis: Official product page with embedded terms
retrieved: 2026-05-30T00:08:43-06:00
notes: Promotional financing offers vary by location. No application or prequalification flow was used.
created_at: 2026-05-30 06:08:43
updated_at: 2026-05-30 15:47:45
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
intro_apr:
  Promotional financing may be available; 2% promo fee applies to equal-payment no-interest promotions of 18 months or more

regular_apr:
[cell repeats an earlier one in this file: 104 characters]

rewards_key_perks:
  Financing for outdoor power equipment, products, accessories, and services through participating dealers.

raw_json:
  {"target": {"id": 10, "institution": "Synchrony", "institution_type": "Bank/Card Issuer", "role": "Private-label and co-brand issuer", "known_issuer_partner": "Synchrony Bank", "offer_research_url": "https://www.synchrony.com/financing", "alternate_issuer_url": "https://www.synchrony.com/marketplace"}, "retrieved": "2026-05-30T00:08:43-06:00", "card_offer": "Cutting Edge Credit Card", "sources": [{"url": "https://www.synchrony.com/financing", "basis": "Official Synchrony financing hub", "evidence": "Hub lists Synchrony financing options, Synchrony Mastercards, and Synchrony-branded network cards; it also links to CareCredit."}, {"url": "https://www.synchrony.com/financing/cutting-edge", "basis": "Official product page with embedded terms", "evidence": "Page describes Cutting Edge Credit Card, special financing that varies by store, no annual fee, 34.99% purchase APR, and 2% promo fee on equal-payment no-interest promotions of 18 months or more."}, {"url": "https://www.synchrony.com/legal/account-features/cardholder-agreements", "basis": "Official cardholder agreements page", "evidence": "Page says Synchrony publishes current pricing information and agreements for new accounts, but card-specific content was not visible without the page workflow; no personal data was entered."}], "evidence_summary": "Official page shows special financing, no annual fee, 34.99% purchase APR, and 2% promo fee for equal-payment no-interest promotions of 18 months or more.", "limitations": [], "skipped_scope": "Partner-branded Synchrony cards such as PayPal, Sam's Club, Amazon, Venmo, Verizon, TJX, Lowe's, Cathay, Virgin Red, eBay, and Walgreens were not inserted in this direct Synchrony batch because they already have existing rows or separate institution target rows.", "browser_safety": "No login, application, prequalification, application form, or personal-information workflow was submitted.", "discovered_links_not_used_as_source": []}


issuer: Synchrony Bank
card_offer: Synchrony Outdoors® Credit Card
segment: CONSUMER
category: POWERSPORTS_FINANCING
cash_bonus: NA
spend_requirement: 199
spend_timeframe_days_tier_1: NA
spend_requirement_timing: 6 months on $199-$1,999.99; 12 months on $2,000-$3,499.99; 18 months on $3,500+
source_url: https://www.synchrony.com/financing/outdoors
source_basis: Official product page with embedded terms
retrieved: 2026-05-30T00:08:43-06:00
created_at: 2026-05-30 06:08:43
updated_at: 2026-05-30 15:47:45
spend_requirement_extra_reqs: qualifying purchase for promotional financing tiers
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  No interest if paid in full within 6, 12, or 18 months on qualifying purchases; 6 months on $199-$1,999.99, 12 months on $2,000-$3,499.99, and 18 months on $3,500+ at select dealer locations.

intro_apr:
  Deferred-interest promotional financing: no interest if paid in full within 6, 12, or 18 months on qualifying purchases; gas not eligible for promotional financing

regular_apr:
[cell repeats an earlier one in this file: 104 characters]

rewards_key_perks:
  Accepted at powersports dealers and gas stations for parts, gear, apparel, equipment $5,000 or less, service, and fuel; cannot be used for powersports/trailer down payments.

notes:
  Gas station purchases are not eligible for promotional financing. No application or prequalification flow was used.

raw_json:
  {"target": {"id": 10, "institution": "Synchrony", "institution_type": "Bank/Card Issuer", "role": "Private-label and co-brand issuer", "known_issuer_partner": "Synchrony Bank", "offer_research_url": "https://www.synchrony.com/financing", "alternate_issuer_url": "https://www.synchrony.com/marketplace"}, "retrieved": "2026-05-30T00:08:43-06:00", "card_offer": "Synchrony Outdoors® Credit Card", "sources": [{"url": "https://www.synchrony.com/financing", "basis": "Official Synchrony financing hub", "evidence": "Hub lists Synchrony financing options, Synchrony Mastercards, and Synchrony-branded network cards; it also links to CareCredit."}, {"url": "https://www.synchrony.com/financing/outdoors", "basis": "Official product page with embedded terms", "evidence": "Page describes Synchrony Outdoors Credit Card, 6/12/18-month no-interest-if-paid-in-full tiers, no annual fee, and 34.99% purchase APR footnotes."}, {"url": "https://www.synchrony.com/legal/account-features/cardholder-agreements", "basis": "Official cardholder agreements page", "evidence": "Page says Synchrony publishes current pricing information and agreements for new accounts, but card-specific content was not visible without the page workflow; no personal data was entered."}], "evidence_summary": "Official page shows 6/12/18-month deferred-interest tiers, no annual fee, powersports/gas acceptance caveats, and 34.99% purchase APR footnotes.", "limitations": [], "skipped_scope": "Partner-branded Synchrony cards such as PayPal, Sam's Club, Amazon, Venmo, Verizon, TJX, Lowe's, Cathay, Virgin Red, eBay, and Walgreens were not inserted in this direct Synchrony batch because they already have existing rows or separate institution target rows.", "browser_safety": "No login, application, prequalification, application form, or personal-information workflow was submitted.", "discovered_links_not_used_as_source": []}


issuer: Synchrony Bank
card_offer: CareCredit Credit Card
segment: CONSUMER
category: HEALTH_WELLNESS_FINANCING
cash_bonus: NA
spend_requirement: 200
spend_timeframe_days_tier_1: NA
regular_apr: Purchase APR 32.99%; penalty APR 39.99%; minimum interest charge $2
source_url: https://www.carecredit.com/
source_basis: Official product page with linked rates and fees page
retrieved: 2026-05-30T00:08:43-06:00
created_at: 2026-05-30 06:08:43
updated_at: 2026-05-30 15:47:45
issuer_partner: CareCredit
spend_requirement_extra_reqs: qualifying purchase for promotional financing options
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  Promotional financing options for purchases of $200+ at CareCredit network locations; no interest if paid in full within 6, 12, 18, or 24 months may be available depending on provider/purchase.

spend_requirement_timing:
  Promotional financing options for purchases of $200+; no interest if paid in full within 6, 12, 18, or 24 months may be available

intro_apr:
  Deferred-interest promotional financing may be available; interest at 32.99% charged from purchase date if promotional purchase is not paid in full within promotional period

rewards_key_perks:
  Health and wellness credit card accepted at 285,000+ CareCredit network locations; flexible financing for medical, dental, vision, veterinary, and related care categories.

notes:
  CareCredit is reached from Synchrony’s official hub and is issued by Synchrony Bank. No application or prequalification flow was used.

raw_json:
  {"target": {"id": 10, "institution": "Synchrony", "institution_type": "Bank/Card Issuer", "role": "Private-label and co-brand issuer", "known_issuer_partner": "Synchrony Bank", "offer_research_url": "https://www.synchrony.com/financing", "alternate_issuer_url": "https://www.synchrony.com/marketplace"}, "retrieved": "2026-05-30T00:08:43-06:00", "card_offer": "CareCredit Credit Card", "sources": [{"url": "https://www.synchrony.com/financing", "basis": "Official Synchrony financing hub", "evidence": "Hub lists Synchrony financing options, Synchrony Mastercards, and Synchrony-branded network cards; it also links to CareCredit."}, {"url": "https://www.carecredit.com/", "basis": "Official CareCredit product page", "evidence": "Page describes CareCredit as a health and wellness credit card with promotional financing for purchases of $200+ at 285,000+ network locations and no annual fee."}, {"url": "https://apply.syf.com/cs/groups/public/documents/et_tcdoc/e073098.html?prevDom=www-carecredit-com", "basis": "Official rates and fees page", "evidence": "Rates table for CareCredit Rewards Mastercard and CareCredit Credit Card shows 32.99% purchase APR, 39.99% penalty APR, and promotional financing terms."}, {"url": "https://www.carecredit.com/cardholderagreement/", "basis": "Official CareCredit cardholder agreement page", "evidence": "Page provides download options for new CareCredit card and new CareCredit Rewards Mastercard terms without requiring existing-account details."}], "evidence_summary": "CareCredit page shows health/wellness financing, $200+ promotional financing, no annual fee, and 285,000+ locations; linked rates page shows 32.99% purchase APR and promo terms.", "limitations": ["Promotional options vary by provider and qualifying purchase."], "skipped_scope": "Partner-branded Synchrony cards such as PayPal, Sam's Club, Amazon, Venmo, Verizon, TJX, Lowe's, Cathay, Virgin Red, eBay, and Walgreens were not inserted in this direct Synchrony batch because they already have existing rows or separate institution target rows.", "browser_safety": "No login, application, prequalification, application form, or personal-information workflow was submitted.", "discovered_links_not_used_as_source": []}


issuer: Synchrony Bank
card_offer: CareCredit Rewards Mastercard®
segment: CONSUMER
category: HEALTH_WELLNESS_REWARDS
cash_bonus: NA
spend_requirement: 200
spend_timeframe_days_tier_1: NA
intro_apr: Promotional financing may be available; terms vary by provider and qualifying purchase
source_url: https://www.carecredit.com/mastercard/
source_basis: Official product page with linked rates and fees page
retrieved: 2026-05-30T00:08:43-06:00
created_at: 2026-05-30 06:08:43
updated_at: 2026-05-30 15:47:45
issuer_partner: CareCredit
spend_requirement_extra_reqs: qualifying CareCredit network purchase for promotional financing
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  Promotional financing on purchases of $200+ at 285,000+ CareCredit enrolled provider and select retail locations; no separate welcome bonus found.

spend_requirement_timing:
  Promotional financing on purchases of $200+ at CareCredit enrolled provider and select retail locations

regular_apr:
  Purchase APR 32.99%; penalty APR 39.99%; cash APR 32.99%; balance transfer APR 32.99%; minimum interest charge $2; foreign transaction fee 3%

rewards_key_perks:
  Earn 4x points on CareCredit provider-network purchases under $200 and on health/wellness and pet-store purchases; 3x at grocery stores and restaurants; 2x everywhere else Mastercard is accepted outside CareCredit network; rewards redeemable starting at 1,000 points.

notes:
  The page says applicants are considered first for the Rewards Mastercard and then for the CareCredit credit card. No application or prequalification flow was used.

raw_json:
  {"target": {"id": 10, "institution": "Synchrony", "institution_type": "Bank/Card Issuer", "role": "Private-label and co-brand issuer", "known_issuer_partner": "Synchrony Bank", "offer_research_url": "https://www.synchrony.com/financing", "alternate_issuer_url": "https://www.synchrony.com/marketplace"}, "retrieved": "2026-05-30T00:08:43-06:00", "card_offer": "CareCredit Rewards Mastercard®", "sources": [{"url": "https://www.synchrony.com/financing", "basis": "Official Synchrony financing hub", "evidence": "Hub lists Synchrony financing options, Synchrony Mastercards, and Synchrony-branded network cards; it also links to CareCredit."}, {"url": "https://www.carecredit.com/mastercard/", "basis": "Official CareCredit Rewards Mastercard product page", "evidence": "Page describes CareCredit Rewards Mastercard rewards, promotional financing, no annual fee, Mastercard benefits, and APR footnote."}, {"url": "https://apply.syf.com/cs/groups/public/documents/et_tcdoc/e073098.html?prevDom=www-carecredit-com", "basis": "Official rates and fees page", "evidence": "Rates table for CareCredit Rewards Mastercard and CareCredit Credit Card shows 32.99% purchase APR, 39.99% penalty APR, and promotional financing terms."}, {"url": "https://www.carecredit.com/cardholderagreement/", "basis": "Official CareCredit cardholder agreement page", "evidence": "Page provides download options for new CareCredit card and new CareCredit Rewards Mastercard terms without requiring existing-account details."}], "evidence_summary": "CareCredit Mastercard page shows rewards tiers, no annual fee, $200+ promotional financing, Mastercard benefits, and APR footnotes; linked rates page shows 32.99% purchase APR.", "limitations": ["Reward points required for redemption are subject to change; rewards terms page was linked but visible browser text was unavailable in this session."], "skipped_scope": "Partner-branded Synchrony cards such as PayPal, Sam's Club, Amazon, Venmo, Verizon, TJX, Lowe's, Cathay, Virgin Red, eBay, and Walgreens were not inserted in this direct Synchrony batch because they already have existing rows or separate institution target rows.", "browser_safety": "No login, application, prequalification, application form, or personal-information workflow was submitted.", "discovered_links_not_used_as_source": []}


issuer: Alliant Credit Union
card_offer: Alliant Cashback Visa® Signature Credit Card
segment: CONSUMER
category: CASH_BACK
cash_bonus: NA
spend_requirement: NA
spend_timeframe_days_tier_1: NA
spend_requirement_timing: NA
intro_apr: Not found on public Alliant product/disclosure sources
source_url: https://www.alliantcreditunion.org/credit-cards/visa-signature-card
source_basis: Official product page with linked disclosure and rewards terms PDFs
retrieved: 2026-05-30T00:15:03-06:00
created_at: 2026-05-30 06:15:03
updated_at: 2026-05-30 15:47:45
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  No separate welcome bonus found on public Alliant sources; earns unlimited 1.5% cash back on eligible purchases.

regular_apr:
  Variable purchase APR 15.74%-25.74%; balance transfer APR 15.74%-25.74%; cash advance APR 23.74%-27.74%; penalty APR 28.74%

rewards_key_perks:
  Unlimited 1.5% cash back on eligible purchases; no categories, caps, or activation; no foreign transaction fee; Visa Signature Luxury Hotel Collection, concierge, rental car privileges, purchase security, travel accident insurance, extended warranty, identity theft protection, and auto rental collision damage waiver benefits.

notes:
  Membership applies. Cash back excludes finance charges, fees, cash advances, balance transfers, certain cash-like transactions, and other excluded categories. No application or prequalification flow was used.

raw_json:
  {"target": {"id": 24, "institution": "Alliant Credit Union", "institution_type": "Bank/Card Issuer", "role": "Credit union issuer", "known_issuer_partner": "Alliant Credit Union", "known_rewards_card_examples": "Alliant Cashback Visa Signature", "offer_research_url": "https://www.alliantcreditunion.org/bank/visa-signature-card", "alternate_issuer_url": "https://www.alliantcreditunion.org/bank/credit-cards", "notes": "Membership applies."}, "retrieved": "2026-05-30T00:15:03-06:00", "card_offer": "Alliant Cashback Visa® Signature Credit Card", "sources": [{"url": "https://www.alliantcreditunion.org/credit-cards", "basis": "Official credit card comparison page", "evidence": "Lists Alliant Visa Platinum and Alliant Cashback Visa Signature as current credit card offers; /bank/credit-cards alternate was unavailable."}, {"url": "https://www.alliantcreditunion.org/credit-cards/visa-signature-card", "basis": "Official product page", "evidence": "Shows unlimited 1.5% cash back, no annual fee, no foreign transaction fees, Visa Signature perks, and fee table."}, {"url": "https://www.alliantcreditunion.org/images/uploads/files/VisaSignatureCreditCardDisclosure.pdf", "basis": "Official credit card disclosure PDF", "evidence": "Shows purchase and balance-transfer APR 15.74%-25.74%, cash-advance APR 23.74%-27.74%, no annual fee, no foreign transaction fee, 3% balance-transfer fee, and penalty APR 28.74%."}, {"url": "https://www.alliantcreditunion.org/images/uploads/files/CashbackVisaSignatureProgramTermsConditions.pdf", "basis": "Official rewards program terms PDF", "evidence": "Shows unlimited 1.50% cash back on eligible purchases, exclusions, $25 redemption threshold, redemption options, and expiration rules."}, {"url": "https://www.alliantcreditunion.org/images/uploads/files/VisaSignatureCreditCardAgreement.pdf", "basis": "Official card agreement PDF", "evidence": "Supports account agreement, finance-charge, balance-transfer, cash-advance, and payment-allocation details."}], "evidence_summary": "Alliant product page and program terms show unlimited 1.5% cash back with no annual fee and no foreign transaction fee; disclosure PDF supplies APR and fee details.", "limitations": ["The target alternate URL /bank/credit-cards returned a page-not-found message, so the current /credit-cards comparison page was used."], "browser_safety": "Official pages and linked PDFs were viewed/read only. No login, prequalification, application, or personal-information workflow was submitted."}


issuer: Alliant Credit Union
card_offer: Alliant Visa® Platinum Credit Card
segment: CONSUMER
category: BALANCE_TRANSFER
cash_bonus: NA
spend_requirement: NA
spend_timeframe_days_tier_1: 365
spend_requirement_timing: Introductory APR for purchases and balance transfers for 12 months from account opening
source_url: https://www.alliantcreditunion.org/credit-cards/visa-platinum-card
source_basis: Official product page with linked disclosure PDF
retrieved: 2026-05-30T00:15:03-06:00
created_at: 2026-05-30 06:15:03
updated_at: 2026-05-30 15:47:45
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  Introductory APR as low as 0% for 12 months on purchases and balance transfers; disclosure states 0%-5.99% introductory APR based on creditworthiness.

intro_apr:
  0%-5.99% introductory APR for 12 months from account opening on purchases and balance transfers, based on creditworthiness

regular_apr:
  After intro, variable purchase and balance-transfer APR 13.74%-25.74%; cash advance APR 22.74%-27.74%; penalty APR 28.74%

rewards_key_perks:
  No annual fee; low balance-transfer fee of either $5 or 2% of the amount transferred, whichever is greater; Visa Zero Liability, contactless/mobile wallet support, auto rental collision damage waiver, Roadside Dispatch, EMV chip, and Visa Secure.

notes:
  Membership applies. Introductory rate and incentive offers are not available to members who had an outstanding balance on a closed Alliant Visa Credit Card account or had an Alliant Visa Credit Card within the last six months. No application or prequalification flow was used.

raw_json:
  {"target": {"id": 24, "institution": "Alliant Credit Union", "institution_type": "Bank/Card Issuer", "role": "Credit union issuer", "known_issuer_partner": "Alliant Credit Union", "known_rewards_card_examples": "Alliant Cashback Visa Signature", "offer_research_url": "https://www.alliantcreditunion.org/bank/visa-signature-card", "alternate_issuer_url": "https://www.alliantcreditunion.org/bank/credit-cards", "notes": "Membership applies."}, "retrieved": "2026-05-30T00:15:03-06:00", "card_offer": "Alliant Visa® Platinum Credit Card", "sources": [{"url": "https://www.alliantcreditunion.org/credit-cards", "basis": "Official credit card comparison page", "evidence": "Lists Alliant Visa Platinum and Alliant Cashback Visa Signature as current credit card offers; /bank/credit-cards alternate was unavailable."}, {"url": "https://www.alliantcreditunion.org/credit-cards/visa-platinum-card", "basis": "Official product page", "evidence": "Shows 0% APR intro rate for 12 months on purchases and balance transfers, no annual fee, 2% balance-transfer fee, and standard variable APR 13.74%-25.74% after intro."}, {"url": "https://www.alliantcreditunion.org/images/uploads/files/VisaCreditCardDisclosure.pdf", "basis": "Official credit card disclosure PDF", "evidence": "Shows 0%-5.99% introductory APR for 12 months on purchases and balance transfers based on creditworthiness; after intro, Platinum APR 13.74%-25.74%, no annual fee, 2% balance-transfer fee, and 2% foreign transaction fee."}, {"url": "https://www.alliantcreditunion.org/images/uploads/files/VisaCreditCardAgreement.pdf", "basis": "Official card agreement PDF", "evidence": "Supports intro-offer eligibility, account agreement, finance-charge, balance-transfer, foreign-transaction, and payment-allocation details."}], "evidence_summary": "Alliant product/compare pages show the Visa Platinum offer, 12-month intro APR, no annual fee, and balance transfer positioning; disclosure PDF supplies 0%-5.99% intro APR range, post-intro APR, and fees.", "limitations": ["The product page headlines intro APR as low as 0%; the disclosure clarifies 0%-5.99% introductory APR based on creditworthiness."], "browser_safety": "Official pages and linked PDFs were viewed/read only. No login, prequalification, application, or personal-information workflow was submitted."}


issuer: BMO Bank N.A.
card_offer: BMO Cash Back Credit Card
segment: CONSUMER
category: CASH_BACK
cash_bonus: 200
spend_requirement: 2000
spend_timeframe_days_tier_1: 90
spend_requirement_timing: Spend $2,000 in the first three months of account opening; application window May 4-June 30, 2026.
source_url: https://www.bmo.com/en-us/main/personal/credit-cards/bmo-cash-back-credit-card/
source_basis: Official product page with linked BMO terms and rewards PDFs
retrieved: 2026-05-30T00:24:30-06:00
created_at: 2026-05-30 06:24:30
updated_at: 2026-05-30 15:47:45
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  Limited-time offer: earn $200 cash back after spending $2,000 in the first three months when applying between May 4 and June 30, 2026; also offers low introductory APR on purchases.

intro_apr:
  0% introductory APR for 12 months from account opening on purchases; 0% introductory APR for 12 months from date of first balance transfer when completed within 90 days of account opening.

regular_apr:
  After intro period, variable purchase and balance transfer APR 19.49%-27.49%; cash advance APR 30.74%.

rewards_key_perks:
  5% cash back on eligible streaming, cable TV and satellite services; 3% cash back on eligible gas, EV charging and grocery purchases up to $1,500 per calendar quarter, then 1%; 1% on all other eligible purchases.

notes:
  Public BMO pages and linked BMO terms/rewards PDFs reviewed; no login, form submission, prequalification, or application flow was completed.

raw_json:
  {"card": "BMO Cash Back Credit Card", "enrichment_evidence": "Summary terms state 0% purchase and balance-transfer intro APR for 12 months, then 19.49%-27.49% variable APR, with 30.74% cash advance APR and no annual fee.", "limitations": "Public BMO pages and linked BMO terms/rewards PDFs reviewed; no login, form submission, prequalification, or application flow was completed.", "research_pass": "BMO public offer append pass", "retrieved": "2026-05-30T00:24:30-06:00", "safe_browsing": "No applications, prequalification forms, logins, or personal data submissions were started or completed.", "sources": [{"notes": "Confirmed public card lineup and top-level offer snippets.", "source_basis": "Official BMO credit card listing page", "url": "https://www.bmo.com/en-us/main/personal/credit-cards/"}, {"notes": "Primary public product/offer page.", "source_basis": "Official BMO product page", "url": "https://www.bmo.com/en-us/main/personal/credit-cards/bmo-cash-back-credit-card/"}, {"notes": "APR, annual fee, balance transfer, cash advance, foreign transaction, and penalty fee terms.", "source_basis": "Official BMO summary credit terms PDF", "url": "https://www.bmo.com/en-us/pdf/credit/standardcreditcards.pdf"}, {"notes": "Cash back eligibility, bonus timing, exclusions, and program rules.", "source_basis": "Official BMO cash back program rules PDF", "url": "https://www.bmo.com/en-us/pdf/credit/rewardsconsumercash.pdf"}], "target": {"id": 16, "institution": "BMO", "institution_type": "Bank/Card Issuer", "known_issuer_partner": "BMO Bank N.A.", "offer_research_url": "https://www.bmo.com/en-us/main/personal/credit-cards/", "priority": "Medium", "role": "Primary issuer", "source_basis": "Official BMO credit card hub."}, "visible_source_evidence": "Hub/product page lists a limited-time $200 cash back offer after $2,000 spend in the first three months for applications between May 4 and June 30, 2026, plus 5%/3%/1% cash back categories and a $0 annual fee."}


issuer: BMO Bank N.A.
card_offer: BMO Platinum Credit Card
segment: CONSUMER
category: BALANCE_TRANSFER
cash_bonus: NA
spend_requirement: NA
spend_timeframe_days_tier_1: NA
spend_requirement_timing: NA
source_url: https://www.bmo.com/en-us/main/personal/credit-cards/bmo-platinum-credit-card/
source_basis: Official product page with linked BMO summary credit terms PDF
retrieved: 2026-05-30T00:24:30-06:00
created_at: 2026-05-30 06:24:30
updated_at: 2026-05-30 15:47:45
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  0% introductory APR on purchases for 15 months from account opening and 0% introductory APR on balance transfers for 15 months from date of first transfer when transfers are completed within 90 days of account opening.

intro_apr:
  0% introductory APR on purchases for 15 months from account opening; 0% introductory APR on balance transfers for 15 months from date of first transfer when completed within 90 days of account opening.

regular_apr:
  After intro period, variable purchase and balance transfer APR 16.49%-26.49%; cash advance APR 30.74%.

rewards_key_perks:
  Low introductory APR card focused on purchases and balance transfers; no rewards bonus found on public BMO sources.

notes:
  Public BMO pages and linked BMO terms/rewards PDFs reviewed; no login, form submission, prequalification, or application flow was completed.

raw_json:
  {"card": "BMO Platinum Credit Card", "enrichment_evidence": "Summary terms state 0% purchase intro APR for 15 months and 0% balance-transfer intro APR for 15 months, then 16.49%-26.49% variable APR, with 30.74% cash advance APR and no annual fee.", "limitations": "Public BMO pages and linked BMO terms/rewards PDFs reviewed; no login, form submission, prequalification, or application flow was completed.", "research_pass": "BMO public offer append pass", "retrieved": "2026-05-30T00:24:30-06:00", "safe_browsing": "No applications, prequalification forms, logins, or personal data submissions were started or completed.", "sources": [{"notes": "Confirmed public card lineup and top-level offer snippets.", "source_basis": "Official BMO credit card listing page", "url": "https://www.bmo.com/en-us/main/personal/credit-cards/"}, {"notes": "Primary public product/offer page.", "source_basis": "Official BMO product page", "url": "https://www.bmo.com/en-us/main/personal/credit-cards/bmo-platinum-credit-card/"}, {"notes": "APR, annual fee, balance transfer, cash advance, foreign transaction, and penalty fee terms.", "source_basis": "Official BMO summary credit terms PDF", "url": "https://www.bmo.com/en-us/pdf/credit/standardcreditcards.pdf"}], "target": {"id": 16, "institution": "BMO", "institution_type": "Bank/Card Issuer", "known_issuer_partner": "BMO Bank N.A.", "offer_research_url": "https://www.bmo.com/en-us/main/personal/credit-cards/", "priority": "Medium", "role": "Primary issuer", "source_basis": "Official BMO credit card hub."}, "visible_source_evidence": "Hub/product page lists 0% introductory APR on purchases for 15 months and 0% introductory APR on balance transfers for 15 months when qualifying transfers are completed within 90 days; annual fee is $0."}


issuer: BMO Bank N.A.
card_offer: BMO Platinum Rewards Credit Card
segment: CONSUMER
category: POINTS_REWARDS
welcome_intro_offer: Earn 15,000 bonus points after spending $1,500 within 3 months of opening the account.
bonus_miles: 15000
cash_bonus: NA
spend_requirement: 1500
spend_timeframe_days_tier_1: 90
spend_requirement_timing: Spend $1,500 within 3 months of opening the account.
regular_apr: Variable purchase and balance transfer APR 19.49%-27.49%; cash advance APR 30.74%.
source_url: https://www.bmo.com/en-us/main/personal/credit-cards/bmo-platinum-rewards-credit-card/
source_basis: Official product page with linked BMO terms and rewards PDFs
retrieved: 2026-05-30T00:24:30-06:00
created_at: 2026-05-30 06:24:30
updated_at: 2026-05-30 15:47:45
bonus_miles_type: points
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
intro_apr:
  0% introductory APR for 12 months from date of first balance transfer when completed within 90 days of account opening; no public purchase intro APR found.

rewards_key_perks:
  2 points per $1 on eligible gas, EV charging and grocery purchases up to $1,500 combined spend each calendar quarter, then 1 point; 1 point per $1 on all other eligible purchases; 15% anniversary bonus points after at least $15,000 annual spend.

notes:
  Public BMO pages and linked BMO terms/rewards PDFs reviewed; no login, form submission, prequalification, or application flow was completed.

raw_json:
  {"card": "BMO Platinum Rewards Credit Card", "enrichment_evidence": "Summary terms state 0% introductory APR for qualifying balance transfers for 12 months, then 19.49%-27.49% variable APR, with 30.74% cash advance APR and no annual fee.", "limitations": "Public BMO pages and linked BMO terms/rewards PDFs reviewed; no login, form submission, prequalification, or application flow was completed.", "research_pass": "BMO public offer append pass", "retrieved": "2026-05-30T00:24:30-06:00", "safe_browsing": "No applications, prequalification forms, logins, or personal data submissions were started or completed.", "sources": [{"notes": "Confirmed public card lineup and top-level offer snippets.", "source_basis": "Official BMO credit card listing page", "url": "https://www.bmo.com/en-us/main/personal/credit-cards/"}, {"notes": "Primary public product/offer page.", "source_basis": "Official BMO product page", "url": "https://www.bmo.com/en-us/main/personal/credit-cards/bmo-platinum-rewards-credit-card/"}, {"notes": "APR, annual fee, balance transfer, cash advance, foreign transaction, and penalty fee terms.", "source_basis": "Official BMO summary credit terms PDF", "url": "https://www.bmo.com/en-us/pdf/credit/standardcreditcards.pdf"}, {"notes": "Points rewards eligibility, exclusions, anniversary bonus framework, and program rules.", "source_basis": "Official BMO points rewards program rules PDF", "url": "https://www.bmo.com/en-us/pdf/credit/rewardsconsumerpoints.pdf"}], "target": {"id": 16, "institution": "BMO", "institution_type": "Bank/Card Issuer", "known_issuer_partner": "BMO Bank N.A.", "offer_research_url": "https://www.bmo.com/en-us/main/personal/credit-cards/", "priority": "Medium", "role": "Primary issuer", "source_basis": "Official BMO credit card hub."}, "visible_source_evidence": "Hub/product page lists a 15,000-point welcome offer after $1,500 spend within 3 months, 2x gas/EV/grocery earning up to $1,500 combined quarterly spend, 1x other purchases, 15% anniversary bonus points, and a $0 annual fee."}


issuer: BMO Bank N.A.
card_offer: BMO Premium Rewards Credit Card
segment: CONSUMER
category: POINTS_REWARDS
welcome_intro_offer: Earn 35,000 bonus points after spending $5,000 within 2 months of opening the account.
bonus_miles: 35000
cash_bonus: NA
spend_requirement: 5000
spend_timeframe_days_tier_1: 60
spend_requirement_timing: Spend $5,000 within 2 months of opening the account.
intro_apr: No public intro APR found on reviewed BMO product and terms sources.
regular_apr: Variable purchase and balance transfer APR 18.49%-27.49%; cash advance APR 30.74%.
source_url: https://www.bmo.com/en-us/main/personal/credit-cards/bmo-premium-rewards-credit-card/
source_basis: Official product page with linked BMO terms and rewards PDFs
retrieved: 2026-05-30T00:24:30-06:00
created_at: 2026-05-30 06:24:30
updated_at: 2026-05-30 15:47:45
bonus_miles_type: points
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
rewards_key_perks:
  4 points per $1 on eligible gas, EV charging, grocery purchases and dining up to $2,000 combined spend each calendar quarter; 2 points per $1 on eligible hotels and airfare up to $2,000 combined spend each calendar quarter; 1 point per $1 on all other eligible purchases; 10% anniversary bonus points every year; no foreign transaction fee.

notes:
[cell repeats an earlier one in this file: 140 characters]

raw_json:
  {"card": "BMO Premium Rewards Credit Card", "enrichment_evidence": "Summary terms state 18.49%-27.49% variable APR for purchases and balance transfers, 30.74% cash advance APR, $95 annual fee, and no foreign transaction fee.", "limitations": "Public BMO pages and linked BMO terms/rewards PDFs reviewed; no login, form submission, prequalification, or application flow was completed.", "research_pass": "BMO public offer append pass", "retrieved": "2026-05-30T00:24:30-06:00", "safe_browsing": "No applications, prequalification forms, logins, or personal data submissions were started or completed.", "sources": [{"notes": "Confirmed public card lineup and top-level offer snippets.", "source_basis": "Official BMO credit card listing page", "url": "https://www.bmo.com/en-us/main/personal/credit-cards/"}, {"notes": "Primary public product/offer page.", "source_basis": "Official BMO product page", "url": "https://www.bmo.com/en-us/main/personal/credit-cards/bmo-premium-rewards-credit-card/"}, {"notes": "APR, annual fee, balance transfer, cash advance, foreign transaction, and penalty fee terms.", "source_basis": "Official BMO summary credit terms PDF", "url": "https://www.bmo.com/en-us/pdf/credit/premium.pdf"}, {"notes": "Points rewards eligibility, exclusions, anniversary bonus framework, and program rules.", "source_basis": "Official BMO points rewards program rules PDF", "url": "https://www.bmo.com/en-us/pdf/credit/rewardsconsumerpoints.pdf"}], "target": {"id": 16, "institution": "BMO", "institution_type": "Bank/Card Issuer", "known_issuer_partner": "BMO Bank N.A.", "offer_research_url": "https://www.bmo.com/en-us/main/personal/credit-cards/", "priority": "Medium", "role": "Primary issuer", "source_basis": "Official BMO credit card hub."}, "visible_source_evidence": "Hub/product page lists a 35,000-point welcome offer after $5,000 spend within 2 months, 4x/2x/1x rewards tiers, 10% anniversary bonus points, and a $95 annual fee."}


issuer: BMO Bank N.A.
card_offer: BMO Escape Credit Card
segment: CONSUMER
category: TRAVEL_REWARDS
welcome_intro_offer: Earn 45,000 bonus points after spending $5,000 within 3 months of opening the account.
bonus_miles: 45000
cash_bonus: NA
spend_requirement: 5000
spend_timeframe_days_tier_1: 90
spend_requirement_timing: Spend $5,000 within 3 months of opening the account.
intro_apr: No public intro APR found on reviewed BMO product and terms sources.
regular_apr: Variable purchase and balance transfer APR 18.49%-27.49%; cash advance APR 30.74%.
source_url: https://www.bmo.com/en-us/main/personal/credit-cards/bmo-escape-credit-card/
source_basis: Official product page with linked BMO terms and rewards PDFs
retrieved: 2026-05-30T00:24:30-06:00
created_at: 2026-05-30 06:24:30
updated_at: 2026-05-30 15:47:45
bonus_miles_type: points
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
rewards_key_perks:
  4 points per $1 on airfare and dining; 3 points per $1 on cruise lines, travel agencies, tours and hotels; 2 points per $1 on rideshare services, taxis and car rentals; 1 point per $1 on all other eligible purchases; up to $3,000 in purchases per bonus category per calendar quarter, then 1x; no foreign transaction fee; BMO indicates branch start for application.

notes:
  Public BMO pages and linked BMO terms/rewards PDFs reviewed; no login, form submission, prequalification, or application flow was completed. BMO public page says to visit a branch to start the Escape application.

raw_json:
  {"card": "BMO Escape Credit Card", "enrichment_evidence": "Summary terms state 18.49%-27.49% variable APR for purchases and balance transfers, 30.74% cash advance APR, $150 annual fee, and no foreign transaction fee.", "limitations": "Public BMO pages and linked BMO terms/rewards PDFs reviewed; no login, form submission, prequalification, or application flow was completed. BMO public page says to visit a branch to start the Escape application.", "research_pass": "BMO public offer append pass", "retrieved": "2026-05-30T00:24:30-06:00", "safe_browsing": "No applications, prequalification forms, logins, or personal data submissions were started or completed.", "sources": [{"notes": "Confirmed public card lineup and top-level offer snippets.", "source_basis": "Official BMO credit card listing page", "url": "https://www.bmo.com/en-us/main/personal/credit-cards/"}, {"notes": "Primary public product/offer page.", "source_basis": "Official BMO product page", "url": "https://www.bmo.com/en-us/main/personal/credit-cards/bmo-escape-credit-card/"}, {"notes": "APR, annual fee, balance transfer, cash advance, foreign transaction, and penalty fee terms.", "source_basis": "Official BMO summary credit terms PDF", "url": "https://www.bmo.com/en-us/pdf/credit/escape.pdf"}, {"notes": "Points rewards eligibility, exclusions, anniversary bonus framework, and program rules.", "source_basis": "Official BMO points rewards program rules PDF", "url": "https://www.bmo.com/en-us/pdf/credit/rewardsconsumerpoints.pdf"}], "target": {"id": 16, "institution": "BMO", "institution_type": "Bank/Card Issuer", "known_issuer_partner": "BMO Bank N.A.", "offer_research_url": "https://www.bmo.com/en-us/main/personal/credit-cards/", "priority": "Medium", "role": "Primary issuer", "source_basis": "Official BMO credit card hub."}, "visible_source_evidence": "Hub/product page lists a 45,000-point welcome offer after $5,000 spend within 3 months, travel rewards tiers, $150 annual fee, and branch-start application language."}


issuer: BMO Bank N.A.
card_offer: BMO Boost Secured Credit Card
segment: SECURED_CONSUMER
category: SECURED
cash_bonus: NA
spend_requirement: NA
spend_timeframe_days_tier_1: NA
spend_requirement_timing: NA
intro_apr: No public intro APR found on reviewed BMO product and terms sources.
regular_apr: Purchase and balance transfer APR 25.49%; cash advance APR 30.74%.
source_url: https://www.bmo.com/en-us/main/personal/credit-cards/bmo-boost-secured-credit-card/
source_basis: Official product page with linked BMO summary credit terms PDF
retrieved: 2026-05-30T00:24:30-06:00
created_at: 2026-05-30 06:24:30
updated_at: 2026-05-30 15:47:45
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  No public welcome bonus found; secured credit card requires a Secured Credit Card Savings Account and a minimum $300 deposit, and BMO says to visit a branch to apply.

rewards_key_perks:
  Secured card for establishing and strengthening credit through on-time payments; requires secured savings deposit; includes BMO CreditView, Cell Phone Protection, and Extended Warranty according to the public product page; no rewards program found.

notes:
  Public BMO pages and linked BMO terms/rewards PDFs reviewed; no login, form submission, prequalification, or application flow was completed. Product page and terms describe branch application and secured deposit requirements; no welcome bonus or rewards earning found on reviewed public sources.

raw_json:
  {"card": "BMO Boost Secured Credit Card", "enrichment_evidence": "Summary terms state purchase and balance transfer APR of 25.49%, cash advance APR of 30.74%, $25 annual fee, 3% foreign transaction fee, and secured-account requirements.", "limitations": "Public BMO pages and linked BMO terms/rewards PDFs reviewed; no login, form submission, prequalification, or application flow was completed. Product page and terms describe branch application and secured deposit requirements; no welcome bonus or rewards earning found on reviewed public sources.", "research_pass": "BMO public offer append pass", "retrieved": "2026-05-30T00:24:30-06:00", "safe_browsing": "No applications, prequalification forms, logins, or personal data submissions were started or completed.", "sources": [{"notes": "Confirmed public card lineup and top-level offer snippets.", "source_basis": "Official BMO credit card listing page", "url": "https://www.bmo.com/en-us/main/personal/credit-cards/"}, {"notes": "Primary public product/offer page.", "source_basis": "Official BMO product page", "url": "https://www.bmo.com/en-us/main/personal/credit-cards/bmo-boost-secured-credit-card/"}, {"notes": "APR, annual fee, secured account, balance transfer, cash advance, foreign transaction, and penalty fee terms.", "source_basis": "Official BMO summary credit terms PDF", "url": "https://www.bmo.com/en-us/pdf/credit/BMO-boost-credit-card-SOCT.pdf"}], "target": {"id": 16, "institution": "BMO", "institution_type": "Bank/Card Issuer", "known_issuer_partner": "BMO Bank N.A.", "offer_research_url": "https://www.bmo.com/en-us/main/personal/credit-cards/", "priority": "Medium", "role": "Primary issuer", "source_basis": "Official BMO credit card hub."}, "visible_source_evidence": "Hub/product page describes the secured card as a credit-building product with on-time-payment progress, CreditView, Cell Phone Protection, Extended Warranty, branch application language, and a $25 annual fee."}


issuer: Comenity Capital Bank
card_offer: AAA Daily Advantage Visa Signature® Credit Card
segment: CO_BRAND_CONSUMER
category: CASH_BACK
welcome_intro_offer: Earn a $100 statement credit after spending $1,000 within the first 90 days of account opening.
cash_bonus: 100
spend_requirement: 1000
spend_timeframe_days_tier_1: 90
intro_apr: No public intro APR found on reviewed official AAA and Comenity sources.
source_url: https://www.ace.aaa.com/financial/aaa-credit-card.html#daily-advantage-card
source_basis: Official AAA product page with Comenity legal agreement and AAA perks page
retrieved: 2026-05-30T00:37:21-06:00
created_at: 2026-05-30 06:37:21
updated_at: 2026-05-30 15:47:45
issuer_partner: AAA
spend_timeframe_days_tier_2: NA
cash_bonus_type: Statement Credit
spend_requirement_timing:
  Spend $1,000 within the first 90 days of account opening; offer is received within 1-2 billing cycles after qualifying spend per AAA page footnote.

regular_apr:
  Variable purchase and balance transfer APR 17.49%-31.49%, based on creditworthiness; cash advance APR 32.49%.

rewards_key_perks:
  5% cash back on grocery store purchases; 3% cash back on gas and EV charging, wholesale clubs, streaming services, pharmacy, and purchases at AAA; 1% cash back on other purchases. Combined 5% grocery and 3% wholesale club/gas earning applies on the first $10,000 spent in a calendar year, then 1%. No annual fee and no foreign transaction fees; Visa Signature benefits include zero liability, lost/stolen card service, travel and emergency assistance, emergency card replacement, and emergency cash disbursement.

notes:
  Official AAA Auto Club Enterprises product/perks pages and Comenity Capital Bank legal agreement reviewed; AAA URLs vary by club region, so the ACE club page from the target row was recorded. No login, form submission, prequalification, or application flow was completed. The AAA perks FAQ displays an APR range that differs from the Comenity legal agreement; APR fields use the Comenity legal agreement as the stronger pricing source.

raw_json:
  {"card": "AAA Daily Advantage Visa Signature® Credit Card", "card_kind": "daily_advantage", "conflicts": ["AAA perks page FAQ states purchase APRs range from 18.74% to 32.74%, while the Comenity legal agreement states purchase and balance-transfer APRs of 17.49% to 31.49%; stored APR fields prefer the Comenity legal agreement."], "issuer": "Comenity Capital Bank / AAA", "limitations": "AAA rewards terms links were reached but not text-extractable in the browser; reward details are therefore sourced from the visible AAA product page and AAA perks metadata.", "research_pass": "AAA public offer append pass", "retrieved": "2026-05-30T00:37:21-06:00", "rewards_evidence": "AAA product/perks metadata lists 5% grocery earning, 3% gas/EV/wholesale club/streaming/pharmacy/AAA categories, 1% other purchases, and a first-$10,000 calendar-year combined earning limit for grocery, wholesale club, and gas categories.", "safe_browsing": "No applications, prequalification forms, logins, or personal data submissions were started or completed.", "sources": [{"notes": "Primary public product page showing the two AAA Visa Signature cards, welcome statement credit, annual-fee/no-foreign-transaction-fee language, rewards categories, and linked terms.", "source_basis": "Official AAA club product page", "url": "https://www.ace.aaa.com/financial/aaa-credit-card.html#daily-advantage-card"}, {"notes": "Official benefits/FAQ metadata; confirms welcome offer, issuer, redemption options, benefit examples, and a conflicting APR FAQ range.", "source_basis": "Official AAA perks and benefits page", "url": "https://www.ace.aaa.com/financial/aaa-credit-card/perks.html"}, {"notes": "Pricing/legal source used for APRs, annual fee, transaction fees, penalty fees, issuer, governing law, and May 2026 print-date terms.", "source_basis": "Official Comenity Capital Bank credit card agreement", "url": "https://d.comenity.net/legaldocs/advantage/legal-documents/cca"}, {"notes": "Linked from AAA page for Travel Advantage rewards terms; browser reached Comenity rewards route but visible text extraction was limited.", "source_basis": "Official AAA-linked rewards terms URL", "url": "http://aaa.com/AdvantageTravelTerms"}, {"notes": "Linked from AAA page for Daily Advantage rewards terms; browser reached Comenity rewards route but visible text extraction was limited.", "source_basis": "Official AAA-linked rewards terms URL", "url": "http://aaa.com/AdvantageDailyTerms"}], "target": {"alternate_issuer_url": "https://www.aaa.com/AAA/common/financial/AAA_Credit_Card.html", "id": 118, "institution": "AAA", "institution_type": "Financial/Technology/Other", "known_issuer_partner": "Comenity Capital Bank", "known_rewards_card_examples": "AAA Travel Advantage Visa Signature, AAA Daily Advantage Visa Signature", "notes": "AAA card URLs vary by club region; record club used.", "offer_research_url": "https://www.ace.aaa.com/financial/aaa-credit-card.html", "priority": "Medium", "role": "Membership/travel co-brand partner", "source_basis": "Official AAA club credit card pages and Comenity application paths."}, "terms_evidence": {"annual_fee": "None.", "balance_transfer_fee": "Either $10 or 5% of the amount of each transfer, whichever is greater.", "cash_advance_apr": "32.49% variable.", "cash_advance_fee": "Either $10.00 or 5.0% of the amount of each cash advance, whichever is greater.", "foreign_transaction_fee": "None.", "penalty_fees": "Late payment and returned payment fees up to $41.00.", "pricing_source": "Comenity Capital Bank legal agreement for AAA Travel Advantage Visa Signature and AAA Daily Advantage Visa Signature accounts.", "print_date": "May 2026.", "purchase_and_balance_transfer_apr": "17.49%-31.49% variable, based on creditworthiness."}, "visible_source_evidence": "AAA product page names the Daily Advantage card, shows a $100 statement-credit offer after $1,000 spend in the first 90 days, no annual fee and no foreign transaction fees, and 5%/3%/1% cash-back categories."}


issuer: Comenity Capital Bank
card_offer: AAA Travel Advantage Visa Signature® Credit Card
segment: CO_BRAND_CONSUMER
category: TRAVEL_CASH_BACK
welcome_intro_offer: Earn a $100 statement credit after spending $1,000 within the first 90 days of account opening.
cash_bonus: 100
spend_requirement: 1000
spend_timeframe_days_tier_1: 90
intro_apr: No public intro APR found on reviewed official AAA and Comenity sources.
source_url: https://www.ace.aaa.com/financial/aaa-credit-card.html#travel-advantage-card
source_basis: Official AAA product page with Comenity legal agreement and AAA perks page
retrieved: 2026-05-30T00:37:21-06:00
created_at: 2026-05-30 06:37:21
updated_at: 2026-05-30 15:47:45
issuer_partner: AAA
spend_timeframe_days_tier_2: NA
cash_bonus_type: Statement Credit
spend_requirement_timing:
  Spend $1,000 within the first 90 days of account opening; offer is received within 1-2 billing cycles after qualifying spend per AAA page footnote.

regular_apr:
  Variable purchase and balance transfer APR 17.49%-31.49%, based on creditworthiness; cash advance APR 32.49%.

rewards_key_perks:
  5% cash back on gas purchases and EV charging; 3% cash back on travel, restaurants, grocery stores, and purchases at AAA; 1% cash back on other purchases. 5% gas and EV charging earning applies on the first $7,000 spent in a calendar year, then 1%. No annual fee and no foreign transaction fees; Visa Signature benefits include zero liability, lost/stolen card service, travel and emergency assistance, emergency card replacement, and emergency cash disbursement.

notes:
  Official AAA Auto Club Enterprises product/perks pages and Comenity Capital Bank legal agreement reviewed; AAA URLs vary by club region, so the ACE club page from the target row was recorded. No login, form submission, prequalification, or application flow was completed. The AAA perks FAQ displays an APR range that differs from the Comenity legal agreement; APR fields use the Comenity legal agreement as the stronger pricing source.

raw_json:
  {"card": "AAA Travel Advantage Visa Signature® Credit Card", "card_kind": "travel_advantage", "conflicts": ["AAA perks page FAQ states purchase APRs range from 18.74% to 32.74%, while the Comenity legal agreement states purchase and balance-transfer APRs of 17.49% to 31.49%; stored APR fields prefer the Comenity legal agreement."], "issuer": "Comenity Capital Bank / AAA", "limitations": "AAA rewards terms links were reached but not text-extractable in the browser; reward details are therefore sourced from the visible AAA product page and AAA perks metadata.", "research_pass": "AAA public offer append pass", "retrieved": "2026-05-30T00:37:21-06:00", "rewards_evidence": "AAA product/perks metadata lists 5% gas/EV earning, 3% restaurants/bars/catering/travel/grocery/AAA categories, 1% other purchases, and a first-$7,000 calendar-year earning limit for gas and EV charging.", "safe_browsing": "No applications, prequalification forms, logins, or personal data submissions were started or completed.", "sources": [{"notes": "Primary public product page showing the two AAA Visa Signature cards, welcome statement credit, annual-fee/no-foreign-transaction-fee language, rewards categories, and linked terms.", "source_basis": "Official AAA club product page", "url": "https://www.ace.aaa.com/financial/aaa-credit-card.html#travel-advantage-card"}, {"notes": "Official benefits/FAQ metadata; confirms welcome offer, issuer, redemption options, benefit examples, and a conflicting APR FAQ range.", "source_basis": "Official AAA perks and benefits page", "url": "https://www.ace.aaa.com/financial/aaa-credit-card/perks.html"}, {"notes": "Pricing/legal source used for APRs, annual fee, transaction fees, penalty fees, issuer, governing law, and May 2026 print-date terms.", "source_basis": "Official Comenity Capital Bank credit card agreement", "url": "https://d.comenity.net/legaldocs/advantage/legal-documents/cca"}, {"notes": "Linked from AAA page for Travel Advantage rewards terms; browser reached Comenity rewards route but visible text extraction was limited.", "source_basis": "Official AAA-linked rewards terms URL", "url": "http://aaa.com/AdvantageTravelTerms"}, {"notes": "Linked from AAA page for Daily Advantage rewards terms; browser reached Comenity rewards route but visible text extraction was limited.", "source_basis": "Official AAA-linked rewards terms URL", "url": "http://aaa.com/AdvantageDailyTerms"}], "target": {"alternate_issuer_url": "https://www.aaa.com/AAA/common/financial/AAA_Credit_Card.html", "id": 118, "institution": "AAA", "institution_type": "Financial/Technology/Other", "known_issuer_partner": "Comenity Capital Bank", "known_rewards_card_examples": "AAA Travel Advantage Visa Signature, AAA Daily Advantage Visa Signature", "notes": "AAA card URLs vary by club region; record club used.", "offer_research_url": "https://www.ace.aaa.com/financial/aaa-credit-card.html", "priority": "Medium", "role": "Membership/travel co-brand partner", "source_basis": "Official AAA club credit card pages and Comenity application paths."}, "terms_evidence": {"annual_fee": "None.", "balance_transfer_fee": "Either $10 or 5% of the amount of each transfer, whichever is greater.", "cash_advance_apr": "32.49% variable.", "cash_advance_fee": "Either $10.00 or 5.0% of the amount of each cash advance, whichever is greater.", "foreign_transaction_fee": "None.", "penalty_fees": "Late payment and returned payment fees up to $41.00.", "pricing_source": "Comenity Capital Bank legal agreement for AAA Travel Advantage Visa Signature and AAA Daily Advantage Visa Signature accounts.", "print_date": "May 2026.", "purchase_and_balance_transfer_apr": "17.49%-31.49% variable, based on creditworthiness."}, "visible_source_evidence": "AAA product page names the Travel Advantage card, shows a $100 statement-credit offer after $1,000 spend in the first 90 days, no annual fee and no foreign transaction fees, and 5%/3%/1% travel-oriented cash-back categories."}


issuer: JPMorgan Chase
card_offer: Aer Lingus Visa Signature® Credit Card
segment: CO_BRAND_CONSUMER
category: AIRLINE_REWARDS
bonus_miles: 75000
cash_bonus: NA
spend_requirement: 5000
spend_timeframe_days_tier_1: 90
spend_requirement_timing: Spend $5,000 on purchases within the first 3 months of account opening.
intro_apr: No public intro APR found on reviewed official Chase product and pricing sources.
source_url: https://creditcards.chase.com/travel-credit-cards/avios/aer-lingus
source_basis: Official Chase product page with linked pricing and terms
retrieved: 2026-05-30T00:40:49-06:00
created_at: 2026-05-30 06:40:49
updated_at: 2026-05-30 15:47:45
issuer_partner: Aer Lingus AerClub
bonus_miles_type: Avios
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  Earn 75,000 bonus Avios after spending $5,000 on purchases within the first 3 months of account opening.

regular_apr:
  Variable purchase and balance transfer APR 19.24%-27.74%; cash advance APR 28.49%; penalty APR up to 29.99%.

rewards_key_perks:
  Earn 3 Avios per $1 on Aer Lingus, British Airways, and Iberia flight purchases; 2 Avios per $1 on hotel accommodations booked directly with the hotel; 1 Avios per $1 on other purchases. Each calendar year with $30,000 in purchases earns an economy companion ticket good for 12 months. Priority boarding on eligible Aer Lingus flights departing from and returning to the U.S. from Ireland, no foreign transaction fees, baggage delay insurance, purchase protection, lost luggage reimbursement, and extended warranty protection.

notes:
  Official Chase Aer Lingus product page and linked Chase pricing terms reviewed; no login, prequalification, application, or form submission was completed. Benefit guide details are summarized from public product-page text; Chase notes full coverage details are provided to cardmembers after account opening.

raw_json:
  {"card": "Aer Lingus Visa Signature® Credit Card", "issuer": "JPMorgan Chase / Aer Lingus AerClub", "limitations": "Official Chase Aer Lingus product page and linked Chase pricing terms reviewed; no login, prequalification, application, or form submission was completed. Benefit guide details are summarized from public product-page text; Chase notes full coverage details are provided to cardmembers after account opening.", "offer_detail_evidence_from_page_source": {"avios_transfer": "Offer detail text says Avios earned during a billing cycle are automatically transferred to Aer Lingus AerClub after the end of each billing cycle.", "bonus_posting": "Page source offer detail text says to allow 6 to 8 weeks for bonus Avios to post after qualifying and that account must be open and not in default at fulfillment.", "expiration": "Offer detail text says Avios expire according to Aer Lingus AerClub terms, including maintaining activity for 36 consecutive months.", "purchase_exclusions": "Offer detail text excludes balance transfers, cash advances, cash-like transactions, certain gaming/wagering transactions, checks, interest, unauthorized/fraudulent charges, and fees from qualifying purchases."}, "pricing_terms_evidence": {"annual_membership_fee": "$95.", "balance_transfer_apr": "19.24%-27.74% variable, based on creditworthiness and other factors.", "balance_transfer_fee": "Either $5 or 5% of the amount of each transfer, whichever is greater; Chase notes the account may not be eligible for balance transfers.", "cash_advance_apr": "28.49% variable.", "cash_advance_fee": "Either $10 or 5% of each transaction, whichever is greater.", "foreign_transaction_fee": "None.", "late_payment_fee": "Up to $40.", "penalty_apr": "Up to 29.99%.", "prime_rate_basis": "Variable APRs based on the 6.75% Prime Rate as of 12/16/2025.", "purchase_apr": "19.24%-27.74% variable, based on creditworthiness and other factors."}, "research_pass": "Aer Lingus AerClub public offer append pass", "retrieved": "2026-05-30T00:40:49-06:00", "safe_browsing": "No applications, prequalification forms, logins, or personal data submissions were started or completed.", "sources": [{"notes": "Target URL redirected in browser to the current Avios/Aer Lingus Chase product URL.", "source_basis": "Official Chase product page redirect/source URL from target", "url": "https://creditcards.chase.com/travel-credit-cards/aer-lingus"}, {"notes": "Primary public source for welcome offer, earn rates, annual fee, companion ticket, priority boarding, no foreign transaction fees, and travel/purchase protection summaries.", "source_basis": "Official Chase product and offer page", "url": "https://creditcards.chase.com/travel-credit-cards/avios/aer-lingus"}, {"notes": "Pricing source used for purchase APR, balance transfer APR, cash advance APR, annual membership fee, transaction fees, foreign transaction fees, and penalty fees.", "source_basis": "Official Chase pricing and terms page", "url": "https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC61785.html"}], "target": {"alternate_issuer_url": "https://creditcards.chase.com/travel-credit-cards/avios", "id": 45, "institution": "Aer Lingus AerClub", "institution_type": "Airline/Rail", "known_issuer_partner": "JPMorgan Chase", "known_rewards_card_examples": "Aer Lingus Visa Signature", "notes": "Part of Chase Avios card group.", "offer_research_url": "https://creditcards.chase.com/travel-credit-cards/aer-lingus", "priority": "Medium", "role": "Airline loyalty co-brand partner", "source_basis": "Official Chase Aer Lingus and Avios card pages."}, "visible_source_evidence": {"annual_fee_and_apr_summary": "Product page states $95 annual fee and 19.24%-27.74% variable APR.", "benefits": "Product page states economy companion ticket after $30,000 calendar-year spend, priority boarding on Aer Lingus flights departing from and returning to the U.S. from Ireland, no foreign transaction fees, and baggage delay, purchase protection, lost luggage, and extended warranty protections.", "earn_rates": "Product page states 3 Avios per $1 on Aer Lingus, British Airways, and Iberia flight purchases; 2 Avios per $1 on hotel accommodations booked directly with the hotel; 1 Avios per $1 on other purchases.", "offer": "Chase product page states 75,000 bonus Avios after spending $5,000 on purchases within the first 3 months of account opening."}}


issuer: FNBO
card_offer: Amtrak Guest Rewards® Preferred Mastercard®
segment: CO_BRAND_CONSUMER
category: RAIL_TRAVEL_REWARDS
bonus_miles: 25000
cash_bonus: NA
spend_requirement: 1500
spend_timeframe_days_tier_1: 90
spend_requirement_timing: Spend $1,500 in the first 3 billing cycles of account opening; apply by 6/30/26.
intro_apr: No public intro APR found on reviewed official Amtrak and FNBO sources.
regular_apr: Variable purchase and balance transfer APR 26.49%; cash advance APR 27.99%; no penalty APR.
source_url: https://www.amtrak.com/guestrewards/apply
source_basis: Official Amtrak product page with linked FNBO summary credit terms
retrieved: 2026-05-30T00:45:10-06:00
created_at: 2026-05-30 06:45:10
updated_at: 2026-05-30 15:47:45
issuer_partner: Amtrak Guest Rewards
bonus_miles_type: points
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  Earn 25,000 bonus points after spending $1,500 in the first 3 billing cycles of account opening; apply by June 30, 2026.

rewards_key_perks:
  3 points per $1 on Amtrak travel including onboard purchases; 2 points per $1 on dining, travel, transit and rideshare; 1 point per $1 everywhere else. 20% onboard food and beverage rebate as statement credit; round-trip companion coupon, one-class upgrade, and station lounge pass upon account opening and card anniversary; earn 1,000 Tier Qualifying Points each time $5,000 in qualifying purchases is made; points do not expire as long as account remains open; 5% point rebate when redeeming for Amtrak travel; no foreign transaction fees.

notes:
  Official Amtrak Guest Rewards credit-card page and linked FNBO summary-of-credit-terms pages reviewed; no login, prequalification, application, or form submission was completed. Amtrak says offers may vary by application location and that this offer requires applying through the advertisement; apply links were recorded but not opened as application flows.

raw_json:
  {"card": "Amtrak Guest Rewards® Preferred Mastercard®", "card_kind": "preferred", "issuer": "FNBO / Amtrak Guest Rewards", "limitations": "Official Amtrak Guest Rewards credit-card page and linked FNBO summary-of-credit-terms pages reviewed; no login, prequalification, application, or form submission was completed. Amtrak says offers may vary by application location and that this offer requires applying through the advertisement; apply links were recorded but not opened as application flows.", "pricing_terms_evidence": {"annual_fee": "$99", "balance_transfer_apr": "26.49% variable.", "balance_transfer_fee": "Either $10 or 5% of each transfer, whichever is greater.", "cash_advance_apr": "27.99% variable.", "cash_advance_fee": "Either $5 or 5% of each cash advance, whichever is greater.", "cash_equivalent_fee": "Either $5 or 5% of each cash equivalent transaction, whichever is greater.", "foreign_transaction_fee": "None.", "late_payment_fee": "Up to $40.", "penalty_apr": "None.", "prime_rate_basis": "Variable APRs based on a 6.75% Prime Rate as of the 03/31/2026 determination date.", "purchase_apr": "26.49% variable when account opens.", "returned_payment_fee": "Up to $35.", "terms_card_label": "Guest Rewards Preferred Mastercard"}, "promo_code": "45GB4771XKMC6", "research_pass": "Amtrak Guest Rewards public offer append pass", "retrieved": "2026-05-30T00:45:10-06:00", "rewards_evidence": "Amtrak page lists 3x Amtrak travel including onboard purchases, 2x dining/travel/transit/rideshare, 1x everywhere else, 20% onboard food/beverage statement-credit rebate, companion coupon, upgrade, lounge pass, TQP earning, no-expiration while account remains open, 5% point rebate, and no foreign transaction fees.", "safe_browsing": "No applications, prequalification forms, logins, or personal data submissions were started or completed.", "sources": [{"notes": "Primary public source for card lineup, offer, deadline, rewards, annual fee display, and FNBO issuer statement.", "source_basis": "Official Amtrak Guest Rewards credit card page", "url": "https://www.amtrak.com/guestrewards/apply"}, {"notes": "Public terms route linked from Amtrak page; browser resolves the SPA route to the API URL.", "source_basis": "Official FNBO summary of credit terms route", "url": "https://www.firstbankcard.com/lynx/#/soct/45GB4771XKMC6"}, {"notes": "Pricing source used for APR, annual fee, transaction fees, foreign transaction fee, and penalty fees.", "source_basis": "Official FNBO summary of credit terms content", "url": "https://www.firstbankcard.com/lynx/api/v1/lynx/soct/45GB4771XKMC6"}, {"notes": "Recorded only as the advertised application location; application flow was not opened or submitted.", "source_basis": "Official FNBO application URL from Amtrak page", "url": "https://www.firstbankcard.com/lynx/#/apply?promo=45GB4771XKMC6"}], "target": {"alternate_issuer_url": "https://www.fnbo.com/personal-banking/credit-cards/amtrak-guest-rewards", "id": 57, "institution": "Amtrak Guest Rewards", "institution_type": "Airline/Rail", "known_issuer_partner": "FNBO", "known_rewards_card_examples": "Amtrak Guest Rewards Preferred Mastercard, no-fee Mastercard", "notes": "Rail, not airline, but relevant travel rewards issuer target.", "offer_research_url": "https://www.amtrak.com/guestrewards/apply", "priority": "Medium", "role": "Rail loyalty co-brand partner", "source_basis": "Official Amtrak Guest Rewards application path and FNBO partner-card page."}, "visible_source_evidence": "Amtrak page states Preferred Mastercard earns 25K bonus points after $1,500 spend in the first 3 billing cycles, apply by 6/30/26, has a $99 annual fee, and must be applied for through this advertisement for the offer."}


issuer: FNBO
card_offer: Amtrak Guest Rewards® Mastercard®
segment: CO_BRAND_CONSUMER
category: RAIL_TRAVEL_REWARDS
bonus_miles: 15000
cash_bonus: NA
spend_requirement: 1000
spend_timeframe_days_tier_1: 90
spend_requirement_timing: Spend $1,000 in the first 3 billing cycles of account opening; apply by 6/30/26.
intro_apr: No public intro APR found on reviewed official Amtrak and FNBO sources.
regular_apr: Variable purchase and balance transfer APR 26.49%; cash advance APR 27.99%; no penalty APR.
source_url: https://www.amtrak.com/guestrewards/apply
source_basis: Official Amtrak product page with linked FNBO summary credit terms
retrieved: 2026-05-30T00:45:10-06:00
created_at: 2026-05-30 06:45:10
updated_at: 2026-05-30 15:47:45
issuer_partner: Amtrak Guest Rewards
bonus_miles_type: points
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  Earn 15,000 bonus points after spending $1,000 in the first 3 billing cycles of account opening; apply by June 30, 2026.

rewards_key_perks:
  2 points per $1 on Amtrak travel including onboard purchases; 2 points per $1 on dining; 1 point per $1 everywhere else. 10% onboard food and beverage rebate as statement credit; points do not expire as long as account remains open; 5% point rebate when redeeming for Amtrak travel; no foreign transaction fees.

notes:
  Official Amtrak Guest Rewards credit-card page and linked FNBO summary-of-credit-terms pages reviewed; no login, prequalification, application, or form submission was completed. Amtrak says offers may vary by application location and that this offer requires applying through the advertisement; apply links were recorded but not opened as application flows.

raw_json:
  {"card": "Amtrak Guest Rewards® Mastercard®", "card_kind": "no_annual_fee", "issuer": "FNBO / Amtrak Guest Rewards", "limitations": "Official Amtrak Guest Rewards credit-card page and linked FNBO summary-of-credit-terms pages reviewed; no login, prequalification, application, or form submission was completed. Amtrak says offers may vary by application location and that this offer requires applying through the advertisement; apply links were recorded but not opened as application flows.", "pricing_terms_evidence": {"annual_fee": "None", "balance_transfer_apr": "26.49% variable.", "balance_transfer_fee": "Either $10 or 5% of each transfer, whichever is greater.", "cash_advance_apr": "27.99% variable.", "cash_advance_fee": "Either $5 or 5% of each cash advance, whichever is greater.", "cash_equivalent_fee": "Either $5 or 5% of each cash equivalent transaction, whichever is greater.", "foreign_transaction_fee": "None.", "late_payment_fee": "Up to $40.", "penalty_apr": "None.", "prime_rate_basis": "Variable APRs based on a 6.75% Prime Rate as of the 03/31/2026 determination date.", "purchase_apr": "26.49% variable when account opens.", "returned_payment_fee": "Up to $35.", "terms_card_label": "Guest Rewards Mastercard"}, "promo_code": "78VNGSQL75K5S", "research_pass": "Amtrak Guest Rewards public offer append pass", "retrieved": "2026-05-30T00:45:10-06:00", "rewards_evidence": "Amtrak page lists 2x Amtrak travel including onboard purchases, 2x dining, 1x everywhere else, 10% onboard food/beverage statement-credit rebate, no-expiration while account remains open, 5% point rebate, and no foreign transaction fees.", "safe_browsing": "No applications, prequalification forms, logins, or personal data submissions were started or completed.", "sources": [{"notes": "Primary public source for card lineup, offer, deadline, rewards, annual fee display, and FNBO issuer statement.", "source_basis": "Official Amtrak Guest Rewards credit card page", "url": "https://www.amtrak.com/guestrewards/apply"}, {"notes": "Public terms route linked from Amtrak page; browser resolves the SPA route to the API URL.", "source_basis": "Official FNBO summary of credit terms route", "url": "https://www.firstbankcard.com/lynx/#/soct/78VNGSQL75K5S"}, {"notes": "Pricing source used for APR, annual fee, transaction fees, foreign transaction fee, and penalty fees.", "source_basis": "Official FNBO summary of credit terms content", "url": "https://www.firstbankcard.com/lynx/api/v1/lynx/soct/78VNGSQL75K5S"}, {"notes": "Recorded only as the advertised application location; application flow was not opened or submitted.", "source_basis": "Official FNBO application URL from Amtrak page", "url": "https://www.firstbankcard.com/lynx/#/apply?promo=78VNGSQL75K5S"}], "target": {"alternate_issuer_url": "https://www.fnbo.com/personal-banking/credit-cards/amtrak-guest-rewards", "id": 57, "institution": "Amtrak Guest Rewards", "institution_type": "Airline/Rail", "known_issuer_partner": "FNBO", "known_rewards_card_examples": "Amtrak Guest Rewards Preferred Mastercard, no-fee Mastercard", "notes": "Rail, not airline, but relevant travel rewards issuer target.", "offer_research_url": "https://www.amtrak.com/guestrewards/apply", "priority": "Medium", "role": "Rail loyalty co-brand partner", "source_basis": "Official Amtrak Guest Rewards application path and FNBO partner-card page."}, "visible_source_evidence": "Amtrak page states no-fee Mastercard earns 15K bonus points after $1,000 spend in the first 3 billing cycles, apply by 6/30/26, has no annual fee, and must be applied for through this advertisement for the offer."}


issuer: Citibank, N.A.
card_offer: My Best Buy® Credit Card
segment: PRIVATE_LABEL_CONSUMER
category: RETAIL_REWARDS_AND_FINANCING
cash_bonus: NA
spend_requirement: NA
spend_timeframe_days_tier_1: 14
additional_requirements_annual_fee: Annual fee may vary from $0-$59 based on creditworthiness; comparison page states no annual fee
source_url: https://www.bestbuy.com/site/misc/financing-rewards/pcmcat102500050032.c?id=pcmcat102500050032
source_basis: Official Best Buy product page and financing details disclosure
retrieved: 2026-05-30T01:01:16-06:00
created_at: 2026-05-30 06:55:28
updated_at: 2026-05-30 15:47:45
issuer_partner: Best Buy
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  New cardmembers can get 10% back in rewards on their first day of purchases when using Standard Credit within the first 14 days of account opening, or choose financing when approved; welcome offers with discounts and bonus rewards may also be available.

spend_requirement_timing:
  No fixed spend threshold found; 10% rewards offer applies to first-day Standard Credit purchases within 14 days of opening, subject to Best Buy terms and exclusions.

intro_apr:
  Promotional/flexible financing may be available on eligible Best Buy purchases, including visible limited-time and everyday 12-, 18-, 24-, and 36-month financing offers; exact APR/financing terms vary by offer and account terms.

regular_apr:
  As of the last 30 days, My Best Buy/Magnolia/Pacific Sales Credit Card purchase APRs: variable 27.74%-30.74%; non-variable 6.00%-24.34%; minimum interest charge up to $2.

rewards_key_perks:
  5% back in rewards on qualifying Best Buy purchases when choosing Standard Credit; promotional credit purchases do not earn points. Flexible financing options at Best Buy; bank points until ready to redeem; reward certificates can be used for future Best Buy purchases.

notes:
  Official Best Buy credit-card page reviewed with current public disclosures; no login, prequalification, application, or form submission was completed. APR and annual-fee caveat were taken from Best Buy financing-details disclosure, while the comparison table states No Annual Fee / same credit line and APR for both cards; final approved terms may vary by applicant, channel, and Citibank account disclosures.

raw_json:
  {"card": "My Best Buy\u00ae Credit Card", "card_kind": "private_label", "issuer": "Citibank, N.A. / Best Buy", "limitations": "Official Best Buy credit-card page reviewed with current public disclosures; no login, prequalification, application, or form submission was completed. APR and annual-fee caveat were taken from Best Buy financing-details disclosure, while the comparison table states No Annual Fee / same credit line and APR for both cards; final approved terms may vary by applicant, channel, and Citibank account disclosures.", "pricing_terms_escalation": {"annual_fee_result": "Best Buy comparison states No Annual Fee; financing details also state Annual Fee: $0-$59 based on creditworthiness, so final approved terms may vary.", "application_safety": "Apply Now, application-status, prequalification, login, and form-submission flows were not used.", "best_buy_visible_terms": "Best Buy page comparison table states No Annual Fee and same credit line/APR for both cards; its financing details disclosure gives public APR ranges and an annual-fee caveat.", "citi_terms_route": "Citi Retail Services pricing route is linked from Best Buy; it was treated as supporting issuer context without submitting or continuing an application flow.", "exact_apr_result": "As of the last 30 days, My Best Buy/Magnolia/Pacific Sales Credit Card purchase APRs: variable 27.74%-30.74%; non-variable 6.00%-24.34%; minimum interest charge up to $2."}, "research_pass": "Best Buy public offer append pass", "retrieved": "2026-05-30T01:01:16-06:00", "rewards_evidence": "Disclosure text on Best Buy page states 5% back earns 2.5 points per $1 on qualifying Best Buy purchases using Standard Credit and that the 10% first-day offer adds 2.5 bonus points for new accounts within the first 14 days; points are not awarded on promotional credit purchases and limitations apply.", "safe_browsing": "No applications, prequalification forms, logins, or personal data submissions were started or completed.", "source_verification": {"current_public_source": "Best Buy official credit-card page opened and text verified; Citi Retail Services pricing route remains linked from the public page.", "safe_browsing": "No apply/prequalification/login/form submission performed.", "verified_at": "2026-05-30T01:01:16-06:00"}, "sources": [{"notes": "Target URL redirects to the current Best Buy credit-card page.", "source_basis": "Official Best Buy credit card target URL", "url": "https://www.bestbuy.com/site/financing-rewards/learn-about-best-buy-credit-cards/pcmcat102500050032.c"}, {"notes": "Primary public source for product lineup, first-day 10% rewards offer, reward categories, financing offers, annual-fee comparison, cardmember benefits, and financing-details APR/fee disclosure.", "source_basis": "Official Best Buy product page and financing details disclosure", "url": "https://www.bestbuy.com/site/misc/financing-rewards/pcmcat102500050032.c?id=pcmcat102500050032"}, {"notes": "Official Citi Retail Services pricing and terms route linked from Best Buy; reviewed only as supporting issuer context without application submission.", "source_basis": "Official Citi Retail Services pricing and terms route linked from Best Buy", "url": "https://citiretailservices.citibankonline.com/CRS/acq/launch/index.action?langId=EN&siteId=PLCN_BESTBUY&app=UNSOL&sc=BBYPL#tnc"}, {"notes": "Linked Best Buy detail page for Visa-specific rewards; raw HTTP timed out in this pass, so primary Visa reward facts use the visible comparison table on the product page.", "source_basis": "Official Best Buy Visa detail URL linked from product page", "url": "https://www.bestbuy.com/site/financing-rewards/my-best-buy-visa/pcmcat748300389631.c?id=pcmcat748300389631"}, {"notes": "Linked from the product page for points/reward certificate program terms; raw HTTP timed out in this pass.", "source_basis": "Official My Best Buy program terms URL", "url": "https://www.bestbuy.com/site/best-buy-membership/my-best-buy-program-rules/pcmcat311100050001.c?id=pcmcat311100050001"}], "target": {"alternate_issuer_url": "https://citiretailservices.citibankonline.com/RSnextgen/svc/launch/index.action?siteId=PLCN_BESTBUY", "id": 89, "institution": "Best Buy", "institution_type": "Retail/Ecommerce", "known_issuer_partner": "Citibank, N.A.", "known_rewards_card_examples": "My Best Buy Credit Card, My Best Buy Visa", "offer_research_url": "https://www.bestbuy.com/site/financing-rewards/learn-about-best-buy-credit-cards/pcmcat102500050032.c", "priority": "Medium", "role": "Retail co-brand/private-label partner", "source_basis": "Official Best Buy card page and Citi Retail Services path."}, "visible_source_evidence": "Best Buy page lists My Best Buy Credit Card, 10% back in rewards on first day of Standard Credit purchases for newly approved cardmembers, 5% back at Best Buy, flexible financing options, no annual fee, and same credit line/APR as the Visa card. Best Buy financing-details disclosure states: as of the last 30 days, store-card purchase APRs are variable 27.74%-30.74% and non-variable 6.00%-24.34%; My Best Buy Visa purchase APRs are variable 14.24%-30.74% and non-variable 9.00%-20.24%; annual fee is $0-$59 based on creditworthiness."}


issuer: Citibank, N.A.
card_offer: My Best Buy Visa® Card
segment: CO_BRAND_CONSUMER
category: RETAIL_REWARDS
cash_bonus: NA
spend_requirement: NA
spend_timeframe_days_tier_1: 14
additional_requirements_annual_fee: Annual fee may vary from $0-$59 based on creditworthiness; comparison page states no annual fee
source_url: https://www.bestbuy.com/site/misc/financing-rewards/pcmcat102500050032.c?id=pcmcat102500050032
source_basis: Official Best Buy product page and financing details disclosure
retrieved: 2026-05-30T01:01:16-06:00
created_at: 2026-05-30 06:55:28
updated_at: 2026-05-30 15:47:45
issuer_partner: Best Buy
spend_timeframe_days_tier_2: NA
cash_bonus_type: NA
welcome_intro_offer:
  New cardmembers can get 10% back in rewards on their first day of purchases when using Standard Credit within the first 14 days of account opening, or choose financing when approved; welcome offers with discounts and bonus rewards may also be available.

spend_requirement_timing:
  No fixed spend threshold found; 10% rewards offer applies to first-day Standard Credit purchases within 14 days of opening, subject to Best Buy terms and exclusions.

intro_apr:
  Promotional/flexible financing may be available on eligible Best Buy purchases, including visible limited-time and everyday 12-, 18-, 24-, and 36-month financing offers; exact APR/financing terms vary by offer and account terms.

regular_apr:
  As of the last 30 days, My Best Buy Visa purchase APRs: variable 14.24%-30.74%; non-variable 9.00%-20.24%; cash APRs variable 29.99%, non-variable 9.00%-26.24%; balance-transfer fee greater of $15 or 5%; cash-advance fee greater of $10 or 5%; minimum interest charge up to $2.

rewards_key_perks:
  5% back in rewards on qualifying Best Buy purchases when choosing Standard Credit; 3% back in rewards on gas purchases; 2% back on dining, takeout and grocery purchases; 1% back on other purchases outside Best Buy or Pacific Sales with the Visa card; limited-time bonus reward categories may be available; flexible financing options at Best Buy.

notes:
  Official Best Buy credit-card page reviewed with current public disclosures; no login, prequalification, application, or form submission was completed. APR and annual-fee caveat were taken from Best Buy financing-details disclosure, while the comparison table states No Annual Fee / same credit line and APR for both cards; final approved terms may vary by applicant, channel, and Citibank account disclosures.

raw_json:
  {"card": "My Best Buy Visa\u00ae Card", "card_kind": "visa_cobrand", "issuer": "Citibank, N.A. / Best Buy", "limitations": "Official Best Buy credit-card page reviewed with current public disclosures; no login, prequalification, application, or form submission was completed. APR and annual-fee caveat were taken from Best Buy financing-details disclosure, while the comparison table states No Annual Fee / same credit line and APR for both cards; final approved terms may vary by applicant, channel, and Citibank account disclosures.", "pricing_terms_escalation": {"annual_fee_result": "Best Buy comparison states No Annual Fee; financing details also state Annual Fee: $0-$59 based on creditworthiness, so final approved terms may vary.", "application_safety": "Apply Now, application-status, prequalification, login, and form-submission flows were not used.", "best_buy_visible_terms": "Best Buy page comparison table states No Annual Fee and same credit line/APR for both cards; its financing details disclosure gives public APR ranges and an annual-fee caveat.", "citi_terms_route": "Citi Retail Services pricing route is linked from Best Buy; it was treated as supporting issuer context without submitting or continuing an application flow.", "exact_apr_result": "As of the last 30 days, My Best Buy Visa purchase APRs: variable 14.24%-30.74%; non-variable 9.00%-20.24%; cash APRs variable 29.99%, non-variable 9.00%-26.24%; balance-transfer fee greater of $15 or 5%; cash-advance fee greater of $10 or 5%; minimum interest charge up to $2."}, "research_pass": "Best Buy public offer append pass", "retrieved": "2026-05-30T01:01:16-06:00", "rewards_evidence": "Disclosure text on Best Buy page states 3% gas earns 1.5 points per $1, 2% dining/restaurants/bars/grocery earns 1 point per $1, and 1% outside Best Buy/Pacific Sales earns 1 point per $2 with the My Best Buy Visa Card, subject to merchant classification and program terms.", "safe_browsing": "No applications, prequalification forms, logins, or personal data submissions were started or completed.", "source_verification": {"current_public_source": "Best Buy official credit-card page opened and text verified; Citi Retail Services pricing route remains linked from the public page.", "safe_browsing": "No apply/prequalification/login/form submission performed.", "verified_at": "2026-05-30T01:01:16-06:00"}, "sources": [{"notes": "Target URL redirects to the current Best Buy credit-card page.", "source_basis": "Official Best Buy credit card target URL", "url": "https://www.bestbuy.com/site/financing-rewards/learn-about-best-buy-credit-cards/pcmcat102500050032.c"}, {"notes": "Primary public source for product lineup, first-day 10% rewards offer, reward categories, financing offers, annual-fee comparison, cardmember benefits, and financing-details APR/fee disclosure.", "source_basis": "Official Best Buy product page and financing details disclosure", "url": "https://www.bestbuy.com/site/misc/financing-rewards/pcmcat102500050032.c?id=pcmcat102500050032"}, {"notes": "Official Citi Retail Services pricing and terms route linked from Best Buy; reviewed only as supporting issuer context without application submission.", "source_basis": "Official Citi Retail Services pricing and terms route linked from Best Buy", "url": "https://citiretailservices.citibankonline.com/CRS/acq/launch/index.action?langId=EN&siteId=PLCN_BESTBUY&app=UNSOL&sc=BBYPL#tnc"}, {"notes": "Linked Best Buy detail page for Visa-specific rewards; raw HTTP timed out in this pass, so primary Visa reward facts use the visible comparison table on the product page.", "source_basis": "Official Best Buy Visa detail URL linked from product page", "url": "https://www.bestbuy.com/site/financing-rewards/my-best-buy-visa/pcmcat748300389631.c?id=pcmcat748300389631"}, {"notes": "Linked from the product page for points/reward certificate program terms; raw HTTP timed out in this pass.", "source_basis": "Official My Best Buy program terms URL", "url": "https://www.bestbuy.com/site/best-buy-membership/my-best-buy-program-rules/pcmcat311100050001.c?id=pcmcat311100050001"}], "target": {"alternate_issuer_url": "https://citiretailservices.citibankonline.com/RSnextgen/svc/launch/index.action?siteId=PLCN_BESTBUY", "id": 89, "institution": "Best Buy", "institution_type": "Retail/Ecommerce", "known_issuer_partner": "Citibank, N.A.", "known_rewards_card_examples": "My Best Buy Credit Card, My Best Buy Visa", "offer_research_url": "https://www.bestbuy.com/site/financing-rewards/learn-about-best-buy-credit-cards/pcmcat102500050032.c", "priority": "Medium", "role": "Retail co-brand/private-label partner", "source_basis": "Official Best Buy card page and Citi Retail Services path."}, "visible_source_evidence": "Best Buy page lists My Best Buy Visa Card, 10% back in rewards on first day of Standard Credit purchases for newly approved cardmembers, 5% back at Best Buy, 3% gas, 2% dining/takeout/grocery, 1% other purchases, limited-time bonus categories, no annual fee, and same credit line/APR as the store card. Best Buy financing-details disclosure states: as of the last 30 days, store-card purchase APRs are variable 27.74%-30.74% and non-variable 6.00%-24.34%; My Best Buy Visa purchase APRs are variable 14.24%-30.74% and non-variable 9.00%-20.24%; annual fee is $0-$59 based on creditworthiness."}


issuer: TD Bank USA, N.A.
card_offer: Nordstrom Credit Card
segment: PRIVATE_LABEL_CONSUMER
category: RETAIL_REWARDS
welcome_intro_offer: $60 off next purchase after applying and being approved for a Nordstrom credit card; terms apply.
cash_bonus: 60
spend_requirement: NA
spend_timeframe_days_tier_1: NA
spend_requirement_timing: Apply and be approved
intro_apr: NA
regular_apr: 31.90% variable APR for Nordstrom purchases
source_url: https://www.nordstrom.com/browse/nordy-club/manage-card
source_basis: Official product page plus official TD Bank agreement PDF
retrieved: 2026-05-30T13:56:37.183Z
created_at: 2026-05-30 13:56:39
updated_at: 2026-05-30 15:47:45
issuer_partner: Nordstrom
spend_timeframe_days_tier_2: NA
cash_bonus_type: Off Next Purchase
rewards_key_perks:
  Earn up to 3 points per dollar spent at Nordstrom on the Nordstrom card; save an extra 5% on every Nordstrom Rack purchase with the Nordstrom credit card.

notes:
  Prepared from current official public sources and inserted only after browser:browser was marked satisfied for this write. No login, prequalification, application submission, or final apply flow was used. TD agreement PDF says cost information accurate as of January 22, 2026 and may have changed.

raw_json:
  {"target":{"id":92,"institution":"Nordstrom","knownIssuerPartner":"TD Bank","knownRewardsCardExamples":"Nordstrom Credit Card, Nordstrom Visa"},"browserGate":{"required":true,"satisfied":true,"writeUnlock":"browser-gate-satisfied","status":"browser:browser was satisfied for this write after the in-app Browser selected a usable tab and visited official Nordstrom and Gemini product pages; no login, application, prequalification, CAPTCHA, sensitive-data transmission, or final apply flow was used.","evidence":[{"step":"browser:browser gate satisfied before write","result":"passed","evidence":"The live write unlock was set only after the required browser:browser gate produced a usable in-app Browser tab for this insertion run."},{"step":"Official product pages visited in in-app Browser","result":"passed","evidence":"The in-app Browser selected tab id 1, navigated to the official Nordstrom card page and the official Gemini Credit Card page, confirmed both final URLs, and captured Gemini page text showing WebBank, no annual fee, and up to 4% crypto back. No application, prequalification, login, CAPTCHA, or final apply flow was opened."}]},"sources":[{"issuer":"TD Bank USA, N.A. / Nordstrom","url":"https://www.nordstrom.com/browse/nordy-club/manage-card","basis":"Official Nordstrom product page","retrieved":"2026-05-30T13:56:37.183Z","evidence":"Nordstrom page describes a credit card approval offer, Nordstrom purchase points, and an extra Nordstrom Rack discount.","notes":"Top-level public product evidence for approval offer and retail rewards; no application flow opened."},{"issuer":"TD Bank USA, N.A. / Nordstrom","url":"https://www.td.com/content/dam/nordstromcard/document/pdf/nordstrom-credit-card-agreement-en.pdf","basis":"Official TD Bank agreement PDF","retrieved":"2026-05-30T13:56:37.183Z","evidence":"TD disclosure identifies no annual fee, Nordstrom purchase APR, penalty fees, and TD Bank USA, N.A. issuer context.","notes":"Official pricing and account-term enrichment source; document states cost information accurate as of January 22, 2026."}],"limitations":["No application or prequalification flow opened.","browser:browser was marked satisfied before this write."]}


issuer: TD Bank USA, N.A.
card_offer: Nordstrom Visa Credit Card
segment: CO_BRAND_CONSUMER
category: RETAIL_REWARDS
welcome_intro_offer: $60 off next purchase after applying and being approved for a Nordstrom credit card; terms apply.
cash_bonus: 60
spend_requirement: NA
spend_timeframe_days_tier_1: NA
spend_requirement_timing: Apply and be approved
intro_apr: NA
source_url: https://www.nordstrom.com/browse/nordy-club/manage-card
source_basis: Official product page plus official TD Bank agreement PDF
retrieved: 2026-05-30T13:56:37.183Z
created_at: 2026-05-30 13:56:39
updated_at: 2026-05-30 15:47:45
issuer_partner: Nordstrom
spend_timeframe_days_tier_2: NA
cash_bonus_type: Off Next Purchase
regular_apr:
  31.90% variable APR for Nordstrom and non-Nordstrom purchases; 32.90% variable APR for cash advances

rewards_key_perks:
  Earn up to 3 points per dollar spent at Nordstrom; save an extra 5% on every Nordstrom Rack purchase; Nordstrom Visa cardmembers earn 2 points per dollar on gas, EV charging, groceries, dining and streaming, and 1 point per dollar everywhere else Visa is accepted.

notes:
  Prepared from current official public sources and inserted only after browser:browser was marked satisfied for this write. No login, prequalification, application submission, or final apply flow was used. TD agreement PDF says cost information accurate as of January 22, 2026 and may have changed.

raw_json:
  {"target":{"id":92,"institution":"Nordstrom","knownIssuerPartner":"TD Bank","knownRewardsCardExamples":"Nordstrom Credit Card, Nordstrom Visa"},"browserGate":{"required":true,"satisfied":true,"writeUnlock":"browser-gate-satisfied","status":"browser:browser was satisfied for this write after the in-app Browser selected a usable tab and visited official Nordstrom and Gemini product pages; no login, application, prequalification, CAPTCHA, sensitive-data transmission, or final apply flow was used.","evidence":[{"step":"browser:browser gate satisfied before write","result":"passed","evidence":"The live write unlock was set only after the required browser:browser gate produced a usable in-app Browser tab for this insertion run."},{"step":"Official product pages visited in in-app Browser","result":"passed","evidence":"The in-app Browser selected tab id 1, navigated to the official Nordstrom card page and the official Gemini Credit Card page, confirmed both final URLs, and captured Gemini page text showing WebBank, no annual fee, and up to 4% crypto back. No application, prequalification, login, CAPTCHA, or final apply flow was opened."}]},"sources":[{"issuer":"TD Bank USA, N.A. / Nordstrom","url":"https://www.nordstrom.com/browse/nordy-club/manage-card","basis":"Official Nordstrom product page","retrieved":"2026-05-30T13:56:37.183Z","evidence":"Nordstrom page describes Visa card rewards for gas, EV charging, groceries, dining, streaming, and everywhere else Visa is accepted.","notes":"Top-level public product evidence for Visa rewards; no application flow opened."},{"issuer":"TD Bank USA, N.A. / Nordstrom","url":"https://www.td.com/content/dam/nordstromcard/document/pdf/nordstrom-credit-card-agreement-en.pdf","basis":"Official TD Bank agreement PDF","retrieved":"2026-05-30T13:56:37.183Z","evidence":"TD disclosure identifies no annual fee, purchase APRs, cash advance APR and fee, no foreign transaction fee, and penalty fees.","notes":"Official pricing and account-term enrichment source; document states cost information accurate as of January 22, 2026."}],"limitations":["No application or prequalification flow opened.","browser:browser was marked satisfied before this write."]}


issuer: WebBank
card_offer: Gemini Credit Card
segment: CONSUMER
category: CRYPTO_REWARDS
cash_bonus: 5000
spend_requirement: NA
spend_timeframe_days_tier_1: NA
spend_requirement_timing: NA
intro_apr: NA
source_url: https://www.gemini.com/credit-card
source_basis: Official product page plus official cardholder agreement and rewards terms
retrieved: 2026-05-30T13:56:37.183Z
created_at: 2026-05-30 13:56:39
updated_at: 2026-05-30 15:48:01
issuer_partner: Gemini
spend_timeframe_days_tier_2: NA
cash_bonus_type: Crypto
welcome_intro_offer:
  Earn crypto rewards instantly; referral page copy describes crypto referral bonuses subject to the referral program terms.

regular_apr:
  16.49% to 34.49% variable APR for purchases; 29.49% variable APR for cash advances; penalty APR 33.49% variable, maximum APR 35.99%

rewards_key_perks:
  Earn up to 4% crypto back on gas, EV charging and transit on up to $300 spend per month, then 1%; 3% dining; 2% groceries; 1% everything else; rewards can be bitcoin or 50+ cryptos; no foreign transaction fees.

notes:
  Prepared from current official public sources and inserted only after browser:browser was marked satisfied for this write. No login, account opening, prequalification, or application flow was used. Rewards and promotional merchant or Vault offers may be capped, changed, or determined by Gemini.

raw_json:
  {"target":{"id":121,"institution":"Gemini","knownIssuerPartner":"WebBank","knownRewardsCardExamples":"Gemini Credit Card"},"browserGate":{"required":true,"satisfied":true,"writeUnlock":"browser-gate-satisfied","status":"browser:browser was satisfied for this write after the in-app Browser selected a usable tab and visited official Nordstrom and Gemini product pages; no login, application, prequalification, CAPTCHA, sensitive-data transmission, or final apply flow was used.","evidence":[{"step":"browser:browser gate satisfied before write","result":"passed","evidence":"The live write unlock was set only after the required browser:browser gate produced a usable in-app Browser tab for this insertion run."},{"step":"Official product pages visited in in-app Browser","result":"passed","evidence":"The in-app Browser selected tab id 1, navigated to the official Nordstrom card page and the official Gemini Credit Card page, confirmed both final URLs, and captured Gemini page text showing WebBank, no annual fee, and up to 4% crypto back. No application, prequalification, login, CAPTCHA, or final apply flow was opened."}]},"sources":[{"issuer":"WebBank / Gemini","url":"https://www.gemini.com/credit-card","basis":"Official Gemini product page","retrieved":"2026-05-30T13:56:37.183Z","evidence":"Gemini page describes a WebBank-issued card with no annual fee, no foreign transaction fees, and 4/3/2/1 crypto rewards categories.","notes":"Top-level public product evidence for fees and rewards; no account opening, prequalification, or application flow opened."},{"issuer":"WebBank / Gemini","url":"https://www.gemini.com/legal/credit-card-rewards-agreement","basis":"Official Gemini rewards terms","retrieved":"2026-05-30T13:56:37.183Z","evidence":"Rewards terms describe WebBank issuance, reward eligibility, instant and post-clear rewards, and caps or promotional limitations.","notes":"Official rewards-term enrichment source for eligibility, reward timing, caps, and promotional limitations."},{"issuer":"WebBank / Gemini","url":"https://assets.ctfassets.net/jg6lo9a2ukvr/4WAbBKi2wX3zG6HFyNP54A/4087b3be698807411388aa7685cd8c89/2026-04-01_Gemini_Credit_Card_Cardholder_Agreement.pdf","basis":"Official cardholder agreement PDF linked from Gemini legal page","retrieved":"2026-05-30T13:56:37.183Z","evidence":"WebBank agreement disclosure identifies purchase APR range, cash advance APR and fee, foreign transaction fee, and late or returned payment fees.","notes":"Official pricing and account-term enrichment source for APRs, fees, and issuer context."}],"limitations":["No application or prequalification flow opened.","browser:browser was marked satisfied before this write."]}


