cards_data.json

{
  "version": "2026.21",
  "cards": [
    {
      "id": "amex_platinum_personal",
      "name": "The Platinum Card\u00ae from American Express",
      "issuer": "American Express",
      "image_asset_name": "card_amex_plat",
      "annual_fee": 895,
      "benefits": [
        {
          "id": "amex_plat_hotel_credit",
          "name": "Prepaid Hotel Credit",
          "description": "Up to $300 back in statement credits each half-year on prepaid Fine Hotels + Resorts\u00ae or The Hotel Collection bookings ($600/year total).",
          "value_amount": 600.0,
          "currency_symbol": "$",
          "reset_frequency": "semi_annual",
          "reset_rule": "calendar_year",
          "category": "hotel",
          "sub_periods": [
            {
              "label": "H1 (Jan-Jun)",
              "value": 300,
              "end_date": "06-30"
            },
            {
              "label": "H2 (Jul-Dec)",
              "value": 300,
              "end_date": "12-31"
            }
          ],
          "is_enrollment_required": false,
          "notes": "Requires prepaid booking through Amex Travel. The Hotel Collection requires a 2-night minimum stay. Updated September 2025."
        },
        {
          "id": "amex_plat_airline_fee",
          "name": "Airline Fee Credit",
          "description": "Statement credits for incidental fees (baggage, seat selection) at one selected qualifying airline.",
          "value_amount": 200.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "airline",
          "is_enrollment_required": true,
          "notes": "Must select one airline each year in January."
        },
        {
          "id": "amex_plat_uber",
          "name": "Uber Cash",
          "description": "$15 in Uber Cash for rides or eats every month, plus a $20 bonus in December.",
          "value_amount": 200.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "transport",
          "sub_benefits": [
            {
              "month": "Jan",
              "value": 15
            },
            {
              "month": "Feb",
              "value": 15
            },
            {
              "month": "Mar",
              "value": 15
            },
            {
              "month": "Apr",
              "value": 15
            },
            {
              "month": "May",
              "value": 15
            },
            {
              "month": "Jun",
              "value": 15
            },
            {
              "month": "Jul",
              "value": 15
            },
            {
              "month": "Aug",
              "value": 15
            },
            {
              "month": "Sep",
              "value": 15
            },
            {
              "month": "Oct",
              "value": 15
            },
            {
              "month": "Nov",
              "value": 15
            },
            {
              "month": "Dec",
              "value": 35
            }
          ],
          "is_enrollment_required": true,
          "notes": "Credits expire at the end of each month. Does not roll over."
        },
        {
          "id": "amex_plat_uber_one",
          "name": "Uber One Membership Credit",
          "description": "Up to $120 in annual statement credits covering Uber One \u2014 works for either a monthly ($9.99/mo) or annual ($96/yr) membership.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "transport",
          "is_enrollment_required": true,
          "notes": "Separate from Uber Cash credit. Track against $120/year regardless of whether you pay monthly or annually."
        },
        {
          "id": "amex_plat_digital_ent",
          "name": "Digital Entertainment Credit",
          "description": "Up to $25 back each month on eligible subscriptions (Paramount+, YouTube Premium, YouTube TV, Disney+, Disney+ Bundle, Hulu, ESPN+, NYT, Peacock, WSJ).",
          "value_amount": 300.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "other",
          "monthly_cap": 25.0,
          "is_enrollment_required": true,
          "notes": "Updated September 2025: increased from $20/month and added Paramount+, YouTube Premium, YouTube TV."
        },
        {
          "id": "amex_plat_equinox",
          "name": "Equinox Credit",
          "description": "Up to $25 back per month ($300/year) on Equinox+ digital subscription or Equinox club membership fees.",
          "value_amount": 300.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "other",
          "monthly_cap": 25.0,
          "is_enrollment_required": true,
          "notes": "Enroll at platinum.equinox.com using your Amex account. Must pay with Platinum Card. Added September 2025."
        },
        {
          "id": "amex_plat_lululemon",
          "name": "lululemon Credit",
          "description": "Up to $75 back per quarter ($300/year) on purchases at U.S. lululemon retail stores (excl. outlets) or lululemon.com.",
          "value_amount": 300.0,
          "currency_symbol": "$",
          "reset_frequency": "quarterly",
          "reset_rule": "calendar_year",
          "category": "shopping",
          "sub_periods": [
            {
              "label": "Q1 (Jan-Mar)",
              "value": 75,
              "end_date": "03-31"
            },
            {
              "label": "Q2 (Apr-Jun)",
              "value": 75,
              "end_date": "06-30"
            },
            {
              "label": "Q3 (Jul-Sep)",
              "value": 75,
              "end_date": "09-30"
            },
            {
              "label": "Q4 (Oct-Dec)",
              "value": 75,
              "end_date": "12-31"
            }
          ],
          "is_enrollment_required": true,
          "notes": "Outlet locations and lululemon Like New do not qualify. Enrollment required. Added September 2025."
        },
        {
          "id": "amex_plat_oura_ring",
          "name": "Oura Ring Credit",
          "description": "Up to $200 back per calendar year on Oura Ring purchases at OURArings.com.",
          "value_amount": 200.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "shopping",
          "is_enrollment_required": true,
          "notes": "Purchase must be made directly at OURArings.com. Does not cover the optional membership. Added September 2025."
        },
        {
          "id": "amex_plat_walmart",
          "name": "Walmart+ Credit",
          "description": "Statement credit up to $12.95 per month covering the cost of a Walmart+ monthly membership.",
          "value_amount": 155.4,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "shopping",
          "monthly_cap": 12.95,
          "is_enrollment_required": true,
          "notes": "Must use monthly billing (not annual). Plus Ups not eligible. Enrollment required. Added September 2025."
        },
        {
          "id": "amex_plat_clear",
          "name": "CLEAR\u00ae Plus Credit",
          "description": "Cover the cost of a CLEAR Plus membership ($209/year as of 2026).",
          "value_amount": 209.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "other",
          "is_enrollment_required": true
        },
        {
          "id": "amex_plat_resy",
          "name": "Resy Credit",
          "description": "Up to $100 in statement credits each quarter ($400/year) for eligible Resy purchases at U.S. restaurants.",
          "value_amount": 400.0,
          "currency_symbol": "$",
          "reset_frequency": "quarterly",
          "reset_rule": "calendar_year",
          "category": "dining",
          "sub_periods": [
            {
              "label": "Q1 (Jan-Mar)",
              "value": 100,
              "end_date": "03-31"
            },
            {
              "label": "Q2 (Apr-Jun)",
              "value": 100,
              "end_date": "06-30"
            },
            {
              "label": "Q3 (Jul-Sep)",
              "value": 100,
              "end_date": "09-30"
            },
            {
              "label": "Q4 (Oct-Dec)",
              "value": 100,
              "end_date": "12-31"
            }
          ],
          "is_enrollment_required": true,
          "notes": "Updated September 2025: increased from $50 semi-annual ($100/year) to $100 quarterly ($400/year)."
        },
        {
          "id": "amex_plat_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $120 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        }
      ],
      "perks": [
        {
          "name": "Centurion Lounge Access",
          "description": "Complimentary access to The Centurion\u00ae Lounge network for the cardmember and up to 2 guests (or immediate family). Restrictions apply for non-Amex flight bookings.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Delta Sky Club Access",
          "description": "Access to Delta Sky Club lounges when flying same-day on a Delta-marketed/operated flight (subject to Delta's per-year visit limits).",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Priority Pass\u2122 Select",
          "description": "Complimentary Priority Pass Select membership with access to 1,400+ airport lounges worldwide. Enrollment required.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Marriott Bonvoy Gold Elite Status",
          "description": "Complimentary Gold Elite status with Marriott Bonvoy. Enrollment required.",
          "icon": "crown.fill"
        },
        {
          "name": "Hilton Honors Gold Status",
          "description": "Complimentary Gold status with Hilton Honors. Enrollment required.",
          "icon": "crown.fill"
        },
        {
          "name": "Premium Car Rental Status",
          "description": "Elite status with Hertz, Avis, and National car rental programs. Enrollment required.",
          "icon": "car.fill"
        },
        {
          "name": "Trip Cancellation & Interruption Insurance",
          "description": "Up to $10,000 per trip ($20,000 per 12-month period) reimbursement for prepaid, non-refundable travel charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        },
        {
          "name": "Platinum Concierge",
          "description": "24/7 access to a dedicated concierge for travel, dining, and entertainment requests.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Cell Phone Protection",
          "description": "Up to $800 per claim for damage or theft (max 2 claims per 12 months, $50 deductible). Activated by paying your monthly cell phone bill with the card.",
          "icon": "iphone"
        },
        {
          "name": "Purchase Protection",
          "description": "Reimbursement for items damaged, lost, or stolen within 90 days of purchase, up to $10,000 per incident and $50,000 per calendar year.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Return Protection",
          "description": "Up to $300 per item and $1,000 per calendar year when the merchant will not accept a return within 90 days of purchase.",
          "icon": "arrow.uturn.backward.circle.fill"
        },
        {
          "name": "Extended Warranty Protection",
          "description": "Adds up to one extra year to U.S. manufacturer warranties of 5 years or less. Up to $10,000 per item, $50,000 per calendar year.",
          "icon": "checkmark.shield.fill"
        },
        {
          "name": "Auto Rental Collision Damage Waiver (Secondary)",
          "description": "Secondary coverage up to $75,000 for theft and collision damage on rental cars when you decline the rental company's collision damage waiver and pay with the card.",
          "icon": "car.fill"
        },
        {
          "name": "Fine Hotels + Resorts Benefits",
          "description": "On every FHR booking via Amex Travel: complimentary daily breakfast for 2, room upgrade (when available), 4 PM guaranteed late checkout, noon early check-in (when available), free Wi-Fi, and a $100 property amenity (e.g., dining, spa, resort credit).",
          "icon": "bed.double.fill"
        },
        {
          "name": "The Hotel Collection Benefits",
          "description": "On 2+ night stays booked via Amex Travel: room upgrade (when available) and a $100 property amenity credit.",
          "icon": "bed.double.fill"
        },
        {
          "name": "Trip Delay Insurance",
          "description": "Reimbursement for reasonable expenses (meals, lodging, toiletries) when a covered trip is delayed more than 6 hours, up to $500 per covered trip.",
          "icon": "clock.badge.exclamationmark.fill"
        },
        {
          "name": "Baggage Insurance Plan",
          "description": "Coverage for lost, damaged, or stolen luggage when the full common-carrier fare is charged to the card: up to $2,000 for checked baggage and $3,000 combined for carry-on per covered person.",
          "icon": "suitcase.fill"
        },
        {
          "name": "Premium Global Assist Hotline",
          "description": "24/7 access to medical, legal, financial, and other emergency coordination assistance when traveling more than 100 miles from home.",
          "icon": "lifepreserver"
        },
        {
          "name": "Global Dining Access by Resy",
          "description": "Members-only reservations, exclusive culinary events, and curated dining experiences at top restaurants via Resy.",
          "icon": "fork.knife"
        }
      ]
    },
    {
      "id": "amex_gold_personal",
      "name": "American Express\u00ae Gold Card",
      "issuer": "American Express",
      "image_asset_name": "card_amex_gold",
      "annual_fee": 325,
      "benefits": [
        {
          "id": "amex_gold_uber",
          "name": "Uber Cash",
          "description": "$10 in Uber Cash each month for rides or Uber Eats.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "transport",
          "monthly_cap": 10.0,
          "is_enrollment_required": true,
          "notes": "Must add card to Uber account. Does not roll over."
        },
        {
          "id": "amex_gold_dining",
          "name": "Dining Credit",
          "description": "$10 monthly credit at Grubhub, Cheesecake Factory, Five Guys, Buffalo Wild Wings, and Wonder.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "dining",
          "monthly_cap": 10.0,
          "is_enrollment_required": true
        },
        {
          "id": "amex_gold_resy",
          "name": "Resy Credit",
          "description": "$50 per half-year at U.S. restaurants listed on Resy (Jan-Jun, Jul-Dec).",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "semi_annual",
          "reset_rule": "calendar_year",
          "category": "dining",
          "sub_periods": [
            {
              "label": "H1 (Jan-Jun)",
              "value": 50,
              "end_date": "06-30"
            },
            {
              "label": "H2 (Jul-Dec)",
              "value": 50,
              "end_date": "12-31"
            }
          ],
          "is_enrollment_required": true
        },
        {
          "id": "amex_gold_dunkin",
          "name": "Dunkin' Credit",
          "description": "$7 monthly credit at U.S. Dunkin' locations.",
          "value_amount": 84.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "dining",
          "monthly_cap": 7.0,
          "is_enrollment_required": true
        }
      ],
      "perks": [
        {
          "name": "Marriott Bonvoy Gold Elite Status",
          "description": "Complimentary Gold Elite status when you spend $30,000 on the card in a calendar year. Enrollment required.",
          "icon": "crown.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        },
        {
          "name": "Trip Delay Insurance",
          "description": "Up to $300 per covered trip when a trip is delayed more than 12 hours.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Baggage Insurance Plan",
          "description": "Coverage for lost, damaged, or stolen baggage during covered trips.",
          "icon": "shield.lefthalf.filled"
        }
      ]
    },
    {
      "id": "amex_green_personal",
      "name": "American Express\u00ae Green Card",
      "issuer": "American Express",
      "image_asset_name": "card_amex_green",
      "annual_fee": 150,
      "benefits": [
        {
          "id": "amex_green_clear",
          "name": "CLEAR\u00ae Plus Credit",
          "description": "Statement credit covering the cost of a CLEAR Plus membership.",
          "value_amount": 209.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "other",
          "is_enrollment_required": true,
          "notes": "LoungeBuddy credit was removed effective January 13, 2025 and was not replaced."
        }
      ],
      "perks": [
        {
          "name": "Trip Delay Insurance",
          "description": "Up to $300 per delayed trip (12+ hour delay) for food, lodging, or essentials, max 2 claims per 12-month period.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Trip Cancellation & Interruption Insurance",
          "description": "Reimbursement for prepaid, non-refundable travel charged to the card if your trip is cancelled or interrupted for a covered reason.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Baggage Insurance",
          "description": "Up to $1,250 carry-on / $500 checked baggage coverage for lost or damaged bags when traveling on a common carrier.",
          "icon": "bag.fill"
        },
        {
          "name": "Global Assist Hotline",
          "description": "24/7 medical, legal, and travel help when you're more than 100 miles from home.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against accidental damage or theft for up to 90 days.",
          "icon": "bag.fill"
        }
      ]
    },
    {
      "id": "amex_business_platinum",
      "name": "The Business Platinum Card\u00ae from American Express",
      "issuer": "American Express",
      "image_asset_name": "card_amex_biz_plat",
      "annual_fee": 895,
      "benefits": [
        {
          "id": "amex_biz_plat_airline_fee",
          "name": "Airline Fee Credit",
          "description": "Statement credits for incidental fees at one selected qualifying airline.",
          "value_amount": 200.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "airline",
          "is_enrollment_required": true,
          "notes": "Must select one airline. Covers baggage, seat selection, lounge passes."
        },
        {
          "id": "amex_biz_plat_dell",
          "name": "Dell Technologies Credit",
          "description": "Up to $150 in statement credits for Dell purchases each year.",
          "value_amount": 150.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "shopping",
          "is_enrollment_required": true,
          "notes": "Effective July 1, 2025. Additional $1,000 credit available after $5K Dell spend."
        },
        {
          "id": "amex_biz_plat_hotel",
          "name": "Hotel Credit (FHR/THC)",
          "description": "Up to $300 semi-annually on prepaid Fine Hotels + Resorts or The Hotel Collection bookings.",
          "value_amount": 600.0,
          "currency_symbol": "$",
          "reset_frequency": "semi_annual",
          "reset_rule": "calendar_year",
          "category": "hotel",
          "sub_periods": [
            {
              "label": "H1 (Jan-Jun)",
              "value": 300,
              "end_date": "06-30"
            },
            {
              "label": "H2 (Jul-Dec)",
              "value": 300,
              "end_date": "12-31"
            }
          ],
          "is_enrollment_required": false,
          "notes": "The Hotel Collection requires a 2-night minimum. Effective Sept 18, 2025."
        },
        {
          "id": "amex_biz_plat_hilton",
          "name": "Hilton Credit",
          "description": "$50 per quarter for purchases directly with Hilton.",
          "value_amount": 200.0,
          "currency_symbol": "$",
          "reset_frequency": "quarterly",
          "reset_rule": "calendar_year",
          "category": "hotel",
          "is_enrollment_required": true,
          "notes": "Requires Hilton for Business membership."
        },
        {
          "id": "amex_biz_plat_adobe",
          "name": "Adobe Credit",
          "description": "$250 credit after $600+ spend directly with Adobe.",
          "value_amount": 250.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "other",
          "is_enrollment_required": true,
          "notes": "Requires $600 minimum spend to trigger."
        },
        {
          "id": "amex_biz_plat_indeed",
          "name": "Indeed Credit",
          "description": "$90 per quarter for Indeed purchases.",
          "value_amount": 360.0,
          "currency_symbol": "$",
          "reset_frequency": "quarterly",
          "reset_rule": "calendar_year",
          "category": "other",
          "is_enrollment_required": true
        },
        {
          "id": "amex_biz_plat_wireless",
          "name": "Wireless Telephone Credit",
          "description": "$10 monthly statement credit for wireless telephone service purchases.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "other",
          "monthly_cap": 10.0,
          "is_enrollment_required": true,
          "notes": "Direct purchases with U.S. wireless provider."
        },
        {
          "id": "amex_biz_plat_clear",
          "name": "CLEAR\u00ae Plus Credit",
          "description": "Statement credit covering the cost of a CLEAR Plus membership.",
          "value_amount": 209.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "other",
          "is_enrollment_required": true
        },
        {
          "id": "amex_biz_plat_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $120 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        }
      ],
      "perks": [
        {
          "name": "Centurion Lounge Access",
          "description": "Complimentary access to The Centurion Lounge network. Guest access policy changes apply from July 2026 (1 guest, same flight).",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Delta Sky Club Access",
          "description": "Access to Delta Sky Club lounges when flying same-day Delta-marketed/operated.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Priority Pass Select",
          "description": "Complimentary Priority Pass Select with access to 1,400+ airport lounges worldwide. Enrollment required.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Marriott Bonvoy Gold Elite Status",
          "description": "Complimentary Gold Elite status with Marriott Bonvoy. Enrollment required.",
          "icon": "crown.fill"
        },
        {
          "name": "Hilton Honors Gold Status",
          "description": "Complimentary Gold status with Hilton Honors. Enrollment required.",
          "icon": "crown.fill"
        },
        {
          "name": "Premium Car Rental Status",
          "description": "Elite status with Hertz, Avis, and National car rental programs. Enrollment required.",
          "icon": "car.fill"
        },
        {
          "name": "Trip Cancellation & Interruption Insurance",
          "description": "Up to $10,000 per trip ($20,000 per 12-month period) reimbursement for prepaid, non-refundable travel charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        },
        {
          "name": "Business Platinum Concierge",
          "description": "24/7 concierge for travel, dining, and entertainment requests.",
          "icon": "phone.circle.fill"
        }
      ]
    },
    {
      "id": "amex_business_gold",
      "name": "American Express\u00ae Business Gold Card",
      "issuer": "American Express",
      "image_asset_name": "card_amex_biz_gold",
      "annual_fee": 375,
      "benefits": [
        {
          "id": "amex_biz_gold_flex_credit",
          "name": "Flexible Business Credit",
          "description": "$20 monthly credit at FedEx, Grubhub, and office supply stores.",
          "value_amount": 240.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "other",
          "monthly_cap": 20.0,
          "is_enrollment_required": true
        },
        {
          "id": "amex_biz_gold_walmart",
          "name": "Walmart+ Credit",
          "description": "$12.95 monthly credit for Walmart+ monthly membership.",
          "value_amount": 155.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "shopping",
          "monthly_cap": 12.95,
          "is_enrollment_required": true,
          "notes": "Must use monthly billing (not annual)."
        },
        {
          "id": "amex_biz_gold_squarespace",
          "name": "Squarespace Credit",
          "description": "Up to $150 per year for Squarespace purchases.",
          "value_amount": 150.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "other",
          "is_enrollment_required": true,
          "notes": "Added October 2025."
        }
      ],
      "perks": [
        {
          "name": "Cell Phone Protection",
          "description": "Up to $800 per claim (max 2/year, $50 deductible) for damage or theft when you pay your monthly cell bill with the card.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against accidental damage or theft for up to 90 days.",
          "icon": "bag.fill"
        },
        {
          "name": "Extended Warranty",
          "description": "Up to one extra year on eligible warranties of five years or less.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Trip Delay Insurance",
          "description": "Reimbursement for incidentals if your trip is delayed by more than 12 hours.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Baggage Insurance",
          "description": "Coverage for lost or damaged carry-on and checked baggage on a common carrier.",
          "icon": "bag.fill"
        },
        {
          "name": "Car Rental Loss & Damage Insurance",
          "description": "Secondary coverage on eligible rentals charged to the card; decline the rental company's CDW.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "amex_hilton_aspire",
      "name": "Hilton Honors American Express Aspire Card",
      "issuer": "American Express",
      "image_asset_name": "card_amex_hilton_aspire",
      "annual_fee": 550,
      "benefits": [
        {
          "id": "amex_hilton_aspire_resort",
          "name": "Hilton Resort Credit",
          "description": "$200 semi-annually for incidental charges at participating Hilton Resorts.",
          "value_amount": 400.0,
          "currency_symbol": "$",
          "reset_frequency": "semi_annual",
          "reset_rule": "calendar_year",
          "category": "hotel",
          "sub_periods": [
            {
              "label": "H1 (Jan-Jun)",
              "value": 200,
              "end_date": "06-30"
            },
            {
              "label": "H2 (Jul-Dec)",
              "value": 200,
              "end_date": "12-31"
            }
          ],
          "is_enrollment_required": false,
          "notes": "Charges must be on room folio and paid with Aspire card."
        },
        {
          "id": "amex_hilton_aspire_airline",
          "name": "Airline/Flight Credit",
          "description": "$50 per quarter for airfare purchases directly with airlines or through AmexTravel.com.",
          "value_amount": 200.0,
          "currency_symbol": "$",
          "reset_frequency": "quarterly",
          "reset_rule": "calendar_year",
          "category": "airline",
          "is_enrollment_required": false
        },
        {
          "id": "amex_hilton_aspire_clear",
          "name": "CLEAR\u00ae Plus Credit",
          "description": "Statement credit covering the cost of a CLEAR Plus membership.",
          "value_amount": 209.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "other",
          "is_enrollment_required": true
        },
        {
          "id": "amex_hilton_aspire_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $100 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        },
        {
          "id": "amex_hilton_aspire_free_night",
          "name": "Annual Free Night Reward",
          "description": "Receive one Hilton Honors Free Night Reward each year on your card anniversary, valid for a standard-room redemption at virtually any Hilton property. No weekend restriction.",
          "value_amount": 1.0,
          "currency_symbol": "night",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "hotel",
          "is_enrollment_required": false,
          "notes": "Certificate posts ~8-12 weeks after anniversary and expires 12 months after issuance. Spend $30K and $60K in a calendar year to earn additional Free Night Rewards."
        }
      ],
      "perks": [
        {
          "name": "Hilton Honors Diamond Status",
          "description": "Complimentary Diamond status with Hilton Honors as long as you remain a cardmember.",
          "icon": "crown.fill"
        },
        {
          "name": "Priority Pass\u2122 Select (Unlimited)",
          "description": "Complimentary Priority Pass Select with unlimited visits to 1,400+ airport lounges. Enrollment required.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        },
        {
          "name": "Trip Cancellation & Interruption Insurance",
          "description": "Up to $10,000 per trip ($20,000 per 12-month period) reimbursement for prepaid, non-refundable travel charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Premium Car Rental Status",
          "description": "Elite status with Hertz, Avis, and National car rental programs. Enrollment required.",
          "icon": "car.fill"
        }
      ]
    },
    {
      "id": "amex_delta_reserve",
      "name": "Delta SkyMiles\u00ae Reserve American Express Card",
      "issuer": "American Express",
      "image_asset_name": "card_amex_delta_reserve",
      "annual_fee": 650,
      "benefits": [
        {
          "id": "amex_delta_reserve_resy",
          "name": "Resy Credit",
          "description": "$20 monthly credit at U.S. restaurants listed on Resy.",
          "value_amount": 240.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "dining",
          "monthly_cap": 20.0,
          "is_enrollment_required": true
        },
        {
          "id": "amex_delta_reserve_uber_one",
          "name": "Uber One Credit",
          "description": "Up to $120 in annual statement credits covering Uber One \u2014 monthly or annual membership.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "transport",
          "is_enrollment_required": true,
          "notes": "Must start by 6/25/2026. Track against $120/year regardless of billing cadence."
        },
        {
          "id": "amex_delta_reserve_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $120 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        },
        {
          "id": "amex_delta_reserve_companion",
          "name": "Annual Companion Certificate",
          "description": "Receive 1 Companion Certificate each year after card renewal, good for one round-trip ticket in First, Comfort+, or Main Cabin within the U.S., Mexico, Caribbean, or Central America. Pay only taxes/fees ($80 domestic, $250 international max).",
          "value_amount": 1.0,
          "currency_symbol": "companion",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "airline",
          "is_enrollment_required": false,
          "notes": "Auto-issued to your SkyMiles account after card renewal. Each certificate expires 1 year from issuance."
        }
      ],
      "perks": [
        {
          "name": "Delta Sky Club Access",
          "description": "Complimentary Delta Sky Club access for the cardmember when flying same-day on Delta. Guest access requires a fee or sufficient MQD.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Centurion Lounge Access",
          "description": "Centurion Lounge access when flying same-day on a Delta-marketed/operated flight booked with the card.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "First & Second Checked Bag Free",
          "description": "First checked bag free on Delta flights, plus a free second checked bag on domestic Delta-operated flights, for the cardmember and up to 8 companions on the same reservation (as of June 4, 2026).",
          "icon": "bag.fill"
        },
        {
          "name": "Priority Boarding",
          "description": "Main Cabin 1 priority boarding on Delta-operated flights.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "20% Savings on In-flight Purchases",
          "description": "20% back as a statement credit on eligible Delta in-flight purchases (food, beverage, audio headsets).",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Medallion Qualification Boost",
          "description": "Earn Medallion Qualification Dollars (MQDs) at $1 per $10 spent, accelerating elite status.",
          "icon": "crown.fill"
        },
        {
          "name": "Trip Delay Insurance",
          "description": "Reimbursement for incidentals if your Delta trip is delayed.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "amex_delta_platinum",
      "name": "Delta SkyMiles\u00ae Platinum American Express Card",
      "issuer": "American Express",
      "image_asset_name": "card_amex_delta_plat",
      "annual_fee": 350,
      "benefits": [
        {
          "id": "amex_delta_plat_resy",
          "name": "Resy Credit",
          "description": "$10 monthly credit at U.S. restaurants listed on Resy.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "dining",
          "monthly_cap": 10.0,
          "is_enrollment_required": true
        },
        {
          "id": "amex_delta_plat_uber_one",
          "name": "Uber One Credit",
          "description": "Up to $120 in annual statement credits covering Uber One \u2014 monthly or annual membership.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "transport",
          "is_enrollment_required": true,
          "notes": "Must start by 6/25/2026. Track against $120/year regardless of billing cadence."
        },
        {
          "id": "amex_delta_plat_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $120 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        },
        {
          "id": "amex_delta_plat_companion",
          "name": "Annual Companion Certificate",
          "description": "Receive 1 Companion Certificate each year after card renewal, good for one round-trip Main Cabin ticket within the U.S., Mexico, Caribbean, or Central America. Pay only taxes/fees ($80 domestic, $250 international max).",
          "value_amount": 1.0,
          "currency_symbol": "companion",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "airline",
          "is_enrollment_required": false,
          "notes": "Auto-issued to your SkyMiles account after card renewal (starting in year 2). Each certificate expires 1 year from issuance."
        }
      ],
      "perks": [
        {
          "name": "First & Second Checked Bag Free",
          "description": "First checked bag free on Delta flights, plus a free second checked bag on domestic Delta-operated flights, for the cardmember and up to 8 companions on the same reservation (as of June 4, 2026).",
          "icon": "bag.fill"
        },
        {
          "name": "Priority Boarding",
          "description": "Main Cabin 1 priority boarding on Delta-operated flights.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "20% Savings on In-flight Purchases",
          "description": "20% back as a statement credit on eligible Delta in-flight purchases.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Medallion Qualification Boost",
          "description": "Earn Medallion Qualification Dollars (MQDs) at $1 per $20 spent.",
          "icon": "crown.fill"
        },
        {
          "name": "Baggage Insurance",
          "description": "Coverage for lost or damaged carry-on and checked baggage on a common carrier.",
          "icon": "bag.fill"
        },
        {
          "name": "Trip Delay Insurance",
          "description": "Reimbursement when your trip is delayed by 12+ hours.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Car Rental Loss & Damage Insurance",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "amex_marriott_brilliant",
      "name": "Marriott Bonvoy Brilliant\u00ae American Express\u00ae Card",
      "issuer": "American Express",
      "image_asset_name": "card_amex_marriott_brilliant",
      "annual_fee": 650,
      "benefits": [
        {
          "id": "amex_marriott_brilliant_dining",
          "name": "Dining Credit",
          "description": "$25 monthly statement credit at restaurants worldwide.",
          "value_amount": 300.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "dining",
          "monthly_cap": 25.0,
          "is_enrollment_required": false
        },
        {
          "id": "amex_marriott_brilliant_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $120 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        },
        {
          "id": "amex_marriott_brilliant_free_night",
          "name": "Anniversary Free Night Award",
          "description": "Each year after your card anniversary, receive one Free Night Award good for a one-night stay at a Marriott Bonvoy property with a redemption level up to 85,000 points. Top off with up to 25,000 of your own points for higher-category stays.",
          "value_amount": 1.0,
          "currency_symbol": "night",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "hotel",
          "is_enrollment_required": false,
          "notes": "Allow up to 8 weeks after anniversary for the certificate to post. Each award expires 12 months after issuance."
        }
      ],
      "perks": [
        {
          "name": "Marriott Bonvoy Platinum Elite Status",
          "description": "Complimentary Platinum Elite status \u2014 includes 4 PM late checkout, room upgrades, welcome gifts, and lounge access at participating properties.",
          "icon": "crown.fill"
        },
        {
          "name": "$100 Property Credit at Ritz-Carlton & St. Regis",
          "description": "Up to $100 on-property credit per qualifying 2-night-minimum stay at participating Ritz-Carlton or St. Regis hotels booked with a special rate.",
          "icon": "crown.fill"
        },
        {
          "name": "Priority Pass Select",
          "description": "Complimentary Priority Pass Select membership with access to 1,300+ airport lounges. Enrollment required.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "25 Elite Night Credits",
          "description": "25 Elite Night Credits each calendar year toward the next level of Marriott Bonvoy Elite status.",
          "icon": "gift.fill"
        },
        {
          "name": "Trip Delay Insurance",
          "description": "Reimbursement when your trip is delayed by 6+ hours.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Baggage Insurance",
          "description": "Coverage for lost or damaged carry-on and checked baggage on a common carrier.",
          "icon": "bag.fill"
        },
        {
          "name": "Car Rental Loss & Damage Insurance",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "amex_blue_cash_preferred",
      "name": "Blue Cash Preferred\u00ae Card from American Express",
      "issuer": "American Express",
      "image_asset_name": "card_amex_bcp",
      "annual_fee": 95,
      "benefits": [
        {
          "id": "amex_bcp_disney",
          "name": "Disney Streaming Credit",
          "description": "$10 monthly credit for Disney+, Hulu, or ESPN+ subscriptions.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "other",
          "monthly_cap": 10.0,
          "is_enrollment_required": true,
          "notes": "Must use monthly billing."
        },
        {
          "id": "amex_bcp_equinox",
          "name": "Equinox+ Credit",
          "description": "$10 monthly statement credit for an Equinox+ standalone monthly membership.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "other",
          "monthly_cap": 10.0,
          "is_enrollment_required": true,
          "notes": "Must enroll through Amex account and subscribe at equinoxplus.com. Monthly billing only. Third-party app purchases do not qualify. Existing Equinox+ members must switch to online account billing."
        }
      ],
      "perks": [
        {
          "name": "Cell Phone Protection",
          "description": "Up to $800 per claim (max 2/year, $50 deductible) for damage or theft when you pay your monthly cell bill with the card.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Return Protection",
          "description": "Reimbursement up to $300 per item if a merchant won't take a return within 90 days.",
          "icon": "arrow.uturn.backward.circle.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against accidental damage or theft for up to 90 days.",
          "icon": "bag.fill"
        },
        {
          "name": "Car Rental Loss & Damage Insurance",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Global Assist Hotline",
          "description": "24/7 medical, legal, and travel help when you're more than 100 miles from home.",
          "icon": "phone.circle.fill"
        }
      ]
    },
    {
      "id": "chase_sapphire_reserve",
      "name": "Chase Sapphire Reserve\u00ae",
      "issuer": "Chase",
      "image_asset_name": "card_chase_csr",
      "annual_fee": 795,
      "benefits": [
        {
          "id": "csr_travel_credit",
          "name": "Annual Travel Credit",
          "description": "Automatically reimburses the first $300 spent on travel each year.",
          "value_amount": 300.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "airline",
          "is_enrollment_required": false,
          "notes": "Resets after your account anniversary, NOT January 1st."
        },
        {
          "id": "csr_the_edit_credit",
          "name": "The Edit by Chase Travel Credit",
          "description": "$500 annual credit for hotel bookings through The Edit. Split into two $250 credits (Jan-Jun, Jul-Dec).",
          "value_amount": 500.0,
          "currency_symbol": "$",
          "reset_frequency": "semi_annual",
          "reset_rule": "calendar_year",
          "category": "hotel",
          "sub_periods": [
            {
              "label": "H1 (Jan-Jun)",
              "value": 250,
              "end_date": "06-30"
            },
            {
              "label": "H2 (Jul-Dec)",
              "value": 250,
              "end_date": "12-31"
            }
          ],
          "is_enrollment_required": false,
          "notes": "Requires prepaid booking of 2+ nights."
        },
        {
          "id": "csr_stubhub",
          "name": "StubHub/Viagogo Credit",
          "description": "$300 annual credit for ticket purchases. Split into two $150 credits (Jan-Jun, Jul-Dec).",
          "value_amount": 300.0,
          "currency_symbol": "$",
          "reset_frequency": "semi_annual",
          "reset_rule": "calendar_year",
          "category": "other",
          "sub_periods": [
            {
              "label": "H1 (Jan-Jun)",
              "value": 150,
              "end_date": "06-30"
            },
            {
              "label": "H2 (Jul-Dec)",
              "value": 150,
              "end_date": "12-31"
            }
          ],
          "is_enrollment_required": true
        },
        {
          "id": "csr_dining_credit",
          "name": "Exclusive Tables Dining Credit",
          "description": "$300 annual dining credit at restaurants in the Sapphire Reserve Exclusive Tables program. Split into two $150 credits (Jan-Jun, Jul-Dec).",
          "value_amount": 300.0,
          "currency_symbol": "$",
          "reset_frequency": "semi_annual",
          "reset_rule": "calendar_year",
          "category": "dining",
          "sub_periods": [
            {
              "label": "H1 (Jan-Jun)",
              "value": 150,
              "end_date": "06-30"
            },
            {
              "label": "H2 (Jul-Dec)",
              "value": 150,
              "end_date": "12-31"
            }
          ],
          "is_enrollment_required": false,
          "notes": "Pay with your Sapphire Reserve at Exclusive Tables restaurants; add your card to OpenTable. Credits post automatically. No enrollment required."
        },
        {
          "id": "csr_doordash_restaurant",
          "name": "DoorDash Restaurant Credit",
          "description": "$5 monthly promo at checkout on one qualifying restaurant order on DoorDash. Requires active DashPass.",
          "value_amount": 60.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "dining",
          "monthly_cap": 5.0,
          "is_enrollment_required": true,
          "notes": "Must activate DashPass and use Chase Sapphire Reserve as payment method on DoorDash. Does not roll over. Available through 12/31/2027."
        },
        {
          "id": "csr_doordash_nonrestaurant",
          "name": "DoorDash Grocery & Retail Credit",
          "description": "Two $10 monthly promos at checkout on qualifying non-restaurant (grocery, retail) orders on DoorDash. Requires active DashPass.",
          "value_amount": 240.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "shopping",
          "monthly_cap": 20.0,
          "is_enrollment_required": true,
          "notes": "2 separate $10 promos per month on non-restaurant orders. Must activate DashPass and pay with Chase Sapphire Reserve. Does not roll over. Available through 12/31/2027."
        },
        {
          "id": "csr_lyft",
          "name": "Lyft Monthly Credit",
          "description": "$10 monthly in-app credit on Lyft rides.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "transport",
          "monthly_cap": 10.0,
          "is_enrollment_required": true,
          "notes": "Save Chase Sapphire Reserve as default payment method in Lyft app. Does not roll over. Wait & Save, bikes, and scooters not eligible. Digital wallets not eligible. Available through 9/30/2027."
        },
        {
          "id": "csr_peloton",
          "name": "Peloton Membership Credit",
          "description": "$10 monthly statement credit on eligible Peloton membership purchases.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "other",
          "monthly_cap": 10.0,
          "is_enrollment_required": true,
          "notes": "One-time activation required on Chase.com or Chase Mobile app. Covers All-Access, App One, App+, and Strength+ memberships. Must purchase directly through Peloton (not via Apple/Google app stores). Available through 12/31/2027."
        },
        {
          "id": "csr_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $120 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        }
      ],
      "perks": [
        {
          "name": "Priority Pass\u2122 Select",
          "description": "Complimentary Priority Pass Select membership granting access to 1,300+ airport lounges globally for the cardmember and up to 2 guests. Enrollment required.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Sapphire Lounge by The Club",
          "description": "Complimentary access to Chase Sapphire Lounges (e.g., LGA, BOS, JFK, AUS, SDF, PHL) for the cardmember and 2 guests.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Apple TV+ & Apple Music",
          "description": "Complimentary subscriptions to Apple TV+ and Apple Music through 6/22/2027 (up to ~$288 in annual value). Enrollment required.",
          "icon": "music.note"
        },
        {
          "name": "IHG One Rewards Platinum Elite",
          "description": "Complimentary Platinum Elite status with IHG One Rewards. Enrollment required.",
          "icon": "crown.fill"
        },
        {
          "name": "Auto Rental Collision Damage Waiver (Primary)",
          "description": "Primary CDW coverage for rental cars charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Trip Cancellation & Interruption Insurance",
          "description": "Up to $10,000 per person and $20,000 per trip for prepaid, non-refundable travel charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Trip Delay Reimbursement",
          "description": "Up to $500 per ticket for delays of 6+ hours (or requiring an overnight stay).",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Up to $3,000 per passenger for checked or carry-on bags lost by the carrier.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Emergency Evacuation & Transportation",
          "description": "Up to $100,000 for emergency evacuation when traveling more than 100 miles from home.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        },
        {
          "name": "Visa Infinite Concierge",
          "description": "24/7 personal concierge for travel, dining, and entertainment.",
          "icon": "phone.circle.fill"
        }
      ]
    },
    {
      "id": "chase_sapphire_preferred",
      "name": "Chase Sapphire Preferred\u00ae Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_csp",
      "annual_fee": 95,
      "benefits": [
        {
          "id": "csp_hotel_credit",
          "name": "Chase Travel Hotel Credit",
          "description": "$100 annual credit for hotel bookings through Chase Travel.",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "hotel",
          "is_enrollment_required": false,
          "notes": "No points earned on credited amount."
        },
        {
          "id": "csp_doordash",
          "name": "DoorDash Non-Restaurant Credit",
          "description": "$10 monthly credit for non-restaurant DoorDash orders.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "shopping",
          "monthly_cap": 10.0,
          "is_enrollment_required": true,
          "notes": "Activate DashPass by 12/31/27. Does not roll over."
        },
        {
          "id": "csp_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $120 credit for Global Entry, TSA PreCheck, or NEXUS application fees every 4 years.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        }
      ],
      "perks": [
        {
          "name": "Trip Cancellation & Interruption Insurance",
          "description": "Up to $10,000 per traveler ($20,000 per trip) for prepaid, non-refundable travel charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental Collision Damage Waiver",
          "description": "Primary coverage up to $60,000 for theft and collision damage on most rentals (MSRP \u2264 $125K). Decline the rental's CDW.",
          "icon": "car.fill"
        },
        {
          "name": "Baggage Delay Insurance",
          "description": "Up to $100/day for 5 days for essentials when checked baggage is delayed 6+ hours.",
          "icon": "bag.fill"
        },
        {
          "name": "Trip Delay Reimbursement",
          "description": "Up to $500 per ticket if your trip is delayed by 12+ hours or requires an overnight stay.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Up to $3,000 per passenger for checked or carry-on bags lost by the carrier.",
          "icon": "bag.fill"
        },
        {
          "name": "Travel & Emergency Assistance",
          "description": "24/7 hotline for legal, medical, and travel referrals.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage up to $500/claim ($50K/account) for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "Extended Warranty",
          "description": "Adds 1 year to U.S. manufacturer warranties of 3 years or less.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        },
        {
          "name": "Apple TV Subscription",
          "description": "Complimentary Apple TV subscription for one year when activated by December 31, 2026.",
          "icon": "tv"
        },
        {
          "name": "Emergency Evacuation & Transportation",
          "description": "Up to $100,000 for emergency evacuation when traveling more than 100 miles from home.",
          "icon": "shield.lefthalf.filled"
        }
      ]
    },
    {
      "id": "chase_united_explorer",
      "name": "United\u2120 Explorer Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_united_explorer",
      "annual_fee": 150,
      "benefits": [
        {
          "id": "chase_united_exp_hotel",
          "name": "United Hotels Credit",
          "description": "$50 back on each of your first two prepaid hotel stays via United Hotels ($100 total).",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "hotel",
          "is_enrollment_required": false
        },
        {
          "id": "chase_united_exp_rideshare",
          "name": "Rideshare Credit",
          "description": "$5 monthly credit on rideshare purchases.",
          "value_amount": 60.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "transport",
          "monthly_cap": 5.0,
          "is_enrollment_required": true,
          "notes": "Yearly opt-in required."
        },
        {
          "id": "chase_united_exp_instacart",
          "name": "Instacart Credit",
          "description": "$10 monthly credit on Instacart orders.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "shopping",
          "monthly_cap": 10.0,
          "is_enrollment_required": true,
          "notes": "Requires Instacart+ membership. Benefits end 12/31/27."
        },
        {
          "id": "chase_united_exp_jsx",
          "name": "JSX Flight Credit",
          "description": "$100 annual credit for flights booked directly through JSX.",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "airline",
          "is_enrollment_required": false
        },
        {
          "id": "chase_united_exp_car_rental",
          "name": "Avis/Budget Car Rental Credit",
          "description": "$25 United TravelBank cash per rental for your first two rentals ($50 total).",
          "value_amount": 50.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "transport",
          "is_enrollment_required": false,
          "notes": "Must book through cars.united.com."
        },
        {
          "id": "chase_united_exp_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $120 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        }
      ],
      "perks": [
        {
          "name": "First Checked Bag Free",
          "description": "First checked bag free on United flights for the cardmember and one travel companion (must purchase tickets with the card).",
          "icon": "bag.fill"
        },
        {
          "name": "Priority Boarding",
          "description": "Group 2 boarding on United-operated flights.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "2 United Club One-Time Passes",
          "description": "Two United Club one-time passes each year on your account anniversary.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "25% Back on In-flight Purchases",
          "description": "25% statement credit on eligible food, beverage, and Wi-Fi purchases on United-operated flights.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $1,500 per person ($6,000 per trip) for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental Collision Damage Waiver",
          "description": "Primary coverage when you decline the rental's CDW and charge the rental to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Baggage Delay",
          "description": "Up to $100/day for 3 days when checked baggage is delayed 6+ hours.",
          "icon": "bag.fill"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Up to $3,000 per passenger for lost checked or carry-on bags.",
          "icon": "bag.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "chase_united_club_infinite",
      "name": "United Club\u2120 Infinite Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_united_club",
      "annual_fee": 695,
      "benefits": [
        {
          "id": "chase_united_club_hotel",
          "name": "Renowned Hotels & Resorts Credit",
          "description": "$200 annual credit for prepaid stays via Renowned Hotels & Resorts.",
          "value_amount": 200.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "hotel",
          "is_enrollment_required": false
        },
        {
          "id": "chase_united_club_rideshare",
          "name": "Rideshare Credit",
          "description": "$12 monthly rideshare credit ($18 in December).",
          "value_amount": 150.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "transport",
          "sub_benefits": [
            {
              "month": "Jan",
              "value": 12
            },
            {
              "month": "Feb",
              "value": 12
            },
            {
              "month": "Mar",
              "value": 12
            },
            {
              "month": "Apr",
              "value": 12
            },
            {
              "month": "May",
              "value": 12
            },
            {
              "month": "Jun",
              "value": 12
            },
            {
              "month": "Jul",
              "value": 12
            },
            {
              "month": "Aug",
              "value": 12
            },
            {
              "month": "Sep",
              "value": 12
            },
            {
              "month": "Oct",
              "value": 12
            },
            {
              "month": "Nov",
              "value": 12
            },
            {
              "month": "Dec",
              "value": 18
            }
          ],
          "is_enrollment_required": true,
          "notes": "Yearly opt-in required."
        },
        {
          "id": "chase_united_club_instacart",
          "name": "Instacart Credit",
          "description": "$20 monthly credit (two $10 credits) on Instacart orders.",
          "value_amount": 240.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "shopping",
          "monthly_cap": 20.0,
          "is_enrollment_required": true,
          "notes": "Free Instacart+ through 12/31/27. Benefits end 12/31/27."
        },
        {
          "id": "chase_united_club_jsx",
          "name": "JSX Flight Credit",
          "description": "$200 annual credit for flights booked directly through JSX.",
          "value_amount": 200.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "airline",
          "is_enrollment_required": false
        },
        {
          "id": "chase_united_club_car_rental",
          "name": "Avis/Budget Car Rental Credit",
          "description": "$50 United TravelBank cash per rental for your first two rentals ($100 total).",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "transport",
          "is_enrollment_required": false,
          "notes": "Must book through cars.united.com."
        },
        {
          "id": "chase_united_club_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $120 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        }
      ],
      "perks": [
        {
          "name": "United Club Membership",
          "description": "Complimentary United Club membership for the cardmember and eligible travel companions.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "First & Second Checked Bag Free",
          "description": "First and second checked bags free on United flights for the cardmember and one companion.",
          "icon": "bag.fill"
        },
        {
          "name": "Premier Access Travel Services",
          "description": "Priority check-in, security lanes (where available), boarding, and baggage handling.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "25% Back on In-flight Purchases",
          "description": "25% statement credit on eligible Wi-Fi, food, and beverages on United-operated flights.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "IHG Platinum Elite Status",
          "description": "Complimentary IHG One Rewards Platinum Elite status. Enrollment required.",
          "icon": "crown.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Primary coverage when you decline the rental's insurance and charge the rental to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $10,000 per person ($20,000 per trip) for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Trip Delay Reimbursement",
          "description": "Up to $500 per ticket when your trip is delayed 6+ hours or requires an overnight stay.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Up to $3,000 per passenger for lost checked or carry-on bags.",
          "icon": "bag.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage up to $10,000 per claim for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "chase_ihg_premier",
      "name": "IHG One Rewards Premier Credit Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_ihg_premier",
      "annual_fee": 99,
      "benefits": [
        {
          "id": "chase_ihg_travelbank",
          "name": "United TravelBank Cash",
          "description": "$25 deposited semi-annually to your United TravelBank account (around Jan 1 and Jul 1).",
          "value_amount": 50.0,
          "currency_symbol": "$",
          "reset_frequency": "semi_annual",
          "reset_rule": "calendar_year",
          "category": "airline",
          "sub_periods": [
            {
              "label": "H1 (Jan-Jun)",
              "value": 25,
              "end_date": "07-15"
            },
            {
              "label": "H2 (Jul-Dec)",
              "value": 25,
              "end_date": "01-15"
            }
          ],
          "is_enrollment_required": true,
          "notes": "Must register at ihg.com/united linking IHG card to MileagePlus account. Credits expire quickly."
        },
        {
          "id": "chase_ihg_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $120 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        },
        {
          "id": "chase_ihg_premier_free_night",
          "name": "Anniversary Free Night Award",
          "description": "Each year on your account anniversary, receive a Free Night reward valid at IHG hotels with a redemption level of up to 40,000 points per night. You can top off the certificate with points from your IHG One Rewards account to redeem at higher-category properties.",
          "value_amount": 1.0,
          "currency_symbol": "night",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "hotel",
          "is_enrollment_required": false,
          "notes": "Award is auto-deposited 4-8 weeks after your card anniversary date and expires 12 months after issuance."
        }
      ],
      "perks": [
        {
          "name": "IHG One Rewards Platinum Elite Status",
          "description": "Automatic Platinum Elite status \u2014 complimentary upgrades when available, Premium Wi-Fi, late checkout, and 60% point bonus on stays.",
          "icon": "crown.fill"
        },
        {
          "name": "4th Reward Night Free",
          "description": "When you redeem points for a stay of 4+ consecutive nights at any IHG hotel, the 4th night is free.",
          "icon": "gift.fill"
        },
        {
          "name": "20% Discount on Points Purchases",
          "description": "Save 20% when buying IHG One Rewards points with your card.",
          "icon": "creditcard"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $5,000 per person, $10,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental Collision Damage Waiver",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Up to $3,000 per passenger for lost checked or carry-on bags.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "chase_marriott_boundless",
      "name": "Marriott Bonvoy Boundless\u00ae Credit Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_marriott_boundless",
      "annual_fee": 95,
      "benefits": [
        {
          "id": "chase_marriott_boundless_airline",
          "name": "Airline Credit",
          "description": "$50 back after spending $250 on airlines per half-year ($100 total).",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "semi_annual",
          "reset_rule": "calendar_year",
          "category": "airline",
          "sub_periods": [
            {
              "label": "H1 (Jan-Jun)",
              "value": 50,
              "end_date": "06-30"
            },
            {
              "label": "H2 (Jul-Dec)",
              "value": 50,
              "end_date": "12-31"
            }
          ],
          "is_enrollment_required": true,
          "notes": "Must activate at chase.com/mybonus. Requires $250 airline spend to trigger each $50 credit."
        },
        {
          "id": "chase_marriott_boundless_free_night",
          "name": "Anniversary Free Night Award",
          "description": "Each year after your card anniversary, receive one Free Night Award good for a one-night stay at a Marriott Bonvoy property with a redemption level up to 35,000 points. Top off with up to 25,000 of your own points for higher-category stays.",
          "value_amount": 1.0,
          "currency_symbol": "night",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "hotel",
          "is_enrollment_required": false,
          "notes": "Allow up to 8 weeks after anniversary for the certificate to post. Each award expires 12 months after issuance."
        }
      ],
      "perks": [
        {
          "name": "Marriott Bonvoy Silver Elite Status",
          "description": "Automatic Silver Elite status. Earn Gold Elite by spending $35K in a calendar year.",
          "icon": "crown.fill"
        },
        {
          "name": "15 Elite Night Credits",
          "description": "15 Elite Night Credits each calendar year toward Marriott Bonvoy elite status tiers.",
          "icon": "gift.fill"
        },
        {
          "name": "Travel & Emergency Assistance",
          "description": "24/7 hotline for legal, medical, and travel referrals.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Up to $3,000 per passenger for lost checked or carry-on bags.",
          "icon": "bag.fill"
        },
        {
          "name": "Baggage Delay",
          "description": "Up to $100/day for 5 days when checked baggage is delayed 6+ hours.",
          "icon": "bag.fill"
        },
        {
          "name": "Trip Delay Reimbursement",
          "description": "Up to $500 per ticket when your trip is delayed 12+ hours or requires an overnight stay.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "chase_freedom_flex",
      "name": "Chase Freedom Flex\u2120",
      "issuer": "Chase",
      "image_asset_name": "card_chase_freedom_flex",
      "annual_fee": 0,
      "benefits": [
        {
          "id": "chase_freedom_flex_quarterly",
          "name": "Quarterly Bonus Category Activation",
          "description": "Q3 2026 (Jul\u2013Sep): Gas stations and EV charging, public transit, select live entertainment, and donations to United Way. Earn 5% on up to $1,500 combined ($75 max bonus this quarter). Activate by September 14, 2026.",
          "value_amount": 300.0,
          "currency_symbol": "$",
          "reset_frequency": "quarterly",
          "reset_rule": "calendar_year",
          "category": "other",
          "is_enrollment_required": true,
          "notes": "Categories rotate quarterly. Activation is retroactive within the quarter once enrolled. $1,500 cap is per quarter; rolls over to 1% after cap."
        }
      ],
      "perks": [
        {
          "name": "Cell Phone Protection",
          "description": "Up to $800 per claim (max 2/year, $50 deductible) for damage or theft when you pay your monthly cell bill with the card.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "DoorDash DashPass",
          "description": "Complimentary DashPass benefits including $0 delivery fees on eligible orders. Enrollment required.",
          "icon": "gift.fill"
        },
        {
          "name": "Trip Cancellation & Interruption Insurance",
          "description": "Up to $1,500 per person, $6,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage up to $500/claim for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "Extended Warranty",
          "description": "Adds 1 year to U.S. manufacturer warranties of 3 years or less.",
          "icon": "shield.lefthalf.filled"
        }
      ]
    },
    {
      "id": "chase_freedom_classic",
      "name": "Chase Freedom\u00ae",
      "issuer": "Chase",
      "image_asset_name": "card_chase_freedom",
      "annual_fee": 0,
      "benefits": [
        {
          "id": "chase_freedom_classic_quarterly",
          "name": "Quarterly Bonus Category Activation",
          "description": "Q3 2026 (Jul\u2013Sep): Gas stations and EV charging, public transit, select live entertainment, and donations to United Way. Earn 5% on up to $1,500 combined ($75 max bonus this quarter). Activate by September 14, 2026.",
          "value_amount": 300.0,
          "currency_symbol": "$",
          "reset_frequency": "quarterly",
          "reset_rule": "calendar_year",
          "category": "other",
          "is_enrollment_required": true,
          "notes": "Categories rotate quarterly and use the same calendar as Chase Freedom Flex. $1,500 cap is per quarter; rolls over to 1% after cap. Closed to new applicants since September 2020 \u2014 existing cardholders only."
        }
      ],
      "perks": [
        {
          "name": "Trip Cancellation & Interruption Insurance",
          "description": "Up to $1,500 per person and $6,000 per trip for prepaid, non-refundable travel. Visa Signature variants only.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card when you decline the rental company's collision damage waiver.",
          "icon": "car.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Up to $500 per claim ($50,000 per account) for new purchases against damage or theft for 120 days from purchase.",
          "icon": "bag.fill"
        },
        {
          "name": "Extended Warranty",
          "description": "Adds 1 year to U.S. manufacturer warranties of 3 years or less.",
          "icon": "checkmark.shield.fill"
        },
        {
          "name": "Zero Liability Protection",
          "description": "You are not responsible for unauthorized charges made with your card or account information.",
          "icon": "lock.shield.fill"
        },
        {
          "name": "Free FICO Score",
          "description": "View your FICO Score for free in your Chase account.",
          "icon": "gift.fill"
        }
      ]
    },
    {
      "id": "capone_venture_x",
      "name": "Capital One Venture X Rewards",
      "issuer": "Capital One",
      "image_asset_name": "card_capone_vx",
      "annual_fee": 395,
      "benefits": [
        {
          "id": "vx_travel_credit",
          "name": "Annual Travel Credit",
          "description": "$300 credit for bookings made through Capital One Travel portal.",
          "value_amount": 300.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "airline",
          "is_enrollment_required": false,
          "notes": "Credit is applied at checkout in the portal."
        },
        {
          "id": "vx_global_entry",
          "name": "Global Entry / TSA PreCheck",
          "description": "Up to $120 credit for application fees every 4 years.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "notes": "Resets 4 years after you use it."
        }
      ],
      "perks": [
        {
          "name": "Anniversary Bonus Miles",
          "description": "10,000 bonus miles automatically deposited to your account each year on your card anniversary (worth $100 toward travel, or transferable to airline/hotel partners).",
          "icon": "gift.fill"
        },
        {
          "name": "Capital One Lounge Access",
          "description": "Complimentary access for the primary cardholder to Capital One Lounges and Landings. As of February 1, 2026, authorized users require a $125/year fee each (up to 4) for access. Complimentary guest access requires $75K annual spend; otherwise guest fees apply ($45/adult, $25/under 17).",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Priority Pass Select",
          "description": "Complimentary Priority Pass with unlimited visits to 1,300+ lounges for the primary cardmember. Guests $35 each.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Plaza Premium Lounge Access",
          "description": "Complimentary access to Plaza Premium Lounges via the Priority Pass network.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Hertz President's Circle Status",
          "description": "Complimentary Hertz President's Circle elite status. Enrollment required.",
          "icon": "car.fill"
        },
        {
          "name": "Cell Phone Protection",
          "description": "Up to $800 per claim (max 2/year, $50 deductible) when you pay your monthly cell bill with the card.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Trip Cancellation & Interruption Insurance",
          "description": "Up to $2,000 per insured person for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Trip Delay Reimbursement",
          "description": "Up to $500 per ticket when your trip is delayed 6+ hours or requires an overnight stay.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Primary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Up to $3,000 per passenger for lost checked or carry-on bags.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        },
        {
          "name": "Visa Infinite Concierge",
          "description": "24/7 concierge for travel, dining, and entertainment requests.",
          "icon": "phone.circle.fill"
        }
      ]
    },
    {
      "id": "capone_venture",
      "name": "Capital One Venture Rewards Credit Card",
      "issuer": "Capital One",
      "image_asset_name": "card_capone_venture",
      "annual_fee": 95,
      "benefits": [
        {
          "id": "capone_venture_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $120 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "One credit per account. Resets 4 years after you use it."
        }
      ],
      "perks": [
        {
          "name": "Lifestyle Collection Hotel Credit",
          "description": "$50 on-property experience credit per qualifying stay at Capital One Lifestyle Collection hotels booked through Capital One Travel (no annual cap, applies to every eligible stay).",
          "icon": "crown.fill"
        },
        {
          "name": "Hertz Five Star Status",
          "description": "Complimentary Hertz Five Star elite status. Enrollment required.",
          "icon": "car.fill"
        },
        {
          "name": "Auto Rental Collision Damage Waiver",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Travel Accident Insurance",
          "description": "Up to $250,000 in common-carrier travel accident coverage when fares are charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "24/7 Travel Assistance",
          "description": "Help replacing lost cards, emergency cash, and other travel emergencies.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Extended Warranty",
          "description": "Doubles original manufacturer warranties of 1 year or less (max 1 additional year).",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "citi_strata_premier",
      "name": "Citi Strata Premier\u2120 Card",
      "issuer": "Citi",
      "image_asset_name": "card_citi_strata_premier",
      "annual_fee": 95,
      "benefits": [
        {
          "id": "citi_strata_hotel",
          "name": "Annual Hotel Credit",
          "description": "$100 off a single hotel stay of $500+ booked through CitiTravel.com.",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "hotel",
          "is_enrollment_required": false,
          "notes": "Must book through Citi Travel. Requires $500+ stay (pre-tax/fees)."
        }
      ],
      "perks": [
        {
          "name": "Trip Cancellation & Interruption Insurance",
          "description": "Up to $5,000 per trip ($10,000 per 12-month period) for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Trip Delay Insurance",
          "description": "Up to $500 per ticket when your trip is delayed 6+ hours.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Lost or Damaged Luggage Insurance",
          "description": "Up to $3,000 per trip for lost or damaged baggage (max 2 claims per 12-month period).",
          "icon": "bag.fill"
        },
        {
          "name": "Master Rental Coverage",
          "description": "Secondary auto rental coverage when you charge the entire rental to the card.",
          "icon": "car.fill"
        },
        {
          "name": "World Elite Mastercard Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Citi Entertainment",
          "description": "Presale tickets and exclusive experiences for music, sports, and cultural events.",
          "icon": "gift.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "citi_aadvantage_executive",
      "name": "Citi\u00ae / AAdvantage\u00ae Executive World Legend Mastercard\u00ae",
      "issuer": "Citi",
      "image_asset_name": "card_citi_aa_executive",
      "annual_fee": 695,
      "benefits": [
        {
          "id": "citi_aa_exec_aa_vacations",
          "name": "American Airlines Vacations Credit",
          "description": "Up to $500 per year in statement credits on eligible American Airlines Vacations packages and experiences booked at AAVacations.com, as two credits of up to $250 (Jan\u2013Jun and Jul\u2013Dec).",
          "value_amount": 500.0,
          "currency_symbol": "$",
          "reset_frequency": "semi_annual",
          "reset_rule": "calendar_year",
          "category": "airline",
          "is_enrollment_required": false,
          "notes": "Added Aug 23, 2026. Requires an eligible AA Vacations package (generally 2+ travel components) or experience paid with the card. Credit posts within 8-10 weeks."
        },
        {
          "id": "citi_aa_exec_grubhub",
          "name": "Grubhub Credit",
          "description": "$10 monthly statement credit on eligible Grubhub/Seamless purchases.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "dining",
          "monthly_cap": 10.0,
          "is_enrollment_required": false,
          "notes": "No minimum purchase. Includes tips, taxes, fees. Does not roll over. Discontinued for accounts opened on/after Aug 23, 2026; existing cardmembers keep this credit through Aug 31, 2027."
        },
        {
          "id": "citi_aa_exec_lyft",
          "name": "Lyft Credit",
          "description": "$10 Lyft credit after completing 3 rides in a calendar month.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "transport",
          "monthly_cap": 10.0,
          "is_enrollment_required": false,
          "notes": "Must complete 3 rides first to earn the $10 credit. This is a Lyft account credit, not a statement credit."
        },
        {
          "id": "citi_aa_exec_car_rental",
          "name": "Avis/Budget Car Rental Credit",
          "description": "Up to $120 per year in statement credits for prepaid car rentals from Avis or Budget.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "transport",
          "is_enrollment_required": false,
          "notes": "Must book directly on avis.com or budget.com. Credit posts within 8-10 weeks."
        },
        {
          "id": "citi_aa_exec_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $120 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        }
      ],
      "perks": [
        {
          "name": "Admirals Club Membership",
          "description": "Full Admirals Club access at nearly 100 lounges worldwide for the cardmember plus immediate family or up to 2 guests.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Companion Certificate at $30K Spend",
          "description": "Earn an American Airlines domestic Companion Certificate when you spend $30,000+ in a cardmember year and renew. Pay $99 + taxes/fees to redeem for one companion.",
          "icon": "person.2.fill"
        },
        {
          "name": "First Checked Bag Free",
          "description": "First checked bag free on domestic American Airlines itineraries for the cardmember and up to 8 companions on the same reservation.",
          "icon": "bag.fill"
        },
        {
          "name": "Priority Privileges",
          "description": "Priority check-in, screening, and boarding (Group 4) on American Airlines flights.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "25% Savings on In-flight Purchases",
          "description": "25% statement credit on eligible American Airlines in-flight food and beverage purchases. Ends Sep 30, 2026 for existing cardmembers; not offered to accounts opened on/after Aug 23, 2026.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Trip Cancellation & Interruption Insurance",
          "description": "Up to $5,000 per trip ($10,000 per 12-month period) for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental Insurance",
          "description": "Primary coverage on eligible rentals when you charge the rental to the card and decline the CDW.",
          "icon": "car.fill"
        },
        {
          "name": "World Elite Mastercard Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "usbank_altitude_reserve",
      "name": "U.S. Bank Altitude\u2122 Reserve Visa Infinite\u00ae Card",
      "issuer": "U.S. Bank",
      "image_asset_name": "card_usbank_altitude_reserve",
      "annual_fee": 400,
      "benefits": [
        {
          "id": "usbank_alt_reserve_travel",
          "name": "Annual Travel & Dining Credit",
          "description": "$325 in statement credits per year for travel, dining, takeout, and restaurant delivery purchases. Auto-redeems against eligible spend.",
          "value_amount": 325.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "As of Dec 15, 2025, restricted to U.S. Bank Travel Center only. Dining no longer qualifies."
        },
        {
          "id": "usbank_alt_reserve_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $100 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        }
      ],
      "perks": [
        {
          "name": "Priority Pass Select",
          "description": "Complimentary Priority Pass with up to 8 free lounge visits per year. After 8, $32 per visit.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Apple TV+ & Apple Music",
          "description": "Complimentary subscriptions to Apple TV+ and Apple Music. Enrollment required.",
          "icon": "tv"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $5,000 per person, $10,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Trip Delay Reimbursement",
          "description": "Up to $500 per ticket when your trip is delayed 6+ hours or requires an overnight stay.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental Loss/Damage Waiver",
          "description": "Primary coverage on eligible rentals charged to the card. Decline the rental's CDW.",
          "icon": "car.fill"
        },
        {
          "name": "Travel Accident Insurance",
          "description": "Up to $1,000,000 in common-carrier travel accident coverage.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Roadside Dispatch",
          "description": "24/7 pay-per-use roadside assistance hotline.",
          "icon": "car.fill"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Up to $3,000 per passenger for lost checked or carry-on bags.",
          "icon": "bag.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft.",
          "icon": "bag.fill"
        },
        {
          "name": "Return Protection",
          "description": "Reimbursement when a merchant won't take back an eligible item within 60 days.",
          "icon": "arrow.uturn.backward.circle.fill"
        },
        {
          "name": "Extended Warranty",
          "description": "Adds 1 year to U.S. manufacturer warranties of 3 years or less.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Visa Infinite Concierge",
          "description": "24/7 concierge for travel, dining, and entertainment requests.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "bilt_obsidian",
      "name": "Bilt Obsidian Card",
      "issuer": "Bilt",
      "image_asset_name": "card_bilt_obsidian",
      "annual_fee": 95,
      "benefits": [
        {
          "id": "bilt_obsidian_hotel",
          "name": "Hotel Credit",
          "description": "$50 semi-annual credit toward hotel bookings (2-night minimum) through Bilt Travel portal.",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "semi_annual",
          "reset_rule": "calendar_year",
          "category": "hotel",
          "sub_periods": [
            {
              "label": "H1 (Jan-Jun)",
              "value": 50,
              "end_date": "06-30"
            },
            {
              "label": "H2 (Jul-Dec)",
              "value": 50,
              "end_date": "12-31"
            }
          ],
          "is_enrollment_required": false,
          "notes": "Must book through Bilt Travel. 2-night minimum stay."
        }
      ],
      "perks": [
        {
          "name": "Bilt Concierge",
          "description": "24/7 access to a dedicated concierge service for travel, dining, and lifestyle requests.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Trip Cancellation & Interruption Insurance",
          "description": "Up to $10,000 per trip and $20,000 per 12-month period for prepaid, non-refundable travel charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental Collision Damage Waiver",
          "description": "Coverage on eligible rental cars charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "bilt_palladium",
      "name": "Bilt Palladium Card",
      "issuer": "Bilt",
      "image_asset_name": "card_bilt_palladium",
      "annual_fee": 495,
      "benefits": [
        {
          "id": "bilt_palladium_hotel",
          "name": "Hotel Credit",
          "description": "$200 semi-annual credit toward hotel bookings (2-night minimum) through Bilt Travel portal.",
          "value_amount": 400.0,
          "currency_symbol": "$",
          "reset_frequency": "semi_annual",
          "reset_rule": "calendar_year",
          "category": "hotel",
          "sub_periods": [
            {
              "label": "H1 (Jan-Jun)",
              "value": 200,
              "end_date": "06-30"
            },
            {
              "label": "H2 (Jul-Dec)",
              "value": 200,
              "end_date": "12-31"
            }
          ],
          "is_enrollment_required": false,
          "notes": "Must book through Bilt Travel. 2-night minimum stay."
        },
        {
          "id": "bilt_palladium_cash",
          "name": "Bilt Cash",
          "description": "$200 in Bilt Cash credited annually, redeemable at partner merchants with monthly caps.",
          "value_amount": 200.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Only $100 rolls over to next year. Monthly redemption caps apply at each partner (Lyft $10/mo, Walgreens $10/mo, dining $25/mo, etc.)."
        }
      ],
      "perks": [
        {
          "name": "Priority Pass with 2 Guests",
          "description": "Complimentary Priority Pass membership with 2 free guest visits per cardmember visit.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Cell Phone Protection",
          "description": "Wireless protection when you pay your monthly cell bill with the card.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Reimbursement for prepaid, non-refundable travel charged to the card if cancelled or interrupted for a covered reason.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Trip Delay Reimbursement",
          "description": "Reimbursement for incidentals when your trip is delayed.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Master Rental Coverage",
          "description": "Auto rental collision damage waiver on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Lost or Damaged Luggage",
          "description": "Coverage for lost or damaged baggage on a common carrier.",
          "icon": "bag.fill"
        },
        {
          "name": "Baggage Delay Insurance",
          "description": "Reimbursement for essentials when checked bags are delayed.",
          "icon": "bag.fill"
        },
        {
          "name": "Extended Warranty Protection",
          "description": "Adds time to eligible U.S. manufacturer warranties.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Purchase Assurance",
          "description": "Coverage for new purchases against damage or theft.",
          "icon": "bag.fill"
        },
        {
          "name": "Price Drop Protection",
          "description": "Refund the difference if an eligible item drops in price within a covered window.",
          "icon": "creditcard"
        },
        {
          "name": "Earn Points on Rent & Mortgage",
          "description": "Earn 1x Bilt Points on rent and mortgage payments (subject to program rules and monthly transaction caps).",
          "icon": "gift.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "bofa_premium_rewards",
      "name": "Bank of America\u00ae Premium Rewards\u00ae Credit Card",
      "issuer": "Bank of America",
      "image_asset_name": "card_bofa_premium_rewards",
      "annual_fee": 95,
      "benefits": [
        {
          "id": "bofa_pr_airline",
          "name": "Airline Incidental Credit",
          "description": "Up to $100 per year in statement credits for eligible airline incidental charges.",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "airline",
          "is_enrollment_required": false,
          "notes": "No airline selection needed. Covers baggage fees, seat upgrades, in-flight purchases. Allegiant, Spirit, Sun Country excluded."
        },
        {
          "id": "bofa_pr_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $100 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        }
      ],
      "perks": [
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $2,000 per person ($10,000 per trip) for prepaid, non-refundable travel charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Trip Delay Reimbursement",
          "description": "Up to $500 per ticket when your trip is delayed 12+ hours or requires an overnight stay.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Coverage on eligible rentals when you decline the rental's CDW and charge the rental to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Travel Accident Insurance",
          "description": "Up to $500,000 in common-carrier travel accident coverage.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Coverage for lost checked or carry-on baggage on a common carrier.",
          "icon": "bag.fill"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 90 days.",
          "icon": "bag.fill"
        },
        {
          "name": "Extended Warranty",
          "description": "Doubles eligible U.S. manufacturer warranties (max 1 extra year).",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Preferred Rewards Boost",
          "description": "Earn 25%\u201375% more rewards as a Bank of America Preferred Rewards member based on relationship tier.",
          "icon": "gift.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "wf_autograph_journey",
      "name": "Wells Fargo Autograph Journey\u2120 Card",
      "issuer": "Wells Fargo",
      "image_asset_name": "card_wf_autograph_journey",
      "annual_fee": 95,
      "benefits": [
        {
          "id": "wf_aj_airline",
          "name": "Annual Airline Credit",
          "description": "$50 statement credit for your first airline purchase of $50+ each anniversary year.",
          "value_amount": 50.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "airline",
          "is_enrollment_required": false,
          "notes": "Must be a single purchase of $50+. Works on direct airline bookings."
        }
      ],
      "perks": [
        {
          "name": "Cell Phone Protection",
          "description": "Up to $1,000 per claim (max 2/year) when you pay your monthly cell bill with the card.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $15,000 per trip for prepaid, non-refundable travel charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Trip Delay Reimbursement",
          "description": "Reimbursement when your trip is delayed and you incur extra expenses.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Lost or Damaged Luggage",
          "description": "Coverage for lost or damaged checked baggage on a common carrier.",
          "icon": "bag.fill"
        },
        {
          "name": "Auto Rental Insurance",
          "description": "Coverage on eligible rentals when you charge the rental to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Travel Accident Insurance",
          "description": "Common-carrier travel accident coverage when fares are charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "chase_world_of_hyatt",
      "name": "The World of Hyatt Credit Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_world_of_hyatt",
      "annual_fee": 95,
      "benefits": [
        {
          "id": "chase_woh_free_night",
          "name": "Anniversary Free Night Award",
          "description": "Each year on your card anniversary, receive 1 Free Night Award valid at any Category 1-4 Hyatt hotel or resort.",
          "value_amount": 1.0,
          "currency_symbol": "night",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "hotel",
          "is_enrollment_required": false,
          "notes": "Posts shortly after your account anniversary date. Each award expires 6 months from issuance."
        }
      ],
      "perks": [
        {
          "name": "World of Hyatt Discoverist Status",
          "description": "Complimentary Discoverist status as long as your account is open. Includes premium Wi-Fi, 2 PM late checkout, preferred rooms, and a 10% point bonus.",
          "icon": "crown.fill"
        },
        {
          "name": "5 Tier-Qualifying Nights",
          "description": "5 tier-qualifying night credits each anniversary year, plus 2 additional credits per $5,000 spent.",
          "icon": "gift.fill"
        },
        {
          "name": "Bonus Free Night at $15K Spend",
          "description": "Earn an extra Cat 1-4 Free Night Award if you spend $15,000 in a calendar year.",
          "icon": "gift.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $5,000 per person, $10,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Up to $3,000 per passenger for lost checked or carry-on bags.",
          "icon": "bag.fill"
        },
        {
          "name": "Baggage Delay Insurance",
          "description": "Up to $100/day for 5 days when checked baggage is delayed 6+ hours.",
          "icon": "bag.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "chase_world_of_hyatt_business",
      "name": "World of Hyatt Business Credit Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_world_of_hyatt_business",
      "annual_fee": 199,
      "benefits": [
        {
          "id": "chase_woh_biz_hyatt_credit",
          "name": "Hyatt Statement Credit",
          "description": "$50 statement credit for each $50+ Hyatt purchase, up to 2 times each anniversary year ($100 total).",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "hotel",
          "is_enrollment_required": false,
          "notes": "Each $50 credit triggers per qualifying Hyatt purchase. Resets at card anniversary."
        }
      ],
      "perks": [
        {
          "name": "World of Hyatt Discoverist Status",
          "description": "Complimentary Discoverist status for the cardmember plus up to 5 employees as long as the account is open.",
          "icon": "crown.fill"
        },
        {
          "name": "5 Tier-Qualifying Nights per $10K Spend",
          "description": "Earn 5 tier-qualifying nights for every $10,000 in calendar-year spend toward elite status.",
          "icon": "gift.fill"
        },
        {
          "name": "10% Point Rebate at $50K Spend",
          "description": "After spending $50,000 in a calendar year, receive 10% of redeemed points back (up to 20,000 points/year).",
          "icon": "gift.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $5,000 per person, $10,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW (Primary)",
          "description": "Primary coverage on eligible rentals when used for business purposes.",
          "icon": "car.fill"
        },
        {
          "name": "Cell Phone Protection",
          "description": "Up to $1,000 per claim (max 3/year, $50 deductible) when you pay your cell bill with the card.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "amex_marriott_bevy",
      "name": "Marriott Bonvoy Bevy\u00ae American Express\u00ae Card",
      "issuer": "American Express",
      "image_asset_name": "card_amex_marriott_bevy",
      "annual_fee": 250,
      "benefits": [],
      "perks": [
        {
          "name": "Marriott Bonvoy Gold Elite Status",
          "description": "Complimentary Gold Elite status \u2014 includes 25% point bonus, room upgrades when available, and 2 PM late checkout.",
          "icon": "crown.fill"
        },
        {
          "name": "15 Elite Night Credits",
          "description": "15 Elite Night Credits each calendar year toward the next level of Marriott Bonvoy Elite status.",
          "icon": "gift.fill"
        },
        {
          "name": "Free Night Award at $15K Spend",
          "description": "Earn 1 Free Night Award (up to 50,000 points) after $15,000 in calendar-year spend. Each certificate expires 12 months from issuance.",
          "icon": "gift.fill"
        },
        {
          "name": "Trip Delay Insurance",
          "description": "Reimbursement when your trip is delayed 6+ hours.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Baggage Insurance",
          "description": "Coverage for lost or damaged bags on a common carrier.",
          "icon": "bag.fill"
        },
        {
          "name": "Car Rental Loss & Damage",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 90 days.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "amex_marriott_business",
      "name": "Marriott Bonvoy Business\u00ae American Express\u00ae Card",
      "issuer": "American Express",
      "image_asset_name": "card_amex_marriott_business",
      "annual_fee": 125,
      "benefits": [
        {
          "id": "amex_marriott_business_free_night",
          "name": "Anniversary Free Night Award",
          "description": "Each year after your card renewal, receive 1 Free Night Award valid at a Marriott Bonvoy property with a redemption level up to 35,000 points.",
          "value_amount": 1.0,
          "currency_symbol": "night",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "hotel",
          "is_enrollment_required": false,
          "notes": "Posts ~8-10 weeks after card anniversary. Each award expires 12 months from issuance. Top off with up to 25,000 of your own points."
        }
      ],
      "perks": [
        {
          "name": "Marriott Bonvoy Gold Elite Status",
          "description": "Complimentary Gold Elite status \u2014 25% point bonus, room upgrades when available, 2 PM late checkout.",
          "icon": "crown.fill"
        },
        {
          "name": "15 Elite Night Credits",
          "description": "15 Elite Night Credits each calendar year toward the next level of Marriott Bonvoy Elite status.",
          "icon": "gift.fill"
        },
        {
          "name": "Bonus Free Night at $60K Spend",
          "description": "Earn an additional Free Night Award (up to 35,000 points) after $60,000 in calendar-year spend.",
          "icon": "gift.fill"
        },
        {
          "name": "Trip Delay Insurance",
          "description": "Reimbursement when your trip is delayed 6+ hours.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Baggage Insurance",
          "description": "Coverage for lost or damaged bags on a common carrier.",
          "icon": "bag.fill"
        },
        {
          "name": "Car Rental Loss & Damage",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Global Assist Hotline",
          "description": "24/7 medical, legal, and travel help when more than 100 miles from home.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "chase_marriott_bold",
      "name": "Marriott Bonvoy Bold\u00ae Credit Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_marriott_bold",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Marriott Bonvoy Silver Elite Status",
          "description": "Complimentary Silver Elite status \u2014 10% point bonus, dedicated reservation line, late checkout when available.",
          "icon": "crown.fill"
        },
        {
          "name": "5 Elite Night Credits",
          "description": "5 Elite Night Credits each calendar year toward the next level of Marriott Bonvoy Elite status.",
          "icon": "gift.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $1,500 per person, $6,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Up to $3,000 per passenger for lost checked or carry-on bags.",
          "icon": "bag.fill"
        },
        {
          "name": "Baggage Delay Insurance",
          "description": "Up to $100/day for 5 days when checked baggage is delayed 6+ hours.",
          "icon": "bag.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "amex_hilton_surpass",
      "name": "Hilton Honors American Express Surpass\u00ae Card",
      "issuer": "American Express",
      "image_asset_name": "card_amex_hilton_surpass",
      "annual_fee": 150,
      "benefits": [
        {
          "id": "amex_hilton_surpass_credit",
          "name": "Hilton Statement Credit",
          "description": "Up to $50 in statement credits per quarter for purchases made directly with a property in the Hilton portfolio (bookings, dining, incidentals). $200 total annually.",
          "value_amount": 200.0,
          "currency_symbol": "$",
          "reset_frequency": "quarterly",
          "reset_rule": "calendar_year",
          "category": "hotel",
          "is_enrollment_required": false,
          "notes": "Triggered by any eligible Hilton property purchase up to $50/quarter."
        }
      ],
      "perks": [
        {
          "name": "Hilton Honors Gold Status",
          "description": "Complimentary Hilton Honors Gold status \u2014 includes space-available room upgrades, daily F&B credit at U.S. hotels, and 80% point bonus.",
          "icon": "crown.fill"
        },
        {
          "name": "Path to Diamond Status",
          "description": "Earn an upgrade to Hilton Honors Diamond status through the next calendar year by spending $40,000 in a calendar year.",
          "icon": "gift.fill"
        },
        {
          "name": "Free Night at $15K Spend",
          "description": "Earn a Free Night Reward after spending $15,000 in a calendar year.",
          "icon": "gift.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 90 days.",
          "icon": "bag.fill"
        },
        {
          "name": "Car Rental Loss & Damage",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Baggage Insurance",
          "description": "Coverage for lost or damaged bags on a common carrier.",
          "icon": "bag.fill"
        }
      ]
    },
    {
      "id": "amex_hilton_honors",
      "name": "Hilton Honors American Express Card",
      "issuer": "American Express",
      "image_asset_name": "card_amex_hilton_honors",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Hilton Honors Silver Status",
          "description": "Complimentary Hilton Honors Silver status \u2014 includes 5th-night-free on point bookings and 20% point bonus.",
          "icon": "crown.fill"
        },
        {
          "name": "Path to Gold Status",
          "description": "Earn an upgrade to Hilton Honors Gold status by spending $20,000 in a calendar year.",
          "icon": "gift.fill"
        },
        {
          "name": "Free Night at $15K Spend (Limited Time)",
          "description": "Currently earning a Free Night Reward after $15,000 in calendar-year spend during current welcome offers (varies).",
          "icon": "gift.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 90 days.",
          "icon": "bag.fill"
        },
        {
          "name": "Car Rental Loss & Damage",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        }
      ]
    },
    {
      "id": "amex_hilton_business",
      "name": "The Hilton Honors American Express Business Card",
      "issuer": "American Express",
      "image_asset_name": "card_amex_hilton_business",
      "annual_fee": 195,
      "benefits": [
        {
          "id": "amex_hilton_business_credit",
          "name": "Hilton Statement Credit",
          "description": "Up to $60 in statement credits per quarter for purchases made directly with a property in the Hilton portfolio. $240 total annually.",
          "value_amount": 240.0,
          "currency_symbol": "$",
          "reset_frequency": "quarterly",
          "reset_rule": "calendar_year",
          "category": "hotel",
          "is_enrollment_required": false,
          "notes": "Triggered by any eligible Hilton property purchase up to $60/quarter."
        }
      ],
      "perks": [
        {
          "name": "Hilton Honors Gold Status",
          "description": "Complimentary Hilton Honors Gold status \u2014 space-available upgrades, daily F&B credit at U.S. hotels, 80% point bonus.",
          "icon": "crown.fill"
        },
        {
          "name": "Path to Diamond Status",
          "description": "Earn upgrade to Diamond status through the next calendar year by spending $40,000 in a calendar year.",
          "icon": "gift.fill"
        },
        {
          "name": "National Car Rental Emerald Club Executive",
          "description": "Complimentary Executive elite status with National. Enrollment required.",
          "icon": "car.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $10,000 per trip ($20,000 per 12-month period) for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Trip Delay Insurance",
          "description": "Up to $300 per delayed trip (12+ hour delay).",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Baggage Insurance",
          "description": "Up to $1,250 carry-on / $500 checked baggage coverage.",
          "icon": "bag.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 90 days.",
          "icon": "bag.fill"
        },
        {
          "name": "Global Assist Hotline",
          "description": "24/7 medical, legal, and travel help when more than 100 miles from home.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "chase_ihg_premier_business",
      "name": "IHG One Rewards Premier Business Credit Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_ihg_premier_business",
      "annual_fee": 99,
      "benefits": [
        {
          "id": "chase_ihg_premier_biz_free_night",
          "name": "Anniversary Free Night Award",
          "description": "Each year on your account anniversary, receive a Free Night reward valid at IHG hotels with a redemption level up to 40,000 points per night. Top off with points for higher-category properties.",
          "value_amount": 1.0,
          "currency_symbol": "night",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "hotel",
          "is_enrollment_required": false,
          "notes": "Posts 4-8 weeks after card anniversary. Each award expires 12 months from issuance."
        },
        {
          "id": "chase_ihg_premier_biz_travelbank",
          "name": "United TravelBank Cash",
          "description": "Up to $50 in annual United TravelBank Cash for eligible United flights. Posts in two $25 deposits.",
          "value_amount": 50.0,
          "currency_symbol": "$",
          "reset_frequency": "semi_annual",
          "reset_rule": "calendar_year",
          "category": "airline",
          "is_enrollment_required": true,
          "notes": "Must register at ihg.com/united linking IHG card to MileagePlus."
        },
        {
          "id": "chase_ihg_premier_biz_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $120 credit for Global Entry, TSA PreCheck, or NEXUS application fees every 4 years.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        }
      ],
      "perks": [
        {
          "name": "IHG One Rewards Platinum Elite Status",
          "description": "Automatic Platinum Elite status \u2014 complimentary upgrades, late checkout, Premium Wi-Fi, 60% point bonus.",
          "icon": "crown.fill"
        },
        {
          "name": "4th Reward Night Free",
          "description": "When redeeming points for 4+ consecutive nights at any IHG hotel, the 4th night is free.",
          "icon": "gift.fill"
        },
        {
          "name": "$100 + 10K Bonus at $20K Spend",
          "description": "Earn a $100 statement credit and 10,000 bonus points after spending $20,000 in a calendar year.",
          "icon": "gift.fill"
        },
        {
          "name": "20% Discount on Points Purchases",
          "description": "Save 20% when buying IHG One Rewards points with your card.",
          "icon": "creditcard"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $5,000 per person, $10,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Primary coverage on eligible rentals when used for business purposes.",
          "icon": "car.fill"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Up to $3,000 per passenger for lost checked or carry-on bags.",
          "icon": "bag.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "chase_ihg_traveler",
      "name": "IHG One Rewards Traveler Credit Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_ihg_traveler",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "IHG One Rewards Silver Elite Status",
          "description": "Complimentary Silver Elite status \u2014 20% point bonus on stays, points that never expire.",
          "icon": "crown.fill"
        },
        {
          "name": "4th Reward Night Free",
          "description": "When redeeming points for 4+ consecutive nights at any IHG hotel, the 4th night is free.",
          "icon": "gift.fill"
        },
        {
          "name": "Path to Gold Elite at $20K Spend",
          "description": "Earn IHG Gold Elite status by spending $20,000 in a calendar year (plus one additional purchase).",
          "icon": "gift.fill"
        },
        {
          "name": "10K Bonus at $10K Spend",
          "description": "Earn 10,000 bonus points after spending $10,000 in an account calendar year.",
          "icon": "gift.fill"
        },
        {
          "name": "20% Discount on Points Purchases",
          "description": "Save 20% when buying IHG One Rewards points with your card.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "barclays_wyndham_earner",
      "name": "Wyndham Rewards\u00ae Earner\u2120 Card",
      "issuer": "Barclays",
      "image_asset_name": "card_barclays_wyndham_earner",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Wyndham Rewards Gold Status",
          "description": "Complimentary Gold-level status \u2014 preferred room selection, free Wi-Fi, late checkout.",
          "icon": "crown.fill"
        },
        {
          "name": "7,500 Anniversary Bonus Points",
          "description": "Earn 7,500 bonus points each card anniversary if you spend $15,000 in the prior cardmember year. Worth roughly one free night.",
          "icon": "gift.fill"
        },
        {
          "name": "10% Off go free\u00ae Awards",
          "description": "Redeem 10% fewer points on go free\u00ae Wyndham award nights.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Coverage on eligible rentals when charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Cell Phone Protection",
          "description": "Coverage for damage or theft when you pay your monthly cell bill with the card.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Purchase Security",
          "description": "Coverage for eligible new purchases against damage or theft.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "wf_choice_privileges_select",
      "name": "Choice Privileges\u00ae Select Mastercard\u00ae",
      "issuer": "Wells Fargo",
      "image_asset_name": "card_wf_choice_privileges_select",
      "annual_fee": 95,
      "benefits": [
        {
          "id": "wf_choice_select_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $100 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        }
      ],
      "perks": [
        {
          "name": "Choice Privileges Platinum Elite Status",
          "description": "Complimentary Platinum elite \u2014 complimentary upgrades when available, early check-in, late checkout, 25% point bonus on paid stays.",
          "icon": "crown.fill"
        },
        {
          "name": "30,000 Anniversary Bonus Points",
          "description": "Receive 30,000 bonus points each year on card renewal \u2014 enough for up to 3 reward nights.",
          "icon": "gift.fill"
        },
        {
          "name": "Cell Phone Protection",
          "description": "Coverage for damage or theft when you pay your monthly cell bill with the card.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "World Elite Mastercard Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Purchase Assurance",
          "description": "Coverage for new purchases against damage or theft.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "wf_choice_privileges",
      "name": "Choice Privileges\u00ae Mastercard\u00ae",
      "issuer": "Wells Fargo",
      "image_asset_name": "card_wf_choice_privileges",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Choice Privileges Gold Elite Status",
          "description": "Complimentary Gold elite \u2014 early check-in, late checkout, dedicated phone line, 10% point bonus.",
          "icon": "crown.fill"
        },
        {
          "name": "8,000 Anniversary Bonus Points",
          "description": "Receive 8,000 bonus points each year on card renewal.",
          "icon": "gift.fill"
        },
        {
          "name": "Cell Phone Protection",
          "description": "Coverage for damage or theft when you pay your monthly cell bill with the card.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Purchase Assurance",
          "description": "Coverage for new purchases against damage or theft.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "wf_one_key_plus",
      "name": "One Key+\u2122 Card",
      "issuer": "Wells Fargo",
      "image_asset_name": "card_wf_one_key_plus",
      "annual_fee": 99,
      "benefits": [
        {
          "id": "wf_one_key_plus_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $120 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        }
      ],
      "perks": [
        {
          "name": "$100 OneKeyCash Anniversary Bonus",
          "description": "Earn $100 in OneKeyCash each card anniversary after making a single One Key program booking.",
          "icon": "gift.fill"
        },
        {
          "name": "One Key Gold Status",
          "description": "Complimentary One Key Gold tier \u2014 20%+ savings on 10,000+ hotels, priority support, in-stay perks at VIP Access properties.",
          "icon": "crown.fill"
        },
        {
          "name": "Cell Phone Protection",
          "description": "Up to $1,000 per claim (max 2/year) when you pay your monthly cell bill with the card.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Reimbursement for prepaid, non-refundable travel charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "VIP Access In-Stay Perks",
          "description": "Complimentary upgrades when available, F&B extras at select VIP Access properties.",
          "icon": "crown.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "wf_one_key",
      "name": "One Key\u2122 Card",
      "issuer": "Wells Fargo",
      "image_asset_name": "card_wf_one_key",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "One Key Member Benefits",
          "description": "Earn OneKeyCash on every purchase, redeemable at Expedia, Hotels.com, and Vrbo.",
          "icon": "gift.fill"
        },
        {
          "name": "Cell Phone Protection",
          "description": "Coverage for damage or theft when you pay your monthly cell bill with the card.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Reimbursement for prepaid, non-refundable travel charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Purchase Assurance",
          "description": "Coverage for new purchases against damage or theft.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "amex_delta_blue",
      "name": "Delta SkyMiles\u00ae Blue American Express Card",
      "issuer": "American Express",
      "image_asset_name": "card_amex_delta_blue",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "20% Savings on In-flight Purchases",
          "description": "20% statement credit on eligible Delta in-flight food, beverage, and audio headset purchases.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        },
        {
          "name": "Baggage Insurance",
          "description": "Coverage for lost or damaged carry-on and checked baggage on a common carrier.",
          "icon": "bag.fill"
        },
        {
          "name": "Car Rental Loss & Damage Insurance",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Global Assist Hotline",
          "description": "24/7 medical, legal, and travel help when more than 100 miles from home.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against accidental damage or theft for up to 90 days.",
          "icon": "bag.fill"
        }
      ]
    },
    {
      "id": "amex_delta_gold",
      "name": "Delta SkyMiles\u00ae Gold American Express Card",
      "issuer": "American Express",
      "image_asset_name": "card_amex_delta_gold",
      "annual_fee": 150,
      "benefits": [
        {
          "id": "amex_delta_gold_resy",
          "name": "Resy Credit",
          "description": "Up to $10 per month in statement credits at U.S. Resy restaurants. $120 total annually.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "dining",
          "monthly_cap": 10.0,
          "is_enrollment_required": true,
          "notes": "Add card to Resy profile to enroll."
        },
        {
          "id": "amex_delta_gold_flight_credit",
          "name": "Annual Delta Flight Credit",
          "description": "Receive a $200 Delta Flight Credit toward a future Delta flight after spending $10,000 on the card in a calendar year.",
          "value_amount": 200.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "airline",
          "is_enrollment_required": false,
          "notes": "Conditional benefit \u2014 only earned at the $10K spend threshold. Credit expires 12 months after issuance."
        }
      ],
      "perks": [
        {
          "name": "First & Second Checked Bag Free",
          "description": "First checked bag free on Delta flights, plus a free second checked bag on domestic Delta-operated flights, for the cardmember and up to 8 companions on the same reservation (as of June 4, 2026).",
          "icon": "bag.fill"
        },
        {
          "name": "Zone 5 Priority Boarding",
          "description": "Zone 5 priority boarding on Delta-operated flights.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "20% Savings on In-flight Purchases",
          "description": "20% back as a statement credit on eligible Delta in-flight food, beverage, and audio headset purchases.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Baggage Insurance",
          "description": "Coverage for lost or damaged carry-on and checked baggage on a common carrier.",
          "icon": "bag.fill"
        },
        {
          "name": "Car Rental Loss & Damage Insurance",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Global Assist Hotline",
          "description": "24/7 medical, legal, and travel help when more than 100 miles from home.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "amex_delta_gold_business",
      "name": "Delta SkyMiles\u00ae Gold Business American Express Card",
      "issuer": "American Express",
      "image_asset_name": "card_amex_delta_gold_business",
      "annual_fee": 150,
      "benefits": [
        {
          "id": "amex_delta_gold_biz_resy",
          "name": "Resy Credit",
          "description": "Up to $10 per month in statement credits at U.S. Resy restaurants. $120 total annually.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "dining",
          "monthly_cap": 10.0,
          "is_enrollment_required": true
        },
        {
          "id": "amex_delta_gold_biz_flight_credit",
          "name": "Annual Delta Flight Credit",
          "description": "Receive a $200 Delta Flight Credit toward a future Delta flight after spending $10,000 on the card in a calendar year.",
          "value_amount": 200.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "airline",
          "is_enrollment_required": false,
          "notes": "Conditional on $10K calendar-year spend. Credit expires 12 months after issuance."
        }
      ],
      "perks": [
        {
          "name": "First & Second Checked Bag Free",
          "description": "First checked bag free on Delta flights, plus a free second checked bag on domestic Delta-operated flights, for the cardmember and up to 8 companions on the same reservation (as of June 4, 2026).",
          "icon": "bag.fill"
        },
        {
          "name": "Zone 5 Priority Boarding",
          "description": "Zone 5 priority boarding on Delta-operated flights.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "20% Savings on In-flight Purchases",
          "description": "20% back as a statement credit on eligible Delta in-flight food, beverage, and audio headset purchases.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Baggage Insurance",
          "description": "Coverage for lost or damaged carry-on and checked baggage on a common carrier.",
          "icon": "bag.fill"
        },
        {
          "name": "Car Rental Loss & Damage Insurance",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Global Assist Hotline",
          "description": "24/7 medical, legal, and travel help when more than 100 miles from home.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "amex_delta_platinum_business",
      "name": "Delta SkyMiles\u00ae Platinum Business American Express Card",
      "issuer": "American Express",
      "image_asset_name": "card_amex_delta_platinum_business",
      "annual_fee": 350,
      "benefits": [
        {
          "id": "amex_delta_plat_biz_resy",
          "name": "Resy Credit",
          "description": "Up to $10 per month in statement credits at U.S. Resy restaurants. $120 total annually.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "dining",
          "monthly_cap": 10.0,
          "is_enrollment_required": true
        },
        {
          "id": "amex_delta_plat_biz_uber_one",
          "name": "Uber One Membership Credit",
          "description": "Up to $9.99 per month statement credit (up to $120/year) when you pay for Uber One monthly membership with the card.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "transport",
          "monthly_cap": 9.99,
          "is_enrollment_required": true
        },
        {
          "id": "amex_delta_plat_biz_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $120 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        },
        {
          "id": "amex_delta_plat_biz_companion",
          "name": "Annual Companion Certificate",
          "description": "Receive 1 Companion Certificate each year after card renewal, good for one round-trip ticket in Main Cabin within the U.S., Mexico, Caribbean, or Central America. Pay only taxes/fees ($80 domestic, $250 international max).",
          "value_amount": 1.0,
          "currency_symbol": "companion",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "airline",
          "is_enrollment_required": false,
          "notes": "Auto-issued to your SkyMiles account after card renewal. Each certificate expires 1 year from issuance."
        }
      ],
      "perks": [
        {
          "name": "First & Second Checked Bag Free",
          "description": "First checked bag free on Delta flights, plus a free second checked bag on domestic Delta-operated flights, for the cardmember and up to 8 companions on the same reservation (as of June 4, 2026).",
          "icon": "bag.fill"
        },
        {
          "name": "Zone 5 Priority Boarding",
          "description": "Zone 5 priority boarding on Delta-operated flights.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "20% Savings on In-flight Purchases",
          "description": "20% back as a statement credit on eligible Delta in-flight food, beverage, and audio headset purchases.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Medallion Qualification Boost",
          "description": "Earn Medallion Qualification Dollars (MQDs) at $1 per $20 spent.",
          "icon": "crown.fill"
        },
        {
          "name": "Baggage Insurance",
          "description": "Coverage for lost or damaged carry-on and checked baggage on a common carrier.",
          "icon": "bag.fill"
        },
        {
          "name": "Car Rental Loss & Damage Insurance",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Trip Delay Insurance",
          "description": "Reimbursement when your trip is delayed 12+ hours.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "amex_delta_reserve_business",
      "name": "Delta SkyMiles\u00ae Reserve Business American Express Card",
      "issuer": "American Express",
      "image_asset_name": "card_amex_delta_reserve_business",
      "annual_fee": 650,
      "benefits": [
        {
          "id": "amex_delta_reserve_biz_resy",
          "name": "Resy Credit",
          "description": "Up to $20 per month in statement credits at U.S. Resy restaurants. $240 total annually.",
          "value_amount": 240.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "dining",
          "monthly_cap": 20.0,
          "is_enrollment_required": true
        },
        {
          "id": "amex_delta_reserve_biz_uber_one",
          "name": "Uber One Membership Credit",
          "description": "Up to $9.99 per month statement credit (up to $120/year) when you pay for Uber One monthly membership with the card.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "transport",
          "monthly_cap": 9.99,
          "is_enrollment_required": true
        },
        {
          "id": "amex_delta_reserve_biz_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $120 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        },
        {
          "id": "amex_delta_reserve_biz_companion",
          "name": "Annual Companion Certificate",
          "description": "Receive 1 Companion Certificate each year after card renewal, good for one round-trip ticket in First, Comfort+, or Main Cabin within the U.S., Mexico, Caribbean, or Central America. Pay only taxes/fees ($80 domestic, $250 international max).",
          "value_amount": 1.0,
          "currency_symbol": "companion",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "airline",
          "is_enrollment_required": false,
          "notes": "Auto-issued to your SkyMiles account after card renewal. Each certificate expires 1 year from issuance."
        }
      ],
      "perks": [
        {
          "name": "Delta Sky Club Access",
          "description": "Complimentary Delta Sky Club access for the cardmember when flying same-day on Delta. Guest access requires a fee or sufficient MQD.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Centurion Lounge Access",
          "description": "Centurion Lounge access when flying same-day on a Delta-marketed/operated flight booked with the card.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "First & Second Checked Bag Free",
          "description": "First checked bag free on Delta flights, plus a free second checked bag on domestic Delta-operated flights, for the cardmember and up to 8 companions on the same reservation (as of June 4, 2026).",
          "icon": "bag.fill"
        },
        {
          "name": "Priority Boarding",
          "description": "Main Cabin 1 priority boarding on Delta-operated flights.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "20% Savings on In-flight Purchases",
          "description": "20% back as a statement credit on eligible Delta in-flight food, beverage, and audio headset purchases.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Medallion Qualification Boost",
          "description": "Earn Medallion Qualification Dollars (MQDs) at $1 per $10 spent.",
          "icon": "crown.fill"
        },
        {
          "name": "Upgrade Priority",
          "description": "Higher upgrade priority over others within your Medallion tier.",
          "icon": "gift.fill"
        },
        {
          "name": "Baggage Insurance",
          "description": "Coverage for lost or damaged carry-on and checked baggage on a common carrier.",
          "icon": "bag.fill"
        },
        {
          "name": "Trip Delay Insurance",
          "description": "Reimbursement when your trip is delayed 12+ hours.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "amex_blue_cash_everyday",
      "name": "Blue Cash Everyday\u00ae Card from American Express",
      "issuer": "American Express",
      "image_asset_name": "card_amex_blue_cash_everyday",
      "annual_fee": 0,
      "benefits": [
        {
          "id": "amex_bce_disney",
          "name": "Disney Streaming Credit",
          "description": "Up to $7 in monthly statement credits ($84 annually) on eligible subscriptions to Disney+, Hulu, or ESPN (including bundles or standalone services).",
          "value_amount": 84.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "other",
          "monthly_cap": 7.0,
          "is_enrollment_required": true
        },
        {
          "id": "amex_bce_home_chef",
          "name": "Home Chef Credit",
          "description": "Up to $15 in monthly statement credits ($180 annually) on online Home Chef purchases.",
          "value_amount": 180.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "dining",
          "monthly_cap": 15.0,
          "is_enrollment_required": true
        }
      ],
      "perks": [
        {
          "name": "3% on U.S. Supermarkets",
          "description": "3% cash back on U.S. supermarkets on up to $6,000 per year in purchases, then 1%.",
          "icon": "gift.fill"
        },
        {
          "name": "3% on U.S. Online Retail",
          "description": "3% cash back on U.S. online retail purchases on up to $6,000 per year in purchases, then 1%.",
          "icon": "gift.fill"
        },
        {
          "name": "3% on U.S. Gas Stations",
          "description": "3% cash back at U.S. gas stations on up to $6,000 per year in purchases, then 1%.",
          "icon": "gift.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against accidental damage or theft for up to 90 days.",
          "icon": "bag.fill"
        },
        {
          "name": "Car Rental Loss & Damage Insurance",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Global Assist Hotline",
          "description": "24/7 medical, legal, and travel help when more than 100 miles from home.",
          "icon": "phone.circle.fill"
        }
      ]
    },
    {
      "id": "amex_blue_business_plus",
      "name": "The Blue Business\u00ae Plus Credit Card from American Express",
      "issuer": "American Express",
      "image_asset_name": "card_amex_blue_business_plus",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "2x on First $50K",
          "description": "Earn 2x Membership Rewards points per dollar on the first $50,000 in eligible purchases per year, then 1x.",
          "icon": "gift.fill"
        },
        {
          "name": "Expanded Buying Power",
          "description": "Spend above your credit limit when needed (subject to underwriting).",
          "icon": "creditcard"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against accidental damage or theft for up to 90 days.",
          "icon": "bag.fill"
        },
        {
          "name": "Extended Warranty",
          "description": "Adds up to one extra year on eligible warranties of five years or less.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Car Rental Loss & Damage Insurance",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Global Assist Hotline",
          "description": "24/7 medical, legal, and travel help when more than 100 miles from home.",
          "icon": "phone.circle.fill"
        }
      ]
    },
    {
      "id": "amex_blue_business_cash",
      "name": "The American Express Blue Business Cash\u2122 Card",
      "issuer": "American Express",
      "image_asset_name": "card_amex_blue_business_cash",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "2% Cash Back on First $50K",
          "description": "Earn 2% cash back on the first $50,000 in eligible purchases per year, then 1%.",
          "icon": "gift.fill"
        },
        {
          "name": "Expanded Buying Power",
          "description": "Spend above your credit limit when needed (subject to underwriting).",
          "icon": "creditcard"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against accidental damage or theft for up to 90 days.",
          "icon": "bag.fill"
        },
        {
          "name": "Extended Warranty",
          "description": "Adds up to one extra year on eligible warranties of five years or less.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Car Rental Loss & Damage Insurance",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Global Assist Hotline",
          "description": "24/7 medical, legal, and travel help when more than 100 miles from home.",
          "icon": "phone.circle.fill"
        }
      ]
    },
    {
      "id": "amex_business_green",
      "name": "Business Green Rewards Card from American Express",
      "issuer": "American Express",
      "image_asset_name": "card_amex_business_green",
      "annual_fee": 95,
      "benefits": [],
      "perks": [
        {
          "name": "2x at Amex Travel",
          "description": "Earn 2x Membership Rewards points on eligible purchases at amextravel.com.",
          "icon": "gift.fill"
        },
        {
          "name": "Pay Over Time",
          "description": "Flexibility to pay over time on eligible purchases (subject to terms).",
          "icon": "creditcard"
        },
        {
          "name": "Expanded Buying Power",
          "description": "Spend above your credit limit when needed (subject to underwriting).",
          "icon": "creditcard"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against accidental damage or theft for up to 90 days.",
          "icon": "bag.fill"
        },
        {
          "name": "Extended Warranty",
          "description": "Adds up to one extra year on eligible warranties of five years or less.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Car Rental Loss & Damage Insurance",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Global Assist Hotline",
          "description": "24/7 medical, legal, and travel help when more than 100 miles from home.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "amex_graphite_business_cash",
      "name": "Graphite\u2122 Business Cash Unlimited Card",
      "issuer": "American Express",
      "image_asset_name": "card_amex_graphite_business",
      "annual_fee": 295,
      "benefits": [
        {
          "id": "amex_graphite_oneap",
          "name": "American Express One AP Credit",
          "description": "Earn up to $2,400 in statement credits for the next calendar year on American Express One AP monthly fees after spending $250,000 on eligible purchases on the card in the current calendar year.",
          "value_amount": 2400.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "other",
          "is_enrollment_required": true,
          "notes": "Conditional on $250K calendar-year spend. Credits issued and used in the following calendar year."
        }
      ],
      "perks": [
        {
          "name": "2% Cash Back on All Purchases",
          "description": "Unlimited 2% cash back in Reward Dollars on every eligible purchase, no category caps.",
          "icon": "gift.fill"
        },
        {
          "name": "5% Cash Back on Amex Travel",
          "description": "5% cash back on flights and prepaid hotels booked through American Express Travel Online.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Pay Over Time",
          "description": "Flexibility to pay over time on eligible purchases (subject to terms).",
          "icon": "creditcard"
        },
        {
          "name": "No Preset Spending Limit",
          "description": "Spending power adjusts with your business needs (subject to underwriting).",
          "icon": "creditcard"
        },
        {
          "name": "Return Protection",
          "description": "Reimbursement when a merchant won't take a return within a covered window.",
          "icon": "arrow.uturn.backward.circle.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against accidental damage or theft for up to 90 days.",
          "icon": "bag.fill"
        },
        {
          "name": "Extended Warranty",
          "description": "Adds up to one extra year on eligible warranties of five years or less.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Car Rental Loss & Damage Insurance",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "amex_amazon_business",
      "name": "Amazon Business American Express Card",
      "issuer": "American Express",
      "image_asset_name": "card_amex_amazon_business",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "3% Back at Amazon Business / AWS / Whole Foods",
          "description": "Choose between 3% back on the first $120K/year in eligible Amazon Business, AWS, Amazon.com, and Whole Foods purchases (then 1%) \u2014 OR 60-day 0% APR on those purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "60-Day 0% APR Option",
          "description": "If chosen instead of cash back, qualifying Amazon purchases get 60 days interest-free.",
          "icon": "creditcard"
        },
        {
          "name": "Up to 99 Free Employee Cards",
          "description": "Issue free employee cards with individual spending limits and detailed reporting.",
          "icon": "creditcard"
        },
        {
          "name": "Baggage Insurance",
          "description": "Coverage for lost or damaged carry-on and checked baggage on a common carrier.",
          "icon": "bag.fill"
        },
        {
          "name": "Car Rental Loss & Damage Insurance",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Global Assist Hotline",
          "description": "24/7 medical, legal, and travel help when more than 100 miles from home.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "amex_amazon_business_prime",
      "name": "Amazon Business Prime American Express Card",
      "issuer": "American Express",
      "image_asset_name": "card_amex_amazon_business_prime",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "5% Back at Amazon Business / AWS / Whole Foods",
          "description": "Choose between 5% back on the first $120K/year in eligible Amazon Business, AWS, Amazon.com, and Whole Foods purchases (then 1%) \u2014 OR 90-day 0% APR. Requires an active Business Prime membership.",
          "icon": "gift.fill"
        },
        {
          "name": "90-Day 0% APR Option",
          "description": "If chosen instead of cash back, qualifying Amazon purchases get 90 days interest-free.",
          "icon": "creditcard"
        },
        {
          "name": "2% Back at Restaurants / Gas / Wireless",
          "description": "2% back at U.S. restaurants, gas stations, and on wireless services purchased directly from U.S. carriers.",
          "icon": "gift.fill"
        },
        {
          "name": "Up to 99 Free Employee Cards",
          "description": "Issue free employee cards with individual spending limits and detailed reporting.",
          "icon": "creditcard"
        },
        {
          "name": "Baggage Insurance",
          "description": "Coverage for lost or damaged carry-on and checked baggage on a common carrier.",
          "icon": "bag.fill"
        },
        {
          "name": "Car Rental Loss & Damage Insurance",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Global Assist Hotline",
          "description": "24/7 medical, legal, and travel help when more than 100 miles from home.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "amex_macys",
      "name": "Macy's American Express\u00ae Card",
      "issuer": "American Express",
      "image_asset_name": "card_amex_macys",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Star Rewards Program",
          "description": "Earn Star Money rewards on Macy's purchases plus bonus categories on travel, restaurants, and gas as a Star Rewards member.",
          "icon": "gift.fill"
        },
        {
          "name": "Birthday Surprise",
          "description": "Annual birthday surprise from Macy's for cardmembers.",
          "icon": "gift.fill"
        },
        {
          "name": "Star Pass Sale Access",
          "description": "Exclusive shopping benefits and early access to Star Money days.",
          "icon": "gift.fill"
        },
        {
          "name": "Free Shipping",
          "description": "Free shipping on Macys.com orders at qualifying spend tiers.",
          "icon": "bag.fill"
        },
        {
          "name": "Car Rental Loss & Damage Insurance",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Global Assist Hotline",
          "description": "24/7 medical, legal, and travel help when more than 100 miles from home.",
          "icon": "phone.circle.fill"
        }
      ]
    },
    {
      "id": "chase_british_airways",
      "name": "British Airways Visa Signature\u00ae Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_british_airways",
      "annual_fee": 95,
      "benefits": [],
      "perks": [
        {
          "name": "Travel Together Ticket",
          "description": "Earn a Travel Together Ticket each calendar year you spend $30,000 on the card. Use it on a BA, Iberia, or Aer Lingus award flight for a companion. Valid for 2 years from issuance.",
          "icon": "person.2.fill"
        },
        {
          "name": "3x Avios on Avios Group Flights",
          "description": "Earn 3 Avios per $1 on British Airways, Iberia, and Aer Lingus flight purchases.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "2x on Hotels",
          "description": "Earn 2 Avios per $1 on hotel accommodations booked directly with the hotel.",
          "icon": "crown.fill"
        },
        {
          "name": "10% Off BA Flights",
          "description": "One-time 10% off discount on a British Airways flight redeemable annually.",
          "icon": "gift.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $1,500 per person, $6,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Up to $3,000 per passenger for lost checked or carry-on bags.",
          "icon": "bag.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "chase_aer_lingus",
      "name": "Aer Lingus Visa Signature\u00ae Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_aer_lingus",
      "annual_fee": 95,
      "benefits": [],
      "perks": [
        {
          "name": "Companion Ticket",
          "description": "Earn an Economy companion ticket each calendar year you spend $30,000 on the card. Redeem with Avios on Aer Lingus, BA, or Iberia.",
          "icon": "person.2.fill"
        },
        {
          "name": "3x Avios on Avios Group Flights",
          "description": "Earn 3 Avios per $1 on Aer Lingus, British Airways, and Iberia flight purchases.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $1,500 per person, $6,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Up to $3,000 per passenger for lost checked or carry-on bags.",
          "icon": "bag.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "chase_iberia",
      "name": "Iberia Visa Signature\u00ae Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_iberia",
      "annual_fee": 95,
      "benefits": [],
      "perks": [
        {
          "name": "Companion Ticket",
          "description": "Earn a companion ticket each calendar year you spend $30,000 on the card. Redeem with Avios on Iberia, BA, or Aer Lingus.",
          "icon": "person.2.fill"
        },
        {
          "name": "3x Avios on Avios Group Flights",
          "description": "Earn 3 Avios per $1 on Iberia, British Airways, and Aer Lingus flight purchases.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $1,500 per person, $6,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Up to $3,000 per passenger for lost checked or carry-on bags.",
          "icon": "bag.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "chase_aeroplan",
      "name": "Aeroplan\u00ae Credit Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_aeroplan",
      "annual_fee": 95,
      "benefits": [],
      "perks": [
        {
          "name": "Aeroplan 25K Status",
          "description": "Complimentary Aeroplan 25K elite status through the next calendar year. Includes priority airport services and Air Canada upgrade priority.",
          "icon": "crown.fill"
        },
        {
          "name": "First Checked Bag Free",
          "description": "First checked bag free for the cardmember and up to 8 companions on the same Air Canada-operated reservation.",
          "icon": "bag.fill"
        },
        {
          "name": "Status Qualifying Credits",
          "description": "Earn up to 25,000 Status Qualifying Credits each calendar year toward elite status.",
          "icon": "gift.fill"
        },
        {
          "name": "35K Elite at $75K Spend",
          "description": "Automatic Aeroplan 35K elite status when you spend $75,000 on the card in a calendar year.",
          "icon": "crown.fill"
        },
        {
          "name": "Pay Yourself Back Travel",
          "description": "Redeem points at fixed rates toward Air Canada flights or transfer to Aeroplan.",
          "icon": "gift.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $5,000 per person, $10,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW (Primary)",
          "description": "Primary coverage when you decline the rental's CDW and charge the rental to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Up to $3,000 per passenger for lost checked or carry-on bags.",
          "icon": "bag.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "chase_disney_premier",
      "name": "Disney\u00ae Premier Visa\u00ae Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_disney_premier",
      "annual_fee": 49,
      "benefits": [],
      "perks": [
        {
          "name": "2% Disney Rewards on Bonus Categories",
          "description": "2% in Disney Rewards Dollars at restaurants, gas stations, grocery stores, and most Disney locations.",
          "icon": "gift.fill"
        },
        {
          "name": "5% on Disney+ / Hulu / ESPN+",
          "description": "5% in Disney Rewards Dollars on direct purchases at DisneyPlus.com, Hulu.com, and ESPNPlus.com.",
          "icon": "tv"
        },
        {
          "name": "Statement Credit Toward Airfare",
          "description": "Redeem Disney Rewards Dollars for statement credits toward airline purchases.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Disney Park Character Photo Ops",
          "description": "Cardmember-exclusive character photo opportunities at the Disney Parks (no normal lines).",
          "icon": "gift.fill"
        },
        {
          "name": "DashPass (1 Year)",
          "description": "One year of complimentary DoorDash DashPass \u2014 $0 delivery fees and reduced service fees on eligible orders. Activation required by Dec 31, 2027.",
          "icon": "gift.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $1,500 per person, $6,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        }
      ]
    },
    {
      "id": "chase_slate",
      "name": "Chase Slate\u00ae",
      "issuer": "Chase",
      "image_asset_name": "card_chase_slate",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "21-Month 0% Intro APR",
          "description": "21-month introductory 0% APR on purchases and balance transfers (BT fee applies).",
          "icon": "creditcard"
        },
        {
          "name": "No Annual Fee",
          "description": "No annual fee for the life of the card.",
          "icon": "creditcard"
        },
        {
          "name": "Free Credit Score",
          "description": "Free credit score and tools via Chase Credit Journey.",
          "icon": "gift.fill"
        },
        {
          "name": "Fraud Protection",
          "description": "24/7 fraud monitoring and zero liability protection.",
          "icon": "lock.shield.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        }
      ]
    },
    {
      "id": "chase_freedom_unlimited",
      "name": "Chase Freedom Unlimited\u00ae",
      "issuer": "Chase",
      "image_asset_name": "card_chase_freedom_unlimited",
      "annual_fee": 0,
      "benefits": [
        {
          "id": "chase_freedom_unlimited_doordash",
          "name": "DoorDash Non-Restaurant Credit",
          "description": "Up to $10 per month in DoorDash credits for non-restaurant orders (grocery, retail, convenience). Through Dec 31, 2027.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "monthly",
          "reset_rule": "calendar_month",
          "category": "shopping",
          "monthly_cap": 10.0,
          "is_enrollment_required": true,
          "notes": "Requires DashPass enrollment. Each monthly credit expires at month-end."
        }
      ],
      "perks": [
        {
          "name": "3% Cash Back at Restaurants & Drugstores",
          "description": "Earn 3% cash back at restaurants (incl. takeout & eligible delivery) and drugstores.",
          "icon": "gift.fill"
        },
        {
          "name": "5% on Chase Travel",
          "description": "5% cash back on travel purchased through Chase Travel\u2120.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Complimentary DashPass",
          "description": "Complimentary DashPass membership through Dec 31, 2027 (activation required).",
          "icon": "gift.fill"
        },
        {
          "name": "Lyft Rewards",
          "description": "5% cash back on Lyft rides through March 31, 2027.",
          "icon": "car.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $1,500 per person, $6,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "Extended Warranty",
          "description": "Adds 1 year to U.S. manufacturer warranties of 3 years or less.",
          "icon": "shield.lefthalf.filled"
        }
      ]
    },
    {
      "id": "chase_freedom_rise",
      "name": "Chase Freedom Rise\u00ae",
      "issuer": "Chase",
      "image_asset_name": "card_chase_freedom_rise",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "1.5% Cash Back on All Purchases",
          "description": "Unlimited 1.5% cash back on every eligible purchase.",
          "icon": "gift.fill"
        },
        {
          "name": "2% Cash Back on Lyft",
          "description": "2% cash back on Lyft rides through Sep 30, 2027.",
          "icon": "car.fill"
        },
        {
          "name": "6 Months of DashPass",
          "description": "6 months of complimentary DoorDash DashPass \u2014 $0 delivery fees on eligible orders.",
          "icon": "gift.fill"
        },
        {
          "name": "$25 Auto-Pay Bonus",
          "description": "$25 statement credit after enrolling in automatic payments within the first 3 months.",
          "icon": "gift.fill"
        },
        {
          "name": "Path to Freedom Unlimited",
          "description": "Annual evaluation for an automatic upgrade to Chase Freedom Unlimited based on payment history and account use.",
          "icon": "creditcard"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $1,500 per person, $6,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "Extended Warranty",
          "description": "Adds 1 year to U.S. manufacturer warranties of 3 years or less.",
          "icon": "shield.lefthalf.filled"
        }
      ]
    },
    {
      "id": "chase_ink_cash",
      "name": "Ink Business Cash\u00ae Credit Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_ink_cash",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "5% Cash Back on Office & Telecom",
          "description": "5% cash back on the first $25,000 in combined annual purchases at office supply stores and on internet, cable, and phone services.",
          "icon": "gift.fill"
        },
        {
          "name": "2% Cash Back on Gas & Dining",
          "description": "2% cash back on the first $25,000 in combined annual purchases at gas stations and restaurants.",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "0% intro APR on purchases for 12 months (then variable).",
          "icon": "creditcard"
        },
        {
          "name": "Free Employee Cards",
          "description": "Issue free employee cards with individual spending limits.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW (Primary)",
          "description": "Primary coverage on eligible rentals when used for business purposes.",
          "icon": "car.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "Extended Warranty",
          "description": "Adds 1 year to U.S. manufacturer warranties of 3 years or less.",
          "icon": "shield.lefthalf.filled"
        }
      ]
    },
    {
      "id": "chase_ink_unlimited",
      "name": "Ink Business Unlimited\u00ae Credit Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_ink_unlimited",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "1.5% Cash Back on All Purchases",
          "description": "Unlimited 1.5% cash back on every eligible business purchase.",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "0% intro APR on purchases for 12 months (then variable).",
          "icon": "creditcard"
        },
        {
          "name": "Free Employee Cards",
          "description": "Issue free employee cards with individual spending limits.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW (Primary)",
          "description": "Primary coverage on eligible rentals when used for business purposes.",
          "icon": "car.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "Extended Warranty",
          "description": "Adds 1 year to U.S. manufacturer warranties of 3 years or less.",
          "icon": "shield.lefthalf.filled"
        }
      ]
    },
    {
      "id": "chase_ink_preferred",
      "name": "Ink Business Preferred\u00ae Credit Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_ink_preferred",
      "annual_fee": 95,
      "benefits": [],
      "perks": [
        {
          "name": "3x on Travel and Select Business Categories",
          "description": "Earn 3 points per $1 on the first $150,000 in combined annual purchases on travel; shipping; internet, cable & phone; and ads on social/search.",
          "icon": "gift.fill"
        },
        {
          "name": "25% Boost in Chase Travel",
          "description": "Points are worth 25% more when redeemed for travel through Chase Travel\u2120.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Cell Phone Protection",
          "description": "Up to $1,000 per claim (max 3/year, $100 deductible) when you pay your monthly cell bill with the card.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $5,000 per person, $10,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Trip Delay Reimbursement",
          "description": "Up to $500 per ticket when your trip is delayed 12+ hours or requires an overnight stay.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW (Primary)",
          "description": "Primary coverage on eligible rentals when used for business purposes.",
          "icon": "car.fill"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Up to $3,000 per passenger for lost checked or carry-on bags.",
          "icon": "bag.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "Extended Warranty",
          "description": "Adds 1 year to U.S. manufacturer warranties of 3 years or less.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "chase_ink_premier",
      "name": "Ink Business Premier\u00ae Credit Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_ink_premier",
      "annual_fee": 195,
      "benefits": [],
      "perks": [
        {
          "name": "2.5% Cash Back on Big Purchases",
          "description": "Unlimited 2.5% total cash back on purchases of $5,000 or more.",
          "icon": "gift.fill"
        },
        {
          "name": "2% Cash Back on Other Purchases",
          "description": "Unlimited 2% cash back on all other business purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "5% on Chase Travel",
          "description": "Unlimited 5% total cash back on travel purchased through Chase Travel\u2120.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Cell Phone Protection",
          "description": "Up to $1,000 per claim when you pay your monthly cell bill with the card.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $5,000 per person, $10,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Trip Delay Reimbursement",
          "description": "Up to $500 per ticket when your trip is delayed 12+ hours.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW (Primary)",
          "description": "Primary coverage on eligible rentals when used for business purposes.",
          "icon": "car.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "Extended Warranty",
          "description": "Adds 1 year to U.S. manufacturer warranties of 3 years or less.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "chase_amazon_visa",
      "name": "Amazon Visa Credit Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_amazon_visa",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "3% Back at Amazon & Whole Foods",
          "description": "3% back as Amazon Reward Points (or use as statement credits) at Amazon.com, Amazon Fresh, and Whole Foods.",
          "icon": "gift.fill"
        },
        {
          "name": "2% at Restaurants, Gas & Drugstores",
          "description": "2% back as Amazon Reward Points at restaurants, gas stations, and drugstores.",
          "icon": "gift.fill"
        },
        {
          "name": "Reward Redemption at Amazon",
          "description": "Redeem points instantly during checkout on Amazon.com.",
          "icon": "creditcard"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $1,500 per person, $6,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "Extended Warranty",
          "description": "Adds 1 year to U.S. manufacturer warranties of 3 years or less.",
          "icon": "shield.lefthalf.filled"
        }
      ]
    },
    {
      "id": "chase_amazon_prime_visa",
      "name": "Prime Visa",
      "issuer": "Chase",
      "image_asset_name": "card_chase_amazon_prime_visa",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "5% Back at Amazon & Whole Foods (Prime Members)",
          "description": "5% back as Amazon Reward Points at Amazon.com, Amazon Fresh, and Whole Foods Market with an eligible Prime membership. Drops to 3% if Prime is not active.",
          "icon": "gift.fill"
        },
        {
          "name": "5% on Chase Travel (Prime Members)",
          "description": "5% back on travel booked through Chase Travel with an eligible Prime membership.",
          "icon": "gift.fill"
        },
        {
          "name": "2% at Restaurants, Gas & Local Transit",
          "description": "2% back as Amazon Reward Points at restaurants, gas stations, and on local transit and commuting (including rideshare).",
          "icon": "gift.fill"
        },
        {
          "name": "Rotating 10%+ Bonus Categories",
          "description": "Eligible Prime cardmembers earn 10% back or more on a rotating selection of items and categories on Amazon.com.",
          "icon": "gift.fill"
        },
        {
          "name": "Reward Redemption at Amazon",
          "description": "Redeem points instantly during checkout on Amazon.com \u2014 your rewards balance is visible at checkout.",
          "icon": "creditcard"
        },
        {
          "name": "No Annual Fee",
          "description": "No annual credit card fee. (Prime membership separately required to earn the 5% rate.)",
          "icon": "lock.shield.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No foreign transaction fees on purchases made outside the U.S.",
          "icon": "globe"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $1,500 per person, $6,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "Extended Warranty",
          "description": "Adds 1 year to U.S. manufacturer warranties of 3 years or less.",
          "icon": "checkmark.shield.fill"
        }
      ]
    },
    {
      "id": "chase_prime_visa",
      "name": "Prime Visa",
      "issuer": "Chase",
      "image_asset_name": "card_chase_prime_visa",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "5% Back at Amazon & Whole Foods",
          "description": "5% back as Amazon Reward Points at Amazon.com, Amazon Fresh, and Whole Foods (active Prime membership required).",
          "icon": "gift.fill"
        },
        {
          "name": "5% on Chase Travel",
          "description": "5% back at Chase Travel\u2120 on hotels, flights, and rentals.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "2% at Restaurants, Gas & Drugstores",
          "description": "2% back as Amazon Reward Points at restaurants, gas stations, and drugstores.",
          "icon": "gift.fill"
        },
        {
          "name": "Reward Redemption at Amazon",
          "description": "Redeem points instantly during checkout on Amazon.com.",
          "icon": "creditcard"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $1,500 per person, $6,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "Extended Warranty",
          "description": "Adds 1 year to U.S. manufacturer warranties of 3 years or less.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "chase_instacart",
      "name": "Instacart Mastercard\u00ae",
      "issuer": "Chase",
      "image_asset_name": "card_chase_instacart",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "5% Back at Instacart",
          "description": "5% Instacart credit on Instacart purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "5% on Chase Travel",
          "description": "5% Instacart credit on travel purchased through Chase Travel\u2120.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "2% at Restaurants, Gas & Select Stores",
          "description": "2% Instacart credit at restaurants, gas stations, and select retailers.",
          "icon": "gift.fill"
        },
        {
          "name": "Free Instacart+ (1 Year)",
          "description": "One year of complimentary Instacart+ membership.",
          "icon": "gift.fill"
        },
        {
          "name": "$10 Statement Credit",
          "description": "$10 statement credit each calendar quarter on Instacart purchases ($40/year).",
          "icon": "gift.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $1,500 per person, $6,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        }
      ]
    },
    {
      "id": "chase_southwest_priority",
      "name": "Southwest Rapid Rewards\u00ae Priority Credit Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_southwest_priority",
      "annual_fee": 229,
      "benefits": [
        {
          "id": "chase_southwest_priority_travel_credit",
          "name": "Annual Southwest Travel Credit",
          "description": "$75 Southwest travel credit each card anniversary year, applied automatically against Southwest purchases.",
          "value_amount": 75.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "airline",
          "is_enrollment_required": false,
          "notes": "Automatically applied to qualifying Southwest purchases throughout the cardmember year."
        },
        {
          "id": "chase_southwest_priority_upgraded_boardings",
          "name": "Upgraded Boarding Reimbursements",
          "description": "Reimbursement for up to 4 upgraded boardings per anniversary year on Southwest flights (A1-A15 boarding).",
          "value_amount": 4.0,
          "currency_symbol": "boarding",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "airline",
          "is_enrollment_required": false,
          "notes": "Pay for the upgraded boarding at the gate; statement credit posts after the flight. Limit 4 per year."
        }
      ],
      "perks": [
        {
          "name": "First & Second Checked Bag Free",
          "description": "First two checked bags free on Southwest flights for the cardmember.",
          "icon": "bag.fill"
        },
        {
          "name": "7,500 Anniversary Points",
          "description": "7,500 Rapid Rewards points each card anniversary, deposited to your Rapid Rewards account.",
          "icon": "gift.fill"
        },
        {
          "name": "25% Back on In-flight Purchases",
          "description": "25% back as a statement credit on in-flight drinks and Wi-Fi.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Priority Group 5 Boarding",
          "description": "Group 5 boarding for the cardmember and up to 8 companions on the same reservation.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "10K Companion Pass Boost",
          "description": "Earn 10,000 Companion Pass qualifying points each calendar year.",
          "icon": "person.2.fill"
        },
        {
          "name": "A-List Status Boost",
          "description": "Earn 2,500 tier-qualifying points (TQPs) per $5,000 spent toward A-List status.",
          "icon": "crown.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $1,500 per person, $6,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Up to $3,000 per passenger for lost checked or carry-on bags.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "chase_southwest_premier",
      "name": "Southwest Rapid Rewards\u00ae Premier Credit Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_southwest_premier",
      "annual_fee": 149,
      "benefits": [],
      "perks": [
        {
          "name": "First & Second Checked Bag Free",
          "description": "First two checked bags free on Southwest flights for the cardmember.",
          "icon": "bag.fill"
        },
        {
          "name": "6,000 Anniversary Points",
          "description": "6,000 Rapid Rewards points each card anniversary, deposited to your Rapid Rewards account.",
          "icon": "gift.fill"
        },
        {
          "name": "Annual 15% Promo Code",
          "description": "15% off promo code each anniversary on a future Southwest flight booking (excludes Basic fare).",
          "icon": "gift.fill"
        },
        {
          "name": "25% Back on In-flight Purchases",
          "description": "25% back as a statement credit on in-flight drinks and Wi-Fi.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Priority Group 5 Boarding",
          "description": "Group 5 boarding for the cardmember and up to 8 companions on the same reservation.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "10K Companion Pass Boost",
          "description": "Earn 10,000 Companion Pass qualifying points each calendar year.",
          "icon": "person.2.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $1,500 per person, $6,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Up to $3,000 per passenger for lost checked or carry-on bags.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "chase_southwest_plus",
      "name": "Southwest Rapid Rewards\u00ae Plus Credit Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_southwest_plus",
      "annual_fee": 99,
      "benefits": [],
      "perks": [
        {
          "name": "First & Second Checked Bag Free",
          "description": "First two checked bags free on Southwest flights for the cardmember.",
          "icon": "bag.fill"
        },
        {
          "name": "3,000 Anniversary Points",
          "description": "3,000 Rapid Rewards points each card anniversary, deposited to your Rapid Rewards account.",
          "icon": "gift.fill"
        },
        {
          "name": "25% Back on In-flight Purchases",
          "description": "25% back as a statement credit on in-flight drinks and Wi-Fi.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Priority Group 5 Boarding",
          "description": "Group 5 boarding for the cardmember and up to 8 companions on the same reservation.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "10K Companion Pass Boost",
          "description": "Earn 10,000 Companion Pass qualifying points each calendar year.",
          "icon": "person.2.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $1,500 per person, $6,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Up to $3,000 per passenger for lost checked or carry-on bags.",
          "icon": "bag.fill"
        }
      ]
    },
    {
      "id": "chase_southwest_performance_business",
      "name": "Southwest\u00ae Rapid Rewards\u00ae Performance Business Credit Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_southwest_performance_business",
      "annual_fee": 299,
      "benefits": [
        {
          "id": "chase_sw_perf_biz_inflight_credit",
          "name": "In-flight Wi-Fi Credit",
          "description": "Up to 4 Wi-Fi credits per anniversary year for in-flight Wi-Fi on Southwest flights.",
          "value_amount": 4.0,
          "currency_symbol": "voucher",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "airline",
          "is_enrollment_required": false,
          "notes": "Applied as statement credit after each qualifying purchase. Limit 4 per anniversary year."
        }
      ],
      "perks": [
        {
          "name": "First & Second Checked Bag Free",
          "description": "First two checked bags free on Southwest flights for the cardmember.",
          "icon": "bag.fill"
        },
        {
          "name": "9,000 Anniversary Points",
          "description": "9,000 Rapid Rewards points each card anniversary, deposited to your Rapid Rewards account.",
          "icon": "gift.fill"
        },
        {
          "name": "Priority Group 5 Boarding",
          "description": "Group 5 boarding for the cardmember and up to 8 companions on the same reservation.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Tier Qualifying Points",
          "description": "Earn 1,500 tier-qualifying points (TQPs) per $10,000 spent toward A-List status (no annual cap).",
          "icon": "crown.fill"
        },
        {
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $120 every 4 years (this is a perpetual perk; the credit is statement-applied at time of fee charge).",
          "icon": "creditcard"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $1,500 per person, $6,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Up to $3,000 per passenger for lost checked or carry-on bags.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "chase_southwest_premier_business",
      "name": "Southwest\u00ae Rapid Rewards\u00ae Premier Business Credit Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_southwest_premier_business",
      "annual_fee": 149,
      "benefits": [],
      "perks": [
        {
          "name": "First & Second Checked Bag Free",
          "description": "First two checked bags free on Southwest flights for the cardmember.",
          "icon": "bag.fill"
        },
        {
          "name": "6,000 Anniversary Points",
          "description": "6,000 Rapid Rewards points each card anniversary, deposited to your Rapid Rewards account.",
          "icon": "gift.fill"
        },
        {
          "name": "25% Back on In-flight Purchases",
          "description": "25% back as a statement credit on in-flight drinks and Wi-Fi.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Priority Group 5 Boarding",
          "description": "Group 5 boarding for the cardmember and up to 8 companions on the same reservation.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $1,500 per person, $6,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Up to $3,000 per passenger for lost checked or carry-on bags.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "chase_united_quest",
      "name": "United Quest\u2120 Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_united_quest",
      "annual_fee": 350,
      "benefits": [
        {
          "id": "chase_united_quest_travel_credit",
          "name": "Annual United Travel Credit",
          "description": "$200 United travel credit, automatically applied to United purchases. Receive at account opening and every card anniversary.",
          "value_amount": 200.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "airline",
          "is_enrollment_required": false
        },
        {
          "id": "chase_united_quest_hotel",
          "name": "Renowned Hotels & Resorts Credit",
          "description": "Up to $150 in statement credits each anniversary year on hotel accommodations through United's Renowned Hotels and Resorts program.",
          "value_amount": 150.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "hotel",
          "is_enrollment_required": false
        },
        {
          "id": "chase_united_quest_jsx",
          "name": "JSX Flight Credit",
          "description": "Up to $150 in JSX flight credits per anniversary year when you book directly with JSX.",
          "value_amount": 150.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "airline",
          "is_enrollment_required": false
        },
        {
          "id": "chase_united_quest_rideshare",
          "name": "Rideshare Credit",
          "description": "Up to $100 in statement credits each calendar year on rideshare purchases (Uber, Lyft, etc.).",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "transport",
          "is_enrollment_required": false
        },
        {
          "id": "chase_united_quest_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $120 credit for Global Entry, TSA PreCheck, or NEXUS application fees every 4 years.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        }
      ],
      "perks": [
        {
          "name": "First & Second Checked Bag Free",
          "description": "First and second checked bags free on United flights for the cardmember and one companion.",
          "icon": "bag.fill"
        },
        {
          "name": "Priority Boarding",
          "description": "Premier Access (Group 2) on United-operated flights.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "10,000-Mile Award Flight Discount",
          "description": "10,000-mile discount on a United award flight each anniversary (limit 2 per year).",
          "icon": "gift.fill"
        },
        {
          "name": "25% Back on In-flight Purchases",
          "description": "25% statement credit on eligible Wi-Fi, food, and beverages on United-operated flights.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Premier Qualifying Points Boost",
          "description": "Earn 1 PQP per $20 spent (up to 18,000 PQP/year) toward United Premier status.",
          "icon": "crown.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $5,000 per person, $10,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW (Primary)",
          "description": "Primary coverage when you decline the rental's CDW and charge the rental to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Up to $3,000 per passenger for lost checked or carry-on bags.",
          "icon": "bag.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "chase_united_gateway",
      "name": "United Gateway\u2120 Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_united_gateway",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "2x on United",
          "description": "Earn 2 miles per $1 on United purchases.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "2x on Gas & Local Transit",
          "description": "Earn 2 miles per $1 at gas stations and on local transit/commuting.",
          "icon": "car.fill"
        },
        {
          "name": "25% Back on In-flight Purchases",
          "description": "25% statement credit on eligible Wi-Fi, food, and beverages on United-operated flights.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $1,500 per person, $6,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "chase_united_business",
      "name": "United\u2120 Business Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_united_business",
      "annual_fee": 150,
      "benefits": [
        {
          "id": "chase_united_biz_travel_credit",
          "name": "Annual United Travel Credit",
          "description": "Earn a $125 United travel credit when you make 5 United flight purchases of $100+ in a calendar year.",
          "value_amount": 125.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "airline",
          "is_enrollment_required": false,
          "notes": "Conditional on 5+ United flight purchases of $100 or more in a calendar year."
        },
        {
          "id": "chase_united_biz_rideshare",
          "name": "Rideshare Credit",
          "description": "Up to $50 in statement credits annually on rideshare purchases.",
          "value_amount": 50.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "transport",
          "is_enrollment_required": false
        },
        {
          "id": "chase_united_biz_hotel",
          "name": "Hotel Credit",
          "description": "Up to $100 statement credit each anniversary year on hotels booked through United (Renowned program).",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "hotel",
          "is_enrollment_required": false
        }
      ],
      "perks": [
        {
          "name": "2 United Club One-Time Passes",
          "description": "Two United Club one-time passes each year on your account anniversary.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "First Checked Bag Free",
          "description": "First checked bag free on United flights for the cardmember and one companion (must purchase tickets with the card).",
          "icon": "bag.fill"
        },
        {
          "name": "Premier Access",
          "description": "Priority check-in, security lanes (where available), and Group 2 boarding.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "25% Back on In-flight Purchases",
          "description": "25% statement credit on eligible Wi-Fi, food, and beverages on United-operated flights.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Premier Qualifying Points Boost",
          "description": "Earn 1 PQP per $20 spent (up to 18,000 PQP/year) toward United Premier status, plus 1,000 PQP bonus annually after Feb 1.",
          "icon": "crown.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $1,500 per person, $6,000 per trip for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW (Primary)",
          "description": "Primary coverage on eligible rentals when used for business purposes.",
          "icon": "car.fill"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Up to $3,000 per passenger for lost checked or carry-on bags.",
          "icon": "bag.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "citi_aadvantage_mileup",
      "name": "American Airlines AAdvantage\u00ae MileUp\u00ae",
      "issuer": "Citi",
      "image_asset_name": "card_citi_aa_mileup",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "2x AAdvantage Miles on AA",
          "description": "Earn 2x miles on eligible American Airlines purchases.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "2x at Grocery Stores",
          "description": "Earn 2x miles on grocery store purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "25% Back on In-flight Food & Beverage",
          "description": "25% statement credit on eligible American Airlines in-flight food and beverage purchases.",
          "icon": "airplane.circle.fill"
        }
      ]
    },
    {
      "id": "citi_aadvantage_platinum_select",
      "name": "Citi\u00ae / AAdvantage\u00ae Platinum Select\u00ae World Elite Mastercard\u00ae",
      "issuer": "Citi",
      "image_asset_name": "card_citi_aa_platinum_select",
      "annual_fee": 99,
      "benefits": [
        {
          "id": "citi_aa_plat_flight_discount",
          "name": "Annual AA Flight Discount",
          "description": "Earn a $125 American Airlines flight discount after spending $20,000 on the card in your cardmembership year.",
          "value_amount": 125.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "airline",
          "is_enrollment_required": false,
          "notes": "Conditional on $20K cardmember-year spend. Discount expires 12 months after issuance."
        }
      ],
      "perks": [
        {
          "name": "First Checked Bag Free",
          "description": "First checked bag free on domestic American Airlines itineraries for you and up to 4 companions on the same reservation.",
          "icon": "bag.fill"
        },
        {
          "name": "Preferred Boarding",
          "description": "Group 5 boarding for the cardmember and up to 4 companions on the same reservation.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "25% Back on In-flight Purchases",
          "description": "25% statement credit on eligible American Airlines in-flight food and beverage purchases.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "World Elite Mastercard Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Reimbursement for prepaid, non-refundable travel charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "citi_aadvantage_globe",
      "name": "Citi\u00ae / AAdvantage\u00ae Globe\u2122 Mastercard\u00ae",
      "issuer": "Citi",
      "image_asset_name": "card_citi_aa_globe",
      "annual_fee": 350,
      "benefits": [
        {
          "id": "citi_aa_globe_splurge",
          "name": "Annual Splurge Credit",
          "description": "Up to $100 in statement credits each calendar year on your choice of up to 2 brands: 1stDibs, AAdvantage Hotels, Future Personal Training, or Live Nation.",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "other",
          "is_enrollment_required": true
        },
        {
          "id": "citi_aa_globe_inflight",
          "name": "In-flight Purchase Credit",
          "description": "Up to $100 in statement credits each calendar year on American Airlines in-flight purchases.",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "airline",
          "is_enrollment_required": false
        },
        {
          "id": "citi_aa_globe_admirals_passes",
          "name": "Admirals Club Globe Passes",
          "description": "4 Admirals Club Globe Passes per year for use at American Airlines Admirals Club lounges.",
          "value_amount": 4.0,
          "currency_symbol": "pass",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "airline",
          "is_enrollment_required": false,
          "notes": "Each pass is valid for one same-day Admirals Club visit."
        },
        {
          "id": "citi_aa_globe_companion",
          "name": "Annual Companion Certificate",
          "description": "Earn an American Airlines Companion Certificate starting in your second cardmembership year as long as your cardmembership is renewed. Pay $99 ticketing fee + taxes/fees.",
          "value_amount": 1.0,
          "currency_symbol": "companion",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "airline",
          "is_enrollment_required": false,
          "notes": "Starts year 2. Valid 1 year from issuance."
        }
      ],
      "perks": [
        {
          "name": "First Checked Bag Free",
          "description": "First checked bag free on domestic American Airlines itineraries for you and up to 8 travel companions on the same reservation.",
          "icon": "bag.fill"
        },
        {
          "name": "Group 5 Boarding",
          "description": "Group 5 boarding on American Airlines flights.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "World Elite Mastercard Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Reimbursement for prepaid, non-refundable travel charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW (Primary)",
          "description": "Primary coverage when you decline the rental's CDW.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "citi_aadvantage_business",
      "name": "Citi\u00ae / AAdvantage Business\u2122 World Elite Mastercard\u00ae",
      "issuer": "Citi",
      "image_asset_name": "card_citi_aa_business",
      "annual_fee": 99,
      "benefits": [],
      "perks": [
        {
          "name": "First Checked Bag Free",
          "description": "First checked bag free on domestic American Airlines itineraries for you and up to 4 companions on the same reservation.",
          "icon": "bag.fill"
        },
        {
          "name": "Group 5 Preferred Boarding",
          "description": "Group 5 boarding for the cardmember and up to 4 companions on the same reservation.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Companion Certificate at $30K Spend",
          "description": "Earn an AA domestic Companion Certificate after $30,000 in cardmembership-year spend (with renewal). Pay $99 + taxes/fees to redeem.",
          "icon": "person.2.fill"
        },
        {
          "name": "25% Back on In-flight Purchases",
          "description": "25% statement credit on eligible American Airlines in-flight food and beverage.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "World Elite Mastercard Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Reimbursement for prepaid, non-refundable travel charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW (Primary)",
          "description": "Primary coverage when you decline the rental's CDW.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "citi_strata",
      "name": "Citi Strata\u2120 Card",
      "issuer": "Citi",
      "image_asset_name": "card_citi_strata",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "5x on cititravel.com",
          "description": "Earn 5x ThankYou points on hotels, car rentals, and attractions booked through cititravel.com.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "3x on Self-Select Category",
          "description": "Earn 3x ThankYou points on a self-select bonus category (fitness, streaming, live entertainment, salons, or pet supplies).",
          "icon": "gift.fill"
        },
        {
          "name": "Citi Pay Self-Service Plans",
          "description": "Use Citi Flex Pay or Flex Loan on eligible purchases to spread payments over time.",
          "icon": "creditcard"
        },
        {
          "name": "Citi Entertainment",
          "description": "Presale tickets and exclusive experiences for music, sports, and cultural events.",
          "icon": "gift.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft.",
          "icon": "bag.fill"
        }
      ]
    },
    {
      "id": "citi_strata_elite",
      "name": "Citi Strata Elite\u2120 Card",
      "issuer": "Citi",
      "image_asset_name": "card_citi_strata_elite",
      "annual_fee": 595,
      "benefits": [
        {
          "id": "citi_strata_elite_hotel",
          "name": "Annual Hotel Credit",
          "description": "Up to $300 off a hotel stay of 2+ nights when booked through cititravel.com.",
          "value_amount": 300.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "hotel",
          "is_enrollment_required": false,
          "notes": "Single hotel stay of 2+ nights, booked via cititravel.com."
        },
        {
          "id": "citi_strata_elite_splurge",
          "name": "Annual Splurge Credit",
          "description": "Up to $200 in statement credits each calendar year on your choice of up to 2 brands: 1stDibs, American Airlines, Best Buy, Future Personal Training, or Live Nation.",
          "value_amount": 200.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "shopping",
          "is_enrollment_required": true
        },
        {
          "id": "citi_strata_elite_blacklane",
          "name": "Blacklane Chauffeur Credit",
          "description": "Up to $200 in statement credits each calendar year when booking with Blacklane premium global chauffeur service.",
          "value_amount": 200.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "transport",
          "is_enrollment_required": false
        },
        {
          "id": "citi_strata_elite_admirals_passes",
          "name": "Admirals Club Strata Elite Passes",
          "description": "4 Admirals Club passes each calendar year for access to American Airlines Admirals Club lounges.",
          "value_amount": 4.0,
          "currency_symbol": "pass",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "airline",
          "is_enrollment_required": false
        },
        {
          "id": "citi_strata_elite_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $120 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        }
      ],
      "perks": [
        {
          "name": "Priority Pass Select",
          "description": "Complimentary Priority Pass Select for the cardmember plus 2 guests at 1,700+ lounges worldwide. Enrollment required.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "12x on cititravel.com",
          "description": "Earn 12x ThankYou points on hotels, car rentals, and attractions booked through cititravel.com.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "6x on Air Travel",
          "description": "Earn 6x ThankYou points on air travel booked through cititravel.com.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Citi Entertainment",
          "description": "Presale tickets and exclusive experiences for music, sports, and cultural events.",
          "icon": "gift.fill"
        },
        {
          "name": "World Elite Mastercard Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Reimbursement for prepaid, non-refundable travel charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Trip Delay Reimbursement",
          "description": "Reimbursement when your trip is delayed and you incur extra expenses.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW (Primary)",
          "description": "Primary coverage when you decline the rental's CDW.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "citi_custom_cash",
      "name": "Citi Custom Cash\u00ae Card",
      "issuer": "Citi",
      "image_asset_name": "card_citi_custom_cash",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "5% on Top Eligible Spend Category",
          "description": "5% cash back automatically on the eligible category you spend most in each billing cycle (up to $500/month, then 1%).",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "15-month 0% intro APR on purchases and balance transfers.",
          "icon": "creditcard"
        },
        {
          "name": "Citi Entertainment",
          "description": "Presale tickets and exclusive experiences for music, sports, and cultural events.",
          "icon": "gift.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft.",
          "icon": "bag.fill"
        },
        {
          "name": "Extended Warranty",
          "description": "Adds time to eligible U.S. manufacturer warranties.",
          "icon": "shield.lefthalf.filled"
        }
      ]
    },
    {
      "id": "citi_double_cash",
      "name": "Citi Double Cash\u00ae Card",
      "issuer": "Citi",
      "image_asset_name": "card_citi_double_cash",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "2% on Everything",
          "description": "Earn 1% cash back when you buy and 1% when you pay (2% total) on every purchase.",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR on Balance Transfers",
          "description": "18-month 0% intro APR on balance transfers (BT fee applies).",
          "icon": "creditcard"
        },
        {
          "name": "Citi Entertainment",
          "description": "Presale tickets and exclusive experiences for music, sports, and cultural events.",
          "icon": "gift.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft.",
          "icon": "bag.fill"
        }
      ]
    },
    {
      "id": "citi_diamond_preferred",
      "name": "Citi\u00ae Diamond Preferred\u00ae Card",
      "issuer": "Citi",
      "image_asset_name": "card_citi_diamond_preferred",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "21-Month 0% Intro APR on BT",
          "description": "21-month 0% intro APR on balance transfers \u2014 one of the longest BT offers available (BT fee applies).",
          "icon": "creditcard"
        },
        {
          "name": "12-Month 0% Intro APR on Purchases",
          "description": "12-month 0% intro APR on purchases.",
          "icon": "creditcard"
        },
        {
          "name": "Citi Entertainment",
          "description": "Presale tickets and exclusive experiences for music, sports, and cultural events.",
          "icon": "gift.fill"
        },
        {
          "name": "Free FICO Score",
          "description": "Free monthly FICO score access.",
          "icon": "gift.fill"
        }
      ]
    },
    {
      "id": "citi_simplicity",
      "name": "Citi Simplicity\u00ae Card",
      "issuer": "Citi",
      "image_asset_name": "card_citi_simplicity",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "No Late Fees, Ever",
          "description": "No late fees and no penalty rate increases.",
          "icon": "gift.fill"
        },
        {
          "name": "21-Month 0% Intro APR on BT",
          "description": "21-month 0% intro APR on balance transfers (BT fee applies).",
          "icon": "creditcard"
        },
        {
          "name": "12-Month 0% Intro APR on Purchases",
          "description": "12-month 0% intro APR on purchases.",
          "icon": "creditcard"
        },
        {
          "name": "Citi Entertainment",
          "description": "Presale tickets and exclusive experiences for music, sports, and cultural events.",
          "icon": "gift.fill"
        }
      ]
    },
    {
      "id": "citi_secured",
      "name": "Citi\u00ae Secured Mastercard\u00ae",
      "issuer": "Citi",
      "image_asset_name": "card_citi_secured",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Build Credit",
          "description": "Reports to all 3 major credit bureaus to help build or rebuild credit history.",
          "icon": "creditcard"
        },
        {
          "name": "Refundable Security Deposit",
          "description": "Security deposit ($200 minimum) sets your credit limit and is refundable when the account is closed in good standing.",
          "icon": "gift.fill"
        },
        {
          "name": "Free FICO Score",
          "description": "Free monthly FICO score access.",
          "icon": "gift.fill"
        },
        {
          "name": "$0 Liability on Unauthorized Charges",
          "description": "Zero-liability protection for unauthorized purchases.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "citi_costco_anywhere",
      "name": "Costco Anywhere Visa\u00ae Card by Citi",
      "issuer": "Citi",
      "image_asset_name": "card_citi_costco_anywhere",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "4% on Gas & EV Charging",
          "description": "4% cash back on eligible gas and EV charging purchases (5% at Costco gas) on the first $7,000 per year, then 1%.",
          "icon": "car.fill"
        },
        {
          "name": "3% on Restaurants & Travel",
          "description": "3% cash back on dining and eligible travel, including Costco Travel.",
          "icon": "gift.fill"
        },
        {
          "name": "2% at Costco",
          "description": "2% cash back on all Costco and Costco.com purchases.",
          "icon": "bag.fill"
        },
        {
          "name": "Annual Reward Certificate",
          "description": "Cash back issued as a Costco reward certificate with your February billing statement, redeemable at U.S. Costco warehouses for cash or merchandise.",
          "icon": "gift.fill"
        },
        {
          "name": "Damage & Theft Purchase Protection",
          "description": "Coverage for new purchases against damage or theft.",
          "icon": "bag.fill"
        },
        {
          "name": "Extended Warranty",
          "description": "Adds time to eligible U.S. manufacturer warranties.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "citi_my_best_buy_visa",
      "name": "My Best Buy Visa\u00ae Card",
      "issuer": "Citi",
      "image_asset_name": "card_citi_my_best_buy_visa",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "5% Back at Best Buy",
          "description": "5% back in My Best Buy Rewards points on Best Buy purchases (with My Best Buy Plus or Total membership).",
          "icon": "gift.fill"
        },
        {
          "name": "3% on Gas / 2% on Dining & Groceries",
          "description": "3% back at gas stations and 2% back at restaurants and grocery stores in My Best Buy Rewards.",
          "icon": "gift.fill"
        },
        {
          "name": "Special Financing on Best Buy",
          "description": "Promotional financing offers on Best Buy purchases.",
          "icon": "creditcard"
        },
        {
          "name": "Citi Entertainment",
          "description": "Presale tickets and exclusive experiences for music, sports, and cultural events.",
          "icon": "gift.fill"
        }
      ]
    },
    {
      "id": "capone_platinum",
      "name": "Capital One Platinum Credit Card",
      "issuer": "Capital One",
      "image_asset_name": "card_capone_platinum",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Build Credit",
          "description": "Reports to all 3 major credit bureaus to help build credit history.",
          "icon": "creditcard"
        },
        {
          "name": "Higher Credit Line Possible",
          "description": "Be considered for a higher credit line in as little as 6 months.",
          "icon": "gift.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "24/7 Travel Assistance",
          "description": "Help replacing lost cards, emergency cash, and other travel emergencies.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "capone_platinum_secured",
      "name": "Capital One Platinum Secured Credit Card",
      "issuer": "Capital One",
      "image_asset_name": "card_capone_platinum_secured",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Refundable Security Deposit",
          "description": "Refundable deposit ($49, $99, or $200) determines your initial credit line.",
          "icon": "creditcard"
        },
        {
          "name": "Build Credit",
          "description": "Reports to all 3 major credit bureaus to help build or rebuild credit history.",
          "icon": "creditcard"
        },
        {
          "name": "Higher Credit Line Without Extra Deposit",
          "description": "Be considered for a higher credit line in as little as 6 months without an additional deposit.",
          "icon": "gift.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "capone_quicksilver",
      "name": "Capital One Quicksilver Cash Rewards Credit Card",
      "issuer": "Capital One",
      "image_asset_name": "card_capone_quicksilver",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "1.5% on Everything",
          "description": "Unlimited 1.5% cash back on every purchase.",
          "icon": "gift.fill"
        },
        {
          "name": "5% on Capital One Travel",
          "description": "5% cash back on hotels and rental cars booked through Capital One Travel.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "15-month 0% intro APR on purchases and balance transfers.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Travel Accident Insurance",
          "description": "Common-carrier travel accident coverage when fares are charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "capone_quicksilver_one",
      "name": "Capital One QuicksilverOne Cash Rewards Credit Card",
      "issuer": "Capital One",
      "image_asset_name": "card_capone_quicksilver_one",
      "annual_fee": 39,
      "benefits": [],
      "perks": [
        {
          "name": "1.5% on Everything",
          "description": "Unlimited 1.5% cash back on every purchase.",
          "icon": "gift.fill"
        },
        {
          "name": "5% on Capital One Travel",
          "description": "5% cash back on hotels and rental cars booked through Capital One Travel.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Build Credit",
          "description": "Designed for fair credit; reports to all 3 major credit bureaus.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "24/7 Travel Assistance",
          "description": "Help replacing lost cards, emergency cash, and other travel emergencies.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "capone_quicksilver_secured",
      "name": "Capital One Quicksilver Secured Cash Rewards Credit Card",
      "issuer": "Capital One",
      "image_asset_name": "card_capone_quicksilver_secured",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "1.5% on Everything",
          "description": "Unlimited 1.5% cash back on every purchase.",
          "icon": "gift.fill"
        },
        {
          "name": "Refundable Security Deposit",
          "description": "Refundable security deposit determines your initial credit line.",
          "icon": "creditcard"
        },
        {
          "name": "Build Credit",
          "description": "Reports to all 3 major credit bureaus.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "capone_quicksilver_student",
      "name": "Capital One Quicksilver Student Cash Rewards Credit Card",
      "issuer": "Capital One",
      "image_asset_name": "card_capone_quicksilver_student",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "1.5% on Everything",
          "description": "Unlimited 1.5% cash back on every purchase.",
          "icon": "gift.fill"
        },
        {
          "name": "5% on Capital One Travel",
          "description": "5% cash back on hotels and rental cars booked through Capital One Travel.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Designed for Students",
          "description": "Built for students starting their credit journey.",
          "icon": "creditcard"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "capone_savor",
      "name": "Capital One Savor Cash Rewards Credit Card",
      "issuer": "Capital One",
      "image_asset_name": "card_capone_savor",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "3% on Dining & Entertainment",
          "description": "3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding Walmart and Target).",
          "icon": "gift.fill"
        },
        {
          "name": "8% on Capital One Entertainment",
          "description": "8% cash back on Capital One Entertainment ticket purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "5% on Capital One Travel",
          "description": "5% cash back on hotels and rental cars booked through Capital One Travel.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Travel Accident Insurance",
          "description": "Common-carrier travel accident coverage when fares are charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "capone_savor_one",
      "name": "Capital One SavorOne Cash Rewards Credit Card",
      "issuer": "Capital One",
      "image_asset_name": "card_capone_savor_one",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "3% on Dining & Entertainment",
          "description": "3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding Walmart and Target).",
          "icon": "gift.fill"
        },
        {
          "name": "8% on Capital One Entertainment",
          "description": "8% cash back on Capital One Entertainment ticket purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "5% on Capital One Travel",
          "description": "5% cash back on hotels and rental cars booked through Capital One Travel.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "15-month 0% intro APR on purchases and balance transfers.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "capone_savor_student",
      "name": "Capital One Savor Student Cash Rewards Credit Card",
      "issuer": "Capital One",
      "image_asset_name": "card_capone_savor_student",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "3% on Dining & Entertainment",
          "description": "3% cash back on dining, entertainment, popular streaming services, and at grocery stores.",
          "icon": "gift.fill"
        },
        {
          "name": "8% on Capital One Entertainment",
          "description": "8% cash back on Capital One Entertainment ticket purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "Designed for Students",
          "description": "Built for students starting their credit journey.",
          "icon": "creditcard"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "capone_spark_classic",
      "name": "Capital One\u00ae Spark\u00ae 1% Classic",
      "issuer": "Capital One",
      "image_asset_name": "card_capone_spark_classic",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "1% on Everything",
          "description": "Unlimited 1% cash back on every business purchase.",
          "icon": "gift.fill"
        },
        {
          "name": "Build Business Credit",
          "description": "Designed for fair credit; reports to small business credit bureaus.",
          "icon": "creditcard"
        },
        {
          "name": "Free Employee Cards",
          "description": "Issue free employee cards.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "capone_spark_cash_plus",
      "name": "Capital One Spark Cash Plus",
      "issuer": "Capital One",
      "image_asset_name": "card_capone_spark_cash_plus",
      "annual_fee": 150,
      "benefits": [
        {
          "id": "capone_spark_cash_plus_annual_fee_credit",
          "name": "$150 Annual Fee Credit",
          "description": "Get $150 back every cardmember anniversary year you spend $150,000 or more \u2014 effectively offsetting the $150 annual fee.",
          "value_amount": 150.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Conditional on $150K cardmember-year spend."
        }
      ],
      "perks": [
        {
          "name": "2% Unlimited Cash Back",
          "description": "Unlimited 2% cash back on every business purchase, no caps.",
          "icon": "gift.fill"
        },
        {
          "name": "5% on Capital One Travel",
          "description": "5% cash back on hotels and rental cars booked through Capital One Travel.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "$3,000 Spend Bonus",
          "description": "Earn a one-time $3,000 cash back bonus after spending $30,000 in the first 3 months.",
          "icon": "gift.fill"
        },
        {
          "name": "Pay-In-Full Charge Card",
          "description": "No preset spending limit; balance must be paid in full each month.",
          "icon": "creditcard"
        },
        {
          "name": "Free Employee Cards",
          "description": "Issue free employee cards with individual spending limits.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW (Primary)",
          "description": "Primary coverage when you decline the rental's CDW.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "capone_spark_cash_select",
      "name": "Capital One\u00ae Spark\u00ae Cash Select for Business",
      "issuer": "Capital One",
      "image_asset_name": "card_capone_spark_cash_select",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "1.5% Unlimited Cash Back",
          "description": "Unlimited 1.5% cash back on every business purchase, no caps.",
          "icon": "gift.fill"
        },
        {
          "name": "5% on Capital One Travel",
          "description": "5% cash back on hotels and rental cars booked through Capital One Travel.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "12-month 0% intro APR on purchases.",
          "icon": "creditcard"
        },
        {
          "name": "Free Employee Cards",
          "description": "Issue free employee cards.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "capone_venture_business",
      "name": "Capital One Venture Business",
      "issuer": "Capital One",
      "image_asset_name": "card_capone_venture_business",
      "annual_fee": 95,
      "benefits": [],
      "perks": [
        {
          "name": "2x Miles on Everything",
          "description": "Unlimited 2x miles on every purchase.",
          "icon": "gift.fill"
        },
        {
          "name": "5x on Capital One Travel",
          "description": "5x miles on hotels and rental cars booked through Capital One Travel.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Lifestyle Collection Hotel Credit",
          "description": "$50 on-property experience credit per qualifying stay at Capital One Lifestyle Collection hotels (no annual cap).",
          "icon": "crown.fill"
        },
        {
          "name": "Free Employee Cards",
          "description": "Issue free employee cards.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "24/7 Travel Assistance",
          "description": "Help replacing lost cards, emergency cash, and other travel emergencies.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "capone_venture_one",
      "name": "Capital One VentureOne Rewards Credit Card",
      "issuer": "Capital One",
      "image_asset_name": "card_capone_venture_one",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "1.25x Miles on Everything",
          "description": "Unlimited 1.25x miles on every purchase.",
          "icon": "gift.fill"
        },
        {
          "name": "5x on Capital One Travel",
          "description": "5x miles on hotels and rental cars booked through Capital One Travel.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "15-month 0% intro APR on purchases.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Travel Accident Insurance",
          "description": "Common-carrier travel accident coverage when fares are charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "capone_venture_x_business",
      "name": "Capital One Venture X Business",
      "issuer": "Capital One",
      "image_asset_name": "card_capone_venture_x_business",
      "annual_fee": 395,
      "benefits": [
        {
          "id": "vxb_travel_credit",
          "name": "Annual Travel Credit",
          "description": "$300 credit for bookings made through Capital One Business Travel.",
          "value_amount": 300.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "airline",
          "is_enrollment_required": false
        },
        {
          "id": "vxb_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $120 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        }
      ],
      "perks": [
        {
          "name": "Anniversary Bonus Miles",
          "description": "10,000 bonus miles automatically deposited each card anniversary (worth $100 toward travel, or transferable to airline/hotel partners).",
          "icon": "gift.fill"
        },
        {
          "name": "Capital One Lounge Access",
          "description": "Complimentary access for the primary cardholder to Capital One Lounges and Landings (guest fees apply unless $75K+ spend threshold met).",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Priority Pass Select",
          "description": "Complimentary Priority Pass with unlimited visits to 1,300+ lounges for the primary cardmember.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Plaza Premium Lounge Access",
          "description": "Complimentary access to Plaza Premium Lounges via the Priority Pass network.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "10x on Hotels & Cars (Cap One Business Travel)",
          "description": "Earn 10x miles on hotels and rental cars booked through Capital One Business Travel.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "5x on Flights (Cap One Business Travel)",
          "description": "Earn 5x miles on flights and vacation rentals booked through Capital One Business Travel.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "2x Miles on Everything",
          "description": "Unlimited 2x miles on every purchase.",
          "icon": "gift.fill"
        },
        {
          "name": "Free Employee Cards",
          "description": "Issue free employee cards.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW (Primary)",
          "description": "Primary coverage when you decline the rental's CDW.",
          "icon": "car.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Reimbursement for prepaid, non-refundable travel charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Trip Delay Reimbursement",
          "description": "Reimbursement when your trip is delayed and you incur extra expenses.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "capone_kohls",
      "name": "Kohl's Credit Card",
      "issuer": "Capital One",
      "image_asset_name": "card_capone_kohls",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Cardholder Discounts",
          "description": "Exclusive Kohl's Card discount offers throughout the year (typically 12 mailed offers per year).",
          "icon": "gift.fill"
        },
        {
          "name": "Birthday Gift",
          "description": "Annual birthday discount or reward.",
          "icon": "gift.fill"
        },
        {
          "name": "Kohl's Cash Booster",
          "description": "Bonus Kohl's Cash on certain promotional purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "Most Valuable Customer Status",
          "description": "Earn MVC status by spending $600+ in a calendar year for additional perks the following year.",
          "icon": "crown.fill"
        }
      ]
    },
    {
      "id": "capone_rei_coop",
      "name": "REI Co-op Mastercard\u00ae",
      "issuer": "Capital One",
      "image_asset_name": "card_capone_rei_coop",
      "annual_fee": 0,
      "benefits": [
        {
          "id": "capone_rei_experience_credit",
          "name": "REI Co-op Experiences Credit",
          "description": "$50 annual statement credit for REI Co-op Experiences purchases.",
          "value_amount": 50.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "other",
          "is_enrollment_required": false
        }
      ],
      "perks": [
        {
          "name": "5% Rewards at REI",
          "description": "5% rewards on all REI purchases \u2014 even sale items.",
          "icon": "gift.fill"
        },
        {
          "name": "1.5% on Everything Else",
          "description": "1.5% rewards on all non-REI purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "Rewards Never Expire",
          "description": "REI Mastercard rewards don't expire as long as your account is open.",
          "icon": "creditcard"
        },
        {
          "name": "Lifetime REI Membership",
          "description": "One-time $30 lifetime REI Co-op Rewards membership included.",
          "icon": "crown.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "bofa_atmos_ascent",
      "name": "Atmos\u2122 Rewards Ascent Visa Signature\u00ae Credit Card",
      "issuer": "Bank of America",
      "image_asset_name": "card_bofa_atmos_ascent",
      "annual_fee": 95,
      "benefits": [
        {
          "id": "bofa_atmos_ascent_companion",
          "name": "Annual Companion Fare",
          "description": "Annual Alaska's Famous Companion Fare ($99 + ~$23 taxes/fees) on Alaska or Hawaiian Airlines flights within North America. Earned each anniversary year after spending $6,000 in the prior anniversary year.",
          "value_amount": 1.0,
          "currency_symbol": "companion",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "airline",
          "is_enrollment_required": false,
          "notes": "Conditional on $6,000 prior-year spend. Bookable on AlaskaAir.com only. Each certificate expires 1 year from issuance."
        }
      ],
      "perks": [
        {
          "name": "First Checked Bag Free",
          "description": "First checked bag free for the cardmember and up to 6 companions on the same Alaska/Hawaiian reservation.",
          "icon": "bag.fill"
        },
        {
          "name": "Priority Boarding",
          "description": "Priority boarding on Alaska Airlines and Hawaiian Airlines flights.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "$100 Off Alaska Lounge+",
          "description": "$100 statement credit toward an annual Alaska Lounge+ membership when paid with the card.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "3x on Alaska & Hawaiian",
          "description": "Earn 3x Atmos Rewards points on Alaska Airlines and Hawaiian Airlines purchases.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "2x on Travel & Streaming",
          "description": "Earn 2x points on gas, EV charging, cable, streaming, and local transit.",
          "icon": "gift.fill"
        },
        {
          "name": "Preferred Rewards Boost",
          "description": "Earn 25%\u201375% more rewards as a Bank of America Preferred Rewards member based on relationship tier (Gold / Platinum / Platinum Honors).",
          "icon": "gift.fill"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "24/7 Travel & Emergency Assistance",
          "description": "Help replacing lost cards, emergency cash, and other travel emergencies.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "bofa_alaska_business",
      "name": "Bank of America Alaska Airlines Visa Business Card",
      "issuer": "Bank of America",
      "image_asset_name": "card_bofa_alaska_business",
      "annual_fee": 95,
      "benefits": [
        {
          "id": "bofa_alaska_biz_companion",
          "name": "Annual Companion Fare",
          "description": "Alaska's Famous Companion Fare ($99 + ~$23 taxes/fees) on Alaska or Hawaiian Airlines flights within North America. Earned each anniversary year after spending $6,000 in the prior anniversary year.",
          "value_amount": 1.0,
          "currency_symbol": "companion",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "airline",
          "is_enrollment_required": false,
          "notes": "Conditional on $6,000 prior-year spend. Each certificate expires 1 year from issuance."
        }
      ],
      "perks": [
        {
          "name": "First Checked Bag Free",
          "description": "First checked bag free for the cardmember and up to 6 companions on the same Alaska/Hawaiian reservation.",
          "icon": "bag.fill"
        },
        {
          "name": "20% Off In-flight Purchases",
          "description": "20% off in-flight purchases on Alaska Airlines flights when paid with the card.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "3x on Alaska Airlines",
          "description": "Earn 3x miles on eligible Alaska Airlines purchases.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "2x on Gas, Shipping & Transit",
          "description": "Earn 2x miles on gas, EV charging, shipping, and local transit.",
          "icon": "gift.fill"
        },
        {
          "name": "10% Business Rewards Bonus",
          "description": "10% bonus on miles earned with an eligible Bank of America small business account.",
          "icon": "gift.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "24/7 Travel & Emergency Assistance",
          "description": "Help replacing lost cards, emergency cash, and other travel emergencies.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "bofa_bankamericard",
      "name": "BankAmericard\u00ae Credit Card",
      "issuer": "Bank of America",
      "image_asset_name": "card_bofa_bankamericard",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "18-Month 0% Intro APR on BT",
          "description": "18-month 0% intro APR on balance transfers (BT fee applies).",
          "icon": "creditcard"
        },
        {
          "name": "18-Month 0% Intro APR on Purchases",
          "description": "18-month 0% intro APR on purchases.",
          "icon": "creditcard"
        },
        {
          "name": "Free FICO Score",
          "description": "Free monthly FICO score access in Mobile Banking.",
          "icon": "gift.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "bofa_bankamericard_secured",
      "name": "BankAmericard\u00ae Secured Credit Card",
      "issuer": "Bank of America",
      "image_asset_name": "card_bofa_bankamericard_secured",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Refundable Security Deposit",
          "description": "Security deposit ($200 minimum) sets the initial credit line; refundable when the account is closed in good standing.",
          "icon": "creditcard"
        },
        {
          "name": "Build Credit",
          "description": "Reports to all 3 major credit bureaus.",
          "icon": "creditcard"
        },
        {
          "name": "Possible Graduation",
          "description": "Account is reviewed periodically for graduation to an unsecured card.",
          "icon": "gift.fill"
        },
        {
          "name": "Free FICO Score",
          "description": "Free monthly FICO score access in Mobile Banking.",
          "icon": "gift.fill"
        }
      ]
    },
    {
      "id": "bofa_customized_cash",
      "name": "Bank of America\u00ae Customized Cash Rewards Credit Card",
      "issuer": "Bank of America",
      "image_asset_name": "card_bofa_customized_cash",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "3% in Choice Category",
          "description": "Earn 3% cash back in your choice of one category (gas/EV, online shopping, dining, travel, drug stores, or home improvement) on the first $2,500/quarter combined with the 2% category, then 1%.",
          "icon": "gift.fill"
        },
        {
          "name": "2% at Grocery & Wholesale",
          "description": "Earn 2% cash back at grocery stores and wholesale clubs (within the $2,500/quarter combined cap).",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "15-billing-cycle 0% intro APR on purchases and balance transfers.",
          "icon": "creditcard"
        },
        {
          "name": "Preferred Rewards Boost",
          "description": "Earn 25%\u201375% more rewards as a Bank of America Preferred Rewards member based on relationship tier (Gold / Platinum / Platinum Honors).",
          "icon": "gift.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        }
      ]
    },
    {
      "id": "bofa_customized_cash_student",
      "name": "Bank of America\u00ae Customized Cash Rewards for Students",
      "issuer": "Bank of America",
      "image_asset_name": "card_bofa_customized_cash_student",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "3% in Choice Category",
          "description": "3% cash back in your choice of one category (gas/EV, online shopping, dining, travel, drug stores, or home improvement) on the first $2,500/quarter combined with the 2% category, then 1%.",
          "icon": "gift.fill"
        },
        {
          "name": "2% at Grocery & Wholesale",
          "description": "2% cash back at grocery stores and wholesale clubs (within the $2,500/quarter combined cap).",
          "icon": "gift.fill"
        },
        {
          "name": "Designed for Students",
          "description": "Built for students with a relationship with Bank of America.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        }
      ]
    },
    {
      "id": "bofa_unlimited_cash",
      "name": "Bank of America\u00ae Unlimited Cash Rewards Credit Card",
      "issuer": "Bank of America",
      "image_asset_name": "card_bofa_unlimited_cash",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "1.5% on Everything",
          "description": "Unlimited 1.5% cash back on all purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "15-billing-cycle 0% intro APR on purchases and balance transfers.",
          "icon": "creditcard"
        },
        {
          "name": "Preferred Rewards Boost",
          "description": "Earn 25%\u201375% more rewards as a Bank of America Preferred Rewards member based on relationship tier (Gold / Platinum / Platinum Honors).",
          "icon": "gift.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        }
      ]
    },
    {
      "id": "bofa_unlimited_cash_student",
      "name": "Bank of America\u00ae Unlimited Cash Rewards for Students",
      "issuer": "Bank of America",
      "image_asset_name": "card_bofa_unlimited_cash_student",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "1.5% on Everything",
          "description": "Unlimited 1.5% cash back on all purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "Designed for Students",
          "description": "Built for students with a relationship with Bank of America.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        }
      ]
    },
    {
      "id": "bofa_travel_rewards",
      "name": "Bank of America\u00ae Travel Rewards Credit Card",
      "issuer": "Bank of America",
      "image_asset_name": "card_bofa_travel_rewards",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "1.5x Points on Everything",
          "description": "Unlimited 1.5x points on all purchases \u2014 redeem against travel as statement credit.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "15-billing-cycle 0% intro APR on purchases.",
          "icon": "creditcard"
        },
        {
          "name": "Preferred Rewards Boost",
          "description": "Earn 25%\u201375% more rewards as a Bank of America Preferred Rewards member based on relationship tier (Gold / Platinum / Platinum Honors).",
          "icon": "gift.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "24/7 Travel & Emergency Assistance",
          "description": "Help replacing lost cards, emergency cash, and other travel emergencies.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "bofa_travel_rewards_student",
      "name": "Bank of America\u00ae Travel Rewards for Students",
      "issuer": "Bank of America",
      "image_asset_name": "card_bofa_travel_rewards_student",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "1.5x Points on Everything",
          "description": "Unlimited 1.5x points on all purchases \u2014 redeem against travel as statement credit.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Designed for Students",
          "description": "Built for students with a relationship with Bank of America.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "24/7 Travel & Emergency Assistance",
          "description": "Help replacing lost cards, emergency cash, and other travel emergencies.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "bofa_allways_rewards",
      "name": "Bank of America\u00ae Allways Rewards Visa\u00ae Credit Card",
      "issuer": "Bank of America",
      "image_asset_name": "card_bofa_allways_rewards",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Choice Category Rewards",
          "description": "Earn boosted rewards on a self-selected category each month (subject to the program's current terms).",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "Intro 0% APR on purchases and balance transfers (terms vary by offer).",
          "icon": "creditcard"
        },
        {
          "name": "Preferred Rewards Boost",
          "description": "Earn 25%\u201375% more rewards as a Bank of America Preferred Rewards member based on relationship tier (Gold / Platinum / Platinum Honors).",
          "icon": "gift.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        }
      ]
    },
    {
      "id": "bofa_business_customized_cash",
      "name": "Bank of America\u00ae Business Advantage Customized Cash Rewards Credit Card",
      "issuer": "Bank of America",
      "image_asset_name": "card_bofa_business_customized_cash",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "3% in Choice Category",
          "description": "Earn 3% cash back in your choice of one business category (gas/EV, office supplies, travel, dining, business services, computer services) on the first $50,000/year, then 1%.",
          "icon": "gift.fill"
        },
        {
          "name": "2% at Dining",
          "description": "2% cash back at restaurants on the first $50,000/year (combined with the 3% category cap).",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "9-billing-cycle 0% intro APR on purchases.",
          "icon": "creditcard"
        },
        {
          "name": "Preferred Rewards for Business Boost",
          "description": "Earn 25%\u201375% more rewards as a Preferred Rewards for Business member.",
          "icon": "gift.fill"
        },
        {
          "name": "Free Employee Cards",
          "description": "Issue free employee cards with individual spending limits.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        }
      ]
    },
    {
      "id": "bofa_business_travel_rewards",
      "name": "Bank of America\u00ae Business Advantage Travel Rewards Credit Card",
      "issuer": "Bank of America",
      "image_asset_name": "card_bofa_business_travel_rewards",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "1.5x Points on Everything",
          "description": "Unlimited 1.5x points on all purchases \u2014 redeem against travel as statement credit.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "3x on Bank of America Travel",
          "description": "3x points on travel booked through the Bank of America Travel Center.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "9-billing-cycle 0% intro APR on purchases.",
          "icon": "creditcard"
        },
        {
          "name": "Preferred Rewards for Business Boost",
          "description": "Earn 25%\u201375% more rewards as a Preferred Rewards for Business member.",
          "icon": "gift.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "24/7 Travel & Emergency Assistance",
          "description": "Help replacing lost cards, emergency cash, and other travel emergencies.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "bofa_platinum_plus_business",
      "name": "Bank of America\u00ae Platinum Plus\u00ae Mastercard\u00ae Business Card",
      "issuer": "Bank of America",
      "image_asset_name": "card_bofa_platinum_plus_business",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "0% Intro APR",
          "description": "Intro 0% APR on purchases for the first several billing cycles (terms vary).",
          "icon": "creditcard"
        },
        {
          "name": "Free Employee Cards",
          "description": "Issue free employee cards.",
          "icon": "creditcard"
        },
        {
          "name": "Online Spending Reports",
          "description": "Quarterly and year-end account summaries.",
          "icon": "gift.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "24/7 Travel & Emergency Assistance",
          "description": "Help replacing lost cards, emergency cash, and other travel emergencies.",
          "icon": "phone.circle.fill"
        }
      ]
    },
    {
      "id": "bofa_celebrity_cruises",
      "name": "Bank of America Celebrity Cruises\u00ae Visa Signature\u00ae Credit Card",
      "issuer": "Bank of America",
      "image_asset_name": "card_bofa_celebrity_cruises",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "3x on Celebrity Cruises",
          "description": "Earn 3x WorldPoints on Celebrity Cruises purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "2x on Travel & Dining",
          "description": "Earn 2x WorldPoints on travel and dining purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "Onboard Credit Redemption",
          "description": "Redeem points for stateroom upgrades, onboard credits, and cruise discounts.",
          "icon": "gift.fill"
        },
        {
          "name": "Card Refresh Coming",
          "description": "Bank of America announced the tri-branded Royal ONE / Royal ONE Plus replacement program covering Royal Caribbean, Celebrity, and Silversea \u2014 confirm current terms before applying.",
          "icon": "creditcard"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "24/7 Travel & Emergency Assistance",
          "description": "Help replacing lost cards, emergency cash, and other travel emergencies.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "bofa_norwegian_cruise",
      "name": "Bank of America Norwegian Cruise Line\u00ae World Mastercard\u00ae",
      "issuer": "Bank of America",
      "image_asset_name": "card_bofa_norwegian_cruise",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "3x on Norwegian",
          "description": "Earn 3x WorldPoints on Norwegian Cruise Line purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "2x on Air & Hotel",
          "description": "Earn 2x WorldPoints on eligible air and hotel purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "Onboard Credit Redemption",
          "description": "Redeem points for stateroom upgrades, onboard credits, last-minute cruises, hotel stays, and gift cards.",
          "icon": "gift.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "24/7 Travel & Emergency Assistance",
          "description": "Help replacing lost cards, emergency cash, and other travel emergencies.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "bofa_royal_caribbean",
      "name": "Bank of America Royal Caribbean\u00ae Visa Signature\u00ae Credit Card",
      "issuer": "Bank of America",
      "image_asset_name": "card_bofa_royal_caribbean",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "3x on Royal Caribbean",
          "description": "Earn 3x WorldPoints on Royal Caribbean purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "2x on Travel & Dining",
          "description": "Earn 2x WorldPoints on travel and dining purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "Onboard Credit Redemption",
          "description": "Redeem points for stateroom upgrades, onboard credits, and cruise discounts.",
          "icon": "gift.fill"
        },
        {
          "name": "Card Refresh Coming",
          "description": "Bank of America announced the tri-branded Royal ONE / Royal ONE Plus replacement program covering Royal Caribbean, Celebrity, and Silversea \u2014 confirm current terms before applying.",
          "icon": "creditcard"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "24/7 Travel & Emergency Assistance",
          "description": "Help replacing lost cards, emergency cash, and other travel emergencies.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "bofa_sandals",
      "name": "Bank of America Sandals\u00ae Visa Signature\u00ae Credit Card",
      "issuer": "Bank of America",
      "image_asset_name": "card_bofa_sandals",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "4x at Sandals & Beaches",
          "description": "Earn 4x points on Sandals and Beaches resort purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "2x at Grocery & Dining",
          "description": "Earn 2x points at grocery stores and on dining.",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "Intro 0% APR for 7 billing cycles on purchases.",
          "icon": "creditcard"
        },
        {
          "name": "Cash or Statement Credit Redemption",
          "description": "Redeem points for cash as a statement credit, check, or deposit into a Bank of America or Merrill account.",
          "icon": "gift.fill"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "24/7 Travel & Emergency Assistance",
          "description": "Help replacing lost cards, emergency cash, and other travel emergencies.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "wf_active_cash",
      "name": "Wells Fargo Active Cash\u00ae Card",
      "issuer": "Wells Fargo",
      "image_asset_name": "card_wf_active_cash",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "2% Cash Back on Everything",
          "description": "Unlimited 2% cash back on all purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "12-month 0% intro APR on purchases and qualifying balance transfers.",
          "icon": "creditcard"
        },
        {
          "name": "Cell Phone Protection",
          "description": "Up to $600 per claim ($1,200/year, $25 deductible) when you pay your monthly cell bill with the card.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "wf_autograph",
      "name": "Wells Fargo Autograph\u00ae Card",
      "issuer": "Wells Fargo",
      "image_asset_name": "card_wf_autograph",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "3x on Restaurants, Travel, Gas & More",
          "description": "Earn 3x points on restaurants, travel, gas & EV charging stations, transit, popular streaming, and phone plans.",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "12-month 0% intro APR on purchases.",
          "icon": "creditcard"
        },
        {
          "name": "Cell Phone Protection",
          "description": "Up to $600 per claim ($1,200/year, $25 deductible) when you pay your monthly cell bill with the card.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "24/7 Travel Assistance",
          "description": "Help replacing lost cards, emergency cash, and other travel emergencies.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "wf_reflect",
      "name": "Wells Fargo Reflect\u00ae Card",
      "issuer": "Wells Fargo",
      "image_asset_name": "card_wf_reflect",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "21-Month 0% Intro APR",
          "description": "21-month 0% intro APR on purchases and qualifying balance transfers \u2014 one of the longest BT offers available.",
          "icon": "creditcard"
        },
        {
          "name": "Cell Phone Protection",
          "description": "Up to $600 per claim ($1,200/year, $25 deductible) when you pay your monthly cell bill with the card.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "My Wells Fargo Deals",
          "description": "Targeted cash-back deals at participating merchants.",
          "icon": "gift.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "wf_signify_business_cash",
      "name": "Wells Fargo Signify Business Cash\u00ae Card",
      "issuer": "Wells Fargo",
      "image_asset_name": "card_wf_signify_business_cash",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "2% Cash Back on All Business Purchases",
          "description": "Unlimited 2% cash back on every business purchase, no caps.",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "12-month 0% intro APR on purchases.",
          "icon": "creditcard"
        },
        {
          "name": "Free Employee Cards",
          "description": "Issue free employee cards.",
          "icon": "creditcard"
        },
        {
          "name": "Cell Phone Protection",
          "description": "Up to $600 per claim ($1,200/year, $25 deductible) when you pay your monthly cell bill with the card.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "barclays_jetblue_plus",
      "name": "JetBlue Plus Card",
      "issuer": "Barclays",
      "image_asset_name": "card_barclays_jetblue_plus",
      "annual_fee": 99,
      "benefits": [
        {
          "id": "barclays_jetblue_plus_vacation",
          "name": "Annual JetBlue Vacations Credit",
          "description": "$100 statement credit annually after purchasing a JetBlue Vacations package of $100 or more with the card.",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "airline",
          "is_enrollment_required": false,
          "notes": "Conditional on purchasing a JetBlue Vacations package."
        }
      ],
      "perks": [
        {
          "name": "First Checked Bag Free",
          "description": "First checked bag free for the cardmember and up to 3 companions on the same JetBlue reservation.",
          "icon": "bag.fill"
        },
        {
          "name": "5,000 Anniversary Points",
          "description": "5,000 TrueBlue points each card anniversary (auto-deposited).",
          "icon": "gift.fill"
        },
        {
          "name": "50% Off In-flight Purchases",
          "description": "50% savings on eligible JetBlue in-flight food and drink purchases.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Mosaic Status at $50K Spend",
          "description": "Earn JetBlue Mosaic status after spending $50,000 in a calendar year.",
          "icon": "crown.fill"
        },
        {
          "name": "10% Point Rebate",
          "description": "10% of redeemed points refunded to your account.",
          "icon": "gift.fill"
        },
        {
          "name": "World Elite Mastercard Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "barclays_jetblue_business",
      "name": "JetBlue Business Card",
      "issuer": "Barclays",
      "image_asset_name": "card_barclays_jetblue_business",
      "annual_fee": 99,
      "benefits": [
        {
          "id": "barclays_jetblue_biz_vacation",
          "name": "Annual JetBlue Vacations Credit",
          "description": "$100 statement credit annually after purchasing a JetBlue Vacations package of $100 or more with the card.",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "airline",
          "is_enrollment_required": false,
          "notes": "Conditional on purchasing a JetBlue Vacations package."
        }
      ],
      "perks": [
        {
          "name": "First Checked Bag Free",
          "description": "First checked bag free for the cardmember and up to 3 companions on the same JetBlue reservation.",
          "icon": "bag.fill"
        },
        {
          "name": "5,000 Anniversary Points",
          "description": "5,000 TrueBlue points each card anniversary (auto-deposited).",
          "icon": "gift.fill"
        },
        {
          "name": "50% Off In-flight Purchases",
          "description": "50% savings on eligible JetBlue in-flight food and drink purchases.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Free Employee Cards",
          "description": "Issue free employee cards.",
          "icon": "creditcard"
        },
        {
          "name": "World Elite Mastercard Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "barclays_hawaiian_business",
      "name": "Hawaiian Airlines\u00ae Business Mastercard\u00ae",
      "issuer": "Barclays",
      "image_asset_name": "card_barclays_hawaiian_business",
      "annual_fee": 99,
      "benefits": [],
      "perks": [
        {
          "name": "Card Closed to New Applications",
          "description": "Existing cardholders can keep using their cards with existing benefits, but new applications are no longer accepted.",
          "icon": "creditcard"
        },
        {
          "name": "50% Off Companion Discount",
          "description": "50%-off companion discount on roundtrip coach travel between Hawaii and North America on Hawaiian or Alaska Airlines.",
          "icon": "person.2.fill"
        },
        {
          "name": "3x on Hawaiian Airlines",
          "description": "Earn 3x miles on Hawaiian Airlines purchases.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "2x on Gas, Dining & Office Supplies",
          "description": "Earn 2x miles on gas, dining, and office supply store purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "Free Employee Cards",
          "description": "Issue free employee cards.",
          "icon": "creditcard"
        },
        {
          "name": "World Elite Mastercard Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Travel Accident Insurance",
          "description": "Common-carrier travel accident coverage when fares are charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "barclays_frontier",
      "name": "Frontier Airlines World Mastercard\u00ae",
      "issuer": "Barclays",
      "image_asset_name": "card_barclays_frontier",
      "annual_fee": 99,
      "benefits": [
        {
          "id": "barclays_frontier_voucher",
          "name": "Annual Flight Voucher",
          "description": "$100 flight voucher each card anniversary year after spending $2,500 or more on the card. Redeemable for Frontier flights.",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "airline",
          "is_enrollment_required": false,
          "notes": "Conditional on $2,500+ cardmember-year spend."
        }
      ],
      "perks": [
        {
          "name": "Two Free Checked Bags",
          "description": "Two free checked bags on Frontier Airlines operated flights for the cardmember.",
          "icon": "bag.fill"
        },
        {
          "name": "5x on Frontier",
          "description": "Earn 5x miles on FlyFrontier.com purchases.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "3x on Restaurants",
          "description": "Earn 3x miles on restaurant purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "Companion Vouchers via Spend",
          "description": "Earn 1, 2, or 3 companion certificates by hitting $3K, $10K, and $20K spend thresholds in the qualifying period.",
          "icon": "person.2.fill"
        },
        {
          "name": "Frontier Miles Elite Status (Intro)",
          "description": "Frontier Miles Elite Gold Status for 90 days after first purchase; extend to 12 months with $3,000 spend in first 90 days.",
          "icon": "crown.fill"
        },
        {
          "name": "World Elite Mastercard Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "barclays_bluegreen",
      "name": "Bluegreen Rewards\u00ae Mastercard\u00ae",
      "issuer": "Barclays",
      "image_asset_name": "card_barclays_bluegreen",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Reward Points on Bluegreen",
          "description": "Earn elevated reward points on Bluegreen Vacations purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "Reward Redemption at Bluegreen",
          "description": "Redeem points for Bluegreen Vacations stays, gift cards, and merchandise.",
          "icon": "gift.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "24/7 Travel Assistance",
          "description": "Help replacing lost cards, emergency cash, and other travel emergencies.",
          "icon": "phone.circle.fill"
        }
      ]
    },
    {
      "id": "barclays_carnival",
      "name": "Carnival\u00ae World Mastercard\u00ae",
      "issuer": "Barclays",
      "image_asset_name": "card_barclays_carnival",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "2x on Carnival Cruises",
          "description": "Earn 2x FunPoints on Carnival Cruise purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "FunPoints Redemption",
          "description": "Redeem FunPoints for cruise statement credits, onboard credits, and Carnival gift cards.",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "Intro 0% APR on purchases (terms vary).",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "24/7 Travel Assistance",
          "description": "Help replacing lost cards, emergency cash, and other travel emergencies.",
          "icon": "phone.circle.fill"
        }
      ]
    },
    {
      "id": "barclays_holland_america",
      "name": "Holland America Line Rewards Visa\u00ae Card",
      "issuer": "Barclays",
      "image_asset_name": "card_barclays_holland_america",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "3x on Holland America",
          "description": "Earn 3x reward points on Holland America Line cruise purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "Onboard Credit Redemption",
          "description": "Redeem points for cruise statement credits and onboard credits.",
          "icon": "gift.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "24/7 Travel Assistance",
          "description": "Help replacing lost cards, emergency cash, and other travel emergencies.",
          "icon": "phone.circle.fill"
        }
      ]
    },
    {
      "id": "barclays_princess",
      "name": "Princess Cruises Rewards Visa\u00ae Card",
      "issuer": "Barclays",
      "image_asset_name": "card_barclays_princess",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "3x on Princess Cruises",
          "description": "Earn 3x reward points on Princess Cruises purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "Onboard Credit Redemption",
          "description": "Redeem points for cruise statement credits and onboard credits.",
          "icon": "gift.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "24/7 Travel Assistance",
          "description": "Help replacing lost cards, emergency cash, and other travel emergencies.",
          "icon": "phone.circle.fill"
        }
      ]
    },
    {
      "id": "barclays_priceline_vip",
      "name": "Priceline VIP Rewards\u2122 Visa\u00ae Card",
      "issuer": "Barclays",
      "image_asset_name": "card_barclays_priceline_vip",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "5x on Priceline",
          "description": "Earn 5x points on eligible Priceline purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "VIP Tier",
          "description": "Automatic VIP Gold tier for additional Priceline savings and perks.",
          "icon": "crown.fill"
        },
        {
          "name": "Cell Phone Protection",
          "description": "Coverage for damage or theft when you pay your monthly cell bill with the card.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "24/7 Travel Assistance",
          "description": "Help replacing lost cards, emergency cash, and other travel emergencies.",
          "icon": "phone.circle.fill"
        }
      ]
    },
    {
      "id": "barclays_miles_more",
      "name": "Miles & More World Elite Mastercard\u00ae",
      "issuer": "Barclays",
      "image_asset_name": "card_barclays_miles_more",
      "annual_fee": 89,
      "benefits": [],
      "perks": [
        {
          "name": "Lufthansa Miles & More Status",
          "description": "Complimentary mileage status with the Lufthansa Miles & More program.",
          "icon": "crown.fill"
        },
        {
          "name": "Companion Ticket",
          "description": "Earn an annual companion ticket eligible for use on Star Alliance flights (subject to terms and qualifying spend).",
          "icon": "person.2.fill"
        },
        {
          "name": "3x on Lufthansa Group",
          "description": "Earn 3x miles on Lufthansa Group airline purchases.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Mileage Lifeline",
          "description": "Lufthansa Miles & More miles do not expire while card is open.",
          "icon": "gift.fill"
        },
        {
          "name": "World Elite Mastercard Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "barclays_gm_rewards",
      "name": "My GM Rewards\u00ae Mastercard\u00ae",
      "issuer": "Barclays",
      "image_asset_name": "card_barclays_gm_rewards",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Earnings Toward GM Vehicles",
          "description": "Earn unlimited points redeemable toward the purchase or lease of a new GM vehicle (Chevrolet, Buick, GMC, Cadillac).",
          "icon": "gift.fill"
        },
        {
          "name": "4x on GM Purchases",
          "description": "Earn 4x points on GM purchases (parts, accessories, service).",
          "icon": "car.fill"
        },
        {
          "name": "3x on Eligible Categories",
          "description": "Earn 3x points on dining, gas, and grocery purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "24/7 Travel Assistance",
          "description": "Help replacing lost cards, emergency cash, and other travel emergencies.",
          "icon": "phone.circle.fill"
        }
      ]
    },
    {
      "id": "barclays_luxury_black",
      "name": "Mastercard\u00ae Black Card\u2122",
      "issuer": "Barclays",
      "image_asset_name": "card_barclays_luxury_black",
      "annual_fee": 699,
      "benefits": [
        {
          "id": "barclays_luxury_black_airline",
          "name": "Annual Airline Credit",
          "description": "Up to $200 in annual airline statement credits for flight-related purchases including airline tickets, baggage fees, and upgrades.",
          "value_amount": 200.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "airline",
          "is_enrollment_required": false
        },
        {
          "id": "barclays_luxury_black_dining",
          "name": "Annual Dining Credit",
          "description": "Up to $100 in annual dining credits at qualified restaurants worldwide.",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "dining",
          "is_enrollment_required": false
        },
        {
          "id": "barclays_luxury_black_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $120 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        }
      ],
      "perks": [
        {
          "name": "Priority Pass Select",
          "description": "Complimentary Priority Pass Select for the cardmember and guests at 1,300+ lounges worldwide.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Luxury Card Concierge",
          "description": "24/7 concierge for travel planning, exclusive tickets, gifting, and VIP experiences.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Luxury Card Travel",
          "description": "Complimentary benefits at 3,000+ luxury hotels (room upgrades, breakfast, late checkout) plus 2x points on bookings.",
          "icon": "crown.fill"
        },
        {
          "name": "Metal Card",
          "description": "Patent-pending stainless steel and PVD-coated metal card.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW (Primary)",
          "description": "Primary coverage when you decline the rental's CDW.",
          "icon": "car.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Reimbursement for prepaid, non-refundable travel charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Trip Delay Reimbursement",
          "description": "Reimbursement when your trip is delayed and you incur extra expenses.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "barclays_luxury_gold",
      "name": "Mastercard\u00ae Gold Card\u2122",
      "issuer": "Barclays",
      "image_asset_name": "card_barclays_luxury_gold",
      "annual_fee": 1199,
      "benefits": [
        {
          "id": "barclays_luxury_gold_airline",
          "name": "Annual Air Travel Credit",
          "description": "Up to $300 in annual airline statement credits for qualifying air travel purchases.",
          "value_amount": 300.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "airline",
          "is_enrollment_required": false
        },
        {
          "id": "barclays_luxury_gold_dining",
          "name": "Annual Dining Credit",
          "description": "Up to $200 in annual dining credits at qualified restaurants worldwide.",
          "value_amount": 200.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "dining",
          "is_enrollment_required": false
        },
        {
          "id": "barclays_luxury_gold_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $120 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        }
      ],
      "perks": [
        {
          "name": "Priority Pass Select (Unlimited)",
          "description": "Complimentary Priority Pass Select with unlimited lounge access for the cardmember and guests at 1,800+ lounges.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Luxury Card Concierge",
          "description": "24/7 concierge for travel planning, exclusive tickets, gifting, and VIP experiences.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Luxury Card Travel",
          "description": "Complimentary benefits at 3,000+ luxury hotels (room upgrades, breakfast, late checkout) plus 2x points on bookings.",
          "icon": "crown.fill"
        },
        {
          "name": "24K Gold-Plated Metal Card",
          "description": "24K-plated gold front with stainless steel back metal card.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW (Primary)",
          "description": "Primary coverage when you decline the rental's CDW.",
          "icon": "car.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Reimbursement for prepaid, non-refundable travel charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Trip Delay Reimbursement",
          "description": "Reimbursement when your trip is delayed and you incur extra expenses.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "barclays_luxury_titanium",
      "name": "Mastercard\u00ae Titanium Card\u2122",
      "issuer": "Barclays",
      "image_asset_name": "card_barclays_luxury_titanium",
      "annual_fee": 299,
      "benefits": [],
      "perks": [
        {
          "name": "Priority Pass Select",
          "description": "Complimentary Priority Pass Select for the cardmember and guests at 1,300+ lounges worldwide.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Luxury Card Concierge",
          "description": "24/7 concierge for travel planning, exclusive tickets, gifting, and VIP experiences.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Luxury Card Travel",
          "description": "Complimentary benefits at 3,000+ luxury properties (room upgrades, breakfast, complimentary Wi-Fi).",
          "icon": "crown.fill"
        },
        {
          "name": "Brushed Stainless Steel Metal Card",
          "description": "Brushed stainless steel and PVD-coated metal card.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW (Primary)",
          "description": "Primary coverage when you decline the rental's CDW.",
          "icon": "car.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Reimbursement for prepaid, non-refundable travel charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "usbank_skypass_signature",
      "name": "SKYPASS Visa Signature\u00ae Card",
      "issuer": "U.S. Bank",
      "image_asset_name": "card_usbank_skypass_signature",
      "annual_fee": 99,
      "benefits": [],
      "perks": [
        {
          "name": "2x SKYPASS Miles on Korean Air & More",
          "description": "Earn 2 miles per $1 on Korean Air ticket purchases, hotels, and dining.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "5% Off Companion Coupon",
          "description": "5% off coupon for cardholder and companion toward a qualifying Korean Air ticket each year.",
          "icon": "person.2.fill"
        },
        {
          "name": "First-Year Bonus Miles",
          "description": "Bonus miles each year on your account anniversary (subject to current terms).",
          "icon": "gift.fill"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "usbank_skypass_business",
      "name": "SKYPASS Visa\u00ae Business Card",
      "issuer": "U.S. Bank",
      "image_asset_name": "card_usbank_skypass_business",
      "annual_fee": 99,
      "benefits": [],
      "perks": [
        {
          "name": "2x SKYPASS Miles on Korean Air",
          "description": "Earn 2 miles per $1 on Korean Air ticket purchases.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "5% Off Companion Coupon",
          "description": "5% off coupon for cardholder and companion toward a qualifying Korean Air ticket each year.",
          "icon": "person.2.fill"
        },
        {
          "name": "Free Employee Cards",
          "description": "Issue free employee cards.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "usbank_altitude_connect",
      "name": "U.S. Bank Altitude\u00ae Connect Visa Signature\u00ae Card",
      "issuer": "U.S. Bank",
      "image_asset_name": "card_usbank_altitude_connect",
      "annual_fee": 0,
      "benefits": [
        {
          "id": "usbank_alt_connect_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $100 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        }
      ],
      "perks": [
        {
          "name": "Priority Pass Select (4 Visits/Year)",
          "description": "Complimentary Priority Pass with up to 4 free lounge visits per year at 1,700+ airport lounges.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "5x on Prepaid Hotels & Cars",
          "description": "Earn 5x points on prepaid hotels and rental cars booked in the Travel Center.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "4x on Travel & Gas",
          "description": "Earn 4x points on travel and at gas stations / EV charging.",
          "icon": "gift.fill"
        },
        {
          "name": "2x on Dining & Streaming",
          "description": "Earn 2x points on dining, streaming, and at grocery stores.",
          "icon": "gift.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Reimbursement for prepaid, non-refundable travel charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Trip Delay Reimbursement",
          "description": "Reimbursement when your trip is delayed and you incur extra expenses.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "usbank_altitude_go",
      "name": "U.S. Bank Altitude Go Visa Signature Card",
      "issuer": "U.S. Bank",
      "image_asset_name": "card_usbank_altitude_go",
      "annual_fee": 0,
      "benefits": [
        {
          "id": "usbank_alt_go_streaming",
          "name": "Annual Streaming Credit",
          "description": "Up to $15 statement credit for annual streaming service purchases (Netflix, Apple TV, Spotify, and more).",
          "value_amount": 15.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "other",
          "is_enrollment_required": false
        }
      ],
      "perks": [
        {
          "name": "4x on Dining",
          "description": "Earn 4x points on dining, takeout, and restaurant delivery (first $2,000/quarter, then 1x).",
          "icon": "gift.fill"
        },
        {
          "name": "2x on Grocery, Gas & Streaming",
          "description": "Earn 2x points at grocery stores, gas stations, EV charging, and on streaming services.",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "15-month 0% intro APR on purchases and balance transfers.",
          "icon": "creditcard"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        }
      ]
    },
    {
      "id": "usbank_business_altitude_connect",
      "name": "U.S. Bank Business Altitude\u00ae Connect Visa Signature\u00ae Card",
      "issuer": "U.S. Bank",
      "image_asset_name": "card_usbank_business_altitude_connect",
      "annual_fee": 95,
      "benefits": [
        {
          "id": "usbank_biz_alt_connect_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $100 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        }
      ],
      "perks": [
        {
          "name": "Priority Pass Select (4 Visits/Year)",
          "description": "Complimentary Priority Pass with up to 4 free lounge visits per year for the cardmember.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "5x on Prepaid Hotels & Cars",
          "description": "Earn 5x points on prepaid hotels and rental cars booked in the Travel Center.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "4x on Travel & Gas",
          "description": "Earn 4x points on travel and at gas stations / EV charging.",
          "icon": "gift.fill"
        },
        {
          "name": "Free Employee Cards",
          "description": "Issue free employee cards.",
          "icon": "creditcard"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Reimbursement for prepaid, non-refundable travel charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "usbank_business_leverage",
      "name": "U.S. Bank Business Leverage\u00ae Visa Signature\u00ae Card",
      "issuer": "U.S. Bank",
      "image_asset_name": "card_usbank_business_leverage",
      "annual_fee": 95,
      "benefits": [],
      "perks": [
        {
          "name": "2x on Top Two Spend Categories",
          "description": "Earn 2x points automatically on your top 2 spend categories each month.",
          "icon": "gift.fill"
        },
        {
          "name": "$0 Intro Annual Fee",
          "description": "No annual fee for the first year (terms vary).",
          "icon": "creditcard"
        },
        {
          "name": "Free Employee Cards",
          "description": "Issue free employee cards.",
          "icon": "creditcard"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        }
      ]
    },
    {
      "id": "usbank_business_platinum",
      "name": "U.S. Bank Business Platinum Card",
      "issuer": "U.S. Bank",
      "image_asset_name": "card_usbank_business_platinum",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "0% Intro APR",
          "description": "Long 0% intro APR on purchases and balance transfers (terms vary).",
          "icon": "creditcard"
        },
        {
          "name": "No Annual Fee",
          "description": "No annual fee for the life of the card.",
          "icon": "creditcard"
        },
        {
          "name": "Free Employee Cards",
          "description": "Issue free employee cards.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        }
      ]
    },
    {
      "id": "usbank_business_shield",
      "name": "U.S. Bank Business Shield\u2122 Visa\u00ae Card",
      "issuer": "U.S. Bank",
      "image_asset_name": "card_usbank_business_shield",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Long 0% Intro APR",
          "description": "Extended 0% intro APR on purchases and balance transfers for business.",
          "icon": "creditcard"
        },
        {
          "name": "No Annual Fee",
          "description": "No annual fee for the life of the card.",
          "icon": "creditcard"
        },
        {
          "name": "Free Employee Cards",
          "description": "Issue free employee cards.",
          "icon": "creditcard"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        }
      ]
    },
    {
      "id": "usbank_cash_plus",
      "name": "U.S. Bank Cash+ Visa Signature Card",
      "issuer": "U.S. Bank",
      "image_asset_name": "card_usbank_cash_plus",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "5% on Two Choice Categories",
          "description": "5% cash back on the first $2,000 in combined eligible purchases each quarter on two categories of your choice (12 to choose from).",
          "icon": "gift.fill"
        },
        {
          "name": "2% on a Choice Everyday Category",
          "description": "2% cash back on one everyday category (gas/EV, grocery, or restaurants).",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "15-month 0% intro APR on purchases and balance transfers.",
          "icon": "creditcard"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        }
      ]
    },
    {
      "id": "usbank_secured",
      "name": "U.S. Bank Secured Visa\u00ae Card",
      "issuer": "U.S. Bank",
      "image_asset_name": "card_usbank_secured",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Refundable Security Deposit",
          "description": "Security deposit ($300 minimum) sets your credit limit and is refundable when the account is closed in good standing.",
          "icon": "creditcard"
        },
        {
          "name": "Build Credit",
          "description": "Reports to all 3 major credit bureaus.",
          "icon": "creditcard"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        }
      ]
    },
    {
      "id": "usbank_shield",
      "name": "U.S. Bank Shield\u2122 Visa\u00ae Card",
      "issuer": "U.S. Bank",
      "image_asset_name": "card_usbank_shield",
      "annual_fee": 0,
      "benefits": [
        {
          "id": "usbank_shield_loyalty_credit",
          "name": "Annual Loyalty Statement Credit",
          "description": "$20 statement credit each year after making a purchase with the card for 11 consecutive months.",
          "value_amount": 20.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Conditional on 11 months of purchases in the prior year."
        }
      ],
      "perks": [
        {
          "name": "24-Month 0% Intro APR",
          "description": "24-billing-cycle 0% intro APR on purchases and balance transfers \u2014 one of the longest available.",
          "icon": "creditcard"
        },
        {
          "name": "4% on Travel Center",
          "description": "4% cash back on prepaid air, hotels, and car rentals booked through the U.S. Bank Travel Center.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Cell Phone Protection",
          "description": "Up to $600 per claim when you pay your monthly cell bill with the card.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Extended Warranty",
          "description": "Adds time to eligible U.S. manufacturer warranties.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "usbank_triple_cash_business",
      "name": "U.S. Bank Triple Cash Rewards Visa\u00ae Business Card",
      "issuer": "U.S. Bank",
      "image_asset_name": "card_usbank_triple_cash_business",
      "annual_fee": 0,
      "benefits": [
        {
          "id": "usbank_triple_cash_software",
          "name": "Annual Software Statement Credit",
          "description": "$100 in annual software-as-a-service statement credits for eligible recurring software subscription purchases (FreshBooks, QuickBooks, etc.).",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "other",
          "is_enrollment_required": false
        }
      ],
      "perks": [
        {
          "name": "3% Cash Back on Key Categories",
          "description": "3% cash back at gas stations / EV charging, office supply stores, cell phone service providers, and on restaurants.",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "15-billing-cycle 0% intro APR on purchases and balance transfers.",
          "icon": "creditcard"
        },
        {
          "name": "Free Employee Cards",
          "description": "Issue free employee cards.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        }
      ]
    },
    {
      "id": "usaa_cashback_rewards_plus_amex",
      "name": "USAA\u00ae Cashback Rewards Plus American Express\u00ae Card",
      "issuer": "USAA",
      "image_asset_name": "card_usaa_cashback_rewards_plus_amex",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "5% on Gas & Military Bases",
          "description": "5% cash back on the first $3,000 spent annually at gas stations and military bases.",
          "icon": "gift.fill"
        },
        {
          "name": "2% at Grocery Stores",
          "description": "2% cash back on the first $3,000 spent annually at grocery stores.",
          "icon": "gift.fill"
        },
        {
          "name": "Military-Focused Service",
          "description": "USAA-style member service tailored to military members and their families.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "usaa_eagle_navigator",
      "name": "USAA Eagle Navigator\u2122 Visa Signature\u00ae Credit Card",
      "issuer": "USAA",
      "image_asset_name": "card_usaa_eagle_navigator",
      "annual_fee": 95,
      "benefits": [
        {
          "id": "usaa_eagle_navigator_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $120 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        }
      ],
      "perks": [
        {
          "name": "3x on Travel",
          "description": "Earn 3x points on travel \u2014 air, hotel, car rentals, vacation rentals, ride-hailing services, and tolls.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "2x on All Other Purchases",
          "description": "Earn 2x points on all other purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "10,000 Bonus Points Annually",
          "description": "Earn 10,000 bonus points each year you book a hotel or car through the USAA Rewards Center \u2014 effectively offsets the annual fee.",
          "icon": "gift.fill"
        },
        {
          "name": "Cell Phone Protection",
          "description": "Cell phone protection when you pay your monthly cell bill with the card.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Reimbursement for prepaid, non-refundable travel charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Travel Accident Insurance",
          "description": "Common-carrier travel accident coverage when fares are charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "usaa_preferred_cash_rewards",
      "name": "USAA\u00ae Preferred Cash Rewards Visa Signature\u00ae Card",
      "issuer": "USAA",
      "image_asset_name": "card_usaa_preferred_cash_rewards",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "1.5% on Everything",
          "description": "Unlimited 1.5% cash back on every purchase.",
          "icon": "gift.fill"
        },
        {
          "name": "Military-Focused Service",
          "description": "USAA-style member service tailored to military members and their families.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "usaa_rate_advantage",
      "name": "USAA\u00ae Rate Advantage Visa Platinum\u00ae Card",
      "issuer": "USAA",
      "image_asset_name": "card_usaa_rate_advantage",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Lowest Rate Tier",
          "description": "One of USAA's lowest available APR rates for qualified members.",
          "icon": "creditcard"
        },
        {
          "name": "Military-Focused Service",
          "description": "USAA-style member service tailored to military members and their families.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "usaa_rewards_amex",
      "name": "USAA\u00ae Rewards\u2122 American Express\u00ae Card",
      "issuer": "USAA",
      "image_asset_name": "card_usaa_rewards_amex",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "3x on Restaurants",
          "description": "Earn 3x points on dining purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "2x at Gas & Grocery",
          "description": "Earn 2x points at gas stations and grocery stores.",
          "icon": "gift.fill"
        },
        {
          "name": "Military-Focused Service",
          "description": "USAA-style member service tailored to military members and their families.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "usaa_rewards_visa",
      "name": "USAA\u00ae Rewards\u2122 Visa Signature\u00ae Card",
      "issuer": "USAA",
      "image_asset_name": "card_usaa_rewards_visa",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "2x on Dining & Gas",
          "description": "Earn 2x points on dining and at gas stations.",
          "icon": "gift.fill"
        },
        {
          "name": "1x on All Other",
          "description": "Earn 1x points on all other purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "Military-Focused Service",
          "description": "USAA-style member service tailored to military members and their families.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "pnc_business_options",
      "name": "PNC BusinessOptions\u00ae Visa Signature\u00ae Credit Card",
      "issuer": "PNC",
      "image_asset_name": "card_pnc_business_options",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Customizable Rewards",
          "description": "Choose between cash back or travel rewards (terms vary).",
          "icon": "gift.fill"
        },
        {
          "name": "Free Employee Cards",
          "description": "Issue free employee cards.",
          "icon": "creditcard"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        }
      ]
    },
    {
      "id": "pnc_cash_rewards",
      "name": "PNC Cash Rewards\u00ae Visa\u00ae Credit Card",
      "issuer": "PNC",
      "image_asset_name": "card_pnc_cash_rewards",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "4% on Gas",
          "description": "4% cash back at gas stations on the first $8,000 in combined annual spend.",
          "icon": "gift.fill"
        },
        {
          "name": "3% on Restaurants",
          "description": "3% cash back at restaurants (within combined annual cap).",
          "icon": "gift.fill"
        },
        {
          "name": "2% at Grocery",
          "description": "2% cash back at grocery stores (within combined annual cap).",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "Intro 0% APR on purchases and balance transfers (terms vary).",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        }
      ]
    },
    {
      "id": "pnc_core",
      "name": "PNC Core\u00ae Visa\u00ae Credit Card",
      "issuer": "PNC",
      "image_asset_name": "card_pnc_core",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Long 0% Intro APR",
          "description": "Extended 0% intro APR on purchases and balance transfers.",
          "icon": "creditcard"
        },
        {
          "name": "No Annual Fee",
          "description": "No annual fee for the life of the card.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        }
      ]
    },
    {
      "id": "pnc_points_business",
      "name": "PNC points\u00ae Visa\u00ae Business Credit Card",
      "issuer": "PNC",
      "image_asset_name": "card_pnc_points_business",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Unlimited Points on All Purchases",
          "description": "Earn unlimited points on every business purchase.",
          "icon": "gift.fill"
        },
        {
          "name": "Flexible Redemption",
          "description": "Redeem PNC points for cash back, travel, gift cards, or merchandise.",
          "icon": "gift.fill"
        },
        {
          "name": "Free Employee Cards",
          "description": "Issue free employee cards.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        }
      ]
    },
    {
      "id": "pnc_points",
      "name": "PNC points\u00ae Visa\u00ae Credit Card",
      "issuer": "PNC",
      "image_asset_name": "card_pnc_points",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Unlimited Points on All Purchases",
          "description": "Earn unlimited points on every purchase.",
          "icon": "gift.fill"
        },
        {
          "name": "Flexible Redemption",
          "description": "Redeem PNC points for cash back, travel, gift cards, or merchandise.",
          "icon": "gift.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        }
      ]
    },
    {
      "id": "pnc_travel_rewards_business",
      "name": "PNC Travel Rewards Visa\u00ae Business Credit Card",
      "issuer": "PNC",
      "image_asset_name": "card_pnc_travel_rewards_business",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Unlimited Travel Miles",
          "description": "Earn unlimited miles on every business purchase, redeemable for travel.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Free Employee Cards",
          "description": "Issue free employee cards.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "pnc_visa_business",
      "name": "PNC Visa\u00ae Business Credit Card",
      "issuer": "PNC",
      "image_asset_name": "card_pnc_visa_business",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Long 0% Intro APR",
          "description": "Extended 0% intro APR on purchases (terms vary).",
          "icon": "creditcard"
        },
        {
          "name": "No Annual Fee",
          "description": "No annual fee for the life of the card.",
          "icon": "creditcard"
        },
        {
          "name": "Free Employee Cards",
          "description": "Issue free employee cards.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        }
      ]
    },
    {
      "id": "penfed_gold",
      "name": "PenFed Gold Visa\u00ae Card",
      "issuer": "PenFed",
      "image_asset_name": "card_penfed_gold",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Low Fixed APR",
          "description": "Among the lowest fixed APRs available to PenFed members.",
          "icon": "creditcard"
        },
        {
          "name": "0% Intro APR on BT",
          "description": "Intro 0% APR on balance transfers (terms vary).",
          "icon": "creditcard"
        },
        {
          "name": "No Annual Fee",
          "description": "No annual fee for the life of the card.",
          "icon": "creditcard"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        }
      ]
    },
    {
      "id": "penfed_pathfinder",
      "name": "PenFed Pathfinder\u00ae Rewards Visa Signature\u00ae Card",
      "issuer": "PenFed",
      "image_asset_name": "card_penfed_pathfinder",
      "annual_fee": 95,
      "benefits": [
        {
          "id": "penfed_pathfinder_airline",
          "name": "Annual Airline Travel Credit",
          "description": "$100 domestic air ancillary travel credit (baggage fees, seat selection, etc.) per calendar year.",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "airline",
          "is_enrollment_required": false
        },
        {
          "id": "penfed_pathfinder_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $120 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 120.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        }
      ],
      "perks": [
        {
          "name": "Priority Pass Select",
          "description": "Annual Priority Pass Select membership for 1,200+ airport lounges.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "4x on Travel (Honors Members)",
          "description": "Earn 4x points on travel as an Honors Advantage member; 3x for everyone else.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Annual Fee Waiver",
          "description": "Annual fee can be waived if you meet PenFed eligibility requirements.",
          "icon": "creditcard"
        },
        {
          "name": "Trip Delay Reimbursement",
          "description": "Reimbursement when your trip is delayed and you incur extra expenses.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "penfed_platinum_rewards",
      "name": "Platinum Rewards Visa Signature\u00ae Card",
      "issuer": "PenFed",
      "image_asset_name": "card_penfed_platinum_rewards",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "5x on Gas",
          "description": "5x points at gas stations.",
          "icon": "car.fill"
        },
        {
          "name": "3x on Grocery & Restaurants",
          "description": "3x points at grocery stores and on restaurants.",
          "icon": "gift.fill"
        },
        {
          "name": "No Annual Fee",
          "description": "No annual fee for the life of the card.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "penfed_power_cash_rewards",
      "name": "Power Cash Rewards Visa Signature\u00ae Card",
      "issuer": "PenFed",
      "image_asset_name": "card_penfed_power_cash_rewards",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "2% on Everything (Honors)",
          "description": "2% cash back on every purchase as an Honors Advantage member; 1.5% otherwise.",
          "icon": "gift.fill"
        },
        {
          "name": "No Annual Fee",
          "description": "No annual fee for the life of the card.",
          "icon": "creditcard"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "synchrony_bp_rewards",
      "name": "BP Rewards Visa\u00ae",
      "issuer": "Synchrony",
      "image_asset_name": "card_synchrony_bp_rewards",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Cents-Off at BP",
          "description": "Earn cents-off-per-gallon discounts on BP and Amoco gas purchases.",
          "icon": "car.fill"
        },
        {
          "name": "Bonus Categories",
          "description": "Bonus rewards on dining, travel, and other categories (terms vary).",
          "icon": "gift.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "synchrony_mylowes_rewards",
      "name": "MyLowe's Rewards Credit Card",
      "issuer": "Synchrony",
      "image_asset_name": "card_synchrony_mylowes_rewards",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "5% Off at Lowe's",
          "description": "5% off on eligible Lowe's purchases (or special financing on $299+ purchases).",
          "icon": "gift.fill"
        },
        {
          "name": "Project Financing",
          "description": "Project financing options on larger purchases (terms vary).",
          "icon": "creditcard"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "synchrony_real_rewards_ae",
      "name": "Real Rewards\u00ae Credit Card by American Eagle and Aerie",
      "issuer": "Synchrony",
      "image_asset_name": "card_synchrony_real_rewards_ae",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "15% Off Welcome",
          "description": "15% off your first AE/Aerie purchase as a new cardmember.",
          "icon": "gift.fill"
        },
        {
          "name": "Birthday Reward",
          "description": "Annual birthday reward.",
          "icon": "gift.fill"
        },
        {
          "name": "Free Shipping",
          "description": "Free shipping on AE/Aerie purchases at qualifying spend tiers.",
          "icon": "bag.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "synchrony_sun_country",
      "name": "Sun Country Airlines\u00ae Visa Signature\u00ae Card",
      "issuer": "Synchrony",
      "image_asset_name": "card_synchrony_sun_country",
      "annual_fee": 89,
      "benefits": [],
      "perks": [
        {
          "name": "50% Off First Bag",
          "description": "50% off the first checked bag for the cardmember and travel companion.",
          "icon": "bag.fill"
        },
        {
          "name": "50% Off Seat Selection",
          "description": "50% off best and standard seat selections on Sun Country flights.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Free Premium Drink",
          "description": "Free premium drink on every Sun Country flight.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "25% Off In-flight F&B",
          "description": "25% off food and beverages on Sun Country flights.",
          "icon": "gift.fill"
        },
        {
          "name": "10K Anniversary at $10K Spend",
          "description": "Earn a 10,000-point anniversary bonus when you spend $10,000 on the card in a calendar year.",
          "icon": "gift.fill"
        },
        {
          "name": "Path to Plus Status",
          "description": "Earn Sun Country Plus status by flying 10 qualifying flights or spending $10,000 in a calendar year.",
          "icon": "crown.fill"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "synchrony_premier",
      "name": "Synchrony Premier World Mastercard\u00ae",
      "issuer": "Synchrony",
      "image_asset_name": "card_synchrony_premier",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "2% Cash Back on Everything",
          "description": "Unlimited 2% cash back on every purchase.",
          "icon": "gift.fill"
        },
        {
          "name": "No Annual Fee",
          "description": "No annual fee for the life of the card.",
          "icon": "creditcard"
        },
        {
          "name": "World Elite Mastercard Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "synchrony_techron_advantage",
      "name": "Techron Advantage\u00ae Visa Card",
      "issuer": "Synchrony",
      "image_asset_name": "card_synchrony_techron_advantage",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Cents-Off at Chevron & Texaco",
          "description": "Cents-off-per-gallon discounts on Chevron and Texaco gas purchases.",
          "icon": "car.fill"
        },
        {
          "name": "Special Financing",
          "description": "Special financing on qualifying gas purchases.",
          "icon": "creditcard"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "synchrony_verizon_visa",
      "name": "Verizon Visa\u00ae Card",
      "issuer": "Synchrony",
      "image_asset_name": "card_synchrony_verizon_visa",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Up to 4% on Gas & Grocery",
          "description": "Earn up to 4% Verizon Dollars on gas station and grocery store purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "Verizon Bill Discount",
          "description": "Use Verizon Dollars for a discount on your Verizon Wireless bill, Fios, or other Verizon services.",
          "icon": "gift.fill"
        },
        {
          "name": "Bonus on Dining",
          "description": "Earn 3% Verizon Dollars on dining.",
          "icon": "gift.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "td_target_circle",
      "name": "Target Circle\u2122 Card",
      "issuer": "TD Bank",
      "image_asset_name": "card_td_target_circle",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "5% Off at Target",
          "description": "5% off on every Target purchase (some exclusions apply).",
          "icon": "gift.fill"
        },
        {
          "name": "Free Shipping at Target.com",
          "description": "Free 2-day shipping on most items at Target.com.",
          "icon": "bag.fill"
        },
        {
          "name": "Extra 30 Days for Returns",
          "description": "An extra 30 days for returns at Target.",
          "icon": "arrow.uturn.backward.circle.fill"
        },
        {
          "name": "Exclusive Offers",
          "description": "Cardmember-only offers throughout the year.",
          "icon": "gift.fill"
        }
      ]
    },
    {
      "id": "td_business_solutions",
      "name": "TD Business Solutions Credit Card",
      "issuer": "TD Bank",
      "image_asset_name": "card_td_business_solutions",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "3x on Top Eligible Category",
          "description": "Earn 3x points on your highest spend category each billing cycle (gas, dining, telecom, etc.).",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "Intro 0% APR on purchases (terms vary).",
          "icon": "creditcard"
        },
        {
          "name": "Free Employee Cards",
          "description": "Issue free employee cards.",
          "icon": "creditcard"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        }
      ]
    },
    {
      "id": "td_cash",
      "name": "TD Cash Credit Card",
      "issuer": "TD Bank",
      "image_asset_name": "card_td_cash",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "3% on Top Choice Category",
          "description": "3% cash back on your top choice category \u2014 dining, entertainment, or gas.",
          "icon": "gift.fill"
        },
        {
          "name": "2% on Second Choice Category",
          "description": "2% cash back on your second choice category from the same list.",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "Intro 0% APR on balance transfers (terms vary).",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "td_first_class",
      "name": "TD First Class\u2120 Visa Signature\u00ae Credit Card",
      "issuer": "TD Bank",
      "image_asset_name": "card_td_first_class",
      "annual_fee": 89,
      "benefits": [],
      "perks": [
        {
          "name": "3x on Travel",
          "description": "Earn 3x points on travel and dining purchased through the TD Rewards Center.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Free FICO Score",
          "description": "Free FICO score access.",
          "icon": "gift.fill"
        },
        {
          "name": "Cell Phone Protection",
          "description": "Coverage for damage or theft when you pay your monthly cell bill with the card.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "discover_it_cash_back",
      "name": "Discover it\u00ae Cash Back",
      "issuer": "Discover",
      "image_asset_name": "card_discover_it_cash_back",
      "annual_fee": 0,
      "benefits": [
        {
          "id": "discover_it_quarterly",
          "name": "Quarterly 5% Cash Back Category",
          "description": "Up to $75 cash-back bonus per quarter ($300/year max). Q3 2026 (Jul\u2013Sep): Gas Stations and EV Charging, Public Transportation, Flights, and Drugstores. Earn 5% on up to $1,500 in combined spending each quarter (then 1%). Must activate each quarter via your Discover account.",
          "value_amount": 300.0,
          "currency_symbol": "$",
          "reset_frequency": "quarterly",
          "reset_rule": "calendar_year",
          "category": "other",
          "is_enrollment_required": true,
          "notes": "Categories rotate quarterly. Activation is not retroactive \u2014 only purchases made after activation count. $1,500 spending cap is per quarter; standard 1% applies above cap."
        }
      ],
      "perks": [
        {
          "name": "5% Quarterly Bonus Categories",
          "description": "5% cash back on rotating quarterly categories (up to $1,500 in combined purchases per quarter, then 1%). Activation required each quarter.",
          "icon": "gift.fill"
        },
        {
          "name": "First-Year Cashback Match",
          "description": "Discover automatically matches all the cash back you earn at the end of your first year \u2014 unlimited, no enrollment.",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "15-month 0% intro APR on purchases and balance transfers.",
          "icon": "creditcard"
        },
        {
          "name": "Free FICO Score",
          "description": "Free FICO score access through the issuer's app or online portal.",
          "icon": "gift.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        },
        {
          "name": "Freeze It\u2122",
          "description": "Freeze your account in seconds via app to prevent new purchases.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "discover_it_chrome",
      "name": "Discover it\u00ae Chrome",
      "issuer": "Discover",
      "image_asset_name": "card_discover_it_chrome",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "2% on Gas & Restaurants",
          "description": "2% cash back at gas stations and restaurants on the first $1,000 in combined quarterly purchases, then 1%.",
          "icon": "gift.fill"
        },
        {
          "name": "First-Year Cashback Match",
          "description": "Discover automatically matches all the cash back you earn at the end of your first year \u2014 unlimited.",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "15-month 0% intro APR on purchases and balance transfers.",
          "icon": "creditcard"
        },
        {
          "name": "Free FICO Score",
          "description": "Free FICO score access through the issuer's app or online portal.",
          "icon": "gift.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "discover_it_miles",
      "name": "Discover it\u00ae Miles",
      "issuer": "Discover",
      "image_asset_name": "card_discover_it_miles",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "1.5x Miles on Everything",
          "description": "Earn 1.5x Miles per $1 on every purchase, no caps or categories.",
          "icon": "gift.fill"
        },
        {
          "name": "First-Year Miles Match",
          "description": "Discover automatically matches all the Miles you earn at the end of your first year \u2014 unlimited.",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "15-month 0% intro APR on purchases.",
          "icon": "creditcard"
        },
        {
          "name": "Statement Credit Redemption",
          "description": "Redeem Miles for statement credits against travel purchases or for cash.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Free FICO Score",
          "description": "Free FICO score access through the issuer's app or online portal.",
          "icon": "gift.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "discover_it_secured",
      "name": "Discover it\u00ae Secured Credit Card",
      "issuer": "Discover",
      "image_asset_name": "card_discover_it_secured",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Refundable Security Deposit",
          "description": "Refundable security deposit ($200 minimum) sets your credit limit; refundable when account is closed in good standing or you graduate.",
          "icon": "creditcard"
        },
        {
          "name": "2% on Gas & Restaurants",
          "description": "2% cash back at gas stations and restaurants on the first $1,000 in combined quarterly purchases, then 1%.",
          "icon": "gift.fill"
        },
        {
          "name": "First-Year Cashback Match",
          "description": "Discover matches all cash back earned at end of your first year \u2014 unlimited.",
          "icon": "gift.fill"
        },
        {
          "name": "Path to Unsecured",
          "description": "Account is reviewed monthly starting at 7 months to graduate to an unsecured Discover card.",
          "icon": "gift.fill"
        },
        {
          "name": "Reports to All 3 Bureaus",
          "description": "Reports to Equifax, Experian, and TransUnion to help build credit history.",
          "icon": "creditcard"
        },
        {
          "name": "Free FICO Score",
          "description": "Free FICO score access through the issuer's app or online portal.",
          "icon": "gift.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "discover_it_student_cash_back",
      "name": "Discover it\u00ae Student Cash Back",
      "issuer": "Discover",
      "image_asset_name": "card_discover_it_student_cash_back",
      "annual_fee": 0,
      "benefits": [
        {
          "id": "discover_it_student_quarterly",
          "name": "Quarterly 5% Cash Back Category",
          "description": "Up to $75 cash-back bonus per quarter ($300/year max). Q3 2026 (Jul\u2013Sep): Gas Stations and EV Charging, Public Transportation, Flights, and Drugstores. Earn 5% on up to $1,500 in combined spending each quarter (then 1%). Must activate each quarter via your Discover account.",
          "value_amount": 300.0,
          "currency_symbol": "$",
          "reset_frequency": "quarterly",
          "reset_rule": "calendar_year",
          "category": "other",
          "is_enrollment_required": true,
          "notes": "Categories rotate quarterly on the same Discover calendar as Discover it\u00ae Cash Back. Activation is not retroactive \u2014 only purchases made after activation count. $1,500 spending cap is per quarter; standard 1% applies above cap."
        }
      ],
      "perks": [
        {
          "name": "5% Quarterly Bonus Categories",
          "description": "5% cash back on rotating quarterly categories (up to $1,500/quarter, then 1%). Activation required.",
          "icon": "gift.fill"
        },
        {
          "name": "First-Year Cashback Match",
          "description": "Discover matches all cash back earned at end of your first year \u2014 unlimited.",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "6-month 0% intro APR on purchases.",
          "icon": "creditcard"
        },
        {
          "name": "Free FICO Score",
          "description": "Free FICO score access through the issuer's app or online portal.",
          "icon": "gift.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "discover_it_student_chrome",
      "name": "Discover it\u00ae Student Chrome",
      "issuer": "Discover",
      "image_asset_name": "card_discover_it_student_chrome",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "2% on Gas & Restaurants",
          "description": "2% cash back at gas stations and restaurants on the first $1,000 in combined quarterly purchases, then 1%.",
          "icon": "gift.fill"
        },
        {
          "name": "First-Year Cashback Match",
          "description": "Discover matches all cash back earned at end of your first year \u2014 unlimited.",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "6-month 0% intro APR on purchases.",
          "icon": "creditcard"
        },
        {
          "name": "Free FICO Score",
          "description": "Free FICO score access through the issuer's app or online portal.",
          "icon": "gift.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "discover_nhl",
      "name": "NHL\u00ae Discover it\u00ae",
      "issuer": "Discover",
      "image_asset_name": "card_discover_nhl",
      "annual_fee": 0,
      "benefits": [
        {
          "id": "discover_nhl_quarterly",
          "name": "Quarterly 5% Cash Back Category",
          "description": "Up to $75 cash-back bonus per quarter ($300/year max). Q3 2026 (Jul\u2013Sep): Gas Stations and EV Charging, Public Transportation, Flights, and Drugstores. Earn 5% on up to $1,500 in combined spending each quarter (then 1%). Must activate each quarter via your Discover account.",
          "value_amount": 300.0,
          "currency_symbol": "$",
          "reset_frequency": "quarterly",
          "reset_rule": "calendar_year",
          "category": "other",
          "is_enrollment_required": true,
          "notes": "Categories rotate quarterly on the same Discover calendar as Discover it\u00ae Cash Back. Activation is not retroactive \u2014 only purchases made after activation count. $1,500 spending cap is per quarter; standard 1% applies above cap."
        }
      ],
      "perks": [
        {
          "name": "5% Quarterly Bonus Categories",
          "description": "5% cash back on rotating quarterly categories (up to $1,500/quarter, then 1%). Activation required.",
          "icon": "gift.fill"
        },
        {
          "name": "First-Year Cashback Match",
          "description": "Discover matches all cash back earned at end of your first year \u2014 unlimited.",
          "icon": "gift.fill"
        },
        {
          "name": "Choose Your NHL Team",
          "description": "Choose any NHL team design for your card.",
          "icon": "gift.fill"
        },
        {
          "name": "Free FICO Score",
          "description": "Free FICO score access through the issuer's app or online portal.",
          "icon": "gift.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "fidelity_rewards_visa_signature",
      "name": "Fidelity\u00ae Rewards Visa Signature\u00ae Card",
      "issuer": "Fidelity",
      "image_asset_name": "card_fidelity_visa",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "2% Cash Back (Fidelity Deposit)",
          "description": "Unlimited 2 points per $1 on all eligible purchases. Worth 2% when redeemed as a deposit into an eligible Fidelity account; redemption value differs for travel, gift cards, or statement credit.",
          "icon": "dollarsign.circle.fill"
        },
        {
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Earn up to $100 in Reward Points when you apply for Global Entry or TSA PreCheck and pay with the card.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 access to a Visa Signature Concierge for travel, dining, and event-booking assistance.",
          "icon": "bell.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary auto rental collision damage waiver on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Travel & Emergency Assistance",
          "description": "24/7 access to medical, legal, and travel referrals when more than 100 miles from home.",
          "icon": "cross.case.fill"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Up to $3,000 per trip when the common carrier ticket is charged to the card.",
          "icon": "suitcase.fill"
        },
        {
          "name": "Purchase Security",
          "description": "Replace, repair, or reimburse eligible items up to $500 per claim for 90 days from purchase.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S. (changed September 2023).",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "apple_card",
      "name": "Apple Card",
      "issuer": "Goldman Sachs Bank USA",
      "image_asset_name": "card_apple",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "3% Daily Cash with Apple",
          "description": "3% Daily Cash on purchases at Apple and at select merchants when paying with Apple Pay (Uber, Walgreens, Nike, etc.).",
          "icon": "gift.fill"
        },
        {
          "name": "2% Daily Cash on Apple Pay",
          "description": "2% Daily Cash on every purchase made with Apple Card via Apple Pay.",
          "icon": "gift.fill"
        },
        {
          "name": "1% Daily Cash on Card",
          "description": "1% Daily Cash on purchases made with the physical titanium card or card number.",
          "icon": "gift.fill"
        },
        {
          "name": "High-Yield Savings",
          "description": "Send Daily Cash to a high-yield Savings account (3.50% APY as of April 2026; max $1M balance).",
          "icon": "gift.fill"
        },
        {
          "name": "Apple Card Family",
          "description": "Share Apple Card with up to 5 family members; co-own and split rewards.",
          "icon": "person.2.fill"
        },
        {
          "name": "Issuer Migration to Chase",
          "description": "Apple announced Chase will become the new issuer of Apple Card; transition is expected over ~24 months. Cardholders keep all Apple Card features during the transition.",
          "icon": "creditcard"
        },
        {
          "name": "No Fees",
          "description": "No annual fee, no foreign transaction fees, no late fees, no over-limit fees.",
          "icon": "creditcard"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "hsbc_premier",
      "name": "HSBC Premier Credit Card",
      "issuer": "HSBC",
      "image_asset_name": "card_hsbc_premier",
      "annual_fee": 95,
      "benefits": [],
      "perks": [
        {
          "name": "Premier Banking Required",
          "description": "Card is available exclusively to HSBC Premier banking relationship customers.",
          "icon": "creditcard"
        },
        {
          "name": "3x on Travel",
          "description": "Earn 3x points on eligible travel purchases.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "2x on Dining",
          "description": "Earn 2x points on eligible dining purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "Global Concierge",
          "description": "24/7 Global Concierge for travel, dining, and entertainment requests.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Priority Pass Select",
          "description": "Priority Pass Select membership for airport lounge access (terms vary by tier).",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "mt_business",
      "name": "M&T Business Credit Card",
      "issuer": "M&T Bank",
      "image_asset_name": "card_mt_business",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Long 0% Intro APR",
          "description": "Extended 0% intro APR on purchases (terms vary).",
          "icon": "creditcard"
        },
        {
          "name": "Free Employee Cards",
          "description": "Issue free employee cards.",
          "icon": "creditcard"
        },
        {
          "name": "No Annual Fee",
          "description": "No annual fee for the life of the card.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "mt_business_rewards",
      "name": "M&T Business Rewards Credit Card",
      "issuer": "M&T Bank",
      "image_asset_name": "card_mt_business_rewards",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "1.5% Cash Back on All Purchases",
          "description": "Unlimited 1.5% cash back on every business purchase.",
          "icon": "gift.fill"
        },
        {
          "name": "Free Employee Cards",
          "description": "Issue free employee cards.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "mt_visa",
      "name": "M&T Visa Credit Card",
      "issuer": "M&T Bank",
      "image_asset_name": "card_mt_visa",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Long 0% Intro APR",
          "description": "Extended 0% intro APR on purchases and balance transfers (terms vary).",
          "icon": "creditcard"
        },
        {
          "name": "No Annual Fee",
          "description": "No annual fee for the life of the card.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "mt_visa_rewards",
      "name": "M&T Visa\u00ae Credit Card with Rewards",
      "issuer": "M&T Bank",
      "image_asset_name": "card_mt_visa_rewards",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "1.5% Cash Back on Everything",
          "description": "Unlimited 1.5% cash back on every purchase.",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "Intro 0% APR on purchases and balance transfers (terms vary).",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "mt_visa_signature",
      "name": "M&T Visa\u00ae Signature Credit Card",
      "issuer": "M&T Bank",
      "image_asset_name": "card_mt_visa_signature",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Tiered Rewards",
          "description": "Earn boosted points in select bonus categories (gas, dining, travel) plus base earning on all purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "navyfederal_nrewards_secured",
      "name": "Navy Federal nRewards\u00ae Secured Credit Card",
      "issuer": "Navy Federal Credit Union",
      "image_asset_name": "card_navyfederal_nrewards_secured",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "1x Points on All Purchases",
          "description": "Earn 1 point per $1 spent on all purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "Refundable Security Deposit",
          "description": "Security deposit ($200 minimum) sets credit limit; refundable when account is closed or graduates to unsecured.",
          "icon": "creditcard"
        },
        {
          "name": "Path to Unsecured",
          "description": "Account reviewed for graduation to an unsecured Navy Federal card after consistent on-time payments.",
          "icon": "gift.fill"
        },
        {
          "name": "Reports to All 3 Bureaus",
          "description": "Reports to Equifax, Experian, and TransUnion to help build credit history.",
          "icon": "creditcard"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "brex",
      "name": "Brex Card",
      "issuer": "Brex",
      "image_asset_name": "card_brex",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "7x on Rideshare",
          "description": "Earn 7x Brex points on rideshare purchases when using Brex exclusively.",
          "icon": "car.fill"
        },
        {
          "name": "4x on Brex Travel",
          "description": "Earn 4x Brex points on travel booked through the Brex travel portal.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "3x on Restaurants",
          "description": "Earn 3x Brex points on dining purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "2x on Software",
          "description": "Earn 2x Brex points on recurring software subscriptions.",
          "icon": "gift.fill"
        },
        {
          "name": "No Personal Guarantee",
          "description": "Corporate charge card with no personal guarantee \u2014 credit limits based on company cash balance and revenue.",
          "icon": "creditcard"
        },
        {
          "name": "Pay-In-Full Charge Card",
          "description": "No preset spending limit; balance must be paid in full each billing cycle.",
          "icon": "creditcard"
        },
        {
          "name": "$350K+ in Partner Discounts",
          "description": "Access to over $350,000 in potential partner discounts including AWS, Slack, OpenAI, and QuickBooks. Free DashPass included.",
          "icon": "gift.fill"
        },
        {
          "name": "Mastercard Travel & Insurance",
          "description": "Travel assistance, rental car coverage, and purchase protection via Mastercard.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "capitalbank_opensky_secured",
      "name": "OpenSky\u00ae Secured Visa\u00ae Credit Card",
      "issuer": "Capital Bank",
      "image_asset_name": "card_capitalbank_opensky_secured",
      "annual_fee": 35,
      "benefits": [],
      "perks": [
        {
          "name": "No Credit Check",
          "description": "No credit check required for approval.",
          "icon": "creditcard"
        },
        {
          "name": "Refundable Security Deposit",
          "description": "Security deposit ($200 minimum) sets your credit limit; refundable.",
          "icon": "creditcard"
        },
        {
          "name": "Reports to All 3 Bureaus",
          "description": "Reports to Equifax, Experian, and TransUnion to help build credit history.",
          "icon": "creditcard"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "citizens_cash_back_plus",
      "name": "Citizens Cash Back Plus\u2122 World Mastercard\u00ae",
      "issuer": "Citizens Bank",
      "image_asset_name": "card_citizens_cash_back_plus",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "1.8% Cash Back on Everything",
          "description": "Unlimited 1.8% cash back on every purchase.",
          "icon": "gift.fill"
        },
        {
          "name": "0% Intro APR",
          "description": "Intro 0% APR on balance transfers (terms vary).",
          "icon": "creditcard"
        },
        {
          "name": "World Elite Mastercard Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "coastal_aven_rewards",
      "name": "Aven Rewards Visa\u00ae Card",
      "issuer": "Coastal Community Bank",
      "image_asset_name": "card_coastal_aven_rewards",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "3% Cash Back on First $10K",
          "description": "3% cash back on the first $10,000 in annual purchases, then unlimited 2%.",
          "icon": "gift.fill"
        },
        {
          "name": "7x on Hotels via Aven Travel",
          "description": "Earn 7x points on hotels booked through the Aven Travel Portal.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "2x on Flights via Aven Travel",
          "description": "Earn 2x points on flights booked through the Aven Travel Portal.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "No Annual Fee",
          "description": "No annual fee for the life of the card.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "comenity_lands_end",
      "name": "Lands' End\u00ae Visa\u00ae Credit Card",
      "issuer": "Comenity Capital Bank",
      "image_asset_name": "card_comenity_lands_end",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "5x at Lands' End",
          "description": "Earn 5x points on every Lands' End purchase.",
          "icon": "gift.fill"
        },
        {
          "name": "Free Standard Shipping",
          "description": "Free standard shipping on Lands' End purchases at qualifying spend tiers.",
          "icon": "bag.fill"
        },
        {
          "name": "Birthday Gift",
          "description": "Annual birthday gift from Lands' End for cardmembers.",
          "icon": "gift.fill"
        },
        {
          "name": "Cardholder-Only Offers",
          "description": "Exclusive shopping offers throughout the year.",
          "icon": "gift.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "commerce_secured",
      "name": "Commerce Bank Secured Visa\u00ae Credit Card",
      "issuer": "Commerce Bank",
      "image_asset_name": "card_commerce_secured",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Refundable Security Deposit",
          "description": "Security deposit ($300 minimum) determines credit limit; refundable when account is closed or graduates.",
          "icon": "creditcard"
        },
        {
          "name": "Reports to All 3 Bureaus",
          "description": "Reports to Equifax, Experian, and TransUnion to help build credit history.",
          "icon": "creditcard"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "commerce_voila",
      "name": "Commerce Bank VOIL\u00c0 Hotel Rewards Visa Signature\u00ae",
      "issuer": "Commerce Bank",
      "image_asset_name": "card_commerce_voila",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "VOIL\u00c0 Hotel Rewards",
          "description": "Earn VOIL\u00c0 Hotel Rewards points on stays at participating Magnolia, Westbury, NYLO, and Murano hotels.",
          "icon": "crown.fill"
        },
        {
          "name": "Anniversary Bonus",
          "description": "Anniversary bonus points (terms vary by current program).",
          "icon": "gift.fill"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "commerce_special_connections",
      "name": "Special Connections\u00ae Credit Card",
      "issuer": "Commerce Bank",
      "image_asset_name": "card_commerce_special_connections",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Charity Donation",
          "description": "A portion of every purchase is donated to your selected charitable cause.",
          "icon": "gift.fill"
        },
        {
          "name": "Bonus Points on Donations",
          "description": "Earn bonus points on charitable contributions (terms vary).",
          "icon": "gift.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "creditone_platinum_rewards",
      "name": "Credit One Bank\u00ae Platinum Rewards Visa",
      "issuer": "Credit One Bank",
      "image_asset_name": "card_creditone_platinum_rewards",
      "annual_fee": 39,
      "benefits": [],
      "perks": [
        {
          "name": "5% Bonus Categories",
          "description": "5% cash back on the first $5,000 spent annually in bonus categories (gas, groceries, internet, mobile, cable, satellite TV).",
          "icon": "gift.fill"
        },
        {
          "name": "1% on All Other",
          "description": "1% cash back on all other eligible purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "Reports to All 3 Bureaus",
          "description": "Reports to Equifax, Experian, and TransUnion to help build credit history.",
          "icon": "creditcard"
        },
        {
          "name": "Free FICO Score",
          "description": "Free FICO score access through the issuer's app or online portal.",
          "icon": "gift.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "creditone_platinum_no_af",
      "name": "Credit One Bank\u00ae Platinum Rewards Visa with No Annual Fee",
      "issuer": "Credit One Bank",
      "image_asset_name": "card_creditone_platinum_no_af",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "2% Cash Back on Eligible Categories",
          "description": "2% cash back on eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases.",
          "icon": "gift.fill"
        },
        {
          "name": "No Annual Fee",
          "description": "No annual fee for the life of the card.",
          "icon": "creditcard"
        },
        {
          "name": "Reports to All 3 Bureaus",
          "description": "Reports to Equifax, Experian, and TransUnion to help build credit history.",
          "icon": "creditcard"
        },
        {
          "name": "Free FICO Score",
          "description": "Free FICO score access through the issuer's app or online portal.",
          "icon": "gift.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "fifththird_secured",
      "name": "Fifth Third Secured Card",
      "issuer": "Fifth Third Bank",
      "image_asset_name": "card_fifththird_secured",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Refundable Security Deposit",
          "description": "Security deposit determines credit limit; refundable.",
          "icon": "creditcard"
        },
        {
          "name": "Reports to All 3 Bureaus",
          "description": "Reports to Equifax, Experian, and TransUnion to help build credit history.",
          "icon": "creditcard"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "firstprogress_platinum_prestige",
      "name": "First Progress Platinum Prestige Mastercard\u00ae Secured Credit Card",
      "issuer": "First Progress",
      "image_asset_name": "card_firstprogress_platinum_prestige",
      "annual_fee": 49,
      "benefits": [],
      "perks": [
        {
          "name": "No Credit Check",
          "description": "No credit history required for approval.",
          "icon": "creditcard"
        },
        {
          "name": "Refundable Security Deposit",
          "description": "Security deposit ($200 minimum) sets credit limit; refundable.",
          "icon": "creditcard"
        },
        {
          "name": "Reports to All 3 Bureaus",
          "description": "Reports to Equifax, Experian, and TransUnion to help build credit history.",
          "icon": "creditcard"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "genesis_destiny",
      "name": "Destiny\u2122 Mastercard\u00ae",
      "issuer": "Genesis FS Card Services",
      "image_asset_name": "card_genesis_destiny",
      "annual_fee": 49,
      "benefits": [],
      "perks": [
        {
          "name": "Designed for Limited Credit",
          "description": "Built for applicants with limited credit history or past credit challenges.",
          "icon": "creditcard"
        },
        {
          "name": "Reports to All 3 Bureaus",
          "description": "Reports to Equifax, Experian, and TransUnion to help build credit history.",
          "icon": "creditcard"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "genesis_indigo",
      "name": "Indigo\u00ae Mastercard\u00ae",
      "issuer": "Genesis FS Card Services",
      "image_asset_name": "card_genesis_indigo",
      "annual_fee": 49,
      "benefits": [],
      "perks": [
        {
          "name": "Designed for Limited Credit",
          "description": "Built for applicants with limited or fair credit.",
          "icon": "creditcard"
        },
        {
          "name": "Pre-Qualification",
          "description": "Pre-qualify without affecting your credit score.",
          "icon": "gift.fill"
        },
        {
          "name": "Reports to All 3 Bureaus",
          "description": "Reports to Equifax, Experian, and TransUnion to help build credit history.",
          "icon": "creditcard"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "genesis_milestone_gold",
      "name": "Milestone\u00ae Gold Mastercard\u00ae",
      "issuer": "Genesis FS Card Services",
      "image_asset_name": "card_genesis_milestone_gold",
      "annual_fee": 49,
      "benefits": [],
      "perks": [
        {
          "name": "Designed for Limited Credit",
          "description": "Built for applicants with limited or fair credit.",
          "icon": "creditcard"
        },
        {
          "name": "Pre-Qualification",
          "description": "Pre-qualify without affecting your credit score.",
          "icon": "gift.fill"
        },
        {
          "name": "Reports to All 3 Bureaus",
          "description": "Reports to Equifax, Experian, and TransUnion to help build credit history.",
          "icon": "creditcard"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "missouri_fit_platinum",
      "name": "FIT\u2122 Platinum Mastercard\u00ae",
      "issuer": "The Bank of Missouri",
      "image_asset_name": "card_missouri_fit_platinum",
      "annual_fee": 125,
      "benefits": [],
      "perks": [
        {
          "name": "Designed for Building Credit",
          "description": "Built for those rebuilding or establishing credit.",
          "icon": "creditcard"
        },
        {
          "name": "Reports to All 3 Bureaus",
          "description": "Reports to Equifax, Experian, and TransUnion to help build credit history.",
          "icon": "creditcard"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "self_secured",
      "name": "The Secured Self Visa\u00ae Credit Card",
      "issuer": "Self",
      "image_asset_name": "card_self_secured",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "No Credit Check",
          "description": "No credit check or hard pull required.",
          "icon": "creditcard"
        },
        {
          "name": "Built on Self Credit Builder Loan",
          "description": "Activated using funds from a Self Credit Builder Account once you've made 3+ on-time payments.",
          "icon": "creditcard"
        },
        {
          "name": "Reports to All 3 Bureaus",
          "description": "Reports to Equifax, Experian, and TransUnion to help build credit history.",
          "icon": "creditcard"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "simmons_rewards",
      "name": "Simmons Rewards Visa Signature\u00ae",
      "issuer": "Simmons Bank",
      "image_asset_name": "card_simmons_rewards",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "3x on Travel",
          "description": "Earn 3x points on travel purchases.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "simmons_visa",
      "name": "Simmons Visa\u00ae",
      "issuer": "Simmons Bank",
      "image_asset_name": "card_simmons_visa",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Low Fixed APR",
          "description": "One of the lowest fixed APRs available among major issuers.",
          "icon": "creditcard"
        },
        {
          "name": "No Annual Fee",
          "description": "No annual fee for the life of the card.",
          "icon": "creditcard"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "sdfcu_savings_secured",
      "name": "SDFCU Savings Secured Visa Platinum Card",
      "issuer": "State Department Federal Credit Union",
      "image_asset_name": "card_sdfcu_savings_secured",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Savings-Backed Credit Limit",
          "description": "Credit limit backed by your SDFCU savings account; funds remain yours and earn interest.",
          "icon": "creditcard"
        },
        {
          "name": "Low Variable APR",
          "description": "Among the lowest secured-card APRs available.",
          "icon": "creditcard"
        },
        {
          "name": "Reports to All 3 Bureaus",
          "description": "Reports to Equifax, Experian, and TransUnion to help build credit history.",
          "icon": "creditcard"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "upgrade_cash_rewards",
      "name": "Upgrade Cash Rewards Visa\u00ae",
      "issuer": "Upgrade",
      "image_asset_name": "card_upgrade_cash_rewards",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "1.5% Cash Back",
          "description": "Unlimited 1.5% cash back on payments made on your card balance.",
          "icon": "gift.fill"
        },
        {
          "name": "Fixed Monthly Payments",
          "description": "Card balances are converted into fixed-rate installment loans (predictable payments).",
          "icon": "creditcard"
        },
        {
          "name": "No Annual Fee",
          "description": "No annual fee for the life of the card.",
          "icon": "creditcard"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "webbank_petal_1",
      "name": "Petal\u00ae 1 \"No Annual Fee\" Visa\u00ae Credit Card",
      "issuer": "WebBank",
      "image_asset_name": "card_webbank_petal_1",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "Cash Back at Select Merchants",
          "description": "2%\u201310% cash back at select merchants in Petal's Offers program.",
          "icon": "gift.fill"
        },
        {
          "name": "No Fees",
          "description": "No annual fee, no foreign transaction fees, no late fees.",
          "icon": "creditcard"
        },
        {
          "name": "Cash Flow Approval",
          "description": "Approval can be based on banking history and cash flow, not just credit history.",
          "icon": "creditcard"
        },
        {
          "name": "Reports to All 3 Bureaus",
          "description": "Reports to Equifax, Experian, and TransUnion to help build credit history.",
          "icon": "creditcard"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "webbank_petal_2",
      "name": "Petal\u00ae 2 \"Cash Back, No Fees\" Visa\u00ae Credit Card",
      "issuer": "WebBank",
      "image_asset_name": "card_webbank_petal_2",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "1%\u20131.5% Cash Back",
          "description": "1% cash back on every purchase, increasing to 1.5% after 12 months of on-time payments.",
          "icon": "gift.fill"
        },
        {
          "name": "2%\u201310% at Select Merchants",
          "description": "2%\u201310% cash back at select merchants in Petal's Offers program.",
          "icon": "gift.fill"
        },
        {
          "name": "No Fees",
          "description": "No annual fee, no foreign transaction fees, no late fees.",
          "icon": "creditcard"
        },
        {
          "name": "Cash Flow Approval",
          "description": "Approval can be based on banking history and cash flow, not just credit history.",
          "icon": "creditcard"
        },
        {
          "name": "Reports to All 3 Bureaus",
          "description": "Reports to Equifax, Experian, and TransUnion to help build credit history.",
          "icon": "creditcard"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        }
      ]
    },
    {
      "id": "alliant_cashback_visa_signature",
      "name": "Alliant Cashback Visa\u00ae Signature Card",
      "issuer": "Alliant Credit Union",
      "image_asset_name": "card_alliant_cashback_visa_signature",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "2.5% Cash Back on Everything",
          "description": "Unlimited 2.5% cash back on the first $10,000 in monthly purchases (then 1.5%) for Tier One eligible members.",
          "icon": "gift.fill"
        },
        {
          "name": "Tier Eligibility Required",
          "description": "Tier One status requires an active Alliant High-Rate Checking account with monthly direct deposit and e-statements.",
          "icon": "creditcard"
        },
        {
          "name": "Visa Signature Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Auto Rental CDW",
          "description": "Secondary coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "$0 Liability",
          "description": "Zero-liability protection on unauthorized transactions.",
          "icon": "lock.shield.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "chase_ritz_carlton",
      "name": "The Ritz-Carlton\u2122 Credit Card",
      "issuer": "Chase",
      "image_asset_name": "card_chase_ritz_carlton",
      "annual_fee": 450,
      "benefits": [
        {
          "id": "chase_ritz_airline",
          "name": "Annual Airline Incidental Credit",
          "description": "Up to $300 per calendar year in statement credits for incidental airline purchases \u2014 checked bags, in-flight Wi-Fi, seat upgrades, lounge day passes, lounge memberships, in-flight meals.",
          "value_amount": 300.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "airline",
          "is_enrollment_required": false,
          "notes": "Not automatic \u2014 call the number on the back of your card and ask Chase to apply the credit to eligible purchases."
        },
        {
          "id": "chase_ritz_free_night",
          "name": "Anniversary Free Night Award",
          "description": "Free Night Award each year after card anniversary \u2014 good for a one-night stay at a Marriott Bonvoy property with a redemption level up to 85,000 points.",
          "value_amount": 1.0,
          "currency_symbol": "night",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "hotel",
          "is_enrollment_required": false,
          "notes": "Allow up to 8 weeks after anniversary for the certificate to post. Each award expires 12 months from issuance. Top off with up to 25,000 of your own points."
        },
        {
          "id": "chase_ritz_club_upgrade",
          "name": "Ritz-Carlton Club Level Upgrade Certificates",
          "description": "3 Club Level upgrade certificates each year for paid stays of up to 7 nights at participating Ritz-Carlton properties. Unlocks Club Lounge access and elevated services for the duration of your stay.",
          "value_amount": 3.0,
          "currency_symbol": "upgrade",
          "reset_frequency": "annual",
          "reset_rule": "card_anniversary",
          "category": "hotel",
          "is_enrollment_required": false,
          "notes": "Apply via the Marriott reservations team. One cert per stay, max 7 nights per cert."
        },
        {
          "id": "chase_ritz_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $100 credit for Global Entry or TSA PreCheck application fees every 4 years.",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Resets 4 years after you use it."
        }
      ],
      "perks": [
        {
          "name": "Closed to New Applicants",
          "description": "This card is no longer accepting new applications, but existing cardholders retain all benefits. Marriott Bonvoy product changes from a Bonvoy card to Ritz-Carlton may be available in some cases \u2014 contact Chase.",
          "icon": "creditcard"
        },
        {
          "name": "Marriott Bonvoy Gold Elite Status",
          "description": "Automatic Marriott Bonvoy Gold Elite status \u2014 25% Elite Bonus Points, 2 PM late checkout, enhanced room upgrades when available.",
          "icon": "crown.fill"
        },
        {
          "name": "15 Elite Night Credits",
          "description": "15 Elite Night Credits each calendar year toward the next level of Marriott Bonvoy Elite status.",
          "icon": "gift.fill"
        },
        {
          "name": "Priority Pass Select",
          "description": "Complimentary Priority Pass Select membership with access to 1,300+ airport lounges worldwide. Bring up to 2 guests per visit.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Chase Sapphire Lounge Access",
          "description": "Complimentary access to Chase Sapphire Lounges. Note: starting Jan 15, 2026, guest privileges reduced to 2 guests per visit.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Auto Rental CDW (Primary)",
          "description": "Primary coverage when you decline the rental's CDW and charge the rental to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $10,000 per trip ($20,000 per 12-month period) for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Trip Delay Reimbursement",
          "description": "Up to $500 per ticket when your trip is delayed 6+ hours or requires an overnight stay.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Lost Luggage Reimbursement",
          "description": "Up to $3,000 per passenger for lost checked or carry-on bags.",
          "icon": "bag.fill"
        },
        {
          "name": "Baggage Delay Insurance",
          "description": "Up to $100/day for 5 days when checked baggage is delayed 6+ hours.",
          "icon": "bag.fill"
        },
        {
          "name": "Purchase Protection",
          "description": "Coverage for new purchases against damage or theft for 120 days.",
          "icon": "bag.fill"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "citi_prestige",
      "name": "Citi Prestige\u00ae Card",
      "issuer": "Citi",
      "image_asset_name": "card_citi_prestige",
      "annual_fee": 495,
      "benefits": [
        {
          "id": "citi_prestige_travel_credit",
          "name": "Annual Travel Credit",
          "description": "$250 annual travel credit, automatically applied to the first travel purchases of each calendar year (airfare, hotels, taxis, parking, tolls, transit, and more).",
          "value_amount": 250.0,
          "currency_symbol": "$",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "airline",
          "is_enrollment_required": false
        },
        {
          "id": "citi_prestige_4th_night",
          "name": "4th Night Free Hotel Benefit",
          "description": "Book 4+ consecutive nights through thankyou.com or by phone and receive a credit for the average nightly rate. Limited to 2 uses per calendar year.",
          "value_amount": 2.0,
          "currency_symbol": "night",
          "reset_frequency": "annual",
          "reset_rule": "calendar_year",
          "category": "hotel",
          "is_enrollment_required": false,
          "notes": "Must book through Citi ThankYou Travel (thankyou.com or 1-800-THANKYOU). Credit posts after stay completion."
        },
        {
          "id": "citi_prestige_global_entry",
          "name": "Global Entry / TSA PreCheck Credit",
          "description": "Up to $100 credit for Global Entry or TSA PreCheck application fees. On the Prestige this resets every 5 years (not the typical 4).",
          "value_amount": 100.0,
          "currency_symbol": "$",
          "reset_frequency": "quadrennial",
          "reset_rule": "transaction_date",
          "category": "other",
          "is_enrollment_required": false,
          "notes": "Citi Prestige resets every 5 years (most other cards reset every 4)."
        }
      ],
      "perks": [
        {
          "name": "Closed to New Applicants",
          "description": "Citi closed the Prestige Card to new applications in 2021. Existing cardmembers retain all benefits.",
          "icon": "creditcard"
        },
        {
          "name": "Priority Pass Select",
          "description": "Complimentary Priority Pass Select with access to 1,400+ airport lounges, affiliated restaurants, and Minute Suite locations. Bring immediate family or 2 guests.",
          "icon": "airplane.circle.fill"
        },
        {
          "name": "Authorized User Priority Pass",
          "description": "Authorized users added to your account also receive complimentary Priority Pass Select membership with the same guest privileges.",
          "icon": "person.2.fill"
        },
        {
          "name": "5x on Air Travel & Dining",
          "description": "Earn 5x ThankYou points on air travel and at restaurants worldwide.",
          "icon": "gift.fill"
        },
        {
          "name": "3x on Hotels & Cruises",
          "description": "Earn 3x ThankYou points on hotels and cruise lines.",
          "icon": "crown.fill"
        },
        {
          "name": "World Elite Mastercard Concierge",
          "description": "24/7 concierge for travel, dining, entertainment, and shopping.",
          "icon": "phone.circle.fill"
        },
        {
          "name": "Citi Entertainment",
          "description": "Presale tickets and exclusive experiences for music, sports, and cultural events.",
          "icon": "gift.fill"
        },
        {
          "name": "Trip Cancellation & Interruption",
          "description": "Up to $5,000 per trip ($10,000 per 12-month period) for prepaid, non-refundable travel.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Trip Delay Insurance",
          "description": "Up to $500 per ticket when your trip is delayed 3+ hours.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "Lost or Damaged Luggage",
          "description": "Up to $3,000 per trip for lost or damaged baggage.",
          "icon": "bag.fill"
        },
        {
          "name": "Master Rental Coverage",
          "description": "Auto rental coverage on eligible rentals charged to the card.",
          "icon": "car.fill"
        },
        {
          "name": "Worldwide Travel Accident Insurance",
          "description": "Up to $1,000,000 in common-carrier travel accident coverage when fares are charged to the card.",
          "icon": "shield.lefthalf.filled"
        },
        {
          "name": "No Foreign Transaction Fees",
          "description": "No fees on purchases made outside the U.S.",
          "icon": "globe"
        }
      ]
    },
    {
      "id": "synchrony_tjx_rewards_platinum_mastercard",
      "name": "TJX Rewards\u00ae Platinum Mastercard\u00ae",
      "issuer": "Synchrony Bank",
      "image_asset_name": "card_synchrony_tjx_rewards_platinum_mastercard",
      "annual_fee": 0,
      "benefits": [],
      "perks": [
        {
          "name": "5x Points at TJX Family Stores",
          "description": "5 points per $1 at T.J. Maxx, Marshalls, HomeGoods, Homesense, Sierra, and their websites. Every 1,000 points = a $10 Rewards Certificate.",
          "icon": "gift.fill"
        },
        {
          "name": "2x Points on Gas, Grocery & Restaurants",
          "description": "2 points per $1 at gas stations, grocery stores, and restaurants. Mastercard variant only.",
          "icon": "gift.fill"
        },
        {
          "name": "1x Points Everywhere Else",
          "description": "1 point per $1 on all other purchases anywhere Mastercard is accepted.",
          "icon": "gift.fill"
        },
        {
          "name": "No Annual Fee",
          "description": "No annual credit card fee.",
          "icon": "lock.shield.fill"
        },
        {
          "name": "New Cardholder First-Purchase Discount",
          "description": "Eligible new cardholders may receive a 10% off coupon for their first purchase online or in store.",
          "icon": "gift.fill"
        },
        {
          "name": "Cardmember Shopping Events",
          "description": "Invitations to exclusive in-store and online shopping events ahead of public sales.",
          "icon": "star.fill"
        }
      ]
    }
  ]
}