[
  {
    "id": "chase-sapphire-reserve-2026",
    "issuer": "Chase",
    "card_name": "Sapphire Reserve",
    "card_type": "personal",
    "points_currency": "Chase UR",
    "annual_fee": 795,
    "annual_fee_waived_first_year": false,
    "sign_up_bonus": {
      "points": 125000,
      "cash_value": null,
      "spend_requirement": 5000,
      "spend_window_days": 90,
      "notes": "Elevated offer — highest ever for CSR"
    },
    "velocity_constraints": [
      "5/24",
      "sapphire_48m"
    ],
    "elevated_offer": true,
    "end_date": null,
    "last_verified": "2026-03-19",
    "verified": true,
    "trust_score": 4.5,
    "notes": [
      "[Source: DoC, scraped 2026-03-19] 125k UR. $795 AF. Elevated/highest ever."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/chase-sapphire-reserve-125000-points-signup-bonus-plus-referral-offer/",
      "official_page": "https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve"
    },
    "name": "Chase Sapphire Reserve"
  },
  {
    "id": "chase-sapphire-preferred-2026",
    "issuer": "Chase",
    "card_name": "Sapphire Preferred",
    "card_type": "personal",
    "points_currency": "Chase UR",
    "annual_fee": 95,
    "annual_fee_waived_first_year": false,
    "sign_up_bonus": {
      "points": 60000,
      "cash_value": null,
      "spend_requirement": 4000,
      "spend_window_days": 90,
      "notes": "Standard offer; sometimes elevated to 75k–100k"
    },
    "velocity_constraints": [
      "5/24",
      "sapphire_48m"
    ],
    "end_date": null,
    "last_verified": "2026-03-19",
    "verified": true,
    "trust_score": 4.5,
    "notes": [
      "[Source: DoC, scraped 2026-03-19] 60k UR after $4k/90d. $95 AF."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/credit-cards/rewards/chase-sapphire-preferred-card-review/",
      "official_page": "https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred"
    },
    "name": "Chase Sapphire Preferred"
  },
  {
    "id": "amex-platinum-2026",
    "issuer": "Amex",
    "card_name": "Platinum",
    "card_type": "personal",
    "points_currency": "Amex MR",
    "annual_fee": 895,
    "annual_fee_waived_first_year": false,
    "sign_up_bonus": {
      "points": 175000,
      "cash_value": null,
      "spend_requirement": 8000,
      "spend_window_days": 180,
      "notes": "Elevated offer. Once-per-lifetime rule applies."
    },
    "velocity_constraints": [
      "amex_lifetime",
      "amex_1_30",
      "amex_2_90"
    ],
    "elevated_offer": true,
    "end_date": null,
    "last_verified": "2026-03-19",
    "verified": true,
    "trust_score": 4.5,
    "notes": [
      "[Source: DoC, scraped 2026-03-19] 175k MR. $8k/6mo. $895 AF. Elevated."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/american-express-platinum-175000-points-signup-bonus/",
      "official_page": "https://www.americanexpress.com/us/credit-cards/card/platinum/"
    },
    "name": "Amex Platinum"
  },
  {
    "id": "amex-gold-2026",
    "issuer": "Amex",
    "card_name": "Gold",
    "card_type": "personal",
    "points_currency": "Amex MR",
    "annual_fee": 325,
    "annual_fee_waived_first_year": false,
    "sign_up_bonus": {
      "points": 100000,
      "cash_value": null,
      "spend_requirement": 6000,
      "spend_window_days": 180,
      "notes": "4x dining and groceries. Once-per-lifetime rule."
    },
    "velocity_constraints": [
      "amex_lifetime",
      "amex_1_30",
      "amex_2_90"
    ],
    "elevated_offer": false,
    "end_date": null,
    "last_verified": "2026-03-19",
    "verified": true,
    "trust_score": 4,
    "notes": [
      "[Source: DoC, scraped 2026-03-19] 100k MR. $6k/6mo. $325 AF."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/american-express-gold-card-review/",
      "official_page": "https://www.americanexpress.com/us/credit-cards/card/gold-card/"
    },
    "name": "Amex Gold"
  },
  {
    "id": "citi-strata-premier-2026",
    "issuer": "Citi",
    "card_name": "Strata Premier",
    "card_type": "personal",
    "points_currency": "Citi TYP",
    "annual_fee": 95,
    "annual_fee_waived_first_year": false,
    "sign_up_bonus": {
      "points": 75000,
      "cash_value": null,
      "spend_requirement": 4000,
      "spend_window_days": 90,
      "notes": "3x hotels, air, groceries, dining, gas."
    },
    "velocity_constraints": [
      "citi_8_65",
      "citi_24m"
    ],
    "elevated_offer": false,
    "end_date": null,
    "last_verified": "2026-03-19",
    "verified": true,
    "trust_score": 4,
    "notes": [
      "[Source: DoC, scraped 2026-03-19] 75k TYP. $4k/90d. $95 AF."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/citi-strata-premier-full-details-now-available/",
      "official_page": "https://www.citi.com/credit-cards/citi-strata-premier-credit-card"
    },
    "name": "Citi Strata Premier"
  },
  {
    "id": "capital-one-venture-x-2026",
    "issuer": "Capital One",
    "card_name": "Venture X",
    "card_type": "personal",
    "points_currency": "Capital One Miles",
    "annual_fee": 395,
    "annual_fee_waived_first_year": false,
    "sign_up_bonus": {
      "points": 75000,
      "cash_value": null,
      "spend_requirement": 4000,
      "spend_window_days": 90,
      "notes": "$300 travel credit + 10k anniversary miles offset AF."
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "end_date": null,
    "last_verified": "2026-03-19",
    "verified": true,
    "trust_score": 4,
    "notes": [
      "[Source: DoC, scraped 2026-03-19] 75k miles. $4k/90d. $395 AF offset by credits."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/capital-one-venture-x-card-100000-points-signup-bonus/",
      "official_page": "https://www.capitalone.com/credit-cards/venture-x/"
    },
    "name": "Capital One Venture X"
  },
  {
    "id": "chase-marriott-bonvoy-boundless-2026",
    "issuer": "Chase",
    "card_name": "Marriott Bonvoy Boundless",
    "card_type": "personal",
    "points_currency": "Marriott Bonvoy",
    "annual_fee": 95,
    "annual_fee_waived_first_year": false,
    "sign_up_bonus": {
      "points": 150000,
      "cash_value": null,
      "spend_requirement": 3000,
      "spend_window_days": 90,
      "notes": "~0.7cpp at most properties. Includes free night certs."
    },
    "velocity_constraints": [
      "5/24"
    ],
    "elevated_offer": false,
    "end_date": null,
    "last_verified": "2026-03-19",
    "verified": true,
    "trust_score": 4,
    "notes": [
      "[Source: DoC, scraped 2026-03-19] 150k Bonvoy pts. $3k/90d. $95 AF."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/chase-marriott-bonvoy-boundless-five-free-night-certificates-bonus-up-to-50000-points-each/",
      "official_page": "https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless"
    },
    "name": "Chase Marriott Bonvoy Boundless"
  },
  {
    "id": "citi-double-cash-2026",
    "issuer": "Citi",
    "card_name": "Double Cash",
    "card_type": "personal",
    "points_currency": "Cash",
    "annual_fee": 0,
    "annual_fee_waived_first_year": false,
    "sign_up_bonus": {
      "points": 0,
      "cash_value": 200,
      "spend_requirement": 1500,
      "spend_window_days": 180,
      "notes": "2% flat cash back on everything. No category tracking."
    },
    "velocity_constraints": [
      "citi_8_65"
    ],
    "elevated_offer": false,
    "end_date": null,
    "last_verified": "2026-03-19",
    "verified": true,
    "trust_score": 4.5,
    "notes": [
      "[Source: DoC, scraped 2026-03-19] $200 cash back. $1.5k/6mo. $0 AF."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/citi-double-cash-200-signup-bonus-20000-thankyou-points/",
      "official_page": "https://www.citi.com/credit-cards/citi-double-cash-credit-card"
    },
    "name": "Citi Double Cash"
  },
  {
    "id": "bilt-mastercard-2026",
    "issuer": "Bilt",
    "card_name": "Rewards Mastercard",
    "card_type": "personal",
    "points_currency": "Bilt Points",
    "annual_fee": 0,
    "annual_fee_waived_first_year": false,
    "sign_up_bonus": {
      "points": 0,
      "cash_value": null,
      "spend_requirement": null,
      "spend_window_days": null,
      "notes": "No SUB. Earn points on rent with no fees. Transfer to Hyatt/United/AA."
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "end_date": null,
    "last_verified": "2026-03-19",
    "verified": true,
    "trust_score": 4,
    "notes": [
      "[Source: DoC] No SUB. Unique: earn points on rent. Transfer to Hyatt, United, AA, Alaska."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/bilt-rewards-credit-card-full-review-earn-valuable-rewards-with-rent-payments-to-any-landlord-more/",
      "official_page": "https://www.biltrewards.com/card"
    },
    "name": "Bilt Mastercard"
  },
  {
    "id": "chase-ink-business-preferred-2026",
    "issuer": "Chase",
    "card_name": "Ink Business Preferred",
    "card_type": "business",
    "points_currency": "Chase UR",
    "annual_fee": 95,
    "annual_fee_waived_first_year": false,
    "sign_up_bonus": {
      "points": 100000,
      "cash_value": null,
      "spend_requirement": 8000,
      "spend_window_days": 90,
      "notes": "Does NOT count toward 5/24 when approved. 3x travel, shipping, ads."
    },
    "velocity_constraints": [
      "5/24"
    ],
    "end_date": null,
    "last_verified": "2026-03-21",
    "verified": true,
    "trust_score": 4,
    "notes": [
      "[Source: DoC, scraped 2026-03-21] 100k UR (public offer). $8k/90d. $95 AF. Doesn't add to 5/24."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/targeted-chase-ink-business-preferred-100000-points-offer-with-8000-spend-requirement/",
      "official_page": "https://creditcards.chase.com/business-credit-cards/ink/business-preferred"
    },
    "name": "Chase Ink Business Preferred"
  },
  {
    "id": "amex-business-gold-2026",
    "issuer": "Amex",
    "card_name": "Business Gold",
    "card_type": "business",
    "points_currency": "Amex MR",
    "annual_fee": 375,
    "annual_fee_waived_first_year": false,
    "sign_up_bonus": {
      "points": 200000,
      "cash_value": null,
      "spend_requirement": 15000,
      "spend_window_days": 90,
      "notes": "Elevated. Very high spend req ($15k/90d)."
    },
    "velocity_constraints": [
      "amex_lifetime",
      "amex_1_30",
      "amex_2_90"
    ],
    "elevated_offer": true,
    "end_date": null,
    "last_verified": "2026-03-19",
    "verified": true,
    "trust_score": 4.5,
    "notes": [
      "[Source: DoC, scraped 2026-03-19] 200k MR. $15k/90d. $375 AF. Elevated."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/american-express-business-gold-90000-points-signup-offer/",
      "official_page": "https://www.americanexpress.com/us/credit-cards/card/business-gold-card/"
    },
    "name": "Amex Business Gold"
  },
  {
    "id": "capital-one-spark-cash-plus-2026",
    "issuer": "Capital One",
    "card_name": "Spark Cash Plus",
    "card_type": "business",
    "points_currency": "Cash",
    "annual_fee": 150,
    "annual_fee_waived_first_year": false,
    "sign_up_bonus": {
      "points": 0,
      "cash_value": 2000,
      "spend_requirement": 30000,
      "spend_window_days": 180,
      "notes": "Very high spend req ($30k/6mo). Charge card — must pay in full."
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "end_date": "2026-04-15",
    "last_verified": "2026-03-19",
    "verified": true,
    "trust_score": 4,
    "notes": [
      "[Source: DoC, scraped 2026-03-19] $2k bonus. $30k/6mo. $150 AF. ~4/15/26 expiry."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/capital-one-spark-cash-plus-2000-signup-bonus-30000-spend-required/",
      "official_page": "https://www.capitalone.com/small-business/credit-cards/spark-cash-plus/"
    },
    "name": "Capital One Spark Cash Plus"
  },
  {
    "id": "chase-freedom-unlimited-2026",
    "issuer": "Chase",
    "card_name": "Freedom Unlimited",
    "card_type": "personal",
    "points_currency": "Chase UR",
    "annual_fee": 0,
    "annual_fee_waived_first_year": false,
    "sign_up_bonus": {
      "points": 0,
      "cash_value": 250,
      "spend_requirement": 500,
      "spend_window_days": 90,
      "notes": "Limited-time $250 (normally $200). 1.5% back on everything, 5% travel via Chase, 3% dining/drugstores."
    },
    "velocity_constraints": [
      "5/24"
    ],
    "elevated_offer": true,
    "end_date": null,
    "last_verified": "2026-03-21",
    "verified": true,
    "trust_score": 4.5,
    "notes": [
      "[Source: DoC + CNBC, scraped 2026-03-21] $250 after $500/3mo. $0 AF. Limited-time elevated."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/chase-freedom-unlimited-review-17500-point-bonus-1-5x-points-purchases/",
      "official_page": "https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited"
    },
    "name": "Chase Freedom Unlimited"
  },
  {
    "id": "chase-freedom-flex-2026",
    "issuer": "Chase",
    "card_name": "Freedom Flex",
    "card_type": "personal",
    "points_currency": "Chase UR",
    "annual_fee": 0,
    "annual_fee_waived_first_year": false,
    "sign_up_bonus": {
      "points": 0,
      "cash_value": 200,
      "spend_requirement": 500,
      "spend_window_days": 90,
      "notes": "5% rotating categories (activate quarterly). 5% travel via Chase, 3% dining/drugstores."
    },
    "velocity_constraints": [
      "5/24"
    ],
    "elevated_offer": false,
    "end_date": null,
    "last_verified": "2026-03-21",
    "verified": true,
    "trust_score": 4.5,
    "notes": [
      "[Source: DoC + Chase.com, scraped 2026-03-21] $200 after $500/3mo. $0 AF."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/chase-freedom-flex-unlimited-200-bonus-5-back-on-grocery-gas-first-year-up-to-12k-spend/",
      "official_page": "https://creditcards.chase.com/cash-back-credit-cards/freedom/flex"
    },
    "name": "Chase Freedom Flex"
  },
  {
    "id": "chase-ink-business-cash-2026",
    "issuer": "Chase",
    "card_name": "Ink Business Cash",
    "card_type": "business",
    "points_currency": "Chase UR",
    "annual_fee": 0,
    "annual_fee_waived_first_year": false,
    "sign_up_bonus": {
      "points": 0,
      "cash_value": 750,
      "spend_requirement": 6000,
      "spend_window_days": 90,
      "notes": "5% office supplies, internet, phone. 2% gas, dining. Doesn't add to 5/24."
    },
    "velocity_constraints": [
      "5/24"
    ],
    "elevated_offer": false,
    "end_date": null,
    "last_verified": "2026-03-21",
    "verified": true,
    "trust_score": 4,
    "notes": [
      "[Source: DoC + CNBC, scraped 2026-03-21] $750 after $6k/3mo. $0 AF. Lifetime eligibility limits apply."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/targeted-chase-ink-cash-750-public-online-offer/",
      "official_page": "https://creditcards.chase.com/business-credit-cards/ink/cash"
    },
    "name": "Chase Ink Business Cash"
  },
  {
    "id": "chase-ink-business-unlimited-2026",
    "issuer": "Chase",
    "card_name": "Ink Business Unlimited",
    "card_type": "business",
    "points_currency": "Chase UR",
    "annual_fee": 0,
    "annual_fee_waived_first_year": false,
    "sign_up_bonus": {
      "points": 0,
      "cash_value": 750,
      "spend_requirement": 6000,
      "spend_window_days": 90,
      "notes": "1.5% flat on everything. 0% intro APR 12mo. Doesn't add to 5/24."
    },
    "velocity_constraints": [
      "5/24"
    ],
    "elevated_offer": false,
    "end_date": null,
    "last_verified": "2026-03-21",
    "verified": true,
    "trust_score": 4,
    "notes": [
      "[Source: DoC + CNBC, scraped 2026-03-21] $750 after $6k/3mo. $0 AF. Lifetime eligibility limits apply."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/chase-ink-unlimited-750-public-offer/",
      "official_page": "https://creditcards.chase.com/business-credit-cards/ink/unlimited"
    },
    "name": "Chase Ink Business Unlimited"
  },
  {
    "id": "amex-blue-cash-preferred-2026",
    "issuer": "Amex",
    "card_name": "Blue Cash Preferred",
    "card_type": "personal",
    "points_currency": "Cash",
    "annual_fee": 95,
    "annual_fee_waived_first_year": true,
    "sign_up_bonus": {
      "points": 0,
      "cash_value": 250,
      "spend_requirement": 3000,
      "spend_window_days": 180,
      "notes": "6% groceries (up to $6k/yr), 6% streaming, 3% transit/gas. AF waived yr 1."
    },
    "velocity_constraints": [
      "amex_lifetime",
      "amex_1_30",
      "amex_2_90"
    ],
    "elevated_offer": false,
    "end_date": null,
    "last_verified": "2026-03-21",
    "verified": true,
    "trust_score": 4,
    "notes": [
      "[Source: DoC, scraped 2026-03-21] $250 after $3k/6mo. $95 AF waived yr 1."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/american-express-blue-cash-preferred-250-sign-up-bonus/",
      "official_page": "https://www.americanexpress.com/us/credit-cards/card/blue-cash-preferred/"
    },
    "name": "Amex Blue Cash Preferred"
  },
  {
    "id": "amex-business-platinum-2026",
    "issuer": "Amex",
    "card_name": "Business Platinum",
    "card_type": "business",
    "points_currency": "Amex MR",
    "annual_fee": 895,
    "annual_fee_waived_first_year": false,
    "sign_up_bonus": {
      "points": 300000,
      "cash_value": null,
      "spend_requirement": 20000,
      "spend_window_days": 90,
      "notes": "Standard 200k public offer. 250k-300k available via incognito/different browsers (YMMV). $20k spend in 3 months. Once-per-lifetime rule applies."
    },
    "velocity_constraints": [
      "amex_lifetime",
      "amex_1_30",
      "amex_2_90"
    ],
    "elevated_offer": true,
    "end_date": null,
    "last_verified": "2026-04-07",
    "verified": true,
    "trust_score": 4.5,
    "notes": [
      "[Source: DoC, verified 2026-04-07] 200k-300k MR depending on offer shown. $20k/3mo. $895 AF. Check incognito for 250k-300k."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/targeted-american-express-business-platinum-300000-points-signup-bonus/",
      "official_page": "https://www.americanexpress.com/us/credit-cards/card/business-platinum/"
    },
    "name": "Amex Business Platinum"
  },
  {
    "id": "capital-one-venture-2026",
    "issuer": "Capital One",
    "card_name": "Venture",
    "card_type": "personal",
    "points_currency": "Capital One Miles",
    "annual_fee": 95,
    "annual_fee_waived_first_year": false,
    "sign_up_bonus": {
      "points": 75000,
      "cash_value": null,
      "spend_requirement": 4000,
      "spend_window_days": 90,
      "notes": "Plus $250 Capital One Travel credit yr 1. 2x on everything."
    },
    "velocity_constraints": [],
    "elevated_offer": true,
    "end_date": null,
    "last_verified": "2026-03-21",
    "verified": true,
    "trust_score": 4,
    "notes": [
      "[Source: DoC + NerdWallet, scraped 2026-03-21] 75k miles + $250 travel credit. $4k/3mo. $95 AF. Limited-time."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/capital-one-venture-signup-bonus-75000-points-with-4000-spend/",
      "official_page": "https://www.capitalone.com/credit-cards/venture/"
    },
    "name": "Capital One Venture"
  },
  {
    "id": "wells-fargo-active-cash-2026",
    "issuer": "Wells Fargo",
    "card_name": "Active Cash",
    "card_type": "personal",
    "points_currency": "Cash",
    "annual_fee": 0,
    "annual_fee_waived_first_year": false,
    "sign_up_bonus": {
      "points": 0,
      "cash_value": 200,
      "spend_requirement": 1500,
      "spend_window_days": 180,
      "notes": "2% flat cash back on everything. $0 AF. Simple no-category card."
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "end_date": null,
    "last_verified": "2026-03-21",
    "verified": true,
    "trust_score": 4,
    "notes": [
      "[Source: DoC, scraped 2026-03-21] $200 after $1.5k/6mo. $0 AF. 2% flat cash back."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/wells-fargo-launches-active-cash-2-credit-card-200-signup-bonus/",
      "official_page": "https://creditcards.wellsfargo.com/cards/active-cash-credit-card/"
    },
    "name": "Wells Fargo Active Cash"
  },
  {
    "id": "wells-fargo-autograph-journey-2026",
    "issuer": "Wells Fargo",
    "card_name": "Autograph Journey",
    "card_type": "personal",
    "points_currency": "Wells Fargo Points",
    "annual_fee": 95,
    "annual_fee_waived_first_year": false,
    "sign_up_bonus": {
      "points": 60000,
      "cash_value": null,
      "spend_requirement": 4000,
      "spend_window_days": 90,
      "notes": "5x hotels, 4x airlines, 3x dining/transit. Transfer to Hyatt, BA, Air France."
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "end_date": null,
    "last_verified": "2026-03-21",
    "verified": true,
    "trust_score": 4,
    "notes": [
      "[Source: DoC, scraped 2026-03-21] 60k pts. $4k/3mo. $95 AF."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/wells-fargo-to-launch-wells-fargo-autograph-journey-card-60000-points/",
      "official_page": "https://creditcards.wellsfargo.com/cards/autograph-journey-visa-credit-card/"
    },
    "name": "Wells Fargo Autograph Journey"
  },
  {
    "id": "hilton-surpass-2026",
    "issuer": "Amex",
    "card_name": "Hilton Surpass",
    "card_type": "personal",
    "points_currency": "Hilton Honors",
    "annual_fee": 150,
    "annual_fee_waived_first_year": false,
    "sign_up_bonus": {
      "points": 130000,
      "cash_value": null,
      "spend_requirement": 3000,
      "spend_window_days": 180,
      "notes": "Plus free night reward. Gold status. ~0.5cpp. Elevated offer."
    },
    "velocity_constraints": [
      "amex_lifetime",
      "amex_1_30",
      "amex_2_90"
    ],
    "elevated_offer": true,
    "end_date": "2026-04-15",
    "last_verified": "2026-03-21",
    "verified": true,
    "trust_score": 4,
    "notes": [
      "[Source: DoC, scraped 2026-03-21] 130k pts + free night. $3k/6mo. $150 AF. Ends 4/15/26."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/american-express-hilton-increased-credit-card-signup-bonuses-up-to-175000-points-free-night/",
      "official_page": "https://www.americanexpress.com/us/credit-cards/card/hilton-honors-surpass/"
    },
    "name": "Amex Hilton Surpass"
  },
  {
    "id": "hilton-aspire-2026",
    "issuer": "Amex",
    "card_name": "Hilton Aspire",
    "card_type": "personal",
    "points_currency": "Hilton Honors",
    "annual_fee": 550,
    "annual_fee_waived_first_year": false,
    "sign_up_bonus": {
      "points": 175000,
      "cash_value": null,
      "spend_requirement": 6000,
      "spend_window_days": 180,
      "notes": "Plus free night reward. Diamond status. $400 Hilton resort credit. Elevated offer."
    },
    "velocity_constraints": [
      "amex_lifetime",
      "amex_1_30",
      "amex_2_90"
    ],
    "elevated_offer": true,
    "end_date": "2026-04-15",
    "last_verified": "2026-03-21",
    "verified": true,
    "trust_score": 4,
    "notes": [
      "[Source: DoC + CNBC, scraped 2026-03-21] 175k pts + free night. $6k/6mo. $550 AF. Ends 4/15/26."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/american-express-hilton-increased-credit-card-signup-bonuses-up-to-175000-points-free-night/",
      "official_page": "https://www.americanexpress.com/us/credit-cards/card/hilton-honors-aspire/"
    },
    "name": "Amex Hilton Aspire"
  },
  {
    "id": "ihg-premier-2026",
    "issuer": "Chase",
    "card_name": "IHG One Rewards Premier",
    "card_type": "personal",
    "points_currency": "IHG Rewards",
    "annual_fee": 99,
    "annual_fee_waived_first_year": false,
    "sign_up_bonus": {
      "points": 175000,
      "cash_value": null,
      "spend_requirement": 5000,
      "spend_window_days": 90,
      "notes": "Elevated. Free night on anniversary. 26x IHG properties."
    },
    "velocity_constraints": [
      "5/24"
    ],
    "elevated_offer": true,
    "end_date": null,
    "last_verified": "2026-03-21",
    "verified": true,
    "trust_score": 4,
    "notes": [
      "[Source: DoC + upgradedpoints, scraped 2026-03-21] 175k pts. $5k/3mo. $99 AF. Elevated."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/chase-ihg-rewards-premier-card-175000-points-signup-bonus-3/",
      "official_page": "https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier"
    },
    "name": "Chase IHG One Rewards Premier"
  },
  {
    "id": "citi-strata-elite-2026",
    "issuer": "Citi",
    "card_name": "Strata Elite",
    "card_type": "personal",
    "points_currency": "Citi TYP",
    "annual_fee": 595,
    "annual_fee_waived_first_year": false,
    "sign_up_bonus": {
      "points": 100000,
      "cash_value": null,
      "spend_requirement": 6000,
      "spend_window_days": 90,
      "notes": "Premium travel card. Centurion lounge access. Transfer to AA, JetBlue, Virgin."
    },
    "velocity_constraints": [
      "citi_8_65",
      "citi_24m"
    ],
    "elevated_offer": false,
    "end_date": null,
    "last_verified": "2026-03-21",
    "verified": true,
    "trust_score": 4,
    "notes": [
      "[Source: DoC, scraped 2026-03-21] 100k TYP. $6k/3mo. $595 AF. Citigold members get $145 discount."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/citi-strata-elite-100000-points-bonus-after-6000-in-spend/",
      "official_page": "https://www.citi.com/credit-cards/citi-strata-elite-credit-card"
    },
    "name": "Citi Strata Elite"
  },
  {
    "id": "citi-custom-cash-2026",
    "issuer": "Citi",
    "card_name": "Custom Cash",
    "card_type": "personal",
    "points_currency": "Cash",
    "annual_fee": 0,
    "annual_fee_waived_first_year": false,
    "sign_up_bonus": {
      "points": 0,
      "cash_value": 200,
      "spend_requirement": 1500,
      "spend_window_days": 180,
      "notes": "5% on top spend category (up to $500/mo). Auto-detects your highest category."
    },
    "velocity_constraints": [
      "citi_8_65"
    ],
    "elevated_offer": false,
    "end_date": null,
    "last_verified": "2026-03-21",
    "verified": true,
    "trust_score": 4,
    "notes": [
      "[Source: DoC, scraped 2026-03-21] $200 after $1.5k/6mo. $0 AF. 5% auto top category."
    ],
    "links": {
      "doc_page": "https://www.doctorofcredit.com/citi-launches-custom-cash-card-5x-points-cash-on-up-to-500-spend-per-month-200-20000-signup-bonus/",
      "official_page": "https://www.citi.com/credit-cards/citi-custom-cash-credit-card"
    },
    "name": "Citi Custom Cash"
  },
  {
    "id": "bofa-atmos-summit",
    "issuer": "Bank of America",
    "card_name": "Atmos Summit",
    "card_type": "personal",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 100000
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": [
      "[Source: Provided Text]"
    ]
  },
  {
    "id": "bofa-atmos-ascent",
    "issuer": "Bank of America",
    "card_name": "Atmos Ascent",
    "card_type": "personal",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 85000
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": [
      "[Source: Provided Text]"
    ]
  },
  {
    "id": "amex-hilton",
    "issuer": "American Express",
    "card_name": "Hilton",
    "card_type": "personal",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 130000,
      "free_nights": 1
    },
    "velocity_constraints": [
      "amex_lifetime"
    ],
    "elevated_offer": false,
    "last_verified": null,
    "notes": [
      "[Source: Provided Text]"
    ]
  },
  {
    "id": "amex-delta-personal",
    "issuer": "American Express",
    "card_name": "Delta",
    "card_type": "personal",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 125000
    },
    "velocity_constraints": [
      "amex_lifetime"
    ],
    "elevated_offer": false,
    "last_verified": null,
    "notes": [
      "[Source: Provided Text]"
    ]
  },
  {
    "id": "amex-marriott-brilliant",
    "issuer": "American Express",
    "card_name": "Marriott Brilliant",
    "card_type": "personal",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 200000
    },
    "velocity_constraints": [
      "amex_lifetime"
    ],
    "elevated_offer": false,
    "last_verified": null,
    "notes": [
      "[Source: Provided Text]"
    ]
  },
  {
    "id": "amex-marriott-bevy",
    "issuer": "American Express",
    "card_name": "Marriott Bevy",
    "card_type": "personal",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 175000
    },
    "velocity_constraints": [
      "amex_lifetime"
    ],
    "elevated_offer": false,
    "last_verified": null,
    "notes": [
      "[Source: Provided Text]"
    ]
  },
  {
    "id": "bofa-air-france-klm-flyingblue",
    "issuer": "Bank of America",
    "card_name": "Air France/KLM FlyingBlue",
    "card_type": "personal",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 70000,
      "xp": 100
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": [
      "[Source: Provided Text]"
    ]
  },
  {
    "id": "citi-aadvantage-platinum-select",
    "issuer": "Citi",
    "card_name": "AAdvantage Platinum Select",
    "card_type": "personal",
    "points_currency": "Citi TYP",
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 80000
    },
    "velocity_constraints": [
      "citi_8_65"
    ],
    "elevated_offer": false,
    "last_verified": null,
    "notes": [
      "[Source: Provided Text]"
    ]
  },
  {
    "id": "citi-aadvantage-globe",
    "issuer": "Citi",
    "card_name": "AAdvantage Globe",
    "card_type": "personal",
    "points_currency": "Citi TYP",
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 90000
    },
    "velocity_constraints": [
      "citi_8_65"
    ],
    "elevated_offer": false,
    "last_verified": null,
    "notes": [
      "[Source: Provided Text]"
    ]
  },
  {
    "id": "bofa-premium-rewards",
    "issuer": "Bank of America",
    "card_name": "Premium Rewards",
    "card_type": "personal",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 60000,
      "travel_credit": 100
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": [
      "[Source: Provided Text]"
    ]
  },
  {
    "id": "bofa-premium-rewards-elite",
    "issuer": "Bank of America",
    "card_name": "Premium Rewards Elite",
    "card_type": "personal",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 75000
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": [
      "[Source: Provided Text]"
    ]
  },
  {
    "id": "bofa-spirit-free-spirit",
    "issuer": "Bank of America",
    "card_name": "Spirit ‘Free Spirit’",
    "card_type": "personal",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 65000,
      "flight_voucher": 100
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": [
      "[Source: Provided Text]"
    ]
  },
  {
    "id": "amex-delta-gold",
    "issuer": "American Express",
    "card_name": "Delta Gold",
    "card_type": "personal",
    "points_currency": "Amex MR",
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 50000,
      "statement_credit": 400
    },
    "velocity_constraints": [
      "amex_lifetime"
    ],
    "elevated_offer": false,
    "last_verified": null,
    "notes": [
      "[Source: Provided Text]"
    ]
  },
  {
    "id": "amex-hilton-business",
    "issuer": "American Express",
    "card_name": "Hilton Business",
    "card_type": "business",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 175000,
      "free_nights": 1
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": [
      "[Source: Provided Text]"
    ]
  },
  {
    "id": "amex-delta-business",
    "issuer": "American Express",
    "card_name": "Delta Business",
    "card_type": "business",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 125000
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": [
      "[Source: Provided Text]"
    ]
  },
  {
    "id": "capital-one-venture-x-business",
    "issuer": "Capital One",
    "card_name": "Venture X",
    "card_type": "business",
    "points_currency": "Capital One Miles",
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 200000
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": [
      "[Source: Provided Text]"
    ]
  },
  {
    "id": "capital-one-miles-select-business",
    "issuer": "Capital One",
    "card_name": "Spark Miles Select",
    "card_type": "business",
    "points_currency": "Capital One Miles",
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 50000
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": [
      "[Source: Provided Text]"
    ]
  },
  {
    "id": "amex-business-delta",
    "issuer": "American Express",
    "card_name": "Business Delta",
    "card_type": "business",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 70000,
      "statement_credit": 200
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": [
      "[Source: Provided Text]"
    ]
  },
  {
    "id": "chase-ihg-rewards-premier",
    "issuer": "Chase",
    "card_name": "IHG Rewards Premier Card",
    "card_type": "personal",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 175000
    },
    "velocity_constraints": [
      "5/24"
    ],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "chase-united-quest",
    "issuer": "Chase",
    "card_name": "United Quest Card",
    "card_type": "personal",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 100000
    },
    "velocity_constraints": [
      "5/24"
    ],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "chase-united-explorer",
    "issuer": "Chase",
    "card_name": "United Explorer",
    "card_type": "personal",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 85000
    },
    "velocity_constraints": [
      "5/24"
    ],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "citi-aadvantage-executive",
    "issuer": "Citi",
    "card_name": "AAdvantage Executive",
    "card_type": "personal",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 100000
    },
    "velocity_constraints": [
      "citi_8_65"
    ],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "synchrony-virgin-red",
    "issuer": "Synchrony",
    "card_name": "Virgin Red",
    "card_type": "personal",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 60000,
      "cash": 200
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "chase-aeroplan",
    "issuer": "Chase",
    "card_name": "Aeroplan",
    "card_type": "personal",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 85000
    },
    "velocity_constraints": [
      "5/24"
    ],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "chase-british-airways",
    "issuer": "Chase",
    "card_name": "British Airways",
    "card_type": "personal",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 90000
    },
    "velocity_constraints": [
      "5/24"
    ],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "chase-marriott-bold",
    "issuer": "Chase",
    "card_name": "Marriott Bold",
    "card_type": "personal",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 60000,
      "free_night": 1
    },
    "velocity_constraints": [
      "5/24"
    ],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "barclays-jetblue-plus",
    "issuer": "Barclays",
    "card_name": "Jetblue Plus",
    "card_type": "personal",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 75000
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "wells-fargo-expedia-one-key",
    "issuer": "Wells Fargo",
    "card_name": "Expedia One Key",
    "card_type": "personal",
    "points_currency": "cash",
    "annual_fee": null,
    "sign_up_bonus": {
      "cash": 600
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "lafayette-federal-cu-mastercard",
    "issuer": "Lafayette Federal Credit Union",
    "card_name": "Mastercard",
    "card_type": "personal",
    "points_currency": "cash",
    "annual_fee": null,
    "sign_up_bonus": {
      "cash": 650
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "penfed-pathfinder-rewards",
    "issuer": "PenFed",
    "card_name": "Pathfinder Rewards",
    "card_type": "personal",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 50000,
      "cash": 50
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "fremont-bank-personal-world-mastercard",
    "issuer": "Fremont Bank",
    "card_name": "Personal World Mastercard",
    "card_type": "personal",
    "points_currency": "cash",
    "annual_fee": null,
    "sign_up_bonus": {
      "cash": 500
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "northwest-federal-cu-credit-card",
    "issuer": "Northwest Federal Credit Union",
    "card_name": "Credit Card",
    "card_type": "personal",
    "points_currency": "cash",
    "annual_fee": null,
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      "companion_flight_voucher": true
    },
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      "cash": 300
    },
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    "id": "us-bank-shopper-cash-rewards",
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    "card_name": "Shopper Cash Rewards",
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      "cash": 250
    },
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    "id": "discover-it",
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      "feature": "double cash back"
    },
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    "id": "american-express-blue-cash-everyday",
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    "card_name": "Blue Cash Everyday",
    "card_type": "personal",
    "points_currency": "cash",
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      "cash": 250
    },
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    ],
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  },
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    "id": "bank-of-america-personal-unlimited-cash",
    "issuer": "Bank of America",
    "card_name": "Personal Unlimited Cash Rewards",
    "card_type": "personal",
    "points_currency": "cash",
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      "cash": 200
    },
    "velocity_constraints": [],
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  },
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    "id": "discover-it-miles",
    "issuer": "Discover",
    "card_name": "it Miles",
    "card_type": "personal",
    "points_currency": "cash",
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    "sign_up_bonus": {
      "cash": 100
    },
    "velocity_constraints": [],
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    "last_verified": null,
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  },
  {
    "id": "us-bank-cash-plus",
    "issuer": "U.S. Bank",
    "card_name": "Cash+",
    "card_type": "personal",
    "points_currency": "cash",
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      "cash": 200
    },
    "velocity_constraints": [],
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    "last_verified": null,
    "notes": []
  },
  {
    "id": "fidelity-2pct-card",
    "issuer": "Fidelity",
    "card_name": "2% Card",
    "card_type": "personal",
    "points_currency": "cash",
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      "cash": 150
    },
    "velocity_constraints": [],
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    "notes": []
  },
  {
    "id": "sallie-mae-accelerate-evolve",
    "issuer": "Sallie Mae",
    "card_name": "Accelerate & Evolve",
    "card_type": "personal",
    "points_currency": "cash",
    "annual_fee": null,
    "sign_up_bonus": {
      "cash": 200
    },
    "velocity_constraints": [],
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    "last_verified": null,
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  },
  {
    "id": "citi-att-points-plus",
    "issuer": "Citi",
    "card_name": "AT&T Points Plus",
    "card_type": "personal",
    "points_currency": "cash",
    "annual_fee": null,
    "sign_up_bonus": {
      "cash": 100
    },
    "velocity_constraints": [
      "citi_8_65"
    ],
    "elevated_offer": false,
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  },
  {
    "id": "barclays-upromise",
    "issuer": "Barclays",
    "card_name": "Upromise",
    "card_type": "personal",
    "points_currency": "cash",
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    "sign_up_bonus": {
      "cash": 300
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "apple-card",
    "issuer": "Apple",
    "card_name": "Card",
    "card_type": "personal",
    "points_currency": "cash",
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      "cash": 75
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "chase-sapphire-reserve-business",
    "issuer": "Chase",
    "card_name": "Sapphire Reserve Business",
    "card_type": "business",
    "points_currency": "Chase UR",
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 200000
    },
    "velocity_constraints": [
      "5/24"
    ],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "capital-one-business-spark-cash-select",
    "issuer": "Capital One",
    "card_name": "Business Spark Cash Select",
    "card_type": "business",
    "points_currency": "cash",
    "annual_fee": null,
    "sign_up_bonus": {
      "cash": 750
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "capital-one-business-spark-cash-plus",
    "issuer": "Capital One",
    "card_name": "Business Spark Cash Plus",
    "card_type": "business",
    "points_currency": "cash",
    "annual_fee": null,
    "sign_up_bonus": {
      "cash": 2000
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "capital-one-business-spark-cash",
    "issuer": "Capital One",
    "card_name": "Business Spark Cash",
    "card_type": "business",
    "points_currency": "cash",
    "annual_fee": null,
    "sign_up_bonus": {
      "cash": 1000
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "capital-one-business-venture-x",
    "issuer": "Capital One",
    "card_name": "Business Venture X",
    "card_type": "business",
    "points_currency": "Capital One Miles",
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 200000
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "chase-world-of-hyatt-business",
    "issuer": "Chase",
    "card_name": "World of Hyatt Business",
    "card_type": "business",
    "points_currency": "Chase UR",
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 80000
    },
    "velocity_constraints": [
      "5/24"
    ],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "chase-ihg-premier-business",
    "issuer": "Chase",
    "card_name": "IHG Premier Business Card",
    "card_type": "business",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 200000
    },
    "velocity_constraints": [
      "5/24"
    ],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "citi-aadvantage-business",
    "issuer": "Citi",
    "card_name": "AAdvantage Business",
    "card_type": "business",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 75000
    },
    "velocity_constraints": [
      "citi_8_65"
    ],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "barclays-gm-business",
    "issuer": "Barclays",
    "card_name": "GM Business Card",
    "card_type": "business",
    "points_currency": null,
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 100000
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "capital-one-business-miles-select",
    "issuer": "Capital One",
    "card_name": "Business Miles Select",
    "card_type": "business",
    "points_currency": "Capital One Miles",
    "annual_fee": null,
    "sign_up_bonus": {
      "points": 50000
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "wells-fargo-signify-business",
    "issuer": "Wells Fargo",
    "card_name": "Signify Business",
    "card_type": "business",
    "points_currency": "cash",
    "annual_fee": null,
    "sign_up_bonus": {
      "cash": 500
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "bank-of-america-business-ucr-ccr-tr",
    "issuer": "Bank of America",
    "card_name": "Business UCR/CCR/TR",
    "card_type": "business",
    "points_currency": "cash",
    "annual_fee": null,
    "sign_up_bonus": {
      "cash": 500
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "truist-premium-business",
    "issuer": "Truist",
    "card_name": "Premium Business Card",
    "card_type": "business",
    "points_currency": "cash",
    "annual_fee": null,
    "sign_up_bonus": {
      "cash": 1000,
      "spend_requirement": 15000
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "pnc-business-options",
    "issuer": "PNC",
    "card_name": "BusinessOptions",
    "card_type": "business",
    "points_currency": "cash",
    "annual_fee": null,
    "sign_up_bonus": {
      "cash": 800
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "amazing-business-credit-card",
    "issuer": "AmaZing",
    "card_name": "Business Credit Card",
    "card_type": "business",
    "points_currency": "cash",
    "annual_fee": null,
    "sign_up_bonus": {
      "cash": 1000
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "us-bank-triple-cash-rewards",
    "issuer": "U.S. Bank",
    "card_name": "Triple Cash Rewards",
    "card_type": "business",
    "points_currency": "cash",
    "annual_fee": null,
    "sign_up_bonus": {
      "cash": 750
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "us-bank-leverage-business",
    "issuer": "U.S. Bank",
    "card_name": "Leverage Business",
    "card_type": "business",
    "points_currency": "cash",
    "annual_fee": null,
    "sign_up_bonus": {
      "cash": 750
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "american-express-blue-business-cash",
    "issuer": "American Express",
    "card_name": "Blue Business Cash",
    "card_type": "business",
    "points_currency": "cash",
    "annual_fee": null,
    "sign_up_bonus": {
      "cash": 500
    },
    "velocity_constraints": [
      "amex_lifetime"
    ],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "huntington-business-voice",
    "issuer": "Huntington",
    "card_name": "Business Voice",
    "card_type": "business",
    "points_currency": "cash",
    "annual_fee": null,
    "sign_up_bonus": {
      "cash": 150,
      "feature": "8% categories"
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "first-source-smart-business-rewards",
    "issuer": "1st Source Bank",
    "card_name": "Smart Business Rewards",
    "card_type": "business",
    "points_currency": "cash",
    "annual_fee": null,
    "sign_up_bonus": {
      "cash": 200
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "fnbo-evergreen-business",
    "issuer": "FNBO",
    "card_name": "Evergreen Business Card",
    "card_type": "business",
    "points_currency": "cash",
    "annual_fee": null,
    "sign_up_bonus": {
      "cash": 300
    },
    "velocity_constraints": [],
    "elevated_offer": false,
    "last_verified": null,
    "notes": []
  },
  {
    "id": "chase-marriott-bonvoy-boundless-50k",
    "issuer": "Chase",
    "card_name": "Marriott Bonvoy Boundless – 50,000 Points + $400 eGiftcard + $100 Airline Credit",
    "card_type": "personal",
    "points_currency": "Chase UR",
    "annual_fee": 95,
    "sign_up_bonus": {
      "points": 50000,
      "spend_requirement": null,
      "spend_window_days": null
    },
    "velocity_constraints": [
      "5/24"
    ],
    "elevated_offer": false,
    "last_verified": "",
    "notes": []
  },
  {
    "id": "chase-sapphire-reserve",
    "issuer": "Chase",
    "card_name": "Sapphire Reserve",
    "card_type": "personal",
    "points_currency": "Chase UR",
    "annual_fee": 795,
    "sign_up_bonus": {
      "points": 125000
    },
    "velocity_constraints": [
      "5/24",
      "sapphire_48m"
    ],
    "elevated_offer": false,
    "last_verified": "2024-06-01",
    "notes": []
  },
  {
    "id": "chase-marriott-bonvoy-boundless",
    "issuer": "Chase",
    "card_name": "Marriott Bonvoy Boundless (50k Points + eGiftcard)",
    "card_type": "personal",
    "points_currency": "Chase UR",
    "annual_fee": 95,
    "sign_up_bonus": {
      "points": 50000,
      "egiftcard": 400,
      "airline_credit": 100
    },
    "velocity_constraints": [
      "5/24"
    ],
    "elevated_offer": false,
    "last_verified": "2024-06-01",
    "notes": []
  }
]