{"cards":[{"id":1,"name":"Amex Gold","issuer":"Amex","program":"Amex Membership Rewards","cardType":"Travel","bonusRaw":100000,"bonusDisplay":"100,000 Points","currency":"Points","estimatedValue":2000,"annualFee":325,"feeWaived":"No","minSpend":8000,"minSpendMonths":6,"creditScore":"Good–Excellent","timingStatus":"average","timingNote":"Typical range. Has hit 90k.","allTimeHigh":100000,"allTimeLow":100000,"offer_url":"https://www.americanexpress.com/us/credit-cards/card/gold-card/","lastUpdated":null,"history":[60000,60000,60000,60000,60000,60000,60000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000],"historySeries":[60000,60000,60000,60000,60000,60000,60000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000,100000],"loungeAccess":false,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":null,"globalEntryCreditNote":null,"freeNightCert":null,"offerIsMax":true,"bonusExtra":null,"bonusExtraValue":null},{"id":3,"name":"Amex Platinum","issuer":"Amex","program":"Amex Membership Rewards","cardType":"Travel","bonusRaw":175000,"bonusDisplay":"175,000 Points","currency":"Points","estimatedValue":3500,"annualFee":895,"feeWaived":"No","minSpend":12000,"minSpendMonths":6,"creditScore":"Excellent","timingStatus":"average","timingNote":"Near historic high. Usually 60–80k.","allTimeHigh":175000,"allTimeLow":175000,"offer_url":"https://www.americanexpress.com/us/credit-cards/card/platinum/","lastUpdated":null,"history":[80000,80000,80000,80000,80000,80000,80000,175000,175000,175000,175000,175000,175000,175000,175000,175000,175000,175000,175000,175000,175000,175000,175000,175000],"historySeries":[80000,80000,80000,80000,80000,80000,80000,175000,175000,175000,175000,175000,175000,175000,175000,175000,175000,175000,175000,175000,175000,175000,175000,175000],"loungeAccess":true,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":"Full","loungeAccessNote":"Centurion Lounges, Priority Pass membership (enrollment required), and 10 Delta Sky Club visits a year on eligible Delta flights (unlimited after $75,000 in eligible purchases in a calendar year)","globalEntryCredit":120,"globalEntryCreditNote":"Global Entry $120 or TSA PreCheck up to $85, every 4 years","freeNightCert":null,"offerIsMax":true,"bonusExtra":null,"bonusExtraValue":null},{"id":4,"name":"Blue Cash Everyday","issuer":"Amex","program":"Cash Back","cardType":"Cash Back","bonusRaw":200,"bonusDisplay":"$200","currency":"Cash","estimatedValue":200,"annualFee":0,"feeWaived":"No AF","minSpend":2000,"minSpendMonths":6,"creditScore":"Good–Excellent","timingStatus":"average","timingNote":"","allTimeHigh":200,"allTimeLow":200,"offer_url":"https://www.americanexpress.com/us/credit-cards/card/blue-cash-everyday/","lastUpdated":null,"history":[200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200],"historySeries":[200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200],"loungeAccess":false,"noForeignFee":false,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":null,"globalEntryCreditNote":null,"freeNightCert":null,"offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":5,"name":"Blue Cash Preferred","issuer":"Amex","program":"Cash Back","cardType":"Cash Back","bonusRaw":300,"bonusDisplay":"$300","currency":"Cash","estimatedValue":300,"annualFee":95,"feeWaived":"Yes","minSpend":3000,"minSpendMonths":6,"creditScore":"Good–Excellent","timingStatus":"average","timingNote":"","allTimeHigh":300,"allTimeLow":300,"offer_url":"https://www.americanexpress.com/us/credit-cards/card/blue-cash-preferred/","lastUpdated":null,"history":[250,250,250,300,300,300,300,300,300,300,300,300,300,300,300,300,300,300,300,300,300,300,300,300],"historySeries":[250,250,250,300,300,300,300,300,300,300,300,300,300,300,300,300,300,300,300,300,300,300,300,300],"loungeAccess":false,"noForeignFee":false,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":null,"globalEntryCreditNote":null,"freeNightCert":null,"offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":6,"name":"Delta SkyMiles Blue","issuer":"Amex","program":"Delta SkyMiles","cardType":"Airline","bonusRaw":10000,"bonusDisplay":"10,000 Miles","currency":"Miles","estimatedValue":120,"annualFee":0,"feeWaived":"No AF","minSpend":1000,"minSpendMonths":6,"creditScore":"Good","timingStatus":"average","timingNote":"Entry-level card. Offer rarely changes.","allTimeHigh":10000,"allTimeLow":10000,"offer_url":"https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-blue-american-express-card/","lastUpdated":null,"history":[10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000],"historySeries":[10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000,10000],"loungeAccess":false,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":null,"globalEntryCreditNote":null,"freeNightCert":null,"offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":7,"name":"Delta SkyMiles Gold Amex","issuer":"Amex","program":"Delta SkyMiles","cardType":"Airline","bonusRaw":80000,"bonusDisplay":"80,000 Miles","currency":"Miles","estimatedValue":1210,"annualFee":150,"feeWaived":"Yes","minSpend":3000,"minSpendMonths":6,"creditScore":"Good–Excellent","timingStatus":"average","timingNote":"All time high","allTimeHigh":90000,"allTimeLow":80000,"offer_url":"https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/","lastUpdated":"2026-09-30","history":[50000,50000,50000,80000,80000,80000,50000,50000,50000,50000,80000,80000,50000,50000,90000,90000,90000,80000,80000,90000,80000,80000,80000,80000],"historySeries":[50000,50000,50000,80000,80000,80000,50000,50000,50000,50000,80000,80000,50000,50000,90000,90000,90000,80000,80000,90000,80000,80000,80000,80000],"loungeAccess":false,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":null,"globalEntryCreditNote":null,"freeNightCert":null,"offerIsMax":true,"bonusExtra":"$250 statement credit","bonusExtraValue":250},{"id":8,"name":"Delta SkyMiles Platinum Amex","issuer":"Amex","program":"Delta SkyMiles","cardType":"Airline","bonusRaw":90000,"bonusDisplay":"90,000 Miles","currency":"Miles","estimatedValue":1380,"annualFee":350,"feeWaived":"No","minSpend":4000,"minSpendMonths":6,"creditScore":"Good–Excellent","timingStatus":"average","timingNote":"Elevated offer. Standard is 50–70k.","allTimeHigh":100000,"allTimeLow":90000,"offer_url":"https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-platinum-american-express-card/","lastUpdated":"2026-09-30","history":[60000,60000,60000,90000,90000,90000,60000,60000,90000,60000,90000,90000,60000,60000,100000,100000,100000,90000,90000,100000,100000,100000,90000,90000],"historySeries":[60000,60000,60000,90000,90000,90000,60000,60000,90000,60000,90000,90000,60000,60000,100000,100000,100000,90000,90000,100000,100000,100000,90000,90000],"loungeAccess":false,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":120,"globalEntryCreditNote":"Global Entry $120 or TSA PreCheck up to $85, every 4 years","freeNightCert":null,"offerIsMax":true,"bonusExtra":"$300 statement credit","bonusExtraValue":300},{"id":9,"name":"Delta SkyMiles Reserve Amex","issuer":"Amex","program":"Delta SkyMiles","cardType":"Airline","bonusRaw":50000,"bonusDisplay":"50,000 Miles","currency":"Miles","estimatedValue":1600,"annualFee":650,"feeWaived":"No","minSpend":10000,"minSpendMonths":6,"creditScore":"Excellent","timingStatus":"low","timingNote":"Typical range. Has reached 100k in the past.","allTimeHigh":125000,"allTimeLow":50000,"offer_url":"https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-reserve-american-express-card/","lastUpdated":"2026-08-27","history":[70000,70000,70000,100000,100000,100000,70000,70000,70000,70000,100000,100000,70000,70000,125000,125000,125000,100000,100000,125000,100000,50000,50000,50000],"historySeries":[70000,70000,70000,100000,100000,100000,70000,70000,70000,70000,100000,100000,70000,70000,125000,125000,125000,100000,100000,125000,100000,50000,50000,50000],"loungeAccess":true,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":"Limited","loungeAccessNote":"15 Delta Sky Club visits per year; unlimited after $75,000 annual spend","globalEntryCredit":120,"globalEntryCreditNote":"Global Entry $120 or TSA PreCheck up to $85, every 4 years","freeNightCert":null,"offerIsMax":false,"bonusExtra":"2 round-trip Delta Comfort flights","bonusExtraValue":1000},{"id":10,"name":"Hilton Honors Amex Surpass","issuer":"Amex","program":"Hilton Points","cardType":"Hotel","bonusRaw":130000,"bonusDisplay":"130,000 Points","currency":"Points","estimatedValue":920,"annualFee":150,"feeWaived":"No","minSpend":3000,"minSpendMonths":6,"creditScore":"Good–Excellent","timingStatus":"average","timingNote":"Strong offer. Typical is 100–130k.","allTimeHigh":130000,"allTimeLow":130000,"offer_url":"https://www.americanexpress.com/us/credit-cards/card/hilton-honors-surpass/","lastUpdated":null,"history":[130000,130000,130000,130000,130000,130000,130000,130000,130000,130000,130000,155000,155000,155000,155000,130000,130000,130000,130000,130000,130000,130000,130000,130000],"historySeries":[130000,130000,130000,130000,130000,130000,130000,130000,130000,130000,130000,155000,155000,155000,155000,130000,130000,130000,130000,130000,130000,130000,130000,130000],"loungeAccess":false,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":null,"globalEntryCreditNote":null,"freeNightCert":"Standard room (no pts cap) after $15,000 spend in a calendar year","offerIsMax":false,"bonusExtra":"Free Night Reward","bonusExtraValue":400},{"id":11,"name":"Hilton Honors Aspire","issuer":"Amex","program":"Hilton Points","cardType":"Hotel","bonusRaw":200000,"bonusDisplay":"200,000 Points","currency":"Points","estimatedValue":800,"annualFee":550,"feeWaived":"No","minSpend":6000,"minSpendMonths":6,"creditScore":"Excellent","timingStatus":"high","timingNote":"At or near historic high. Typically 100–150k.","allTimeHigh":200000,"allTimeLow":150000,"offer_url":"https://www.americanexpress.com/us/credit-cards/card/hilton-honors-aspire/","lastUpdated":"2026-09-13","history":[175000,175000,175000,175000,175000,175000,150000,175000,175000,175000,150000,150000,175000,175000,150000,150000,175000,150000,175000,175000,150000,150000,200000,200000],"historySeries":[175000,175000,175000,175000,175000,175000,150000,175000,175000,175000,150000,150000,175000,175000,150000,150000,175000,150000,175000,175000,150000,150000,200000,200000],"loungeAccess":false,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":null,"globalEntryCreditNote":null,"freeNightCert":"Standard room (no pts cap), first year and each renewal; +1 at $30,000 and +1 at $60,000 spend in a calendar year","offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":12,"name":"Hilton Honors","issuer":"Amex","program":"Hilton Points","cardType":"Hotel","bonusRaw":70000,"bonusDisplay":"70,000 Points","currency":"Points","estimatedValue":680,"annualFee":0,"feeWaived":"No AF","minSpend":2000,"minSpendMonths":6,"creditScore":"Good","timingStatus":"low","timingNote":"Typical offer. Occasionally hits 100k.","allTimeHigh":100000,"allTimeLow":70000,"offer_url":"https://www.americanexpress.com/us/credit-cards/card/hilton-honors/","lastUpdated":"2026-09-30","history":[70000,70000,70000,70000,70000,70000,70000,100000,100000,100000,80000,80000,80000,80000,80000,100000,70000,80000,100000,100000,80000,80000,70000,70000],"historySeries":[70000,70000,70000,70000,70000,70000,70000,100000,100000,100000,80000,80000,80000,80000,80000,100000,70000,80000,100000,100000,80000,80000,70000,70000],"loungeAccess":false,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":null,"globalEntryCreditNote":null,"freeNightCert":null,"offerIsMax":false,"bonusExtra":"Free Night Reward","bonusExtraValue":400},{"id":13,"name":"Marriott Bonvoy Bevy","issuer":"Amex","program":"Marriott Bonvoy","cardType":"Hotel","bonusRaw":85000,"bonusDisplay":"85,000 Points","currency":"Points","estimatedValue":765,"annualFee":250,"feeWaived":"No","minSpend":5000,"minSpendMonths":6,"creditScore":"Good–Excellent","timingStatus":"low","timingNote":"Typical range. Has hit 125k in targeted offers.","allTimeHigh":175000,"allTimeLow":85000,"offer_url":"https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-bevy/","lastUpdated":"2026-10-01","history":[85000,85000,85000,85000,155000,155000,155000,85000,85000,155000,155000,85000,85000,85000,85000,85000,175000,175000,135000,135000,135000,135000,125000,85000],"historySeries":[85000,85000,85000,85000,155000,155000,155000,85000,85000,155000,155000,85000,85000,85000,85000,85000,175000,175000,135000,135000,135000,135000,125000,85000],"loungeAccess":false,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":null,"globalEntryCreditNote":null,"freeNightCert":"Up to 50,000 pts after $15,000 spend in a calendar year","offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":14,"name":"Marriott Bonvoy Brilliant","issuer":"Amex","program":"Marriott Bonvoy","cardType":"Hotel","bonusRaw":100000,"bonusDisplay":"100,000 Points","currency":"Points","estimatedValue":900,"annualFee":650,"feeWaived":"No","minSpend":6000,"minSpendMonths":6,"creditScore":"Excellent","timingStatus":"low","timingNote":"Near historic high. Usually 100–150k.","allTimeHigh":200000,"allTimeLow":100000,"offer_url":"https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-brilliant/","lastUpdated":"2026-10-01","history":[95000,95000,95000,95000,185000,185000,185000,95000,95000,185000,185000,95000,95000,95000,95000,95000,200000,200000,150000,150000,150000,150000,150000,100000],"historySeries":[95000,95000,95000,95000,185000,185000,185000,95000,95000,185000,185000,95000,95000,95000,95000,95000,200000,200000,150000,150000,150000,150000,150000,100000],"loungeAccess":true,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":"Full","loungeAccessNote":"Priority Pass Select membership, unlimited visits","globalEntryCredit":120,"globalEntryCreditNote":"Global Entry $120 or TSA PreCheck up to $85, every 4 years","freeNightCert":"Up to 85,000 pts, each renewal","offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":15,"name":"Air France KLM Visa Signature","issuer":"Bank of America","program":"Air France Flying Blue","cardType":"Airline","bonusRaw":50000,"bonusDisplay":"50,000 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Airlines Atmos Rewards Summit Visa Infinite","issuer":"Bank of America","program":"Alaska Airlines Atmos","cardType":"Airline","bonusRaw":80000,"bonusDisplay":"80,000 Points","currency":"Points","estimatedValue":1240,"annualFee":395,"feeWaived":"No","minSpend":4000,"minSpendMonths":3,"creditScore":"Excellent","timingStatus":"average","timingNote":"","allTimeHigh":100000,"allTimeLow":70000,"offer_url":"https://www.bankofamerica.com/credit-cards/products/alaska-airlines-infinite-credit-card/","lastUpdated":"2026-10-31","history":[100000,100000,80000,100000,100000,100000,80000,80000,70000,80000],"historySeries":[null,null,null,null,null,null,null,null,null,null,null,null,null,null,100000,100000,80000,100000,100000,100000,80000,80000,70000,80000],"loungeAccess":true,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":"Limited","loungeAccessNote":"8 Alaska Lounge passes per year (2 per 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Back","cardType":"Travel","bonusRaw":150,"bonusDisplay":"$150","currency":"Cash","estimatedValue":150,"annualFee":0,"feeWaived":"No AF","minSpend":500,"minSpendMonths":3,"creditScore":"","timingStatus":"average","timingNote":"","allTimeHigh":150,"allTimeLow":100,"offer_url":"https://creditcards.chase.com/rewards-credit-cards/disney/rewards","lastUpdated":null,"history":[200,200,200,200,200,200,200,200,200,200,200,200,200,200,150,150,150,150,150,150,150,150,150,150],"historySeries":[200,200,200,200,200,200,200,200,200,200,200,200,200,200,150,150,150,150,150,150,150,150,150,150],"loungeAccess":false,"noForeignFee":false,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":null,"globalEntryCreditNote":null,"freeNightCert":null,"offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":44,"name":"Freedom Flex","issuer":"Chase","program":"Cash Back","cardType":"Cash Back","bonusRaw":250,"bonusDisplay":"$250","currency":"Cash","estimatedValue":250,"annualFee":0,"feeWaived":"No AF","minSpend":500,"minSpendMonths":3,"creditScore":"Good","timingStatus":"high","timingNote":"","allTimeHigh":250,"allTimeLow":200,"offer_url":"https://creditcards.chase.com/cash-back-credit-cards/freedom/flex","lastUpdated":"2026-09-30","history":[200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,250,250],"historySeries":[200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,200,250,250],"loungeAccess":false,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":null,"globalEntryCreditNote":null,"freeNightCert":null,"offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":45,"name":"Freedom Unlimited","issuer":"Chase","program":"Cash Back","cardType":"Cash Back","bonusRaw":200,"bonusDisplay":"$200","currency":"Cash","estimatedValue":200,"annualFee":0,"feeWaived":"No AF","minSpend":500,"minSpendMonths":3,"creditScore":"Good","timingStatus":"average","timingNote":"Steady offer, occasionally hits $300.","allTimeHigh":250,"allTimeLow":200,"offer_url":"https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited","lastUpdated":"2026-05-02","history":[200,200,200,200,200,200,200,200,200,200,200,200,200,300,300,200,250,250,200,200,200,200,200,200],"historySeries":[200,200,200,200,200,200,200,200,200,200,200,200,200,300,300,200,250,250,200,200,200,200,200,200],"loungeAccess":false,"noForeignFee":false,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":null,"globalEntryCreditNote":null,"freeNightCert":null,"offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":46,"name":"Iberia Visa Signature","issuer":"Chase","program":"Iberia Plus (Avios)","cardType":"Airline","bonusRaw":75000,"bonusDisplay":"75,000 Avios","currency":"Avios","estimatedValue":1050,"annualFee":95,"feeWaived":"No","minSpend":5000,"minSpendMonths":3,"creditScore":"Good–Excellent","timingStatus":"average","timingNote":"At or near historic high. Usually 50–75k.","allTimeHigh":75000,"allTimeLow":75000,"offer_url":"https://creditcards.chase.com/travel-credit-cards/avios/iberia","lastUpdated":null,"history":[100000,100000,75000,75000,75000,100000,100000,100000,100000,100000,100000,100000,100000,100000,75000,75000,75000,75000,75000,75000,75000,75000,75000,75000],"historySeries":[100000,100000,75000,75000,75000,100000,100000,100000,100000,100000,100000,100000,100000,100000,75000,75000,75000,75000,75000,75000,75000,75000,75000,75000],"loungeAccess":false,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":null,"globalEntryCreditNote":null,"freeNightCert":null,"offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":47,"name":"IHG One Rewards Premier","issuer":"Chase","program":"IHG One Rewards","cardType":"Hotel","bonusRaw":180000,"bonusDisplay":"180,000 Points","currency":"Points","estimatedValue":1170,"annualFee":150,"feeWaived":"No","minSpend":3000,"minSpendMonths":3,"creditScore":"Good–Excellent","timingStatus":"high","timingNote":"Solid offer. Has reached 175k.","allTimeHigh":185000,"allTimeLow":140000,"offer_url":"https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier","lastUpdated":"2026-10-12","history":[140000,140000,170000,170000,170000,170000,160000,160000,140000,140000,165000,140000,140000,140000,175000,175000,140000,140000,185000,140000,140000,140000,140000,180000],"historySeries":[140000,140000,170000,170000,170000,170000,160000,160000,140000,140000,165000,140000,140000,140000,175000,175000,140000,140000,185000,140000,140000,140000,140000,180000],"loungeAccess":false,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":120,"globalEntryCreditNote":"Up to $120 for Global Entry, TSA PreCheck or NEXUS, every 4 years","freeNightCert":"Up to 50,000 pts (points can be added), each anniversary","offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":48,"name":"IHG One Rewards","issuer":"Chase","program":"IHG One Rewards","cardType":"Hotel","bonusRaw":125000,"bonusDisplay":"125,000 Points","currency":"Points","estimatedValue":813,"annualFee":0,"feeWaived":"No AF","minSpend":2000,"minSpendMonths":3,"creditScore":"Good","timingStatus":"high","timingNote":"Typical offer. Has reached 100k.","allTimeHigh":125000,"allTimeLow":80000,"offer_url":"https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/one-rewards","lastUpdated":"2026-10-12","history":[100000,100000,100000,120000,120000,80000,80000,80000,80000,80000,90000,90000,80000,80000,90000,90000,80000,80000,125000,80000,80000,80000,80000,125000],"historySeries":[100000,100000,100000,120000,120000,80000,80000,80000,80000,80000,90000,90000,80000,80000,90000,90000,80000,80000,125000,80000,80000,80000,80000,125000],"loungeAccess":false,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":null,"globalEntryCreditNote":null,"freeNightCert":null,"offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":49,"name":"Marriott Bonvoy Bold","issuer":"Chase","program":"Marriott Bonvoy","cardType":"Hotel","bonusRaw":45000,"bonusDisplay":"45,000 Points","currency":"Points","estimatedValue":405,"annualFee":0,"feeWaived":"No AF","minSpend":1000,"minSpendMonths":3,"creditScore":"Good","timingStatus":"high","timingNote":"At historic high. Usually 30–50k.","allTimeHigh":45000,"allTimeLow":30000,"offer_url":"https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold","lastUpdated":"2026-08-07","history":[60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,30000,30000,30000,30000,30000,30000,30000,30000,45000,45000,45000],"historySeries":[60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,30000,30000,30000,30000,30000,30000,30000,30000,45000,45000,45000],"loungeAccess":false,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":null,"globalEntryCreditNote":null,"freeNightCert":null,"offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":50,"name":"Marriott Bonvoy Boundless","issuer":"Chase","program":"Marriott Bonvoy Free Nights","cardType":"Hotel","bonusRaw":3,"bonusDisplay":"3 Free Nights","currency":"Free Nights","estimatedValue":1350,"annualFee":95,"feeWaived":"No","minSpend":3000,"minSpendMonths":3,"creditScore":"Good–Excellent","timingStatus":"low","timingNote":"","allTimeHigh":5,"allTimeLow":3,"offer_url":"https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless","lastUpdated":"2026-09-12","history":[3,3,3,3,3,3,4,4,3.5,3,3.5,3.5,3,3,5,5,4,4,4,3.5,3.5,4,3,3],"historySeries":[3,3,3,3,3,3,4,4,3.5,3,3.5,3.5,3,3,5,5,4,4,4,3.5,3.5,4,3,3],"loungeAccess":false,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":null,"globalEntryCreditNote":null,"freeNightCert":"Up to 35,000 pts, each anniversary","offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":51,"name":"Marriott Bonvoy Bountiful","issuer":"Chase","program":"Marriott Bonvoy","cardType":"Hotel","bonusRaw":85000,"bonusDisplay":"85,000 Points","currency":"Points","estimatedValue":765,"annualFee":250,"feeWaived":"No","minSpend":4000,"minSpendMonths":3,"creditScore":"Good–Excellent","timingStatus":"average","timingNote":"Steady offer. Rarely goes above 125k.","allTimeHigh":85000,"allTimeLow":85000,"offer_url":"https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bountiful","lastUpdated":null,"history":[85000,85000,85000,85000,85000,85000,85000,85000,85000,85000,85000,85000,125000,85000,85000,85000,85000,85000,85000,85000,85000,85000,85000,85000],"historySeries":[85000,85000,85000,85000,85000,85000,85000,85000,85000,85000,85000,85000,125000,85000,85000,85000,85000,85000,85000,85000,85000,85000,85000,85000],"loungeAccess":false,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":null,"globalEntryCreditNote":null,"freeNightCert":"Up to 50,000 pts after $15,000 spend in a calendar year","offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":52,"name":"Sapphire Preferred","issuer":"Chase","program":"Chase Ultimate Rewards","cardType":"Travel","bonusRaw":75000,"bonusDisplay":"75,000 Points","currency":"Points","estimatedValue":1538,"annualFee":95,"feeWaived":"No","minSpend":5000,"minSpendMonths":3,"creditScore":"Good–Excellent","timingStatus":"average","timingNote":"Has reached 100k. Currently average.","allTimeHigh":100000,"allTimeLow":75000,"offer_url":"https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred","lastUpdated":"2026-07-31","history":[60000,60000,60000,60000,60000,100000,100000,75000,75000,75000,75000,75000,75000,75000,75000,75000,75000,75000,75000,100000,75000,75000,75000,75000],"historySeries":[60000,60000,60000,60000,60000,100000,100000,75000,75000,75000,75000,75000,75000,75000,75000,75000,75000,75000,75000,100000,75000,75000,75000,75000],"loungeAccess":false,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"primary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":120,"globalEntryCreditNote":"Up to $120 for Global Entry, TSA PreCheck or NEXUS, every 4 years","freeNightCert":null,"offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":53,"name":"Sapphire Reserve","issuer":"Chase","program":"Chase Ultimate Rewards","cardType":"Travel","bonusRaw":100000,"bonusDisplay":"100,000 Points","currency":"Points","estimatedValue":2050,"annualFee":795,"feeWaived":"No","minSpend":6000,"minSpendMonths":3,"creditScore":"Excellent","timingStatus":"average","timingNote":"Has been as high as 100k. Currently below average.","allTimeHigh":150000,"allTimeLow":100000,"offer_url":"https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve","lastUpdated":"2026-06-22","history":[60000,60000,60000,60000,60000,60000,60000,200000,200000,200000,200000,200000,200000,200000,125000,125000,125000,125000,150000,100000,100000,100000,100000,100000],"historySeries":[60000,60000,60000,60000,60000,60000,60000,200000,200000,200000,200000,200000,200000,200000,125000,125000,125000,125000,150000,100000,100000,100000,100000,100000],"loungeAccess":true,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"primary","loungeAccessType":"Full","loungeAccessNote":"Complimentary access to Chase Sapphire Lounges and 1,300+ Priority Pass lounges, with up to two guests","globalEntryCredit":120,"globalEntryCreditNote":"Up to $120 for Global Entry, TSA PreCheck or NEXUS, every 4 years","freeNightCert":null,"offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":54,"name":"Southwest Rapid Rewards Plus","issuer":"Chase","program":"Southwest Rapid Rewards","cardType":"Airline","bonusRaw":80000,"bonusDisplay":"80,000 Points","currency":"Points","estimatedValue":1040,"annualFee":99,"feeWaived":"No","minSpend":1000,"minSpendMonths":3,"creditScore":"Good","timingStatus":"high","timingNote":"Typical offer. Has reached 75k for Companion Pass promos.","allTimeHigh":80000,"allTimeLow":50000,"offer_url":"https://creditcards.chase.com/travel-credit-cards/southwest/plus","lastUpdated":"2026-10-31","history":[40000,40000,50000,40000,40000,50000,50000,50000,100000,100000,50000,85000,85000,50000,50000,50000,50000,50000,80000,80000,50000,50000,50000,80000],"historySeries":[40000,40000,50000,40000,40000,50000,50000,50000,100000,100000,50000,85000,85000,50000,50000,50000,50000,50000,80000,80000,50000,50000,50000,80000],"loungeAccess":false,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":null,"globalEntryCreditNote":null,"freeNightCert":null,"offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":55,"name":"Southwest Rapid Rewards Premier","issuer":"Chase","program":"Southwest Rapid Rewards","cardType":"Airline","bonusRaw":85000,"bonusDisplay":"85,000 Points","currency":"Points","estimatedValue":1105,"annualFee":149,"feeWaived":"No","minSpend":2000,"minSpendMonths":3,"creditScore":"Good","timingStatus":"high","timingNote":"Typical offer. Occasionally elevated to 65–75k.","allTimeHigh":85000,"allTimeLow":55000,"offer_url":"https://creditcards.chase.com/travel-credit-cards/southwest/premier","lastUpdated":"2026-10-31","history":[60000,60000,50000,50000,50000,50000,50000,50000,100000,100000,50000,85000,85000,50000,50000,50000,55000,55000,85000,85000,55000,55000,55000,85000],"historySeries":[60000,60000,50000,50000,50000,50000,50000,50000,100000,100000,50000,85000,85000,50000,50000,50000,55000,55000,85000,85000,55000,55000,55000,85000],"loungeAccess":false,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":null,"globalEntryCreditNote":null,"freeNightCert":null,"offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":56,"name":"Southwest Rapid Rewards Priority","issuer":"Chase","program":"Southwest Rapid Rewards","cardType":"Airline","bonusRaw":90000,"bonusDisplay":"90,000 Points","currency":"Points","estimatedValue":1170,"annualFee":229,"feeWaived":"No","minSpend":3000,"minSpendMonths":3,"creditScore":"Good–Excellent","timingStatus":"high","timingNote":"Typical offer. Watch for elevated Companion Pass promos.","allTimeHigh":90000,"allTimeLow":60000,"offer_url":"https://creditcards.chase.com/travel-credit-cards/southwest/priority","lastUpdated":"2026-10-31","history":[60000,60000,50000,40000,40000,50000,50000,50000,100000,100000,50000,85000,85000,50000,50000,50000,60000,60000,90000,90000,60000,60000,60000,90000],"historySeries":[60000,60000,50000,40000,40000,50000,50000,50000,100000,100000,50000,85000,85000,50000,50000,50000,60000,60000,90000,90000,60000,60000,60000,90000],"loungeAccess":false,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":null,"globalEntryCreditNote":null,"freeNightCert":null,"offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":57,"name":"United Club","issuer":"Chase","program":"United MileagePlus","cardType":"Airline","bonusRaw":100000,"bonusDisplay":"100,000 Miles","currency":"Miles","estimatedValue":1300,"annualFee":695,"feeWaived":"No","minSpend":5000,"minSpendMonths":3,"creditScore":"Excellent","timingStatus":"average","timingNote":"Typical range. Has reached 100k.","allTimeHigh":110000,"allTimeLow":90000,"offer_url":"https://creditcards.chase.com/travel-credit-cards/united/club-infinite","lastUpdated":"2026-10-31","history":[80000,80000,80000,80000,80000,80000,80000,100000,100000,100000,80000,80000,80000,80000,80000,80000,90000,110000,90000,90000,90000,90000,90000,100000],"historySeries":[80000,80000,80000,80000,80000,80000,80000,100000,100000,100000,80000,80000,80000,80000,80000,80000,90000,110000,90000,90000,90000,90000,90000,100000],"loungeAccess":true,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"primary","loungeAccessType":"Full","loungeAccessNote":"Full United Club membership","globalEntryCredit":120,"globalEntryCreditNote":"Up to $120 for Global Entry, TSA PreCheck or NEXUS, every 4 years","freeNightCert":null,"offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":58,"name":"United Explorer","issuer":"Chase","program":"United MileagePlus","cardType":"Airline","bonusRaw":80000,"bonusDisplay":"80,000 Miles","currency":"Miles","estimatedValue":1040,"annualFee":150,"feeWaived":"Yes","minSpend":3000,"minSpendMonths":3,"creditScore":"Good–Excellent","timingStatus":"high","timingNote":"Has been 60–70k. Currently below average.","allTimeHigh":80000,"allTimeLow":60000,"offer_url":"https://creditcards.chase.com/travel-credit-cards/united/united-explorer","lastUpdated":"2026-10-31","history":[60000,60000,60000,60000,80000,80000,60000,60000,60000,60000,60000,60000,60000,60000,70000,70000,70000,80000,60000,60000,60000,60000,60000,80000],"historySeries":[60000,60000,60000,60000,80000,80000,60000,60000,60000,60000,60000,60000,60000,60000,70000,70000,70000,80000,60000,60000,60000,60000,60000,80000],"loungeAccess":true,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"primary","loungeAccessType":"Limited","loungeAccessNote":"2 United Club one-time passes per year","globalEntryCredit":120,"globalEntryCreditNote":"Up to $120 for Global Entry, TSA PreCheck or NEXUS, every 4 years","freeNightCert":null,"offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":59,"name":"United Gateway","issuer":"Chase","program":"United MileagePlus","cardType":"Airline","bonusRaw":50000,"bonusDisplay":"50,000 Miles","currency":"Miles","estimatedValue":650,"annualFee":0,"feeWaived":"No AF","minSpend":1000,"minSpendMonths":3,"creditScore":"Good","timingStatus":"high","timingNote":"Entry-level United card. Offer is fairly stable.","allTimeHigh":50000,"allTimeLow":30000,"offer_url":"https://creditcards.chase.com/travel-credit-cards/united/united-gateway","lastUpdated":"2026-10-31","history":[30000,30000,20000,20000,20000,20000,30000,30000,20000,30000,30000,30000,30000,30000,30000,30000,30000,40000,40000,40000,40000,40000,40000,50000],"historySeries":[30000,30000,20000,20000,20000,20000,30000,30000,20000,30000,30000,30000,30000,30000,30000,30000,30000,40000,40000,40000,40000,40000,40000,50000],"loungeAccess":false,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":null,"globalEntryCreditNote":null,"freeNightCert":null,"offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":60,"name":"United Quest","issuer":"Chase","program":"United MileagePlus","cardType":"Airline","bonusRaw":90000,"bonusDisplay":"90,000 Miles","currency":"Miles","estimatedValue":1170,"annualFee":350,"feeWaived":"No","minSpend":4000,"minSpendMonths":3,"creditScore":"Good–Excellent","timingStatus":"high","timingNote":"Typical range. Has reached 80k.","allTimeHigh":100000,"allTimeLow":70000,"offer_url":"https://creditcards.chase.com/travel-credit-cards/united/united-quest","lastUpdated":"2026-10-31","history":[70000,70000,70000,70000,70000,80000,80000,100000,100000,100000,70000,70000,70000,70000,70000,70000,80000,100000,70000,70000,70000,70000,70000,90000],"historySeries":[70000,70000,70000,70000,70000,80000,80000,100000,100000,100000,70000,70000,70000,70000,70000,70000,80000,100000,70000,70000,70000,70000,70000,90000],"loungeAccess":false,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"primary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":120,"globalEntryCreditNote":"Up to $120 for Global Entry, TSA PreCheck or NEXUS, every 4 years","freeNightCert":null,"offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":61,"name":"World of Hyatt","issuer":"Chase","program":"Hyatt Points","cardType":"Hotel","bonusRaw":60000,"bonusDisplay":"60,000 Points","currency":"Points","estimatedValue":1080,"annualFee":95,"feeWaived":"No","minSpend":15000,"minSpendMonths":6,"creditScore":"Good–Excellent","timingStatus":"average","timingNote":"Consistent offer. 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Steady offer.","allTimeHigh":90000,"allTimeLow":60000,"offer_url":"https://www.citi.com/credit-cards/citi-aadvantage-globe-mastercard","lastUpdated":"2026-07-05","history":[90000,90000,90000,90000,90000,60000,60000,90000,90000,60000,60000,60000,60000],"historySeries":[null,null,null,null,null,null,null,null,null,null,null,90000,90000,90000,90000,90000,60000,60000,90000,90000,60000,60000,60000,60000],"loungeAccess":true,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":"Limited","loungeAccessNote":"4 Admirals Club passes per calendar year","globalEntryCredit":120,"globalEntryCreditNote":"Up to $120 for Global Entry or TSA PreCheck, every 4 years","freeNightCert":null,"offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":64,"name":"AAdvantage MileUp","issuer":"Citi","program":"American Airlines AAdvantage","cardType":"Airline","bonusRaw":15000,"bonusDisplay":"15,000 Miles","currency":"Miles","estimatedValue":310,"annualFee":0,"feeWaived":"No AF","minSpend":500,"minSpendMonths":3,"creditScore":"Good","timingStatus":"average","timingNote":"Entry-level AA card. 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Occasionally hits 30k.","allTimeHigh":20000,"allTimeLow":20000,"offer_url":"https://creditcards.wellsfargo.com/autograph-visa-credit-card/","lastUpdated":null,"history":[20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000],"historySeries":[20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000,20000],"loungeAccess":false,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":null,"globalEntryCreditNote":null,"freeNightCert":null,"offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":75,"name":"Autograph Journey","issuer":"Wells Fargo","program":"Wells Fargo Rewards","cardType":"Travel","bonusRaw":60000,"bonusDisplay":"60,000 Points","currency":"Points","estimatedValue":960,"annualFee":95,"feeWaived":"No","minSpend":4000,"minSpendMonths":3,"creditScore":"Good–Excellent","timingStatus":"average","timingNote":"Launched at this level. Solid offer.","allTimeHigh":60000,"allTimeLow":60000,"offer_url":"https://creditcards.wellsfargo.com/autograph-journey-visa-credit-card/","lastUpdated":null,"history":[60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000],"historySeries":[60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000,60000],"loungeAccess":false,"noForeignFee":true,"rentalCarInsurance":true,"rentalInsuranceType":"secondary","loungeAccessType":null,"loungeAccessNote":null,"globalEntryCredit":null,"globalEntryCreditNote":null,"freeNightCert":null,"offerIsMax":false,"bonusExtra":null,"bonusExtraValue":null},{"id":76,"name":"Choice Privileges","issuer":"Wells Fargo","program":"Choice Privileges","cardType":"Hotel","bonusRaw":40000,"bonusDisplay":"40,000 Points","currency":"Points","estimatedValue":320,"annualFee":0,"feeWaived":"No AF","minSpend":1000,"minSpendMonths":3,"creditScore":"Good","timingStatus":"low","timingNote":"At historic high. 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