{
  "cards": {
    "american_express_platinum": {
      "name": "American Express Platinum",
      "issuer": "amex",
      "card_type": "charge",
      "annual_fee": 895.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 175000.0,
        "currency": "MR",
        "spend_requirement": 12000.0,
        "timeframe_months": 6,
        "additional_tiers": null
      },
      "point_system": "MR",
      "is_transferable": true,
      "earning_rates": [
        {
          "category": "flights_direct",
          "rate": 5.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "hotels_amex_travel",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "hotels_direct",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "car_rentals_portal",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "airline_fee_credit",
          "annual_value": 200.0,
          "usability": "conditional",
          "usability_key": "uses_airline_incidentals",
          "description": "$200 airline fee credit (incidental fees only)"
        },
        {
          "name": "uber_cash",
          "annual_value": 200.0,
          "usability": "conditional",
          "usability_key": "uses_uber",
          "description": "$200 Uber Cash ($15/mo + $20 in December)"
        },
        {
          "name": "uber_one",
          "annual_value": 120.0,
          "usability": "conditional",
          "usability_key": "uses_uber",
          "description": "$120 Uber One membership credit"
        },
        {
          "name": "entertainment_credit",
          "annual_value": 300.0,
          "usability": "conditional",
          "usability_key": "uses_streaming",
          "description": "$300 digital entertainment credit ($25/mo)"
        },
        {
          "name": "hotel_credit",
          "annual_value": 600.0,
          "usability": "conditional",
          "usability_key": "uses_amex_travel",
          "description": "$600 hotel credit (Fine Hotels + Resorts / Hotel Collection)"
        },
        {
          "name": "resy_credit",
          "annual_value": 400.0,
          "usability": "conditional",
          "usability_key": "uses_resy_restaurants",
          "description": "$400 Resy dining credit ($100/quarter)"
        },
        {
          "name": "equinox_credit",
          "annual_value": 300.0,
          "usability": "conditional",
          "usability_key": "uses_equinox",
          "description": "$300 Equinox credit"
        },
        {
          "name": "lululemon_credit",
          "annual_value": 300.0,
          "usability": "conditional",
          "usability_key": "uses_lululemon",
          "description": "$300 lululemon credit ($75/quarter)"
        },
        {
          "name": "oura_credit",
          "annual_value": 200.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "$200 Oura Ring credit"
        },
        {
          "name": "clear_credit",
          "annual_value": 209.0,
          "usability": "conditional",
          "usability_key": "uses_clear",
          "description": "$209 CLEAR Plus credit"
        },
        {
          "name": "delta_sky_club_access_10_visits_yr_unl",
          "annual_value": 75.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "Delta Sky Club access (10 visits/yr; unlimited with $75K annual spend)"
        },
        {
          "name": "global_entry_credit",
          "annual_value": 30.0,
          "usability": "conditional",
          "usability_key": "has_global_entry",
          "description": "$120 Global Entry/TSA PreCheck credit (every 4 years)"
        }
      ],
      "perks": [
        {
          "name": "lounge_access",
          "per_use_value": 30,
          "usage_key": "lounge_visits_per_year",
          "annual_cap": null,
          "description": "Global Lounge Collection access"
        }
      ],
      "notes": ""
    },
    "american_express_gold": {
      "name": "American Express Gold",
      "issuer": "amex",
      "card_type": "charge",
      "annual_fee": 325.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 100000.0,
        "currency": "MR",
        "spend_requirement": 6000.0,
        "timeframe_months": 6,
        "additional_tiers": null
      },
      "point_system": "MR",
      "is_transferable": true,
      "earning_rates": [
        {
          "category": "dining",
          "rate": 4.0,
          "annual_cap_usd": 50000.0,
          "rate_after_cap": null
        },
        {
          "category": "groceries",
          "rate": 4.0,
          "annual_cap_usd": 25000.0,
          "rate_after_cap": null
        },
        {
          "category": "flights_direct",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "hotels_amex_travel",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "hotels_direct",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "car_rentals_portal",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "uber_cash",
          "annual_value": 120.0,
          "usability": "conditional",
          "usability_key": "uses_uber",
          "description": "$120 Uber Cash ($10/mo)"
        },
        {
          "name": "dining_credit",
          "annual_value": 120.0,
          "usability": "conditional",
          "usability_key": "uses_resy_restaurants",
          "description": "$120 dining credit ($10/mo at Grubhub, Cheesecake Factory, Goldbelly, Wine.com, Five Guys)"
        },
        {
          "name": "resy_credit",
          "annual_value": 100.0,
          "usability": "conditional",
          "usability_key": "uses_resy_restaurants",
          "description": "$100 Resy credit ($50 semi-annually)"
        },
        {
          "name": "dunkin_credit",
          "annual_value": 84.0,
          "usability": "conditional",
          "usability_key": "uses_dunkin",
          "description": "$84 Dunkin' credit ($7/mo)"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "amex_green": {
      "name": "Amex Green",
      "issuer": "amex",
      "card_type": "charge",
      "annual_fee": 150.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 40000.0,
        "currency": "MR",
        "spend_requirement": 3000.0,
        "timeframe_months": 6,
        "additional_tiers": null
      },
      "point_system": "MR",
      "is_transferable": true,
      "earning_rates": [
        {
          "category": "dining",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "hotels_direct",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "car_rentals_portal",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "transit",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "clear_credit",
          "annual_value": 209.0,
          "usability": "conditional",
          "usability_key": "uses_clear",
          "description": "$209 CLEAR Plus membership credit"
        },
        {
          "name": "100_loungebuddy_credit_for_airport_loun",
          "annual_value": 100.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "$100 LoungeBuddy credit for airport lounge access"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "amex_blue_business_plus": {
      "name": "Amex Blue Business Plus",
      "issuer": "amex",
      "card_type": "credit",
      "annual_fee": 0.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 15000.0,
        "currency": "MR",
        "spend_requirement": 3000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "MR",
      "is_transferable": true,
      "earning_rates": [
        {
          "category": "everything_else",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [],
      "perks": [],
      "notes": ""
    },
    "amex_blue_cash_preferred": {
      "name": "Amex Blue Cash Preferred",
      "issuer": "amex",
      "card_type": "credit",
      "annual_fee": 0.0,
      "annual_fee_first_year": 0,
      "signup_bonus": {
        "amount": 300.0,
        "currency": "cash",
        "spend_requirement": 3000.0,
        "timeframe_months": 6,
        "additional_tiers": null
      },
      "point_system": "cash",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "groceries",
          "rate": 6.0,
          "annual_cap_usd": 6000.0,
          "rate_after_cap": null
        },
        {
          "category": "streaming",
          "rate": 6.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "transit",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "gas",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "streaming_credit",
          "annual_value": 120.0,
          "usability": "conditional",
          "usability_key": "uses_streaming",
          "description": "Up to $120 Disney streaming credit ($10/mo)"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "amex_blue_business_cash": {
      "name": "Amex Blue Business Cash",
      "issuer": "amex",
      "card_type": "credit",
      "annual_fee": 0.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 250.0,
        "currency": "cash",
        "spend_requirement": 3000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "cash",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "everything_else",
          "rate": 2.0,
          "annual_cap_usd": 50000.0,
          "rate_after_cap": null
        }
      ],
      "credits": [],
      "perks": [],
      "notes": ""
    },
    "amex_business_platinum": {
      "name": "Amex Business Platinum",
      "issuer": "amex",
      "card_type": "charge",
      "annual_fee": 895.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 200000.0,
        "currency": "MR",
        "spend_requirement": 20000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "MR",
      "is_transferable": true,
      "earning_rates": [
        {
          "category": "flights_amex_travel",
          "rate": 5.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "hotels_amex_travel",
          "rate": 5.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "hotels_direct",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "shipping",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "hotel_collection_credit",
          "annual_value": 600.0,
          "usability": "conditional",
          "usability_key": "uses_amex_travel",
          "description": "$600 Fine Hotels & Resorts / Hotel Collection credit ($300 semi-annually)"
        },
        {
          "name": "hotel_credit",
          "annual_value": 200.0,
          "usability": "conditional",
          "usability_key": "uses_hilton_hotels",
          "description": "$200 Hilton hotel credit"
        },
        {
          "name": "clear_credit",
          "annual_value": 209.0,
          "usability": "conditional",
          "usability_key": "uses_clear",
          "description": "$209 CLEAR Plus credit"
        },
        {
          "name": "dell_credit",
          "annual_value": 150.0,
          "usability": "conditional",
          "usability_key": "uses_dell",
          "description": "$150+ Dell Technologies credit"
        },
        {
          "name": "adobe_credit",
          "annual_value": 250.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "$250 Adobe credit (after $600+ spend)"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "amex_business_gold": {
      "name": "Amex Business Gold",
      "issuer": "amex",
      "card_type": "charge",
      "annual_fee": 375.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 100000.0,
        "currency": "MR",
        "spend_requirement": 15000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "MR",
      "is_transferable": true,
      "earning_rates": [
        {
          "category": "dining",
          "rate": 4.0,
          "annual_cap_usd": 75000.0,
          "rate_after_cap": 1.0
        },
        {
          "category": "gas",
          "rate": 4.0,
          "annual_cap_usd": 75000.0,
          "rate_after_cap": 1.0
        },
        {
          "category": "transit",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "advertising",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "shipping",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "flights_amex_travel",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "hotels_amex_travel",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "hotels_direct",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "grubhub_credit",
          "annual_value": 240.0,
          "usability": "conditional",
          "usability_key": "uses_grubhub",
          "description": "$240 FedEx/Grubhub/office supply credit ($20/mo)"
        },
        {
          "name": "walmart_plus_credit",
          "annual_value": 155.0,
          "usability": "conditional",
          "usability_key": "uses_walmart_plus",
          "description": "$155 Walmart+ membership credit (~$12.95/mo)"
        },
        {
          "name": "squarespace_credit",
          "annual_value": 150.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "$150 Squarespace credit"
        },
        {
          "name": "hotel_collection_credit",
          "annual_value": 100.0,
          "usability": "conditional",
          "usability_key": "uses_amex_travel",
          "description": "$100 Hotel Collection on-property credit (2-night min)"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "amex_delta_skymiles_blue": {
      "name": "Amex Delta SkyMiles Blue",
      "issuer": "amex",
      "card_type": "credit",
      "annual_fee": 0.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 10000.0,
        "currency": "Delta_SkyMiles",
        "spend_requirement": 1000.0,
        "timeframe_months": 6,
        "additional_tiers": null
      },
      "point_system": "Delta_SkyMiles",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "everything_else",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [],
      "perks": [],
      "notes": ""
    },
    "amex_delta_skymiles_gold": {
      "name": "Amex Delta SkyMiles Gold",
      "issuer": "amex",
      "card_type": "credit",
      "annual_fee": 0.0,
      "annual_fee_first_year": 0,
      "signup_bonus": {
        "amount": 70000.0,
        "currency": "Delta_SkyMiles",
        "spend_requirement": 3000.0,
        "timeframe_months": 6,
        "additional_tiers": [
          {
            "amount": 20000.0,
            "currency": "Delta_SkyMiles",
            "additional_spend": 2000.0,
            "timeframe_months": 6
          }
        ]
      },
      "point_system": "Delta_SkyMiles",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "everything_else",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "groceries",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "200_delta_flight_credit_after_10_000_c",
          "annual_value": 200.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "$200 Delta flight credit after $10,000 calendar year spend"
        },
        {
          "name": "100_delta_stays_credit_annually",
          "annual_value": 100.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "$100 Delta Stays credit annually"
        }
      ],
      "perks": [
        {
          "name": "free_checked_bag",
          "per_use_value": 35,
          "usage_key": "delta_flights_per_year",
          "annual_cap": null,
          "description": "First checked bag free on Delta flights"
        }
      ],
      "notes": ""
    },
    "amex_delta_skymiles_platinum": {
      "name": "Amex Delta SkyMiles Platinum",
      "issuer": "amex",
      "card_type": "credit",
      "annual_fee": 350.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 80000.0,
        "currency": "Delta_SkyMiles",
        "spend_requirement": 4000.0,
        "timeframe_months": 6,
        "additional_tiers": [
          {
            "amount": 20000.0,
            "currency": "Delta_SkyMiles",
            "additional_spend": 2000.0,
            "timeframe_months": 6
          }
        ]
      },
      "point_system": "Delta_SkyMiles",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "everything_else",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "hotels_direct",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "groceries",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "companion_certificate",
          "annual_value": 200,
          "usability": "conditional",
          "usability_key": "delta_flights_per_year",
          "description": "Domestic round-trip companion certificate (upon renewal)"
        },
        {
          "name": "uber_one",
          "annual_value": 9.0,
          "usability": "conditional",
          "usability_key": "uses_uber",
          "description": "Uber One membership credit (~$9.99/mo)"
        }
      ],
      "perks": [
        {
          "name": "free_checked_bag",
          "per_use_value": 35,
          "usage_key": "delta_flights_per_year",
          "annual_cap": null,
          "description": "First checked bag free on Delta flights"
        }
      ],
      "notes": ""
    },
    "amex_delta_skymiles_reserve": {
      "name": "Amex Delta SkyMiles Reserve",
      "issuer": "amex",
      "card_type": "credit",
      "annual_fee": 650.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 100000.0,
        "currency": "Delta_SkyMiles",
        "spend_requirement": 6000.0,
        "timeframe_months": 6,
        "additional_tiers": [
          {
            "amount": 25000.0,
            "currency": "Delta_SkyMiles",
            "additional_spend": 3000.0,
            "timeframe_months": 6
          }
        ]
      },
      "point_system": "Delta_SkyMiles",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "everything_else",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "15_delta_sky_club_visits_yr_unlimited_w",
          "annual_value": 75.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "15 Delta Sky Club visits/yr (unlimited with $75K annual spend)"
        },
        {
          "name": "companion_certificate",
          "annual_value": 200,
          "usability": "conditional",
          "usability_key": "delta_flights_per_year",
          "description": "Companion certificate (domestic/Caribbean/Central America; First, Comfort+, or Main)"
        },
        {
          "name": "uber_one",
          "annual_value": 9.0,
          "usability": "conditional",
          "usability_key": "uses_uber",
          "description": "Uber One membership credit (~$9.99/mo)"
        }
      ],
      "perks": [
        {
          "name": "lounge_access",
          "per_use_value": 30,
          "usage_key": "lounge_visits_per_year",
          "annual_cap": null,
          "description": "Centurion Lounge access when flying Delta"
        },
        {
          "name": "free_checked_bag",
          "per_use_value": 35,
          "usage_key": "delta_flights_per_year",
          "annual_cap": null,
          "description": "First checked bag free"
        }
      ],
      "notes": ""
    },
    "amex_delta_skymiles_business_gold": {
      "name": "Amex Delta SkyMiles Business Gold",
      "issuer": "amex",
      "card_type": "credit",
      "annual_fee": 150.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 90000.0,
        "currency": "Delta_SkyMiles",
        "spend_requirement": 6000.0,
        "timeframe_months": 6,
        "additional_tiers": null
      },
      "point_system": "Delta_SkyMiles",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "everything_else",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "shipping",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "advertising",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [],
      "perks": [
        {
          "name": "free_checked_bag",
          "per_use_value": 35,
          "usage_key": "delta_flights_per_year",
          "annual_cap": null,
          "description": "First checked bag free (cardholder + up to 8 companions)"
        }
      ],
      "notes": ""
    },
    "amex_delta_skymiles_business_platinum": {
      "name": "Amex Delta SkyMiles Business Platinum",
      "issuer": "amex",
      "card_type": "credit",
      "annual_fee": 350.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 100000.0,
        "currency": "Delta_SkyMiles",
        "spend_requirement": 8000.0,
        "timeframe_months": 6,
        "additional_tiers": null
      },
      "point_system": "Delta_SkyMiles",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "everything_else",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "hotels_direct",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "transit",
          "rate": 1.5,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "shipping",
          "rate": 1.5,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "companion_certificate",
          "annual_value": 200,
          "usability": "conditional",
          "usability_key": "delta_flights_per_year",
          "description": "Domestic round-trip companion certificate (upon renewal)"
        },
        {
          "name": "uber_one",
          "annual_value": 9.0,
          "usability": "conditional",
          "usability_key": "uses_uber",
          "description": "Uber One membership credit (~$9.99/mo)"
        }
      ],
      "perks": [
        {
          "name": "free_checked_bag",
          "per_use_value": 35,
          "usage_key": "delta_flights_per_year",
          "annual_cap": null,
          "description": "First checked bag free"
        }
      ],
      "notes": ""
    },
    "amex_delta_skymiles_business_reserve": {
      "name": "Amex Delta SkyMiles Business Reserve",
      "issuer": "amex",
      "card_type": "credit",
      "annual_fee": 650.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 100000.0,
        "currency": "Delta_SkyMiles",
        "spend_requirement": 8000.0,
        "timeframe_months": 6,
        "additional_tiers": null
      },
      "point_system": "Delta_SkyMiles",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "everything_else",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "transit",
          "rate": 1.5,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "shipping",
          "rate": 1.5,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "companion_certificate",
          "annual_value": 200,
          "usability": "conditional",
          "usability_key": "delta_flights_per_year",
          "description": "Companion certificate (domestic/Caribbean/Central America; Main cabin)"
        },
        {
          "name": "uber_one",
          "annual_value": 9.0,
          "usability": "conditional",
          "usability_key": "uses_uber",
          "description": "Uber One membership credit (~$9.99/mo)"
        }
      ],
      "perks": [
        {
          "name": "lounge_access",
          "per_use_value": 30,
          "usage_key": "lounge_visits_per_year",
          "annual_cap": null,
          "description": "Delta Sky Club and Centurion Lounge access when flying Delta"
        },
        {
          "name": "free_checked_bag",
          "per_use_value": 35,
          "usage_key": "delta_flights_per_year",
          "annual_cap": null,
          "description": "First checked bag free"
        }
      ],
      "notes": ""
    },
    "amex_hilton_honors": {
      "name": "Amex Hilton Honors",
      "issuer": "amex",
      "card_type": "credit",
      "annual_fee": 0.0,
      "annual_fee_first_year": null,
      "signup_bonus": null,
      "point_system": "Hilton_Honors",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "everything_else",
          "rate": 7.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 5.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "groceries",
          "rate": 5.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "gas",
          "rate": 5.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [],
      "perks": [],
      "notes": ""
    },
    "amex_hilton_honors_surpass": {
      "name": "Amex Hilton Honors Surpass",
      "issuer": "amex",
      "card_type": "credit",
      "annual_fee": 150.0,
      "annual_fee_first_year": null,
      "signup_bonus": null,
      "point_system": "Hilton_Honors",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "everything_else",
          "rate": 12.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 6.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "groceries",
          "rate": 6.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "gas",
          "rate": 6.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "online_shopping",
          "rate": 4.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "hilton_credit",
          "annual_value": 200.0,
          "usability": "conditional",
          "usability_key": "uses_hilton_hotels",
          "description": "$200 Hilton property credits ($50/quarter)"
        },
        {
          "name": "free_night_award",
          "annual_value": 15000.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "Free Night Reward after $15,000 annual spend"
        },
        {
          "name": "diamond_status_after_40_000_annual_spen",
          "annual_value": 40000.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "Diamond status after $40,000 annual spend"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "amex_hilton_honors_aspire": {
      "name": "Amex Hilton Honors Aspire",
      "issuer": "amex",
      "card_type": "credit",
      "annual_fee": 550.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 175000.0,
        "currency": "Hilton_Honors",
        "spend_requirement": 6000.0,
        "timeframe_months": 6,
        "additional_tiers": null
      },
      "point_system": "Hilton_Honors",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "everything_else",
          "rate": 14.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "flights_direct",
          "rate": 7.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "car_rentals_portal",
          "rate": 7.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 7.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "hilton_credit",
          "annual_value": 400.0,
          "usability": "conditional",
          "usability_key": "uses_hilton_hotels",
          "description": "$400 Hilton resort credit ($200 semi-annually)"
        },
        {
          "name": "airline_credit",
          "annual_value": 200.0,
          "usability": "conditional",
          "usability_key": "uses_airline_incidentals",
          "description": "$200 airline credit ($50/quarter)"
        },
        {
          "name": "clear_credit",
          "annual_value": 209.0,
          "usability": "conditional",
          "usability_key": "uses_clear",
          "description": "$209 CLEAR Plus credit"
        },
        {
          "name": "free_night_award",
          "annual_value": 30000.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "Additional Free Night after $30,000 annual spend"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "amex_hilton_honors_business": {
      "name": "Amex Hilton Honors Business",
      "issuer": "amex",
      "card_type": "credit",
      "annual_fee": 195.0,
      "annual_fee_first_year": null,
      "signup_bonus": null,
      "point_system": "Hilton_Honors",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "everything_else",
          "rate": 12.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "hilton_credit",
          "annual_value": 240.0,
          "usability": "conditional",
          "usability_key": "uses_hilton_hotels",
          "description": "$240 Hilton property credits ($60/quarter)"
        },
        {
          "name": "diamond_status_after_40_000_annual_spen",
          "annual_value": 40000.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "Diamond status after $40,000 annual spend"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "amex_marriott_bonvoy_bevy": {
      "name": "Amex Marriott Bonvoy Bevy",
      "issuer": "amex",
      "card_type": "credit",
      "annual_fee": 250.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 85000.0,
        "currency": "Marriott_Bonvoy",
        "spend_requirement": 5000.0,
        "timeframe_months": 6,
        "additional_tiers": null
      },
      "point_system": "Marriott_Bonvoy",
      "is_transferable": true,
      "earning_rates": [
        {
          "category": "hotels_direct",
          "rate": 6.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 4.0,
          "annual_cap_usd": 15000.0,
          "rate_after_cap": null
        },
        {
          "category": "groceries",
          "rate": 4.0,
          "annual_cap_usd": 15000.0,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "free_night_award",
          "annual_value": 15000.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "Free Night Award (up to 50,000 pts) after $15,000 annual spend"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "amex_marriott_bonvoy_brilliant": {
      "name": "Amex Marriott Bonvoy Brilliant",
      "issuer": "amex",
      "card_type": "credit",
      "annual_fee": 650.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 100000.0,
        "currency": "Marriott_Bonvoy",
        "spend_requirement": 6000.0,
        "timeframe_months": 6,
        "additional_tiers": null
      },
      "point_system": "Marriott_Bonvoy",
      "is_transferable": true,
      "earning_rates": [
        {
          "category": "hotels_direct",
          "rate": 6.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "dining_credit",
          "annual_value": 300.0,
          "usability": "conditional",
          "usability_key": "uses_resy_restaurants",
          "description": "$300 dining credit ($25/mo)"
        },
        {
          "name": "100_ritz_carlton_st_regis_property_cre",
          "annual_value": 100.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "$100 Ritz-Carlton/St. Regis property credit (2-night min)"
        },
        {
          "name": "earned_choice_award_50_000_pts_after",
          "annual_value": 60000.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "Earned Choice Award (50,000 pts) after $60,000 annual spend"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "amex_marriott_bonvoy_business": {
      "name": "Amex Marriott Bonvoy Business",
      "issuer": "amex",
      "card_type": "credit",
      "annual_fee": 125.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 75000.0,
        "currency": "Marriott_Bonvoy",
        "spend_requirement": 6000.0,
        "timeframe_months": 6,
        "additional_tiers": [
          {
            "amount": 50000.0,
            "currency": "Marriott_Bonvoy",
            "additional_spend": 3000.0,
            "timeframe_months": 6
          }
        ]
      },
      "point_system": "Marriott_Bonvoy",
      "is_transferable": true,
      "earning_rates": [
        {
          "category": "hotels_direct",
          "rate": 6.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 4.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "gas",
          "rate": 4.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "shipping",
          "rate": 4.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "telecom",
          "rate": 4.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "free_night_award",
          "annual_value": 60000.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "Additional Free Night after $60,000 annual spend"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "chase_sapphire_preferred": {
      "name": "Chase Sapphire Preferred",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 95.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 75000.0,
        "currency": "UR",
        "spend_requirement": 5000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "UR",
      "is_transferable": true,
      "earning_rates": [
        {
          "category": "flights_chase_travel",
          "rate": 5.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "streaming",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "groceries",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "travel",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "hotel_credit",
          "annual_value": 50.0,
          "usability": "conditional",
          "usability_key": "uses_chase_travel",
          "description": "$50 Chase Travel hotel credit"
        },
        {
          "name": "doordash_credit",
          "annual_value": 10.0,
          "usability": "conditional",
          "usability_key": "uses_doordash",
          "description": "$10/mo off DoorDash non-restaurant orders"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "chase_sapphire_reserve": {
      "name": "Chase Sapphire Reserve",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 550.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 125000.0,
        "currency": "UR",
        "spend_requirement": 6000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "UR",
      "is_transferable": true,
      "earning_rates": [
        {
          "category": "flights_chase_travel",
          "rate": 8.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "hotels_direct",
          "rate": 4.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "travel_credit",
          "annual_value": 300.0,
          "usability": "automatic",
          "usability_key": null,
          "description": "$300 travel credit (automatic on travel purchases)"
        },
        {
          "name": "edit_hotel_credit",
          "annual_value": 500.0,
          "usability": "conditional",
          "usability_key": "uses_chase_travel",
          "description": "$500 credit for stays with The Edit by Chase Travel (2-night min; $250 semi-annually)"
        },
        {
          "name": "dining_credit",
          "annual_value": 300.0,
          "usability": "conditional",
          "usability_key": "uses_resy_restaurants",
          "description": "$300 dining credit at select restaurants ($150 semi-annually)"
        },
        {
          "name": "global_entry_credit",
          "annual_value": 30.0,
          "usability": "conditional",
          "usability_key": "has_global_entry",
          "description": "$120 Global Entry/TSA PreCheck credit (every 4 years)"
        },
        {
          "name": "doordash_credit",
          "annual_value": 10.0,
          "usability": "conditional",
          "usability_key": "uses_doordash",
          "description": "$10/mo off DoorDash non-restaurant orders"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "chase_freedom_unlimited": {
      "name": "Chase Freedom Unlimited",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 0.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 200.0,
        "currency": "cash",
        "spend_requirement": 500.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "UR",
      "is_transferable": true,
      "earning_rates": [
        {
          "category": "flights_chase_travel",
          "rate": 5.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "drugstores",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 1.5,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "doordash_credit",
          "annual_value": 10.0,
          "usability": "conditional",
          "usability_key": "uses_doordash",
          "description": "$10/quarter off DoorDash non-restaurant orders"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "chase_freedom_flex": {
      "name": "Chase Freedom Flex",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 0.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 200.0,
        "currency": "cash",
        "spend_requirement": 500.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "UR",
      "is_transferable": true,
      "earning_rates": [
        {
          "category": "everything_else",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "flights_chase_travel",
          "rate": 5.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "drugstores",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "doordash_credit",
          "annual_value": 10.0,
          "usability": "conditional",
          "usability_key": "uses_doordash",
          "description": "$10/quarter off DoorDash non-restaurant orders"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "chase_ink_business_preferred": {
      "name": "Chase Ink Business Preferred",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 95.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 100000.0,
        "currency": "UR",
        "spend_requirement": 8000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "UR",
      "is_transferable": true,
      "earning_rates": [
        {
          "category": "advertising",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "shipping",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "telecom",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "travel",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "doordash_credit",
          "annual_value": 10.0,
          "usability": "conditional",
          "usability_key": "uses_doordash",
          "description": "$10/mo off DoorDash non-restaurant orders"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "chase_ink_business_unlimited": {
      "name": "Chase Ink Business Unlimited",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 0.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 750.0,
        "currency": "cash",
        "spend_requirement": 6000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "UR",
      "is_transferable": true,
      "earning_rates": [
        {
          "category": "everything_else",
          "rate": 1.5,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [],
      "perks": [],
      "notes": ""
    },
    "chase_ink_business_premier": {
      "name": "Chase Ink Business Premier",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 195.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 1000.0,
        "currency": "cash",
        "spend_requirement": 10000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "UR",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "everything_else",
          "rate": 2.5,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [],
      "perks": [],
      "notes": ""
    },
    "chase_business_sapphire_reserve": {
      "name": "Chase Business Sapphire Reserve",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 550.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 150000.0,
        "currency": "UR",
        "spend_requirement": 20000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "UR",
      "is_transferable": true,
      "earning_rates": [
        {
          "category": "flights_chase_travel",
          "rate": 10.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 4.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "travel",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "travel_credit",
          "annual_value": 300.0,
          "usability": "automatic",
          "usability_key": null,
          "description": "$300 travel credit (automatic on travel purchases)"
        },
        {
          "name": "100_chase_travel_statement_credit_50",
          "annual_value": 100.0,
          "usability": "conditional",
          "usability_key": "uses_chase_travel",
          "description": "$100 Chase Travel statement credit ($50 semi-annually on 2-night hotel stays)"
        },
        {
          "name": "global_entry_credit",
          "annual_value": 30.0,
          "usability": "conditional",
          "usability_key": "has_global_entry",
          "description": "$120 Global Entry/TSA PreCheck credit (every 4 years)"
        },
        {
          "name": "doordash_credit",
          "annual_value": 10.0,
          "usability": "conditional",
          "usability_key": "uses_doordash",
          "description": "$10/quarter off DoorDash non-restaurant orders"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "chase_united_explorer": {
      "name": "Chase United Explorer",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 95.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 70000.0,
        "currency": "United_MileagePlus",
        "spend_requirement": 3000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "United_MileagePlus",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "hotels_direct",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "100_united_hotels_credit_50_stay_2_m",
          "annual_value": 100.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "$100 United Hotels credit ($50/stay, 2 max)"
        },
        {
          "name": "travelbank_credit",
          "annual_value": 100.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "$100 United TravelBank credit after $10,000 annual spend"
        },
        {
          "name": "rideshare_credit",
          "annual_value": 60.0,
          "usability": "conditional",
          "usability_key": "uses_rideshare",
          "description": "$60 rideshare credit ($5/mo)"
        },
        {
          "name": "instacart_credit",
          "annual_value": 120.0,
          "usability": "conditional",
          "usability_key": "uses_instacart",
          "description": "$120 Instacart credit ($10/mo)"
        },
        {
          "name": "global_entry_credit",
          "annual_value": 30.0,
          "usability": "conditional",
          "usability_key": "has_global_entry",
          "description": "$120 Global Entry/TSA PreCheck credit (every 4 years)"
        }
      ],
      "perks": [
        {
          "name": "free_checked_bag",
          "per_use_value": 35,
          "usage_key": "united_flights_per_year",
          "annual_cap": null,
          "description": "Free first checked bag (cardholder + 1 companion)"
        }
      ],
      "notes": ""
    },
    "chase_united_quest": {
      "name": "Chase United Quest",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 250.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 80000.0,
        "currency": "United_MileagePlus",
        "spend_requirement": 4000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "United_MileagePlus",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "hotels_chase_travel",
          "rate": 5.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "hotels_direct",
          "rate": 5.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "streaming",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "travel",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "travelbank_credit",
          "annual_value": 200.0,
          "usability": "automatic",
          "usability_key": null,
          "description": "$200 United TravelBank credit on anniversary"
        },
        {
          "name": "companion_certificate",
          "annual_value": 200,
          "usability": "conditional",
          "usability_key": "united_flights_per_year",
          "description": "Free first and second checked bags (cardholder + 1 companion)"
        },
        {
          "name": "renowned_hotels_credit",
          "annual_value": 150.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "$150 Renowned Hotels credit"
        },
        {
          "name": "rideshare_credit",
          "annual_value": 100.0,
          "usability": "conditional",
          "usability_key": "uses_rideshare",
          "description": "$100 rideshare credit ($8/mo)"
        },
        {
          "name": "instacart_credit",
          "annual_value": 180.0,
          "usability": "conditional",
          "usability_key": "uses_instacart",
          "description": "$180 Instacart credit"
        },
        {
          "name": "global_entry_credit",
          "annual_value": 30.0,
          "usability": "conditional",
          "usability_key": "has_global_entry",
          "description": "$120 Global Entry/TSA PreCheck credit (every 4 years)"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "chase_united_gateway": {
      "name": "Chase United Gateway",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 0.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 30000.0,
        "currency": "United_MileagePlus",
        "spend_requirement": 1000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "United_MileagePlus",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "gas",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "transit",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [],
      "perks": [],
      "notes": ""
    },
    "chase_united_club": {
      "name": "Chase United Club",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 525.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 90000.0,
        "currency": "United_MileagePlus",
        "spend_requirement": 5000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "United_MileagePlus",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "hotels_chase_travel",
          "rate": 5.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "hotels_direct",
          "rate": 5.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 4.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "travel",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "united_club_membership_all_access_after",
          "annual_value": 50.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "United Club membership (All Access after $50K spend or Premier Gold)"
        },
        {
          "name": "companion_certificate",
          "annual_value": 200,
          "usability": "conditional",
          "usability_key": "united_flights_per_year",
          "description": "Free first and second checked bags (cardholder + 1 companion)"
        },
        {
          "name": "renowned_hotels_credit",
          "annual_value": 200.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "$200 Renowned Hotels credit"
        },
        {
          "name": "rideshare_credit",
          "annual_value": 150.0,
          "usability": "conditional",
          "usability_key": "uses_rideshare",
          "description": "$150 rideshare credit ($12/mo)"
        },
        {
          "name": "instacart_credit",
          "annual_value": 240.0,
          "usability": "conditional",
          "usability_key": "uses_instacart",
          "description": "$240 Instacart credit"
        },
        {
          "name": "global_entry_credit",
          "annual_value": 30.0,
          "usability": "conditional",
          "usability_key": "has_global_entry",
          "description": "$120 Global Entry/TSA PreCheck credit (every 4 years)"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "chase_united_business": {
      "name": "Chase United Business",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 99.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 100000.0,
        "currency": "United_MileagePlus",
        "spend_requirement": 5000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "United_MileagePlus",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "dining",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "gas",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "transit",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "office_supply",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "100_united_hotels_credit",
          "annual_value": 100.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "$100 United Hotels credit"
        },
        {
          "name": "travelbank_credit",
          "annual_value": 125.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "$125 United TravelBank credit (after 5 purchases of $100+)"
        },
        {
          "name": "rideshare_credit",
          "annual_value": 100.0,
          "usability": "conditional",
          "usability_key": "uses_rideshare",
          "description": "$100 rideshare credit ($8/mo)"
        },
        {
          "name": "instacart_credit",
          "annual_value": 120.0,
          "usability": "conditional",
          "usability_key": "uses_instacart",
          "description": "$120 Instacart credit ($10/mo)"
        }
      ],
      "perks": [
        {
          "name": "free_checked_bag",
          "per_use_value": 35,
          "usage_key": "united_flights_per_year",
          "annual_cap": null,
          "description": "Free first checked bag (cardholder + 1 companion)"
        }
      ],
      "notes": ""
    },
    "chase_united_club_business": {
      "name": "Chase United Club Business",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 525.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 100000.0,
        "currency": "United_MileagePlus",
        "spend_requirement": 5000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "United_MileagePlus",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "hotels_chase_travel",
          "rate": 5.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "hotels_direct",
          "rate": 5.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 4.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "travel",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "united_club_membership_all_access_after",
          "annual_value": 50.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "United Club membership (All Access after $50K spend or Premier Gold)"
        },
        {
          "name": "companion_certificate",
          "annual_value": 200,
          "usability": "conditional",
          "usability_key": "united_flights_per_year",
          "description": "Free first and second checked bags (cardholder + 1 companion)"
        },
        {
          "name": "renowned_hotels_credit",
          "annual_value": 200.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "$200 Renowned Hotels credit"
        },
        {
          "name": "rideshare_credit",
          "annual_value": 200.0,
          "usability": "conditional",
          "usability_key": "uses_rideshare",
          "description": "$200 rideshare credit ($16/mo)"
        },
        {
          "name": "instacart_credit",
          "annual_value": 240.0,
          "usability": "conditional",
          "usability_key": "uses_instacart",
          "description": "$240 Instacart credit"
        },
        {
          "name": "global_entry_credit",
          "annual_value": 30.0,
          "usability": "conditional",
          "usability_key": "has_global_entry",
          "description": "$120 Global Entry/TSA PreCheck credit (every 4 years)"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "chase_marriott_bonvoy_boundless": {
      "name": "Chase Marriott Bonvoy Boundless",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 95.0,
      "annual_fee_first_year": null,
      "signup_bonus": null,
      "point_system": "Marriott_Bonvoy",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "hotels_direct",
          "rate": 6.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 3.0,
          "annual_cap_usd": 6000.0,
          "rate_after_cap": null
        },
        {
          "category": "groceries",
          "rate": 3.0,
          "annual_cap_usd": 6000.0,
          "rate_after_cap": null
        },
        {
          "category": "gas",
          "rate": 3.0,
          "annual_cap_usd": 6000.0,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "airline_credit",
          "annual_value": 100.0,
          "usability": "conditional",
          "usability_key": "uses_airline_incidentals",
          "description": "Up to $100 airline credit ($50/half-year after $250 airline spend)"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "chase_marriott_bonvoy_bountiful": {
      "name": "Chase Marriott Bonvoy Bountiful",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 250.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 85000.0,
        "currency": "Marriott_Bonvoy",
        "spend_requirement": 4000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "Marriott_Bonvoy",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "hotels_direct",
          "rate": 6.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 3.0,
          "annual_cap_usd": 6000.0,
          "rate_after_cap": null
        },
        {
          "category": "groceries",
          "rate": 3.0,
          "annual_cap_usd": 6000.0,
          "rate_after_cap": null
        },
        {
          "category": "gas",
          "rate": 3.0,
          "annual_cap_usd": 6000.0,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "airline_credit",
          "annual_value": 150.0,
          "usability": "conditional",
          "usability_key": "uses_airline_incidentals",
          "description": "Up to $150 airline credit/year"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "chase_marriott_bonvoy_bold": {
      "name": "Chase Marriott Bonvoy Bold",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 0.0,
      "annual_fee_first_year": null,
      "signup_bonus": null,
      "point_system": "Marriott_Bonvoy",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "hotels_direct",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "groceries",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "streaming",
          "rate": 2.0,
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          "rate_after_cap": null
        },
        {
          "category": "transit",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "telecom",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [],
      "perks": [],
      "notes": ""
    },
    "chase_southwest_rapid_rewards_plus": {
      "name": "Chase Southwest Rapid Rewards Plus",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 69.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 0,
        "currency": "SW_Rapid_Rewards",
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        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "SW_Rapid_Rewards",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "everything_else",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 1.0,
          "annual_cap_usd": 6000.0,
          "rate_after_cap": null
        },
        {
          "category": "gas",
          "rate": 1.0,
          "annual_cap_usd": 6000.0,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "companion_certificate",
          "annual_value": 200,
          "usability": "conditional",
          "usability_key": "southwest_flights_per_year",
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        }
      ],
      "perks": [
        {
          "name": "free_checked_bag",
          "per_use_value": 35,
          "usage_key": "southwest_flights_per_year",
          "annual_cap": null,
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        }
      ],
      "notes": ""
    },
    "chase_southwest_rapid_rewards_priority": {
      "name": "Chase Southwest Rapid Rewards Priority",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 149.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 0,
        "currency": "SW_Rapid_Rewards",
        "spend_requirement": 4000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "SW_Rapid_Rewards",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "everything_else",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 2.0,
          "annual_cap_usd": 8000.0,
          "rate_after_cap": null
        },
        {
          "category": "gas",
          "rate": 2.0,
          "annual_cap_usd": 8000.0,
          "rate_after_cap": null
        },
        {
          "category": "transit",
          "rate": 2.0,
          "annual_cap_usd": 8000.0,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "travel_credit",
          "annual_value": 75.0,
          "usability": "automatic",
          "usability_key": null,
          "description": "$75 Southwest travel credit"
        },
        {
          "name": "companion_certificate",
          "annual_value": 200,
          "usability": "conditional",
          "usability_key": "southwest_flights_per_year",
          "description": "10,000 Companion Pass qualifying points/year"
        },
        {
          "name": "global_entry_credit",
          "annual_value": 30.0,
          "usability": "conditional",
          "usability_key": "has_global_entry",
          "description": "$120 Global Entry/TSA PreCheck credit (every 4 years)"
        }
      ],
      "perks": [
        {
          "name": "free_checked_bag",
          "per_use_value": 35,
          "usage_key": "southwest_flights_per_year",
          "annual_cap": null,
          "description": "Free first checked bag (cardholder + up to 8 passengers)"
        }
      ],
      "notes": ""
    },
    "chase_southwest_rapid_rewards_premier": {
      "name": "Chase Southwest Rapid Rewards Premier",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 99.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 0,
        "currency": "SW_Rapid_Rewards",
        "spend_requirement": 4000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "SW_Rapid_Rewards",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "everything_else",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 2.0,
          "annual_cap_usd": 6000.0,
          "rate_after_cap": null
        },
        {
          "category": "gas",
          "rate": 2.0,
          "annual_cap_usd": 6000.0,
          "rate_after_cap": null
        },
        {
          "category": "transit",
          "rate": 2.0,
          "annual_cap_usd": 6000.0,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "companion_certificate",
          "annual_value": 200,
          "usability": "conditional",
          "usability_key": "southwest_flights_per_year",
          "description": "10,000 Companion Pass qualifying points/year"
        }
      ],
      "perks": [
        {
          "name": "free_checked_bag",
          "per_use_value": 35,
          "usage_key": "southwest_flights_per_year",
          "annual_cap": null,
          "description": "Free first checked bag (cardholder + up to 8 passengers)"
        }
      ],
      "notes": ""
    },
    "chase_business_southwest_rapid_rewards_performance": {
      "name": "Chase Business Southwest Rapid Rewards Performance",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 199.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 80000.0,
        "currency": "SW_Rapid_Rewards",
        "spend_requirement": 5000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "SW_Rapid_Rewards",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "everything_else",
          "rate": 4.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "hotels_direct",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "gas",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "transit",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "advertising",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "telecom",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "companion_certificate",
          "annual_value": 200,
          "usability": "conditional",
          "usability_key": "southwest_flights_per_year",
          "description": "10,000 Companion Pass qualifying points/year"
        },
        {
          "name": "global_entry_credit",
          "annual_value": 30.0,
          "usability": "conditional",
          "usability_key": "has_global_entry",
          "description": "$120 Global Entry/TSA PreCheck credit (every 4 years)"
        }
      ],
      "perks": [
        {
          "name": "free_checked_bag",
          "per_use_value": 35,
          "usage_key": "southwest_flights_per_year",
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          "description": "Free first checked bag (cardholder + up to 8 passengers)"
        }
      ],
      "notes": ""
    },
    "chase_business_southwest_rapid_rewards_premier": {
      "name": "Chase Business Southwest Rapid Rewards Premier",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 99.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 60000.0,
        "currency": "SW_Rapid_Rewards",
        "spend_requirement": 3000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "SW_Rapid_Rewards",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "everything_else",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 2.0,
          "annual_cap_usd": 8000.0,
          "rate_after_cap": null
        },
        {
          "category": "gas",
          "rate": 2.0,
          "annual_cap_usd": 8000.0,
          "rate_after_cap": null
        },
        {
          "category": "transit",
          "rate": 2.0,
          "annual_cap_usd": 8000.0,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "companion_certificate",
          "annual_value": 200,
          "usability": "conditional",
          "usability_key": "southwest_flights_per_year",
          "description": "10,000 Companion Pass qualifying points/year"
        }
      ],
      "perks": [
        {
          "name": "free_checked_bag",
          "per_use_value": 35,
          "usage_key": "southwest_flights_per_year",
          "annual_cap": null,
          "description": "Free first checked bag (cardholder + up to 8 passengers)"
        }
      ],
      "notes": ""
    },
    "chase_ihg_one_rewards_premier": {
      "name": "Chase IHG One Rewards Premier",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 99.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 175000.0,
        "currency": "IHG",
        "spend_requirement": 3000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "IHG",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "hotels_direct",
          "rate": 10.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 5.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "gas",
          "rate": 5.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "travel",
          "rate": 5.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "anniversary_bonus",
          "annual_value": 100.0,
          "usability": "automatic",
          "usability_key": null,
          "description": "$100 credit + 10,000 bonus points after $20,000 annual spend"
        },
        {
          "name": "global_entry_credit",
          "annual_value": 30.0,
          "usability": "conditional",
          "usability_key": "has_global_entry",
          "description": "$120 Global Entry/TSA PreCheck credit (every 4 years)"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "chase_ihg_one_rewards_traveler": {
      "name": "Chase IHG One Rewards Traveler",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 0.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 90000.0,
        "currency": "IHG",
        "spend_requirement": 2000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "IHG",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "hotels_direct",
          "rate": 5.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "gas",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "streaming",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "telecom",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "utilities",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [],
      "perks": [],
      "notes": ""
    },
    "chase_business_ihg_one_rewards_premier": {
      "name": "Chase Business IHG One Rewards Premier",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 99.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 140000.0,
        "currency": "IHG",
        "spend_requirement": 4000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "IHG",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "hotels_direct",
          "rate": 10.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 5.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "gas",
          "rate": 5.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "office_supply",
          "rate": 5.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "advertising",
          "rate": 5.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "travel",
          "rate": 5.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "anniversary_bonus",
          "annual_value": 100.0,
          "usability": "automatic",
          "usability_key": null,
          "description": "$100 credit + 10,000 bonus points after $20,000 annual spend"
        },
        {
          "name": "global_entry_credit",
          "annual_value": 30.0,
          "usability": "conditional",
          "usability_key": "has_global_entry",
          "description": "$120 Global Entry/TSA PreCheck credit (every 4 years)"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "chase_world_of_hyatt": {
      "name": "Chase World of Hyatt",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 95.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 30000.0,
        "currency": "Hyatt",
        "spend_requirement": 3000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "Hyatt",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "hotels_direct",
          "rate": 4.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "flights_direct",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "transit",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "free_night_award",
          "annual_value": 15000.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "Additional Free Night after $15,000 annual spend"
        },
        {
          "name": "2_tier_qualifying_nights_per_5_000_spen",
          "annual_value": 5000.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "2 Tier-Qualifying Nights per $5,000 spend (no limit)"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "chase_business_world_of_hyatt": {
      "name": "Chase Business World of Hyatt",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 199.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 60000.0,
        "currency": "Hyatt",
        "spend_requirement": 5000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "Hyatt",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "hotels_direct",
          "rate": 4.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "hyatt_credit",
          "annual_value": 100.0,
          "usability": "conditional",
          "usability_key": "uses_hyatt_hotels",
          "description": "Up to $100 Hyatt credit ($50 per qualifying purchase, 2/year)"
        },
        {
          "name": "5_tier_qualifying_nights_per_10_000_spe",
          "annual_value": 10000.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "5 Tier-Qualifying Nights per $10,000 spend (no limit)"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "chase_aeroplan_card": {
      "name": "Chase Aeroplan Card",
      "issuer": "chase",
      "card_type": "credit",
      "annual_fee": 95.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 60000.0,
        "currency": "Aeroplan",
        "spend_requirement": 3000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "Aeroplan",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "dining",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "groceries",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "maintain_25k_with_15_000_annual_spend",
          "annual_value": 15000.0,
          "usability": "conditional",
          "usability_key": null,
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      "signup_bonus": {
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          "category": "groceries",
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        },
        {
          "category": "streaming",
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        },
        {
          "category": "everything_else",
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          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [],
      "perks": [],
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    },
    "capital_one_venture_x_business": {
      "name": "Capital One Venture X Business",
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      "annual_fee": 395.0,
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      "signup_bonus": {
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        "currency": "Capital_One",
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      },
      "point_system": "Capital_One",
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        },
        {
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      ],
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        {
          "name": "anniversary_bonus",
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          "usability": "automatic",
          "usability_key": null,
          "description": "10,000 bonus miles ($100 toward travel) after first anniversary"
        },
        {
          "name": "global_entry_credit",
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        }
      ],
      "perks": [],
      "notes": ""
    },
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      "name": "Capital One Business Spark 2X Miles",
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        "currency": "Capital_One",
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      },
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          "rate_after_cap": null
        }
      ],
      "credits": [],
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    },
    "capital_one_business_spark_2x_cash": {
      "name": "Capital One Business Spark 2X Cash",
      "issuer": "capital_one",
      "card_type": "credit",
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      "annual_fee_first_year": 0,
      "signup_bonus": {
        "amount": 1000.0,
        "currency": "cash",
        "spend_requirement": 10000.0,
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          "rate_after_cap": null
        }
      ],
      "credits": [],
      "perks": [],
      "notes": ""
    },
    "bilt_blue": {
      "name": "Bilt Blue",
      "issuer": "bilt",
      "card_type": "credit",
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      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 100.0,
        "currency": "cash",
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      },
      "point_system": "Bilt",
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      "earning_rates": [
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          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "rent",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [],
      "perks": [],
      "notes": ""
    },
    "bilt_obsidian": {
      "name": "Bilt Obsidian",
      "issuer": "bilt",
      "card_type": "credit",
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      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 200.0,
        "currency": "cash",
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        "timeframe_months": 0,
        "additional_tiers": null
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      "point_system": "Bilt",
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          "rate_after_cap": null
        },
        {
          "category": "groceries",
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          "annual_cap_usd": null,
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        },
        {
          "category": "travel",
          "rate": 2.0,
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          "rate_after_cap": null
        },
        {
          "category": "everything_else",
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        },
        {
          "category": "rent",
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          "rate_after_cap": null
        }
      ],
      "credits": [
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          "name": "hotel_credit",
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          "usability": "conditional",
          "usability_key": "uses_bilt_travel_portal",
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        }
      ],
      "perks": [],
      "notes": ""
    },
    "bilt_palladium": {
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      "issuer": "bilt",
      "card_type": "credit",
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      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 50000.0,
        "currency": "Bilt",
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        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "Bilt",
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      "earning_rates": [
        {
          "category": "everything_else",
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        },
        {
          "category": "rent",
          "rate": 1.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "hotel_credit",
          "annual_value": 400.0,
          "usability": "conditional",
          "usability_key": "uses_bilt_travel_portal",
          "description": "$400 Bilt travel portal hotel credit ($200 semi-annually, 2-night min)"
        },
        {
          "name": "bilt_cash_credit",
          "annual_value": 200.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "$200 Bilt Cash deposited annually"
        }
      ],
      "perks": [
        {
          "name": "lounge_access",
          "per_use_value": 30,
          "usage_key": "lounge_visits_per_year",
          "annual_cap": null,
          "description": "Priority Pass membership (+ 2 guests)"
        }
      ],
      "notes": ""
    },
    "barclays_jetblue_card": {
      "name": "Barclays JetBlue Card",
      "issuer": "barclays",
      "card_type": "credit",
      "annual_fee": 0.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 10000.0,
        "currency": "JetBlue_TrueBlue",
        "spend_requirement": 1000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "JetBlue_TrueBlue",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "everything_else",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "dining",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "groceries",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [],
      "perks": [],
      "notes": ""
    },
    "barclays_jetblue_plus": {
      "name": "Barclays JetBlue Plus",
      "issuer": "barclays",
      "card_type": "credit",
      "annual_fee": 99.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 70000.0,
        "currency": "JetBlue_TrueBlue",
        "spend_requirement": 1000.0,
        "timeframe_months": 3,
        "additional_tiers": null
      },
      "point_system": "JetBlue_TrueBlue",
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      "earning_rates": [
        {
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          "annual_cap_usd": null,
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        },
        {
          "category": "dining",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "groceries",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "jetblue_vacations_credit",
          "annual_value": 100.0,
          "usability": "conditional",
          "usability_key": null,
          "description": "$100 JetBlue Vacations credit"
        },
        {
          "name": "mosaic_status_after_50_000_annual_spend",
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          "description": "Mosaic status after $50,000 annual spend"
        }
      ],
      "perks": [
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          "usage_key": "united_flights_per_year",
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        }
      ],
      "notes": ""
    },
    "barclays_jetblue_business": {
      "name": "Barclays JetBlue Business",
      "issuer": "barclays",
      "card_type": "credit",
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      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 60000.0,
        "currency": "JetBlue_TrueBlue",
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      "point_system": "JetBlue_TrueBlue",
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        {
          "category": "dining",
          "rate": 2.0,
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        },
        {
          "category": "office_supply",
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        }
      ],
      "credits": [],
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        }
      ],
      "notes": ""
    },
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      "issuer": "wells_fargo",
      "card_type": "credit",
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      "annual_fee_first_year": null,
      "signup_bonus": {
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        "currency": "WF_Rewards",
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        },
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          "rate_after_cap": null
        },
        {
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        {
          "category": "transit",
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          "rate_after_cap": null
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        {
          "category": "telecom",
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          "annual_cap_usd": null,
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        },
        {
          "category": "travel",
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          "rate_after_cap": null
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        {
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          "rate_after_cap": null
        }
      ],
      "credits": [],
      "perks": [],
      "notes": ""
    },
    "wells_fargo_autograph_journey": {
      "name": "Wells Fargo Autograph Journey",
      "issuer": "wells_fargo",
      "card_type": "credit",
      "annual_fee": 95.0,
      "annual_fee_first_year": null,
      "signup_bonus": {
        "amount": 60000.0,
        "currency": "WF_Rewards",
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      "point_system": "WF_Rewards",
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      "earning_rates": [
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          "rate_after_cap": null
        },
        {
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        },
        {
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        },
        {
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        {
          "name": "50_airline_statement_credit",
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          "description": "$50 airline statement credit"
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      ],
      "perks": [],
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      "annual_fee_first_year": null,
      "signup_bonus": null,
      "point_system": "Atmos",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "everything_else",
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        },
        {
          "category": "dining",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
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      ],
      "credits": [
        {
          "name": "companion_certificate",
          "annual_value": 200,
          "usability": "conditional",
          "usability_key": "delta_flights_per_year",
          "description": "25,000-point Global Companion Award (no spend requirement; valid 12 months)"
        },
        {
          "name": "100_000_point_global_companion_award_wit",
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          "usability": "conditional",
          "usability_key": null,
          "description": "100,000-point Global Companion Award with $60,000 annual spend"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "bofa_customized_cash_rewards": {
      "name": "BofA Customized Cash Rewards",
      "issuer": "bofa",
      "card_type": "credit",
      "annual_fee": 0.0,
      "annual_fee_first_year": null,
      "signup_bonus": null,
      "point_system": "cash",
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        {
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        {
          "category": "groceries",
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        },
        {
          "category": "gas",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "online_shopping",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "drugstores",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "travel",
          "rate": 3.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
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          "annual_cap_usd": null,
          "rate_after_cap": null
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      ],
      "credits": [],
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      "notes": ""
    },
    "bofa_unlimited_cash_rewards": {
      "name": "BofA Unlimited Cash Rewards",
      "issuer": "bofa",
      "card_type": "credit",
      "annual_fee": 0.0,
      "annual_fee_first_year": null,
      "signup_bonus": null,
      "point_system": "cash",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "everything_else",
          "rate": 1.5,
          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [],
      "perks": [],
      "notes": ""
    },
    "bofa_premium_rewards": {
      "name": "BofA Premium Rewards",
      "issuer": "bofa",
      "card_type": "credit",
      "annual_fee": 95.0,
      "annual_fee_first_year": null,
      "signup_bonus": null,
      "point_system": "BofA",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "dining",
          "rate": 2.0,
          "annual_cap_usd": null,
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        },
        {
          "category": "travel",
          "rate": 2.0,
          "annual_cap_usd": null,
          "rate_after_cap": null
        },
        {
          "category": "everything_else",
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          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [
        {
          "name": "airline_incidental_credit",
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          "usability": "conditional",
          "usability_key": "uses_airline_incidentals",
          "description": "$100 airline incidental credit"
        },
        {
          "name": "global_entry_credit",
          "annual_value": 25.0,
          "usability": "conditional",
          "usability_key": "has_global_entry",
          "description": "$100 Global Entry/TSA PreCheck credit (every 4 years)"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "bofa_premium_rewards_elite": {
      "name": "BofA Premium Rewards Elite",
      "issuer": "bofa",
      "card_type": "credit",
      "annual_fee": 550.0,
      "annual_fee_first_year": null,
      "signup_bonus": null,
      "point_system": "BofA",
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      "earning_rates": [
        {
          "category": "dining",
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        },
        {
          "category": "travel",
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        },
        {
          "category": "everything_else",
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      ],
      "credits": [
        {
          "name": "airline_incidental_credit",
          "annual_value": 300.0,
          "usability": "conditional",
          "usability_key": "uses_airline_incidentals",
          "description": "$300 airline incidental credit"
        },
        {
          "name": "streaming_credit",
          "annual_value": 150.0,
          "usability": "conditional",
          "usability_key": "uses_rideshare",
          "description": "$150 lifestyle credit (rideshare, food delivery, streaming, fitness)"
        },
        {
          "name": "global_entry_credit",
          "annual_value": 30.0,
          "usability": "conditional",
          "usability_key": "has_global_entry",
          "description": "$120 Global Entry/TSA PreCheck credit (every 4 years)"
        }
      ],
      "perks": [],
      "notes": ""
    },
    "bofa_travel_rewards": {
      "name": "BofA Travel Rewards",
      "issuer": "bofa",
      "card_type": "credit",
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      "annual_fee_first_year": null,
      "signup_bonus": null,
      "point_system": "BofA",
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      "earning_rates": [
        {
          "category": "travel",
          "rate": 3.0,
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        {
          "category": "everything_else",
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          "annual_cap_usd": null,
          "rate_after_cap": null
        }
      ],
      "credits": [],
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      "notes": ""
    },
    "us_bank_smartly": {
      "name": "US Bank Smartly",
      "issuer": "us_bank",
      "card_type": "credit",
      "annual_fee": 0.0,
      "annual_fee_first_year": null,
      "signup_bonus": null,
      "point_system": "cash",
      "is_transferable": false,
      "earning_rates": [
        {
          "category": "everything_else",
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          "rate_after_cap": null
        }
      ],
      "credits": [],
      "perks": [],
      "notes": ""
    }
  },
  "point_valuations": {
    "MR": 2.0,
    "UR": 2.05,
    "TYP": 1.9,
    "Capital_One": 1.85,
    "Bilt": 2.2,
    "Delta_SkyMiles": 1.3,
    "United_MileagePlus": 1.4,
    "Hilton_Honors": 0.5,
    "Marriott_Bonvoy": 0.75,
    "SW_Rapid_Rewards": 1.5,
    "IHG": 0.55,
    "Hyatt": 2.0,
    "Aeroplan": 1.6,
    "Amazon": 1.0,
    "AAdvantage": 1.5,
    "JetBlue_TrueBlue": 1.4,
    "WF_Rewards": 1.65,
    "Atmos": 1.8,
    "BofA": 1.0,
    "cash": 1.0
  }
}