[
  {
    "id": "bmo-checking-600",
    "bank_or_issuer": "BMO",
    "product_name": "Smart Advantage Checking",
    "bonus_type": "bank_account",
    "bonus_amount_usd": 600,
    "bonus_max_usd": null,
    "bonus_points": null,
    "annual_fee_usd": null,
    "requirements": [
      "Open a new BMO Smart Advantage, Smart Money, or Relationship Checking account",
      "Primary applicant must reside in AZ, CA, CO, FL, IA, IL, IN, MN, NM, NV, OR, UT, WA, or WI at the time of application",
      "Beginning the month following account opening, earn a $100 cash bonus each consecutive month (up to 6 months, $600 total) you have a cumulative total of $1,000 or more in qualifying direct deposits posted to the account",
      "Account must be funded with at least $25 to open"
    ],
    "min_deposit_usd": 25,
    "direct_deposit_required": true,
    "expiry_date": "2026-12-15",
    "states_available": [
      "AZ",
      "CA",
      "CO",
      "FL",
      "IA",
      "IL",
      "IN",
      "MN",
      "NM",
      "NV",
      "OR",
      "UT",
      "WA",
      "WI"
    ],
    "application_url": "https://www.bmo.com/en-us/main/personal/checking-accounts/digital-offer/",
    "source_url": "https://www.bmo.com/en-us/main/personal/checking-accounts/digital-offer/",
    "last_verified_date": "2026-10-02",
    "offer_history": [],
    "verification": {
      "method": "aggregator_consensus",
      "sources": [
        "https://www.bmo.com/en-us/main/personal/checking-accounts/digital-offer/",
        "https://www.bankrate.com/banking/best-bank-account-bonuses-and-promotions/",
        "https://thebonusstack.com/bonuses/bmo-smart-advantage-checking"
      ],
      "verified_at": "2026-10-02"
    },
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/bmo-checking-600",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "truist-one-checking-500",
    "bank_or_issuer": "Truist",
    "product_name": "One Checking",
    "bonus_type": "bank_account",
    "bonus_amount_usd": 500,
    "bonus_max_usd": null,
    "bonus_points": null,
    "annual_fee_usd": null,
    "requirements": [
      "New Truist personal checking clients only: open a new Truist One Checking (or Truist Marquee Checking) account from July 14, 2026 through February 2, 2027 using a promo code",
      "Receive at least 2 qualifying direct deposits totaling $2,000 or more within 120 days of account opening",
      "Complete at least 20 qualifying debit card purchases within 120 days of account opening",
      "The promo code must be applied at account opening; it cannot be added afterwards",
      "Reward is deposited to the new checking account within 10 business days after the requirements are met and verified",
      "Not eligible if you are the primary holder of an existing Truist personal checking account or closed a Truist personal checking account on or after July 14, 2025",
      "Truist One Checking has a $12 monthly maintenance fee with several waiver options"
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": true,
    "expiry_date": "2027-02-02",
    "states_available": [
      "AL",
      "AR",
      "DC",
      "FL",
      "GA",
      "IN",
      "KY",
      "MD",
      "MS",
      "NC",
      "NJ",
      "OH",
      "PA",
      "SC",
      "TN",
      "TX",
      "VA",
      "WV"
    ],
    "application_url": "https://www.truist.com/checking/lp/promos/open-checking",
    "source_url": "https://www.truist.com/checking/lp/promos/open-checking",
    "last_verified_date": "2026-09-30",
    "offer_history": [],
    "verification": {
      "method": "issuer_page",
      "sources": [
        "https://www.truist.com/checking/lp/promos/open-checking"
      ],
      "verified_at": "2026-09-30"
    },
    "status": "active",
    "eligibility": {
      "cooldown_months": null,
      "issuer_rules": [
        "Not eligible if you closed a Truist personal checking account on or after 2025-07-14"
      ],
      "new_to_bank": true,
      "once_per_lifetime": null
    },
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/truist-one-checking-500",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "wells-fargo-everyday-checking-500",
    "bank_or_issuer": "Wells Fargo",
    "product_name": "Everyday Checking",
    "bonus_type": "bank_account",
    "bonus_amount_usd": 500,
    "bonus_max_usd": null,
    "bonus_points": null,
    "annual_fee_usd": null,
    "requirements": [
      "New Wells Fargo consumer checking customers only; open a new account with the bonus offer code by October 6, 2026 (online or in branch)",
      "Receive a total of $1,000 or more in qualifying electronic deposits within 90 calendar days of account opening",
      "Transfers from one account to another, mobile deposits, Zelle, and deposits made at a branch or ATM do not count as qualifying deposits",
      "Bonus is deposited within 30 calendar days after the requirements are met, and the new account must stay open until it is deposited",
      "Not available to anyone who received a Wells Fargo consumer checking bonus within the past 12 months, or to Wells Fargo employees",
      "Everyday Checking has a $15 monthly service fee, waivable (for example with $500+ in qualifying deposits or a $1,500 minimum daily balance)"
    ],
    "min_deposit_usd": 25,
    "direct_deposit_required": true,
    "expiry_date": "2026-10-06",
    "states_available": "nationwide",
    "application_url": "https://www.wellsfargo.com/checking/everyday/",
    "source_url": "https://www.doctorofcredit.com/wells-fargo-500-checking-bonus/",
    "last_verified_date": "2026-09-30",
    "offer_history": [],
    "verification": {
      "method": "aggregator_consensus",
      "sources": [
        "https://www.doctorofcredit.com/wells-fargo-500-checking-bonus/",
        "https://frequentmiler.com/earn-a-500-bonus-with-a-new-wells-fargo-checking-account/",
        "https://www.uscreditcardguide.com/wells-fargo-everyday-checking-account/",
        "https://www.creditdonkey.com/wells-fargo-checking-account-bonus.html"
      ],
      "verified_at": "2026-09-30"
    },
    "status": "active",
    "eligibility": {
      "cooldown_months": 12,
      "issuer_rules": [
        "Not available if you received a Wells Fargo consumer checking bonus in the past 12 months"
      ],
      "new_to_bank": true,
      "once_per_lifetime": null
    },
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/wells-fargo-everyday-checking-500",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "us-bank-smartly-checking-450",
    "bank_or_issuer": "U.S. Bank",
    "product_name": "Smartly Checking",
    "bonus_type": "bank_account",
    "bonus_amount_usd": 450,
    "bonus_max_usd": null,
    "bonus_points": null,
    "annual_fee_usd": null,
    "requirements": [
      "Open a new U.S. Bank Smartly Checking account through the promotional offer web page between September 10, 2026 and November 10, 2026",
      "Fund the account with at least $25 within 60 days of account opening",
      "Enroll in the U.S. Bank Mobile App or online banking within 90 days of account opening",
      "Complete two or more direct deposits within 90 days of account opening totaling: $2,000-$4,999.99 for a $250 bonus, $5,000-$7,999.99 for a $350 bonus, or $8,000 or more for a $450 bonus",
      "Bonus is credited within 30 days of completing all requirements",
      "Not eligible if you currently have or had a U.S. Bank consumer checking account in the last 12 months"
    ],
    "min_deposit_usd": 25,
    "direct_deposit_required": true,
    "expiry_date": "2026-11-10",
    "states_available": "nationwide",
    "application_url": "https://usbank.com/splash/checking/2026-all-market-checking-offer.html",
    "source_url": "https://usbank.com/splash/checking/2026-all-market-checking-offer.html",
    "last_verified_date": "2026-10-01",
    "offer_history": [],
    "verification": null,
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/us-bank-smartly-checking-450",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "chase-total-checking-400",
    "bank_or_issuer": "Chase",
    "product_name": "Total Checking",
    "bonus_type": "bank_account",
    "bonus_amount_usd": 400,
    "bonus_max_usd": null,
    "bonus_points": null,
    "annual_fee_usd": null,
    "requirements": [
      "For new Chase checking customers only",
      "Open a new Chase Total Checking account and enroll in the offer by October 14, 2026",
      "Set up and receive direct deposits totaling $1,000 or more within 90 days of offer enrollment",
      "Qualifying direct deposit is an electronic deposit of paycheck, pension, or government benefits (Zelle and other person-to-person payments do not qualify)",
      "Bonus is deposited within 15 days of completing requirements"
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": true,
    "expiry_date": "2026-10-14",
    "states_available": "nationwide",
    "application_url": "https://www.chase.com/personal/checking/total-checking",
    "source_url": "https://www.hustlermoneyblog.com/chase-total-checking-bonus/",
    "last_verified_date": "2026-09-30",
    "offer_history": [],
    "verification": {
      "method": "aggregator_consensus",
      "sources": [
        "https://www.hustlermoneyblog.com/chase-total-checking-bonus/",
        "https://bankbonus.com/promotions/chase-bank/chase-total-checking-bonus-offer/",
        "https://www.fatstacksacademy.com/blog/chase-total-checking-bonus",
        "https://www.moneycrashers.com/chase-bank-promotions/"
      ],
      "verified_at": "2026-09-30"
    },
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/chase-total-checking-400",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "pnc-virtual-wallet-performance-select-400",
    "bank_or_issuer": "PNC",
    "product_name": "Virtual Wallet with Performance Select",
    "bonus_type": "bank_account",
    "bonus_amount_usd": 400,
    "bonus_max_usd": null,
    "bonus_points": null,
    "annual_fee_usd": null,
    "requirements": [
      "Open a new Virtual Wallet with Performance Select checking product online via the offer page links between September 1, 2026 and January 7, 2027",
      "Set up and receive total qualifying direct deposits of $5,000 or more into the Spend account within the first 60 days",
      "Qualifying direct deposit is a recurring direct deposit of paycheck, pension, Social Security, or other regular income from an employer or outside agency (wire transfers, person-to-person transfers, account transfers, and branch/ATM/mobile deposits do not qualify)",
      "Reward is credited within 60 to 90 days after all conditions are met",
      "Not eligible if you have an existing PNC consumer checking account, closed one in the past 12 months, or received a PNC promotional premium in the past 24 months"
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": true,
    "expiry_date": "2027-01-07",
    "states_available": [
      "CO",
      "IL",
      "IN",
      "KY",
      "MI",
      "MN",
      "NC",
      "OH",
      "PA",
      "SC",
      "WV",
      "WI"
    ],
    "application_url": "https://pnc.com/en/personal-banking/banking/checking/bonus-offer.html",
    "source_url": "https://pnc.com/en/personal-banking/banking/checking/bonus-offer.html",
    "last_verified_date": "2026-10-01",
    "offer_history": [],
    "verification": null,
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/pnc-virtual-wallet-performance-select-400",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "sofi-checking-savings-400",
    "bank_or_issuer": "SoFi",
    "product_name": "Checking and Savings",
    "bonus_type": "bank_account",
    "bonus_amount_usd": 400,
    "bonus_max_usd": null,
    "bonus_points": null,
    "annual_fee_usd": null,
    "requirements": [
      "Open a SoFi Checking and Savings account (new and existing members who have never set up direct deposit with SoFi are eligible)",
      "Set up your first eligible direct deposit of $1 or more; SoFi must receive it on or before December 31, 2026",
      "SoFi totals all eligible direct deposits received within 25 calendar days of the first eligible direct deposit: $1,000-$4,999.99 earns a $50 bonus, $5,000 or more earns a $400 bonus",
      "Eligible direct deposits are deposits from an employer, payroll, or benefits provider via ACH (check deposits, P2P transfers such as Venmo/PayPal, and merchant transactions do not qualify)",
      "Bonus is credited within 7 business days of meeting requirements"
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": true,
    "expiry_date": "2026-12-31",
    "states_available": "nationwide",
    "application_url": "https://sofi.com/banking/checking-offer/",
    "source_url": "https://sofi.com/banking/checking-offer/",
    "last_verified_date": "2026-10-01",
    "offer_history": [],
    "verification": null,
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/sofi-checking-savings-400",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "associated-bank-checking-600",
    "bank_or_issuer": "Associated Bank",
    "product_name": "Associated Choice Checking",
    "bonus_type": "bank_account",
    "bonus_amount_usd": 300,
    "bonus_max_usd": 600,
    "bonus_points": null,
    "annual_fee_usd": null,
    "requirements": [
      "Open and fund a new personal Associated Bank checking account by October 31, 2026 (Associated Access Checking requires a $25 minimum opening deposit; Associated Balanced or Choice Checking requires $100)",
      "Receive recurring direct deposits totaling $500 or more within 90 days of account opening from an employer or government agency (person-to-person payments and transfers from existing or external accounts do not qualify)",
      "Bonus tier is determined by the average daily balance of all open Associated Bank deposit accounts for days 31-90: $1,000-$4,999.99 earns $300, $5,000-$9,999.99 earns $400, $10,000 and over earns $600",
      "Bonus is deposited into the new checking account within 120 days of account opening",
      "Account must remain open for a minimum of 12 months or the bonus may be deducted at closing",
      "IMPORTANT: the $600 figure is the TOP TIER ONLY and requires a $10,000+ average daily balance across all open Associated Bank deposit accounts for days 31-90. Completing only the direct-deposit requirement earns $300."
    ],
    "min_deposit_usd": 25,
    "direct_deposit_required": true,
    "expiry_date": "2026-10-31",
    "states_available": [
      "IA",
      "IL",
      "IN",
      "KS",
      "MI",
      "MN",
      "MO",
      "OH",
      "WI"
    ],
    "application_url": "https://www.associatedbank.com/checking-account-bonus-offer-promotion",
    "source_url": "https://www.associatedbank.com/checking-account-bonus-offer-promotion",
    "last_verified_date": "2026-09-20",
    "offer_history": [],
    "verification": null,
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/associated-bank-checking-600",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "keybank-key-smart-checking-300",
    "bank_or_issuer": "KeyBank",
    "product_name": "Key Smart Checking",
    "bonus_type": "bank_account",
    "bonus_amount_usd": 300,
    "bonus_max_usd": null,
    "bonus_points": null,
    "annual_fee_usd": null,
    "requirements": [
      "Open a Key Smart Checking account online by December 11, 2026 with a minimum opening deposit of $10",
      "Make a total of $2,000 or more in eligible direct deposits within 90 days of account opening",
      "Eligible direct deposits are electronic ACH deposits such as payroll, Social Security, pension, or government benefits (teller, ATM, and mobile app deposits do not qualify)",
      "Bonus is deposited into the account within 60 days of meeting requirements",
      "Offer not available to individuals who were a primary account owner of a KeyBank personal checking account in the last 12 months"
    ],
    "min_deposit_usd": 10,
    "direct_deposit_required": true,
    "expiry_date": "2026-12-11",
    "states_available": [
      "AK",
      "CO",
      "CT",
      "ID",
      "IN",
      "ME",
      "MA",
      "MI",
      "NY",
      "OH",
      "OR",
      "PA",
      "UT",
      "VT",
      "WA"
    ],
    "application_url": "https://www.key.com/personal/checking/checking-account-bonus-offers.html",
    "source_url": "https://www.key.com/personal/checking/checking-account-bonus-offers.html",
    "last_verified_date": "2026-10-01",
    "offer_history": [],
    "verification": null,
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/keybank-key-smart-checking-300",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "mt-bank-checking-300",
    "bank_or_issuer": "M&T Bank",
    "product_name": "MyChoice Premium Checking",
    "bonus_type": "bank_account",
    "bonus_amount_usd": 300,
    "bonus_max_usd": null,
    "bonus_points": null,
    "annual_fee_usd": null,
    "requirements": [
      "Open an eligible M&T personal checking account (EZChoice Checking, MyChoice Plus, or MyChoice Premium) by October 8, 2026 using the promo code on the application page",
      "Set up and receive qualifying direct deposits totaling at least $500 within 90 days of account opening",
      "Bonus tier by account type: $300 with MyChoice Premium, $250 with MyChoice Plus, $200 with EZChoice",
      "Bonus is credited within 90 days of the account receiving the qualifying direct deposits"
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": true,
    "expiry_date": "2026-10-08",
    "states_available": [
      "CT",
      "DC",
      "DE",
      "MA",
      "MD",
      "ME",
      "NJ",
      "NY",
      "PA",
      "VA",
      "VT",
      "WV"
    ],
    "application_url": "https://campaigns.mtb.com/personal/banking/checking-cash-bonus",
    "source_url": "https://campaigns.mtb.com/personal/banking/checking-cash-bonus",
    "last_verified_date": "2026-09-30",
    "offer_history": [],
    "verification": {
      "method": "issuer_page",
      "sources": [
        "https://campaigns.mtb.com/personal/banking/checking-cash-bonus"
      ],
      "verified_at": "2026-09-30"
    },
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/mt-bank-checking-300",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "td-bank-beyond-checking-300",
    "bank_or_issuer": "TD Bank",
    "product_name": "Beyond Checking",
    "bonus_type": "bank_account",
    "bonus_amount_usd": 300,
    "bonus_max_usd": null,
    "bonus_points": null,
    "annual_fee_usd": null,
    "requirements": [
      "Open a new TD Beyond Checking account online through the qualifying offer page by November 30, 2026",
      "Make $2,500 or more in qualifying direct deposits within 60 calendar days of account opening",
      "Qualifying direct deposits are recurring electronic deposits of paycheck, pension, or government benefits (such as Social Security) from an employer or the government, of at least $250 each (person-to-person and bank transfers do not qualify)",
      "Bonus is deposited on or before 180 days from account opening",
      "Not eligible if you are an existing TD personal checking customer, closed a TD checking account within the preceding 12 months, or have ever received a prior TD checking bonus"
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": true,
    "expiry_date": "2026-11-30",
    "states_available": [
      "CT",
      "DC",
      "DE",
      "FL",
      "MA",
      "MD",
      "ME",
      "NC",
      "NH",
      "NJ",
      "NY",
      "PA",
      "RI",
      "SC",
      "VA",
      "VT"
    ],
    "application_url": "https://www.td.com/us/en/personal-banking/checking-bonus/pso/apply/beyond",
    "source_url": "https://www.td.com/us/en/personal-banking/checking-and-saving-bonus",
    "last_verified_date": "2026-09-30",
    "offer_history": [],
    "verification": {
      "method": "issuer_page",
      "sources": [
        "https://www.td.com/us/en/personal-banking/checking-and-saving-bonus"
      ],
      "verified_at": "2026-09-30"
    },
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/td-bank-beyond-checking-300",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "capital-one-360-checking-250",
    "bank_or_issuer": "Capital One",
    "product_name": "360 Checking",
    "bonus_type": "bank_account",
    "bonus_amount_usd": 250,
    "bonus_max_usd": null,
    "bonus_points": null,
    "annual_fee_usd": null,
    "requirements": [
      "Open a new Capital One 360 Checking account using promo code CHECKING250",
      "Set up and receive at least 2 qualifying direct deposits, each of $500 or more, within 75 days of account opening",
      "A qualifying direct deposit is a regular periodic payment such as salary, pension, or government payments",
      "Bonus is deposited into the new account after completing the requirements",
      "Not eligible if you have or had an open 360 Checking, Simply Checking, or Total Control Checking account as a primary or secondary holder on or after January 1, 2024",
      "Limited-time offer; Capital One can end or change it at any time"
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": true,
    "expiry_date": null,
    "states_available": "nationwide",
    "application_url": "https://www.capitalone.com/bank/checking250/",
    "source_url": "https://www.capitalone.com/bank/checking250/",
    "last_verified_date": "2026-10-01",
    "offer_history": [],
    "verification": null,
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/capital-one-360-checking-250",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "amex-business-gold-200k",
    "bank_or_issuer": "American Express",
    "product_name": "Business Gold Card",
    "bonus_type": "credit_card",
    "bonus_amount_usd": 4000,
    "bonus_max_usd": null,
    "bonus_points": 200000,
    "annual_fee_usd": 375,
    "requirements": [
      "Apply and find out your offer; eligible applicants may earn as high as 200,000 Membership Rewards points after spending $15,000 in eligible purchases in the first 3 months of card membership",
      "Welcome offers vary by applicant and you may not be eligible for an offer",
      "Points valued up to ~$4,000 at 2.0 cents per point (TPG September 2026 Membership Rewards valuation)",
      "Restricted to one welcome bonus per card per lifetime with American Express",
      "Verification note: American Express serves welcome-offer figures only to a rendered browser, so this amount was confirmed 2026-10-01 against bonus trackers rather than a static read of the issuer page. Confirm your own offer on the issuer page before applying — Amex varies offers by applicant and channel."
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": false,
    "expiry_date": null,
    "states_available": "nationwide",
    "application_url": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/",
    "source_url": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/",
    "last_verified_date": "2026-10-01",
    "offer_history": [],
    "verification": {
      "method": "aggregator_consensus",
      "sources": [
        "https://www.doctorofcredit.com/american-express-credit-card-offers/",
        "https://thepointsguy.com/credit-cards/limited-time-card-offers/"
      ],
      "verified_at": "2026-10-01"
    },
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/amex-business-gold-200k",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "amex-business-platinum-300k",
    "bank_or_issuer": "American Express",
    "product_name": "Business Platinum Card",
    "bonus_type": "credit_card",
    "bonus_amount_usd": 4000,
    "bonus_max_usd": null,
    "bonus_points": 200000,
    "annual_fee_usd": 895,
    "requirements": [
      "Apply and find out your offer; eligible applicants may earn as high as 300,000 Membership Rewards points after spending $20,000 in eligible purchases in the first 3 months of card membership",
      "Welcome offers vary by applicant and you may not be eligible for an offer",
      "Points valued up to ~$6,000 at 2.0 cents per point (TPG September 2026 Membership Rewards valuation)",
      "Restricted to one welcome bonus per card per lifetime with American Express",
      "The public offer confirmed 2026-10-01 is 200,000 points. Offers of 250,000-300,000 points are targeted/YMMV and are not available to every applicant; this record now tracks the public offer.",
      "Verification note: American Express serves welcome-offer figures only to a rendered browser, so this amount was confirmed 2026-10-01 against bonus trackers rather than a static read of the issuer page. Confirm your own offer on the issuer page before applying — Amex varies offers by applicant and channel."
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": false,
    "expiry_date": null,
    "states_available": "nationwide",
    "application_url": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex/",
    "source_url": "https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex/",
    "last_verified_date": "2026-10-01",
    "offer_history": [],
    "verification": {
      "method": "aggregator_consensus",
      "sources": [
        "https://www.doctorofcredit.com/american-express-credit-card-offers/",
        "https://thepointsguy.com/credit-cards/limited-time-card-offers/"
      ],
      "verified_at": "2026-10-01"
    },
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/amex-business-platinum-300k",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "amex-platinum-175k",
    "bank_or_issuer": "American Express",
    "product_name": "Platinum Card",
    "bonus_type": "credit_card",
    "bonus_amount_usd": 3500,
    "bonus_max_usd": null,
    "bonus_points": 175000,
    "annual_fee_usd": 895,
    "requirements": [
      "Apply and find out your offer; eligible applicants may earn as high as 175,000 Membership Rewards points after spending $12,000 in eligible purchases in the first 6 months of card membership",
      "Welcome offers vary by applicant and you may not be eligible for an offer; Amex shows your exact offer after a soft credit check",
      "Points valued up to ~$3,500 at 2.0 cents per point (TPG September 2026 Membership Rewards valuation)",
      "Restricted to one welcome bonus per card per lifetime with American Express",
      "Verification note: American Express serves welcome-offer figures only to a rendered browser, so this amount was confirmed 2026-10-01 against bonus trackers rather than a static read of the issuer page. Confirm your own offer on the issuer page before applying — Amex varies offers by applicant and channel."
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": false,
    "expiry_date": null,
    "states_available": "nationwide",
    "application_url": "https://www.americanexpress.com/us/credit-cards/card/platinum/",
    "source_url": "https://www.americanexpress.com/us/credit-cards/card/platinum/",
    "last_verified_date": "2026-10-01",
    "offer_history": [],
    "verification": {
      "method": "aggregator_consensus",
      "sources": [
        "https://www.doctorofcredit.com/american-express-credit-card-offers/",
        "https://thepointsguy.com/credit-cards/limited-time-card-offers/"
      ],
      "verified_at": "2026-10-01"
    },
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/amex-platinum-175k",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "chase-ink-business-preferred-100k",
    "bank_or_issuer": "Chase",
    "product_name": "Ink Business Preferred",
    "bonus_type": "credit_card",
    "bonus_amount_usd": 2050,
    "bonus_max_usd": null,
    "bonus_points": 100000,
    "annual_fee_usd": 95,
    "requirements": [
      "Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening",
      "Points valued ~$2,050 at 2.05 cents per point (TPG July 2026 Ultimate Rewards valuation)",
      "Business card. Chase notes the offer is subject to change and availability may vary by application method"
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": false,
    "expiry_date": null,
    "states_available": "nationwide",
    "application_url": "https://creditcards.chase.com/business-credit-cards/ink/business-preferred",
    "source_url": "https://creditcards.chase.com/business-credit-cards/ink/business-preferred",
    "last_verified_date": "2026-10-01",
    "offer_history": [],
    "verification": {
      "method": "issuer_page",
      "sources": [
        "https://creditcards.chase.com/business-credit-cards/ink/business-preferred"
      ],
      "verified_at": "2026-10-01"
    },
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/chase-ink-business-preferred-100k",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "chase-sapphire-reserve-100k",
    "bank_or_issuer": "Chase",
    "product_name": "Sapphire Reserve",
    "bonus_type": "credit_card",
    "bonus_amount_usd": 2050,
    "bonus_max_usd": null,
    "bonus_points": 100000,
    "annual_fee_usd": 795,
    "requirements": [
      "Earn 100,000 bonus points after spending $6,000 on purchases in the first 3 months from account opening",
      "Points valued ~$2,050 at 2.05 cents per point (TPG July 2026 Ultimate Rewards valuation); Chase advertises $2,000 value for select flights and hotels through Chase Travel",
      "$300 annual travel credit each account anniversary year; new cardmember bonus not available if you previously held this card or received its bonus"
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": false,
    "expiry_date": null,
    "states_available": "nationwide",
    "application_url": "https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve",
    "source_url": "https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve",
    "last_verified_date": "2026-09-20",
    "offer_history": [],
    "verification": null,
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/chase-sapphire-reserve-100k",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "amex-gold-100k",
    "bank_or_issuer": "American Express",
    "product_name": "Gold Card",
    "bonus_type": "credit_card",
    "bonus_amount_usd": 2000,
    "bonus_max_usd": null,
    "bonus_points": 100000,
    "annual_fee_usd": 325,
    "requirements": [
      "Apply and find out your offer; eligible applicants may earn as high as 100,000 Membership Rewards points after spending $8,000 in eligible purchases in the first 6 months of card membership",
      "Welcome offers vary by applicant and you may not be eligible for an offer",
      "Points valued up to ~$2,000 at 2.0 cents per point (TPG September 2026 Membership Rewards valuation)",
      "Restricted to one welcome bonus per card per lifetime with American Express",
      "Verification note: American Express serves welcome-offer figures only to a rendered browser, so this amount was confirmed 2026-10-01 against bonus trackers rather than a static read of the issuer page. Confirm your own offer on the issuer page before applying — Amex varies offers by applicant and channel."
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": false,
    "expiry_date": null,
    "states_available": "nationwide",
    "application_url": "https://www.americanexpress.com/us/credit-cards/card/gold-card/",
    "source_url": "https://www.americanexpress.com/us/credit-cards/card/gold-card/",
    "last_verified_date": "2026-10-01",
    "offer_history": [],
    "verification": {
      "method": "aggregator_consensus",
      "sources": [
        "https://www.doctorofcredit.com/american-express-credit-card-offers/",
        "https://thepointsguy.com/credit-cards/limited-time-card-offers/"
      ],
      "verified_at": "2026-10-01"
    },
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/amex-gold-100k",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "citi-aadvantage-executive-125k",
    "bank_or_issuer": "Citi",
    "product_name": "AAdvantage Executive World Legend Mastercard",
    "bonus_type": "credit_card",
    "bonus_amount_usd": 1813,
    "bonus_max_usd": null,
    "bonus_points": 125000,
    "annual_fee_usd": 695,
    "requirements": [
      "Earn 125,000 AAdvantage bonus miles after $15,000 in purchases within the first 5 months of account opening",
      "Miles valued ~$1,813 at 1.45 cents per mile (TPG September 2026 valuation)",
      "Limited-time elevated offer; the higher spend requirement comes with 5 months to meet it instead of 3",
      "Bonus not available if you received a new account bonus for this card in the past 48 months, or converted another Citi card that earned a prior bonus into this account within that timeframe"
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": false,
    "expiry_date": null,
    "states_available": "nationwide",
    "application_url": "https://creditcards.aa.com/credit-cards/citi-executive-card-american-airlines-direct/",
    "source_url": "https://creditcards.aa.com/credit-cards/citi-executive-card-american-airlines-direct/",
    "last_verified_date": "2026-09-30",
    "offer_history": [],
    "verification": {
      "method": "issuer_page",
      "sources": [
        "https://creditcards.aa.com/credit-cards/citi-executive-card-american-airlines-direct/",
        "https://thepointsguy.com/news/how-good-is-the-citi-aadvantage-executive-125000-mile-offer"
      ],
      "verified_at": "2026-09-30"
    },
    "status": "active",
    "eligibility": {
      "cooldown_months": 48,
      "issuer_rules": [
        "No new-account bonus for this card in the past 48 months"
      ],
      "new_to_bank": null,
      "once_per_lifetime": null
    },
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/citi-aadvantage-executive-125k",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "chase-sapphire-preferred-75k",
    "bank_or_issuer": "Chase",
    "product_name": "Sapphire Preferred",
    "bonus_type": "credit_card",
    "bonus_amount_usd": 1538,
    "bonus_max_usd": null,
    "bonus_points": 75000,
    "annual_fee_usd": 95,
    "requirements": [
      "Earn 75,000 bonus points after spending $5,000 on purchases in the first 3 months from account opening",
      "Points valued ~$1,538 at 2.05 cents per point (TPG July 2026 Ultimate Rewards valuation); worth 1.5 cents per point when redeemed for travel through Chase Travel",
      "No annual fee waiver for first year; bonus not available if you received a Sapphire new cardmember bonus in the past 48 months"
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": false,
    "expiry_date": null,
    "states_available": "nationwide",
    "application_url": "https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred",
    "source_url": "https://Creditcards.chase.com/rewards-credit-cards?iCELL=6H4S&CID=MKT3",
    "last_verified_date": "2026-09-20",
    "offer_history": [],
    "verification": null,
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/chase-sapphire-preferred-75k",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "citi-strata-elite-75k",
    "bank_or_issuer": "Citi",
    "product_name": "Strata Elite Card",
    "bonus_type": "credit_card",
    "bonus_amount_usd": 1425,
    "bonus_max_usd": null,
    "bonus_points": 75000,
    "annual_fee_usd": 595,
    "requirements": [
      "Earn 75,000 bonus ThankYou Points after spending $6,000 on purchases within the first 3 months from account opening",
      "Points valued ~$1,425 at 1.9 cents per point (TPG July 2026 ThankYou valuation)",
      "Up to $300 annual hotel benefit for stays of two nights or more booked through cititravel.com",
      "Eligibility: not available if you currently have or previously had a Citi Strata Elite account. The 48-month rule applies to the Citi Strata PREMIER card, not this one (corrected 2026-10-01)."
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": false,
    "expiry_date": null,
    "states_available": "nationwide",
    "application_url": "https://www.citi.com/credit-cards/citi-strata-elite-card",
    "source_url": "https://www.citi.com/credit-cards/citi-strata-elite-card",
    "last_verified_date": "2026-10-01",
    "offer_history": [],
    "verification": null,
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/citi-strata-elite-75k",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "capital-one-venture-75k",
    "bank_or_issuer": "Capital One",
    "product_name": "Venture Rewards Credit Card",
    "bonus_type": "credit_card",
    "bonus_amount_usd": 1388,
    "bonus_max_usd": null,
    "bonus_points": 75000,
    "annual_fee_usd": 95,
    "requirements": [
      "Earn 75,000 bonus miles after spending $4,000 on purchases in the first 3 months from account opening",
      "Plus receive a $300 credit for hotel and vacation rental bookings through Capital One Travel in the first cardholder year",
      "Miles valued ~$1,388 at 1.85 cents per mile (TPG September 2026 Capital One valuation)",
      "Not eligible if you opened or earned the Venture or Venture X bonus in the past 48 months",
      "Limited-time (from September 8, 2026): also includes a $300 Capital One Travel credit for hotel and vacation-rental bookings, valid one year; not included in the USD value shown here",
      "Verification note: the 75,000-mile offer was confirmed against the issuer product page on 2026-10-01; the exact valuation and the $300 travel credit are per the trackers recorded in the verification block."
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": false,
    "expiry_date": null,
    "states_available": "nationwide",
    "application_url": "https://www.capitalone.com/credit-cards/venture/",
    "source_url": "https://www.capitalone.com/credit-cards/venture/",
    "last_verified_date": "2026-10-01",
    "offer_history": [],
    "verification": {
      "method": "aggregator_consensus",
      "sources": [
        "https://thepointsguy.com/credit-cards/how-good-venture-rewards-75000-mile-300-travel-credit-offer/",
        "https://frequentmiler.com/new-capital-one-venture-rewards-welcome-offer-75k-miles-300-stays-credit/",
        "https://awardwallet.com/credit-cards/capital-one-rewards/venture-card-bonus/",
        "https://www.forbes.com/advisor/credit-cards/capital-one-venture-rewards-offer-boost-lmandp5/"
      ],
      "verified_at": "2026-09-30"
    },
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/capital-one-venture-75k",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "capital-one-venture-x-75k",
    "bank_or_issuer": "Capital One",
    "product_name": "Venture X Rewards Credit Card",
    "bonus_type": "credit_card",
    "bonus_amount_usd": 1388,
    "bonus_max_usd": null,
    "bonus_points": 75000,
    "annual_fee_usd": 395,
    "requirements": [
      "Earn 75,000 bonus miles after spending $4,000 on purchases in the first 3 months from account opening",
      "Miles valued ~$1,388 at 1.85 cents per mile (TPG September 2026 Capital One valuation); worth $750 toward travel through Capital One Travel at 1 cent per mile",
      "$300 annual credit for bookings through Capital One Travel plus 10,000 anniversary bonus miles",
      "Not eligible if you opened or earned the Venture X bonus in the past 48 months"
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": false,
    "expiry_date": null,
    "states_available": "nationwide",
    "application_url": "https://www.capitalone.com/credit-cards/venture-x/",
    "source_url": "https://www.capitalone.com/credit-cards/venture-x/",
    "last_verified_date": "2026-10-01",
    "offer_history": [],
    "verification": null,
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/capital-one-venture-x-75k",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "citi-strata-premier-60k",
    "bank_or_issuer": "Citi",
    "product_name": "Strata Premier Card",
    "bonus_type": "credit_card",
    "bonus_amount_usd": 1140,
    "bonus_max_usd": null,
    "bonus_points": 60000,
    "annual_fee_usd": 95,
    "requirements": [
      "Earn 60,000 bonus ThankYou Points after spending $4,000 on purchases in the first 3 months of account opening",
      "Points valued ~$1,140 at 1.9 cents per point (TPG July 2026 ThankYou valuation); redeemable for $600 in gift cards or travel rewards at thankyou.com",
      "$100 annual hotel benefit on a single hotel stay of $500 or more booked through Citi Travel",
      "Bonus not available if you received a new account bonus for a Citi Premier or Citi Strata Premier account in the past 48 months"
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": false,
    "expiry_date": null,
    "states_available": "nationwide",
    "application_url": "https://www.citi.com/credit-cards/citi-strata-premier-card",
    "source_url": "https://www.citi.com/credit-cards/citi-strata-premier-card",
    "last_verified_date": "2026-10-01",
    "offer_history": [],
    "verification": null,
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/citi-strata-premier-60k",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "wells-fargo-autograph-journey-60k",
    "bank_or_issuer": "Wells Fargo",
    "product_name": "Autograph Journey Card",
    "bonus_type": "credit_card",
    "bonus_amount_usd": 1050,
    "bonus_max_usd": null,
    "bonus_points": 60000,
    "annual_fee_usd": 95,
    "requirements": [
      "Earn 60,000 bonus points after spending $4,000 on purchases within the first 3 months from account opening",
      "Points valued ~$1,050 at 1.75 cents per point (TPG September 2026 Wells Fargo Rewards valuation); issuer advertises $600 toward travel",
      "$50 annual statement credit with a minimum $50 airline purchase"
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": false,
    "expiry_date": null,
    "states_available": "nationwide",
    "application_url": "https://creditcards.wellsfargo.com/travel-credit-cards/",
    "source_url": "https://creditcards.wellsfargo.com/travel-credit-cards/?sub_channel=WEB&vendor_code=WF&lp_cx_nm=RVAB00114_CSMHP_MC_RV",
    "last_verified_date": "2026-09-20",
    "offer_history": [],
    "verification": null,
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/wells-fargo-autograph-journey-60k",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "bofa-premium-rewards-elite-75k",
    "bank_or_issuer": "Bank of America",
    "product_name": "Premium Rewards Elite Credit Card",
    "bonus_type": "credit_card",
    "bonus_amount_usd": 750,
    "bonus_max_usd": null,
    "bonus_points": 75000,
    "annual_fee_usd": 550,
    "requirements": [
      "Earn 75,000 online bonus points - a $750 value - after making at least $5,000 in purchases in the first 90 days of account opening",
      "Points worth a fixed 1 cent each toward cash back, travel, statement credits, or gift cards; no transfer partners available",
      "Priority Pass Select membership and statement credits help offset the annual fee"
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": false,
    "expiry_date": null,
    "states_available": "nationwide",
    "application_url": "https://www.bankofamerica.com/credit-cards/products/premium-rewards-elite-credit-card/",
    "source_url": "https://awardwallet.com/credit-cards/bank-of-america/premium-rewards-elite/",
    "last_verified_date": "2026-09-20",
    "offer_history": [],
    "verification": null,
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/bofa-premium-rewards-elite-75k",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "bofa-premium-rewards-60k",
    "bank_or_issuer": "Bank of America",
    "product_name": "Premium Rewards Credit Card",
    "bonus_type": "credit_card",
    "bonus_amount_usd": 600,
    "bonus_max_usd": null,
    "bonus_points": 60000,
    "annual_fee_usd": 95,
    "requirements": [
      "Receive 60,000 online bonus points - a $600 value - after making at least $4,000 in purchases in the first 90 days of account opening",
      "Points worth a fixed 1 cent each toward cash back, travel, statement credits, or gift cards; no transfer partners available",
      "Up to $100 in airline incidental statement credits per calendar year"
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": false,
    "expiry_date": null,
    "states_available": "nationwide",
    "application_url": "https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/",
    "source_url": "https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/",
    "last_verified_date": "2026-10-01",
    "offer_history": [],
    "verification": null,
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/bofa-premium-rewards-60k",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "chase-freedom-flex-250",
    "bank_or_issuer": "Chase",
    "product_name": "Freedom Flex",
    "bonus_type": "credit_card",
    "bonus_amount_usd": 250,
    "bonus_max_usd": null,
    "bonus_points": null,
    "annual_fee_usd": 0,
    "requirements": [
      "Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening",
      "Limited-time promotion; Chase's page states no end date, so re-check before applying",
      "No annual fee"
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": false,
    "expiry_date": null,
    "states_available": "nationwide",
    "application_url": "https://creditcards.chase.com/cash-back-credit-cards/freedom/flex",
    "source_url": "https://creditcards.chase.com/cash-back-credit-cards/freedom/flex",
    "last_verified_date": "2026-09-30",
    "offer_history": [],
    "verification": {
      "method": "issuer_page",
      "sources": [
        "https://creditcards.chase.com/cash-back-credit-cards/freedom/flex",
        "https://thepointsguy.com/credit-cards/chase-freedom-unlimited-freedom-flex-bonuses/"
      ],
      "verified_at": "2026-09-30"
    },
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/chase-freedom-flex-250",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "bofa-customized-cash-200",
    "bank_or_issuer": "Bank of America",
    "product_name": "Customized Cash Rewards",
    "bonus_type": "credit_card",
    "bonus_amount_usd": 200,
    "bonus_max_usd": null,
    "bonus_points": null,
    "annual_fee_usd": 0,
    "requirements": [
      "Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days",
      "No annual fee",
      "Bank of America notes the offer may not be available elsewhere if you leave the application page"
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": false,
    "expiry_date": null,
    "states_available": "nationwide",
    "application_url": "https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/",
    "source_url": "https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/",
    "last_verified_date": "2026-10-01",
    "offer_history": [],
    "verification": {
      "method": "issuer_page",
      "sources": [
        "https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/"
      ],
      "verified_at": "2026-10-01"
    },
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/bofa-customized-cash-200",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "capital-one-quicksilver-200",
    "bank_or_issuer": "Capital One",
    "product_name": "Quicksilver",
    "bonus_type": "credit_card",
    "bonus_amount_usd": 200,
    "bonus_max_usd": null,
    "bonus_points": null,
    "annual_fee_usd": 0,
    "requirements": [
      "Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening",
      "No annual fee",
      "Capital One notes the bonus is available by applying through its page and may not be available if you navigate away from or close that page"
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": false,
    "expiry_date": null,
    "states_available": "nationwide",
    "application_url": "https://www.capitalone.com/credit-cards/quicksilver/",
    "source_url": "https://www.capitalone.com/credit-cards/quicksilver/",
    "last_verified_date": "2026-10-01",
    "offer_history": [],
    "verification": {
      "method": "issuer_page",
      "sources": [
        "https://www.capitalone.com/credit-cards/compare/",
        "https://www.capitalone.com/credit-cards/quicksilver/"
      ],
      "verified_at": "2026-10-01"
    },
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/capital-one-quicksilver-200",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "capital-one-savor-200",
    "bank_or_issuer": "Capital One",
    "product_name": "Savor",
    "bonus_type": "credit_card",
    "bonus_amount_usd": 200,
    "bonus_max_usd": null,
    "bonus_points": null,
    "annual_fee_usd": 0,
    "requirements": [
      "Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening",
      "No annual fee",
      "Capital One notes the bonus is available by applying through its page and may not be available if you navigate away from or close that page"
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": false,
    "expiry_date": null,
    "states_available": "nationwide",
    "application_url": "https://www.capitalone.com/credit-cards/savor/",
    "source_url": "https://www.capitalone.com/credit-cards/savor/",
    "last_verified_date": "2026-10-01",
    "offer_history": [],
    "verification": {
      "method": "issuer_page",
      "sources": [
        "https://www.capitalone.com/credit-cards/savor/",
        "https://www.capitalone.com/credit-cards/compare/"
      ],
      "verified_at": "2026-10-01"
    },
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/capital-one-savor-200",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "chase-freedom-unlimited-200",
    "bank_or_issuer": "Chase",
    "product_name": "Freedom Unlimited",
    "bonus_type": "credit_card",
    "bonus_amount_usd": 200,
    "bonus_max_usd": null,
    "bonus_points": null,
    "annual_fee_usd": 0,
    "requirements": [
      "Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening",
      "No annual fee",
      "Not available to current cardmembers of this card, or to previous cardmembers who received a new cardmember bonus for it within the last 24 months"
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": false,
    "expiry_date": null,
    "states_available": "nationwide",
    "application_url": "https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited",
    "source_url": "https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited",
    "last_verified_date": "2026-10-01",
    "offer_history": [],
    "verification": {
      "method": "issuer_page",
      "sources": [
        "https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited"
      ],
      "verified_at": "2026-10-01"
    },
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/chase-freedom-unlimited-200",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "discover-it-cash-back-match",
    "bank_or_issuer": "Discover",
    "product_name": "it Cash Back",
    "bonus_type": "credit_card",
    "bonus_amount_usd": 0,
    "bonus_max_usd": null,
    "bonus_points": null,
    "annual_fee_usd": 0,
    "requirements": [
      "Intro offer: Unlimited Cashback Match for all new cardmembers - Discover automatically matches all the cash back you earned at the end of your first year",
      "No minimum spending requirement and no maximum rewards cap; e.g., $300 earned becomes $600",
      "Bonus value estimated at ~$525 based on WalletHub's calculation of the average person's first-year match value; actual value is unlimited and spend-dependent",
      "5% cash back on rotating quarterly categories on up to $1,500 in purchases (activation required); 1% on all other purchases",
      "This card pays an UNCAPPED dollar-for-dollar cashback match on all cash back earned in the first year, with no purchase minimum and no maximum. Discover publishes no fixed dollar bonus, so there is no single headline amount (the previously stored $525 was a third-party average estimate)."
    ],
    "min_deposit_usd": null,
    "direct_deposit_required": false,
    "expiry_date": null,
    "states_available": "nationwide",
    "application_url": "https://www.discover.com/credit-cards/cash-back/it-card.html",
    "source_url": "https://www.discover.com/credit-cards/cash-back/it-card.html",
    "last_verified_date": "2026-10-01",
    "offer_history": [],
    "verification": null,
    "status": "active",
    "eligibility": null,
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/discover-it-cash-back-match",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  },
  {
    "id": "barclays-tiered-savings-200",
    "bank_or_issuer": "Barclays",
    "product_name": "Tiered Savings",
    "bonus_type": "savings",
    "bonus_amount_usd": 200,
    "bonus_max_usd": null,
    "bonus_points": null,
    "annual_fee_usd": null,
    "requirements": [
      "Open a new Barclays Tiered Savings account by October 31, 2026",
      "Fund the new account with at least $25,000 within the first 30 days of opening",
      "Maintain a balance of at least $25,000 for 120 days",
      "Current and previous Barclays customers with a Savings account or CD are not eligible",
      "The bonus is treated as interest for tax purposes and may be reported on Form 1099-INT",
      "No monthly maintenance fee"
    ],
    "min_deposit_usd": 25000,
    "direct_deposit_required": false,
    "expiry_date": "2026-10-31",
    "states_available": "nationwide",
    "application_url": "https://banking.us.barclays/tiered-savings.html",
    "source_url": "https://banking.us.barclays/tiered-savings.html",
    "last_verified_date": "2026-09-30",
    "offer_history": [],
    "verification": {
      "method": "issuer_page",
      "sources": [
        "https://banking.us.barclays/tiered-savings.html"
      ],
      "verified_at": "2026-09-30"
    },
    "status": "active",
    "eligibility": {
      "cooldown_months": null,
      "issuer_rules": [
        "Existing or previous Barclays Savings/CD customers are not eligible"
      ],
      "new_to_bank": true,
      "once_per_lifetime": null
    },
    "sponsored": false,
    "apply_url": "https://aiagentscity.com/benefits/go/barclays-tiered-savings-200",
    "disclosure_url": "https://aiagentscity.com/benefits/disclosure"
  }
]