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skills/find-best-cashback/data/cards-us.json
19.8 KB · Oct 5, 2026 · 18:30 UTC
{
"schema_version": 1,
"country": "US",
"currency": "USD",
"as_of": "2026-05",
"provenance": "Model-knowledge snapshot, NOT a live feed. Issuers change rates, caps and exclusions without notice. Verify any rate that decides the recommendation against the issuer's own benefits or terms page before presenting it as current.",
"cards": [
{
"id": "amex-bcp",
"name": "American Express Blue Cash Preferred",
"issuer": "American Express",
"network": "amex",
"currency": "USD",
"reward_type": "cashback",
"annual_fee": 95,
"base_rate": 1,
"foreign_transaction_fee_percent": 2.7,
"as_of": "2026-05",
"source": "https://www.americanexpress.com/us/credit-cards/card/blue-cash-preferred/",
"rules": [
{
"id": "supermarkets",
"label": "6% U.S. supermarkets",
"unit": "percent",
"rate": 6,
"match": {"categories": ["grocery"]},
"excludes": {
"categories": ["superstore", "warehouse_club"],
"merchants": ["walmart", "target", "costco", "sams-club"]
},
"cap": {"basis": "spend", "amount": 6000, "period": "year", "shared_key": "amex-bcp-grocery"},
"confidence": "high",
"note": "Superstores, warehouse clubs and meal-kit services are excluded; after the $6,000 annual cap the rate drops to 1%."
},
{
"id": "streaming",
"label": "6% select U.S. streaming",
"unit": "percent",
"rate": 6,
"match": {"categories": ["streaming"]},
"confidence": "medium",
"note": "Only services on Amex's published eligible-streaming list qualify."
},
{
"id": "gas",
"label": "3% U.S. gas stations",
"unit": "percent",
"rate": 3,
"match": {"categories": ["gas"]},
"excludes": {"categories": ["superstore", "warehouse_club"], "merchants": ["costco-gas"]},
"confidence": "high"
},
{
"id": "transit",
"label": "3% transit",
"unit": "percent",
"rate": 3,
"match": {"categories": ["transit", "rideshare"]},
"confidence": "medium"
}
]
},
{
"id": "amex-bce",
"name": "American Express Blue Cash Everyday",
"issuer": "American Express",
"network": "amex",
"currency": "USD",
"reward_type": "cashback",
"annual_fee": 0,
"base_rate": 1,
"foreign_transaction_fee_percent": 2.7,
"as_of": "2026-05",
"source": "https://www.americanexpress.com/us/credit-cards/card/blue-cash-everyday/",
"rules": [
{
"id": "supermarkets",
"label": "3% U.S. supermarkets",
"unit": "percent",
"rate": 3,
"match": {"categories": ["grocery"]},
"excludes": {"categories": ["superstore", "warehouse_club"], "merchants": ["walmart", "target", "costco"]},
"cap": {"basis": "spend", "amount": 6000, "period": "year", "shared_key": "amex-bce-grocery"},
"confidence": "high"
},
{
"id": "online-retail",
"label": "3% U.S. online retail",
"unit": "percent",
"rate": 3,
"match": {"categories": ["online_retail"]},
"cap": {"basis": "spend", "amount": 6000, "period": "year", "shared_key": "amex-bce-online"},
"confidence": "medium"
},
{
"id": "gas",
"label": "3% U.S. gas stations",
"unit": "percent",
"rate": 3,
"match": {"categories": ["gas"]},
"excludes": {"merchants": ["costco-gas"]},
"cap": {"basis": "spend", "amount": 6000, "period": "year", "shared_key": "amex-bce-gas"},
"confidence": "high"
}
]
},
{
"id": "chase-freedom-flex",
"name": "Chase Freedom Flex",
"issuer": "Chase",
"network": "mastercard",
"currency": "USD",
"reward_type": "cashback",
"annual_fee": 0,
"base_rate": 1,
"foreign_transaction_fee_percent": 3,
"as_of": "2026-05",
"source": "https://creditcards.chase.com/cash-back-credit-cards/freedom/flex",
"rules": [
{
"id": "rotating",
"label": "5% rotating quarterly category",
"unit": "percent",
"rate": 5,
"match": {"categories": ["__rotating__"]},
"cap": {"basis": "spend", "amount": 1500, "period": "quarter", "shared_key": "chase-rotating"},
"activation_required": true,
"confidence": "low",
"note": "The 5% category changes every quarter and must be activated. Look up the current quarter's list and pass the matching category in the purchase before trusting this rule."
},
{
"id": "dining",
"label": "3% dining",
"unit": "percent",
"rate": 3,
"match": {"categories": ["dining", "fast_food", "delivery"]},
"confidence": "high"
},
{
"id": "drugstore",
"label": "3% drugstores",
"unit": "percent",
"rate": 3,
"match": {"categories": ["drugstore"]},
"confidence": "high"
}
]
},
{
"id": "chase-freedom-unlimited",
"name": "Chase Freedom Unlimited",
"issuer": "Chase",
"network": "visa",
"currency": "USD",
"reward_type": "cashback",
"annual_fee": 0,
"base_rate": 1.5,
"base_label": "1.5% everything else",
"foreign_transaction_fee_percent": 3,
"as_of": "2026-05",
"source": "https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited",
"rules": [
{
"id": "dining",
"label": "3% dining",
"unit": "percent",
"rate": 3,
"match": {"categories": ["dining", "fast_food", "delivery"]},
"confidence": "high"
},
{
"id": "drugstore",
"label": "3% drugstores",
"unit": "percent",
"rate": 3,
"match": {"categories": ["drugstore"]},
"confidence": "high"
}
]
},
{
"id": "citi-custom-cash",
"name": "Citi Custom Cash",
"issuer": "Citi",
"network": "mastercard",
"currency": "USD",
"reward_type": "cashback",
"annual_fee": 0,
"base_rate": 1,
"foreign_transaction_fee_percent": 3,
"as_of": "2026-05",
"source": "https://www.citi.com/credit-cards/citi-custom-cash-credit-card",
"rules": [
{
"id": "top-category",
"label": "5% on your top eligible category this cycle",
"unit": "percent",
"rate": 5,
"match": {
"categories": ["grocery", "gas", "dining", "fast_food", "drugstore", "transit",
"streaming", "home_improvement", "entertainment", "travel"]
},
"cap": {"basis": "spend", "amount": 500, "period": "month", "shared_key": "citi-custom"},
"confidence": "medium",
"note": "5% applies only to the single eligible category where the user spends the most in that billing cycle, capped at $500 of spend. If this purchase is not in their top category, it earns 1%. Confirm with the user before scoring it as the winner."
}
]
},
{
"id": "citi-double-cash",
"name": "Citi Double Cash",
"issuer": "Citi",
"network": "mastercard",
"currency": "USD",
"reward_type": "cashback",
"annual_fee": 0,
"base_rate": 2,
"base_label": "2% on everything (1% buy + 1% pay)",
"foreign_transaction_fee_percent": 3,
"as_of": "2026-05",
"source": "https://www.citi.com/credit-cards/citi-double-cash-credit-card",
"rules": [],
"notes": "The second 1% only posts as the balance is paid off."
},
{
"id": "discover-it",
"name": "Discover it Cash Back",
"issuer": "Discover",
"network": "discover",
"currency": "USD",
"reward_type": "cashback",
"annual_fee": 0,
"base_rate": 1,
"foreign_transaction_fee_percent": 0,
"as_of": "2026-05",
"source": "https://www.discover.com/credit-cards/cash-back/it-card.html",
"rules": [
{
"id": "rotating",
"label": "5% rotating quarterly category",
"unit": "percent",
"rate": 5,
"match": {"categories": ["__rotating__"]},
"cap": {"basis": "spend", "amount": 1500, "period": "quarter", "shared_key": "discover-rotating"},
"activation_required": true,
"confidence": "low",
"note": "Quarterly category must be activated. Check the current calendar before applying."
}
]
},
{
"id": "capital-one-savor",
"name": "Capital One Savor",
"issuer": "Capital One",
"network": "mastercard",
"currency": "USD",
"reward_type": "cashback",
"annual_fee": 0,
"base_rate": 1,
"foreign_transaction_fee_percent": 0,
"as_of": "2026-05",
"source": "https://www.capitalone.com/credit-cards/savor-dining-rewards/",
"rules": [
{
"id": "dining-entertainment",
"label": "3% dining, entertainment, streaming and grocery",
"unit": "percent",
"rate": 3,
"match": {"categories": ["dining", "fast_food", "delivery", "entertainment", "streaming", "grocery"]},
"excludes": {"categories": ["superstore", "warehouse_club"], "merchants": ["walmart", "target"]},
"confidence": "high",
"note": "Grocery earning excludes superstores such as Walmart and Target."
}
]
},
{
"id": "capital-one-quicksilver",
"name": "Capital One Quicksilver",
"issuer": "Capital One",
"network": "visa",
"currency": "USD",
"reward_type": "cashback",
"annual_fee": 0,
"base_rate": 1.5,
"base_label": "1.5% on everything",
"foreign_transaction_fee_percent": 0,
"as_of": "2026-05",
"source": "https://www.capitalone.com/credit-cards/quicksilver/",
"rules": []
},
{
"id": "wells-fargo-active-cash",
"name": "Wells Fargo Active Cash",
"issuer": "Wells Fargo",
"network": "visa",
"currency": "USD",
"reward_type": "cashback",
"annual_fee": 0,
"base_rate": 2,
"base_label": "2% on everything",
"foreign_transaction_fee_percent": 3,
"as_of": "2026-05",
"source": "https://creditcards.wellsfargo.com/active-cash-credit-card/",
"rules": []
},
{
"id": "boa-customized-cash",
"name": "Bank of America Customized Cash Rewards",
"issuer": "Bank of America",
"network": "visa",
"currency": "USD",
"reward_type": "cashback",
"annual_fee": 0,
"base_rate": 1,
"foreign_transaction_fee_percent": 3,
"as_of": "2026-05",
"source": "https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/",
"rules": [
{
"id": "choice",
"label": "3% in your chosen category",
"unit": "percent",
"rate": 3,
"match": {"categories": ["gas", "ev_charging", "online_retail", "dining", "travel", "drugstore", "home_improvement"]},
"cap": {"basis": "spend", "amount": 2500, "period": "quarter", "shared_key": "boa-combined"},
"confidence": "low",
"note": "Only one chosen category earns 3%. Ask which category the user selected before applying this."
},
{
"id": "grocery-wholesale",
"label": "2% grocery and wholesale clubs",
"unit": "percent",
"rate": 2,
"match": {"categories": ["grocery", "warehouse_club"]},
"cap": {"basis": "spend", "amount": 2500, "period": "quarter", "shared_key": "boa-combined"},
"confidence": "medium",
"note": "The 3% and 2% categories share one combined $2,500 quarterly cap. Preferred Rewards members earn a 25-75% bonus on top."
}
]
},
{
"id": "amex-gold",
"name": "American Express Gold Card",
"issuer": "American Express",
"network": "amex",
"currency": "USD",
"reward_type": "points",
"point_value_cents": 1.8,
"annual_fee": 325,
"base_rate": 1,
"base_unit": "points_per_unit",
"foreign_transaction_fee_percent": 0,
"as_of": "2026-05",
"source": "https://www.americanexpress.com/us/credit-cards/card/gold-card/",
"rules": [
{
"id": "dining",
"label": "4x restaurants",
"unit": "points_per_unit",
"rate": 4,
"match": {"categories": ["dining", "fast_food", "delivery"]},
"cap": {"basis": "spend", "amount": 50000, "period": "year", "shared_key": "amex-gold-dining"},
"confidence": "high"
},
{
"id": "supermarkets",
"label": "4x U.S. supermarkets",
"unit": "points_per_unit",
"rate": 4,
"match": {"categories": ["grocery"]},
"excludes": {"categories": ["superstore", "warehouse_club"], "merchants": ["walmart", "target", "costco"]},
"cap": {"basis": "spend", "amount": 25000, "period": "year", "shared_key": "amex-gold-grocery"},
"confidence": "high"
},
{
"id": "flights",
"label": "3x flights booked direct or with Amex Travel",
"unit": "points_per_unit",
"rate": 3,
"match": {"categories": ["airline"]},
"confidence": "medium"
}
],
"notes": "Membership Rewards points are only worth ~1.8c when transferred to airline partners; at 1c statement credit this card is much weaker than the headline multiplier suggests."
},
{
"id": "chase-sapphire-preferred",
"name": "Chase Sapphire Preferred",
"issuer": "Chase",
"network": "visa",
"currency": "USD",
"reward_type": "points",
"point_value_cents": 1.7,
"annual_fee": 95,
"base_rate": 1,
"base_unit": "points_per_unit",
"foreign_transaction_fee_percent": 0,
"as_of": "2026-05",
"source": "https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred",
"rules": [
{
"id": "dining",
"label": "3x dining",
"unit": "points_per_unit",
"rate": 3,
"match": {"categories": ["dining", "fast_food", "delivery"]},
"confidence": "high"
},
{
"id": "streaming",
"label": "3x select streaming",
"unit": "points_per_unit",
"rate": 3,
"match": {"categories": ["streaming"]},
"confidence": "medium"
},
{
"id": "travel",
"label": "2x travel",
"unit": "points_per_unit",
"rate": 2,
"match": {"categories": ["travel", "airline", "hotel", "transit", "rideshare"]},
"confidence": "high"
}
]
},
{
"id": "amazon-prime-visa",
"name": "Prime Visa (Chase)",
"issuer": "Chase",
"network": "visa",
"currency": "USD",
"reward_type": "cashback",
"annual_fee": 0,
"base_rate": 1,
"foreign_transaction_fee_percent": 0,
"as_of": "2026-05",
"source": "https://www.amazon.com/creditcard",
"rules": [
{
"id": "amazon",
"label": "5% at Amazon and Whole Foods",
"unit": "percent",
"rate": 5,
"match": {"merchants": ["amazon", "whole-foods"]},
"confidence": "high",
"note": "Requires an active Prime membership; without Prime the rate is 3%."
},
{
"id": "everyday",
"label": "2% dining, gas and transit",
"unit": "percent",
"rate": 2,
"match": {"categories": ["dining", "fast_food", "gas", "transit", "drugstore"]},
"confidence": "high"
}
]
},
{
"id": "target-redcard",
"name": "Target Circle Card",
"issuer": "TD Bank",
"network": "mastercard",
"currency": "USD",
"reward_type": "cashback",
"annual_fee": 0,
"base_rate": 0,
"base_label": "no earning outside Target",
"foreign_transaction_fee_percent": 3,
"as_of": "2026-05",
"source": "https://www.target.com/circlecard",
"rules": [
{
"id": "target",
"label": "5% off at Target",
"unit": "percent",
"rate": 5,
"match": {"merchants": ["target"]},
"confidence": "high",
"note": "This is an instant 5% discount at checkout rather than accrued cashback, and it does not apply anywhere else."
}
]
},
{
"id": "costco-anywhere-visa",
"name": "Costco Anywhere Visa (Citi)",
"issuer": "Citi",
"network": "visa",
"currency": "USD",
"reward_type": "cashback",
"annual_fee": 0,
"base_rate": 1,
"foreign_transaction_fee_percent": 0,
"as_of": "2026-05",
"source": "https://www.citi.com/credit-cards/citi-costco-anywhere-visa-credit-card",
"rules": [
{
"id": "gas",
"label": "4% on eligible gas and EV charging",
"unit": "percent",
"rate": 4,
"match": {"categories": ["gas", "ev_charging"]},
"cap": {"basis": "spend", "amount": 7000, "period": "year", "shared_key": "costco-gas"},
"confidence": "high",
"note": "Drops to 1% after $7,000 of gas spend per year."
},
{
"id": "dining-travel",
"label": "3% restaurants and eligible travel",
"unit": "percent",
"rate": 3,
"match": {"categories": ["dining", "fast_food", "travel", "airline", "hotel"]},
"confidence": "high"
},
{
"id": "costco",
"label": "2% at Costco",
"unit": "percent",
"rate": 2,
"match": {"merchants": ["costco"]},
"confidence": "high"
}
],
"notes": "Rewards pay out once a year as a certificate redeemable at Costco, not as ongoing statement credit."
},
{
"id": "us-bank-cash-plus",
"name": "U.S. Bank Cash+",
"issuer": "U.S. Bank",
"network": "visa",
"currency": "USD",
"reward_type": "cashback",
"annual_fee": 0,
"base_rate": 1,
"foreign_transaction_fee_percent": 3,
"as_of": "2026-05",
"source": "https://www.usbank.com/credit-cards/cash-plus-visa-signature-credit-card.html",
"rules": [
{
"id": "choice-5",
"label": "5% in two chosen categories",
"unit": "percent",
"rate": 5,
"match": {"categories": ["utility", "telecom", "streaming", "electronics", "home_improvement", "entertainment", "department_store"]},
"cap": {"basis": "spend", "amount": 2000, "period": "quarter", "shared_key": "usbank-5"},
"activation_required": true,
"confidence": "low",
"note": "Categories must be chosen each quarter. Confirm the user's selections before applying."
},
{
"id": "choice-2",
"label": "2% in one chosen everyday category",
"unit": "percent",
"rate": 2,
"match": {"categories": ["gas", "grocery", "dining"]},
"confidence": "low",
"note": "Only one everyday category is selected at a time."
}
]
}
]
}
SHA-256: 0b34c95f1257f3128e72c40b0a622da5be791e2b1ce0692e619b446a4261550b