[
 {"id":"wf-reflect","card":"Wells Fargo Reflect® Card","issuer":"wells-fargo","type":"personal","institution":"bank",
  "purchase_intro":{"rate":"0%","length":21,"unit":"months"},"bt_intro":{"rate":"0%","length":21,"unit":"months","window":"BTs made within 120 days of account opening"},
  "bt_fee":"5% (min $5)","annual_fee":"$0","go_to_apr":"17.74%, 24.24% or 28.49% variable",
  "source_url":"https://creditcards.wellsfargo.com/reflect-visa-credit-card/","terms_url":"https://www.wellsfargo.com/credit-cards/reflect-visa/terms/",
  "last_verified":"2026-10-17","affiliate_url":null,"notes":"BT fee from Wells Fargo's Important Credit Terms page (no reduced intro BT fee shown)."},
 {"id":"wf-active-cash","card":"Wells Fargo Active Cash® Card","issuer":"wells-fargo","type":"personal","institution":"bank",
  "purchase_intro":{"rate":"0%","length":12,"unit":"months"},"bt_intro":{"rate":"0%","length":12,"unit":"months","window":"BTs made within 120 days"},
  "bt_fee":"3% (min $5) for 120 days, then up to 5% (min $5)","annual_fee":"$0","go_to_apr":"18.74%, 24.74% or 28.74% variable",
  "source_url":"https://creditcards.wellsfargo.com/active-cash-credit-card/","terms_url":"https://www.wellsfargo.com/credit-cards/active-cash/terms/",
  "last_verified":"2026-10-17","affiliate_url":null,"notes":""},
 {"id":"citi-simplicity","card":"Citi Simplicity® Card","issuer":"citi","type":"personal","institution":"bank",
  "purchase_intro":{"rate":"0%","length":18,"unit":"months"},"bt_intro":{"rate":"0%","length":18,"unit":"months","window":"BTs completed within first 4 months"},
  "bt_fee":"3% (min $5) intro within 4 months, then 5% (min $5)","annual_fee":"$0","go_to_apr":"17.74% – 28.49% variable",
  "source_url":"https://www.citi.com/credit-cards/citi-simplicity-credit-card","terms_url":null,
  "last_verified":"2026-10-17","affiliate_url":null,"notes":"No late fees and no penalty rate per Citi."},
 {"id":"citi-diamond-preferred","card":"Citi® Diamond Preferred® Card","issuer":"citi","type":"personal","institution":"bank",
  "purchase_intro":{"rate":"0%","length":12,"unit":"months"},"bt_intro":{"rate":"0%","length":21,"unit":"months","window":"BTs completed within first 4 months"},
  "bt_fee":"3% (min $5) intro within 4 months, then 5% (min $5)","annual_fee":"$0","go_to_apr":"16.74% – 27.49% variable",
  "source_url":"https://www.citi.com/credit-cards/citi-diamond-preferred-credit-card","terms_url":null,
  "last_verified":"2026-10-17","affiliate_url":null,"notes":""},
 {"id":"citi-double-cash","card":"Citi Double Cash® Card","issuer":"citi","type":"personal","institution":"bank",
  "purchase_intro":null,"bt_intro":{"rate":"0%","length":18,"unit":"months","window":"BTs completed within first 4 months"},
  "bt_fee":"3% (min $5) intro within 4 months, then 5% (min $5)","annual_fee":"$0","go_to_apr":"18.49% – 28.74% variable",
  "source_url":"https://www.citi.com/credit-cards/citi-double-cash-credit-card","terms_url":null,
  "last_verified":"2026-10-17","affiliate_url":null,"notes":"Balance-transfer-only intro; no intro APR on purchases."},
 {"id":"chase-freedom-unlimited","card":"Chase Freedom Unlimited®","issuer":"chase","type":"personal","institution":"bank",
  "purchase_intro":{"rate":"0%","length":15,"unit":"months"},"bt_intro":{"rate":"0%","length":15,"unit":"months","window":"Intro BT fee applies to BTs within 60 days"},
  "bt_fee":"Greater of $5 or 3% within 60 days, then greater of $5 or 5%","annual_fee":"$0","go_to_apr":"18.49% – 27.99% variable",
  "source_url":"https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited","terms_url":"https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC61498.html",
  "last_verified":"2026-10-17","affiliate_url":null,"notes":"Chase pricing page states variable APRs are based on a 7.00% Prime Rate as of 9/22/2026."},
 {"id":"chase-freedom-flex","card":"Chase Freedom Flex®","issuer":"chase","type":"personal","institution":"bank",
  "purchase_intro":{"rate":"0%","length":15,"unit":"months"},"bt_intro":{"rate":"0%","length":15,"unit":"months","window":"Intro BT fee applies to BTs within 60 days"},
  "bt_fee":"Greater of $5 or 3% within 60 days, then greater of $5 or 5%","annual_fee":"$0","go_to_apr":"18.49% – 27.99% variable",
  "source_url":"https://creditcards.chase.com/cash-back-credit-cards/freedom/flex","terms_url":"https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65280.html",
  "last_verified":"2026-10-17","affiliate_url":null,"notes":""},
 {"id":"chase-slate","card":"Chase Slate® Credit Card","issuer":"chase","type":"personal","institution":"bank",
  "purchase_intro":{"rate":"0%","length":21,"unit":"months"},"bt_intro":{"rate":"0%","length":21,"unit":"months","window":null},
  "bt_fee":"Greater of $5 or 5%","annual_fee":"$0","go_to_apr":"18.49% – 28.49% variable",
  "source_url":"https://creditcards.chase.com/0-intro-apr-credit-cards","terms_url":"https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC63300.html",
  "last_verified":"2026-10-17","affiliate_url":null,"notes":"Verified on Chase's 0% intro APR listing page; the old Slate Edge product URL returns 404. BT fee from the linked 21-month Chase pricing page."},
 {"id":"chase-united-gateway","card":"United Gateway℠ Card (Chase)","issuer":"chase","type":"personal","institution":"bank",
  "purchase_intro":{"rate":"0%","length":12,"unit":"months"},"bt_intro":null,
  "bt_fee":null,"annual_fee":"$0","go_to_apr":"19.99% – 28.49% variable",
  "source_url":"https://creditcards.chase.com/0-intro-apr-credit-cards","terms_url":null,
  "last_verified":"2026-10-17","affiliate_url":null,"notes":"Purchase-only intro. BT fee not verified."},
 {"id":"chase-ink-unlimited","card":"Ink Business Unlimited®","issuer":"chase","type":"business","institution":"bank",
  "purchase_intro":{"rate":"0%","length":12,"unit":"months"},"bt_intro":null,
  "bt_fee":"Greater of $5 or 5% (no intro BT APR)","annual_fee":"$0","go_to_apr":"16.99% – 24.99% variable",
  "source_url":"https://creditcards.chase.com/business-credit-cards/ink/unlimited","terms_url":"https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC63749.html",
  "last_verified":"2026-10-17","affiliate_url":null,"notes":""},
 {"id":"chase-ink-cash","card":"Ink Business Cash®","issuer":"chase","type":"business","institution":"bank",
  "purchase_intro":{"rate":"0%","length":12,"unit":"months"},"bt_intro":null,
  "bt_fee":null,"annual_fee":"$0","go_to_apr":"16.99% – 24.99% variable",
  "source_url":"https://creditcards.chase.com/business-credit-cards/ink/cash","terms_url":"https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC63827.html",
  "last_verified":"2026-10-17","affiliate_url":null,"notes":"Purchase-only intro."},
 {"id":"amex-blue-business-cash","card":"Blue Business Cash™ Card (Amex)","issuer":"amex","type":"business","institution":"bank",
  "purchase_intro":{"rate":"0%","length":12,"unit":"months"},"bt_intro":null,
  "bt_fee":null,"annual_fee":"$0","go_to_apr":"16.99% – 28.74% variable",
  "source_url":"https://www.americanexpress.com/en-us/business/credit-cards/blue-business-cash/","terms_url":null,
  "last_verified":"2026-10-17","affiliate_url":null,"notes":"Purchase-only intro."},
 {"id":"amex-blue-business-plus","card":"Blue Business® Plus Card (Amex)","issuer":"amex","type":"business","institution":"bank",
  "purchase_intro":{"rate":"0%","length":12,"unit":"months"},"bt_intro":null,
  "bt_fee":null,"annual_fee":"$0","go_to_apr":"16.99% – 28.74% variable",
  "source_url":"https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-blue-business-plus-credit-card-amex/","terms_url":null,
  "last_verified":"2026-10-17","affiliate_url":null,"notes":"Purchase-only intro."},
 {"id":"amex-blue-cash-everyday","card":"Blue Cash Everyday® Card (Amex)","issuer":"amex","type":"personal","institution":"bank",
  "purchase_intro":{"rate":"0%","length":18,"unit":"months","up_to":true,"min_length":6},"bt_intro":{"rate":"0%","length":18,"unit":"months","up_to":true,"min_length":6,"window":null},
  "bt_fee":null,"annual_fee":"$0","go_to_apr":"19.74% – 28.74% variable",
  "source_url":"https://www.americanexpress.com/us/credit-cards/card/blue-cash-everyday/","terms_url":null,
  "last_verified":"2026-10-17","affiliate_url":null,"notes":"Amex says 'up to 18 months'. Your intro length is shown after you apply and may be as short as 6 months. BT fee not verified."},
 {"id":"capone-quicksilver","card":"Capital One Quicksilver","issuer":"capital-one","type":"personal","institution":"bank",
  "purchase_intro":{"rate":"0%","length":15,"unit":"months"},"bt_intro":{"rate":"0%","length":15,"unit":"months","window":null},
  "bt_fee":null,"annual_fee":"$0","go_to_apr":"18.74% – 28.74% variable",
  "source_url":"https://www.capitalone.com/credit-cards/quicksilver/","terms_url":null,
  "last_verified":"2026-10-17","affiliate_url":null,"notes":"Capital One says a balance transfer fee applies; the amount wasn't verified."},
 {"id":"capone-savor","card":"Capital One Savor","issuer":"capital-one","type":"personal","institution":"bank",
  "purchase_intro":{"rate":"0%","length":12,"unit":"months"},"bt_intro":{"rate":"0%","length":12,"unit":"months","window":null},
  "bt_fee":null,"annual_fee":"$0","go_to_apr":"18.74% – 28.74% variable",
  "source_url":"https://www.capitalone.com/credit-cards/savor/","terms_url":null,
  "last_verified":"2026-10-17","affiliate_url":null,"notes":"Capital One says a balance transfer fee applies; the amount wasn't verified."},
 {"id":"capone-spark-cash-select","card":"Capital One Spark 1.5% Cash Select","issuer":"capital-one","type":"business","institution":"bank",
  "purchase_intro":{"rate":"0%","length":9,"unit":"months"},"bt_intro":null,
  "bt_fee":null,"annual_fee":"$0","go_to_apr":"16.99% – 26.99% variable",
  "source_url":"https://www.capitalone.com/small-business/credit-cards/spark-cash-select/","terms_url":null,
  "last_verified":"2026-10-17","affiliate_url":null,"notes":"Page says '0% intro APR for 9 months' without saying whether it covers purchases, BTs or both. It's listed here as purchases. Check the rates & fees."},
 {"id":"boa-customized-cash","card":"Bank of America® Customized Cash Rewards","issuer":"bank-of-america","type":"personal","institution":"bank",
  "purchase_intro":{"rate":"0%","length":15,"unit":"billing cycles"},"bt_intro":{"rate":"0%","length":15,"unit":"billing cycles","window":"BTs made within first 60 days"},
  "bt_fee":"3% for first 60 days, then 5%","annual_fee":"$0","go_to_apr":"17.74% – 27.74% variable",
  "source_url":"https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/","terms_url":null,
  "last_verified":"2026-10-17","affiliate_url":null,"notes":""},
 {"id":"boa-unlimited-cash","card":"Bank of America® Unlimited Cash Rewards","issuer":"bank-of-america","type":"personal","institution":"bank",
  "purchase_intro":{"rate":"0%","length":15,"unit":"billing cycles"},"bt_intro":{"rate":"0%","length":15,"unit":"billing cycles","window":"BTs made within first 60 days"},
  "bt_fee":"3% for first 60 days, then 5%","annual_fee":"$0","go_to_apr":"17.74% – 27.74% variable",
  "source_url":"https://www.bankofamerica.com/credit-cards/products/unlimited-cash-back-credit-card/","terms_url":null,
  "last_verified":"2026-10-17","affiliate_url":null,"notes":""},
 {"id":"boa-bankamericard","card":"BankAmericard® credit card","issuer":"bank-of-america","type":"personal","institution":"bank",
  "purchase_intro":{"rate":"0%","length":21,"unit":"billing cycles"},"bt_intro":{"rate":"0%","length":21,"unit":"billing cycles","window":"BTs made within 60 days"},
  "bt_fee":"5%","annual_fee":"$0","go_to_apr":"15.24% – 26.24% variable",
  "source_url":"https://www.bankofamerica.com/credit-cards/products/bankamericard-credit-card/","terms_url":null,
  "last_verified":"2026-10-17","affiliate_url":null,"notes":""},
 {"id":"boa-biz-unlimited-cash","card":"Business Advantage Unlimited Cash Rewards Mastercard®","issuer":"bank-of-america","type":"business","institution":"bank",
  "purchase_intro":{"rate":"0%","length":7,"unit":"billing cycles"},"bt_intro":null,
  "bt_fee":null,"annual_fee":"$0","go_to_apr":"16.99% – 26.99% variable",
  "source_url":"https://business.bankofamerica.com/en/credit-cards/business-advantage-unlimited-cash-rewards","terms_url":"https://www.bankofamerica.com/smallbusiness/credit-cards/terms-and-conditions/?campaignid=4078727&productoffercode=7B&locale=en_US",
  "last_verified":"2026-10-17","affiliate_url":null,"notes":"Purchase-only intro."},
 {"id":"boa-biz-customized-cash","card":"Business Advantage Customized Cash Rewards Mastercard®","issuer":"bank-of-america","type":"business","institution":"bank",
  "purchase_intro":{"rate":"0%","length":7,"unit":"billing cycles"},"bt_intro":null,
  "bt_fee":null,"annual_fee":"$0","go_to_apr":"16.99% – 26.99% variable",
  "source_url":"https://business.bankofamerica.com/en/credit-cards/business-advantage-customized-cash-rewards","terms_url":null,
  "last_verified":"2026-10-17","affiliate_url":null,"notes":"Purchase-only intro."},
 {"id":"boa-biz-platinum-plus","card":"Platinum Plus® Mastercard® Business card","issuer":"bank-of-america","type":"business","institution":"bank",
  "purchase_intro":{"rate":"0%","length":15,"unit":"billing cycles"},"bt_intro":null,
  "bt_fee":null,"annual_fee":"$0","go_to_apr":"14.99% – 25.99% variable",
  "source_url":"https://business.bankofamerica.com/en/credit-cards/platinum-plus","terms_url":null,
  "last_verified":"2026-10-17","affiliate_url":null,"notes":"Purchase-only intro."},
 {"id":"usb-shield","card":"U.S. Bank Shield™ Visa® Card","issuer":"us-bank","type":"personal","institution":"bank",
  "purchase_intro":{"rate":"0%","length":21,"unit":"billing cycles"},"bt_intro":{"rate":"0%","length":21,"unit":"billing cycles","window":"BTs made within 60 days"},
  "bt_fee":"5% (min $5)","annual_fee":"$0","go_to_apr":"17.24% – 28.24% variable",
  "source_url":"https://www.usbank.com/credit-cards/shield-visa-credit-card.html","terms_url":null,
  "last_verified":"2026-10-17","affiliate_url":null,"notes":"U.S. Bank calls this a 'limited time' offer."},
 {"id":"usb-biz-triple-cash","card":"U.S. Bank Triple Cash Rewards Visa® Business Card","issuer":"us-bank","type":"business","institution":"bank",
  "purchase_intro":{"rate":"0%","length":12,"unit":"billing cycles"},"bt_intro":{"rate":"0%","length":12,"unit":"billing cycles","window":"BTs made within 30 days"},
  "bt_fee":"5% (min $5)","annual_fee":"$0","go_to_apr":"17.49% – 26.49% variable",
  "source_url":"https://www.usbank.com/business-banking/business-credit-cards/business-triple-cash-back-credit-card.html","terms_url":null,
  "last_verified":"2026-10-17","affiliate_url":null,"notes":""},
 {"id":"usb-biz-shield","card":"U.S. Bank Business Shield™ Visa® Card","issuer":"us-bank","type":"business","institution":"bank",
  "purchase_intro":{"rate":"0%","length":12,"unit":"billing cycles"},"bt_intro":{"rate":"0%","length":12,"unit":"billing cycles","window":"BTs made within 30 days"},
  "bt_fee":"5% (min $5)","annual_fee":"$0","go_to_apr":"16.49% – 25.49% variable",
  "source_url":"https://www.usbank.com/business-banking/business-credit-cards/business-shield-credit-card.html","terms_url":null,
  "last_verified":"2026-10-17","affiliate_url":null,"notes":"The old business-platinum URL redirects here."},
 {"id":"discover-it-cash-back","card":"Discover it® Cash Back","issuer":"discover","type":"personal","institution":"bank",
  "purchase_intro":{"rate":"0%","length":15,"unit":"months"},"bt_intro":{"rate":"0%","length":15,"unit":"months","window":null},
  "bt_fee":null,"annual_fee":"$0","go_to_apr":"17.74% – 26.74% variable",
  "source_url":"https://www.discover.com/credit-cards/cash-back/it-card.html","terms_url":null,
  "last_verified":"2026-10-17","affiliate_url":null,"notes":"Discover says a balance transfer fee applies; the amount wasn't verified."},
 {"id":"truist-enjoy-cash","card":"Truist Enjoy Cash","issuer":"truist","type":"personal","institution":"bank",
  "purchase_intro":{"rate":"0%","length":12,"unit":"months"},"bt_intro":{"rate":"0%","length":12,"unit":"months","window":"BTs made in first 90 days"},
  "bt_fee":"3% (min $10)","annual_fee":"$0","go_to_apr":"18.99% – 27.99% variable",
  "source_url":"https://www.truist.com/credit-cards/enjoy-cash","terms_url":null,
  "last_verified":"2026-10-17","affiliate_url":null,"notes":""},
 {"id":"alliant-visa-platinum","card":"Alliant Visa® Platinum","issuer":"alliant","type":"personal","institution":"credit union",
  "purchase_intro":{"rate":"0%","length":12,"unit":"months"},"bt_intro":{"rate":"0%","length":12,"unit":"months","window":null},
  "bt_fee":"2% (min $5)","annual_fee":"$0","go_to_apr":"13.99% – 25.99% variable",
  "source_url":"https://www.alliantcreditunion.org/credit-cards/visa-platinum-card","terms_url":null,
  "last_verified":"2026-10-17","affiliate_url":null,"notes":"Credit union membership required."}
]