The card object

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A card has 98 top-level fields, and the objects nested in it (issuers, reward_rates, benefits, statement_credits, card_perks, spend_bonuses, category_rate) add 74 more. Which ones a response includes depends on your plan: fields above it are left out, never sent empty.

GET /v1/cards, /v1/cards/:slug, /v1/cards/compare and /v1/cards/best return this object; /v1/cards/search returns it without the nested lists.

Fields by plan

Free25 fields

slug, name, issuer_id, issuers, network, card_type, annual_fee, annual_fee_waived_first_year, ...

Starter+65 fields

id, monthly_fee, supplementary_card_fee, interest_rate_purchase, interest_rate_cash, interest_rate_balance_transfer, foreign_transaction_fee, credit_score_min, ...

Pro+6 fields

historical_best_offer, historical_best_offer_date, spend_bonuses, military_annual_fee_waived, military_apr_cap, military_benefits_notes

Enterprise+2 fields

image_url, affiliate_url

Each plan includes everything the plans before it return. Free gets each card's 3 highest reward rates; Starter and above get every rate. Compare plans

Sample card at Free

What a Free key gets for GET /v1/cards/american-express-gold-card (abridged). The example values in the tables below come from this one card.

{
  "data": {
    "slug": "american-express-gold-card",
    "name": "American Express® Gold Card",
    "issuers": {
      "slug": "amex-us",
      "name": "American Express",
      "country": "US",
      "website": "https://www.americanexpress.com",
      "logo_url": null
    },
    "network": "AMEX",
    "card_type": "personal",
    "annual_fee": 325,
    "signup_bonus": "up to 100,000 Membership Rewards points",
    "signup_min_spend": 8000,
    "signup_min_spend_months": 6,
    "reward_currency_name": "Membership Rewards",
    "reward_rates": [
      {
        "category_slug": "dining",
        "categories": [
          "dining"
        ],
        "rate_multiplier": 4,
        "rate_type": "points_per_dollar",
        "cap_amount": 50000,
        "cap_period": "annual",
        "is_base_rate": false
      },
      {
        "category_slug": "groceries",
        "categories": [
          "groceries"
        ],
        "rate_multiplier": 4,
        "rate_type": "points_per_dollar",
        "cap_amount": 25000,
        "cap_period": "annual",
        "is_base_rate": false
      }
    ]
  }
}

Card

A published card. Which fields are present depends on your plan (see the description of each field group); fields above your plan are left out. GET /v1/cards/search returns no relation arrays.

Field	Type	Plan	Example	Description
`slug`	string	Every plan	"american-express-gold-card"
`name`	string	Every plan	"American Express® Gold Card"
`issuer_id`	string (uuid)	Every plan	—
`issuers`	CardIssuer	Every plan	{ ... }
`network`	stringnullable	Every plan	"AMEX"	One of: VISA, MC, AMEX, DISCOVER
`card_type`	stringnullable	Every plan	"personal"	One of: personal, business, student, secured
`annual_fee`	numbernullable	Every plan	325	Annual fee in the card's home currency; null when unknown (not the same as 0).
`annual_fee_waived_first_year`	booleannullable	Every plan	—
`reward_currency`	stringnullable	Every plan	—	Broad currency: points, miles or cashback. "none" for a card that earns no rewards (low-rate, secured and store-financing cards); such a card has no reward_rates.
`reward_currency_name`	stringnullable	Every plan	"Membership Rewards"	Program name, e.g. Membership Rewards.
`signup_bonus`	stringnullable	Every plan	"up to 100,000 Membership Rewards points"	Welcome offer as stated by the issuer.
`signup_bonus_value`deprecated	numbernullable	Every plan	—	Legacy: older rows hold a point count for some cards. Since 2026-09-30 a new extraction that states the offer's dollar value (or that there is no offer) rewrites it to the cash value, so it becomes null for points-only offers; an extraction that gives only the offer text leaves it as stored. Use signup_bonus_points and signup_bonus_cash_value.
`signup_bonus_points`	numbernullable	Every plan	—	Points or miles in the welcome offer; null for cash offers and when the offer pays no bonus (e.g. an intro-APR-only offer).
`signup_bonus_cash_value`	numbernullable	Every plan	—	Estimated welcome offer value in the card's home currency (USD for US cards, CAD for Canadian cards). Never a point count. Null when unknown and when the offer pays no cash, points or miles (e.g. an intro-APR-only offer).
`signup_min_spend`	numbernullable	Every plan	8000
`signup_min_spend_months`	integernullable	Every plan	6
`is_discontinued`	booleannullable	Every plan	—	No longer open to new applicants.
`referral_bonus_amount`	stringnullable	Every plan	—
`referral_bonus_url`	stringnullable	Every plan	—
`product_change_eligible`	booleannullable	Every plan	—
`product_change_notes`	stringnullable	Every plan	—
`product_family`	stringnullable	Every plan	—
`churning_notes`	stringnullable	Every plan	—
`application_rules`	stringnullable	Every plan	—	Card-level application restrictions.
`reward_rates`	RewardRate[]	Every plan	[ 2 items ]	Free plan: the card's 3 highest rates, best first. Starter and above: every rate.Free: the card's 3 highest rates. Starter and above: every rate.
`id`	string (uuid)	Starter plan and above	—
`monthly_fee`	numbernullable	Starter plan and above	—
`supplementary_card_fee`	numbernullable	Starter plan and above	—
`interest_rate_purchase`	numbernullable	Starter plan and above	—
`interest_rate_cash`	numbernullable	Starter plan and above	—
`interest_rate_balance_transfer`	numbernullable	Starter plan and above	—
`foreign_transaction_fee`	numbernullable	Starter plan and above	—
`credit_score_min`	integernullable	Starter plan and above	—
`credit_score_recommended`	stringnullable	Starter plan and above	—	Issuer's credit guidance, e.g. "Excellent" or "670-850".
`min_income`	numbernullable	Starter plan and above	—
`min_income_household`	numbernullable	Starter plan and above	—
`residency_requirement`	stringnullable	Starter plan and above	—
`age_min`	integernullable	Starter plan and above	—
`color_from`	stringnullable	Starter plan and above	—
`color_to`	stringnullable	Starter plan and above	—
`color_accent`	stringnullable	Starter plan and above	—
`product_url`	stringnullable	Starter plan and above	—
`apply_url`	stringnullable	Starter plan and above	—
`is_active`	boolean	Starter plan and above	—
`is_published`	boolean	Starter plan and above	—
`source_url`	stringnullable	Starter plan and above	—
`tc_url`	stringnullable	Starter plan and above	—	Terms & conditions page or PDF.
`last_scraped`	string (date-time)nullable	Starter plan and above	—
`last_verified`	string (date-time)nullable	Starter plan and above	—
`last_published`	string (date-time)nullable	Starter plan and above	—
`created_at`	string (date-time)	Starter plan and above	—
`updated_at`	string (date-time)	Starter plan and above	—
`intro_apr_purchase`	numbernullable	Starter plan and above	—
`intro_apr_purchase_months`	integernullable	Starter plan and above	—
`intro_apr_balance_transfer`	numbernullable	Starter plan and above	—
`intro_apr_balance_transfer_months`	integernullable	Starter plan and above	—
`balance_transfer_fee_percent`	numbernullable	Starter plan and above	—
`balance_transfer_fee_min`	numbernullable	Starter plan and above	—
`balance_transfer_fee_intro_percent`	numbernullable	Starter plan and above	—
`balance_transfer_fee_intro_months`	integernullable	Starter plan and above	—
`late_payment_fee`	numbernullable	Starter plan and above	—
`returned_payment_fee`	numbernullable	Starter plan and above	—
`cash_advance_fee_percent`	numbernullable	Starter plan and above	—
`cash_advance_fee_min`	numbernullable	Starter plan and above	—
`over_limit_fee`	numbernullable	Starter plan and above	—
`penalty_apr`	numbernullable	Starter plan and above	—
`penalty_apr_trigger`	stringnullable	Starter plan and above	—
`annual_fee_year2`	numbernullable	Starter plan and above	—
`pre_qualification_available`	booleannullable	Starter plan and above	—
`pre_qualification_url`	stringnullable	Starter plan and above	—
`hard_pull_bureau`	stringnullable	Starter plan and above	—
`network_tier`	stringnullable	Starter plan and above	—
`authorized_user_fee`	numbernullable	Starter plan and above	—
`authorized_user_earns_rewards`	booleannullable	Starter plan and above	—
`authorized_user_max`	integernullable	Starter plan and above	—
`authorized_user_min_age`	integernullable	Starter plan and above	—
`card_material`	stringnullable	Starter plan and above	—
`card_weight_grams`	numbernullable	Starter plan and above	—
`contactless_enabled`	booleannullable	Starter plan and above	—
`chip_and_pin`	booleannullable	Starter plan and above	—
`card_color`	stringnullable	Starter plan and above	—
`vertical_design`	booleannullable	Starter plan and above	—
`has_rotating_categories`	booleannullable	Starter plan and above	—
`rotating_category_activation_required`	booleannullable	Starter plan and above	—
`rotating_category_schedule`	objectnullable	Starter plan and above	—	Rotating categories by quarter, e.g. {"Q1": ["groceries"]}.
`annual_reward_cap`	numbernullable	Starter plan and above	—
`annual_reward_cap_notes`	stringnullable	Starter plan and above	—
`benefits`	Benefit[]	Starter plan and above	—
`statement_credits`	StatementCredit[]	Starter plan and above	—
`card_perks`	CardPerk[]	Starter plan and above	—
`historical_best_offer`	stringnullable	Pro plan and above	—
`historical_best_offer_date`	string (date)nullable	Pro plan and above	—
`spend_bonuses`	SpendBonus[]	Pro plan and above	—
`military_annual_fee_waived`	booleannullable	Pro plan and above	—
`military_apr_cap`	numbernullable	Pro plan and above	—
`military_benefits_notes`	stringnullable	Pro plan and above	—
`image_url`	stringnullable	Enterprise plan	—	Card art.
`affiliate_url`	stringnullable	Enterprise plan	—
`category_rate`only on /v1/cards/best	CategoryRate	Every plan	—

CardIssuer (issuers)

The card's issuer. `website` is on GET /v1/cards/{slug} only.

Every planComes with the card's issuers field.

Field	Type	Example	Description
`slug`	string	"amex-us"
`name`	string	"American Express"
`country`	string	"US"	One of: US, CA
`logo_url`	stringnullable	null
`website`	stringnullable	"https://www.americanexpress.com"

RewardRate (reward_rates)

Every planComes with the card's reward_rates field.

Field	Type	Example	Description
`id`	string (uuid)	—
`card_id`	string (uuid)	—
`category_slug`	stringnullable	"dining"	Label for the rate, unique on its card within a rotating quarter and built from the fields beside it, so the same rate has the same label on every card: <categories>[:<merchant>][@portal\|@direct][#choice][~<tag>]. categories: the rate's `categories` joined by "+" in /v1/categories order ("groceries+gas"); a base rate is "other". :<merchant>: the merchant it is limited to, slugged ("airlines:united-airlines", "other:best-buy"). @portal / @direct: booking_channel issuer_portal / direct ("travel@portal"). #choice: one of a pick-your-category group ("dining#choice"). ~<tag>: only when two rates of one card would otherwise share a label, e.g. "airlines:united-airlines~3x"; a tag can change when the card's other rates change. Match on `categories`, `merchant`, `booking_channel` and `choice_group`, not by parsing the label.
`categories`	string[]	[ 1 item ]	Canonical categories this rate applies to; every value is a slug from GET /v1/categories. A rate can cover several (e.g. gas and groceries under one cap).
`merchant`	stringnullable	—	Merchant or co-brand partner the rate is limited to (e.g. "Best Buy", "United Airlines"). Null when it applies anywhere in the category.
`booking_channel`	stringnullable	—	issuer_portal: only when booked through the issuer's travel portal (Chase Travel, Capital One Travel, ...). direct: booked directly with the airline or hotel.One of: issuer_portal, direct
`choice_group`	stringnullable	—	Rates on one card that share a choice_group are alternatives (pick-your-category cards): only choice_picks of them earn at once.
`choice_picks`	integernullable	—	How many categories in the choice_group earn the rate at the same time.
`choice_selection`	stringnullable	—	user: the cardholder picks; automatic: applied to the top spend categories.One of: user, automatic
`rate_multiplier`	number	4
`rate_type`	string	"points_per_dollar"	One of: multiplier, percent_cashback, points_per_dollar
`cap_amount`	numbernullable	50000
`cap_period`	stringnullable	"annual"	One of: monthly, quarterly, annual
`fallback_rate`	numbernullable	—
`is_base_rate`	boolean	false
`is_rotating`	boolean	—	True for a quarterly rotating bonus row; see rotating_quarter/rotating_year.
`rotating_quarter`	integernullable	—
`rotating_year`	integernullable	—
`notes`	stringnullable	—
`created_at`	string (date-time)	—

Benefit (benefits)

Starter plan and aboveComes with the card's benefits field.

Field	Type	Example	Description
`id`	string (uuid)	—
`card_id`	string (uuid)	—
`benefit_type`	string	—
`name`	string	—
`description`	stringnullable	—
`value`	numbernullable	—
`details`	objectnullable	—	Structured coverage detail extracted from the issuer's terms & conditions (when available), e.g. coverage_amount, deductible, covered_reasons, minimum_delay_hours, covers_meals, covers_lodging, max_claims_per_year, is_primary, source.
`created_at`	string (date-time)	—

StatementCredit (statement_credits)

Starter plan and aboveComes with the card's statement_credits field.

Field	Type	Example	Description
`id`	string (uuid)	—
`card_id`	string (uuid)	—
`credit_name`	string	—
`credit_amount`	number	—
`credit_period`	string	—	How often the credit renews, e.g. annual, monthly, quarterly, semi_annual.
`eligible_merchants`	stringnullable	—
`enrollment_required`	booleannullable	—
`notes`	stringnullable	—
`created_at`	string (date-time)nullable	—

CardPerk (card_perks)

Starter plan and aboveComes with the card's card_perks field.

Field	Type	Example
`id`	string (uuid)	—
`card_id`	string (uuid)	—
`perk_type`	string	—
`perk_name`	string	—
`perk_value`	numbernullable	—
`perk_period`	stringnullable	—
`partner`	stringnullable	—
`details`	stringnullable	—
`created_at`	string (date-time)nullable	—

SpendBonus (spend_bonuses)

Pro plan and aboveComes with the card's spend_bonuses field.

Field	Type	Example
`id`	string (uuid)	—
`card_id`	string (uuid)	—
`spend_threshold`	number	—
`spend_period`	string	—
`bonus_description`	string	—
`bonus_type`	stringnullable	—
`bonus_value`	stringnullable	—
`created_at`	string (date-time)nullable	—

CategoryRate (category_rate)

The rate a card earns in the requested category (GET /v1/cards/best).

Every planComes with the card's category_rate field.

Field	Type	Example	Description
`category_slug`	stringnullable	—	The rate's label, as on the card's reward_rates. Label for the rate, unique on its card within a rotating quarter and built from the fields beside it, so the same rate has the same label on every card: <categories>[:<merchant>][@portal\|@direct][#choice][~<tag>]. categories: the rate's `categories` joined by "+" in /v1/categories order ("groceries+gas"); a base rate is "other". :<merchant>: the merchant it is limited to, slugged ("airlines:united-airlines", "other:best-buy"). @portal / @direct: booking_channel issuer_portal / direct ("travel@portal"). #choice: one of a pick-your-category group ("dining#choice"). ~<tag>: only when two rates of one card would otherwise share a label, e.g. "airlines:united-airlines~3x"; a tag can change when the card's other rates change. Match on `categories`, `merchant`, `booking_channel` and `choice_group`, not by parsing the label.
`rate_multiplier`	number	—
`rate_type`	string	—	One of: multiplier, percent_cashback, points_per_dollar
`cap_amount`	numbernullable	—
`cap_period`	stringnullable	—	One of: monthly, quarterly, annual
`categories`	string[]	—
`merchant`	stringnullable	—
`booking_channel`	stringnullable	—	One of: issuer_portal, direct
`choice_group`	stringnullable	—
`choice_picks`	integernullable	—
`choice_selection`	stringnullable	—	One of: user, automatic
`is_rotating`	boolean	—
`rotating_quarter`	integernullable	—
`rotating_year`	integernullable	—
`notes`	stringnullable	—

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