{
  "metadata": {
    "source": "https://creditstud.io/data/cards.json",
    "lastUpdated": "2026-05-01",
    "description": "Credit card and BNPL terms database from CreditStud.io. All rates verified from issuer websites.",
    "creditCards": 10,
    "bnplMethods": 6
  },
  "creditCards": [
    {
      "id": "citi-simplicity",
      "name": "Citi Simplicity",
      "type": "credit-card",
      "detail": "12 mo 0% APR · No late fees · No rewards",
      "interestRate": 22.87,
      "hasIntroApr": true,
      "introAprRate": 0,
      "introAprMonths": 12,
      "pointsRate": 0,
      "pointValue": 0,
      "annualFee": 0,
      "lateFee": 0,
      "rewardTiers": [],
      "blendedRate": 0,
      "balanceTransfer": {
        "introApr": 0,
        "introAprMonths": 21,
        "postPromoApr": 22.87,
        "transferFeeIntroPct": 3,
        "transferFeeIntroMinDollars": 5,
        "transferFeeIntroWindowMonths": 4,
        "transferFeeStandardPct": 5,
        "transferFeeStandardMinDollars": 5
      },
      "notes": "No late fees ever. 0% intro APR for 21 months on balance transfers. Good for large purchases you'll pay off within 12 months.",
      "category": "credit-card",
      "url": "https://creditstud.io/cards/citi-simplicity/"
    },
    {
      "id": "chase-freedom-unlimited",
      "name": "Chase Freedom Unlimited",
      "type": "credit-card",
      "detail": "15 mo 0% APR · 1.5–3% cash back",
      "interestRate": 24.24,
      "hasIntroApr": true,
      "introAprRate": 0,
      "introAprMonths": 15,
      "pointsRate": 1.5,
      "pointValue": 1,
      "annualFee": 0,
      "lateFee": 40,
      "rewardTiers": [
        {
          "category": "dining",
          "rate": 3
        },
        {
          "category": "drugstores",
          "rate": 3
        },
        {
          "category": "travel",
          "rate": 5,
          "note": "via Chase portal"
        },
        {
          "category": "everything",
          "rate": 1.5
        }
      ],
      "blendedRate": 1.8,
      "balanceTransfer": {
        "introApr": 0,
        "introAprMonths": 15,
        "postPromoApr": 24.24,
        "transferFeeIntroPct": 3,
        "transferFeeIntroMinDollars": 5,
        "transferFeeIntroWindowMonths": 2,
        "transferFeeStandardPct": 5,
        "transferFeeStandardMinDollars": 5
      },
      "notes": "3% dining & drugstores, 5% travel (Chase portal), 1.5% everything else.",
      "category": "credit-card",
      "url": "https://creditstud.io/cards/chase-freedom-unlimited/"
    },
    {
      "id": "discover-it",
      "name": "Discover it",
      "type": "credit-card",
      "detail": "15 mo 0% APR · 1–5% cash back (doubled Y1)",
      "interestRate": 22.74,
      "hasIntroApr": true,
      "introAprRate": 0,
      "introAprMonths": 15,
      "pointsRate": 1.5,
      "pointValue": 1,
      "annualFee": 0,
      "lateFee": 41,
      "rewardTiers": [
        {
          "category": "rotating",
          "rate": 5,
          "cap": 1500,
          "note": "Quarterly rotating categories, $1,500/qtr cap"
        },
        {
          "category": "everything",
          "rate": 1
        }
      ],
      "blendedRate": 1.5,
      "blendedRateYear1": 3,
      "balanceTransfer": {
        "introApr": 0,
        "introAprMonths": 15,
        "postPromoApr": 22.74,
        "transferFeeIntroPct": 3,
        "transferFeeIntroMinDollars": null,
        "transferFeeIntroWindowMonths": null,
        "transferFeeStandardPct": 5,
        "transferFeeStandardMinDollars": null
      },
      "notes": "5% rotating categories ($1,500/qtr). Cashback Match doubles ALL rewards in year 1 (~3% effective). 3% intro BT fee, 5% after.",
      "category": "credit-card",
      "url": "https://creditstud.io/cards/discover-it/"
    },
    {
      "id": "citi-double-cash",
      "name": "Citi Double Cash",
      "type": "credit-card",
      "detail": "2% cash back on everything · No annual fee",
      "interestRate": 23.24,
      "hasIntroApr": true,
      "introAprRate": 0,
      "introAprMonths": 18,
      "pointsRate": 2,
      "pointValue": 1,
      "annualFee": 0,
      "lateFee": 40,
      "rewardTiers": [
        {
          "category": "everything",
          "rate": 2
        }
      ],
      "blendedRate": 2,
      "balanceTransfer": {
        "introApr": 0,
        "introAprMonths": 18,
        "postPromoApr": 22.49,
        "transferFeeIntroPct": 3,
        "transferFeeIntroMinDollars": 5,
        "transferFeeIntroWindowMonths": 4,
        "transferFeeStandardPct": 5,
        "transferFeeStandardMinDollars": 5
      },
      "notes": "1% when you buy + 1% when you pay. Flat 2% on everything — no categories to track. 0% intro APR on BT for 18 months; 3% intro BT fee (then 5%).",
      "category": "credit-card",
      "url": "https://creditstud.io/cards/citi-double-cash/"
    },
    {
      "id": "chase-sapphire-preferred",
      "name": "Chase Sapphire Preferred",
      "type": "credit-card",
      "detail": "2–5x points · Points worth 1.25–2¢ · $95/yr",
      "interestRate": 25.49,
      "hasIntroApr": false,
      "introAprRate": null,
      "introAprMonths": 0,
      "pointsRate": 2,
      "pointValue": 1.5,
      "annualFee": 95,
      "lateFee": 40,
      "rewardTiers": [
        {
          "category": "dining",
          "rate": 3
        },
        {
          "category": "online",
          "rate": 3,
          "note": "Online grocery (excl. Target/Walmart)"
        },
        {
          "category": "travel",
          "rate": 5,
          "note": "Via Chase Travel portal"
        },
        {
          "category": "streaming",
          "rate": 3
        },
        {
          "category": "everything",
          "rate": 1
        }
      ],
      "blendedRate": 1.8,
      "blendedPointValue": 1.5,
      "notes": "5x travel (Chase portal), 3x dining/online grocery/streaming, 1x else. Points worth 1.25¢ (portal) to 2¢+ (transfer partners). $95 annual fee.",
      "category": "credit-card",
      "url": "https://creditstud.io/cards/chase-sapphire-preferred/"
    },
    {
      "id": "amex-blue-cash-everyday",
      "name": "Amex Blue Cash Everyday",
      "type": "credit-card",
      "detail": "15 mo 0% APR · 3% groceries · 2% gas",
      "interestRate": 24.49,
      "hasIntroApr": true,
      "introAprRate": 0,
      "introAprMonths": 15,
      "pointsRate": 3,
      "pointValue": 1,
      "annualFee": 0,
      "lateFee": 40,
      "rewardTiers": [
        {
          "category": "groceries",
          "rate": 3,
          "cap": 6000,
          "note": "$6K/yr cap, then 1%"
        },
        {
          "category": "gas",
          "rate": 3
        },
        {
          "category": "online",
          "rate": 3
        },
        {
          "category": "everything",
          "rate": 1
        }
      ],
      "blendedRate": 2,
      "balanceTransfer": {
        "introApr": 0,
        "introAprMonths": 15,
        "postPromoApr": 24.49,
        "transferFeeIntroPct": 3,
        "transferFeeIntroMinDollars": 5,
        "transferFeeIntroWindowMonths": null,
        "transferFeeStandardPct": 3,
        "transferFeeStandardMinDollars": 5
      },
      "notes": "3% groceries ($6K/yr cap), 3% gas, 3% online shopping, 1% everything else. No annual fee. 3% BT fee.",
      "category": "credit-card",
      "url": "https://creditstud.io/cards/amex-blue-cash-everyday/"
    },
    {
      "id": "capital-one-venture",
      "name": "Capital One Venture",
      "type": "credit-card",
      "detail": "2x miles everywhere · Miles worth ~1.4¢ · $95/yr",
      "interestRate": 24.49,
      "hasIntroApr": false,
      "introAprRate": null,
      "introAprMonths": 0,
      "pointsRate": 2,
      "pointValue": 1.4,
      "annualFee": 95,
      "lateFee": 40,
      "rewardTiers": [
        {
          "category": "hotels_rentals",
          "rate": 5,
          "note": "Via Capital One Travel"
        },
        {
          "category": "everything",
          "rate": 2
        }
      ],
      "blendedRate": 2.1,
      "blendedPointValue": 1.4,
      "notes": "5x on hotels/rentals (Capital One Travel), 2x everything else. Miles worth ~1¢ (statement credit) to 1.85¢ (transfer partners). $95 annual fee.",
      "category": "credit-card",
      "url": "https://creditstud.io/cards/capital-one-venture/"
    },
    {
      "id": "amazon-prime-visa",
      "name": "Amazon Prime Rewards Visa",
      "type": "credit-card",
      "detail": "5% Amazon & Whole Foods · 2% dining/gas/drugstores · No annual fee",
      "interestRate": 22.24,
      "hasIntroApr": false,
      "introAprRate": null,
      "introAprMonths": 0,
      "pointsRate": 5,
      "pointValue": 1,
      "annualFee": 0,
      "annualFeeNote": "Requires Amazon Prime ($139/yr)",
      "lateFee": 40,
      "rewardTiers": [
        {
          "category": "amazon",
          "rate": 5,
          "note": "Amazon.com & Whole Foods Market"
        },
        {
          "category": "dining",
          "rate": 2
        },
        {
          "category": "gas",
          "rate": 2
        },
        {
          "category": "drugstores",
          "rate": 2
        },
        {
          "category": "everything",
          "rate": 1
        }
      ],
      "blendedRate": 2.3,
      "notes": "5% Amazon.com & Whole Foods (Prime members), 2% restaurants/gas/drugstores, 1% everything else. $0 annual fee but requires Prime ($139/yr). $150 Amazon gift card upon approval.",
      "category": "credit-card",
      "url": "https://creditstud.io/cards/amazon-prime-visa/"
    },
    {
      "id": "chase-freedom-flex",
      "name": "Chase Freedom Flex",
      "type": "credit-card",
      "detail": "15 mo 0% APR · 3% dining/drugstores · 5% rotating · $200 bonus",
      "interestRate": 23.74,
      "hasIntroApr": true,
      "introAprRate": 0,
      "introAprMonths": 15,
      "pointsRate": 3,
      "pointValue": 2.05,
      "annualFee": 0,
      "lateFee": 40,
      "rewardTiers": [
        {
          "category": "rotating",
          "rate": 5,
          "cap": 1500,
          "note": "Quarterly rotating categories, $1,500/qtr cap"
        },
        {
          "category": "dining",
          "rate": 3
        },
        {
          "category": "drugstores",
          "rate": 3
        },
        {
          "category": "everything",
          "rate": 1
        }
      ],
      "blendedRate": 1.8,
      "balanceTransfer": {
        "introApr": 0,
        "introAprMonths": 15,
        "postPromoApr": 23.74,
        "transferFeeIntroPct": 3,
        "transferFeeIntroMinDollars": 5,
        "transferFeeIntroWindowMonths": 2,
        "transferFeeStandardPct": 5,
        "transferFeeStandardMinDollars": 5
      },
      "notes": "5% rotating categories ($1,500/qtr), 3% dining/drugstores, 1% everything. 3% intro BT fee (first 60 days), then 5%.",
      "category": "credit-card",
      "url": "https://creditstud.io/cards/chase-freedom-flex/"
    },
    {
      "id": "wells-fargo-reflect",
      "name": "Wells Fargo Reflect",
      "type": "credit-card",
      "detail": "21 mo 0% APR · No annual fee · Cell phone protection",
      "interestRate": 23.49,
      "hasIntroApr": true,
      "introAprRate": 0,
      "introAprMonths": 21,
      "pointsRate": 0,
      "pointValue": 0,
      "annualFee": 0,
      "lateFee": 40,
      "rewardTiers": [],
      "blendedRate": 0,
      "balanceTransfer": {
        "introApr": 0,
        "introAprMonths": 21,
        "postPromoApr": 23.49,
        "transferFeeIntroPct": 3,
        "transferFeeIntroMinDollars": 5,
        "transferFeeIntroWindowMonths": 2,
        "transferFeeStandardPct": 5,
        "transferFeeStandardMinDollars": 5
      },
      "notes": "Longest 0% intro APR (21 months). No rewards. 3% intro BT fee (first 60 days), then 5%.",
      "category": "credit-card",
      "url": "https://creditstud.io/cards/wells-fargo-reflect/"
    }
  ],
  "bnpl": {
    "payIn4": [
      {
        "id": "klarna-pay4",
        "name": "Klarna",
        "type": "bnpl-4",
        "detail": "Pay in 4 · 0% interest · Works anywhere via virtual card",
        "downPaymentPct": 25,
        "numPayments": 4,
        "intervalDays": 14,
        "interestRate": 0,
        "serviceFeeMin": 0.75,
        "serviceFeeMax": 3,
        "lateFee": 7,
        "lateFeeMaxPct": 25,
        "minPurchase": 35,
        "maxPurchase": 2500,
        "pointsRate": 0,
        "pointValue": 0,
        "creditCheck": "soft",
        "availability": "both",
        "availabilityNote": "Partner checkout at 800K+ merchants, OR use Klarna One-time virtual Visa card at any US online store",
        "notes": "Service fee $0.75–$3. Late fee up to $7 (capped at 25% of order). Klarna Card available for in-store (Visa network).",
        "lateFees": {
          "lateFeeAmount": 7,
          "lateFeeCap": null,
          "retroactiveInterest": false,
          "retroactiveApr": 0,
          "gracePeriodDays": 7
        },
        "category": "bnpl-4"
      },
      {
        "id": "afterpay",
        "name": "Afterpay",
        "type": "bnpl-4",
        "detail": "Pay in 4 · 0% interest at partner brands · Late fees apply",
        "downPaymentPct": 25,
        "numPayments": 4,
        "intervalDays": 14,
        "interestRate": 0,
        "serviceFeeMin": 0,
        "serviceFeeMax": 0,
        "lateFee": 10,
        "lateFeeMax": 68,
        "lateFeeMaxPct": 25,
        "minPurchase": 35,
        "maxPurchase": 2500,
        "pointsRate": 0,
        "pointValue": 0,
        "creditCheck": "soft",
        "availability": "both",
        "availabilityNote": "Partner checkout at 100K+ merchants. Afterpay Card (Visa) can be used in-store. Online limited to partner merchants.",
        "notes": "No service fee. Late fee: initial $10, then $7/week up to $68 or 25% of purchase. Pay Monthly option available for $100+ (0–35.99% APR, 3–24 months).",
        "lateFees": {
          "lateFeeAmount": 10,
          "lateFeeAdditional": 7,
          "lateFeeCap": 68,
          "retroactiveInterest": false,
          "retroactiveApr": 0,
          "gracePeriodDays": 10
        },
        "category": "bnpl-4"
      },
      {
        "id": "paypal-pay4",
        "name": "PayPal Pay in 4",
        "type": "bnpl-4",
        "detail": "Pay in 4 · 0% APR · No fees · Online only",
        "downPaymentPct": 25,
        "numPayments": 4,
        "intervalDays": 14,
        "interestRate": 0,
        "serviceFeeMin": 0,
        "serviceFeeMax": 0,
        "lateFee": 0,
        "minPurchase": 30,
        "maxPurchase": 1500,
        "pointsRate": 0,
        "pointValue": 0,
        "creditCheck": "none",
        "availability": "partner",
        "availabilityNote": "Only available at online merchants that accept PayPal at checkout. Not available in-store. Not available in Missouri or Nevada.",
        "notes": "Zero fees, zero interest. Must use at merchants with PayPal checkout integration. No virtual card for non-PayPal stores.",
        "lateFees": {
          "lateFeeAmount": 0,
          "lateFeeCap": 0,
          "retroactiveInterest": false,
          "retroactiveApr": 0,
          "gracePeriodDays": 0
        },
        "category": "bnpl-4"
      },
      {
        "id": "affirm-pay4",
        "name": "Affirm",
        "type": "bnpl-4",
        "detail": "Pay in 4 · 0% APR · Works anywhere via virtual card",
        "downPaymentPct": 25,
        "numPayments": 4,
        "intervalDays": 14,
        "interestRate": 0,
        "interestRateMonthlyMin": 0,
        "interestRateMonthlyMax": 36,
        "serviceFeeMin": 0,
        "serviceFeeMax": 0,
        "lateFee": 0,
        "minPurchase": 50,
        "maxPurchase": 30000,
        "pointsRate": 0,
        "pointValue": 0,
        "creditCheck": "soft",
        "availability": "both",
        "availabilityNote": "Partner checkout at 358K+ merchants (Amazon, Walmart, Target). Also offers one-time virtual Visa card usable at any online store.",
        "notes": "Pay in 4 is always 0% APR, $0 fees. Monthly plans (3–60 mo) range 0–36% APR. Reports to credit bureaus. Affirm Card (debit) for in-store.",
        "lateFees": {
          "lateFeeAmount": 0,
          "lateFeeCap": 0,
          "retroactiveInterest": false,
          "retroactiveApr": 0,
          "gracePeriodDays": 0
        },
        "category": "bnpl-4"
      },
      {
        "id": "zip",
        "name": "Zip",
        "type": "bnpl-4",
        "detail": "Pay in 4 · Origination fee ($4–$60) · ~30–35% APR",
        "downPaymentPct": 25,
        "numPayments": 4,
        "intervalDays": 14,
        "interestRate": 0,
        "effectiveAprMin": 30,
        "effectiveAprMax": 35,
        "originationFeeMin": 4,
        "originationFeeMax": 60,
        "serviceFeeMin": 4,
        "serviceFeeMax": 60,
        "lateFee": 7,
        "minPurchase": 35,
        "maxPurchase": 1500,
        "pointsRate": 0,
        "pointValue": 0,
        "creditCheck": "none",
        "availability": "both",
        "availabilityNote": "Partner checkout at 82K+ merchants. Zip app creates virtual card usable anywhere Visa is accepted, online or in-store.",
        "notes": "⚠️ NOT interest-free. Origination fee of $4–$60 (30–35% effective APR). Example: $400 purchase = $8 fee, $408 total. No credit check.",
        "lateFees": {
          "lateFeeAmount": 7,
          "lateFeeCap": null,
          "retroactiveInterest": false,
          "retroactiveApr": 0,
          "gracePeriodDays": 0
        },
        "category": "bnpl-4"
      },
      {
        "id": "sezzle",
        "name": "Sezzle",
        "type": "bnpl-4",
        "detail": "Pay in 4 · 0% interest · 1 free reschedule",
        "downPaymentPct": 25,
        "numPayments": 4,
        "intervalDays": 14,
        "interestRate": 0,
        "serviceFeeMin": 0,
        "serviceFeeMax": 0,
        "lateFee": 10,
        "rescheduleFee": 5,
        "minPurchase": 1,
        "maxPurchase": 2500,
        "pointsRate": 0,
        "pointValue": 0,
        "creditCheck": "soft",
        "availability": "partner",
        "availabilityNote": "Only at 47K+ Sezzle partner merchants (Target, GameStop, etc.). No virtual card for non-partner stores.",
        "notes": "1 free payment reschedule per order. $10 failed payment fee. $5 for additional reschedules. Pay Monthly: 3–48 months, 0–34.99% APR for up to $15K.",
        "lateFees": {
          "lateFeeAmount": 10,
          "lateFeeCap": 16.95,
          "retroactiveInterest": false,
          "retroactiveApr": 0,
          "gracePeriodDays": 0
        },
        "category": "bnpl-4"
      }
    ],
    "monthly": []
  }
}