{
  "total_offers": 36,
  "bank_account_offers": 12,
  "credit_card_offers": 23,
  "savings_offers": 0,
  "brokerage_offers": 1,
  "total_bonus_usd": 35722,
  "highest_bonus": {
    "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,
    "bt_intro_apr_pct": null,
    "bt_intro_months": null,
    "bt_fee_pct": null,
    "bt_fee_min_usd": null,
    "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"
  },
  "expiring_within_30d": [
    {
      "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,
      "bt_intro_apr_pct": null,
      "bt_intro_months": null,
      "bt_fee_pct": null,
      "bt_fee_min_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": "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,
      "bt_intro_apr_pct": null,
      "bt_intro_months": null,
      "bt_fee_pct": null,
      "bt_fee_min_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"
    }
  ],
  "last_verified": "2026-10-15",
  "visitors_24h": 10,
  "apply_clicks_24h": 6,
  "mcp_calls_24h": 5,
  "generated_at": "2026-11-12"
}