{"schemaVersion":"1.0","generatedAt":"2026-09-22T12:27:26.831Z","description":"Real fee and APR changes detected across SwitchWize’s tracked credit cards, most recent first. Each event is a diff between two independently verified snapshots of the same card, not a single reading presented as a change.","attribution":{"name":"SwitchWize","url":"https://www.switchwize.com","requiredText":"SwitchWize (switchwize.com)"},"eventCount":46,"changes":[{"cardId":"wells-fargo:signify-business-cash-card","cardName":"Wells Fargo Signify Business Cash Card","issuerId":"wellsfargo","slug":"signify-business-cash-card","canonicalUrl":"https://creditcards.wellsfargo.com/business-credit-cards/signify-business-cash-credit-card/","observedAt":"2026-09-22 07:17:08.912792+00","message":"APR range moved from 16.74%–24.74% to 16.99%–24.99%","feeDelta":0,"aprMinDelta":0.25,"aprMaxDelta":0.25},{"cardId":"wells-fargo:choice-privileges-select-mastercard","cardName":"Wells Fargo Choice Privileges Select Mastercard","issuerId":"wellsfargo","slug":"choice-privileges-select-mastercard","canonicalUrl":"https://creditcards.wellsfargo.com/choice-hotels-privileges-select-mastercard/","observedAt":"2026-09-22 07:17:08.510849+00","message":"APR range moved from 19.74%–28.49% to 19.99%–28.74%","feeDelta":0,"aprMinDelta":0.25,"aprMaxDelta":0.25},{"cardId":"wells-fargo:one-key-plus-card","cardName":"Wells Fargo One Key Plus Card","issuerId":"wellsfargo","slug":"one-key-plus-card","canonicalUrl":"https://creditcards.wellsfargo.com/one-key-plus-credit-card/","observedAt":"2026-09-22 07:17:07.791288+00","message":"APR range moved from 18.49%–28.49% to 18.74%–28.74%","feeDelta":0,"aprMinDelta":0.25,"aprMaxDelta":0.25},{"cardId":"wells-fargo:one-key-card","cardName":"Wells Fargo One Key Card","issuerId":"wellsfargo","slug":"one-key-card","canonicalUrl":"https://creditcards.wellsfargo.com/one-key-credit-card/","observedAt":"2026-09-22 07:17:07.453945+00","message":"APR range moved from 18.49%–28.49% to 18.74%–28.74%","feeDelta":0,"aprMinDelta":0.25,"aprMaxDelta":0.25},{"cardId":"wells-fargo:reflect-card","cardName":"Wells Fargo Reflect Card","issuerId":"wellsfargo","slug":"reflect-card","canonicalUrl":"https://creditcards.wellsfargo.com/reflect-visa-credit-card/","observedAt":"2026-09-22 07:17:07.27665+00","message":"APR range moved from 17.49%–28.24% to 17.74%–28.49%","feeDelta":0,"aprMinDelta":0.25,"aprMaxDelta":0.25},{"cardId":"wells-fargo:autograph-journey-card","cardName":"Wells Fargo Autograph Journey Card","issuerId":"wellsfargo","slug":"autograph-journey-card","canonicalUrl":"https://creditcards.wellsfargo.com/autograph-journey-visa-credit-card/","observedAt":"2026-09-22 07:17:06.811644+00","message":"APR range moved from 19.49%–28.49% to 19.74%–28.74%","feeDelta":0,"aprMinDelta":0.25,"aprMaxDelta":0.25},{"cardId":"wells-fargo:autograph-card","cardName":"Wells Fargo Autograph Card","issuerId":"wellsfargo","slug":"autograph-card","canonicalUrl":"https://creditcards.wellsfargo.com/autograph-visa-credit-card/","observedAt":"2026-09-22 07:17:06.554387+00","message":"APR range moved from 18.49%–28.49% to 18.74%–28.74%","feeDelta":0,"aprMinDelta":0.25,"aprMaxDelta":0.25},{"cardId":"wells-fargo:active-cash-card","cardName":"Wells Fargo Active Cash Card","issuerId":"wellsfargo","slug":"active-cash-card","canonicalUrl":"https://creditcards.wellsfargo.com/active-cash-credit-card/","observedAt":"2026-09-22 07:17:06.287383+00","message":"APR range moved from 18.49%–28.49% to 18.74%–28.74%","feeDelta":0,"aprMinDelta":0.25,"aprMaxDelta":0.25},{"cardId":"chase:freedom-rise","cardName":"Chase Freedom Rise","issuerId":"chase","slug":"freedom-rise","canonicalUrl":"https://creditcards.chase.com/cash-back-credit-cards/freedom/rise","observedAt":"2026-09-22 00:00:00+00","message":"APR range moved from 18.24%–27.74% to 18.24%–29.99%","feeDelta":0,"aprMinDelta":0,"aprMaxDelta":2.25},{"cardId":"american-express:the-blue-business-plus-credit-card","cardName":"American Express The Blue Business Plus Credit Card","issuerId":"amex","slug":"the-blue-business-plus-credit-card","canonicalUrl":"https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-blue-business-plus-credit-card-amex/","observedAt":"2026-09-21 00:00:00+00","message":"APR range moved from 16.74%–28.49% to 16.99%–28.74%","feeDelta":0,"aprMinDelta":0.25,"aprMaxDelta":0.25},{"cardId":"american-express:platinum-card","cardName":"American Express Platinum Card","issuerId":"amex","slug":"platinum-card","canonicalUrl":"https://www.americanexpress.com/us/credit-cards/card/platinum/","observedAt":"2026-09-18 16:07:37.641823+00","message":"APR range moved from 19.49%–28.49% to 19.74%–28.74%","feeDelta":0,"aprMinDelta":0.25,"aprMaxDelta":0.25},{"cardId":"chase:amazon-prime-visa","cardName":"Chase Amazon Prime Visa","issuerId":"chase","slug":"amazon-prime-visa","canonicalUrl":"https://creditcards.chase.com/cash-back-credit-cards/amazon-prime-rewards","observedAt":"2026-08-30 00:00:00+00","message":"APR range moved from 18.74%–29.99% to 18.74%–27.49%","feeDelta":0,"aprMinDelta":0,"aprMaxDelta":-2.5},{"cardId":"chase:united-business","cardName":"Chase United Business","issuerId":"chase","slug":"united-business","canonicalUrl":"https://creditcards.chase.com/business-credit-cards/united/united-business-card","observedAt":"2026-08-30 00:00:00+00","message":"APR range moved from 19.74%–29.99% to 19.74%–28.24%","feeDelta":0,"aprMinDelta":0,"aprMaxDelta":-1.75},{"cardId":"chase:world-of-hyatt","cardName":"Chase World Of Hyatt","issuerId":"chase","slug":"world-of-hyatt","canonicalUrl":"https://creditcards.chase.com/travel-credit-cards/world-of-hyatt","observedAt":"2026-08-24 00:00:00+00","message":"APR range moved from 19.24%–27.74% to 19.24%–29.99%","feeDelta":0,"aprMinDelta":0,"aprMaxDelta":2.25},{"cardId":"capital-one:savorone-cash","cardName":"Capital One Savorone Cash","issuerId":"capitalone","slug":"savorone-cash","canonicalUrl":"https://www.capitalone.com/credit-cards/savorone/","observedAt":"2026-08-23 00:00:00+00","message":"annual fee increased from $0 to $39; APR range moved from 19.99%–29.99% to 28.99%–28.99%","feeDelta":39,"aprMinDelta":9,"aprMaxDelta":-1},{"cardId":"chase:slate-edge","cardName":"Chase Slate Edge","issuerId":"chase","slug":"slate-edge","canonicalUrl":"https://creditcards.chase.com/credit-building-credit-cards/edge","observedAt":"2026-08-23 00:00:00+00","message":"APR range moved from 19.49%–29.99% to 28.99%–29.99%","feeDelta":0,"aprMinDelta":9.5,"aprMaxDelta":0},{"cardId":"chase:united-quest","cardName":"Chase United Quest","issuerId":"chase","slug":"united-quest","canonicalUrl":"https://creditcards.chase.com/travel-credit-cards/united/united-quest","observedAt":"2026-08-23 00:00:00+00","message":"APR range moved from 19.74%–29.99% to 19.74%–28.24%","feeDelta":0,"aprMinDelta":0,"aprMaxDelta":-1.75},{"cardId":"bank-of-america:bankamericard","cardName":"Bank of America Bankamericard","issuerId":"bofa","slug":"bankamericard","canonicalUrl":"https://www.bankofamerica.com/credit-cards/products/bankamericard-credit-card/","observedAt":"2026-08-21 19:50:35.809636+00","message":"APR range moved from 16.24%–25.99% to 14.99%–25.99%","feeDelta":0,"aprMinDelta":-1.25,"aprMaxDelta":0},{"cardId":"chase:freedom-flex","cardName":"Chase Freedom Flex","issuerId":"chase","slug":"freedom-flex","canonicalUrl":"https://creditcards.chase.com/cash-back-credit-cards/freedom/flex","observedAt":"2026-08-21 00:00:00+00","message":"APR range moved from 18.24%–27.74% to 18.24%–29.99%","feeDelta":0,"aprMinDelta":0,"aprMaxDelta":2.25},{"cardId":"chase:freedom-unlimited","cardName":"Chase Freedom Unlimited","issuerId":"chase","slug":"freedom-unlimited","canonicalUrl":"https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited","observedAt":"2026-08-21 00:00:00+00","message":"APR range moved from 18.24%–27.74% to 18.24%–29.99%","feeDelta":0,"aprMinDelta":0,"aprMaxDelta":2.25},{"cardId":"chase:marriott-bonvoy-boundless","cardName":"Chase Marriott Bonvoy Boundless","issuerId":"chase","slug":"marriott-bonvoy-boundless","canonicalUrl":"https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless","observedAt":"2026-08-21 00:00:00+00","message":"APR range moved from 19.24%–27.74% to 19.24%–29.99%","feeDelta":0,"aprMinDelta":0,"aprMaxDelta":2.25},{"cardId":"chase:sapphire-preferred","cardName":"Chase Sapphire Preferred","issuerId":"chase","slug":"sapphire-preferred","canonicalUrl":"https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred","observedAt":"2026-08-21 00:00:00+00","message":"APR range moved from 19.24%–27.49% to 19.24%–29.99%","feeDelta":0,"aprMinDelta":0,"aprMaxDelta":2.5},{"cardId":"chase:southwest-rapid-rewards-priority","cardName":"Chase Southwest Rapid Rewards Priority","issuerId":"chase","slug":"southwest-rapid-rewards-priority","canonicalUrl":"https://creditcards.chase.com/travel-credit-cards/southwest/priority","observedAt":"2026-08-21 00:00:00+00","message":"APR range moved from 19.24%–27.74% to 19.24%–29.99%","feeDelta":0,"aprMinDelta":0,"aprMaxDelta":2.25},{"cardId":"chase:united-club-infinite","cardName":"Chase United Club Infinite","issuerId":"chase","slug":"united-club-infinite","canonicalUrl":"https://creditcards.chase.com/travel-credit-cards/united/club-infinite","observedAt":"2026-08-21 00:00:00+00","message":"APR range moved from 19.74%–28.24% to 19.74%–29.99%","feeDelta":0,"aprMinDelta":0,"aprMaxDelta":1.75},{"cardId":"chase:united-explorer","cardName":"Chase United Explorer","issuerId":"chase","slug":"united-explorer","canonicalUrl":"https://creditcards.chase.com/travel-credit-cards/united/united-explorer","observedAt":"2026-08-21 00:00:00+00","message":"APR range moved from 19.74%–28.24% to 19.74%–29.99%","feeDelta":0,"aprMinDelta":0,"aprMaxDelta":1.75},{"cardId":"chase:united-quest","cardName":"Chase United Quest","issuerId":"chase","slug":"united-quest","canonicalUrl":"https://creditcards.chase.com/travel-credit-cards/united/united-quest","observedAt":"2026-08-21 00:00:00+00","message":"APR range moved from 19.74%–28.24% to 19.74%–29.99%","feeDelta":0,"aprMinDelta":0,"aprMaxDelta":1.75},{"cardId":"american-express:platinum-card","cardName":"American Express Platinum Card","issuerId":"amex","slug":"platinum-card","canonicalUrl":"https://www.americanexpress.com/us/credit-cards/card/platinum/","observedAt":"2026-08-20 21:19:34.595573+00","message":"annual fee increased from $695 to $895","feeDelta":200,"aprMinDelta":0,"aprMaxDelta":0},{"cardId":"chase:sapphire-reserve","cardName":"Chase Sapphire Reserve","issuerId":"chase","slug":"sapphire-reserve","canonicalUrl":"https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve","observedAt":"2026-08-20 00:00:00+00","message":"APR range moved from 19.49%–27.99% to 19.49%–29.99%","feeDelta":0,"aprMinDelta":0,"aprMaxDelta":2},{"cardId":"chase:ink-business-cash","cardName":"Chase Ink Business Cash","issuerId":"chase","slug":"ink-business-cash","canonicalUrl":"https://creditcards.chase.com/business-credit-cards/ink/cash","observedAt":"2026-07-21 00:00:00+00","message":"APR range moved from 6.75%–29.99% to 16.74%–29.99%","feeDelta":0,"aprMinDelta":9.99,"aprMaxDelta":0},{"cardId":"chase:ink-business-cash","cardName":"Chase Ink Business Cash","issuerId":"chase","slug":"ink-business-cash","canonicalUrl":"https://creditcards.chase.com/business-credit-cards/ink/cash","observedAt":"2026-07-19 00:00:00+00","message":"APR range moved from 16.74%–29.99% to 6.75%–29.99%","feeDelta":0,"aprMinDelta":-9.99,"aprMaxDelta":0},{"cardId":"chase:ink-business-cash","cardName":"Chase Ink Business Cash","issuerId":"chase","slug":"ink-business-cash","canonicalUrl":"https://creditcards.chase.com/business-credit-cards/ink/cash","observedAt":"2026-07-15 00:00:00+00","message":"APR range moved from 16.74%–24.74% to 16.74%–29.99%","feeDelta":0,"aprMinDelta":0,"aprMaxDelta":5.25},{"cardId":"chase:ink-business-cash","cardName":"Chase Ink Business Cash","issuerId":"chase","slug":"ink-business-cash","canonicalUrl":"https://creditcards.chase.com/business-credit-cards/ink/cash","observedAt":"2026-07-14 00:00:00+00","message":"APR range moved from 16.74%–29.99% to 16.74%–24.74%","feeDelta":0,"aprMinDelta":0,"aprMaxDelta":-5.25},{"cardId":"bank-of-america:alaska-airlines-visa-signature","cardName":"Bank of America Alaska Airlines Visa Signature","issuerId":"bofa","slug":"alaska-airlines-visa-signature","canonicalUrl":"https://www.bankofamerica.com/credit-cards/products/alaska-airlines-credit-card/","observedAt":"2026-07-10 00:00:00+00","message":"APR range moved from 20.24%–28.24% to 19.49%–27.49%","feeDelta":0,"aprMinDelta":-0.75,"aprMaxDelta":-0.75},{"cardId":"bank-of-america:customized-cash-rewards","cardName":"Bank of America Customized Cash Rewards","issuerId":"bofa","slug":"customized-cash-rewards","canonicalUrl":"https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/","observedAt":"2026-07-10 00:00:00+00","message":"APR range moved from 18.24%–28.24% to 17.49%–27.49%","feeDelta":0,"aprMinDelta":-0.75,"aprMaxDelta":-0.75},{"cardId":"chase:amazon-prime-visa","cardName":"Chase Amazon Prime Visa","issuerId":"chase","slug":"amazon-prime-visa","canonicalUrl":"https://creditcards.chase.com/cash-back-credit-cards/amazon-prime-rewards","observedAt":"2026-07-10 00:00:00+00","message":"APR range moved from 18.74%–27.49% to 18.74%–29.99%","feeDelta":0,"aprMinDelta":0,"aprMaxDelta":2.5},{"cardId":"chase:ihg-one-rewards-premier","cardName":"Chase Ihg One Rewards Premier","issuerId":"chase","slug":"ihg-one-rewards-premier","canonicalUrl":"https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier","observedAt":"2026-07-10 00:00:00+00","message":"APR range moved from 19.99%–28.99% to 19.24%–29.99%","feeDelta":0,"aprMinDelta":-0.75,"aprMaxDelta":1},{"cardId":"chase:ink-business-cash","cardName":"Chase Ink Business Cash","issuerId":"chase","slug":"ink-business-cash","canonicalUrl":"https://creditcards.chase.com/business-credit-cards/ink/cash","observedAt":"2026-07-10 00:00:00+00","message":"APR range moved from 16.74%–24.74% to 16.74%–29.99%","feeDelta":0,"aprMinDelta":0,"aprMaxDelta":5.25},{"cardId":"chase:ink-business-premier","cardName":"Chase Ink Business Premier","issuerId":"chase","slug":"ink-business-premier","canonicalUrl":"https://creditcards.chase.com/a1/business/Premier0626","observedAt":"2026-07-10 00:00:00+00","message":"APR range moved from 18.49%–26.49% to 17.74%–28.49%","feeDelta":0,"aprMinDelta":-0.75,"aprMaxDelta":2},{"cardId":"chase:marriott-bonvoy-bold","cardName":"Chase Marriott Bonvoy Bold","issuerId":"chase","slug":"marriott-bonvoy-bold","canonicalUrl":"https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold","observedAt":"2026-07-10 00:00:00+00","message":"APR range moved from 19.24%–27.74% to 19.24%–29.99%","feeDelta":0,"aprMinDelta":0,"aprMaxDelta":2.25},{"cardId":"chase:sapphire-reserve","cardName":"Chase Sapphire Reserve","issuerId":"chase","slug":"sapphire-reserve","canonicalUrl":"https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve","observedAt":"2026-07-10 00:00:00+00","message":"APR range moved from 19.49%–29.99% to 19.49%–27.99%","feeDelta":0,"aprMinDelta":0,"aprMaxDelta":-2},{"cardId":"chase:southwest-rapid-rewards-plus","cardName":"Chase Southwest Rapid Rewards Plus","issuerId":"chase","slug":"southwest-rapid-rewards-plus","canonicalUrl":"https://creditcards.chase.com/travel-credit-cards/southwest/plus","observedAt":"2026-07-10 00:00:00+00","message":"APR range moved from 19.24%–27.74% to 19.24%–29.99%","feeDelta":0,"aprMinDelta":0,"aprMaxDelta":2.25},{"cardId":"chase:southwest-rapid-rewards-premier","cardName":"Chase Southwest Rapid Rewards Premier","issuerId":"chase","slug":"southwest-rapid-rewards-premier","canonicalUrl":"https://creditcards.chase.com/travel-credit-cards/southwest/premier","observedAt":"2026-07-10 00:00:00+00","message":"APR range moved from 19.24%–27.74% to 19.24%–29.99%","feeDelta":0,"aprMinDelta":0,"aprMaxDelta":2.25},{"cardId":"chase:united-business","cardName":"Chase United Business","issuerId":"chase","slug":"united-business","canonicalUrl":"https://creditcards.chase.com/business-credit-cards/united/united-business-card","observedAt":"2026-07-10 00:00:00+00","message":"annual fee increased from $99 to $150; APR range moved from 21.24%–29.99% to 19.74%–29.99%","feeDelta":51,"aprMinDelta":-1.5,"aprMaxDelta":0},{"cardId":"citi:aadvantage-business-platinum","cardName":"Citi Aadvantage Business Platinum","issuerId":"citi","slug":"aadvantage-business-platinum","canonicalUrl":"https://www.citi.com/credit-cards/citi-business-aadvantage-platinum-select-mastercard","observedAt":"2026-07-10 00:00:00+00","message":"annual fee decreased from $99 to $0","feeDelta":-99,"aprMinDelta":0,"aprMaxDelta":0},{"cardId":"chase:sapphire-reserve","cardName":"Chase Sapphire Reserve","issuerId":"chase","slug":"sapphire-reserve","canonicalUrl":"https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve","observedAt":"2026-07-09 00:00:00+00","message":"APR range moved from 19.49%–27.99% to 19.49%–29.99%","feeDelta":0,"aprMinDelta":0,"aprMaxDelta":2},{"cardId":"discover:it-cash-back","cardName":"Discover It Cash Back","issuerId":"discover","slug":"it-cash-back","canonicalUrl":"https://www.discover.com/credit-cards/cash-back/it-card/","observedAt":"2026-07-09 00:00:00+00","message":"APR range moved from 17.24%–26.24% to 17.49%–26.49%","feeDelta":0,"aprMinDelta":0.25,"aprMaxDelta":0.25}]}