{"id":"card-bonus-doc-1st-source-bank-smart-business-rewards-200-in-mi","name":"1st Source Bank Smart Business Rewards 20,000-Point / $200 Welcome Offer — IN, MI","provider":"1st Source Bank Smart Business Rewards","entitlement_type":"credit-card-welcome-bonus","entitlement_type_label":"Credit-card welcome bonus","entitlement_type_context":{"definition":"Points, miles, cash, or another reward offered to an approved new cardholder after satisfying published account and spending conditions.","domain":"financial-rewards","archetype":"conditional-offer","agent_instruction":"Disclose approval, eligibility restrictions, spending threshold, time window, annual fee, offer source, and expiration when known."},"summary":"Eligible new Smart Business Rewards cardholders can earn 20,000 points, worth up to $200, after meeting the opening-spend requirement.","benefit":{"description":"20,000 bonus points worth up to $200","estimated_value_usd":200},"discovery":{"focus":"redeemable-value","has_estimated_dollar_value":true},"access":{"relationships":["Eligible new 1st Source Bank Smart Business Rewards cardholder"],"requirements":"Spend $500 on the Authorized Officer's card within the first 90 days after account opening.","activation":"Apply through an eligible offer path, receive approval, and complete the required purchases in the stated period.","cost_basis":"requires-spend","cost_basis_label":"Spending threshold required","cost_basis_context":{"classification":"conditional-spend","definition":"The benefit requires a specified amount or pattern of eligible spending, commonly within a defined period.","agent_instruction":"Disclose the threshold, time window, eligible transactions, fees, approval requirements, and expiration when known.","variation_patterns":null,"does_not_mean":null},"fees":"No annual fee; confirm current APR and other fees in the issuer disclosures.","personalized":false,"regions":["US","Indiana","Michigan"],"expires":null},"status":"verified","last_checked":"2026-09-01","verification":{"checked_at":"2026-09-01T17:39:46.728Z","outcome":"confirmed-partial","evidence_quality":"provider","checked_url":"https://creditcardlearnmore.com/11t3/smart-business-rewards?ecdma-lc=09372&ecid=OTHE_25940"},"verification_readiness":{"status":"audit-confirmed-partial","latest_outcome":"confirmed-partial","latest_checked_at":"2026-09-01T17:39:46.728Z","interpretation":"The latest official-source audit confirmed the offer, but did not complete every normalized-term and redemption-path check. Review unresolved details before action."},"claim_url":"https://creditcardlearnmore.com/11t3/smart-business-rewards?ecdma-lc=09372&ecid=OTHE_25940","action_url":"https://andrewsfreebies.com/go/entitlement/card-bonus-doc-1st-source-bank-smart-business-rewards-200-in-mi?from=api","official_action":{"allowed":true,"status":"ready","reason":"The latest official-source audit confirmed the offer, but did not complete every normalized-term and redemption-path check. Review unresolved details before action."},"source_url":"https://creditcardlearnmore.com/11t3/smart-business-rewards?ecdma-lc=09372&ecid=OTHE_25940","source":{"primary_url":"https://creditcardlearnmore.com/11t3/smart-business-rewards?ecdma-lc=09372&ecid=OTHE_25940","evidence":[{"source":"Official issuer or co-brand offer terms","url":"https://creditcardlearnmore.com/11t3/smart-business-rewards?ecdma-lc=09372&ecid=OTHE_25940","kind":"provider","checked_at":"2026-08-25"}]},"parent":null,"coverage":null,"web_url":"/benefits/card-bonus-doc-1st-source-bank-smart-business-rewards-200-in-mi","taxonomy":{"version":"1.0","url":"/api/v1/taxonomy"}}