earnrate 0.0.0-stage → 0.1.0

package/data/LICENSE

@@ -0,0 +1,412 @@
+Everything under data/ is licensed under the Creative Commons
+Attribution-NonCommercial 4.0 International license, reproduced below.
+Copyright (c) 2026 Collin Wasley. For commercial licensing: licensing@earnrate.dev
+
+Attribution-NonCommercial 4.0 International
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package/data/VERSION

@@ -0,0 +1 @@
+2026.10.28.1

package/data/cards/amex-blue-business-plus.yaml

@@ -0,0 +1,62 @@
+id: amex-blue-business-plus
+name: American Express Blue Business Plus Credit Card
+issuer: amex
+network: amex
+currency: MR
+last_verified: 2026-10-26
+verified_by: collin
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-blue-business-plus-credit-card-amex/
+base_rate: 1
+business: true
+annual_fee: 0
+welcome_offer:
+  points: 50000
+  spend: 5000
+  months: 3
+  note: 'The public offer is "as high as" 50,000 points; Amex shows the exact amount after you apply. "Welcome offers vary and you may not be eligible for an offer." The card-specific eligibility rules are in the offer terms, which the headless browser can''t load.'
+rules:
+  - id: amex-travel
+    match:
+      merchants:
+        [
+          amex-travel,
+          amex-travel-hotels,
+          amex-travel-flights,
+          airbnb-amex-travel,
+          amex-travel-car-rentals,
+          amex-travel-cruises,
+        ]
+    rate: 2
+    note: Purchases on AmexTravel.com or the Amex Travel app. They don't count toward the $50,000 cap.
+  - id: everyday-purchases
+    match: { any: true }
+    rate: 2
+    cap: { amount: 50000, period: calendar_year, then_rate: 1 }
+    note: Every eligible purchase, with no category restrictions, up to $50,000 a calendar year.
+# Not modeled: the intro APR.
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-blue-business-plus-credit-card-amex/
+    quote: 'and 1X points thereafter, with no category restrictions'
+  - rule: everyday-purchases
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-blue-business-plus-credit-card-amex/
+    quote: 'on the first $50,000 of eligible purchases per calendar year'
+  - rule: everyday-purchases
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-blue-business-plus-credit-card-amex/
+    quote: 'Earn 2X points on the first $50,000 in eligible purchases per calendar year'
+  - rule: amex-travel
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-blue-business-plus-credit-card-amex/
+    quote: 'Eligible purchases on AmexTravel.com also earn 2X points and will not count toward the first $50,000'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-blue-business-plus-credit-card-amex/
+    quote: 'Annual Fee: $0'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-blue-business-plus-credit-card-amex/
+    quote: 'AS HIGH AS 50,000 Membership Rewards® Points'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-blue-business-plus-credit-card-amex/
+    quote: 'after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership'
+todo:
+  - 'The offer-terms page (https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/bluebusinessplus-credit-card/53591-9-0) returned only 735 characters to the headless browser, so it was not checked. Rates come from the card page only; what counts as an eligible purchase is unconfirmed.'

package/data/cards/amex-blue-cash-everyday.yaml

@@ -0,0 +1,88 @@
+id: amex-blue-cash-everyday
+name: American Express Blue Cash Everyday Card
+issuer: amex
+network: amex
+currency: cash
+last_verified: 2026-10-26
+verified_by: collin
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/card/blue-cash-everyday/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-everyday-credit-card/25330-10-0
+base_rate: 1
+annual_fee: 0
+welcome_offer:
+  dollars: 200
+  spend: 2000
+  months: 6
+  note: 'Paid as Reward Dollars, redeemable for a statement credit or at Amazon.com checkout. The card page says "Earn $200"; the offer terms say "as high as $200", with the exact amount shown before you accept. Not available if you have or have had this Card, the Cash Magnet Card, the Blue Cash Preferred Card (including the Morgan Stanley version) or previous versions of these Cards.'
+rules:
+  - id: us-supermarkets
+    match: { categories: [grocery.supermarket] }
+    exclude: { categories: [superstore, warehouse_club, convenience_store] }
+    rate: 3
+    geography: us_only
+    cap: { amount: 6000, period: calendar_year, then_rate: 1 }
+    note: Superstores, convenience stores, warehouse clubs and meal-kit delivery services are not supermarkets.
+  - id: us-online-retail
+    match:
+      categories:
+        [
+          online_retail,
+          department_store,
+          clothing,
+          electronics,
+          sporting_goods,
+          home_improvement,
+          furniture,
+        ]
+    rate: 3
+    channel: online
+    geography: us_only
+    cap: { amount: 6000, period: calendar_year, then_rate: 1 }
+    note: U.S. merchants selling physical goods, paid on their website or app. Not restaurants, supermarkets, gas, car dealers, travel, entertainment or services. Ordered online but paid in store, in-store mobile wallet, phone or mail orders, and buy-now-pay-later don't count.
+  - id: us-gas
+    match: { categories: [gas] }
+    exclude: { categories: [gas.grocery_store, gas.superstore] }
+    rate: 3
+    geography: us_only
+    cap: { amount: 6000, period: calendar_year, then_rate: 1 }
+    note: Superstores, supermarkets and warehouse clubs that sell gas are not gas stations.
+# Each 3% category has its own $6,000 calendar-year cap. Not modeled: the
+# Disney streaming statement credit.
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-everyday-credit-card/25330-10-0
+    quote: 'and 1% on all other eligible purchases'
+  - rule: us-supermarkets
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-everyday-credit-card/25330-10-0
+    quote: '3% cash back on the first $6,000 of eligible purchases across the Card Account'
+  - rule: us-supermarkets
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-everyday-credit-card/25330-10-0
+    quote: 'at supermarkets located in the U.S. (superstores, convenience stores, warehouse clubs,'
+  - rule: us-online-retail
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-everyday-credit-card/25330-10-0
+    quote: '3% cash back on the first of $6,000 of U.S. online retail purchases'
+  - rule: us-online-retail
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-everyday-credit-card/25330-10-0
+    quote: 'from a U.S. retail merchant that sells physical goods or merchandise directly to consumers'
+  - rule: us-gas
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-everyday-credit-card/25330-10-0
+    quote: '3% cash back on the first $6,000 of purchases of gasoline at gas stations'
+  - rule: us-gas
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-everyday-credit-card/25330-10-0
+    quote: 'superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/us/credit-cards/card/blue-cash-everyday/
+    quote: 'No Annual Fee'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/card/blue-cash-everyday/
+    quote: 'Earn $200 Cash Back'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/card/blue-cash-everyday/
+    quote: 'after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-everyday-credit-card/25330-10-0
+    quote: 'As High as $200 Cash Back Welcome Offer'
+todo:
+  - 'Amazon is filed as online retail, so it earns 3% here; superstore sites (walmart.com, target.com) and online drugstores may too, but the terms define the category by merchant code and type of goods, so they are not modeled.'

package/data/cards/amex-blue-cash-preferred.yaml

@@ -0,0 +1,76 @@
+id: amex-blue-cash-preferred
+name: American Express Blue Cash Preferred Card
+issuer: amex
+network: amex
+currency: cash
+last_verified: 2026-10-24
+verified_by: collin
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/card/blue-cash-preferred/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-preferred-credit-card/25330-10-0#offer-terms
+base_rate: 1
+annual_fee: 95
+first_year_fee: 0
+welcome_offer:
+  dollars: 300
+  spend: 3000
+  months: 6
+  note: 'Paid as Reward Dollars, redeemable for a statement credit or at Amazon.com checkout. The card page says "Earn $300"; the offer terms say "as high as $300", with the exact amount shown before you accept. Not available if you have or have had this Card, the Morgan Stanley Blue Cash Preferred or previous versions of these Cards.'
+rules:
+  - id: us-supermarkets
+    match: { categories: [grocery.supermarket] }
+    exclude: { categories: [superstore, warehouse_club, convenience_store] }
+    rate: 6
+    geography: us_only
+    cap: { amount: 6000, period: calendar_year, then_rate: 1 }
+    note: Superstores, convenience stores, warehouse clubs and meal-kit delivery services are not supermarkets.
+  - id: us-streaming
+    match: { categories: [streaming] }
+    rate: 6
+    geography: us_only
+    note: Select providers only (list at americanexpress.com/rewards-info). Subscriptions bundled with or billed by another company (cable, phone, a car maker) may not count.
+  - id: transit
+    match: { categories: [transit] }
+    rate: 3
+    note: Trains, taxis, rideshare, ferries, tolls, parking, buses and subways. Airfare, car rental and cruises aren't transit.
+  - id: us-gas
+    match: { categories: [gas] }
+    exclude: { categories: [gas.grocery_store, gas.superstore] }
+    rate: 3
+    geography: us_only
+    note: Superstores, supermarkets and warehouse clubs that sell gas are not gas stations.
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-preferred-credit-card/25330-10-0#offer-terms
+    quote: 'and 1% cash back on all other eligible purchases'
+  - rule: us-supermarkets
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-preferred-credit-card/25330-10-0#offer-terms
+    quote: 'at supermarkets located in the U.S. (superstores, convenience stores, warehouse clubs,'
+  - rule: us-streaming
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-preferred-credit-card/25330-10-0#offer-terms
+    quote: '6% cash back on eligible purchases of U.S. streaming subscriptions'
+  - rule: transit
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-preferred-credit-card/25330-10-0#offer-terms
+    quote: '3% cash back on eligible purchases on transit, including trains,'
+  - rule: us-gas
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-preferred-credit-card/25330-10-0#offer-terms
+    quote: 'purchases of gasoline at gas stations located in the U.S.'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/us/credit-cards/card/blue-cash-preferred/
+    quote: '$0 intro annual fee for the first year, then $95'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-preferred-credit-card/25330-10-0#offer-terms
+    quote: 'After that, the annual fee will be $95.'
+  - rule: first_year_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-preferred-credit-card/25330-10-0#offer-terms
+    quote: 'will be $0 for the first year of Card Membership'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/card/blue-cash-preferred/
+    quote: 'Earn $300 Cash Back'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/card/blue-cash-preferred/
+    quote: 'after you spend $3,000 in purchases on your new Card in the first 6 months of Card Membership'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-preferred-credit-card/25330-10-0#offer-terms
+    quote: 'As High As $300 Cash Back Welcome Offer'