earnrate 0.2.1 → 0.2.3

package/README.md

@@ -167,7 +167,7 @@ Spotted a wrong rate, or want a card added? [Open an issue](https://github.com/c
 
 ## Use it in an AI assistant (MCP)
 
-**In Claude, nothing to install:** add a custom connector (Settings → Connectors) with the address `https://mcp.earnrate.dev`. It works in Claude on the web, desktop and phone. Questions need no sign-in. If you ask it to save your cards, it opens an earnrate page where you start an anonymous wallet: no email, just a recovery code you keep. The wallet tracks caps and welcome bonuses across your Claude apps, and you can export it for the command line or delete it from the chat. In Claude Code:
+**In Claude, nothing to install:** add a custom connector (Settings → Connectors) with the address `https://mcp.earnrate.dev`. It works in Claude on the web, desktop and phone. When you add it, an earnrate page opens once, where you start an anonymous wallet: no email, just a recovery code you keep. Then ask anything: with no cards saved it answers from every card. Name your cards for answers about yours, and save them to track caps and welcome bonuses across your Claude apps. From the chat you can export the wallet for the command line, switch to another one, or delete it. In Claude Code:
 
 ```sh
 claude mcp add --transport http earnrate https://mcp.earnrate.dev
@@ -250,6 +250,7 @@ earnrate needs no account. The local version has no telemetry; the hosted server
 - **AI assistants:** when you use earnrate through Claude or another assistant, that assistant's provider sees the conversation, including earnrate's answers, under its own privacy policy.
 - **earnrate.dev:** everything you enter on the site stays in your browser. The site counts visits with Cloudflare Web Analytics, without cookies.
 - **Retention:** locally, your data lives only in files you control, for as long as you keep them. Delete the wallet file, or clear the site's data in your browser, to remove it. A saved wallet on mcp.earnrate.dev lasts until you delete it or leave it unused for 13 months.
+- **Terms:** [earnrate.dev/terms](https://earnrate.dev/terms).
 - **Contact:** [hello@earnrate.dev](mailto:hello@earnrate.dev).
 
 ## Working on earnrate

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

@@ -14,6 +14,7 @@ welcome_offer:
   points: 50000
   spend: 5000
   months: 3
+  varies: true
   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

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

@@ -3,8 +3,8 @@ name: American Express Blue Cash Everyday Card
 issuer: amex
 network: amex
 currency: cash
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-10-31
+verified_by: claude
 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
@@ -14,6 +14,7 @@ welcome_offer:
   dollars: 200
   spend: 2000
   months: 6
+  varies: true
   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
@@ -62,7 +63,7 @@ evidence:
     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'
+    quote: '3% cash back on the first $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'

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

@@ -3,8 +3,8 @@ name: American Express Blue Cash Preferred Card
 issuer: amex
 network: amex
 currency: cash
-last_verified: 2026-10-24
-verified_by: collin
+last_verified: 2026-10-31
+verified_by: claude
 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
@@ -15,7 +15,8 @@ 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.'
+  varies: true
+  note: 'Paid as Reward Dollars, redeemable for a statement credit or at Amazon.com checkout. Up to $300: the offer terms say "as high as $300", with the exact amount shown after you apply and before you accept. The card page''s headline has shown both "Earn $300" and "As High As $300". 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] }
@@ -67,10 +68,7 @@ evidence:
     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'
+    quote: 'after you spend $3,000 in purchases on your new Card within 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'

package/data/cards/amex-gold.yaml

@@ -14,6 +14,7 @@ welcome_offer:
   points: 100000
   spend: 8000
   months: 6
+  varies: true
   note: 'The public offer is "as high as" 100,000 points; Amex shows the exact amount (which may be lower, or no offer) after you apply and before you accept. Not available if you have or have had this Card, the Premier Rewards Gold Card, the Platinum Card (including the Schwab and Morgan Stanley versions) or previous versions of these Cards; Amex may also decline based on your card history.'
 rules:
   - id: restaurants

package/data/cards/amex-platinum.yaml

@@ -14,6 +14,7 @@ welcome_offer:
   points: 175000
   spend: 12000
   months: 6
+  varies: true
   note: 'The public offer is "as high as" 175,000 points; Amex shows the exact amount (which may be lower, or no offer) after you apply and before you accept. Not available if you have or have had this Card, the Schwab or Morgan Stanley Platinum Card, or previous versions of these Cards; Amex may also decline based on your card history.'
 # One cap covers flights booked directly and through Amex Travel.
 caps:

package/data/cards/bank-of-america-atmos-rewards-ascent.yaml

@@ -3,15 +3,15 @@ name: Atmos Rewards Ascent Visa Signature Credit Card
 issuer: bank-of-america
 network: visa
 currency: atmos-points
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-10-31
+verified_by: claude
 source_urls:
   - https://www.bankofamerica.com/credit-cards/products/alaska-airlines-credit-card/
 base_rate: 1
 annual_fee: 95
 welcome_offer:
-  points: 50000
-  spend: 1500
+  points: 70000
+  spend: 2500
   months: 3
   note: Limited-time online offer, no end date stated; it may not be available elsewhere after leaving the page. The window is 90 days from account opening. The offer also includes a $99 Companion Fare (plus taxes and fees from $23).
 rules:
@@ -62,10 +62,10 @@ evidence:
     quote: '$95 annual fee'
   - rule: welcome_offer
     url: https://www.bankofamerica.com/credit-cards/products/alaska-airlines-credit-card/
-    quote: 'Get 50,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer.'
+    quote: 'Get 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer.'
   - rule: welcome_offer
     url: https://www.bankofamerica.com/credit-cards/products/alaska-airlines-credit-card/
-    quote: 'spend $1,500 or more on purchases within the first 90 days of opening your account'
+    quote: 'spend $2,500 or more on purchases within the first 90 days of opening your account'
 todo:
   - 'The 10% rewards bonus rules use a proposed membership id, bank-of-america-account. Bank of America does not say on this page which accounts are "eligible".'
   - 20% back on Alaska and Hawaiian inflight purchases is a rebate, not points, and isn't modeled.

package/data/cards/bank-of-america-atmos-rewards-summit.yaml

@@ -3,15 +3,15 @@ name: Atmos Rewards Summit Visa Infinite Credit Card
 issuer: bank-of-america
 network: visa
 currency: atmos-points
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-10-31
+verified_by: claude
 source_urls:
   - https://www.bankofamerica.com/credit-cards/products/alaska-airlines-infinite-credit-card/
 base_rate: 1
 annual_fee: 395
 welcome_offer:
-  points: 70000
-  spend: 3000
+  points: 80000
+  spend: 4000
   months: 3
   note: Limited-time online offer, no end date stated; it may not be available elsewhere after leaving the page. The window is 90 days from account opening. The offer also includes a 25,000-point Global Companion Award.
 rules:
@@ -61,10 +61,10 @@ evidence:
     quote: '$395 annual fee and no foreign transaction fees'
   - rule: welcome_offer
     url: https://www.bankofamerica.com/credit-cards/products/alaska-airlines-infinite-credit-card/
-    quote: 'Earn 70,000 bonus points and a 25,000-point Global Companion Award after spending $3,000 or more on purchases'
+    quote: 'Earn 80,000 bonus points and a 25,000-point Global Companion Award after spending $4,000 or more on purchases'
   - rule: welcome_offer
     url: https://www.bankofamerica.com/credit-cards/products/alaska-airlines-infinite-credit-card/
-    quote: '$3,000 or more on purchases within the first 90 days of opening your account'
+    quote: '$4,000 or more on purchases within the first 90 days of opening your account'
 todo:
   - '3x on "foreign transaction" purchases (anything charged in a foreign currency or processed abroad) is not modeled: rules have no foreign-only geography. It would make this card the pick for most purchases abroad.'
   - 'The 10% rewards bonus rules use a proposed membership id, bank-of-america-account. Bank of America does not say on this page which accounts are "eligible".'

package/data/cards/chase-freedom-flex.yaml

@@ -66,7 +66,7 @@ rules:
     requires: { activation: true }
     valid_from: 2026-10-01
     valid_to: 2026-12-31
-    note: Dining already earns 3%, so this adds 2% until the $1,500 quarterly cap.
+    note: Chase says activated categories earn 5% total (4% on top of the 1% base) and doesn't say whether that stacks with the 3% dining rate, so earnrate shows 5%, not 7%, until the $1,500 quarterly cap.
   - id: q4-2026-american-red-cross
     match: { merchants: [american-red-cross] }
     rate: 5
@@ -120,6 +120,9 @@ evidence:
   - rule: q4-2026-dining
     url: https://creditcards.chase.com/cash-back-credit-cards/freedom/flex
     quote: 'Dining American Red Cross'
+  - rule: q4-2026-dining
+    url: https://creditcards.chase.com/cash-back-credit-cards/freedom/flex
+    quote: '5% Cash Back rewards total for each $1 spent until $1,500 is spent'
   - rule: q4-2026-american-red-cross
     url: https://creditcards.chase.com/cash-back-credit-cards/freedom/flex
     quote: 'American Red Cross'
@@ -144,4 +147,5 @@ evidence:
 todo:
   - "Chase's offer-details overlays for the Q4 2026 and Q1 2027 categories (exact grocery exclusions, what counts for American Red Cross) didn't render in the page dump; rules follow the calendar labels and the rewards-category FAQ."
   - 'q4-2026-american-red-cross: what counts (presumably donations) is unconfirmed.'
+  - 'q4-2026-dining: whether the 4% additional stacks on the 3% dining rate (7% total) is unstated; showing 5% until Chase says.'
   - 'Q2 2027 (Apr-Jun) shows "Coming Soon"; add it after Chase posts it (activation opens March 15, 2027).'

package/data/cards/chase-southwest-plus.yaml

@@ -3,18 +3,18 @@ name: Southwest Rapid Rewards Plus Credit Card
 issuer: chase
 network: visa
 currency: southwest-rapid-rewards
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-10-31
+verified_by: claude
 source_urls:
   - https://creditcards.chase.com/travel-credit-cards/southwest/plus
   - https://www.chase.com/personal/credit-cards/rewards-category-faq
 base_rate: 1
 annual_fee: 99
 welcome_offer:
-  points: 50000
+  points: 80000
   spend: 1000
   months: 3
-  note: 'Not available to current cardmembers of any Southwest Rapid Rewards Credit Card, or previous cardmembers of any Southwest Rapid Rewards Credit Card who received a new Cardmember bonus within the last 24 months (this does not apply to business cards).'
+  note: 'Chase labels it a limited-time offer and states no end date. Not available to current cardmembers of any Southwest Rapid Rewards Credit Card, or previous cardmembers of any Southwest Rapid Rewards Credit Card who received a new Cardmember bonus within the last 24 months (this does not apply to business cards).'
 caps:
   - id: gas-and-grocery
     amount: 5000
@@ -48,7 +48,7 @@ evidence:
     quote: '$99 applied to first billing statement.'
   - rule: welcome_offer
     url: https://creditcards.chase.com/travel-credit-cards/southwest/plus
-    quote: 'Earn 50,000 bonus points after you spend $1,000 on purchases in the first 3 months from account opening'
+    quote: 'Earn 80,000 bonus points after you spend $1,000 on purchases in the first 3 months from account opening'
   - rule: base_rate
     url: https://creditcards.chase.com/travel-credit-cards/southwest/plus
     quote: 'Earn 1 point for each dollar spent on all other purchases.'

package/data/cards/chase-southwest-premier-business.yaml

@@ -3,8 +3,8 @@ name: Southwest Rapid Rewards Premier Business Credit Card
 issuer: chase
 network: visa
 currency: southwest-rapid-rewards
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-10-31
+verified_by: claude
 source_urls:
   - https://creditcards.chase.com/southwest/premier-business-credit-card
   - https://creditcards.chase.com/business-credit-cards/southwest/premier-business
@@ -12,10 +12,10 @@ base_rate: 1
 business: true
 annual_fee: 149
 welcome_offer:
-  points: 80000
+  points: 60000
   spend: 3000
   months: 3
-  note: 'Marked a limited-time offer, with 60,000 struck through; the page states no end date. Not available to current cardmembers of this business card, or previous cardmembers who received a new Cardmember bonus for this business card within the last 24 months.'
+  note: 'Not available to current cardmembers of this business card, or previous cardmembers who received a new Cardmember bonus for this business card within the last 24 months.'
 caps:
   - id: gas-and-dining
     amount: 8000
@@ -48,7 +48,10 @@ evidence:
     quote: '$149 applied to first billing statement.'
   - rule: welcome_offer
     url: https://creditcards.chase.com/business-credit-cards/southwest/premier-business
-    quote: '80,000 points after you spend $3,000 on purchases in the first 3 months from account opening'
+    quote: 'Earn 60,000 points'
+  - rule: welcome_offer
+    url: https://creditcards.chase.com/business-credit-cards/southwest/premier-business
+    quote: 'after you spend $3,000 on purchases in the first 3 months from account opening'
   - rule: base_rate
     url: https://creditcards.chase.com/southwest/premier-business-credit-card
     quote: 'You’ll earn 1 point for each $1 spent on all other purchases'

package/data/cards/chase-southwest-premier.yaml

@@ -3,18 +3,18 @@ name: Southwest Rapid Rewards Premier Credit Card
 issuer: chase
 network: visa
 currency: southwest-rapid-rewards
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-10-31
+verified_by: claude
 source_urls:
   - https://creditcards.chase.com/travel-credit-cards/southwest/premier
   - https://www.chase.com/personal/credit-cards/rewards-category-faq
 base_rate: 1
 annual_fee: 149
 welcome_offer:
-  points: 55000
-  spend: 1500
+  points: 85000
+  spend: 2000
   months: 3
-  note: 'Not available to current cardmembers of any Southwest Rapid Rewards Credit Card, or previous cardmembers of any Southwest Rapid Rewards Credit Card who received a new Cardmember bonus within the last 24 months (this does not apply to business cards).'
+  note: 'Chase labels it a limited-time offer and states no end date. Not available to current cardmembers of any Southwest Rapid Rewards Credit Card, or previous cardmembers of any Southwest Rapid Rewards Credit Card who received a new Cardmember bonus within the last 24 months (this does not apply to business cards).'
 caps:
   - id: grocery-and-dining
     amount: 8000
@@ -48,7 +48,7 @@ evidence:
     quote: '$149 applied to first billing statement.'
   - rule: welcome_offer
     url: https://creditcards.chase.com/travel-credit-cards/southwest/premier
-    quote: 'Earn 55,000 bonus points after you spend $1,500 on purchases in the first 3 months from account opening'
+    quote: 'Earn 85,000 bonus points after you spend $2,000 on purchases in the first 3 months from account opening'
   - rule: base_rate
     url: https://creditcards.chase.com/travel-credit-cards/southwest/premier
     quote: 'Earn 1 point for each dollar spent on all other purchases.'

package/data/cards/chase-southwest-priority.yaml

@@ -3,17 +3,17 @@ name: Southwest Rapid Rewards Priority Credit Card
 issuer: chase
 network: visa
 currency: southwest-rapid-rewards
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-10-31
+verified_by: claude
 source_urls:
   - https://creditcards.chase.com/travel-credit-cards/southwest/priority
 base_rate: 1
 annual_fee: 229
 welcome_offer:
-  points: 60000
-  spend: 2000
+  points: 90000
+  spend: 3000
   months: 3
-  note: 'Not available to current cardmembers of any Southwest Rapid Rewards Credit Card, or previous cardmembers of any Southwest Rapid Rewards Credit Card who received a new Cardmember bonus within the last 24 months (this does not apply to business cards).'
+  note: 'Chase labels it a limited-time offer and states no end date. Not available to current cardmembers of any Southwest Rapid Rewards Credit Card, or previous cardmembers of any Southwest Rapid Rewards Credit Card who received a new Cardmember bonus within the last 24 months (this does not apply to business cards).'
 rules:
   - id: southwest
     match: { merchants: [southwest] }
@@ -37,7 +37,7 @@ evidence:
     quote: '$229 applied to first billing statement.'
   - rule: welcome_offer
     url: https://creditcards.chase.com/travel-credit-cards/southwest/priority
-    quote: 'Earn 60,000 bonus points after you spend $2,000 on purchases in the first 3 months from account opening'
+    quote: 'Earn 90,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening'
   - rule: base_rate
     url: https://creditcards.chase.com/travel-credit-cards/southwest/priority
     quote: 'Earn 1 point for each dollar spent on all other purchases.'

package/data/cards/citi-aadvantage-business.yaml

@@ -3,8 +3,8 @@ name: Citi / AAdvantage Business World Elite Mastercard
 issuer: citi
 network: mastercard
 currency: aadvantage-miles
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-10-31
+verified_by: claude
 source_urls:
   - https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card
 # Miles post to the company's AAdvantage Business account, not a personal
@@ -14,9 +14,9 @@ business: true
 annual_fee: 99
 first_year_fee: 0
 welcome_offer:
-  points: 65000
-  spend: 4000
-  months: 4
+  points: 75000
+  spend: 5000
+  months: 5
   note: "Miles post to the business's AAdvantage Business account. Not available if you received a new account bonus for a Citi / AAdvantage Business account in the past 48 months, or converted another Citi card on which you earned a new account bonus in the last 48 months into one."
 rules:
   - id: american-airlines
@@ -72,7 +72,7 @@ evidence:
     quote: 'The annual fee is $99. However, this fee is waived for the first 12 months.'
   - rule: welcome_offer
     url: https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card
-    quote: '65,000 AAdvantage® bonus miles For your business after $4,000 in purchases within the first 4 months of account opening'
+    quote: '75,000 AAdvantage® bonus miles For your business after $5,000 in purchases within the first 5 months of account opening'
   - rule: welcome_offer
     url: https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card
     quote: 'new account bonus for a Citi® / AAdvantage® Business account in the past 48 months'

package/data/cards/citi-aadvantage-platinum-select.yaml

@@ -3,18 +3,18 @@ name: Citi / AAdvantage Platinum Select World Elite Mastercard
 issuer: citi
 network: mastercard
 currency: aadvantage-miles
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-10-31
+verified_by: claude
 source_urls:
   - https://www.citi.com/credit-cards/citi-aadvantage-platinum-elite-credit-card
 base_rate: 1
 annual_fee: 99
 first_year_fee: 0
 welcome_offer:
-  points: 80000
-  spend: 3500
-  months: 4
-  note: 'Citi labels it a limited time offer but states no end date. Not available if you received a new account bonus for a Citi / AAdvantage Platinum Select account in the past 48 months, or converted another Citi card on which you earned a new account bonus in the last 48 months into one.'
+  points: 50000
+  spend: 2500
+  months: 3
+  note: 'Not available if you received a new account bonus for a Citi / AAdvantage Platinum Select account in the past 48 months, or converted another Citi card on which you earned a new account bonus in the last 48 months into one.'
 rules:
   - id: american-airlines
     match: { merchants: [american-airlines] }
@@ -62,7 +62,10 @@ evidence:
     quote: 'Annual fee - $99, waived for the first 12 months.'
   - rule: welcome_offer
     url: https://www.citi.com/credit-cards/citi-aadvantage-platinum-elite-credit-card
-    quote: 'Earn 80,000 AAdvantage® bonus miles after $3,500 in purchases in the first 4 months.'
+    quote: 'Earn 50,000 AAdvantage® bonus miles'
+  - rule: welcome_offer
+    url: https://www.citi.com/credit-cards/citi-aadvantage-platinum-elite-credit-card
+    quote: 'after $2,500 in purchases in the first 3 months'
   - rule: welcome_offer
     url: https://www.citi.com/credit-cards/citi-aadvantage-platinum-elite-credit-card
     quote: 'new account bonus for a Citi® / AAdvantage® Platinum Select® account in the past 48 months'

package/data/cards/citi-costco-anywhere-visa-business.yaml

@@ -3,8 +3,8 @@ name: Costco Anywhere Visa Business Card by Citi
 issuer: citi
 network: visa
 currency: cash
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-10-31
+verified_by: claude
 source_urls:
   - https://www.citi.com/credit-cards/costco-anywhere-visa-business-card
 # Paid once a year as a Costco reward certificate after the February statement,
@@ -30,7 +30,7 @@ rules:
     exclude: { categories: [gas.superstore, gas.grocery_store] }
     rate: 4
     cap: gas-and-ev-combined
-    note: Other eligible gas and EV charging worldwide. Gas or EV charging at superstores, supermarkets, convenience stores and warehouse clubs other than Costco, and fuel for non-automobile use, earn 1%. Citi keeps a list of excluded merchants at citi.com/Costco_Exclusions.
+    note: Other eligible gas and EV charging worldwide. Gas or EV charging at some superstores, supermarkets and warehouse clubs other than Costco, and fuel for non-automobile use, earn 1%. Citi keeps a list of excluded merchants at citi.com/Costco_Exclusions.
   - id: restaurants
     match: { categories: [dining] }
     rate: 3
@@ -63,7 +63,7 @@ evidence:
     quote: '4% cash back on other eligible gas and electric vehicle (EV) charging purchases worldwide'
   - rule: gas-and-ev-charging
     url: https://www.citi.com/credit-cards/costco-anywhere-visa-business-card
-    quote: 'for gas or EV charging purchased at some superstores, supermarkets, convenience stores and warehouse clubs other than Costco'
+    quote: 'for gas or EV charging purchased at some superstores, supermarkets and warehouse clubs other than Costco'
   - rule: restaurants
     url: https://www.citi.com/credit-cards/costco-anywhere-visa-business-card
     quote: '3% cash back on restaurant purchases (including cafes, bars, lounges, and fast food restaurants)'

package/data/merchants/overrides.yaml

@@ -113,7 +113,10 @@
   category: warehouse_club
   in_store:
     accepts: [visa]
-  note: Warehouse registers take Visa only for credit. Costco.com takes other networks.
+  online:
+    accepts: [visa, mastercard]
+  # customerservice.costco.com/app/answers/answer_view/a_id/719 (2026-10-31)
+  note: Warehouse registers take Visa only for credit; Costco.com takes Visa and Mastercard.
 - id: costco-gas
   name: Costco Gas
   aliases: [costco gas station]

package/dist/data/file-store.js

@@ -69,7 +69,9 @@ export class FileWalletStore {
         return this.change(this.existing((w) => updateInWallet(this.catalog, w, input, today)), (text, change) => updateCardText(text ?? '', input.id, change.fields));
     }
     removeCard(cardId) {
-        return this.change(this.existing((w) => removeFromWallet(w, cardId)), (text) => removeCardText(text ?? '', cardId));
+        return this.change(this.existing((w) => w.cards.length === 1 && w.cards[0]?.id === cardId
+            ? failed(`${cardId} is the last card in ${this.where}. To start over, delete that file; to swap cards, add the new one first.`)
+            : removeFromWallet(w, cardId)), (text) => removeCardText(text ?? '', cardId));
     }
     setMemberships(memberships) {
         return this.change(this.existing((w) => withMemberships(this.catalog, w, memberships)), (text, change) => setMembershipsText(text ?? '', change.wallet.memberships));

package/dist/data/store.js

@@ -30,7 +30,11 @@ export class JsonWalletStore {
             const change = apply(before);
             if (!change.ok)
                 return failed(change.error);
-            await this.backend.write(JSON.stringify(change.wallet));
+            // An empty wallet is stored as none: the schema needs a card.
+            if (change.wallet.cards.length === 0)
+                await this.backend.remove();
+            else
+                await this.backend.write(JSON.stringify(change.wallet));
             return {
                 ok: true,
                 wallet: change.wallet,
@@ -62,6 +66,10 @@ export class JsonWalletStore {
     erase() {
         return this.serialized(() => this.backend.remove());
     }
+    // Nothing to sign out of: the backend is the caller's own storage.
+    disconnect() {
+        return Promise.resolve();
+    }
     record(purchase, merchant) {
         return this.serialized(async () => {
             const wallet = await this.load();

package/dist/data/wallet-edit.js

@@ -33,12 +33,20 @@ function fieldLines(field, f, indent) {
         case 'checkout_label':
         case 'anniversary': {
             const value = f[field];
-            return value === undefined ? '' : `${indent}${field}: ${scalar(value)}\n`;
+            return value == null ? '' : `${indent}${field}: ${scalar(value)}\n`;
         }
         case 'activated':
             return f.activated === undefined
                 ? ''
                 : `${indent}activated: ${flowList(f.activated)}\n`;
+        case 'cap_usage': {
+            if (f.cap_usage === undefined)
+                return '';
+            const caps = Object.entries(f.cap_usage)
+                .map(([key, u]) => `${indent}  ${key}: { period: ${scalar(u.period)}, spent: ${String(u.spent)} }\n`)
+                .join('');
+            return caps === '' ? '' : `${indent}cap_usage:\n${caps}`;
+        }
         case 'bonus': {
             if (!f.bonus)
                 return '';
@@ -66,6 +74,7 @@ const FIELDS = [
     'anniversary',
     'chosen',
     'activated',
+    'cap_usage',
     'bonus',
 ];
 function cardsSeq(text) {

package/dist/engine/evaluate.js

@@ -56,7 +56,26 @@ export function pickedCategories(card, held, date) {
     }
     return { picked, staleChoice };
 }
-function applicability(rule, ctx, held, picked) {
+// Activating a rotating quarter (Freedom Flex) turns on all its categories:
+// rules on the same rotating cap with the same dates share one activation.
+export function activationGroup(card, ruleId) {
+    const rule = card.rules.find((r) => r.id === ruleId);
+    const cap = typeof rule?.cap === 'string'
+        ? card.caps.find((c) => c.id === rule.cap)
+        : undefined;
+    if (!rule || !cap?.rotating)
+        return [ruleId];
+    return card.rules
+        .filter((r) => r.requires?.activation === true &&
+        r.cap === rule.cap &&
+        r.valid_from === rule.valid_from &&
+        r.valid_to === rule.valid_to)
+        .map((r) => r.id);
+}
+export function isActivated(card, held, ruleId) {
+    return activationGroup(card, ruleId).some((id) => held.activated.includes(id));
+}
+function applicability(card, rule, ctx, held, picked) {
     const { match, exclude } = rule;
     const inCategory = (cats) => cats.some((c) => categoryMatches(c, ctx.category));
     if (match.categories?.length && !inCategory(match.categories))
@@ -98,7 +117,7 @@ function applicability(rule, ctx, held, picked) {
     const membership = rule.requires?.membership;
     if (membership !== undefined && !ctx.memberships.has(membership))
         return 'no';
-    if (rule.requires?.activation && !held.activated.includes(rule.id))
+    if (rule.requires?.activation && !isActivated(card, held, rule.id))
         return 'needs-activation';
     return 'applies';
 }
@@ -158,7 +177,7 @@ export function evaluateCard(card, held, ctx) {
     let nominal = base;
     const blocked = [];
     for (const rule of card.rules) {
-        const status = applicability(rule, ctx, held, picked);
+        const status = applicability(card, rule, ctx, held, picked);
         if (status === 'no')
             continue;
         if (status === 'needs-activation') {

package/dist/engine/offers.js

@@ -34,6 +34,7 @@ export function compareOffers(catalog, wallet, filters, today) {
             spend: offer.spend,
             months: offer.months,
             validTo: offer.valid_to ?? null,
+            varies: offer.varies === true,
             note: offer.note ?? null,
             annualFee: card.annual_fee ?? null,
             firstYearFee,
@@ -47,7 +48,7 @@ export function compareOffers(catalog, wallet, filters, today) {
     offers.sort((a, b) => b.firstYearValue - a.firstYearValue || a.cardId.localeCompare(b.cardId));
     const notes = [
         `Compares the ${String(catalog.cards.length)} cards earnrate knows, not every card on the market.`,
-        "Each offer is the public one on the issuer's page, checked weekly. Offers can differ by person and by how you apply, and issuers limit who can get a bonus; each card's note says how.",
+        "Each offer is the public one on the issuer's page on the date shown, checked weekly. Yours may differ: issuers test and target offers, so use the one shown to you when you apply. Issuers also limit who can get a bonus; each card's note says how.",
         "First-year value is the bonus at your point values minus the first year's annual fee. It leaves out what the card earns on your spending and any credits or perks.",
     ];
     return { offers, withoutOffer, notes };

package/dist/engine/recommend.js

@@ -23,6 +23,11 @@ const PERIOD_WORDS = {
 const displayName = (e) => e.held.checkout_label ?? e.card.name;
 // "Worth X or more" must hold at X itself, so round up; "less than X" rounds down.
 const roundUp = (n) => String(Math.ceil(n * 100 - EPSILON) / 100);
+// At exactly the break-even value the two cards tie, so only an exact
+// threshold reads "more than".
+const worthAbove = (n) => Math.abs(n * 100 - Math.round(n * 100)) < EPSILON
+    ? `more than ${num(n)}¢`
+    : `${roundUp(n)}¢ or more`;
 const roundDown = (n) => String(Math.floor(n * 100 + EPSILON) / 100);
 function compareEntries(a, b) {
     const byReturn = b.effectiveReturnPct - a.effectiveReturnPct;
@@ -218,7 +223,7 @@ function sensitivity(catalog, entries) {
         if (o.range && oRate > 0) {
             const threshold = winner.effectiveReturnPct / oRate;
             if (threshold > o.centsPerUnit && threshold <= o.range[1]) {
-                consider((threshold - o.centsPerUnit) / o.centsPerUnit, `${displayName(other)} beats ${displayName(winner)} here if ${currencyLabel(catalog, o.currency)} points are worth ${roundUp(threshold)}¢ or more (you value them at ${num(o.centsPerUnit)}¢).`);
+                consider((threshold - o.centsPerUnit) / o.centsPerUnit, `${displayName(other)} beats ${displayName(winner)} here if ${currencyLabel(catalog, o.currency)} points are worth ${worthAbove(threshold)} (you value them at ${num(o.centsPerUnit)}¢).`);
             }
         }
     }
@@ -283,6 +288,14 @@ export function recommend(catalog, wallet, purchase, merchant = resolveMerchant(
     }
     if (!winner) {
         warnings.push(`None of your cards work at ${merchant.resolvedName}.`);
+        const online = merchant.channel === 'in_store' && merchant.merchantId !== null
+            ? resolveMerchantById(catalog, merchant.merchantId, 'online')
+            : null;
+        const alt = online
+            ? rankEntries(catalog, wallet, { ...purchase, channel: 'online' }, online, online.category).entries[0]
+            : undefined;
+        if (alt)
+            warnings.push(`Ordering online instead? ${displayName(alt)} works there (${num(alt.effectiveReturnPct)}%).`);
     }
     else if (merchant.accepts === null &&
         (winner.card.network === 'amex' || winner.card.network === 'discover')) {