earnrate 0.2.10 → 0.2.11

package/README.md

@@ -12,7 +12,7 @@ I wanted a ghost card: one card that always charges the best of my cards. The ca
 - Runs on your machine, in your browser at [earnrate.dev](https://earnrate.dev) (which you can add to your phone's Home Screen and use offline), or in Claude as a connector at `https://mcp.earnrate.dev`, with nothing to install. No account and no affiliate links; the hosted server counts requests by tool name, nothing about what you ask. See the [privacy page](https://earnrate.dev/privacy).
 - U.S. cards and U.S. merchants, for now.
 
-> **Status:** early, and it works: the engine, CLI, optional Claude merchant lookup, MCP server and the hosted Claude connector. See [the benchmark](docs/benchmark.md) (run 2026-10-24) for how it compares to an existing card-picking MCP server.
+> **Status:** early, and it works: the engine, CLI, optional Claude merchant lookup, MCP server and the hosted Claude connector. See [the benchmark](docs/benchmark.md) (run 2026-11-03) for how it compares to an existing card-picking MCP server.
 
 ## Try it
 
@@ -179,17 +179,18 @@ It totals what each card earned against the best card in your wallet for each pu
 
 ## Supported cards
 
-57 cards, each modeled from the issuer's own terms and checked weekly against them:
+69 cards, each modeled from the issuer's own terms and checked weekly against them:
 
 - **American Express:** Gold, Platinum, Blue Cash Preferred, Blue Cash Everyday, Blue Business Plus
+- **American Express airline and hotel:** Delta SkyMiles Gold, Platinum, Reserve; Hilton Honors, Surpass, Aspire; Marriott Bonvoy Brilliant, Bevy
 - **Chase:** Sapphire Preferred, Sapphire Reserve, Freedom Unlimited, Freedom Flex, Ink Business Cash, Ink Business Preferred, Prime Visa
-- **Chase airline and hotel:** United Gateway, Explorer, Quest, Club, Business, Club Business; Southwest Plus, Premier, Priority, Premier Business, Performance Business; Aeroplan; IHG One Rewards, Premier, Premier Select, Business
+- **Chase airline and hotel:** United Gateway, Explorer, Quest, Club, Business, Club Business; Southwest Plus, Premier, Priority, Premier Business, Performance Business; Aeroplan; IHG One Rewards, Premier, Premier Select, Business; Marriott Bonvoy Boundless, Bold
 - **Citi:** Strata Elite, Strata Premier, Double Cash, Custom Cash, My Best Buy Visa, Costco Anywhere Visa (personal and business); AAdvantage MileUp, Platinum Select, Globe, Executive, Business
-- **Capital One:** Venture X, Venture, Savor, Kohl's Card, Kohl's Rewards Visa
+- **Capital One:** Venture X, Venture, Savor, Quicksilver, Kohl's Card, Kohl's Rewards Visa
 - **Wells Fargo:** Active Cash, Autograph
 - **Bank of America:** Atmos Rewards Ascent, Summit, Business; Customized Cash Rewards
 - **TD Bank:** Target Circle Card, Nordstrom card, Nordstrom Visa
-- **Others:** U.S. Bank Cash+, Bilt Obsidian, SoFi Unlimited 2%
+- **Others:** U.S. Bank Cash+, Discover it Cash Back, Bilt Obsidian, SoFi Unlimited 2%
 
 Store cards (Target, Kohl's, Nordstrom) only come up at their own stores. Airline and hotel cards count only what the card itself earns, not the points a program gives members however they pay, and their perks (bags, free nights, lounges) aren't counted.
 
@@ -220,6 +221,13 @@ Use the connector (or plugin) or the local extension, not both: each keeps its o
 - `record_purchase`: books a purchase against its cap, any open welcome bonus and the card's yearly spend bonuses in your wallet file, keeping your comments
 - `search_cards`, `add_card`, `update_card`, `remove_card`, `set_memberships` and `set_point_values`: set up the wallet in conversation, including what your points are worth (memberships and point values need no cards)
 
+Both servers also offer four prompts, ready-made questions you can pick in Claude instead of typing one. None needs your cards:
+
+- `which-card`: which credit card to use at a store or for a kind of purchase, with an optional amount and country
+- `cheat-sheet`: the card for each everyday kind of purchase
+- `this-quarter`: what to do with your saved cards now (activations, picks, caps, welcome bonuses)
+- `set-up`: save your cards by name, with their picks and memberships
+
 Saving cards is optional: name them in the conversation for one answer, or ask the assistant to save them, and it finds them, adds them, and asks about anything a card needs, like this quarter's Cash+ picks.
 
 For a merchant earnrate doesn't know, the calling model can pass a `category` (e.g. `grocery.supermarket`). It's used only for unknown merchants and is labeled in the answer. The command line takes the same thing as `--category`.
@@ -278,7 +286,7 @@ Rotating categories (Freedom Flex) are added each quarter once the issuer posts
 
 earnrate needs no account. The local version has no telemetry; the hosted server counts requests and errors by method, tool name or page only, never what was asked. The full policy is at [earnrate.dev/privacy](https://earnrate.dev/privacy); in short:
 
-- **The Claude connector:** earnrate's server at mcp.earnrate.dev receives each question Claude asks it (a store or kind of purchase, and any amount, spending or cards you gave) and answers without keeping it; request logging is off. It counts requests and errors by method, tool name or page only. Connecting it starts an anonymous wallet (a recovery code, no email). It holds only what you save: card IDs and the details you gave, memberships and point values, never card numbers, and is encrypted with its own key that only your recovery code or your connected apps can unlock. Delete it any time; it's deleted automatically after 13 months unused, or a week if it's never used.
+- **The Claude connector:** earnrate's server at mcp.earnrate.dev receives each question Claude asks it (a store or kind of purchase, and any amount, country, spending or cards you gave) and answers without keeping it; request logging is off. It counts requests and errors by method, tool name or page only. Connecting it starts an anonymous wallet (a recovery code, no email). It holds only what you save: card IDs and the details you gave, memberships and point values, never card numbers, and is encrypted with its own key that only your recovery code or your connected apps can unlock. Delete it any time; it's deleted automatically after 13 months unused, or a week if it's never used.
 - **What it stores locally:** your wallet, a YAML file on your computer (`~/.earnrate/wallet.yaml` unless you set `EARNRATE_WALLET`). It lists cards by product ID, like `amex-gold`, plus your category picks, activations and how much you've spent toward caps. earnrate never asks for or stores card numbers, expiry dates, security codes or bank logins. When you ask about a store earnrate doesn't recognize, its name goes in `~/.earnrate/missed-merchants.json` (`earnrate missed` lists them; `EARNRATE_MISSED_MERCHANTS=off` keeps no list).
 - **What the local version sends:** nothing, by default. The optional merchant lookup (off unless you turn it on with your own Anthropic API key) sends only the name of a store earnrate doesn't recognize to Anthropic's API, and saves the answer in `~/.earnrate/merchant-cache.json`.
 - **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.

package/data/CHANGELOG.md

@@ -2,6 +2,50 @@
 
 Every change to card rules, merchants, categories or currencies under `data/`. Bump `data/VERSION` (`YYYY.MM.DD`, plus `.N` for a second release on the same day) and add a section here in the same commit. Each row cites the issuer page the new value came from.
 
+## 2026.11.03.6
+
+Twelve new cards, each from the issuer's own pages: Delta SkyMiles Gold, Platinum and Reserve, Hilton Honors, Surpass and Aspire, and Marriott Bonvoy Brilliant and Bevy (Amex); Marriott Bonvoy Boundless and Bold (Chase); Capital One Quicksilver; and Discover it Cash Back. New currencies: Delta SkyMiles (1.0¢, Delta's Pay with Miles rate, up to TPG's 1.2¢), Hilton Honors points (0.4¢, TPG's November 2026 valuation; Hilton publishes no cash value) and Marriott Bonvoy points (0.5¢, up to TPG's 0.75¢). New merchants: Delta Vacations, Delta Stays, Caviar, Delivery.com, E-Z, Fox, Payless and Sixt car rentals, and activities through Capital One Travel. The three Hilton cards cite their Amex terms pages at the address Amex serves them from (the first one given returned 404).
+
+| Card                            | Main rates                                                                                                            | Fees                                               | Sources                                                                                                                                                                                                                                                                                                                                                                                    |
+| ------------------------------- | --------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
+| amex-delta-skymiles-gold        | 2x at Delta, restaurants and U.S. supermarkets; 1x else                                                               | $150 annual fee; no foreign transaction fee        | [1](https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/) · [2](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms) · [3](https://www.americanexpress.com/us/content/rewards-info/retail.html)                                                            |
+| amex-delta-skymiles-platinum    | 3x at Delta and hotels; 2x at restaurants and U.S. supermarkets; 1x else                                              | $350 annual fee; no foreign transaction fee        | [1](https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-platinum-american-express-card/) · [2](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms) · [3](https://www.americanexpress.com/us/content/rewards-info/retail.html)                                                    |
+| amex-delta-skymiles-reserve     | 3x at Delta; 1x else                                                                                                  | $650 annual fee; no foreign transaction fee        | [1](https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-reserve-american-express-card/) · [2](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms)                                                                                                                                 |
+| amex-hilton-honors              | 7x at Hilton; 5x at U.S. restaurants, supermarkets and gas; 3x else                                                   | $0 annual fee; no foreign transaction fee          | [1](https://www.americanexpress.com/us/credit-cards/card/hilton-honors/) · [2](https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/hilton-honors-credit-card/25330-10-0#offer-terms) · [3](https://www.americanexpress.com/us/content/rewards-info/retail.html)                                                                                          |
+| amex-hilton-honors-surpass      | 12x at Hilton; 6x at U.S. restaurants, supermarkets and gas; 4x U.S. online retail; 3x else                           | $150 annual fee; no foreign transaction fee        | [1](https://www.americanexpress.com/us/credit-cards/card/hilton-honors-surpass/) · [2](https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/hilton-honors-surpass-credit-card/25330-10-0#offer-terms) · [3](https://www.americanexpress.com/us/content/rewards-info/retail.html)                                                                          |
+| amex-hilton-honors-aspire       | 14x at Hilton; 7x on flights, select car rentals and U.S. restaurants; 3x else                                        | $550 annual fee; no foreign transaction fee        | [1](https://www.americanexpress.com/us/credit-cards/card/hilton-honors-aspire/) · [2](https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/hilton-honors-aspire-credit-card/25330-10-0#offer-terms) · [3](https://www.americanexpress.com/us/content/rewards-info/retail.html) · [4](https://www.americanexpress.com/us/content/rewards-info/travel.html) |
+| chase-marriott-bonvoy-boundless | 6x at Marriott; 3x on dining, grocery and gas (first $6,000 a year); 2x else                                          | $95 annual fee; no foreign transaction fee         | [1](https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless) · [2](https://www.chase.com/personal/credit-cards/rewards-category-faq) · [3](https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65195.html)                                                                                                                  |
+| chase-marriott-bonvoy-bold      | 3x at Marriott; 2x on grocery, internet/cable/phone, streaming, rideshare, food delivery; 1x else                     | $0 annual fee; no foreign transaction fee          | [1](https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold) · [2](https://www.chase.com/personal/credit-cards/rewards-category-faq) · [3](https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65105.html)                                                                                                                       |
+| amex-marriott-bonvoy-brilliant  | 6x at Marriott; 3x at restaurants and on flights; 2x else                                                             | $650 annual fee; no foreign transaction fee        | [1](https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-brilliant/) · [2](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms)                                                                                                                                                                  |
+| amex-marriott-bonvoy-bevy       | 6x at Marriott; 4x at restaurants and U.S. supermarkets (first $15,000 a year); 2x else                               | $250 annual fee; no foreign transaction fee        | [1](https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-bevy/) · [2](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms)                                                                                                                                                                            |
+| capital-one-quicksilver         | 5% on Capital One Travel hotels, rentals and cars and on Capital One Entertainment; 1.5% else                         | $0 annual fee; no foreign transaction fee          | [1](https://www.capitalone.com/credit-cards/quicksilver/) · [2](https://disclosures.capitalone.com/disclosure.42159.en-US.html)                                                                                                                                                                                                                                                            |
+| discover-it-cash-back           | 5% on the Q4 2026 rotating categories once activated (up to $1,500); 5% Capital One Travel and Entertainment; 1% else | $0 annual fee; foreign transaction fee not on file | [1](https://www.discover.com/credit-cards/cash-back/it-card/) · [2](https://disclosures.capitalone.com/disclosure.42300.en-US.html) · [3](https://www.discover.com/credit-cards/cash-back/cashback-calendar.html) · [4](https://www.discover.com/credit-cards/cash-back/cashback-bonus.html) · [5](https://www.discover.com/credit-cards/card-smarts/using-cashback-bonus/)                |
+
+## 2026.11.03.5
+
+Spend milestones that pay something other than points, on 14 cards: United, Sapphire Reserve, Amex Platinum, Aeroplan, the Atmos Rewards cards and two Citi AAdvantage cards. They show in progress, the to-do list and card pages, but pay no points, so no recommendation changes.
+
+| Card                                   | Field      | Old → new                                                                                                                            | Source                                                                                                                              |
+| -------------------------------------- | ---------- | ------------------------------------------------------------------------------------------------------------------------------------ | ----------------------------------------------------------------------------------------------------------------------------------- |
+| chase-united-explorer                  | milestones | new: spend-10k: $100 United TravelBank cash                                                                                          | [Chase United Explorer page](https://creditcards.chase.com/travel-credit-cards/united/united-explorer)                              |
+| chase-united-explorer                  | milestones | new: spend-20k: a 10,000-mile award flight discount                                                                                  | [Chase United Explorer page](https://creditcards.chase.com/travel-credit-cards/united/united-explorer)                              |
+| chase-united-quest                     | milestones | new: spend-20k: a 10,000-mile award flight discount                                                                                  | [Chase United Quest page](https://creditcards.chase.com/travel-credit-cards/united/united-quest)                                    |
+| chase-united-quest                     | milestones | new: spend-40k: 2 global Economy Plus seat upgrades                                                                                  | [Chase United Quest page](https://creditcards.chase.com/travel-credit-cards/united/united-quest)                                    |
+| chase-united-club                      | milestones | new: spend-20k and spend-40k: a 10,000-mile award flight discount each (two a year at most)                                          | [Chase United Club page](https://creditcards.chase.com/travel-credit-cards/united/united-club)                                      |
+| chase-united-club                      | milestones | new: spend-50k: United Club All Access membership                                                                                    | [Chase United Club page](https://creditcards.chase.com/travel-credit-cards/united/united-club)                                      |
+| chase-united-gateway                   | milestones | new: spend-10k: 2 checked bag certificates, 10% or more off award flights, 6x MileagePlus miles from United                          | [Chase United Gateway page](https://creditcards.chase.com/travel-credit-cards/united/united-gateway)                                |
+| chase-united-business                  | milestones | new: spend-25k: 2 continental U.S. Economy Plus seat upgrades                                                                        | [Chase United Business page](https://creditcards.chase.com/business-credit-cards/united/united-business-card)                       |
+| chase-united-club-business             | milestones | new: spend-40k: 2 global Economy Plus seat upgrades                                                                                  | [Chase United Club Business page](https://creditcards.chase.com/business-credit-cards/united/united-club-business)                  |
+| chase-united-club-business             | milestones | new: spend-50k: United Club All Access membership                                                                                    | [Chase United Club Business page](https://creditcards.chase.com/business-credit-cards/united/united-club-business)                  |
+| chase-sapphire-reserve                 | milestones | new: spend-75k: IHG Diamond Elite, Southwest A-List and Hyatt Explorist status, up to $500 Southwest and $250 Shops at Chase credits | [Chase Sapphire Reserve page](https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve)                                  |
+| amex-platinum                          | milestones | new: spend-75k: Centurion Lounge guest access, unlimited Delta Sky Club access                                                       | [Amex Platinum terms](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms) |
+| chase-aeroplan                         | milestones | new: spend-25k and spend-50k: 10,000 SQC each; spend-75k: Aeroplan 35K Status                                                        | [Chase Aeroplan page](https://creditcards.chase.com/travel-credit-cards/aircanada/aeroplan)                                         |
+| bank-of-america-atmos-rewards-ascent   | milestones | new: spend-6k (cardmember year): a $99 Companion Fare                                                                                | [BofA Atmos Ascent page](https://www.bankofamerica.com/credit-cards/products/alaska-airlines-credit-card/)                          |
+| bank-of-america-atmos-rewards-business | milestones | new: spend-6k (cardmember year): a $99 Companion Fare                                                                                | [BofA Atmos Business page](https://www.bankofamerica.com/smallbusiness/credit-cards/products/alaska-airlines-business-credit-card/) |
+| bank-of-america-atmos-rewards-summit   | milestones | new: spend-60k (cardmember year): a 100,000-point Global Companion Award                                                             | [BofA Atmos Summit page](https://www.bankofamerica.com/credit-cards/products/alaska-airlines-infinite-credit-card/)                 |
+| citi-aadvantage-business               | milestones | new: spend-30k (cardmember year): an American Airlines Companion Certificate                                                         | [Citi AAdvantage Business page](https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card)                             |
+| citi-aadvantage-platinum-select        | milestones | new: spend-20k (cardmember year): a $125 American Airlines Flight Discount                                                           | [Citi AAdvantage Platinum Select page](https://www.citi.com/credit-cards/citi-aadvantage-platinum-elite-credit-card)                |
+
 ## 2026.11.03.4
 
 Fixes from testing 0.2.9 in Claude. "BJ's" alone now means BJ's Wholesale Club (BJ's Restaurant & Brewhouse keeps its own names), and the streaming rules on Blue Cash Preferred, United Quest and IHG One Rewards read "select streaming services" with a few examples instead of every service. No rates changed.

package/data/VERSION

@@ -1 +1 @@
-2026.11.03.4
+2026.11.03.6

package/data/cards/amex-delta-skymiles-gold.yaml

@@ -0,0 +1,120 @@
+id: amex-delta-skymiles-gold
+name: Delta SkyMiles Gold American Express Card
+issuer: amex
+network: amex
+currency: delta-skymiles
+last_verified: 2026-11-03
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+  - https://www.americanexpress.com/us/content/rewards-info/retail.html
+base_rate: 1
+annual_fee: 150
+first_year_fee: 0
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 80000
+  spend: 3000
+  months: 6
+  valid_to: 2026-11-04
+  varies: true
+  not_with: [amex-delta-skymiles-platinum, amex-delta-skymiles-reserve]
+  note: 'The public offer is "as high as" 80,000 bonus miles plus a $250 statement credit, both after the same $3,000 in purchases; Amex shows the exact miles (which may be lower, or no offer) after you apply and before you accept. Amex: "You may not be eligible to receive a welcome offer if you have or have had this Card, the Delta SkyMiles® Platinum American Express Card, the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards." Amex may also decline based on your card history.'
+rules:
+  - id: restaurants
+    match: { categories: [dining] }
+    exclude: { merchants: [dodger-stadium, bellagio], mccs: [5813] }
+    rate: 2
+    note: Worldwide, including takeout; third-party delivery counts only in the U.S. Not at restaurants inside hotels, casinos or event venues, or at bars, nightclubs, cafeterias and convenience stores.
+  - id: us-supermarkets
+    match: { categories: [grocery.supermarket] }
+    exclude: { categories: [superstore, warehouse_club, convenience_store] }
+    rate: 2
+    geography: us_only
+    note: Superstores, convenience stores, warehouse clubs and meal-kit delivery services are not supermarkets.
+  - id: delta
+    match: { merchants: [delta, delta-vacations, delta-stays] }
+    rate: 2
+    note: Charged directly with Delta as merchant of record (delta.com, the Fly Delta app, phone, ticket counters), including Basic Economy fares, upgrades, seats, Sky Club membership, Delta-operated in-flight food and drinks, Delta Vacations packages and new Delta Stays bookings. Not Delta gift cards, deltashop.com, the Delta Flight Museum or in-flight Wi-Fi.
+milestones:
+  - id: flight-credit-10k
+    spend: 10000
+    period: calendar_year
+    rewards:
+      - $200 Delta Flight Credit
+    note: A Delta eCredit for Delta flights bought on delta.com or with Delta Reservations (also the airfare part of a Delta Vacations package), not bag fees, upgrades or other fees. It expires one year after it's issued. Additional Card Members' purchases count; gift cards, prepaid cards and cash equivalents don't.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: '1x Mile on eligible purchases: Basic Card Members will earn 1 mile for each dollar'
+  - rule: restaurants
+    url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/
+    quote: 'At restaurants, including takeout and delivery in the U.S.'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: '(for a total of 2 miles) for each dollar of eligible purchases'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'Card Account charged at restaurants worldwide.'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'will not earn additional miles for purchases at bars, nightclubs, cafeterias, and convenience stores'
+  - rule: restaurants
+    url: https://www.americanexpress.com/us/content/rewards-info/retail.html
+    quote: 'fast food restaurants are included in the global restaurants rewards category'
+  - rule: us-supermarkets
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: '2x Miles at U.S. Supermarkets: Basic Card Members will earn 1 additional mile'
+  - rule: us-supermarkets
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'warehouse clubs, and meal-kit delivery services are not considered supermarkets'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: '2x Miles on Delta Purchases: Basic Card Members will earn 1 additional mile'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'charged directly with Delta where Delta is the merchant of record'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'Delta Purchases do not include Delta Gift Cards and purchases made at deltashop.com'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'Delta Purchases include Delta Vacations® packages but not other all-inclusive packages.'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'Delta purchases include new Delta Stays prepaid hotel or vacation rental bookings'
+  - rule: flight-credit-10k
+    url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/
+    quote: 'After you spend $10,000 in eligible purchases on your Card in a calendar year'
+  - rule: flight-credit-10k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'the Basic Card Member will receive a $200 Delta eCredit'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/
+    quote: '$0 introductory annual fee for the first year, then $150.'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'After that, the annual fee will be $150.'
+  - rule: first_year_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-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/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'As High As 80,000 Bonus Miles + $250 Statement Credit'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/
+    quote: 'after you spend $3,000 in purchases on your new Card within the first 6 months'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'Offer ends 11/04/2026 at 11:59pm MST.'
+  - rule: not_with
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'if you have or have had this Card, the Delta SkyMiles® Platinum American Express Card'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+todo:
+  - The welcome offer's $250 statement credit (same $3,000 spend as the miles) isn't counted, since an offer is either miles or dollars.
+  - The welcome offer ends 11/04/2026; re-check the card page for the next one.
+  - Not modeled (statement credits and perks, not miles per dollar) the $100 Delta Stays credit, the $120 rideshare credit (after the first renewal, enrollment required), 20% back on Delta in-flight food and drinks, and TakeOff 15 (15% off Delta award flights).

package/data/cards/amex-delta-skymiles-platinum.yaml

@@ -0,0 +1,118 @@
+id: amex-delta-skymiles-platinum
+name: Delta SkyMiles Platinum American Express Card
+issuer: amex
+network: amex
+currency: delta-skymiles
+last_verified: 2026-11-03
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-platinum-american-express-card/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+  - https://www.americanexpress.com/us/content/rewards-info/retail.html
+base_rate: 1
+annual_fee: 350
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 90000
+  spend: 4000
+  months: 6
+  valid_to: 2026-11-04
+  varies: true
+  not_with: [amex-delta-skymiles-reserve]
+  note: 'The public offer is "as high as" 90,000 bonus miles plus a $300 statement credit, both after the same $4,000 in purchases; Amex shows the exact miles (which may be lower, or no offer) after you apply and before you accept. Amex: "You may not be eligible to receive a welcome offer if you have or have had this Card, the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards." Amex may also decline based on your card history.'
+rules:
+  - id: delta
+    match: { merchants: [delta, delta-vacations, delta-stays] }
+    rate: 3
+    note: Charged directly with Delta as merchant of record (delta.com, the Fly Delta app, phone, ticket counters), including Basic Economy fares, upgrades, seats, Sky Club membership, Delta-operated in-flight food and drinks, Delta Vacations packages and new Delta Stays bookings. Not Delta gift cards, deltashop.com, the Delta Flight Museum or in-flight Wi-Fi.
+  - id: hotels
+    match: { categories: [travel.hotels] }
+    rate: 3
+    note: Worldwide, paid directly to the hotel, including paying at check-in or check-out for a stay reserved through a third party. Not hotels prepaid through an online travel agency or in a vacation package. Shops, spas and restaurants inside a hotel don't count unless charged to the room and paid at checkout.
+  - id: restaurants
+    match: { categories: [dining] }
+    exclude: { merchants: [dodger-stadium, bellagio], mccs: [5813] }
+    rate: 2
+    note: Worldwide, including takeout; third-party delivery counts only in the U.S. Not at restaurants inside hotels, casinos or event venues, or at bars, nightclubs, cafeterias and convenience stores.
+  - id: us-supermarkets
+    match: { categories: [grocery.supermarket] }
+    exclude: { categories: [superstore, warehouse_club, convenience_store] }
+    rate: 2
+    geography: us_only
+    note: Superstores, convenience stores, warehouse clubs and meal-kit delivery services are not supermarkets.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: '1x Mile on eligible purchases: Basic Card Members will earn 1 mile for each dollar'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: '3x Miles on Delta Purchases: Basic Card Members will earn 2 additional miles'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'charged directly with Delta where Delta is the merchant of record'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'Delta Purchases do not include Delta Gift Cards and purchases made at deltashop.com'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'Delta Purchases include Delta Vacations® packages but not other all-inclusive packages.'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'Delta Purchases include new Delta Stays prepaid hotel or vacation rental bookings'
+  - rule: hotels
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: '3x Miles at Hotels: Basic Card Members will earn 2 additional miles'
+  - rule: hotels
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'Card Account charged directly with hotels worldwide.'
+  - rule: hotels
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'will not earn additional miles if the hotel is prepaid with a third party'
+  - rule: restaurants
+    url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-platinum-american-express-card/
+    quote: 'At restaurants, including takeout and delivery in the U.S.'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: '2x Miles at Restaurants: Basic Card Members will earn 1 additional mile'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'Card Account charged at restaurants worldwide.'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'will not earn additional miles for purchases at bars, nightclubs, cafeterias, and convenience stores'
+  - rule: restaurants
+    url: https://www.americanexpress.com/us/content/rewards-info/retail.html
+    quote: 'fast food restaurants are included in the global restaurants rewards category'
+  - rule: us-supermarkets
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: '2x Miles at U.S. Supermarkets: Basic Card Members will earn 1 additional mile'
+  - rule: us-supermarkets
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'warehouse clubs, and meal-kit delivery services are not considered supermarkets'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-platinum-american-express-card/
+    quote: 'The annual fee for the Delta SkyMiles® Platinum American Express Card is $350.'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'Annual Fee $350 Transaction Fees'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'As High As 90,000 Bonus Miles + Earn $300 Statement Credit'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-platinum-american-express-card/
+    quote: 'after you spend $4,000 in purchases on your new Card within the first 6 months'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'Offer ends 11/04/2026 at 23:59 MST.'
+  - rule: not_with
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'if you have or have had this Card, the Delta SkyMiles® Reserve American Express Card'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+todo:
+  - The welcome offer's $300 statement credit (same $4,000 spend as the miles) isn't counted, since an offer is either miles or dollars.
+  - The welcome offer ends 11/04/2026; re-check the card page for the next one.
+  - MQD Boost ($1 Medallion Qualification Dollar per $20 of purchases each calendar year) can't be expressed, since it's a second per-dollar currency, not miles and not a one-time spend total.
+  - Not tied to spending, so not modeled as milestones the $2,500 MQD Headstart each Medallion Qualification Year and the Companion Certificate each year after renewal.
+  - Not modeled (statement credits and perks, not miles per dollar) the $150 Delta Stays credit, the $120 rideshare credit and $120 Resy credit (enrollment required), 20% back on Delta in-flight food and drinks, and TakeOff 15 (15% off Delta award flights).

package/data/cards/amex-delta-skymiles-reserve.yaml

@@ -0,0 +1,80 @@
+id: amex-delta-skymiles-reserve
+name: Delta SkyMiles Reserve American Express Card
+issuer: amex
+network: amex
+currency: delta-skymiles
+last_verified: 2026-11-03
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-reserve-american-express-card/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+base_rate: 1
+annual_fee: 650
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 50000
+  spend: 10000
+  months: 6
+  valid_to: 2026-11-04
+  note: 'Plus two Delta Comfort Flight Certificates after the same $10,000 in purchases: each is one round trip from the U.S. to the lower 48, Puerto Rico or the U.S. Virgin Islands, booked at least 21 days ahead, with up to $80 in taxes and fees, flown by January 15, 2028. Amex: "You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card." Amex may also decline based on your card history.'
+rules:
+  - id: delta
+    match: { merchants: [delta, delta-vacations, delta-stays] }
+    rate: 3
+    note: Charged directly with Delta as merchant of record (delta.com, the Fly Delta app, phone, ticket counters), including Basic Economy fares, upgrades, seats, Sky Club membership, Delta-operated in-flight food and drinks, Delta Vacations packages and new Delta Stays bookings. Not Delta gift cards, deltashop.com, the Delta Flight Museum or in-flight Wi-Fi.
+milestones:
+  - id: unlimited-sky-club-75k
+    spend: 75000
+    period: calendar_year
+    rewards:
+      - Unlimited Delta Sky Club access
+    note: Replaces the 15 yearly Visits for the Basic and Additional Reserve Card Members, for the rest of that calendar year, all of the next and through January 31 after it. Usually within a week of reaching the total, up to 12 weeks. Gift cards, prepaid cards and cash equivalents don't count.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: '1x Mile on eligible purchases: Basic Card Members will earn 1 mile for each dollar'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: '3x Miles on Delta Purchases: Basic Card Members will earn 2 additional miles'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'charged directly with Delta where Delta is the merchant of record'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'Delta Purchases do not include Delta Gift Cards and purchases made at deltashop.com'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'Delta Purchases include Delta Vacations® packages but not other all-inclusive packages.'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'Delta Purchases include new Delta Stays prepaid hotel or vacation rental bookings'
+  - rule: unlimited-sky-club-75k
+    url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-reserve-american-express-card/
+    quote: 'unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card during a calendar year'
+  - rule: unlimited-sky-club-75k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'must equal or exceed $75,000 (the "Purchase Requirement") in each calendar year'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'The annual fee for the Delta SkyMiles® Reserve American Express Card is $650.'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'Earn 50,000 Bonus Miles + 2 Delta Comfort Flight Certificates'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'after you make $10,000 or more (the "Threshold Amount") in eligible purchases'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'within your first 6 months of Card Membership'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'Offer ends 11/04/2026 at 23:59 MST.'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+todo:
+  - The welcome offer's two Delta Comfort Flight Certificates aren't valued.
+  - The welcome offer ends 11/04/2026; re-check the card page for the next one.
+  - MQD Boost ($1 Medallion Qualification Dollar per $10 of purchases each calendar year) can't be expressed, since it's a second per-dollar currency, not miles and not a one-time spend total.
+  - Not tied to spending, so not modeled as milestones the $2,500 MQD Headstart each Medallion Qualification Year and the Companion Certificate each year after renewal.
+  - Not modeled (statement credits and perks, not miles per dollar) the $200 Delta Stays credit, the $240 Resy credit and $120 rideshare credit (enrollment required), 15 Sky Club Visits and 4 guest passes a year, Centurion Lounge access, 20% back on Delta in-flight food and drinks, and TakeOff 15 (15% off Delta award flights).

package/data/cards/amex-hilton-honors-aspire.yaml

@@ -0,0 +1,140 @@
+id: amex-hilton-honors-aspire
+name: Hilton Honors American Express Aspire Card
+issuer: amex
+network: amex
+currency: hilton-honors
+last_verified: 2026-11-03
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/card/hilton-honors-aspire/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+  - https://www.americanexpress.com/us/content/rewards-info/retail.html
+  - https://www.americanexpress.com/us/content/rewards-info/travel.html
+base_rate: 3
+annual_fee: 550
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 200000
+  spend: 6000
+  months: 6
+  valid_to: 2027-01-13
+  note: 'Amex: "You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of these Cards," and may also decline based on your history with balance transfers, as a Card Member, and the number of cards you have opened and closed. Offers may vary between advertisements.'
+rules:
+  - id: hilton-purchases
+    match: { merchants: [hilton] }
+    rate: 14
+    note: Charged directly with a hotel or resort in the Hilton portfolio. Bookings count only through a Hilton-operated reservation channel, not online travel sites; incidentals (hotel restaurants, spas) count when charged to the room and paid with the card at checkout.
+  - id: us-restaurants
+    match: { categories: [dining] }
+    exclude: { merchants: [dodger-stadium, bellagio], mccs: [5813] }
+    rate: 7
+    geography: us_only
+    note: U.S. restaurants, including takeout and delivery. Not restaurants abroad (even U.S.-owned chains), nightclubs or bars, and possibly not restaurants inside hotels, casinos or event venues.
+  - id: flights
+    match: { categories: [travel.flights] }
+    rate: 7
+    note: Scheduled flights charged directly with the airline or through Amex Travel. Charter and private jet flights are excluded.
+  - id: flights-amex-travel
+    match: { merchants: [amex-travel-flights] }
+    rate: 7
+  - id: select-car-rentals
+    match:
+      merchants:
+        [
+          alamo,
+          avis,
+          budget,
+          dollar-car-rental,
+          enterprise,
+          ez-rent-a-car,
+          fox-rent-a-car,
+          hertz,
+          national-car-rental,
+          payless-car-rental,
+          sixt,
+          thrifty,
+        ]
+    rate: 7
+    note: Bought directly from one of Amex's select major car rental companies, at U.S. or international locations. Not through a third party such as an online travel agency, and not as part of a vacation package.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'You will receive 3 Hilton Honors Bonus Points for each dollar of eligible purchases.'
+  - rule: hilton-purchases
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'for a total of 14, for each dollar of eligible purchases charged directly with a property within the Hilton portfolio'
+  - rule: hilton-purchases
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'the booking must be made directly through a reservation channel operated by Hilton'
+  - rule: us-restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'for a total of 7, for each dollar of eligible purchases at the following categories of merchants'
+  - rule: us-restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'You will NOT get additional Points for purchases made at a restaurant owned by a U.S. company'
+  - rule: us-restaurants
+    url: https://www.americanexpress.com/us/content/rewards-info/retail.html
+    quote: 'You will NOT earn additional rewards at bars, nightclubs, convenience stores, supermarkets'
+  - rule: us-restaurants
+    url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors-aspire/
+    quote: 'At U.S. restaurants, including takeout and delivery.'
+  - rule: flights
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'airfare on a scheduled flight charged directly with passenger airlines'
+  - rule: flights
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: '(charter flights and private jet flights are excluded)'
+  - rule: flights-amex-travel
+    url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors-aspire/
+    quote: 'Including flights booked directly with airlines or AmexTravel.com'
+  - rule: select-car-rentals
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'purchases directly from select major car rental companies listed at americanexpress.com/rewards-info'
+  - rule: select-car-rentals
+    url: https://www.americanexpress.com/us/content/rewards-info/travel.html
+    quote: 'Car rental companies included are Alamo, Avis, Budget, Dollar, Enterprise, E-Z, Fox, Hertz, National, Payless, Sixt and Thrifty.'
+  - rule: select-car-rentals
+    url: https://www.americanexpress.com/us/content/rewards-info/travel.html
+    quote: 'whether you rent a car from a US or international location.'
+  - rule: select-car-rentals
+    url: https://www.americanexpress.com/us/content/rewards-info/travel.html
+    quote: 'vacation package or purchased through a third party, such as an online travel agent.'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors-aspire/
+    quote: 'The annual fee for the Hilton Honors American Express Aspire Card is $550.'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors-aspire/
+    quote: 'Best Hilton Points Offer Yet: Earn 200,000 Hilton Honors Bonus Points'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'after you spend $6,000 (the "Threshold Amount") on eligible purchases on your Card in your first 6 months'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'Offer ends 01/13/2027 at 11:59 PM MST.'
+  - rule: spend-30k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'Account reach $30,000 or more in a calendar year.'
+  - rule: spend-60k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'totaling $60,000 or more in cumulative purchases in that calendar year.'
+milestones:
+  - id: spend-30k
+    spend: 30000
+    period: calendar_year
+    rewards:
+      - Free Night Reward
+    note: Basic Card Member only, though Additional Card purchases count. A standard room for one night, expiring a year after it is issued. Amex says 8-12 weeks to arrive by email.
+  - id: spend-60k
+    spend: 60000
+    period: calendar_year
+    rewards:
+      - A second Free Night Reward
+    note: Another $30,000 on top of the first, $60,000 in the calendar year in all.
+todo:
+  - The Annual Free Night Reward (one each year of Card Membership, no spending needed) isn't modeled.
+  - "Statement credits aren't modeled: the $400 Hilton Resort credit (up to $200 each half year at participating Hilton Resorts), the $200 flight credit (up to $50 each quarter), and the $219 CLEAR+ credit."
+  - The $100 property credit on two-night Waldorf Astoria and Conrad stays booked through the Aspire card site or phone line is an on-property credit, not modeled.
+  - Complimentary Hilton Honors Diamond status and National Car Rental Emerald Club Executive status aren't modeled.