earnrate 0.2.10 → 0.2.11

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

@@ -0,0 +1,151 @@
+id: amex-hilton-honors-surpass
+name: Hilton Honors American Express Surpass 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-surpass/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+  - https://www.americanexpress.com/us/content/rewards-info/retail.html
+base_rate: 3
+annual_fee: 150
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 130000
+  spend: 3000
+  months: 6
+  valid_to: 2027-01-13
+  note: 'Plus one Free Night Reward (a standard room, expiring 12 months after it is issued), which earnrate does not value. Amex: "You may not be eligible to receive a welcome offer if you have or have had this Card, the Hilton Honors Amex Ascend 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: 12
+    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: 6
+    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: us-supermarkets
+    match: { categories: [grocery.supermarket] }
+    exclude: { categories: [superstore, warehouse_club, convenience_store] }
+    rate: 6
+    geography: us_only
+    note: Not superstores or warehouse clubs.
+  - id: us-gas
+    match: { categories: [gas] }
+    exclude: { categories: [gas.grocery_store, gas.superstore] }
+    rate: 6
+    geography: us_only
+    note: U.S. gas stations; not gas at superstores or warehouse clubs.
+  - id: us-online-retail
+    match:
+      categories:
+        [
+          online_retail,
+          superstore,
+          drugstore,
+          department_store,
+          clothing,
+          electronics,
+          sporting_goods,
+          home_improvement,
+          furniture,
+        ]
+    rate: 4
+    channel: online
+    geography: us_only
+    note: U.S. merchants selling physical goods, paid on their own website or app. Not restaurants, supermarkets, gas, car dealers, travel, entertainment or services. Online marketplaces with multiple retailers and third-party payment accounts don't count, nor do orders paid in store, in-store mobile wallet, phone or mail orders, or buy-now-pay-later. Amex's rewards-info page names Amazon.com and Walmart.com as online retailers, but these terms also exclude online marketplaces with multiple retailers, so Amazon Marketplace sellers may not earn 4x.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-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-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'for a total of 12, 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-surpass-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-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'for a total of 6, 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-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'excluding superstores and warehouse clubs: restaurants located in the U.S., supermarkets located in the U.S.'
+  - rule: us-restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-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-surpass/
+    quote: 'At U.S. restaurants, including takeout and delivery.'
+  - rule: us-supermarkets
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'supermarkets located in the U.S. and on gasoline at gas stations located in the U.S.'
+  - rule: us-gas
+    url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors-surpass/
+    quote: 'Earn 6X Hilton Honors Bonus Points at U.S. restaurants, U.S. gas stations, and U.S. supermarkets.'
+  - rule: us-gas
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'excluding superstores and warehouse clubs'
+  - rule: us-online-retail
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'for a total of 4, for each dollar of eligible online retail purchases'
+  - rule: us-online-retail
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'from a U.S. retail merchant that sells physical goods or merchandise directly to consumers'
+  - rule: us-online-retail
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'Purchases made through a third-party payment account or on an online marketplace (with multiple retailers)'
+  - rule: us-online-retail
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'You will not receive additional Hilton Honors Bonus Points for purchases made online but paid for in store.'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'Annual Fee $150 Transaction Fees'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-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-surpass/
+    quote: 'Earn 130,000 Hilton Honors Bonus Points + A Free Night Reward'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'after you spend $3,000 (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-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'Offer ends 01/13/2027 at 23:59 MST.'
+  - rule: spend-15k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'account reach $15,000 in a calendar year.'
+  - rule: spend-15k
+    url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors-surpass/
+    quote: 'Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases'
+  - rule: spend-40k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'You may receive an upgrade to Hilton Honors Diamond status if the total eligible purchases'
+  - rule: spend-40k
+    url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors-surpass/
+    quote: 'after you spend $40,000 in eligible purchases on your Card in a calendar year.'
+milestones:
+  - id: spend-15k
+    spend: 15000
+    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-40k
+    spend: 40000
+    period: calendar_year
+    rewards:
+      - Hilton Honors Diamond status
+    note: Basic Card Member only, though Additional Card purchases count. Calendar year regardless of when the account opened. Diamond lasts through the end of the next calendar year.
+todo:
+  - The $200 Hilton credit (up to $50 in statement credits each calendar quarter on purchases made directly with a Hilton property) isn't modeled.
+  - Complimentary Hilton Honors Gold status and National Car Rental Emerald Club Executive status (with enrollment) aren't modeled.
+  - The welcome offer's Free Night Reward isn't valued; a welcome offer holds only points.

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

@@ -0,0 +1,117 @@
+id: amex-hilton-honors
+name: Hilton Honors American Express 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/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-credit-card/25330-10-0#offer-terms
+  - https://www.americanexpress.com/us/content/rewards-info/retail.html
+base_rate: 3
+annual_fee: 0
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 70000
+  spend: 2000
+  months: 6
+  valid_to: 2027-01-13
+  note: 'Plus one Free Night Reward (a standard room, expiring 12 months after it is issued), which earnrate does not value. 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: 7
+    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: 5
+    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: us-supermarkets
+    match: { categories: [grocery.supermarket] }
+    exclude: { categories: [superstore, warehouse_club, convenience_store] }
+    rate: 5
+    geography: us_only
+    note: Groceries at superstores, warehouse clubs and convenience stores, and meal-kit delivery services, earn the 3x base rate.
+  - id: us-gas
+    match: { categories: [gas] }
+    exclude: { categories: [gas.grocery_store, gas.superstore] }
+    rate: 5
+    geography: us_only
+    note: Gas at supermarkets, superstores and warehouse clubs earns the 3x base rate.
+milestones:
+  - id: spend-20k
+    spend: 20000
+    period: calendar_year
+    rewards:
+      - Hilton Honors Gold status
+    note: Basic Card Member only, though Additional Card purchases count. Calendar year regardless of when the account opened. Gold lasts through the end of the next calendar year. Amex says about 10-12 weeks to take effect.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-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-credit-card/25330-10-0#offer-terms
+    quote: 'for a total of 7, 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-credit-card/25330-10-0#offer-terms
+    quote: 'the booking must be made directly through a reservation channel operated by Hilton'
+  - rule: hilton-purchases
+    url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors/
+    quote: 'Earn 7X Hilton Honors Bonus Points on eligible Hilton purchases'
+  - rule: us-restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-credit-card/25330-10-0#offer-terms
+    quote: 'for a total of 5, 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-credit-card/25330-10-0#offer-terms
+    quote: 'restaurants located in the U.S., supermarkets located in the U.S.'
+  - rule: us-restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-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/en-us/credit-cards/apply/terms/personal/hilton-honors-credit-card/25330-10-0#offer-terms
+    quote: 'a restaurant located within another establishment (e.g. a restaurant inside a hotel, casino, or event venue)'
+  - 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/
+    quote: 'At U.S. restaurants, including takeout and delivery.'
+  - rule: us-supermarkets
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-credit-card/25330-10-0#offer-terms
+    quote: 'supermarkets located in the U.S. and on gasoline at gas stations located in the U.S.'
+  - rule: us-supermarkets
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-credit-card/25330-10-0#offer-terms
+    quote: 'purchases of groceries made at superstores, warehouse clubs, and convenience stores'
+  - rule: us-gas
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-credit-card/25330-10-0#offer-terms
+    quote: 'Purchases of gasoline at supermarkets, superstores, and warehouse clubs will only get 3 Bonus Points per dollar.'
+  - rule: us-gas
+    url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors/
+    quote: 'Earn 5X Hilton Honors Bonus Points at U.S. restaurants, U.S. gas stations, and U.S. supermarkets'
+  - rule: spend-20k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-credit-card/25330-10-0#offer-terms
+    quote: 'You may receive an upgrade to Hilton Honors Gold status if the total eligible purchases'
+  - rule: spend-20k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-credit-card/25330-10-0#offer-terms
+    quote: 'during a calendar year reach $20,000 or more.'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors/
+    quote: 'There is no annual fee for the Hilton Honors American Express Card.'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-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/
+    quote: 'Earn 70,000 Hilton Honors Bonus Points + A Free Night Reward'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-credit-card/25330-10-0#offer-terms
+    quote: 'after you spend $2,000 (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-credit-card/25330-10-0#offer-terms
+    quote: 'Offer ends 01/13/2027 at 11:59 PM MST.'
+todo:
+  - Complimentary Hilton Honors Silver status (automatic with the card) isn't modeled.
+  - The welcome offer's Free Night Reward isn't valued; a welcome offer holds only points.

package/data/cards/amex-marriott-bonvoy-bevy.yaml

@@ -0,0 +1,116 @@
+id: amex-marriott-bonvoy-bevy
+name: Marriott Bonvoy Bevy American Express Card
+issuer: amex
+network: amex
+currency: marriott-bonvoy
+last_verified: 2026-11-03
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-bevy/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+base_rate: 2
+annual_fee: 250
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 85000
+  spend: 5000
+  months: 6
+  not_with:
+    [
+      amex-marriott-bonvoy-brilliant,
+      chase-marriott-bonvoy-boundless,
+      chase-marriott-bonvoy-bold,
+    ]
+  note: 'No end date given. Not available if you have or have had this Card, the Marriott Bonvoy Brilliant Card or previous versions; Amex may also decline based on your card history. Also not available to anyone who had a Ritz-Carlton card from J.P. Morgan or a Marriott card from Chase (including Bountiful, Boundless and Bold) in the last 30 days, opened Bountiful, Boundless or Bold in the last 90 days, or got a new cardmember or upgrade bonus on one of those in the last 24 months.'
+caps:
+  - {
+      id: dining-and-supermarkets,
+      amount: 15000,
+      period: calendar_year,
+      then_rate: 2,
+    }
+rules:
+  - id: marriott-hotels
+    match: { merchants: [marriott] }
+    rate: 6
+    note: Charged directly with participating Marriott Bonvoy hotels, standalone Marriott retail stores and Marriott online stores (including Marriott gift cards online). Marriott's own member and elite points for stays aren't card earnings.
+  - id: restaurants
+    match: { categories: [dining] }
+    rate: 4
+    cap: dining-and-supermarkets
+    note: Restaurants worldwide, including takeout and delivery in the U.S., on the first $15,000 a calendar year combined with U.S. supermarkets. Not nightclubs or convenience stores; a restaurant inside a hotel, casino or event venue may code as that place instead.
+  - id: us-supermarkets
+    match: { categories: [grocery.supermarket] }
+    exclude: { categories: [superstore, warehouse_club, convenience_store] }
+    rate: 4
+    geography: us_only
+    cap: dining-and-supermarkets
+    note: On the first $15,000 a calendar year combined with restaurants. Superstores, convenience stores, warehouse clubs and meal-kit delivery services are not supermarkets.
+milestones:
+  - id: free-night-15k
+    spend: 15000
+    period: calendar_year
+    rewards:
+      - Free Night Award (up to 50,000 points a night)
+    note: One a calendar year. Deposited 8-12 weeks after you reach the total; it expires a year after it's issued. Basic Card Member only.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'You will receive 2 Marriott Bonvoy® points for each U.S. dollar of eligible purchases charged'
+  - rule: base_rate
+    url: https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-bevy/
+    quote: '2X points on all other eligible purchases.'
+  - rule: marriott-hotels
+    url: https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-bevy/
+    quote: '6X points at hotels participating in Marriott Bonvoy®'
+  - rule: marriott-hotels
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'when charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments'
+  - rule: restaurants
+    url: https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-bevy/
+    quote: '4X points at restaurants worldwide including takeout and delivery in the U.S. and U.S. Supermarkets'
+  - rule: restaurants
+    url: https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-bevy/
+    quote: 'on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'You will NOT earn 2 additional points for purchases at nightclubs or convenience stores.'
+  - rule: us-supermarkets
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'for each dollar of eligible purchases charged at supermarkets located in the United States'
+  - rule: us-supermarkets
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets'
+  - rule: us-supermarkets
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'Once you reach $15,000 in combined purchases at restaurants worldwide and U.S.'
+  - rule: free-night-15k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'your total eligible purchases on your Marriott Bonvoy Bevy® American Express® Card reach $15,000'
+  - rule: free-night-15k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'Limit one Free Night Award per calendar year.'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-bevy/
+    quote: 'Annual Fee: $250'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'Annual Fee $250 Transaction Fees'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-bevy/
+    quote: 'Earn 85,000 Marriott Bonvoy® Bonus Points'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'eligible purchases on your Marriott Bonvoy Bevy® American Express® Card within your first 6 months of Card Membership'
+  - rule: not_with
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'if you have or have had this Card, the Marriott Bonvoy Brilliant® American Express® Card'
+  - rule: not_with
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'the Marriott Bonvoy Bold® Credit Card from Chase, the Marriott Bonvoy® Premier Plus Business Credit Card'
+todo:
+  - 1,000 bonus points per paid eligible stay booked directly with Marriott is per stay, not per dollar, so it isn't modeled.
+  - Complimentary Gold Elite status and 15 Elite Night Credits each calendar year aren't modeled; they don't depend on spending.

package/data/cards/amex-marriott-bonvoy-brilliant.yaml

@@ -0,0 +1,91 @@
+id: amex-marriott-bonvoy-brilliant
+name: Marriott Bonvoy Brilliant American Express Card
+issuer: amex
+network: amex
+currency: marriott-bonvoy
+last_verified: 2026-11-03
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-brilliant/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+base_rate: 2
+annual_fee: 650
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 100000
+  spend: 6000
+  months: 6
+  note: 'No end date given. Not available if you have or have had this Card, the Starwood Preferred Guest American Express Luxury Card or previous versions; Amex may also decline based on your card history. Also not available to anyone who had a Ritz-Carlton card from J.P. Morgan in the last 30 days, opened the Marriott Bonvoy Bountiful, Boundless or Bold card from Chase in the last 90 days, or got a new cardmember or upgrade bonus on one of those Chase cards in the last 24 months.'
+rules:
+  - id: marriott-hotels
+    match: { merchants: [marriott] }
+    rate: 6
+    note: Charged directly with participating Marriott Bonvoy hotels, standalone Marriott retail stores and Marriott online stores (including Marriott gift cards online). Marriott's own member and elite points for stays aren't card earnings.
+  - id: restaurants
+    match: { categories: [dining] }
+    rate: 3
+    note: Restaurants worldwide. Not nightclubs, convenience stores, grocery stores or supermarkets; a restaurant inside a hotel, casino or event venue may code as that place instead.
+  - id: flights
+    match: { categories: [travel.flights] }
+    rate: 3
+    note: Scheduled flights charged directly with the airline. Charter and private jet flights are excluded.
+milestones:
+  - id: earned-choice-60k
+    spend: 60000
+    period: calendar_year
+    rewards:
+      - 'Brilliant Earned Choice Award: pick five Nightly Upgrade Awards, a Free Night Award (up to 85,000 points) or 50,000 Bonvoy points'
+    note: One a calendar year, picked at choice-benefit.marriott.com/brilliant by February 1 of the next year, or it defaults to the Nightly Upgrade Awards. Basic Card Member only.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: 'You will receive 2 Marriott Bonvoy® points for each U.S. dollar of eligible purchases charged'
+  - rule: base_rate
+    url: https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-brilliant/
+    quote: 'Spent on other eligible purchases.'
+  - rule: marriott-hotels
+    url: https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-brilliant/
+    quote: '6X points at hotels participating in Marriott Bonvoy®'
+  - rule: marriott-hotels
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: 'when charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: '1 additional point (for a total of 3 points) for each dollar charged at restaurants worldwide'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: 'You will NOT earn 1 additional point for purchases at nightclubs, convenience stores, grocery stores or supermarkets.'
+  - rule: flights
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: 'for airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded)'
+  - rule: flights
+    url: https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-brilliant/
+    quote: '3X points at restaurants worldwide & on flights booked directly with airlines'
+  - rule: earned-choice-60k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: 'your total eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card reach or exceed $60,000'
+  - rule: earned-choice-60k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: 'Free Night Award with a redemption value up to 85K points• One-time deposit of 50K Marriott Bonvoy points'
+  - rule: earned-choice-60k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: 'only one Brilliant Earned Choice Award may be earned each calendar year per Card Account'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-brilliant/
+    quote: 'Annual Fee: $650'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: 'Annual Fee $650 Transaction Fees'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-brilliant/
+    quote: 'Earn 100,000 Marriott Bonvoy® Bonus Points'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: 'eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card within your first 6 months of Card Membership'
+todo:
+  - The Brilliant Earned Choice Award can be 50,000 points, but it's a pick among non-point awards too, so the milestone carries no points value.
+  - The $300 Brilliant Dining Credit (up to $25 a month at restaurants worldwide), the $100 property credit on two-night Ritz-Carlton or St. Regis stays, and the yearly Free Night Award (up to 85,000 points) after each renewal month aren't modeled.
+  - Complimentary Platinum Elite status and 25 Elite Night Credits each year aren't modeled; they don't depend on spending.

package/data/cards/amex-platinum.yaml

@@ -46,6 +46,14 @@ rules:
     match: { merchants: [amex-travel-cruises] }
     rate: 2
     note: Cruises booked and charged through AmexTravel.com or by phone with Amex Travel. Payments made directly to the cruise line don't count.
+milestones:
+  - id: spend-75k
+    spend: 75000
+    period: calendar_year
+    rewards:
+      - Centurion Lounge guest access for 2 guests
+      - unlimited Delta Sky Club access
+    note: 'Purchases by additional card members count. Both last the rest of that calendar year, all of the next and through the January 31 after. Sky Club visits still need a same-day Delta flight.'
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
@@ -90,3 +98,9 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
     quote: 'Foreign Transaction None Penalty Fees'
+  - rule: spend-75k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'after spending $75,000 or more on eligible purchases on the Platinum Account in a calendar year'
+  - rule: spend-75k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'the total eligible purchases on the Eligible Platinum Card Account must equal or exceed $75,000'

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

@@ -42,6 +42,13 @@ rules:
     rate: 1.1
     requires: { membership: bank-of-america-account }
     note: The 1x base rate plus the 10% rewards bonus for holding an eligible Bank of America account.
+milestones:
+  - id: spend-6k
+    spend: 6000
+    period: cardmember_year
+    rewards:
+      - a $99 Companion Fare
+    note: 'Spending by the account anniversary counts; the code arrives within 2 billing cycles after it. $99 plus taxes and fees from $23, for a companion on a Saver or Main Cabin fare within North America on Alaska or Hawaiian. Use it within 12 months.'
 evidence:
   - rule: base_rate
     url: https://www.bankofamerica.com/credit-cards/products/alaska-airlines-credit-card/
@@ -82,6 +89,12 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4081060&productoffercode=RS&locale=en_US
     quote: 'Foreign Transaction None Penalty Fee'
+  - rule: spend-6k
+    url: https://www.bankofamerica.com/credit-cards/products/alaska-airlines-credit-card/
+    quote: 'each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year'
+  - rule: spend-6k
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4081060&productoffercode=RS&locale=en_US
+    quote: 'each anniversary after spending $6,000 or more on Net Purchases'
 todo:
   - 20% back on Alaska and Hawaiian inflight purchases is a rebate, not points, and isn't modeled.
   - "BofA's rewards page lists Atmos Rewards cards as not eligible for the BofA Rewards tier bonus (in a popup the source check can't read), so the 10% account bonus stands alone."

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

@@ -43,6 +43,13 @@ rules:
     rate: 1.1
     requires: { membership: bank-of-america-small-business-account }
     note: The 1x base rate plus the 10% rewards bonus when the company has an eligible Bank of America small business account.
+milestones:
+  - id: spend-6k
+    spend: 6000
+    period: cardmember_year
+    rewards:
+      - a $99 Companion Fare
+    note: 'Spending by the account anniversary counts; the code arrives within 2 billing cycles after it. $99 plus taxes and fees from $23, for a companion on a Saver or Main Cabin fare within North America on Alaska or Hawaiian. Use it within 12 months.'
 evidence:
   - rule: base_rate
     url: https://www.bankofamerica.com/smallbusiness/credit-cards/products/alaska-airlines-business-credit-card/
@@ -86,6 +93,12 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.bankofamerica.com/smallbusiness/credit-cards/terms-and-conditions/?campaignid=4080500&productoffercode=CX&locale=en_US
     quote: 'International Transaction None Penalty Fee'
+  - rule: spend-6k
+    url: https://www.bankofamerica.com/smallbusiness/credit-cards/products/alaska-airlines-business-credit-card/
+    quote: 'every year that you spend at least $6,000 on purchases with your card'
+  - rule: spend-6k
+    url: https://www.bankofamerica.com/smallbusiness/credit-cards/terms-and-conditions/?campaignid=4080500&productoffercode=CX&locale=en_US
+    quote: 'after $6,000 or more in Net Purchases post to the account billing statement during the card anniversary year'
 todo:
   - 'annual_fee is the $70 per-company fee. Each card also costs $25 a year, which the schema has no field for.'
   - "BofA's rewards page lists Atmos Rewards cards as not eligible for the BofA Rewards tier bonus (in a popup the source check can't read), so the 10% account bonus stands alone."

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

@@ -50,6 +50,13 @@ rules:
     rate: 1.1
     requires: { membership: bank-of-america-account }
     note: The 1x base rate plus the 10% rewards bonus for holding an eligible Bank of America account.
+milestones:
+  - id: spend-60k
+    spend: 60000
+    period: cardmember_year
+    rewards:
+      - a 100,000-point Global Companion Award
+    note: "Up to 100,000 points off a companion's award ticket when you book with points; it credits within 1-2 billing cycles and must be used within 12 months. Separate from the 25,000-point award every anniversary."
 evidence:
   - rule: base_rate
     url: https://www.bankofamerica.com/credit-cards/products/alaska-airlines-infinite-credit-card/
@@ -96,5 +103,14 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4081112&productoffercode=S2&locale=en_US
     quote: 'Foreign Transaction None Penalty Fee'
+  - rule: spend-60k
+    url: https://www.bankofamerica.com/credit-cards/products/alaska-airlines-infinite-credit-card/
+    quote: 'receive a 100,000-point Global Companion Award annually after spending $60,000 or more on purchases that year'
+  - rule: spend-60k
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4081112&productoffercode=S2&locale=en_US
+    quote: 'Annual Global 100K Companion Award worth up to 100,000 points after you spend $60,000 or more'
+  - rule: spend-60k
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4081112&productoffercode=S2&locale=en_US
+    quote: 'during your Card anniversary year (every 12 months from the open date anniversary)'
 todo:
   - "BofA's rewards page lists Atmos Rewards cards as not eligible for the BofA Rewards tier bonus (in a popup the source check can't read), so the 10% account bonus stands alone."