earnrate 0.2.10 → 0.2.11

package/data/cards/capital-one-quicksilver.yaml

@@ -0,0 +1,80 @@
+id: capital-one-quicksilver
+name: Capital One Quicksilver Cash Rewards Credit Card
+issuer: capital-one
+# The card page never names the network in visible text; its embedded
+# product data says MasterCard.
+network: mastercard
+currency: cash
+last_verified: 2026-11-03
+verified_by: claude
+source_urls:
+  - https://www.capitalone.com/credit-cards/quicksilver/
+  # The card page's "Important disclosures" (pricing and rewards FAQ, also
+  # where "Rewards terms" leads); the number is the page's offer id and
+  # changes when Capital One changes it.
+  - https://disclosures.capitalone.com/disclosure.42159.en-US.html
+base_rate: 1.5
+annual_fee: 0
+foreign_transaction_fee: 0
+welcome_offer:
+  dollars: 200
+  spend: 500
+  months: 3
+  note: One-time cash bonus, available by applying through the card page. Existing or previous cardmembers are not eligible if they received a new cardmember bonus for this product in the past 48 months.
+rules:
+  - id: capital-one-travel-hotels-vacation-rentals-car-rentals
+    match:
+      {
+        merchants:
+          [
+            capital-one-travel-hotels,
+            capital-one-travel-vacation-rentals,
+            capital-one-travel-car-rentals,
+          ],
+      }
+    rate: 5
+    note: Only when booked through Capital One Travel. Flights booked there, and hotel incidentals or upgrades paid outside Capital One Travel, earn the base 1.5%.
+  - id: capital-one-entertainment
+    match: { merchants: [capital-one-entertainment] }
+    rate: 5
+    note: Tickets bought on the Capital One Entertainment ticketing platform only. Cardholder-exclusive pre-sales and tickets bought directly from Capital One Hall or Capital One Arena are excluded.
+todo:
+  - Network isn't shown in the card page's visible text. Set to mastercard from the page's embedded product data (cardNetwork MasterCard); confirm against a current card or the Rates & Fees disclosure.
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://www.capitalone.com/credit-cards/quicksilver/
+    quote: 'Earn unlimited 1.5% cash back on every purchase, every day.'
+  - rule: base_rate
+    url: https://disclosures.capitalone.com/disclosure.42159.en-US.html
+    quote: 'and 1.5% cash back on all other purchases'
+  - rule: capital-one-travel-hotels-vacation-rentals-car-rentals
+    url: https://www.capitalone.com/credit-cards/quicksilver/
+    quote: 'Earn unlimited 5% cash back on hotels, vacation rentals and rental car bookings.'
+  - rule: capital-one-travel-hotels-vacation-rentals-car-rentals
+    url: https://disclosures.capitalone.com/disclosure.42159.en-US.html
+    quote: 'You will earn 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel'
+  - rule: capital-one-travel-hotels-vacation-rentals-car-rentals
+    url: https://disclosures.capitalone.com/disclosure.42159.en-US.html
+    quote: 'will not earn the enhanced earn rate, but will receive the standard 1.5% cash back earn rate'
+  - rule: capital-one-entertainment
+    url: https://www.capitalone.com/credit-cards/quicksilver/
+    quote: 'Eligible Quicksilver cardholders will earn 5% cash back on Capital One Entertainment purchases.'
+  - rule: capital-one-entertainment
+    url: https://disclosures.capitalone.com/disclosure.42159.en-US.html
+    quote: 'Tickets purchased through the Capital One cardholder exclusive pre-sales'
+  - rule: annual_fee
+    url: https://www.capitalone.com/credit-cards/quicksilver/
+    quote: 'Earn unlimited cash back with no annual, hidden or foreign transaction fees.'
+  - rule: annual_fee
+    url: https://disclosures.capitalone.com/disclosure.42159.en-US.html
+    quote: 'Annual Fee None.'
+  - rule: foreign_transaction_fee
+    url: https://www.capitalone.com/credit-cards/quicksilver/
+    quote: 'You won’t pay transaction fees when making purchases outside of the United States.'
+  - rule: welcome_offer
+    url: https://www.capitalone.com/credit-cards/quicksilver/
+    quote: 'Earn a one-time $200 cash bonus once you spend $500 on purchases within 3 months'
+  - rule: welcome_offer
+    url: https://disclosures.capitalone.com/disclosure.42159.en-US.html
+    quote: 'You will earn a $200 bonus if you spend at least $500 within 3 months'

package/data/cards/chase-aeroplan.yaml

@@ -55,6 +55,25 @@ rules:
   - id: gas
     match: { categories: [gas] }
     rate: 2
+milestones:
+  - id: spend-25k
+    spend: 25000
+    period: calendar_year
+    rewards:
+      - 10,000 Status Qualifying Credits
+    note: 'For the primary cardmember. All Aeroplan cards together give at most 25,000 SQC a calendar year. Allow 6-8 weeks for them to post.'
+  - id: spend-50k
+    spend: 50000
+    period: calendar_year
+    rewards:
+      - 10,000 more Status Qualifying Credits
+    note: 'For the primary cardmember. All Aeroplan cards together give at most 25,000 SQC a calendar year. Allow 6-8 weeks for them to post.'
+  - id: spend-75k
+    spend: 75000
+    period: calendar_year
+    rewards:
+      - Aeroplan 35K Status
+    note: 'For the primary cardmember, for the rest of that calendar year and all of the next.'
 todo:
   - 'Through December 31, 2026, the cardmember page creditcards.chase.com/aircanada lists 500 bonus points for each $2,000 spent per calendar month, up to 1,500 a month (+0.25x on the first $6,000). It is not on the product page, and the engine picks one rule rather than stacking, so it is not modeled.'
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
@@ -116,3 +135,12 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65070.html
     quote: 'Foreign Transactions None Penalty Fees'
+  - rule: spend-25k
+    url: https://creditcards.chase.com/travel-credit-cards/aircanada/aeroplan
+    quote: 'will receive 10,000 Status Qualifying Credits (SQC) once you spend $25,000 in purchases'
+  - rule: spend-50k
+    url: https://creditcards.chase.com/travel-credit-cards/aircanada/aeroplan
+    quote: 'an additional 10,000 SQC once you spend $50,000 in purchases'
+  - rule: spend-75k
+    url: https://creditcards.chase.com/travel-credit-cards/aircanada/aeroplan
+    quote: 'Each calendar year you spend at least $75,000 in purchases on your Chase Air Canada Aeroplan Card account'

package/data/cards/chase-marriott-bonvoy-bold.yaml

@@ -0,0 +1,123 @@
+id: chase-marriott-bonvoy-bold
+name: Marriott Bonvoy Bold Credit Card
+issuer: chase
+network: visa
+currency: marriott-bonvoy
+last_verified: 2026-11-03
+verified_by: claude
+source_urls:
+  - https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold
+  - https://www.chase.com/personal/credit-cards/rewards-category-faq
+  - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65105.html
+base_rate: 1
+annual_fee: 0
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 45000
+  spend: 1000
+  months: 3
+  not_with: [chase-marriott-bonvoy-boundless]
+  note: 'No end date given. Chase: "This credit card is not available to you if (1) you currently have any of the following cards or (2) you received a new cardmember bonus for any of the following cards within the last 24 months" (Marriott Bonvoy Premier, Rewards Premier, Boundless, Rewards Premier Plus, Bold). The bonus also isn''t available to holders of the Marriott Bonvoy American Express Card in the last 30 days, or anyone approved for the Marriott Bonvoy Business, Brilliant or Bevy American Express cards in the last 90 days or paid their bonus in the last 24 months.'
+rules:
+  - id: marriott-hotels
+    match: { merchants: [marriott] }
+    rate: 3
+    note: Card points only, at hotels participating in Marriott Bonvoy. Chase advertises "up to 14X total", which adds up to 10X base points and 1X Silver Elite bonus that Marriott posts for stays; those aren't card earnings.
+  - id: grocery
+    match: { categories: [grocery.supermarket] }
+    rate: 2
+    note: Chase's grocery stores exclude warehouse clubs, discount stores, drugstores and gas at grocery-store stations; delivery services count only if they code as a grocery store.
+  - id: internet-cable-phone
+    match: { categories: [tv_internet, phone] }
+    rate: 2
+  - id: streaming
+    match:
+      {
+        merchants:
+          [
+            apple-music,
+            apple-tv,
+            disney-plus,
+            espn,
+            fubotv,
+            max,
+            hulu,
+            netflix,
+            pandora,
+            paramount-plus,
+            peacock,
+            showtime,
+            siriusxm,
+            sling-tv,
+            spotify,
+            youtube-premium,
+            youtube-tv,
+            fandango-at-home,
+          ],
+      }
+    rate: 2
+    note: Only the services on Chase's select streaming list, like Netflix, Hulu, Disney+ and Spotify.
+  - id: rideshare
+    match: { categories: [transit.rideshare] }
+    rate: 2
+    note: Taxis, limousines and rideshare. Not car rentals, car sharing or carpools.
+  - id: food-delivery
+    match:
+      {
+        merchants:
+          [doordash, caviar, uber-eats, postmates, grubhub, delivery-com],
+      }
+    rate: 2
+    note: Only orders placed directly through DoorDash, Caviar, Uber Eats, Postmates, Grubhub, Seamless or Delivery.com, on the website or app.
+evidence:
+  - rule: base_rate
+    url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold
+    quote: "You'll earn 1 point for each $1 spent on all other purchases."
+  - rule: marriott-hotels
+    url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold
+    quote: "You'll earn 3 points for each $1 spent on qualifying purchases made at hotels participating in Marriott Bonvoy"
+  - rule: marriott-hotels
+    url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold
+    quote: 'You will only receive the accelerated earn of 3 points for each $1 spent from the credit card program.'
+  - rule: grocery
+    url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold
+    quote: 'Earn 2X points for every $1 spent on purchases at grocery stores.'
+  - rule: grocery
+    url: https://www.chase.com/personal/credit-cards/rewards-category-faq
+    quote: 'Delivery service merchants will be included if they classify as a grocery store merchant.'
+  - rule: internet-cable-phone
+    url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold
+    quote: 'Earn 2X points for every $1 spent on select streaming, and internet, cable, and phone services.'
+  - rule: streaming
+    url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold
+    quote: 'Earn 2X points for every $1 spent on select streaming, and internet, cable, and phone services.'
+  - rule: streaming
+    url: https://www.chase.com/personal/credit-cards/rewards-category-faq
+    quote: 'Only subscriptions paid for, or purchases made with the following select merchants will qualify for this category'
+  - rule: rideshare
+    url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold
+    quote: 'the following rideshare rewards category: taxicabs and limousines'
+  - rule: rideshare
+    url: https://www.chase.com/personal/credit-cards/rewards-category-faq
+    quote: 'Merchants in this category include operators of taxi, limousine, and rideshare services.'
+  - rule: food-delivery
+    url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold
+    quote: 'Earn 2X points for every $1 spent on rideshare and select food delivery.'
+  - rule: food-delivery
+    url: https://www.chase.com/personal/credit-cards/rewards-category-faq
+    quote: 'Only purchases made with the following select food delivery merchants will qualify for this category'
+  - rule: annual_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65105.html
+    quote: 'Annual Membership Fee None'
+  - rule: foreign_transaction_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65105.html
+    quote: 'Foreign Transactions None Penalty Fees'
+  - rule: welcome_offer
+    url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold
+    quote: 'Earn 45,000 Bonus Points after spending $1,000 on eligible purchases within 3 months of account opening'
+  - rule: not_with
+    url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold
+    quote: 'This credit card is not available to you if (1) you currently have any of the following cards'
+todo:
+  - Automatic Silver Elite status and 5 Elite Night Credits each calendar year aren't modeled; they don't depend on spending.
+  - 'Pay Yourself Back redeems Bonvoy points at "$100 for every 12,500 points" (0.8 cents) against airline tickets bought directly and Marriott hotel purchases on this card, up to $750 of redemptions a year. earnrate values the currency, not a per-card redemption, so this isn''t modeled.'

package/data/cards/chase-marriott-bonvoy-boundless.yaml

@@ -0,0 +1,76 @@
+id: chase-marriott-bonvoy-boundless
+name: Marriott Bonvoy Boundless Credit Card
+issuer: chase
+network: visa
+currency: marriott-bonvoy
+last_verified: 2026-11-03
+verified_by: claude
+source_urls:
+  - https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless
+  - https://www.chase.com/personal/credit-cards/rewards-category-faq
+  - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65195.html
+base_rate: 2
+annual_fee: 95
+foreign_transaction_fee: 0
+rules:
+  - id: marriott-hotels
+    match: { merchants: [marriott] }
+    rate: 6
+    note: Card points only, at hotels participating in Marriott Bonvoy. Chase advertises "up to 17X total", which adds up to 10X base points and 1X Silver Elite bonus that Marriott posts for stays; those aren't card earnings.
+  - id: dining-grocery-gas
+    match: { categories: [dining, grocery.supermarket, gas] }
+    rate: 3
+    cap: { amount: 6000, period: calendar_year, then_rate: 2 }
+    note: On the first $6,000 of combined purchases a year. Chase's year runs from account opening (then each later year) through the December statement date, close to a calendar year. Dining includes takeout and eligible delivery services. Chase's grocery stores exclude warehouse clubs, discount stores, drugstores and gas at grocery-store stations; delivery services count only if they code as a grocery store.
+milestones:
+  - id: spend-35k
+    spend: 35000
+    period: calendar_year
+    rewards:
+      - Gold Elite status
+    note: January 1 through December 31; purchases that post in the next year count toward that year. Chase says to allow up to 8 weeks for status to post. One Boundless account per Marriott Bonvoy member qualifies.
+evidence:
+  - rule: base_rate
+    url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless
+    quote: "You'll earn 2 points for each $1 spent on all other purchases."
+  - rule: marriott-hotels
+    url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless
+    quote: "You'll earn 6 points for each $1 spent on qualifying purchases made at hotels participating in Marriott Bonvoy"
+  - rule: marriott-hotels
+    url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless
+    quote: 'You will only receive the accelerated earn of 6 points for each $1 spent from the credit card program.'
+  - rule: dining-grocery-gas
+    url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless
+    quote: 'first $6,000 spent annually on combined purchases in the following rewards categories: gas stations'
+  - rule: dining-grocery-gas
+    url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless
+    quote: 'dining at restaurants including takeout and eligible delivery services'
+  - rule: dining-grocery-gas
+    url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless
+    quote: 'After $6,000 is spent on combined purchases in these categories annually, you go back to earning 2 points'
+  - rule: dining-grocery-gas
+    url: https://www.chase.com/personal/credit-cards/rewards-category-faq
+    quote: 'Delivery service merchants will be included if they classify as a grocery store merchant.'
+  - rule: dining-grocery-gas
+    url: https://www.chase.com/personal/credit-cards/rewards-category-faq
+    quote: 'Delivery and takeout services will be included if they classify as a restaurant merchant'
+  - rule: spend-35k
+    url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless
+    quote: 'Path to Gold Status when you spend $35,000 on purchases each calendar year.'
+  - rule: spend-35k
+    url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless
+    quote: 'to spend $35,000 to earn Gold Elite Status will run from January 1 through December 31'
+  - rule: annual_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65195.html
+    quote: 'Annual Membership Fee $95'
+  - rule: annual_fee
+    url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless
+    quote: 'ANNUAL FEE $95'
+  - rule: foreign_transaction_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65195.html
+    quote: 'Foreign Transactions None Penalty Fees'
+todo:
+  - 'The welcome offer is 3 Free Night Awards (each up to 50,000 points a night) after $3,000 in purchases in the first 3 months, not points, so the schema can''t hold it. Chase: "This credit card is not available to you if (1) you currently have any of the following cards or (2) you received a new cardmember bonus for any of the following cards within the last 24 months" (Marriott Bonvoy Premier, Rewards Premier, Boundless, Rewards Premier Plus, Bold); the bonus also isn''t available to holders of the Marriott Bonvoy American Express Card in the last 30 days, or anyone approved for Brilliant or Bevy in the last 90 days or paid their bonus in the last 24 months.'
+  - 1 Elite Night Credit for every $5,000 in purchases, with no limit, isn't modeled (milestones are once a period).
+  - The yearly Free Night Award (up to 35,000 points) after each account anniversary, automatic Silver Elite status and 15 Elite Night Credits each calendar year aren't modeled; they don't depend on spending.
+  - "The airline statement credit isn't modeled: $50 after $250 on purchases directly with airlines June 4 to Dec 31, 2026, and another $50 after $250 Jan 1 to June 30, 2027."

package/data/cards/chase-sapphire-reserve.yaml

@@ -46,6 +46,17 @@ rules:
     valid_from: 2025-04-01
     valid_to: 2027-12-31
     note: Peloton equipment and accessory purchases over $150 bought directly from Peloton, on up to $5,000 in total purchases over the whole offer. Not memberships, apparel or gift cards.
+milestones:
+  - id: spend-75k
+    spend: 75000
+    period: calendar_year
+    rewards:
+      - IHG One Rewards Diamond Elite status
+      - Southwest A-List status
+      - World of Hyatt Explorist status
+      - up to $500 in Southwest credits on Chase Travel
+      - up to $250 in credits at The Shops at Chase
+    note: 'For the primary cardmember. Each lasts the rest of that calendar year and all of the next (Explorist through the following February). A-List needs your Rapid Rewards number linked on Chase.com.'
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
@@ -96,5 +107,23 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC64842.html
     quote: 'Foreign Transactions None Penalty Fees'
+  - rule: spend-75k
+    url: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
+    quote: 'Spend $75,000 each calendar year and unlock status and credits with leading travel and shopping brands.'
+  - rule: spend-75k
+    url: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
+    quote: '$75,000 Spend Benefit – IHG One Rewards Diamond Elite Status'
+  - rule: spend-75k
+    url: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
+    quote: '$75,000 Spend Benefit – Southwest Airlines Rapid Rewards A-List Status'
+  - rule: spend-75k
+    url: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
+    quote: '$75,000 Spend Benefit – World of Hyatt Explorist Status'
+  - rule: spend-75k
+    url: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
+    quote: '$75,000 Spend Benefit – $500 Southwest Airlines Chase Travel Credit'
+  - rule: spend-75k
+    url: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
+    quote: '$75,000 Spend Benefit – $250 Credit for The Shops at Chase'
 todo:
   - "peloton: the $5,000 limit runs across the whole offer (4/1/2025 to 12/31/2027), which no cap period can express, and the $150 minimum per purchase isn't modeled."

package/data/cards/chase-united-business.yaml

@@ -39,6 +39,13 @@ rules:
     match: { categories: [transit] }
     rate: 2
     note: Local transit and commuting, including rideshare, taxis, trains, buses, ferries, tolls and parking. Not airlines, car rentals, bike or scooter rentals or car sharing.
+milestones:
+  - id: spend-25k
+    spend: 25000
+    period: calendar_year
+    rewards:
+      - 2 continental U.S. Economy Plus seat upgrades
+    note: 'For the primary cardmember, on tickets bought with the card. Chase says to allow 6-8 weeks for them to post; use them within 12 months.'
 todo:
   - United Card Events from Chase also earn 2x; no merchant exists for them, so they aren't modeled.
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
@@ -88,3 +95,6 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65426.html
     quote: 'Foreign Transactions None Penalty Fees'
+  - rule: spend-25k
+    url: https://creditcards.chase.com/business-credit-cards/united/united-business-card
+    quote: 'Earn 2 continental U.S. Economy Plus® seat upgrades after spending $25,000 each calendar year.'

package/data/cards/chase-united-club-business.yaml

@@ -26,6 +26,19 @@ rules:
     match: { merchants: [renowned-hotels-chase-travel] }
     rate: 5
     note: Prepaid hotel stays booked through Renowned Hotels and Resorts for United Cardmembers on Chase Travel. Bookings through FROSCH and its family of travel companies don't earn 5x.
+milestones:
+  - id: spend-40k
+    spend: 40000
+    period: calendar_year
+    rewards:
+      - 2 global Economy Plus seat upgrades
+    note: 'For the primary cardmember, on tickets bought with the card. Chase says to allow 6-8 weeks for them to post; use them within 12 months.'
+  - id: spend-50k
+    spend: 50000
+    period: calendar_year
+    rewards:
+      - United Club All Access membership
+    note: 'Premier Gold status unlocks it too. It lasts the rest of that calendar year and all of the next.'
 todo:
   - United Card Events from Chase also earn 2x; no merchant exists for them, so they aren't modeled.
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
@@ -57,3 +70,9 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65424.html
     quote: 'Foreign Transactions None Penalty Fees'
+  - rule: spend-40k
+    url: https://creditcards.chase.com/business-credit-cards/united/united-club-business
+    quote: 'Earn 2 global Economy Plus® seat upgrades after spending $40,000 each calendar year.'
+  - rule: spend-50k
+    url: https://creditcards.chase.com/business-credit-cards/united/united-club-business
+    quote: 'Receive United Club All Access Membership after spending $50,000 in a calendar year'

package/data/cards/chase-united-club.yaml

@@ -38,6 +38,25 @@ rules:
     match: { categories: [dining] }
     rate: 2
     note: Includes takeout and eligible delivery services.
+milestones:
+  - id: spend-20k
+    spend: 20000
+    period: calendar_year
+    rewards:
+      - a 10,000-mile award flight discount
+    note: "Up to two a calendar year. It posts to MileagePlus within 6-8 weeks and expires 12 months after it's issued."
+  - id: spend-40k
+    spend: 40000
+    period: calendar_year
+    rewards:
+      - a second 10,000-mile award flight discount
+    note: "The most a calendar year: two discounts, on up to $40,000 of purchases. It posts to MileagePlus within 6-8 weeks and expires 12 months after it's issued."
+  - id: spend-50k
+    spend: 50000
+    period: calendar_year
+    rewards:
+      - United Club All Access membership
+    note: 'Premier Gold status unlocks it too. It lasts the rest of that calendar year and all of the next.'
 todo:
   - United Card Events from Chase also earn 5x; no merchant exists for them, so they aren't modeled.
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
@@ -90,3 +109,15 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC62957.html
     quote: 'Foreign Transactions None Penalty Fees'
+  - rule: spend-20k
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-club
+    quote: 'Earn a 10,000-mile award flight discount after $20,000 in purchases'
+  - rule: spend-40k
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-club
+    quote: 'up to two times each calendar year'
+  - rule: spend-40k
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-club
+    quote: 'on up to a maximum of $40,000 in net purchases per calendar year'
+  - rule: spend-50k
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-club
+    quote: 'Receive United Club All Access Membership after spending $50,000 in a calendar year'

package/data/cards/chase-united-explorer.yaml

@@ -31,6 +31,19 @@ rules:
     match: { categories: [travel.hotels] }
     rate: 2
     note: Only hotel stays booked directly with the hotel. Not travel agencies, discount travel sites, vacation clubs, tour operators or packages; on-site purchases count only if they code as the hotel.
+milestones:
+  - id: spend-10k
+    spend: 10000
+    period: calendar_year
+    rewards:
+      - '$100 United TravelBank cash'
+    note: 'One a calendar year. It posts to MileagePlus within 6-8 weeks, and the booking must be made within 12 months of issue.'
+  - id: spend-20k
+    spend: 20000
+    period: calendar_year
+    rewards:
+      - a 10,000-mile award flight discount
+    note: "One a calendar year. It posts to MileagePlus within 6-8 weeks and expires 12 months after it's issued."
 todo:
   - United Card Events from Chase also earn 3x; no merchant exists for them, so they aren't modeled.
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
@@ -74,3 +87,9 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC63218.html
     quote: 'Foreign Transactions None Penalty Fees'
+  - rule: spend-10k
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-explorer
+    quote: 'Earn $100 in United® TravelBank cash after you spend $10,000 on purchases each calendar year'
+  - rule: spend-20k
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-explorer
+    quote: 'Earn a 10,000-mile award flight discount after spending $20,000 each calendar year'

package/data/cards/chase-united-gateway.yaml

@@ -30,6 +30,15 @@ rules:
     match: { categories: [transit] }
     rate: 2
     note: Local transit and commuting, including rideshare, taxis, trains, buses, ferries, tolls and parking. Not airlines, car rentals, bike or scooter rentals or car sharing.
+milestones:
+  - id: spend-10k
+    spend: 10000
+    period: calendar_year
+    rewards:
+      - 2 first checked bag certificates
+      - 10% or more off award flights
+      - 6x MileagePlus miles from United on United fares
+    note: "The award discount lasts the rest of that calendar year and all of the next. The 6x miles come from United's MileagePlus program, not the card, so they don't change what the card earns."
 todo:
   - United Card Events from Chase also earn 2x; no merchant exists for them, so they aren't modeled.
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
@@ -67,3 +76,12 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65777.html
     quote: 'Foreign Transactions None Penalty Fees'
+  - rule: spend-10k
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-gateway
+    quote: 'Earn 2 first standard checked bags after you spend $10,000 in a calendar year.'
+  - rule: spend-10k
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-gateway
+    quote: 'Save 10% or more on flights booked with miles after spending $10,000 in a calendar year.'
+  - rule: spend-10k
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-gateway
+    quote: "you'll earn 6x miles on fare from United as a MileagePlus member after spending $10,000"

package/data/cards/chase-united-quest.yaml

@@ -65,6 +65,19 @@ rules:
       }
     rate: 2
     note: Only the services on Chase's select streaming list, like Netflix, Hulu, Disney+ and Spotify.
+milestones:
+  - id: spend-20k
+    spend: 20000
+    period: calendar_year
+    rewards:
+      - a 10,000-mile award flight discount
+    note: "One a calendar year. It posts to MileagePlus within 6-8 weeks and expires 12 months after it's issued. Separate from the 10,000-mile discount every cardmember anniversary."
+  - id: spend-40k
+    spend: 40000
+    period: calendar_year
+    rewards:
+      - 2 global Economy Plus seat upgrades
+    note: 'For the primary cardmember, on tickets bought with the card. Chase says to allow 6-8 weeks for them to post; use them within 12 months.'
 todo:
   - United Card Events from Chase also earn 4x; no merchant exists for them, so they aren't modeled.
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
@@ -120,3 +133,9 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65756.html
     quote: 'Foreign Transactions None Penalty Fees'
+  - rule: spend-20k
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-quest
+    quote: 'Earn a 10,000-mile award flight discount after spending $20,000 each calendar year'
+  - rule: spend-40k
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-quest
+    quote: 'Earn 2 global Economy Plus® seat upgrades after spending $40,000 each calendar year.'

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

@@ -37,8 +37,16 @@ rules:
     match: { categories: [phone, tv_internet] }
     rate: 2
     note: Telecom merchants (phone service and equipment such as cell phones) and cable and satellite TV, internet, phone and radio providers.
-# Not modeled: free checked bag, companion certificate after $30,000 spend. Loyalty Points toward status aren't card earnings.
+milestones:
+  - id: spend-30k
+    spend: 30000
+    period: cardmember_year
+    rewards:
+      - an American Airlines Companion Certificate
+    note: "Citi's cardmembership year runs from the billing cycle after the anniversary month, so it can be a few weeks off the anniversary date. Issued after the card renews: the companion pays $99 plus taxes and fees on a domestic Main Cabin round trip."
+# Not modeled: free checked bag. Loyalty Points toward status aren't card earnings.
 todo:
+  - Citi counts the $30,000 milestone over a cardmembership year that starts with the billing cycle after the anniversary month; `cardmember_year` uses the anniversary date, so progress can be a few weeks off.
   - Warehouse-club gas earns 2x if the club codes it as a gas station; earnrate's gas.superstore can't tell, so it's excluded. Moot at Costco, which takes only Visa.
 evidence:
   - rule: base_rate
@@ -86,3 +94,6 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card
     quote: 'Fee for Foreign Purchases — None'
+  - rule: spend-30k
+    url: https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card
+    quote: 'Earn an American Airlines Companion Certificate for qualifying domestic travel after you spend $30,000 in purchases each cardmembership year'

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

@@ -30,8 +30,16 @@ rules:
     exclude: { categories: [gas.superstore] }
     rate: 2
     note: Warehouse-club gas counts only when the club codes it as a gas station, so superstore and warehouse-club gas is excluded here to stay conservative. Discount, department and convenience stores don't count.
-# Not modeled: free first checked bag, preferred boarding, companion certificate. Loyalty Points toward status aren't card earnings.
+milestones:
+  - id: spend-20k
+    spend: 20000
+    period: cardmember_year
+    rewards:
+      - a $125 American Airlines Flight Discount
+    note: "Citi's cardmembership year runs from the billing cycle after the anniversary month, so it can be a few weeks off the anniversary date. The discount expires a year after it's issued."
+# Not modeled: free first checked bag, preferred boarding. Loyalty Points toward status aren't card earnings.
 todo:
+  - Citi counts the $20,000 milestone over a cardmembership year that starts with the billing cycle after the anniversary month; `cardmember_year` uses the anniversary date, so progress can be a few weeks off.
   - Warehouse-club gas earns 2x if the club codes it as a gas station; earnrate's gas.superstore can't tell, so it's excluded. Moot at Costco, which takes only Visa.
 evidence:
   - rule: base_rate
@@ -73,3 +81,6 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.citi.com/credit-cards/citi-aadvantage-platinum-elite-credit-card
     quote: 'there are no foreign transaction fees'
+  - rule: spend-20k
+    url: https://www.citi.com/credit-cards/citi-aadvantage-platinum-elite-credit-card
+    quote: 'Earn a $125 American Airlines Flight Discount certificate (the “Flight Discount”) after you spend $20,000 or more in purchases'