earnrate 0.2.10 → 0.2.12

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
 
@@ -118,6 +118,16 @@ While the bonus is open and you're behind an even pace to the deadline, that car
 
 `spend`, `by` and the reward (`points`, or `dollars` for cash back) default to the card's published offer once earnrate has one; set them when your offer was different.
 
+### First-year rates
+
+Some cards earn more for a stretch after the account opens: Discover it Cash Back's Cashback Match doubles every rate for the first 365 days, and BofA Customized Cash pays 6% in its choice category for the first year. earnrate uses them only for purchases inside that window, so it needs the opening date:
+
+```sh
+earnrate update discover-it-cash-back --opened 2026-03-04
+```
+
+In the wallet file that's `opened: 2026-03-04` on the card; a tracked welcome bonus's `opened` counts too. Without a date, earnrate never assumes the card is new: it ranks it at its standard rates and says when a first-year rate would change the answer. The to-do list says when a first-year rate ends this quarter.
+
 ### Paying abroad
 
 Many cards charge a foreign transaction fee, often 3%, on every purchase outside the U.S., which can wipe out what they earn. Give the country with `--country` (two letters, like `FR`) and earnrate ranks each card after its fee, says what a card with a fee nets, and points out cards that earn extra abroad:
@@ -179,17 +189,20 @@ 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:
+90 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
-- **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
-- **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
-- **Wells Fargo:** Active Cash, Autograph
-- **Bank of America:** Atmos Rewards Ascent, Summit, Business; Customized Cash Rewards
+- **American Express:** Gold, Platinum, Blue Cash Preferred, Blue Cash Everyday, Business Gold, Business Platinum, Blue Business Plus
+- **American Express airline and hotel:** Delta SkyMiles Blue, Gold, Platinum, Reserve; Hilton Honors, Surpass, Aspire, Business; Marriott Bonvoy Brilliant, Bevy, Business
+- **Chase:** Sapphire Preferred, Sapphire Reserve, Freedom Unlimited, Freedom Flex, Freedom Rise, Ink Business Cash, Ink Business Unlimited, 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; Marriott Bonvoy Boundless, Bold
+- **Citi:** Strata Elite, Strata Premier, Strata, 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, Quicksilver, Venture X Business, Spark Cash Plus, Kohl's Card, Kohl's Rewards Visa
+- **Wells Fargo:** Active Cash, Autograph, Autograph Journey
+- **Bank of America:** Customized Cash Rewards, Unlimited Cash Rewards, Travel Rewards, Premium Rewards; Atmos Rewards Ascent, Summit, Business
 - **TD Bank:** Target Circle Card, Nordstrom card, Nordstrom Visa
-- **Others:** U.S. Bank Cash+, Bilt Obsidian, SoFi Unlimited 2%
+- **U.S. Bank:** Cash+, Altitude Go, Altitude Connect
+- **Bilt:** Blue, Obsidian, Palladium
+- **Others:** Discover it Cash Back, SoFi Unlimited 2%, JetBlue Plus (Barclays), PayPal Cashback Mastercard and Sam's Club Mastercard (Synchrony)
 
 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 +233,13 @@ 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 +298,7 @@ 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 +2,160 @@
 
 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.
 
+## 2026.11.04.8
+
+Sam's Club Mastercard (`sams-club-mastercard`, Synchrony): 5% on gas and EV charging on the first $6,000 a year, then 1%; 3% on dining and takeout; 3% at Sam's Club for Plus members (1% for Club members); 1% on everything else. No annual fee and no foreign transaction fee; it needs a Sam's Club membership. New memberships: `sams-club` (Club, $60 a year) and `sams-club-plus`. Sources: [Synchrony's Sam's Club page](https://www.synchrony.com/partner/sams-club) and [Sam's Club membership prices](https://www.samsclub.com/join), read 2026-11-04 (synchrony.com refuses the source check's headless browser, so its quotes were read with a plain fetch and in Chrome).
+
+`amex-delta-skymiles-blue` now cites Amex's standard terms page (`/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0`); the address it had returns 404. Every quote is on the new page; no rates changed.
+
+## 2026.11.04.7
+
+Nine new cards, each from the issuer's own pages, with a `color` for earnrate's drawing: Delta SkyMiles Blue, Hilton Honors Business and Marriott Bonvoy Business (Amex); Venture X Business and Spark Cash Plus (Capital One); Bilt Blue and Bilt Palladium (Bilt, issued by Column); JetBlue Plus (Barclays, a new issuer); and the PayPal Cashback Mastercard (Synchrony, a new issuer). New currency: JetBlue TrueBlue points (1.0¢, a conservative default since JetBlue publishes no cash value, up to TPG's 1.35¢). New merchants: Capital One Business Travel and its hotel, vacation rental, car rental and flight bookings, JetBlue Vacations and TrueBlue Travel. Not added: Citi Rewards+ (its page now redirects to Citi Strata and no readable Citi page states its terms), AAdvantage Aviator Red (Barclays no longer lists it; its page returns 404), Sam's Club Mastercard (samsclub.com's card page doesn't render for the source checker, and no readable page states the membership or foreign transaction fees) and the Robinhood Gold Card (waitlist only, its rewards rules are a PDF, and Robinhood states only a monthly price for the Gold membership the card requires).
+
+| Card                           | Main rates                                                                                                                                      | Fees                                                                      | Sources                                                                                                                                                                                                                                                                                                                                       |
+| ------------------------------ | ----------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
+| amex-delta-skymiles-blue       | 2x at restaurants and on Delta purchases; 1x else                                                                                               | $0 annual fee; no foreign transaction fee                                 | [1](https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-blue-american-express-card/) · [2](https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms) · [3](https://www.americanexpress.com/us/content/rewards-info/retail.html) |
+| amex-hilton-honors-business    | 12x at Hilton; 5x on everything else (first $100,000 a year), then 3x                                                                           | $195 annual fee; no foreign transaction fee                               | [1](https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/hilton-honors/) · [2](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms)                                                                          |
+| amex-marriott-bonvoy-business  | 6x at Marriott; 4x at restaurants worldwide, U.S. gas, U.S. wireless and U.S. shipping; 2x else                                                 | $125 annual fee; no foreign transaction fee                               | [1](https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/) · [2](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms)                                                   |
+| capital-one-venture-x-business | 10x on hotels and rental cars and 5x on flights and vacation rentals through Capital One Business Travel; 5x Capital One Entertainment; 2x else | $395 annual fee; no foreign transaction fee                               | [1](https://www.capitalone.com/small-business/credit-cards/venture-x-business/) · [2](https://disclosures.capitalone.com/disclosure.42243.en-US.html)                                                                                                                                                                                         |
+| capital-one-spark-cash-plus    | 5% on hotels, vacation rentals and rental cars through Capital One Business Travel; 2% else                                                     | $150 annual fee (refunded at $150,000 a year); no foreign transaction fee | [1](https://www.capitalone.com/small-business/credit-cards/spark-cash-plus/) · [2](https://disclosures.capitalone.com/disclosure.41737.en-US.html)                                                                                                                                                                                            |
+| bilt-blue                      | 3x on Bilt Travel hotels; 3x on Lyft once linked; 2x on Bilt Travel flights; 1x else                                                            | $0 annual fee; no foreign transaction fee                                 | [1](https://www.bilt.com/card/blue) · [2](https://www.bilt.com/card)                                                                                                                                                                                                                                                                          |
+| bilt-palladium                 | 4x on Bilt Travel hotels; 4x on Lyft once linked; 3x on Bilt Travel flights; 2x else                                                            | $495 annual fee; no foreign transaction fee                               | [1](https://www.bilt.com/card/palladium) · [2](https://www.bilt.com/card)                                                                                                                                                                                                                                                                     |
+| barclays-jetblue-plus          | 6x at JetBlue, JetBlue Vacations and TrueBlue Travel; 2x at restaurants and grocery stores; 1x else                                             | $99 annual fee; no foreign transaction fee                                | [1](https://cards.barclaycardus.com/banking/cards/jetblue-plus-card/) · [2](https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255)                                                                                                                                                                                                      |
+| paypal-cashback-mastercard     | 1.5% on everything (the 3% through PayPal checkout isn't modeled)                                                                               | $0 annual fee; 3% foreign transaction fee                                 | [1](https://www.paypal.com/us/digital-wallet/manage-money/paypal-cashback-mastercard) · [2](https://www.synchronybankterms.com/gecrbterms/html/PayPalCashbackApplyTerms_combo.htm) · [3](https://www.synchronycredit.com/gecrbterms/html/PayPalCashbackRewardsTerms.htm)                                                                      |
+
+## 2026.11.04.6
+
+`amex-blue-cash-preferred`'s 6% U.S. streaming rule now covers AMC+, BritBox, iHeartRadio, Kindle Unlimited, MGM+ and YouTube Music Premium, all named on Amex's [Select U.S. Streaming Subscriptions list](https://www.americanexpress.com/us/content/rewards-info/retail.html) (read 2026-11-04). They joined the merchant directory in 2026.11.04.4.
+
+## 2026.11.04.5
+
+First-year rates, as `intro_rates` on the card, applied when the wallet card's `opened` date (or its welcome bonus's) falls in the window:
+
+| Card                                      | First-year rate                                                                                                              | Source                                                                                                                                                                    |
+| ----------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
+| `discover-it-cash-back`                   | Cashback Match: every rate doubled for the first 365 days, past caps included                                                | [Discover it card page](https://www.discover.com/credit-cards/cash-back/it-card/), [Cashback Match terms](https://disclosures.capitalone.com/disclosure.42300.en-US.html) |
+| `bank-of-america-customized-cash-rewards` | An extra 3% in the choice category for 365 days, inside the $2,500 quarterly cap, with no BofA Rewards bonus on the extra 3% | [Customized Cash terms](https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/)                                                                       |
+
+Without an opening date, both rank at their standard rates.
+
+## 2026.11.04.4
+
+The merchant directory grows from 399 to 640 entries (241 added), so each gets its own `/best/<store>` page. Names come from [NRF's 2025 Top 100 Retailers](https://nrf.com/research-insights/top-retailers/top-100-retailers/top-100-retailers-2025-list), the issuers' own merchant lists below, and well-known regional and national chains in each category; no merchant data was copied from another directory. No card rules or rates changed.
+
+Categories follow the issuers' definitions, read 2026-11-04: [Chase's rewards category FAQ](https://www.chase.com/personal/credit-cards/rewards-category-faq), [Amex's retail category terms](https://www.americanexpress.com/us/content/rewards-info/retail.html) and [U.S. Bank's Cash+ sample merchants](https://cashplus.usbank.com/cash-plus/samplemerchants). Merchants that code unexpectedly are in `overrides.yaml` with a note.
+
+Amazon Prime Video moves to `overrides.yaml`: "Amazon Prime Video" used to match Amazon itself, because overrides are searched first and "Amazon" starts the name. The integrity check now resolves every merchant name, alias and domain and fails if it finds another merchant, and fails if a category word ("coffee", "gas") resolves to a merchant.
+
+| Category                                      | Added                                                                                                                                                                                                                                                                                                                                                                              | Source for the category                                                                                                                                                       |
+| --------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
+| Supermarkets                                  | Jewel-Osco, Acme Markets, Tom Thumb, Randalls, Shaw's, Star Market, Cub Foods, Schnucks, Dierbergs, Pick 'n Save, Weis Markets, Ingles Markets, Grocery Outlet, Save A Lot, Piggly Wiggly, Market Basket, Save Mart, Tops Markets, Brookshire's, Food City, Big Y, The Giant Company, Lowes Foods, Rouses Markets, H Mart, 99 Ranch Market                                         | Supermarkets; U.S. Bank's grocery list names Jewel-Osco, Cub Foods, Schnucks, Dierbergs and Pick 'n Save                                                                      |
+| Supermarkets (supercenters)                   | Meijer, Fred Meyer (overrides: may code as a superstore)                                                                                                                                                                                                                                                                                                                           | U.S. Bank calls both grocery stores; Amex: "Superstores ... are NOT considered supermarkets"                                                                                  |
+| Store pharmacies                              | Walmart Pharmacy, Kroger Pharmacy, Publix Pharmacy, H-E-B Pharmacy (overrides: code as the store, may code as a drugstore)                                                                                                                                                                                                                                                         | Chase's drugstores leave out "warehouse clubs, discount stores, or grocery stores" with an onsite pharmacy                                                                    |
+| Everything else (liquor stores)               | Total Wine & More, Spec's (overrides)                                                                                                                                                                                                                                                                                                                                              | Amex's supermarkets leave out "liquor stores"; so does Chase's online grocery                                                                                                 |
+| Gas                                           | Gulf, Murphy USA (both named by Amex), Conoco, Sinclair, Texaco, ARCO, Cenex; GetGo, Kwik Shop, Thorntons, Royal Farms, QuickChek, Stewart's Shops, Rutter's (overrides: may code as a convenience store where there are no pumps)                                                                                                                                                 | Amex's gas station examples; U.S. Bank lists Cenex. GetGo is Giant Eagle's: Chase's grocery leaves out "gas stations from merchants who also operate grocery stores"          |
+| Fast food                                     | Hardee's, Checkers & Rally's, Krystal, White Castle, Church's Texas Chicken, Wienerschnitzel, Taco John's, Captain D's, Long John Silver's, Papa Murphy's, Marco's Pizza, Jet's Pizza, Jollibee; Tim Hortons, Peet's Coffee, Caribou Coffee; Baskin-Robbins, Cold Stone Creamery                                                                                                   | Counter-service chains; U.S. Bank lists Papa Murphy's under fast food                                                                                                         |
+| Fast food (fast casual)                       | Panera Bread, CAVA, Noodles & Company, MOD Pizza, Blaze Pizza, Moe's, Potbelly, McAlister's, Jason's Deli, Freddy's, Portillo's, Smoothie King (overrides: may code as restaurants)                                                                                                                                                                                                | As for Five Guys and Shake Shack: fast-casual chains can post as fast food or as restaurants                                                                                  |
+| Restaurants                                   | Cheddar's, Perkins, Golden Corral, Logan's Roadhouse, O'Charley's, Ruth's Chris, Morton's, Fleming's, The Capital Grille, Bahama Breeze, Hard Rock Cafe, First Watch, Black Bear Diner, Huddle House, Benihana, California Pizza Kitchen, Texas de Brazil, Fogo de Chão; Smashburger (override: may code as fast food); Dave & Buster's (override: game cards may post separately) | Full-service chains; U.S. Bank lists Cheddar's, Perkins and Smashburger under restaurants                                                                                     |
+| Restaurants inside other businesses           | Madison Square Garden, Yankee Stadium, Fenway Park, Wrigley Field (entertainment); Caesars Palace, MGM Grand, The Venetian, Wynn Las Vegas, ARIA (hotels); Studio Movie Grill (movie theater) (overrides, as for Dodger Stadium, Bellagio and Alamo Drafthouse)                                                                                                                    | Chase: food sold "within facilities such as sports stadiums, hotels and casinos" isn't dining; Amex: a restaurant inside a hotel "may be recognized as a purchase at a hotel" |
+| Transit                                       | WMATA, CTA, LA Metro, SFMTA (Muni), Caltrain, MARTA, DART, TriMet, PATH, Brightline, Megabus, FlixBus                                                                                                                                                                                                                                                                              | Chase: "passenger trains, buses ... ferries"; U.S. Bank lists TriMet and Ventra                                                                                               |
+| Transit (parking and tolls)                   | PayByPhone, ParkWhiz, LAZ Parking (MCC 7523); E-ZPass, SunPass, FasTrak, TxTag (MCC 4784) (overrides)                                                                                                                                                                                                                                                                              | Chase's transit names "toll bridges and highways, and parking lots and garages"; U.S. Bank's ground transportation leaves out "parking garages and toll stations"             |
+| Rideshare                                     | Curb                                                                                                                                                                                                                                                                                                                                                                               | Chase's rideshare: "taxi, limousine, and rideshare services"                                                                                                                  |
+| Everything else (truck rental)                | U-Haul, Penske Truck Rental, Budget Truck Rental (overrides)                                                                                                                                                                                                                                                                                                                       | Chase's car rental leaves out "vehicle rentals for the purpose of hauling"                                                                                                    |
+| Flights                                       | Breeze Airways, Avelo, British Airways, Lufthansa, Air France, KLM, Emirates, Qatar Airways, Virgin Atlantic, Aer Lingus, Japan Airlines, All Nippon Airways, Singapore Airlines, Turkish Airlines, Icelandair, WestJet, Aeroméxico, Volaris                                                                                                                                       | Airlines                                                                                                                                                                      |
+| Hotels                                        | Extended Stay America, Sonesta, Omni, Loews, Four Seasons, Accor, Radisson, Drury, Great Wolf Lodge, each with its brands as aliases                                                                                                                                                                                                                                               | Hotels                                                                                                                                                                        |
+| Car rental                                    | Advantage, Europcar                                                                                                                                                                                                                                                                                                                                                                | Car rental agencies                                                                                                                                                           |
+| Cruises                                       | MSC Cruises, Holland America Line, Viking, Virgin Voyages                                                                                                                                                                                                                                                                                                                          | Cruise lines                                                                                                                                                                  |
+| Travel (agencies)                             | Trip.com, Agoda, CheapOair, Hotwire                                                                                                                                                                                                                                                                                                                                                | Chase: airline- and hotel-direct bonuses leave out "travel agencies, discount travel sites"                                                                                   |
+| Streaming                                     | AMC+, BritBox, iHeartRadio, MGM+, YouTube Music Premium; Kindle Unlimited (override: billed by Amazon)                                                                                                                                                                                                                                                                             | All on Amex's Select U.S. Streaming Subscriptions list                                                                                                                        |
+| TV and internet                               | Verizon Fios, Google Fiber, Mediacom, Astound Broadband, Kinetic by Windstream                                                                                                                                                                                                                                                                                                     | Chase: "internet, cable, satellite television"                                                                                                                                |
+| Cell phone                                    | Consumer Cellular, Straight Talk, Tracfone, Total Wireless, Spectrum Mobile; Xfinity Mobile (override, so "Xfinity" alone still means Comcast)                                                                                                                                                                                                                                     | U.S. Bank's cell phone list (Consumer Cellular, Straight Talk, TracFone, Xfinity Mobile)                                                                                      |
+| Utilities                                     | Ameren, ComEd, Xcel Energy, National Grid, Eversource, PSE&G, Entergy, SDG&E, APS, DTE Energy, PECO, Waste Management                                                                                                                                                                                                                                                              | U.S. Bank's home utilities list (Ameren, ComEd, Xcel Energy, Waste Management); Chase: "electric, household fuel, water, and sanitation"                                      |
+| Drugstores                                    | Health Mart                                                                                                                                                                                                                                                                                                                                                                        | A pharmacy network                                                                                                                                                            |
+| Movie theaters                                | Cinépolis, Megaplex Theatres, Fandango                                                                                                                                                                                                                                                                                                                                             | U.S. Bank's movie theater list (Megaplex, Fandango.com)                                                                                                                       |
+| Gyms                                          | Snap Fitness, SoulCycle, Gold's Gym, Club Pilates, F45 Training                                                                                                                                                                                                                                                                                                                    | U.S. Bank's gym list (Snap Fitness, SoulCycle); Chase's gyms include "fitness studios"                                                                                        |
+| Entertainment                                 | AXS                                                                                                                                                                                                                                                                                                                                                                                | A ticket seller for live events, like Ticketmaster                                                                                                                            |
+| Department stores                             | Neiman Marcus, Von Maur, Boscov's                                                                                                                                                                                                                                                                                                                                                  | U.S. Bank's department store list (Von Maur)                                                                                                                                  |
+| Clothing                                      | Torrid, Lane Bryant, LOFT, Chico's, Madewell, Athleta, Men's Wearhouse, Buckle, PacSun, Hot Topic                                                                                                                                                                                                                                                                                  | Clothing stores. None is on Cash+'s select clothing list, which matches by merchant                                                                                           |
+| Electronics                                   | Monoprice                                                                                                                                                                                                                                                                                                                                                                          | U.S. Bank's electronics store list                                                                                                                                            |
+| Furniture                                     | American Furniture Warehouse, Room & Board, RC Willey, Nebraska Furniture Mart, Value City Furniture, Mattress Firm                                                                                                                                                                                                                                                                | U.S. Bank's furniture list (all but Mattress Firm; it lists Mattress Warehouse)                                                                                               |
+| Sporting goods                                | Orvis, Golf Galaxy, Sportsman's Warehouse, Play It Again Sports, Dunham's Sports                                                                                                                                                                                                                                                                                                   | U.S. Bank's sporting goods list (all but Dunham's)                                                                                                                            |
+| Everything else, online retail on their sites | O'Reilly Auto Parts, Advance Auto Parts, NAPA Auto Parts, Discount Tire, Bath & Body Works, Barnes & Noble, Guitar Center, DSW, Pet Supplies Plus (overrides)                                                                                                                                                                                                                      | Amex's online retail: "U.S. retail merchant that sells physical goods", including auto, book, footwear and pet stores                                                         |
+
+## 2026.11.04.3
+
+A `color` for every card (its card face's main color, roughly) and every issuer, for earnrate's own drawings of cards on earnrate.dev; never the issuer's card art. Display only; no rates changed.
+
+## 2026.11.04.2
+
+Short names (`short_name`, at most 24 characters) for the 35 cards whose names are too long for one line of the Apple Wallet pass, like "AAdvantage Platinum" and "BofA Customized Cash". Display only; no rates changed.
+
+## 2026.11.04.1
+
+The parent `grocery` category reads "grocery stores" in sentences ("bonus at grocery stores, restaurants and American Red Cross"); its search page stays at /best/grocery. No rates changed.
+
+## 2026.11.04
+
+Eleven new cards, each from the issuer's own pages: Ink Business Unlimited and Freedom Rise (Chase); Business Gold and Business Platinum (Amex); Unlimited Cash Rewards, Travel Rewards and Premium Rewards (Bank of America, with the BofA Rewards tiers as on Customized Cash Rewards); Altitude Go and Altitude Connect (U.S. Bank); Autograph Journey (Wells Fargo); and Citi Strata. New currencies: Bank of America Travel Rewards points (1¢ as a travel and dining statement credit, 0.6¢ as cash), Bank of America Premium Rewards points (1¢) and U.S. Bank Altitude points (1¢), each at the issuer's own redemption rate. New merchants: Bank of America Travel Center, and prepaid hotels and car rentals through the U.S. Bank Travel Center. Apple Card, Amex Green and Capital One SavorOne weren't added: Apple Card's 1% rate is stated only in a PDF agreement and its 2% needs Apple Pay, which earnrate can't see; Amex no longer lists Green; SavorOne's page now redirects to Savor, already on file.
+
+| Card                                   | Main rates                                                                                                                                                                           | Fees                                        | Sources                                                                                                                                                                                                                                                                                                                    |
+| -------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
+| chase-ink-business-unlimited           | 1.5% on everything; 5% on Lyft rides through Sept 30, 2027                                                                                                                           | $0 annual fee; 3% foreign transaction fee   | [1](https://creditcards.chase.com/business-credit-cards/ink/unlimited) · [2](https://www.chase.com/personal/credit-cards/education/rewards-benefits/how-to-combine-chase-credit-card-points-in-household) · [3](https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC63749.html) |
+| chase-freedom-rise                     | 1.5% on everything                                                                                                                                                                   | $0 annual fee; 3% foreign transaction fee   | [1](https://creditcards.chase.com/cash-back-credit-cards/freedom/rise) · [2](https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65397.html)                                                                                                                                    |
+| amex-business-gold                     | 4x in the 2 of 6 categories with the most spend each billing period (first $150,000 a year); 3x on flights and prepaid hotels through Amex Travel; 1x else                           | $375 annual fee; no foreign transaction fee | [1](https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/) · [2](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms)                                                              |
+| amex-business-platinum                 | 5x on flights and prepaid hotels through Amex Travel; 2x at U.S. hardware suppliers, electronics stores and shipping (first $2 million a year); 1x else                              | $895 annual fee; no foreign transaction fee | [1](https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex/) · [2](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms)                                       |
+| bank-of-america-unlimited-cash-rewards | 1.5% on everything; 10–75% more with BofA Rewards                                                                                                                                    | $0 annual fee; 3% foreign transaction fee   | [1](https://www.bankofamerica.com/credit-cards/products/unlimited-cash-back-credit-card/) · [2](https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4082058&productoffercode=6E&locale=en_US) · [3](https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/)         |
+| bank-of-america-travel-rewards         | 3x through the Bank of America Travel Center; 1.5x else; 10–75% more with BofA Rewards                                                                                               | $0 annual fee; no foreign transaction fee   | [1](https://www.bankofamerica.com/credit-cards/products/travel-rewards-credit-card/) · [2](https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079333&productoffercode=75&locale=en_US) · [3](https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/)              |
+| bank-of-america-premium-rewards        | 2x on travel and dining; 1.5x else; 10–75% more with BofA Rewards                                                                                                                    | $95 annual fee; no foreign transaction fee  | [1](https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/) · [2](https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079485&productoffercode=UN&locale=en_US) · [3](https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/)             |
+| usbank-altitude-go                     | 4x on dining (first $2,000 a quarter); 2x on groceries, gas and EV charging, and streaming; 1x else                                                                                  | $0 annual fee; 3% foreign transaction fee   | [1](https://www.usbank.com/credit-cards/altitude-go-visa-signature-credit-card.html) · [2](https://onboarding.usbank.com/gateway/partner/credit-card/begin?locationCode=18569&offerId=HQWRM3D57Q&sourceCode=88268&page=terms) · [3](https://rewards.usbank.com/benefits/card/AltitudeGoBenefits/program-rules)             |
+| usbank-altitude-connect                | 5x on prepaid hotels and car rentals in the Travel Center; 4x on travel and on gas and EV charging (first $1,000 a quarter); 2x on dining, groceries and streaming; 1x else          | $0 annual fee; no foreign transaction fee   | [1](https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html) · [2](https://onboarding.usbank.com/gateway/partner/credit-card/begin?locationCode=18569&offerId=8BB5BD89H1&sourceCode=88416&page=terms) · [3](https://rewards.usbank.com/benefits/card/AltitudeConnectBenefits/program-rules)   |
+| wells-fargo-autograph-journey          | 5x at hotels; 4x on airlines; 3x at restaurants and on other travel; 1x else                                                                                                         | $95 annual fee; no foreign transaction fee  | [1](https://creditcards.wellsfargo.com/autograph-journey-visa-credit-card/) · [2](https://www.wellsfargo.com/credit-cards/autograph-journey-visa/terms/)                                                                                                                                                                   |
+| citi-strata                            | 5x on hotels, car rentals and attractions through Citi Travel; 3x at supermarkets, on gas, EV charging and select transit, and in a Self-Select Category; 2x at restaurants; 1x else | $0 annual fee; 3% foreign transaction fee   | [1](https://www.citi.com/credit-cards/citi-strata-credit-card) · [2](https://online.citi.com/US/nga/cards/displayterms?app=UNSOL&HKOP=694a2bccaa4fab7c7710d9d9f1f36fbac5552a971559393761b722e87102c50f)                                                                                                                    |
+
+## 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
+2026.11.04.8

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

@@ -1,5 +1,6 @@
 id: amex-blue-business-plus
 name: American Express Blue Business Plus Credit Card
+color: '#1f5fa8'
 issuer: amex
 network: amex
 currency: MR

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

@@ -1,5 +1,6 @@
 id: amex-blue-cash-everyday
 name: American Express Blue Cash Everyday Card
+color: '#4a90c8'
 issuer: amex
 network: amex
 currency: cash

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

@@ -1,5 +1,6 @@
 id: amex-blue-cash-preferred
 name: American Express Blue Cash Preferred Card
+color: '#1d3f7a'
 issuer: amex
 network: amex
 currency: cash
@@ -33,9 +34,11 @@ rules:
         merchants:
           [
             amazon-music,
+            amc-plus,
             apple-music,
             apple-tv,
             audible,
+            britbox,
             directv-stream,
             discovery-plus,
             disney-plus,
@@ -43,6 +46,9 @@ rules:
             fubotv,
             max,
             hulu,
+            iheartradio,
+            kindle-unlimited,
+            mgm-plus,
             mlb-tv,
             nba-league-pass,
             netflix,
@@ -55,6 +61,7 @@ rules:
             spotify,
             starz,
             tidal,
+            youtube-music,
             youtube-premium,
             youtube-tv,
           ],

package/data/cards/amex-business-gold.yaml

@@ -0,0 +1,134 @@
+id: amex-business-gold
+name: American Express Business Gold Card
+color: '#c9a55c'
+issuer: amex
+network: amex
+currency: MR
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+base_rate: 1
+business: true
+annual_fee: 375
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 200000
+  spend: 15000
+  months: 3
+  varies: true
+  note: 'The public offer is "as high as" 200,000 points; Amex shows the exact amount (which may be lower, or no offer) after you apply and before you accept. Not available if you have or have had this Card or previous versions of it, and Amex may also decline based on your card history. One offer per Card Account.'
+choices:
+  # Amex picks these itself: the 2 of 6 categories with the most eligible
+  # purchases each billing period. Tell earnrate the two you expect.
+  - id: top-two
+    pick: 2
+    period: month
+    options:
+      us-advertising: [online_advertising]
+      us-electronics-software-cloud: [electronics]
+      us-restaurants: [dining]
+      us-gas-stations: [gas]
+      transit: [transit]
+      us-wireless-phone: [phone]
+caps:
+  - id: top-two
+    amount: 150000
+    period: calendar_year
+    then_rate: 1
+rules:
+  - id: top-two-us
+    match:
+      choice: top-two
+      categories: [online_advertising, electronics, dining, gas, phone]
+    exclude: { categories: [gas.grocery_store, gas.superstore] }
+    rate: 4
+    geography: us_only
+    cap: top-two
+    note: In the 2 of 6 categories with the most purchases each billing period, the first $150,000 a calendar year across both. U.S. online, TV and radio advertising; U.S. electronics stores and software and cloud providers; U.S. restaurants, including takeout and delivery; U.S. gas stations (not at superstores, supermarkets or warehouse clubs); and U.S. wireless phone service bought directly from the carrier (not Google Fi, resellers or authorized retailers).
+  - id: top-two-transit
+    match: { choice: top-two, categories: [transit] }
+    rate: 4
+    cap: top-two
+    note: When transit is one of the top 2 categories. Trains, taxis, rideshare, ferries, tolls, parking, buses and subways. Shares the $150,000 yearly cap.
+  - id: flights-prepaid-hotels-amex-travel
+    match: { merchants: [amex-travel-flights, amex-travel-hotels] }
+    rate: 3
+    note: Scheduled flights booked online at AmexTravel.com or the Amex Travel app, and prepaid hotels booked through American Express Travel. Not non-prepaid hotels, or flights or flight+hotel packages booked by phone.
+  - id: other-amex-travel
+    match:
+      {
+        merchants:
+          [amex-travel-car-rentals, amex-travel-cruises, airbnb-amex-travel],
+      }
+    rate: 2
+    note: Prepaid car rentals, cruises and prepaid Airbnb stays booked through AmexTravel.com or the Amex Travel app.
+# Not modeled: the $240 flexible business credit, the ChatGPT Business,
+# Squarespace and Walmart+ credits, and the Venue Collection, which are
+# statement credits rather than points.
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'will get at least one Membership Rewards® point for each dollar of eligible purchases'
+  - rule: top-two-us
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/
+    quote: '4X points are earned on the first $150,000 in combined purchases each calendar year.'
+  - rule: top-two-us
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'in the 2 categories (of 6) where the Card Account had the most eligible purchases each billing period'
+  - rule: top-two-us
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'purchases of online, television, and radio advertising made from media providers located in the U.S.'
+  - rule: top-two-us
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'purchases from electronic goods retailers or software and cloud system providers in the U.S.'
+  - rule: top-two-us
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'restaurants located in the U.S, including takeout and delivery'
+  - rule: top-two-us
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations'
+  - rule: top-two-us
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'monthly wireless telephone service charges made directly from a wireless telephone service provider located in the U.S.'
+  - rule: top-two-us
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'Any purchases from Google Fi, third parties, authorized retailers or resellers are excluded.'
+  - rule: top-two-transit
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'trains, taxi cabs, rideshare services, ferries, tolls, parking, buses, and subways'
+  - rule: flights-prepaid-hotels-amex-travel
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/
+    quote: 'On Flights & Pre-Paid Hotels'
+  - rule: flights-prepaid-hotels-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'Basic Card Members will get 2 additional points (for a total of 3 points)'
+  - rule: other-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'prepaid car rental reservations booked through AmexTravel.com or the Amex Travel App'
+  - rule: other-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'cruise reservations booked through AmexTravel.com'
+  - rule: other-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'prepaid short-term rental reservations booked with Airbnb through AmexTravel.com'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'The annual fee for the Business Gold Card is $375.'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/
+    quote: 'AS HIGH AS 200,000 Membership Rewards® Points'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/
+    quote: 'after you spend $15,000 in purchases on your new Card within the first 3 months of Card Membership'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'if you have or have had this Card or previous versions of this Card'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+todo:
+  - 'Software and cloud system providers count toward the electronics category, but earnrate has no software or cloud category, so only electronics stores are modeled.'
+  - "From February 17, 2027, advertising counts only when bought directly from Meta, Google, Amazon, Microsoft, GoDaddy and Yelp, and wireless only from Verizon, AT&T, T-Mobile, Frontier, Comcast, Charter, Spectrum Mobile, UScellular, Optimum, Ultra Mobile and Mint Mobile. earnrate has no way to limit a category to named merchants from a date, so this isn't modeled yet."