earnrate 0.2.10 → 0.2.12

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

@@ -0,0 +1,115 @@
+id: amex-business-platinum
+name: The Business Platinum Card from American Express
+short_name: Amex Business Platinum
+color: '#b9bcc0'
+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-platinum-credit-card-amex/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+base_rate: 1
+business: true
+annual_fee: 895
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 300000
+  spend: 20000
+  months: 3
+  varies: true
+  note: 'The public offer is "as high as" 300,000 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.'
+caps:
+  - id: key-business-categories
+    amount: 2000000
+    period: calendar_year
+    then_rate: 1
+rules:
+  - id: flights-prepaid-hotels-amex-travel
+    match:
+      {
+        merchants:
+          [amex-travel-flights, amex-travel-hotels, airbnb-amex-travel],
+      }
+    rate: 5
+    note: Scheduled flights booked through AmexTravel.com or the Amex Travel app (not by phone), prepaid hotels booked through American Express Travel, and prepaid Airbnb stays booked through AmexTravel.com. Not charter or private flights, or flights in tours, cruises or packages.
+  - id: other-amex-travel
+    match: { merchants: [amex-travel-car-rentals, amex-travel-cruises] }
+    rate: 2
+    note: Prepaid car rentals and cruises booked through AmexTravel.com or the Amex Travel app.
+  - id: us-hardware-suppliers
+    match: { categories: [home_improvement] }
+    rate: 2
+    geography: us_only
+    cap: key-business-categories
+    note: U.S. construction material and hardware suppliers. The first $2 million a calendar year across the 2X categories, then 1X.
+  - id: us-electronics-software-cloud
+    match: { categories: [electronics] }
+    rate: 2
+    geography: us_only
+    cap: key-business-categories
+    note: U.S. electronic goods retailers and software and cloud system providers. Shares the $2 million yearly cap.
+  - id: us-shipping
+    match: { categories: [shipping] }
+    rate: 2
+    geography: us_only
+    cap: key-business-categories
+    note: U.S. shipping providers. Shares the $2 million yearly cap.
+# Not modeled: the hotel, Hilton, airline fee, CLEAR, Dell, ChatGPT, Adobe,
+# Indeed and wireless credits, the 35% Pay with Points airline bonus and
+# lounge access, which are credits or benefits rather than points earned.
+# 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/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'Basic Card Members will get 1 Membership Rewards® point for each dollar charged for eligible purchases'
+  - rule: flights-prepaid-hotels-amex-travel
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex/
+    quote: 'Earn 5X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com.'
+  - rule: flights-prepaid-hotels-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'Basic Card Members will earn 4 additional points (for a total of 5 Membership Rewards points or 5x points)'
+  - rule: flights-prepaid-hotels-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'prepaid short-term rental reservations booked with Airbnb through AmexTravel.com'
+  - rule: flights-prepaid-hotels-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'Eligible air and lodging bookings do not include: charter flights, private jet flights'
+  - rule: other-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#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/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'will receive one (1) additional Membership Rewards® point per dollar spent on eligible cruise bookings'
+  - rule: us-hardware-suppliers
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'You get 2X Membership Rewards® points per dollar on up to two million dollars'
+  - rule: us-hardware-suppliers
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'U.S. construction material and hardware suppliers'
+  - rule: us-electronics-software-cloud
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'U.S. electronic goods retailers and software & cloud system providers'
+  - rule: us-shipping
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'at U.S. shipping providers, or (4) eligible purchases of $5,000 or more'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'The annual fee for the Business Platinum Card® is $895.'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex/
+    quote: 'AS HIGH AS 300,000 Membership Rewards® Points'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex/
+    quote: 'after you spend $20,000 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/business-platinum-charge-card/64281-9-0#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/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+todo:
+  - "Any eligible purchase of $5,000 or more earns 2X (inside the same $2 million yearly cap). earnrate has no rule condition on purchase size, so this isn't modeled."
+  - "Software and cloud system providers count toward the electronics category, but earnrate has no software or cloud category, so only electronics stores are modeled. Construction material and hardware suppliers are modeled as earnrate's home improvement category."
+  - 'From February 17, 2027, U.S. shipping providers count only when bought directly from UPS, FedEx, USPS, Auctane, DHL, Worldwide Express and Old Dominion Freight Line. Not modeled yet.'

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

@@ -0,0 +1,91 @@
+id: amex-delta-skymiles-blue
+name: Delta SkyMiles Blue American Express Card
+short_name: Delta SkyMiles Blue
+color: '#3d6fa8'
+issuer: amex
+network: amex
+currency: delta-skymiles
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-blue-american-express-card/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+  - https://www.americanexpress.com/us/content/rewards-info/retail.html
+base_rate: 1
+annual_fee: 0
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 10000
+  spend: 1000
+  months: 6
+  not_with:
+    [
+      amex-delta-skymiles-gold,
+      amex-delta-skymiles-platinum,
+      amex-delta-skymiles-reserve,
+    ]
+  note: 'No end date given. Amex: "You may not be eligible to receive a welcome offer if you have or have had this Card, the Delta SkyMiles® Options Credit Card, the Delta SkyMiles® Gold American Express Card, the Delta SkyMiles® Platinum American Express Card, the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards." Amex may also decline based on your card history.'
+rules:
+  - id: restaurants
+    match: { categories: [dining] }
+    exclude: { merchants: [dodger-stadium, bellagio], mccs: [5813] }
+    rate: 2
+    note: Worldwide, including takeout; third-party delivery counts only in the U.S. Not at restaurants inside hotels, casinos or event venues, or at bars, nightclubs, cafeterias and convenience stores.
+  - id: delta
+    match: { merchants: [delta, delta-vacations, delta-stays] }
+    rate: 2
+    note: Charged directly with Delta as merchant of record (delta.com, the Fly Delta app, phone, ticket counters), including Basic Economy fares, upgrades, seats, Sky Club membership, Delta-operated in-flight food and drinks, Delta Vacations packages and new Delta Stays bookings. Not Delta gift cards, deltashop.com, the Delta Flight Museum or in-flight Wi-Fi.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: '1x Mile on eligible purchases: Basic Card Members will earn 1 mile for each dollar'
+  - rule: restaurants
+    url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-blue-american-express-card/
+    quote: 'At restaurants, including takeout and delivery in the U.S.'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: '2x Miles at Restaurants: Basic Card Members will earn 1 additional mile'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: 'Card Account charged at restaurants worldwide.'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: 'will not earn additional miles for purchases at bars, nightclubs, cafeterias, and convenience stores'
+  - rule: restaurants
+    url: https://www.americanexpress.com/us/content/rewards-info/retail.html
+    quote: 'fast food restaurants are included in the global restaurants rewards category'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: '2x Miles on Delta Purchases: Basic Card Members will earn 1 additional mile'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: 'charged directly with Delta where Delta is the merchant of record'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: 'Delta Purchases do not include Delta Gift Cards and purchases made at deltashop.com'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: 'Delta Purchases include Delta Vacations® packages but not other all-inclusive packages.'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: 'Delta Purchases include new Delta Stays prepaid hotel or vacation rental bookings'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-blue-american-express-card/
+    quote: 'Annual Fee: No Annual Fee'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: 'Annual Fee $0 Transaction Fees'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-blue-american-express-card/
+    quote: 'after you spend $1,000 on eligible purchases on your new Card within your first 6 months'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: 'To qualify for the 10,000 bonus miles, you must make eligible purchases'
+  - rule: not_with
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: 'the Delta SkyMiles® Gold American Express Card, the Delta SkyMiles® Platinum American Express Card'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+todo:
+  - Not modeled (statement credits and perks, not miles per dollar) 20% back as a statement credit on Delta in-flight food and drinks, and Pay with Miles ($50 off a Delta fare for every 5,000 miles).

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

@@ -0,0 +1,122 @@
+id: amex-delta-skymiles-gold
+name: Delta SkyMiles Gold American Express Card
+short_name: Delta SkyMiles Gold
+color: '#c9a24f'
+issuer: amex
+network: amex
+currency: delta-skymiles
+last_verified: 2026-11-03
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+  - https://www.americanexpress.com/us/content/rewards-info/retail.html
+base_rate: 1
+annual_fee: 150
+first_year_fee: 0
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 80000
+  spend: 3000
+  months: 6
+  valid_to: 2026-11-04
+  varies: true
+  not_with: [amex-delta-skymiles-platinum, amex-delta-skymiles-reserve]
+  note: 'The public offer is "as high as" 80,000 bonus miles plus a $250 statement credit, both after the same $3,000 in purchases; Amex shows the exact miles (which may be lower, or no offer) after you apply and before you accept. Amex: "You may not be eligible to receive a welcome offer if you have or have had this Card, the Delta SkyMiles® Platinum American Express Card, the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards." Amex may also decline based on your card history.'
+rules:
+  - id: restaurants
+    match: { categories: [dining] }
+    exclude: { merchants: [dodger-stadium, bellagio], mccs: [5813] }
+    rate: 2
+    note: Worldwide, including takeout; third-party delivery counts only in the U.S. Not at restaurants inside hotels, casinos or event venues, or at bars, nightclubs, cafeterias and convenience stores.
+  - id: us-supermarkets
+    match: { categories: [grocery.supermarket] }
+    exclude: { categories: [superstore, warehouse_club, convenience_store] }
+    rate: 2
+    geography: us_only
+    note: Superstores, convenience stores, warehouse clubs and meal-kit delivery services are not supermarkets.
+  - id: delta
+    match: { merchants: [delta, delta-vacations, delta-stays] }
+    rate: 2
+    note: Charged directly with Delta as merchant of record (delta.com, the Fly Delta app, phone, ticket counters), including Basic Economy fares, upgrades, seats, Sky Club membership, Delta-operated in-flight food and drinks, Delta Vacations packages and new Delta Stays bookings. Not Delta gift cards, deltashop.com, the Delta Flight Museum or in-flight Wi-Fi.
+milestones:
+  - id: flight-credit-10k
+    spend: 10000
+    period: calendar_year
+    rewards:
+      - $200 Delta Flight Credit
+    note: A Delta eCredit for Delta flights bought on delta.com or with Delta Reservations (also the airfare part of a Delta Vacations package), not bag fees, upgrades or other fees. It expires one year after it's issued. Additional Card Members' purchases count; gift cards, prepaid cards and cash equivalents don't.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: '1x Mile on eligible purchases: Basic Card Members will earn 1 mile for each dollar'
+  - rule: restaurants
+    url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/
+    quote: 'At restaurants, including takeout and delivery in the U.S.'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: '(for a total of 2 miles) for each dollar of eligible purchases'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'Card Account charged at restaurants worldwide.'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'will not earn additional miles for purchases at bars, nightclubs, cafeterias, and convenience stores'
+  - rule: restaurants
+    url: https://www.americanexpress.com/us/content/rewards-info/retail.html
+    quote: 'fast food restaurants are included in the global restaurants rewards category'
+  - rule: us-supermarkets
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: '2x Miles at U.S. Supermarkets: Basic Card Members will earn 1 additional mile'
+  - rule: us-supermarkets
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'warehouse clubs, and meal-kit delivery services are not considered supermarkets'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: '2x Miles on Delta Purchases: Basic Card Members will earn 1 additional mile'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'charged directly with Delta where Delta is the merchant of record'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'Delta Purchases do not include Delta Gift Cards and purchases made at deltashop.com'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'Delta Purchases include Delta Vacations® packages but not other all-inclusive packages.'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'Delta purchases include new Delta Stays prepaid hotel or vacation rental bookings'
+  - rule: flight-credit-10k
+    url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/
+    quote: 'After you spend $10,000 in eligible purchases on your Card in a calendar year'
+  - rule: flight-credit-10k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'the Basic Card Member will receive a $200 Delta eCredit'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/
+    quote: '$0 introductory annual fee for the first year, then $150.'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'After that, the annual fee will be $150.'
+  - rule: first_year_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'will be $0 for the first year of Card Membership'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'As High As 80,000 Bonus Miles + $250 Statement Credit'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/
+    quote: 'after you spend $3,000 in purchases on your new Card within the first 6 months'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'Offer ends 11/04/2026 at 11:59pm MST.'
+  - rule: not_with
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'if you have or have had this Card, the Delta SkyMiles® Platinum American Express Card'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+todo:
+  - The welcome offer's $250 statement credit (same $3,000 spend as the miles) isn't counted, since an offer is either miles or dollars.
+  - The welcome offer ends 11/04/2026; re-check the card page for the next one.
+  - Not modeled (statement credits and perks, not miles per dollar) the $100 Delta Stays credit, the $120 rideshare credit (after the first renewal, enrollment required), 20% back on Delta in-flight food and drinks, and TakeOff 15 (15% off Delta award flights).

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

@@ -0,0 +1,120 @@
+id: amex-delta-skymiles-platinum
+name: Delta SkyMiles Platinum American Express Card
+short_name: Delta SkyMiles Platinum
+color: '#a9abae'
+issuer: amex
+network: amex
+currency: delta-skymiles
+last_verified: 2026-11-03
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-platinum-american-express-card/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+  - https://www.americanexpress.com/us/content/rewards-info/retail.html
+base_rate: 1
+annual_fee: 350
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 90000
+  spend: 4000
+  months: 6
+  valid_to: 2026-11-04
+  varies: true
+  not_with: [amex-delta-skymiles-reserve]
+  note: 'The public offer is "as high as" 90,000 bonus miles plus a $300 statement credit, both after the same $4,000 in purchases; Amex shows the exact miles (which may be lower, or no offer) after you apply and before you accept. Amex: "You may not be eligible to receive a welcome offer if you have or have had this Card, the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards." Amex may also decline based on your card history.'
+rules:
+  - id: delta
+    match: { merchants: [delta, delta-vacations, delta-stays] }
+    rate: 3
+    note: Charged directly with Delta as merchant of record (delta.com, the Fly Delta app, phone, ticket counters), including Basic Economy fares, upgrades, seats, Sky Club membership, Delta-operated in-flight food and drinks, Delta Vacations packages and new Delta Stays bookings. Not Delta gift cards, deltashop.com, the Delta Flight Museum or in-flight Wi-Fi.
+  - id: hotels
+    match: { categories: [travel.hotels] }
+    rate: 3
+    note: Worldwide, paid directly to the hotel, including paying at check-in or check-out for a stay reserved through a third party. Not hotels prepaid through an online travel agency or in a vacation package. Shops, spas and restaurants inside a hotel don't count unless charged to the room and paid at checkout.
+  - id: restaurants
+    match: { categories: [dining] }
+    exclude: { merchants: [dodger-stadium, bellagio], mccs: [5813] }
+    rate: 2
+    note: Worldwide, including takeout; third-party delivery counts only in the U.S. Not at restaurants inside hotels, casinos or event venues, or at bars, nightclubs, cafeterias and convenience stores.
+  - id: us-supermarkets
+    match: { categories: [grocery.supermarket] }
+    exclude: { categories: [superstore, warehouse_club, convenience_store] }
+    rate: 2
+    geography: us_only
+    note: Superstores, convenience stores, warehouse clubs and meal-kit delivery services are not supermarkets.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: '1x Mile on eligible purchases: Basic Card Members will earn 1 mile for each dollar'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: '3x Miles on Delta Purchases: Basic Card Members will earn 2 additional miles'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'charged directly with Delta where Delta is the merchant of record'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'Delta Purchases do not include Delta Gift Cards and purchases made at deltashop.com'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'Delta Purchases include Delta Vacations® packages but not other all-inclusive packages.'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'Delta Purchases include new Delta Stays prepaid hotel or vacation rental bookings'
+  - rule: hotels
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: '3x Miles at Hotels: Basic Card Members will earn 2 additional miles'
+  - rule: hotels
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'Card Account charged directly with hotels worldwide.'
+  - rule: hotels
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'will not earn additional miles if the hotel is prepaid with a third party'
+  - rule: restaurants
+    url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-platinum-american-express-card/
+    quote: 'At restaurants, including takeout and delivery in the U.S.'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: '2x Miles at Restaurants: Basic Card Members will earn 1 additional mile'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'Card Account charged at restaurants worldwide.'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'will not earn additional miles for purchases at bars, nightclubs, cafeterias, and convenience stores'
+  - rule: restaurants
+    url: https://www.americanexpress.com/us/content/rewards-info/retail.html
+    quote: 'fast food restaurants are included in the global restaurants rewards category'
+  - rule: us-supermarkets
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: '2x Miles at U.S. Supermarkets: Basic Card Members will earn 1 additional mile'
+  - rule: us-supermarkets
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'warehouse clubs, and meal-kit delivery services are not considered supermarkets'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-platinum-american-express-card/
+    quote: 'The annual fee for the Delta SkyMiles® Platinum American Express Card is $350.'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'Annual Fee $350 Transaction Fees'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'As High As 90,000 Bonus Miles + Earn $300 Statement Credit'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-platinum-american-express-card/
+    quote: 'after you spend $4,000 in purchases on your new Card within the first 6 months'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'Offer ends 11/04/2026 at 23:59 MST.'
+  - rule: not_with
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'if you have or have had this Card, the Delta SkyMiles® Reserve American Express Card'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+todo:
+  - The welcome offer's $300 statement credit (same $4,000 spend as the miles) isn't counted, since an offer is either miles or dollars.
+  - The welcome offer ends 11/04/2026; re-check the card page for the next one.
+  - MQD Boost ($1 Medallion Qualification Dollar per $20 of purchases each calendar year) can't be expressed, since it's a second per-dollar currency, not miles and not a one-time spend total.
+  - Not tied to spending, so not modeled as milestones the $2,500 MQD Headstart each Medallion Qualification Year and the Companion Certificate each year after renewal.
+  - Not modeled (statement credits and perks, not miles per dollar) the $150 Delta Stays credit, the $120 rideshare credit and $120 Resy credit (enrollment required), 20% back on Delta in-flight food and drinks, and TakeOff 15 (15% off Delta award flights).

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

@@ -0,0 +1,82 @@
+id: amex-delta-skymiles-reserve
+name: Delta SkyMiles Reserve American Express Card
+short_name: Delta SkyMiles Reserve
+color: '#2b2d33'
+issuer: amex
+network: amex
+currency: delta-skymiles
+last_verified: 2026-11-03
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-reserve-american-express-card/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+base_rate: 1
+annual_fee: 650
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 50000
+  spend: 10000
+  months: 6
+  valid_to: 2026-11-04
+  note: 'Plus two Delta Comfort Flight Certificates after the same $10,000 in purchases: each is one round trip from the U.S. to the lower 48, Puerto Rico or the U.S. Virgin Islands, booked at least 21 days ahead, with up to $80 in taxes and fees, flown by January 15, 2028. Amex: "You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card." Amex may also decline based on your card history.'
+rules:
+  - id: delta
+    match: { merchants: [delta, delta-vacations, delta-stays] }
+    rate: 3
+    note: Charged directly with Delta as merchant of record (delta.com, the Fly Delta app, phone, ticket counters), including Basic Economy fares, upgrades, seats, Sky Club membership, Delta-operated in-flight food and drinks, Delta Vacations packages and new Delta Stays bookings. Not Delta gift cards, deltashop.com, the Delta Flight Museum or in-flight Wi-Fi.
+milestones:
+  - id: unlimited-sky-club-75k
+    spend: 75000
+    period: calendar_year
+    rewards:
+      - Unlimited Delta Sky Club access
+    note: Replaces the 15 yearly Visits for the Basic and Additional Reserve Card Members, for the rest of that calendar year, all of the next and through January 31 after it. Usually within a week of reaching the total, up to 12 weeks. Gift cards, prepaid cards and cash equivalents don't count.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: '1x Mile on eligible purchases: Basic Card Members will earn 1 mile for each dollar'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: '3x Miles on Delta Purchases: Basic Card Members will earn 2 additional miles'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'charged directly with Delta where Delta is the merchant of record'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'Delta Purchases do not include Delta Gift Cards and purchases made at deltashop.com'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'Delta Purchases include Delta Vacations® packages but not other all-inclusive packages.'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'Delta Purchases include new Delta Stays prepaid hotel or vacation rental bookings'
+  - rule: unlimited-sky-club-75k
+    url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-reserve-american-express-card/
+    quote: 'unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card during a calendar year'
+  - rule: unlimited-sky-club-75k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'must equal or exceed $75,000 (the "Purchase Requirement") in each calendar year'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'The annual fee for the Delta SkyMiles® Reserve American Express Card is $650.'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'Earn 50,000 Bonus Miles + 2 Delta Comfort Flight Certificates'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'after you make $10,000 or more (the "Threshold Amount") in eligible purchases'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'within your first 6 months of Card Membership'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'Offer ends 11/04/2026 at 23:59 MST.'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+todo:
+  - The welcome offer's two Delta Comfort Flight Certificates aren't valued.
+  - The welcome offer ends 11/04/2026; re-check the card page for the next one.
+  - MQD Boost ($1 Medallion Qualification Dollar per $10 of purchases each calendar year) can't be expressed, since it's a second per-dollar currency, not miles and not a one-time spend total.
+  - Not tied to spending, so not modeled as milestones the $2,500 MQD Headstart each Medallion Qualification Year and the Companion Certificate each year after renewal.
+  - Not modeled (statement credits and perks, not miles per dollar) the $200 Delta Stays credit, the $240 Resy credit and $120 rideshare credit (enrollment required), 15 Sky Club Visits and 4 guest passes a year, Centurion Lounge access, 20% back on Delta in-flight food and drinks, and TakeOff 15 (15% off Delta award flights).

package/data/cards/amex-gold.yaml

@@ -1,5 +1,6 @@
 id: amex-gold
 name: American Express Gold Card
+color: '#d4af6a'
 issuer: amex
 network: amex
 currency: MR