earnrate 0.2.10 → 0.2.12

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

@@ -0,0 +1,142 @@
+id: amex-hilton-honors-aspire
+name: Hilton Honors American Express Aspire Card
+short_name: Hilton Honors Aspire
+color: '#22283a'
+issuer: amex
+network: amex
+currency: hilton-honors
+last_verified: 2026-11-03
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/card/hilton-honors-aspire/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+  - https://www.americanexpress.com/us/content/rewards-info/retail.html
+  - https://www.americanexpress.com/us/content/rewards-info/travel.html
+base_rate: 3
+annual_fee: 550
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 200000
+  spend: 6000
+  months: 6
+  valid_to: 2027-01-13
+  note: 'Amex: "You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of these Cards," and may also decline based on your history with balance transfers, as a Card Member, and the number of cards you have opened and closed. Offers may vary between advertisements.'
+rules:
+  - id: hilton-purchases
+    match: { merchants: [hilton] }
+    rate: 14
+    note: Charged directly with a hotel or resort in the Hilton portfolio. Bookings count only through a Hilton-operated reservation channel, not online travel sites; incidentals (hotel restaurants, spas) count when charged to the room and paid with the card at checkout.
+  - id: us-restaurants
+    match: { categories: [dining] }
+    exclude: { merchants: [dodger-stadium, bellagio], mccs: [5813] }
+    rate: 7
+    geography: us_only
+    note: U.S. restaurants, including takeout and delivery. Not restaurants abroad (even U.S.-owned chains), nightclubs or bars, and possibly not restaurants inside hotels, casinos or event venues.
+  - id: flights
+    match: { categories: [travel.flights] }
+    rate: 7
+    note: Scheduled flights charged directly with the airline or through Amex Travel. Charter and private jet flights are excluded.
+  - id: flights-amex-travel
+    match: { merchants: [amex-travel-flights] }
+    rate: 7
+  - id: select-car-rentals
+    match:
+      merchants:
+        [
+          alamo,
+          avis,
+          budget,
+          dollar-car-rental,
+          enterprise,
+          ez-rent-a-car,
+          fox-rent-a-car,
+          hertz,
+          national-car-rental,
+          payless-car-rental,
+          sixt,
+          thrifty,
+        ]
+    rate: 7
+    note: Bought directly from one of Amex's select major car rental companies, at U.S. or international locations. Not through a third party such as an online travel agency, and not as part of a vacation package.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'You will receive 3 Hilton Honors Bonus Points for each dollar of eligible purchases.'
+  - rule: hilton-purchases
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'for a total of 14, for each dollar of eligible purchases charged directly with a property within the Hilton portfolio'
+  - rule: hilton-purchases
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'the booking must be made directly through a reservation channel operated by Hilton'
+  - rule: us-restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'for a total of 7, for each dollar of eligible purchases at the following categories of merchants'
+  - rule: us-restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'You will NOT get additional Points for purchases made at a restaurant owned by a U.S. company'
+  - rule: us-restaurants
+    url: https://www.americanexpress.com/us/content/rewards-info/retail.html
+    quote: 'You will NOT earn additional rewards at bars, nightclubs, convenience stores, supermarkets'
+  - rule: us-restaurants
+    url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors-aspire/
+    quote: 'At U.S. restaurants, including takeout and delivery.'
+  - rule: flights
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'airfare on a scheduled flight charged directly with passenger airlines'
+  - rule: flights
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: '(charter flights and private jet flights are excluded)'
+  - rule: flights-amex-travel
+    url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors-aspire/
+    quote: 'Including flights booked directly with airlines or AmexTravel.com'
+  - rule: select-car-rentals
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'purchases directly from select major car rental companies listed at americanexpress.com/rewards-info'
+  - rule: select-car-rentals
+    url: https://www.americanexpress.com/us/content/rewards-info/travel.html
+    quote: 'Car rental companies included are Alamo, Avis, Budget, Dollar, Enterprise, E-Z, Fox, Hertz, National, Payless, Sixt and Thrifty.'
+  - rule: select-car-rentals
+    url: https://www.americanexpress.com/us/content/rewards-info/travel.html
+    quote: 'whether you rent a car from a US or international location.'
+  - rule: select-car-rentals
+    url: https://www.americanexpress.com/us/content/rewards-info/travel.html
+    quote: 'vacation package or purchased through a third party, such as an online travel agent.'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors-aspire/
+    quote: 'The annual fee for the Hilton Honors American Express Aspire Card is $550.'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors-aspire/
+    quote: 'Best Hilton Points Offer Yet: Earn 200,000 Hilton Honors Bonus Points'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'after you spend $6,000 (the "Threshold Amount") on eligible purchases on your Card in your first 6 months'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'Offer ends 01/13/2027 at 11:59 PM MST.'
+  - rule: spend-30k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'Account reach $30,000 or more in a calendar year.'
+  - rule: spend-60k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'totaling $60,000 or more in cumulative purchases in that calendar year.'
+milestones:
+  - id: spend-30k
+    spend: 30000
+    period: calendar_year
+    rewards:
+      - Free Night Reward
+    note: Basic Card Member only, though Additional Card purchases count. A standard room for one night, expiring a year after it is issued. Amex says 8-12 weeks to arrive by email.
+  - id: spend-60k
+    spend: 60000
+    period: calendar_year
+    rewards:
+      - A second Free Night Reward
+    note: Another $30,000 on top of the first, $60,000 in the calendar year in all.
+todo:
+  - The Annual Free Night Reward (one each year of Card Membership, no spending needed) isn't modeled.
+  - "Statement credits aren't modeled: the $400 Hilton Resort credit (up to $200 each half year at participating Hilton Resorts), the $200 flight credit (up to $50 each quarter), and the $219 CLEAR+ credit."
+  - The $100 property credit on two-night Waldorf Astoria and Conrad stays booked through the Aspire card site or phone line is an on-property credit, not modeled.
+  - Complimentary Hilton Honors Diamond status and National Car Rental Emerald Club Executive status aren't modeled.

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

@@ -0,0 +1,93 @@
+id: amex-hilton-honors-business
+name: Hilton Honors American Express Business Card
+short_name: Hilton Honors Business
+color: '#2b3340'
+issuer: amex
+network: amex
+currency: hilton-honors
+business: true
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/hilton-honors/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+base_rate: 3
+annual_fee: 195
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 150000
+  spend: 8000
+  months: 6
+  valid_to: 2027-01-13
+  note: 'Plus one Free Night Reward, which earnrate does not value. Amex: "You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card," and may also decline based on your history with balance transfers, as a Card Member, and the number of cards you have opened and closed. Offers may vary between advertisements.'
+rules:
+  - id: hilton-purchases
+    match: { merchants: [hilton] }
+    rate: 12
+    note: Lodging booked directly through a Hilton-operated reservation channel, and purchases at a Hilton hotel (its restaurants, spas and other on-site places) charged to the room and paid with the card at checkout. Not bookings through online travel sites or other third parties.
+  - id: everyday-purchases
+    match: { any: true }
+    exclude: { merchants: [hilton] }
+    rate: 5
+    cap: { amount: 100000, period: calendar_year, then_rate: 3 }
+    note: Every eligible purchase that isn't a Hilton purchase, on the first $100,000 a calendar year; 3x after that.
+milestones:
+  - id: spend-40k
+    spend: 40000
+    period: calendar_year
+    rewards:
+      - Hilton Honors Diamond status
+    note: Basic Card Member only, though Additional Card purchases count. Calendar year regardless of when the account opened. Diamond lasts through the end of the next calendar year.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'You will receive 3 Hilton Honors Bonus Points for each dollar of eligible purchases'
+  - rule: hilton-purchases
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/hilton-honors/
+    quote: 'per dollar for eligible purchases made directly with hotels and resorts within the Hilton portfolio.'
+  - rule: hilton-purchases
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'You will receive 9 additional Hilton Honors Bonus Points (for a total of 12)'
+  - rule: hilton-purchases
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'lodging bookings made directly through a reservation channel operated by Hilton'
+  - rule: hilton-purchases
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'such as an online travel website, will not be eligible for Points.'
+  - rule: everyday-purchases
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/hilton-honors/
+    quote: 'on the first $100K in eligible purchases per calendar year, 3X Points thereafter.'
+  - rule: everyday-purchases
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'You will receive 2 additional Hilton Honors Bonus Points (for a total of 5 points)'
+  - rule: everyday-purchases
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'Business Card that are not Hilton Purchases.'
+  - rule: spend-40k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'You may receive an upgrade to Hilton Honors Diamond status if the total eligible purchases'
+  - rule: spend-40k
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/hilton-honors/
+    quote: 'Spend $40,000 on eligible purchases on your Card in a calendar year'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/hilton-honors/
+    quote: 'Annual Fee: $195'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'Annual Fee $195 Transaction Fees'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/hilton-honors/
+    quote: 'Earn 150,000 Hilton Honors Bonus Points and a Free Night Reward'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'after you spend $8,000 (the "Threshold Amount") on eligible purchases on your Card in your first 6 months'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'Offer ends 01/13/2027 at 11:59 PM MST.'
+todo:
+  - The $240 Hilton credit (up to $60 in statement credits each calendar quarter on purchases made directly with a Hilton property) isn't modeled.
+  - Complimentary Hilton Honors Gold status and National Car Rental Emerald Club Executive status (with enrollment) aren't modeled.
+  - The welcome offer's Free Night Reward isn't valued; a welcome offer holds only points.

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

@@ -0,0 +1,153 @@
+id: amex-hilton-honors-surpass
+name: Hilton Honors American Express Surpass Card
+short_name: Hilton Honors Surpass
+color: '#9aa3ad'
+issuer: amex
+network: amex
+currency: hilton-honors
+last_verified: 2026-11-03
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/card/hilton-honors-surpass/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+  - https://www.americanexpress.com/us/content/rewards-info/retail.html
+base_rate: 3
+annual_fee: 150
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 130000
+  spend: 3000
+  months: 6
+  valid_to: 2027-01-13
+  note: 'Plus one Free Night Reward (a standard room, expiring 12 months after it is issued), which earnrate does not value. Amex: "You may not be eligible to receive a welcome offer if you have or have had this Card, the Hilton Honors Amex Ascend Card or previous versions of these Cards," and may also decline based on your history with balance transfers, as a Card Member, and the number of cards you have opened and closed. Offers may vary between advertisements.'
+rules:
+  - id: hilton-purchases
+    match: { merchants: [hilton] }
+    rate: 12
+    note: Charged directly with a hotel or resort in the Hilton portfolio. Bookings count only through a Hilton-operated reservation channel, not online travel sites; incidentals (hotel restaurants, spas) count when charged to the room and paid with the card at checkout.
+  - id: us-restaurants
+    match: { categories: [dining] }
+    exclude: { merchants: [dodger-stadium, bellagio], mccs: [5813] }
+    rate: 6
+    geography: us_only
+    note: U.S. restaurants, including takeout and delivery. Not restaurants abroad (even U.S.-owned chains), nightclubs or bars, and possibly not restaurants inside hotels, casinos or event venues.
+  - id: us-supermarkets
+    match: { categories: [grocery.supermarket] }
+    exclude: { categories: [superstore, warehouse_club, convenience_store] }
+    rate: 6
+    geography: us_only
+    note: Not superstores or warehouse clubs.
+  - id: us-gas
+    match: { categories: [gas] }
+    exclude: { categories: [gas.grocery_store, gas.superstore] }
+    rate: 6
+    geography: us_only
+    note: U.S. gas stations; not gas at superstores or warehouse clubs.
+  - id: us-online-retail
+    match:
+      categories:
+        [
+          online_retail,
+          superstore,
+          drugstore,
+          department_store,
+          clothing,
+          electronics,
+          sporting_goods,
+          home_improvement,
+          furniture,
+        ]
+    rate: 4
+    channel: online
+    geography: us_only
+    note: U.S. merchants selling physical goods, paid on their own website or app. Not restaurants, supermarkets, gas, car dealers, travel, entertainment or services. Online marketplaces with multiple retailers and third-party payment accounts don't count, nor do orders paid in store, in-store mobile wallet, phone or mail orders, or buy-now-pay-later. Amex's rewards-info page names Amazon.com and Walmart.com as online retailers, but these terms also exclude online marketplaces with multiple retailers, so Amazon Marketplace sellers may not earn 4x.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'You will receive 3 Hilton Honors Bonus Points for each dollar of eligible purchases.'
+  - rule: hilton-purchases
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'for a total of 12, for each dollar of eligible purchases charged directly with a property within the Hilton portfolio'
+  - rule: hilton-purchases
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'the booking must be made directly through a reservation channel operated by Hilton'
+  - rule: us-restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'for a total of 6, for each dollar of eligible purchases at the following categories of merchants'
+  - rule: us-restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'excluding superstores and warehouse clubs: restaurants located in the U.S., supermarkets located in the U.S.'
+  - rule: us-restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'You will NOT get additional Points for purchases made at a restaurant owned by a U.S. company'
+  - rule: us-restaurants
+    url: https://www.americanexpress.com/us/content/rewards-info/retail.html
+    quote: 'You will NOT earn additional rewards at bars, nightclubs, convenience stores, supermarkets'
+  - rule: us-restaurants
+    url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors-surpass/
+    quote: 'At U.S. restaurants, including takeout and delivery.'
+  - rule: us-supermarkets
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'supermarkets located in the U.S. and on gasoline at gas stations located in the U.S.'
+  - rule: us-gas
+    url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors-surpass/
+    quote: 'Earn 6X Hilton Honors Bonus Points at U.S. restaurants, U.S. gas stations, and U.S. supermarkets.'
+  - rule: us-gas
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'excluding superstores and warehouse clubs'
+  - rule: us-online-retail
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'for a total of 4, for each dollar of eligible online retail purchases'
+  - rule: us-online-retail
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'from a U.S. retail merchant that sells physical goods or merchandise directly to consumers'
+  - rule: us-online-retail
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'Purchases made through a third-party payment account or on an online marketplace (with multiple retailers)'
+  - rule: us-online-retail
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'You will not receive additional Hilton Honors Bonus Points for purchases made online but paid for in store.'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'Annual Fee $150 Transaction Fees'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors-surpass/
+    quote: 'Earn 130,000 Hilton Honors Bonus Points + A Free Night Reward'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'after you spend $3,000 (the "Threshold Amount") on eligible purchases on your Card in your first 6 months'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'Offer ends 01/13/2027 at 23:59 MST.'
+  - rule: spend-15k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'account reach $15,000 in a calendar year.'
+  - rule: spend-15k
+    url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors-surpass/
+    quote: 'Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases'
+  - rule: spend-40k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'You may receive an upgrade to Hilton Honors Diamond status if the total eligible purchases'
+  - rule: spend-40k
+    url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors-surpass/
+    quote: 'after you spend $40,000 in eligible purchases on your Card in a calendar year.'
+milestones:
+  - id: spend-15k
+    spend: 15000
+    period: calendar_year
+    rewards:
+      - Free Night Reward
+    note: Basic Card Member only, though Additional Card purchases count. A standard room for one night, expiring a year after it is issued. Amex says 8-12 weeks to arrive by email.
+  - id: spend-40k
+    spend: 40000
+    period: calendar_year
+    rewards:
+      - Hilton Honors Diamond status
+    note: Basic Card Member only, though Additional Card purchases count. Calendar year regardless of when the account opened. Diamond lasts through the end of the next calendar year.
+todo:
+  - The $200 Hilton credit (up to $50 in statement credits each calendar quarter on purchases made directly with a Hilton property) isn't modeled.
+  - Complimentary Hilton Honors Gold status and National Car Rental Emerald Club Executive status (with enrollment) aren't modeled.
+  - The welcome offer's Free Night Reward isn't valued; a welcome offer holds only points.

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

@@ -0,0 +1,119 @@
+id: amex-hilton-honors
+name: Hilton Honors American Express Card
+short_name: Amex Hilton Honors
+color: '#6d8fb3'
+issuer: amex
+network: amex
+currency: hilton-honors
+last_verified: 2026-11-03
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/card/hilton-honors/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-credit-card/25330-10-0#offer-terms
+  - https://www.americanexpress.com/us/content/rewards-info/retail.html
+base_rate: 3
+annual_fee: 0
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 70000
+  spend: 2000
+  months: 6
+  valid_to: 2027-01-13
+  note: 'Plus one Free Night Reward (a standard room, expiring 12 months after it is issued), which earnrate does not value. Amex: "You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of these Cards," and may also decline based on your history with balance transfers, as a Card Member, and the number of cards you have opened and closed. Offers may vary between advertisements.'
+rules:
+  - id: hilton-purchases
+    match: { merchants: [hilton] }
+    rate: 7
+    note: Charged directly with a hotel or resort in the Hilton portfolio. Bookings count only through a Hilton-operated reservation channel, not online travel sites; incidentals (hotel restaurants, spas) count when charged to the room and paid with the card at checkout.
+  - id: us-restaurants
+    match: { categories: [dining] }
+    exclude: { merchants: [dodger-stadium, bellagio], mccs: [5813] }
+    rate: 5
+    geography: us_only
+    note: U.S. restaurants, including takeout and delivery. Not restaurants abroad (even U.S.-owned chains), nightclubs or bars, and possibly not restaurants inside hotels, casinos or event venues.
+  - id: us-supermarkets
+    match: { categories: [grocery.supermarket] }
+    exclude: { categories: [superstore, warehouse_club, convenience_store] }
+    rate: 5
+    geography: us_only
+    note: Groceries at superstores, warehouse clubs and convenience stores, and meal-kit delivery services, earn the 3x base rate.
+  - id: us-gas
+    match: { categories: [gas] }
+    exclude: { categories: [gas.grocery_store, gas.superstore] }
+    rate: 5
+    geography: us_only
+    note: Gas at supermarkets, superstores and warehouse clubs earns the 3x base rate.
+milestones:
+  - id: spend-20k
+    spend: 20000
+    period: calendar_year
+    rewards:
+      - Hilton Honors Gold status
+    note: Basic Card Member only, though Additional Card purchases count. Calendar year regardless of when the account opened. Gold lasts through the end of the next calendar year. Amex says about 10-12 weeks to take effect.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-credit-card/25330-10-0#offer-terms
+    quote: 'You will receive 3 Hilton Honors Bonus Points for each dollar of eligible purchases.'
+  - rule: hilton-purchases
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-credit-card/25330-10-0#offer-terms
+    quote: 'for a total of 7, for each dollar of eligible purchases charged directly with a property within the Hilton portfolio'
+  - rule: hilton-purchases
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-credit-card/25330-10-0#offer-terms
+    quote: 'the booking must be made directly through a reservation channel operated by Hilton'
+  - rule: hilton-purchases
+    url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors/
+    quote: 'Earn 7X Hilton Honors Bonus Points on eligible Hilton purchases'
+  - rule: us-restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-credit-card/25330-10-0#offer-terms
+    quote: 'for a total of 5, for each dollar of eligible purchases at the following categories of merchants'
+  - rule: us-restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-credit-card/25330-10-0#offer-terms
+    quote: 'restaurants located in the U.S., supermarkets located in the U.S.'
+  - rule: us-restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-credit-card/25330-10-0#offer-terms
+    quote: 'You will NOT get additional Points for purchases made at a restaurant owned by a U.S. company'
+  - rule: us-restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-credit-card/25330-10-0#offer-terms
+    quote: 'a restaurant located within another establishment (e.g. a restaurant inside a hotel, casino, or event venue)'
+  - rule: us-restaurants
+    url: https://www.americanexpress.com/us/content/rewards-info/retail.html
+    quote: 'You will NOT earn additional rewards at bars, nightclubs, convenience stores, supermarkets'
+  - rule: us-restaurants
+    url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors/
+    quote: 'At U.S. restaurants, including takeout and delivery.'
+  - rule: us-supermarkets
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-credit-card/25330-10-0#offer-terms
+    quote: 'supermarkets located in the U.S. and on gasoline at gas stations located in the U.S.'
+  - rule: us-supermarkets
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-credit-card/25330-10-0#offer-terms
+    quote: 'purchases of groceries made at superstores, warehouse clubs, and convenience stores'
+  - rule: us-gas
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-credit-card/25330-10-0#offer-terms
+    quote: 'Purchases of gasoline at supermarkets, superstores, and warehouse clubs will only get 3 Bonus Points per dollar.'
+  - rule: us-gas
+    url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors/
+    quote: 'Earn 5X Hilton Honors Bonus Points at U.S. restaurants, U.S. gas stations, and U.S. supermarkets'
+  - rule: spend-20k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-credit-card/25330-10-0#offer-terms
+    quote: 'You may receive an upgrade to Hilton Honors Gold status if the total eligible purchases'
+  - rule: spend-20k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-credit-card/25330-10-0#offer-terms
+    quote: 'during a calendar year reach $20,000 or more.'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors/
+    quote: 'There is no annual fee for the Hilton Honors American Express Card.'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-credit-card/25330-10-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors/
+    quote: 'Earn 70,000 Hilton Honors Bonus Points + A Free Night Reward'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-credit-card/25330-10-0#offer-terms
+    quote: 'after you spend $2,000 (the "Threshold Amount") on eligible purchases on your Card in your first 6 months'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-credit-card/25330-10-0#offer-terms
+    quote: 'Offer ends 01/13/2027 at 11:59 PM MST.'
+todo:
+  - Complimentary Hilton Honors Silver status (automatic with the card) isn't modeled.
+  - The welcome offer's Free Night Reward isn't valued; a welcome offer holds only points.

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

@@ -0,0 +1,118 @@
+id: amex-marriott-bonvoy-bevy
+name: Marriott Bonvoy Bevy American Express Card
+short_name: Marriott Bonvoy Bevy
+color: '#6e6259'
+issuer: amex
+network: amex
+currency: marriott-bonvoy
+last_verified: 2026-11-03
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-bevy/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+base_rate: 2
+annual_fee: 250
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 85000
+  spend: 5000
+  months: 6
+  not_with:
+    [
+      amex-marriott-bonvoy-brilliant,
+      chase-marriott-bonvoy-boundless,
+      chase-marriott-bonvoy-bold,
+    ]
+  note: 'No end date given. Not available if you have or have had this Card, the Marriott Bonvoy Brilliant Card or previous versions; Amex may also decline based on your card history. Also not available to anyone who had a Ritz-Carlton card from J.P. Morgan or a Marriott card from Chase (including Bountiful, Boundless and Bold) in the last 30 days, opened Bountiful, Boundless or Bold in the last 90 days, or got a new cardmember or upgrade bonus on one of those in the last 24 months.'
+caps:
+  - {
+      id: dining-and-supermarkets,
+      amount: 15000,
+      period: calendar_year,
+      then_rate: 2,
+    }
+rules:
+  - id: marriott-hotels
+    match: { merchants: [marriott] }
+    rate: 6
+    note: Charged directly with participating Marriott Bonvoy hotels, standalone Marriott retail stores and Marriott online stores (including Marriott gift cards online). Marriott's own member and elite points for stays aren't card earnings.
+  - id: restaurants
+    match: { categories: [dining] }
+    rate: 4
+    cap: dining-and-supermarkets
+    note: Restaurants worldwide, including takeout and delivery in the U.S., on the first $15,000 a calendar year combined with U.S. supermarkets. Not nightclubs or convenience stores; a restaurant inside a hotel, casino or event venue may code as that place instead.
+  - id: us-supermarkets
+    match: { categories: [grocery.supermarket] }
+    exclude: { categories: [superstore, warehouse_club, convenience_store] }
+    rate: 4
+    geography: us_only
+    cap: dining-and-supermarkets
+    note: On the first $15,000 a calendar year combined with restaurants. Superstores, convenience stores, warehouse clubs and meal-kit delivery services are not supermarkets.
+milestones:
+  - id: free-night-15k
+    spend: 15000
+    period: calendar_year
+    rewards:
+      - Free Night Award (up to 50,000 points a night)
+    note: One a calendar year. Deposited 8-12 weeks after you reach the total; it expires a year after it's issued. Basic Card Member only.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'You will receive 2 Marriott Bonvoy® points for each U.S. dollar of eligible purchases charged'
+  - rule: base_rate
+    url: https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-bevy/
+    quote: '2X points on all other eligible purchases.'
+  - rule: marriott-hotels
+    url: https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-bevy/
+    quote: '6X points at hotels participating in Marriott Bonvoy®'
+  - rule: marriott-hotels
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'when charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments'
+  - rule: restaurants
+    url: https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-bevy/
+    quote: '4X points at restaurants worldwide including takeout and delivery in the U.S. and U.S. Supermarkets'
+  - rule: restaurants
+    url: https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-bevy/
+    quote: 'on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'You will NOT earn 2 additional points for purchases at nightclubs or convenience stores.'
+  - rule: us-supermarkets
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'for each dollar of eligible purchases charged at supermarkets located in the United States'
+  - rule: us-supermarkets
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets'
+  - rule: us-supermarkets
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'Once you reach $15,000 in combined purchases at restaurants worldwide and U.S.'
+  - rule: free-night-15k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'your total eligible purchases on your Marriott Bonvoy Bevy® American Express® Card reach $15,000'
+  - rule: free-night-15k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'Limit one Free Night Award per calendar year.'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-bevy/
+    quote: 'Annual Fee: $250'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'Annual Fee $250 Transaction Fees'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-bevy/
+    quote: 'Earn 85,000 Marriott Bonvoy® Bonus Points'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'eligible purchases on your Marriott Bonvoy Bevy® American Express® Card within your first 6 months of Card Membership'
+  - rule: not_with
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'if you have or have had this Card, the Marriott Bonvoy Brilliant® American Express® Card'
+  - rule: not_with
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-bevy-card/25330-10-0#offer-terms
+    quote: 'the Marriott Bonvoy Bold® Credit Card from Chase, the Marriott Bonvoy® Premier Plus Business Credit Card'
+todo:
+  - 1,000 bonus points per paid eligible stay booked directly with Marriott is per stay, not per dollar, so it isn't modeled.
+  - Complimentary Gold Elite status and 15 Elite Night Credits each calendar year aren't modeled; they don't depend on spending.