earnrate 0.2.10 → 0.2.12

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

@@ -0,0 +1,93 @@
+id: amex-marriott-bonvoy-brilliant
+name: Marriott Bonvoy Brilliant American Express Card
+short_name: Bonvoy Brilliant
+color: '#2a2a2e'
+issuer: amex
+network: amex
+currency: marriott-bonvoy
+last_verified: 2026-11-03
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-brilliant/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+base_rate: 2
+annual_fee: 650
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 100000
+  spend: 6000
+  months: 6
+  note: 'No end date given. Not available if you have or have had this Card, the Starwood Preferred Guest American Express Luxury Card or previous versions; Amex may also decline based on your card history. Also not available to anyone who had a Ritz-Carlton card from J.P. Morgan in the last 30 days, opened the Marriott Bonvoy Bountiful, Boundless or Bold card from Chase in the last 90 days, or got a new cardmember or upgrade bonus on one of those Chase cards in the last 24 months.'
+rules:
+  - id: marriott-hotels
+    match: { merchants: [marriott] }
+    rate: 6
+    note: Charged directly with participating Marriott Bonvoy hotels, standalone Marriott retail stores and Marriott online stores (including Marriott gift cards online). Marriott's own member and elite points for stays aren't card earnings.
+  - id: restaurants
+    match: { categories: [dining] }
+    rate: 3
+    note: Restaurants worldwide. Not nightclubs, convenience stores, grocery stores or supermarkets; a restaurant inside a hotel, casino or event venue may code as that place instead.
+  - id: flights
+    match: { categories: [travel.flights] }
+    rate: 3
+    note: Scheduled flights charged directly with the airline. Charter and private jet flights are excluded.
+milestones:
+  - id: earned-choice-60k
+    spend: 60000
+    period: calendar_year
+    rewards:
+      - 'Brilliant Earned Choice Award: pick five Nightly Upgrade Awards, a Free Night Award (up to 85,000 points) or 50,000 Bonvoy points'
+    note: One a calendar year, picked at choice-benefit.marriott.com/brilliant by February 1 of the next year, or it defaults to the Nightly Upgrade Awards. Basic Card Member only.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: 'You will receive 2 Marriott Bonvoy® points for each U.S. dollar of eligible purchases charged'
+  - rule: base_rate
+    url: https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-brilliant/
+    quote: 'Spent on other eligible purchases.'
+  - rule: marriott-hotels
+    url: https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-brilliant/
+    quote: '6X points at hotels participating in Marriott Bonvoy®'
+  - rule: marriott-hotels
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: 'when charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: '1 additional point (for a total of 3 points) for each dollar charged at restaurants worldwide'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: 'You will NOT earn 1 additional point for purchases at nightclubs, convenience stores, grocery stores or supermarkets.'
+  - rule: flights
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: 'for airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded)'
+  - rule: flights
+    url: https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-brilliant/
+    quote: '3X points at restaurants worldwide & on flights booked directly with airlines'
+  - rule: earned-choice-60k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: 'your total eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card reach or exceed $60,000'
+  - rule: earned-choice-60k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: 'Free Night Award with a redemption value up to 85K points• One-time deposit of 50K Marriott Bonvoy points'
+  - rule: earned-choice-60k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: 'only one Brilliant Earned Choice Award may be earned each calendar year per Card Account'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-brilliant/
+    quote: 'Annual Fee: $650'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: 'Annual Fee $650 Transaction Fees'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/card/marriott-bonvoy-brilliant/
+    quote: 'Earn 100,000 Marriott Bonvoy® Bonus Points'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: 'eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card within your first 6 months of Card Membership'
+todo:
+  - The Brilliant Earned Choice Award can be 50,000 points, but it's a pick among non-point awards too, so the milestone carries no points value.
+  - The $300 Brilliant Dining Credit (up to $25 a month at restaurants worldwide), the $100 property credit on two-night Ritz-Carlton or St. Regis stays, and the yearly Free Night Award (up to 85,000 points) after each renewal month aren't modeled.
+  - Complimentary Platinum Elite status and 25 Elite Night Credits each year aren't modeled; they don't depend on spending.

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

@@ -0,0 +1,116 @@
+id: amex-marriott-bonvoy-business
+name: Marriott Bonvoy Business American Express Card
+short_name: Marriott Bonvoy Business
+color: '#3a3a3e'
+issuer: amex
+network: amex
+currency: marriott-bonvoy
+business: true
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+base_rate: 2
+annual_fee: 125
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 100000
+  spend: 8000
+  months: 6
+  valid_to: 2026-11-04
+  note: 'Plus a Free Night Award (up to 50,000 points), 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 the Starwood Preferred Guest® Business Credit Card from American Express or previous versions of these Cards," and may also decline based on your card history. Also not available to anyone who had a Marriott business card from Chase in the last 30 days, opened the Marriott Bonvoy Bountiful, Boundless or Bold card from Chase in the last 90 days, or got a new Card Member bonus on one of those Chase cards in the last 24 months.'
+rules:
+  - id: marriott-hotels
+    match: { merchants: [marriott] }
+    rate: 6
+    note: Charged directly with participating Marriott Bonvoy hotels, standalone Marriott retail stores and Marriott online stores (including Marriott gift cards online). Marriott's own member and elite points for stays aren't card earnings.
+  - id: restaurants
+    match: { categories: [dining] }
+    rate: 4
+    note: Charged directly at restaurants worldwide; a restaurant inside a hotel, casino or event venue may code as that place instead.
+  - id: us-gas
+    match: { categories: [gas] }
+    rate: 4
+    geography: us_only
+    note: Gasoline at U.S. gas stations.
+  - id: us-wireless
+    match: { categories: [phone] }
+    rate: 4
+    geography: us_only
+    note: Wireless phone service bought directly from a U.S. provider. Not Google Fi.
+  - id: us-shipping
+    match: { categories: [shipping] }
+    rate: 4
+    geography: us_only
+    note: Shipping bought from U.S. merchants.
+milestones:
+  - id: free-night-60k
+    spend: 60000
+    period: calendar_year
+    rewards:
+      - Marriott Bonvoy Free Night Award (up to 35,000 points)
+    note: Basic Card Member only, though Additional Card purchases count. Deposited 8-12 weeks after you reach $60,000; expires a year after it's issued.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'You will receive 2 Marriott Bonvoy® points for each U.S. dollar of eligible purchases'
+  - rule: marriott-hotels
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/
+    quote: 'Per dollar on eligible purchases at hotels participating in Marriott Bonvoy®.'
+  - rule: marriott-hotels
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'You will receive 4 additional points (for a total of 6 points)'
+  - rule: marriott-hotels
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'standalone Marriott branded retail establishments, and Marriott branded online stores'
+  - rule: restaurants
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/
+    quote: 'at restaurants worldwide, at U.S. gas stations, on wireless telephone services'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'You will receive 2 additional points (for a total of 4 points)'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'when charged directly at restaurants worldwide'
+  - rule: us-gas
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'on gasoline at U.S. gas stations'
+  - rule: us-wireless
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'on wireless telephone services purchased directly from U.S. service providers (excludes Google Fi)'
+  - rule: us-shipping
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'on purchases made from merchants in the U.S. for shipping'
+  - rule: us-shipping
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/
+    quote: 'purchased directly from U.S. service providers and on U.S. purchases for shipping.'
+  - rule: free-night-60k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'total eligible purchases on the Marriott Bonvoy Business® American Express® Card reach $60,000'
+  - rule: free-night-60k
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/
+    quote: 'earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year.'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/
+    quote: 'Annual Fee: $125'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'Annual Fee $125 Transaction Fees'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-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/amex-marriott-bonvoy-business-credit-card/
+    quote: 'Earn 100,000 Marriott Bonvoy® Bonus Points and 1 Free Night Award'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'after you spend $8,000 or more (the “Threshold Amount”) in eligible purchases'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'Offer ends 11/4/2026 at 11:59 PM MST.'
+todo:
+  - The welcome offer ends 11/04/2026; re-check the card page for the next one.
+  - The welcome offer's Free Night Award isn't valued; a welcome offer holds only points.
+  - Not modeled (perks, not points per dollar) the yearly Free Night Award after each renewal, 15 Elite Night Credits a year, complimentary Gold Elite status and the 7% Amex Business Card Rate discount.
+  - The terms don't say whether gas at superstores or warehouse clubs counts as a U.S. gas station, so it isn't excluded.

package/data/cards/amex-platinum.yaml

@@ -1,5 +1,6 @@
 id: amex-platinum
 name: The Platinum Card from American Express
+color: '#c7c9cc'
 issuer: amex
 network: amex
 currency: MR
@@ -46,6 +47,14 @@ rules:
     match: { merchants: [amex-travel-cruises] }
     rate: 2
     note: Cruises booked and charged through AmexTravel.com or by phone with Amex Travel. Payments made directly to the cruise line don't count.
+milestones:
+  - id: spend-75k
+    spend: 75000
+    period: calendar_year
+    rewards:
+      - Centurion Lounge guest access for 2 guests
+      - unlimited Delta Sky Club access
+    note: 'Purchases by additional card members count. Both last the rest of that calendar year, all of the next and through the January 31 after. Sky Club visits still need a same-day Delta flight.'
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
@@ -90,3 +99,9 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
     quote: 'Foreign Transaction None Penalty Fees'
+  - rule: spend-75k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'after spending $75,000 or more on eligible purchases on the Platinum Account in a calendar year'
+  - rule: spend-75k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'the total eligible purchases on the Eligible Platinum Card Account must equal or exceed $75,000'

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

@@ -1,5 +1,6 @@
 id: bank-of-america-atmos-rewards-ascent
 name: Atmos Rewards Ascent Visa Signature Credit Card
+color: '#1b3a5c'
 issuer: bank-of-america
 network: visa
 currency: atmos-points
@@ -42,6 +43,13 @@ rules:
     rate: 1.1
     requires: { membership: bank-of-america-account }
     note: The 1x base rate plus the 10% rewards bonus for holding an eligible Bank of America account.
+milestones:
+  - id: spend-6k
+    spend: 6000
+    period: cardmember_year
+    rewards:
+      - a $99 Companion Fare
+    note: 'Spending by the account anniversary counts; the code arrives within 2 billing cycles after it. $99 plus taxes and fees from $23, for a companion on a Saver or Main Cabin fare within North America on Alaska or Hawaiian. Use it within 12 months.'
 evidence:
   - rule: base_rate
     url: https://www.bankofamerica.com/credit-cards/products/alaska-airlines-credit-card/
@@ -82,6 +90,12 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4081060&productoffercode=RS&locale=en_US
     quote: 'Foreign Transaction None Penalty Fee'
+  - rule: spend-6k
+    url: https://www.bankofamerica.com/credit-cards/products/alaska-airlines-credit-card/
+    quote: 'each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year'
+  - rule: spend-6k
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4081060&productoffercode=RS&locale=en_US
+    quote: 'each anniversary after spending $6,000 or more on Net Purchases'
 todo:
   - 20% back on Alaska and Hawaiian inflight purchases is a rebate, not points, and isn't modeled.
   - "BofA's rewards page lists Atmos Rewards cards as not eligible for the BofA Rewards tier bonus (in a popup the source check can't read), so the 10% account bonus stands alone."

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

@@ -1,5 +1,7 @@
 id: bank-of-america-atmos-rewards-business
 name: Atmos Rewards Visa Signature Business Card
+short_name: Atmos Rewards Business
+color: '#2a4a6b'
 issuer: bank-of-america
 network: visa
 currency: atmos-points
@@ -43,6 +45,13 @@ rules:
     rate: 1.1
     requires: { membership: bank-of-america-small-business-account }
     note: The 1x base rate plus the 10% rewards bonus when the company has an eligible Bank of America small business account.
+milestones:
+  - id: spend-6k
+    spend: 6000
+    period: cardmember_year
+    rewards:
+      - a $99 Companion Fare
+    note: 'Spending by the account anniversary counts; the code arrives within 2 billing cycles after it. $99 plus taxes and fees from $23, for a companion on a Saver or Main Cabin fare within North America on Alaska or Hawaiian. Use it within 12 months.'
 evidence:
   - rule: base_rate
     url: https://www.bankofamerica.com/smallbusiness/credit-cards/products/alaska-airlines-business-credit-card/
@@ -86,6 +95,12 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.bankofamerica.com/smallbusiness/credit-cards/terms-and-conditions/?campaignid=4080500&productoffercode=CX&locale=en_US
     quote: 'International Transaction None Penalty Fee'
+  - rule: spend-6k
+    url: https://www.bankofamerica.com/smallbusiness/credit-cards/products/alaska-airlines-business-credit-card/
+    quote: 'every year that you spend at least $6,000 on purchases with your card'
+  - rule: spend-6k
+    url: https://www.bankofamerica.com/smallbusiness/credit-cards/terms-and-conditions/?campaignid=4080500&productoffercode=CX&locale=en_US
+    quote: 'after $6,000 or more in Net Purchases post to the account billing statement during the card anniversary year'
 todo:
   - 'annual_fee is the $70 per-company fee. Each card also costs $25 a year, which the schema has no field for.'
   - "BofA's rewards page lists Atmos Rewards cards as not eligible for the BofA Rewards tier bonus (in a popup the source check can't read), so the 10% account bonus stands alone."

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

@@ -1,5 +1,6 @@
 id: bank-of-america-atmos-rewards-summit
 name: Atmos Rewards Summit Visa Infinite Credit Card
+color: '#1a1f2b'
 issuer: bank-of-america
 network: visa
 currency: atmos-points
@@ -50,6 +51,13 @@ rules:
     rate: 1.1
     requires: { membership: bank-of-america-account }
     note: The 1x base rate plus the 10% rewards bonus for holding an eligible Bank of America account.
+milestones:
+  - id: spend-60k
+    spend: 60000
+    period: cardmember_year
+    rewards:
+      - a 100,000-point Global Companion Award
+    note: "Up to 100,000 points off a companion's award ticket when you book with points; it credits within 1-2 billing cycles and must be used within 12 months. Separate from the 25,000-point award every anniversary."
 evidence:
   - rule: base_rate
     url: https://www.bankofamerica.com/credit-cards/products/alaska-airlines-infinite-credit-card/
@@ -96,5 +104,14 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4081112&productoffercode=S2&locale=en_US
     quote: 'Foreign Transaction None Penalty Fee'
+  - rule: spend-60k
+    url: https://www.bankofamerica.com/credit-cards/products/alaska-airlines-infinite-credit-card/
+    quote: 'receive a 100,000-point Global Companion Award annually after spending $60,000 or more on purchases that year'
+  - rule: spend-60k
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4081112&productoffercode=S2&locale=en_US
+    quote: 'Annual Global 100K Companion Award worth up to 100,000 points after you spend $60,000 or more'
+  - rule: spend-60k
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4081112&productoffercode=S2&locale=en_US
+    quote: 'during your Card anniversary year (every 12 months from the open date anniversary)'
 todo:
   - "BofA's rewards page lists Atmos Rewards cards as not eligible for the BofA Rewards tier bonus (in a popup the source check can't read), so the 10% account bonus stands alone."

package/data/cards/bank-of-america-customized-cash-rewards.yaml

@@ -1,5 +1,7 @@
 id: bank-of-america-customized-cash-rewards
 name: Bank of America Customized Cash Rewards Credit Card
+short_name: BofA Customized Cash
+color: '#c8102e'
 issuer: bank-of-america
 # Bank of America's terms carry only the Visa and Visa Signature trademark
 # notice, so the network is Visa.
@@ -124,6 +126,19 @@ rules:
     rate: 1.75
     requires: { membership: bofa-rewards-premier }
     note: 1% plus the 75% BofA Rewards Premier bonus.
+intro_rates:
+  # An extra 3% on the choice category, inside the same quarterly cap. It's
+  # added to each tier's rate as is: BofA Rewards pays no bonus on it.
+  - id: first-year-choice-bonus
+    days: 365
+    rules:
+      - three-percent
+      - three-percent-bofa-rewards-member
+      - three-percent-bofa-rewards-preferred-plus
+      - three-percent-bofa-rewards-preferred-honors
+      - three-percent-bofa-rewards-premier
+    add: 3
+    note: New accounts opened through this offer only, not converted accounts. Purchases must post within 365 days of opening, and count toward the same $2,500 quarterly cap; past it they earn 1%.
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
@@ -213,7 +228,25 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079537&productoffercode=8H&locale=en_US
     quote: 'Foreign Transaction 3% of the U.S. dollar amount of each transaction'
+  - rule: first-year-choice-bonus
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079537&productoffercode=8H&locale=en_US
+    quote: 'Earn an additional 3% cash rewards bonus'
+  - rule: first-year-choice-bonus
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079537&productoffercode=8H&locale=en_US
+    quote: 'post to your account within 365 days of the account open date'
+  - rule: first-year-choice-bonus
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079537&productoffercode=8H&locale=en_US
+    quote: 'This offer is subject to the $2,500 quarterly limit for Bonus Categories'
+  - rule: first-year-choice-bonus
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079537&productoffercode=8H&locale=en_US
+    quote: 'nor will you receive any BofA Rewards™ bonus on the additional cash rewards earned from this offer'
+  - rule: first-year-choice-bonus
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079537&productoffercode=8H&locale=en_US
+    quote: 'will not apply to requests to convert existing accounts'
+  - rule: first-year-choice-bonus
+    url: https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/
+    quote: 'After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back'
 todo:
-  - New accounts earn 6% in the choice category for the first year (an extra 3%, inside the same $2,500 quarterly cap, with no BofA Rewards bonus on the extra 3%). earnrate can't see when an account was opened, so this isn't modeled.
+  - Bank of America's first-year 3% counts Net Purchases that "post to your account within 365 days of the account open date". earnrate goes by the purchase date and counts the opening day as day 1, so a purchase on the last day or two may be ranked at 3% when it would still earn 6%, or at 6% when it posts too late.
   - 'The BofA Rewards rules use proposed membership ids: bofa-rewards-member, bofa-rewards-preferred-plus, bofa-rewards-preferred-honors and bofa-rewards-premier. Cardholders who joined Preferred Rewards before May 26, 2026 may have an "extended card benefit" that Bank of America doesn''t define.'
   - "Online shopping counts any online purchase earnrate can't place in an excluded category, including unknown merchants. Bank of America also excludes doctors, government, insurance, schools and other non-retail services, which earnrate can't tell apart."

package/data/cards/bank-of-america-premium-rewards.yaml

@@ -0,0 +1,134 @@
+id: bank-of-america-premium-rewards
+name: Bank of America Premium Rewards Credit Card
+short_name: BofA Premium Rewards
+color: '#3a3f47'
+issuer: bank-of-america
+# The page names the Visa Signature Luxury Hotel Collection and concierge as
+# card benefits, and the terms carry the Visa trademark notice.
+network: visa
+currency: bofa-premium-rewards
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/
+  - https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079485&productoffercode=UN&locale=en_US
+  - https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+base_rate: 1.5
+annual_fee: 95
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 60000
+  spend: 4000
+  months: 3
+  note: Online offer; the window is 90 days from account opening, modeled as 3 months. The offer may not be available elsewhere after leaving the page. The card may not be available to anyone who has or had it in the past 24 months.
+rules:
+  - id: travel-dining
+    match: { categories: [travel, transit, dining] }
+    rate: 2
+    note: Restaurants (fast food included) and bars; airlines, hotels and motels, timeshares, campgrounds, car and RV rentals, cruises, travel agencies and tour operators, trains, buses, taxis, limousines, ferries, parking, and tolls. Not in-flight or duty-free airport purchases, or purchases through third-party payment accounts, mobile card readers or unsupported digital wallets.
+  # BofA Rewards members earn a tier bonus on all points: 10% for Member,
+  # 25% Preferred Plus, 50% Preferred Honors, 75% Premier.
+  - id: travel-dining-bofa-rewards-member
+    match: { categories: [travel, transit, dining] }
+    rate: 2.2
+    requires: { membership: bofa-rewards-member }
+    note: 2x plus the 10% BofA Rewards Member bonus.
+  - id: everything-bofa-rewards-member
+    match: { any: true }
+    rate: 1.65
+    requires: { membership: bofa-rewards-member }
+    note: 1.5x plus the 10% BofA Rewards Member bonus.
+  - id: travel-dining-bofa-rewards-preferred-plus
+    match: { categories: [travel, transit, dining] }
+    rate: 2.5
+    requires: { membership: bofa-rewards-preferred-plus }
+    note: 2x plus the 25% BofA Rewards Preferred Plus bonus.
+  - id: everything-bofa-rewards-preferred-plus
+    match: { any: true }
+    rate: 1.875
+    requires: { membership: bofa-rewards-preferred-plus }
+    note: 1.5x plus the 25% BofA Rewards Preferred Plus bonus.
+  - id: travel-dining-bofa-rewards-preferred-honors
+    match: { categories: [travel, transit, dining] }
+    rate: 3
+    requires: { membership: bofa-rewards-preferred-honors }
+    note: 2x plus the 50% BofA Rewards Preferred Honors bonus.
+  - id: everything-bofa-rewards-preferred-honors
+    match: { any: true }
+    rate: 2.25
+    requires: { membership: bofa-rewards-preferred-honors }
+    note: 1.5x plus the 50% BofA Rewards Preferred Honors bonus.
+  - id: travel-dining-bofa-rewards-premier
+    match: { categories: [travel, transit, dining] }
+    rate: 3.5
+    requires: { membership: bofa-rewards-premier }
+    note: 2x plus the 75% BofA Rewards Premier bonus.
+  - id: everything-bofa-rewards-premier
+    match: { any: true }
+    rate: 2.625
+    requires: { membership: bofa-rewards-premier }
+    note: 1.5x plus the 75% BofA Rewards Premier bonus.
+# Not modeled: the $100 airline incidental and $100 TSA PreCheck or Global
+# Entry statement credits.
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079485&productoffercode=UN&locale=en_US
+    quote: 'Earn 1.5 base points for every $1 of Net Purchases (non-Travel and Dining)'
+  - rule: travel-dining
+    url: https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/
+    quote: 'Earn unlimited 2 points for every $1 spent on travel and dining purchases'
+  - rule: travel-dining
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079485&productoffercode=UN&locale=en_US
+    quote: 'Dining includes Restaurants, including Fast Food, and Drinking Establishments, such as Bars or Taverns.'
+  - rule: travel-dining
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079485&productoffercode=UN&locale=en_US
+    quote: 'operators of passenger trains, buses, taxis, limousines, ferries, boat rentals, parking lots and garages, tolls and bridge fees'
+  - rule: travel-dining
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079485&productoffercode=UN&locale=en_US
+    quote: 'like in-flight goods and services, and duty-free airport purchases'
+  - rule: travel-dining-bofa-rewards-member
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: 'bonus of 10% for the Member tier'
+  - rule: everything-bofa-rewards-member
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: 'bonus of 10% for the Member tier'
+  - rule: travel-dining-bofa-rewards-preferred-plus
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: '25% for the Preferred Plus tier'
+  - rule: everything-bofa-rewards-preferred-plus
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: '25% for the Preferred Plus tier'
+  - rule: travel-dining-bofa-rewards-preferred-honors
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: '50% for the Preferred Honors tier'
+  - rule: everything-bofa-rewards-preferred-honors
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: '50% for the Preferred Honors tier'
+  - rule: travel-dining-bofa-rewards-premier
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: 'or 75% for the Premier tier'
+  - rule: everything-bofa-rewards-premier
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: 'or 75% for the Premier tier'
+  - rule: travel-dining-bofa-rewards-member
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: 'a purchase that earns 100 base points will actually earn 110, 125, 150, or 175 points'
+  - rule: annual_fee
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079485&productoffercode=UN&locale=en_US
+    quote: 'Annual Fee $95'
+  - rule: welcome_offer
+    url: https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/
+    quote: 'after you make at least $4,000 in purchases in the first 90 days of account opening'
+  - rule: welcome_offer
+    url: https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/
+    quote: '60,000 online bonus points offer'
+  - rule: welcome_offer
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079485&productoffercode=UN&locale=en_US
+    quote: 'This card may not be available to you if you currently have or have had the card'
+  - rule: foreign_transaction_fee
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079485&productoffercode=UN&locale=en_US
+    quote: 'Foreign Transaction None'
+todo:
+  - 'The BofA Rewards rules use proposed membership ids: bofa-rewards-member, bofa-rewards-preferred-plus, bofa-rewards-preferred-honors and bofa-rewards-premier. Cardholders who joined Preferred Rewards before May 26, 2026 may have an "extended card benefit" that Bank of America doesn''t define.'
+  - 'Travel also covers tourist attractions and exhibits (art galleries, amusement parks, carnivals, circuses, aquariums, zoos), which have no earnrate category, so they earn 1.5x here.'