earnrate 0.2.10 → 0.2.12

This diff represents the content of publicly available package versions that have been released to one of the supported registries. The information contained in this diff is provided for informational purposes only and reflects changes between package versions as they appear in their respective public registries.
Files changed (130) hide show
  1. package/README.md +31 -11
  2. package/data/CHANGELOG.md +154 -0
  3. package/data/VERSION +1 -1
  4. package/data/cards/amex-blue-business-plus.yaml +1 -0
  5. package/data/cards/amex-blue-cash-everyday.yaml +1 -0
  6. package/data/cards/amex-blue-cash-preferred.yaml +7 -0
  7. package/data/cards/amex-business-gold.yaml +134 -0
  8. package/data/cards/amex-business-platinum.yaml +115 -0
  9. package/data/cards/amex-delta-skymiles-blue.yaml +91 -0
  10. package/data/cards/amex-delta-skymiles-gold.yaml +122 -0
  11. package/data/cards/amex-delta-skymiles-platinum.yaml +120 -0
  12. package/data/cards/amex-delta-skymiles-reserve.yaml +82 -0
  13. package/data/cards/amex-gold.yaml +1 -0
  14. package/data/cards/amex-hilton-honors-aspire.yaml +142 -0
  15. package/data/cards/amex-hilton-honors-business.yaml +93 -0
  16. package/data/cards/amex-hilton-honors-surpass.yaml +153 -0
  17. package/data/cards/amex-hilton-honors.yaml +119 -0
  18. package/data/cards/amex-marriott-bonvoy-bevy.yaml +118 -0
  19. package/data/cards/amex-marriott-bonvoy-brilliant.yaml +93 -0
  20. package/data/cards/amex-marriott-bonvoy-business.yaml +116 -0
  21. package/data/cards/amex-platinum.yaml +15 -0
  22. package/data/cards/bank-of-america-atmos-rewards-ascent.yaml +14 -0
  23. package/data/cards/bank-of-america-atmos-rewards-business.yaml +15 -0
  24. package/data/cards/bank-of-america-atmos-rewards-summit.yaml +17 -0
  25. package/data/cards/bank-of-america-customized-cash-rewards.yaml +34 -1
  26. package/data/cards/bank-of-america-premium-rewards.yaml +134 -0
  27. package/data/cards/bank-of-america-travel-rewards.yaml +123 -0
  28. package/data/cards/bank-of-america-unlimited-cash-rewards.yaml +83 -0
  29. package/data/cards/barclays-jetblue-plus.yaml +86 -0
  30. package/data/cards/bilt-blue.yaml +60 -0
  31. package/data/cards/bilt-obsidian.yaml +1 -0
  32. package/data/cards/bilt-palladium.yaml +76 -0
  33. package/data/cards/capital-one-kohls-card.yaml +1 -0
  34. package/data/cards/capital-one-kohls-rewards-visa.yaml +1 -0
  35. package/data/cards/capital-one-quicksilver.yaml +82 -0
  36. package/data/cards/capital-one-savor.yaml +2 -0
  37. package/data/cards/capital-one-spark-cash-plus.yaml +80 -0
  38. package/data/cards/capital-one-venture-x-business.yaml +97 -0
  39. package/data/cards/capital-one-venture-x.yaml +2 -0
  40. package/data/cards/capital-one-venture.yaml +2 -0
  41. package/data/cards/chase-aeroplan.yaml +30 -0
  42. package/data/cards/chase-freedom-flex.yaml +1 -0
  43. package/data/cards/chase-freedom-rise.yaml +29 -0
  44. package/data/cards/chase-freedom-unlimited.yaml +1 -0
  45. package/data/cards/chase-ihg-one-rewards-business.yaml +1 -0
  46. package/data/cards/chase-ihg-one-rewards-premier-select.yaml +2 -0
  47. package/data/cards/chase-ihg-one-rewards-premier.yaml +1 -0
  48. package/data/cards/chase-ihg-one-rewards.yaml +1 -0
  49. package/data/cards/chase-ink-business-cash.yaml +1 -0
  50. package/data/cards/chase-ink-business-preferred.yaml +1 -0
  51. package/data/cards/chase-ink-business-unlimited.yaml +69 -0
  52. package/data/cards/chase-marriott-bonvoy-bold.yaml +124 -0
  53. package/data/cards/chase-marriott-bonvoy-boundless.yaml +78 -0
  54. package/data/cards/chase-prime-visa.yaml +1 -0
  55. package/data/cards/chase-sapphire-preferred.yaml +1 -0
  56. package/data/cards/chase-sapphire-reserve.yaml +30 -0
  57. package/data/cards/chase-southwest-performance-business.yaml +2 -0
  58. package/data/cards/chase-southwest-plus.yaml +2 -0
  59. package/data/cards/chase-southwest-premier-business.yaml +2 -0
  60. package/data/cards/chase-southwest-premier.yaml +2 -0
  61. package/data/cards/chase-southwest-priority.yaml +2 -0
  62. package/data/cards/chase-united-business.yaml +11 -0
  63. package/data/cards/chase-united-club-business.yaml +20 -0
  64. package/data/cards/chase-united-club.yaml +32 -0
  65. package/data/cards/chase-united-explorer.yaml +20 -0
  66. package/data/cards/chase-united-gateway.yaml +19 -0
  67. package/data/cards/chase-united-quest.yaml +20 -0
  68. package/data/cards/citi-aadvantage-business.yaml +14 -1
  69. package/data/cards/citi-aadvantage-executive.yaml +2 -0
  70. package/data/cards/citi-aadvantage-globe.yaml +2 -0
  71. package/data/cards/citi-aadvantage-mileup.yaml +2 -0
  72. package/data/cards/citi-aadvantage-platinum-select.yaml +14 -1
  73. package/data/cards/citi-costco-anywhere-visa-business.yaml +2 -0
  74. package/data/cards/citi-costco-anywhere-visa.yaml +2 -0
  75. package/data/cards/citi-custom-cash.yaml +1 -0
  76. package/data/cards/citi-double-cash.yaml +1 -0
  77. package/data/cards/citi-my-best-buy-visa.yaml +1 -0
  78. package/data/cards/citi-strata-elite.yaml +1 -0
  79. package/data/cards/citi-strata-premier.yaml +1 -0
  80. package/data/cards/citi-strata.yaml +164 -0
  81. package/data/cards/discover-it-cash-back.yaml +188 -0
  82. package/data/cards/paypal-cashback-mastercard.yaml +41 -0
  83. package/data/cards/sams-club-mastercard.yaml +68 -0
  84. package/data/cards/sofi-unlimited-2.yaml +1 -0
  85. package/data/cards/td-bank-nordstrom-credit-card.yaml +1 -0
  86. package/data/cards/td-bank-nordstrom-visa.yaml +1 -0
  87. package/data/cards/td-bank-target-circle-card.yaml +1 -0
  88. package/data/cards/usbank-altitude-connect.yaml +150 -0
  89. package/data/cards/usbank-altitude-go.yaml +118 -0
  90. package/data/cards/usbank-cash-plus.yaml +1 -0
  91. package/data/cards/wells-fargo-active-cash.yaml +1 -0
  92. package/data/cards/wells-fargo-autograph-journey.yaml +73 -0
  93. package/data/cards/wells-fargo-autograph.yaml +1 -0
  94. package/data/categories.yaml +3 -1
  95. package/data/currencies.yaml +60 -0
  96. package/data/issuers.yaml +25 -1
  97. package/data/memberships.yaml +10 -0
  98. package/data/merchants/overrides.yaml +515 -1
  99. package/data/merchants/seed.yaml +883 -6
  100. package/dist/cli/import.js +2 -2
  101. package/dist/cli/wallet.js +8 -1
  102. package/dist/data/integrity.js +37 -0
  103. package/dist/data/wallet-edit.js +3 -1
  104. package/dist/engine/cheat-sheet.js +3 -0
  105. package/dist/engine/checklist.js +14 -3
  106. package/dist/engine/evaluate.js +19 -7
  107. package/dist/engine/intro.js +36 -0
  108. package/dist/engine/recommend.js +41 -10
  109. package/dist/engine/record.js +2 -0
  110. package/dist/engine/rule-text.js +15 -1
  111. package/dist/engine/setup.js +6 -0
  112. package/dist/engine/text.js +23 -0
  113. package/dist/engine/wallet-change.js +20 -3
  114. package/dist/engine/wallet-summary.js +24 -4
  115. package/dist/format/card-art.js +21 -0
  116. package/dist/format/cards.js +1 -0
  117. package/dist/format/wallet-yaml.js +1 -0
  118. package/dist/format/wallet.js +10 -4
  119. package/dist/import/analyze.js +1 -0
  120. package/dist/mcp/inputs.js +3 -0
  121. package/dist/mcp/prompts.js +90 -0
  122. package/dist/mcp/schemas.js +17 -0
  123. package/dist/mcp/server.js +2 -0
  124. package/dist/mcp/tools/account.js +8 -5
  125. package/dist/mcp/tools/answers.js +7 -0
  126. package/dist/mcp/tools/wallet.js +7 -2
  127. package/dist/schema/card.js +23 -0
  128. package/dist/schema/issuer.js +4 -0
  129. package/dist/schema/wallet.js +3 -0
  130. package/package.json +12 -3
@@ -0,0 +1,97 @@
1
+ id: capital-one-venture-x-business
2
+ name: Capital One Venture X Business
3
+ short_name: Venture X Business
4
+ color: '#2b2d31'
5
+ issuer: capital-one
6
+ network: mastercard # World Elite Mastercard for Business, per capitalone.com/credit-cards/benefits-guide
7
+ currency: C1
8
+ business: true
9
+ last_verified: 2026-11-04
10
+ verified_by: claude
11
+ source_urls:
12
+ - https://www.capitalone.com/small-business/credit-cards/venture-x-business/
13
+ # The card page's "View important rates and disclosures" (pricing and
14
+ # rewards FAQ); the number is the page's offer id and changes with it.
15
+ - https://disclosures.capitalone.com/disclosure.42243.en-US.html
16
+ base_rate: 2
17
+ annual_fee: 395
18
+ foreign_transaction_fee: 0
19
+ welcome_offer:
20
+ points: 150000
21
+ spend: 40000
22
+ months: 4
23
+ note: 'The first tier of a limited-time two-tier offer: 150,000 miles after $40,000 in the first 4 months, plus another 150,000 miles and a $1,000 Capital One Business Travel credit after $120,000 in the same 4 months. Only through the card page; it may not be available to existing or previous Capital One Business cardholders.'
24
+ rules:
25
+ - id: business-travel-hotels-and-car-rentals
26
+ match:
27
+ {
28
+ merchants:
29
+ [
30
+ capital-one-business-travel-hotels,
31
+ capital-one-business-travel-car-rentals,
32
+ ],
33
+ }
34
+ rate: 10
35
+ note: Only when booked through Capital One Business Travel. Purchases paid with the travel credits earn no miles, and hotel incidentals or upgrades paid outside Capital One Business Travel earn the base 2X.
36
+ - id: business-travel-flights-and-vacation-rentals
37
+ match:
38
+ {
39
+ merchants:
40
+ [
41
+ capital-one-business-travel-flights,
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+ capital-one-business-travel-vacation-rentals,
43
+ ],
44
+ }
45
+ rate: 5
46
+ note: Only when booked through Capital One Business Travel.
47
+ - id: capital-one-entertainment
48
+ match: { merchants: [capital-one-entertainment] }
49
+ rate: 5
50
+ note: Tickets bought on the Capital One Entertainment ticketing platform only. Cardholder-exclusive pre-sales and tickets bought directly from Capital One Hall or Capital One Arena are excluded.
51
+ evidence:
52
+ - rule: base_rate
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+ url: https://www.capitalone.com/small-business/credit-cards/venture-x-business/
54
+ quote: 'Earn unlimited 2X miles on every purchase, everywhere, no limits or category restrictions.'
55
+ - rule: base_rate
56
+ url: https://disclosures.capitalone.com/disclosure.42243.en-US.html
57
+ quote: 'and 2 miles per dollar on all other purchases'
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+ - rule: business-travel-hotels-and-car-rentals
59
+ url: https://www.capitalone.com/small-business/credit-cards/venture-x-business/
60
+ quote: 'Book through Capital One Business Travel to earn 10X miles on hotels and rental cars'
61
+ - rule: business-travel-hotels-and-car-rentals
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+ url: https://disclosures.capitalone.com/disclosure.42243.en-US.html
63
+ quote: 'You will earn 10 miles per dollar on hotels and rental cars'
64
+ - rule: business-travel-hotels-and-car-rentals
65
+ url: https://disclosures.capitalone.com/disclosure.42243.en-US.html
66
+ quote: 'such as hotel incidentals, upgrades or other expenses, will not earn the enhanced earn rate'
67
+ - rule: business-travel-flights-and-vacation-rentals
68
+ url: https://www.capitalone.com/small-business/credit-cards/venture-x-business/
69
+ quote: 'and 5X miles on flights and vacation rentals.'
70
+ - rule: business-travel-flights-and-vacation-rentals
71
+ url: https://disclosures.capitalone.com/disclosure.42243.en-US.html
72
+ quote: '5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel'
73
+ - rule: capital-one-entertainment
74
+ url: https://disclosures.capitalone.com/disclosure.42243.en-US.html
75
+ quote: 'You will earn 5 miles per dollar spent on Capital One Entertainment purchases.'
76
+ - rule: capital-one-entertainment
77
+ url: https://disclosures.capitalone.com/disclosure.42243.en-US.html
78
+ quote: 'Tickets purchased through the Capital One cardholder exclusive pre-sales'
79
+ - rule: annual_fee
80
+ url: https://www.capitalone.com/small-business/credit-cards/venture-x-business/
81
+ quote: '$395 annual fee'
82
+ - rule: annual_fee
83
+ url: https://disclosures.capitalone.com/disclosure.42243.en-US.html
84
+ quote: 'Annual Fee $395.'
85
+ - rule: welcome_offer
86
+ url: https://www.capitalone.com/small-business/credit-cards/venture-x-business/
87
+ quote: 'Spend $40,000 in the first four months and earn 150,000 miles.'
88
+ - rule: welcome_offer
89
+ url: https://disclosures.capitalone.com/disclosure.42243.en-US.html
90
+ quote: 'You will earn 150,000 bonus miles when you spend $40,000'
91
+ - rule: foreign_transaction_fee
92
+ url: https://www.capitalone.com/small-business/credit-cards/venture-x-business/
93
+ quote: 'Pay zero foreign transaction fees on purchases made outside of the United States'
94
+ todo:
95
+ - "The welcome offer's second tier (another 150,000 miles and a $1,000 Capital One Business Travel credit after $120,000 in the first 4 months) isn't modeled: a welcome offer has one spend threshold."
96
+ - Not modeled (credits and perks, not miles per dollar) the $300 annual Capital One Business Travel credit, the 10,000-mile anniversary bonus, the $120 Global Entry/TSA PreCheck credit and lounge access.
97
+ - The rates disclosure lists no foreign transaction fee in its fee table; the 0 comes from the card page's "Pay zero foreign transaction fees".
@@ -1,5 +1,7 @@
1
1
  id: capital-one-venture-x
2
2
  name: Capital One Venture X Rewards Credit Card
3
+ short_name: Capital One Venture X
4
+ color: '#2b2d31'
3
5
  issuer: capital-one
4
6
  network: visa # Visa Infinite, per the card page's footnotes
5
7
  currency: C1
@@ -1,5 +1,7 @@
1
1
  id: capital-one-venture
2
2
  name: Capital One Venture Rewards Credit Card
3
+ short_name: Capital One Venture
4
+ color: '#1d3c6e'
3
5
  issuer: capital-one
4
6
  # The card page never names the network in visible text. Its embedded product
5
7
  # data says MasterCard; older Venture accounts may be on Visa.
@@ -1,5 +1,7 @@
1
1
  id: chase-aeroplan
2
2
  name: Chase Air Canada Aeroplan Card
3
+ short_name: Chase Aeroplan
4
+ color: '#1e1e1e'
3
5
  issuer: chase
4
6
  network: mastercard
5
7
  currency: aeroplan
@@ -55,6 +57,25 @@ rules:
55
57
  - id: gas
56
58
  match: { categories: [gas] }
57
59
  rate: 2
60
+ milestones:
61
+ - id: spend-25k
62
+ spend: 25000
63
+ period: calendar_year
64
+ rewards:
65
+ - 10,000 Status Qualifying Credits
66
+ note: 'For the primary cardmember. All Aeroplan cards together give at most 25,000 SQC a calendar year. Allow 6-8 weeks for them to post.'
67
+ - id: spend-50k
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+ spend: 50000
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+ period: calendar_year
70
+ rewards:
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+ - 10,000 more Status Qualifying Credits
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+ note: 'For the primary cardmember. All Aeroplan cards together give at most 25,000 SQC a calendar year. Allow 6-8 weeks for them to post.'
73
+ - id: spend-75k
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+ spend: 75000
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+ period: calendar_year
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+ rewards:
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+ - Aeroplan 35K Status
78
+ note: 'For the primary cardmember, for the rest of that calendar year and all of the next.'
58
79
  todo:
59
80
  - 'Through December 31, 2026, the cardmember page creditcards.chase.com/aircanada lists 500 bonus points for each $2,000 spent per calendar month, up to 1,500 a month (+0.25x on the first $6,000). It is not on the product page, and the engine picks one rule rather than stacking, so it is not modeled.'
60
81
  # Issuer text backing each rule; `yarn check-sources` checks it weekly.
@@ -116,3 +137,12 @@ evidence:
116
137
  - rule: foreign_transaction_fee
117
138
  url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65070.html
118
139
  quote: 'Foreign Transactions None Penalty Fees'
140
+ - rule: spend-25k
141
+ url: https://creditcards.chase.com/travel-credit-cards/aircanada/aeroplan
142
+ quote: 'will receive 10,000 Status Qualifying Credits (SQC) once you spend $25,000 in purchases'
143
+ - rule: spend-50k
144
+ url: https://creditcards.chase.com/travel-credit-cards/aircanada/aeroplan
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+ quote: 'an additional 10,000 SQC once you spend $50,000 in purchases'
146
+ - rule: spend-75k
147
+ url: https://creditcards.chase.com/travel-credit-cards/aircanada/aeroplan
148
+ quote: 'Each calendar year you spend at least $75,000 in purchases on your Chase Air Canada Aeroplan Card account'
@@ -1,5 +1,6 @@
1
1
  id: chase-freedom-flex
2
2
  name: Chase Freedom Flex
3
+ color: '#22314f'
3
4
  issuer: chase
4
5
  network: mastercard
5
6
  currency: cash
@@ -0,0 +1,29 @@
1
+ id: chase-freedom-rise
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+ name: Chase Freedom Rise
3
+ color: '#2f6db5'
4
+ issuer: chase
5
+ network: visa
6
+ currency: cash
7
+ last_verified: 2026-11-04
8
+ verified_by: claude
9
+ source_urls:
10
+ - https://creditcards.chase.com/cash-back-credit-cards/freedom/rise
11
+ - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65397.html
12
+ base_rate: 1.5
13
+ annual_fee: 0
14
+ foreign_transaction_fee: 3
15
+ # No welcome offer: the $25 statement credit for enrolling in automatic
16
+ # payments needs no spending, so it isn't a welcome offer earnrate can value.
17
+ # Issuer text backing each rule; `yarn check-sources` checks it weekly.
18
+ evidence:
19
+ - rule: base_rate
20
+ url: https://creditcards.chase.com/cash-back-credit-cards/freedom/rise
21
+ quote: 'establish credit and earn 1.5% cash back on all purchases'
22
+ - rule: annual_fee
23
+ url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65397.html
24
+ quote: 'Annual Membership Fee None'
25
+ - rule: foreign_transaction_fee
26
+ url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65397.html
27
+ quote: 'Foreign Transactions 3% of the amount of each transaction in U.S. dollars'
28
+ todo:
29
+ - "Chase doesn't say on these pages whether Freedom Rise's cash back can be moved to a Sapphire or Ink Preferred card as Ultimate Rewards points, so pools_into isn't set."
@@ -1,5 +1,6 @@
1
1
  id: chase-freedom-unlimited
2
2
  name: Chase Freedom Unlimited
3
+ color: '#2a5fa8'
3
4
  issuer: chase
4
5
  network: visa
5
6
  currency: cash
@@ -1,5 +1,6 @@
1
1
  id: chase-ihg-one-rewards-business
2
2
  name: IHG One Rewards Business Credit Card
3
+ color: '#2c2c2c'
3
4
  issuer: chase
4
5
  network: mastercard
5
6
  currency: ihg-points
@@ -1,5 +1,7 @@
1
1
  id: chase-ihg-one-rewards-premier-select
2
2
  name: IHG One Rewards Premier Select Credit Card
3
+ short_name: IHG Premier Select
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+ color: '#2f4f6f'
3
5
  issuer: chase
4
6
  network: mastercard
5
7
  currency: ihg-points
@@ -1,5 +1,6 @@
1
1
  id: chase-ihg-one-rewards-premier
2
2
  name: IHG One Rewards Premier Credit Card
3
+ color: '#1f2b3a'
3
4
  issuer: chase
4
5
  network: mastercard
5
6
  currency: ihg-points
@@ -1,5 +1,6 @@
1
1
  id: chase-ihg-one-rewards
2
2
  name: IHG One Rewards Credit Card
3
+ color: '#3f5f7f'
3
4
  issuer: chase
4
5
  network: mastercard
5
6
  currency: ihg-points
@@ -1,5 +1,6 @@
1
1
  id: chase-ink-business-cash
2
2
  name: Ink Business Cash
3
+ color: '#33393f'
3
4
  issuer: chase
4
5
  network: visa
5
6
  currency: cash
@@ -1,5 +1,6 @@
1
1
  id: chase-ink-business-preferred
2
2
  name: Ink Business Preferred
3
+ color: '#1f2328'
3
4
  issuer: chase
4
5
  network: visa
5
6
  currency: UR
@@ -0,0 +1,69 @@
1
+ id: chase-ink-business-unlimited
2
+ name: Ink Business Unlimited
3
+ color: '#4a5560'
4
+ issuer: chase
5
+ # The pricing and terms say "By becoming a Visa Business Card cardmember".
6
+ network: visa
7
+ currency: cash
8
+ last_verified: 2026-11-04
9
+ verified_by: claude
10
+ source_urls:
11
+ - https://creditcards.chase.com/business-credit-cards/ink/unlimited
12
+ - https://www.chase.com/personal/credit-cards/education/rewards-benefits/how-to-combine-chase-credit-card-points-in-household
13
+ - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC63749.html
14
+ base_rate: 1.5
15
+ business: true
16
+ annual_fee: 0
17
+ foreign_transaction_fee: 3
18
+ welcome_offer:
19
+ dollars: 750
20
+ spend: 6000
21
+ months: 3
22
+ note: 'Chase: "The new cardmember bonus may not be available to you if you have ever had this card or any other Chase for Business card without an annual fee." Chase may also consider factors about your business.'
23
+ # Its cash back is earned as Ultimate Rewards points, which Chase lets you
24
+ # move to another Ultimate Rewards card on your account.
25
+ pools_into:
26
+ currency: UR
27
+ when_wallet_has:
28
+ [
29
+ chase-sapphire-preferred,
30
+ chase-sapphire-reserve,
31
+ chase-ink-business-preferred,
32
+ ]
33
+ rules:
34
+ - id: lyft
35
+ match: { merchants: [lyft] }
36
+ rate: 5
37
+ valid_to: 2027-09-30
38
+ note: Limited-time offer, a total of 5% on Lyft rides through September 30, 2027.
39
+ # Not modeled: the complimentary three-month Instacart+ membership and its
40
+ # monthly Instacart credit, which are benefits rather than earning rates.
41
+ # Issuer text backing each rule; `yarn check-sources` checks it weekly.
42
+ evidence:
43
+ - rule: base_rate
44
+ url: https://creditcards.chase.com/business-credit-cards/ink/unlimited
45
+ quote: 'Earn unlimited 1.5% Cash Back rewards on every purchase made for your business.'
46
+ - rule: lyft
47
+ url: https://creditcards.chase.com/business-credit-cards/ink/unlimited
48
+ quote: 'Earn a total of 5% cash back on Lyft rides through September 30, 2027'
49
+ - rule: pools_into
50
+ url: https://creditcards.chase.com/business-credit-cards/ink/unlimited
51
+ quote: 'Redeem your rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards'
52
+ - rule: pools_into
53
+ url: https://www.chase.com/personal/credit-cards/education/rewards-benefits/how-to-combine-chase-credit-card-points-in-household
54
+ quote: 'You can combine points from one Chase card to another Chase card on your account'
55
+ - rule: annual_fee
56
+ url: https://creditcards.chase.com/business-credit-cards/ink/unlimited
57
+ quote: 'ANNUAL FEE $0'
58
+ - rule: annual_fee
59
+ url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC63749.html
60
+ quote: 'Annual Membership Fee None'
61
+ - rule: welcome_offer
62
+ url: https://creditcards.chase.com/business-credit-cards/ink/unlimited
63
+ quote: 'after you spend $6,000 on purchases in the first 3 months after account opening'
64
+ - rule: welcome_offer
65
+ url: https://creditcards.chase.com/business-credit-cards/ink/unlimited
66
+ quote: 'Earn $750 cash back'
67
+ - rule: foreign_transaction_fee
68
+ url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC63749.html
69
+ quote: 'Foreign Transactions 3% of the amount of each transaction in U.S. dollars'
@@ -0,0 +1,124 @@
1
+ id: chase-marriott-bonvoy-bold
2
+ name: Marriott Bonvoy Bold Credit Card
3
+ color: '#4b5a6a'
4
+ issuer: chase
5
+ network: visa
6
+ currency: marriott-bonvoy
7
+ last_verified: 2026-11-03
8
+ verified_by: claude
9
+ source_urls:
10
+ - https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold
11
+ - https://www.chase.com/personal/credit-cards/rewards-category-faq
12
+ - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65105.html
13
+ base_rate: 1
14
+ annual_fee: 0
15
+ foreign_transaction_fee: 0
16
+ welcome_offer:
17
+ points: 45000
18
+ spend: 1000
19
+ months: 3
20
+ not_with: [chase-marriott-bonvoy-boundless]
21
+ note: 'No end date given. Chase: "This credit card is not available to you if (1) you currently have any of the following cards or (2) you received a new cardmember bonus for any of the following cards within the last 24 months" (Marriott Bonvoy Premier, Rewards Premier, Boundless, Rewards Premier Plus, Bold). The bonus also isn''t available to holders of the Marriott Bonvoy American Express Card in the last 30 days, or anyone approved for the Marriott Bonvoy Business, Brilliant or Bevy American Express cards in the last 90 days or paid their bonus in the last 24 months.'
22
+ rules:
23
+ - id: marriott-hotels
24
+ match: { merchants: [marriott] }
25
+ rate: 3
26
+ note: Card points only, at hotels participating in Marriott Bonvoy. Chase advertises "up to 14X total", which adds up to 10X base points and 1X Silver Elite bonus that Marriott posts for stays; those aren't card earnings.
27
+ - id: grocery
28
+ match: { categories: [grocery.supermarket] }
29
+ rate: 2
30
+ note: Chase's grocery stores exclude warehouse clubs, discount stores, drugstores and gas at grocery-store stations; delivery services count only if they code as a grocery store.
31
+ - id: internet-cable-phone
32
+ match: { categories: [tv_internet, phone] }
33
+ rate: 2
34
+ - id: streaming
35
+ match:
36
+ {
37
+ merchants:
38
+ [
39
+ apple-music,
40
+ apple-tv,
41
+ disney-plus,
42
+ espn,
43
+ fubotv,
44
+ max,
45
+ hulu,
46
+ netflix,
47
+ pandora,
48
+ paramount-plus,
49
+ peacock,
50
+ showtime,
51
+ siriusxm,
52
+ sling-tv,
53
+ spotify,
54
+ youtube-premium,
55
+ youtube-tv,
56
+ fandango-at-home,
57
+ ],
58
+ }
59
+ rate: 2
60
+ note: Only the services on Chase's select streaming list, like Netflix, Hulu, Disney+ and Spotify.
61
+ - id: rideshare
62
+ match: { categories: [transit.rideshare] }
63
+ rate: 2
64
+ note: Taxis, limousines and rideshare. Not car rentals, car sharing or carpools.
65
+ - id: food-delivery
66
+ match:
67
+ {
68
+ merchants:
69
+ [doordash, caviar, uber-eats, postmates, grubhub, delivery-com],
70
+ }
71
+ rate: 2
72
+ note: Only orders placed directly through DoorDash, Caviar, Uber Eats, Postmates, Grubhub, Seamless or Delivery.com, on the website or app.
73
+ evidence:
74
+ - rule: base_rate
75
+ url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold
76
+ quote: "You'll earn 1 point for each $1 spent on all other purchases."
77
+ - rule: marriott-hotels
78
+ url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold
79
+ quote: "You'll earn 3 points for each $1 spent on qualifying purchases made at hotels participating in Marriott Bonvoy"
80
+ - rule: marriott-hotels
81
+ url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold
82
+ quote: 'You will only receive the accelerated earn of 3 points for each $1 spent from the credit card program.'
83
+ - rule: grocery
84
+ url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold
85
+ quote: 'Earn 2X points for every $1 spent on purchases at grocery stores.'
86
+ - rule: grocery
87
+ url: https://www.chase.com/personal/credit-cards/rewards-category-faq
88
+ quote: 'Delivery service merchants will be included if they classify as a grocery store merchant.'
89
+ - rule: internet-cable-phone
90
+ url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold
91
+ quote: 'Earn 2X points for every $1 spent on select streaming, and internet, cable, and phone services.'
92
+ - rule: streaming
93
+ url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold
94
+ quote: 'Earn 2X points for every $1 spent on select streaming, and internet, cable, and phone services.'
95
+ - rule: streaming
96
+ url: https://www.chase.com/personal/credit-cards/rewards-category-faq
97
+ quote: 'Only subscriptions paid for, or purchases made with the following select merchants will qualify for this category'
98
+ - rule: rideshare
99
+ url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold
100
+ quote: 'the following rideshare rewards category: taxicabs and limousines'
101
+ - rule: rideshare
102
+ url: https://www.chase.com/personal/credit-cards/rewards-category-faq
103
+ quote: 'Merchants in this category include operators of taxi, limousine, and rideshare services.'
104
+ - rule: food-delivery
105
+ url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold
106
+ quote: 'Earn 2X points for every $1 spent on rideshare and select food delivery.'
107
+ - rule: food-delivery
108
+ url: https://www.chase.com/personal/credit-cards/rewards-category-faq
109
+ quote: 'Only purchases made with the following select food delivery merchants will qualify for this category'
110
+ - rule: annual_fee
111
+ url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65105.html
112
+ quote: 'Annual Membership Fee None'
113
+ - rule: foreign_transaction_fee
114
+ url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65105.html
115
+ quote: 'Foreign Transactions None Penalty Fees'
116
+ - rule: welcome_offer
117
+ url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold
118
+ quote: 'Earn 45,000 Bonus Points after spending $1,000 on eligible purchases within 3 months of account opening'
119
+ - rule: not_with
120
+ url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold
121
+ quote: 'This credit card is not available to you if (1) you currently have any of the following cards'
122
+ todo:
123
+ - Automatic Silver Elite status and 5 Elite Night Credits each calendar year aren't modeled; they don't depend on spending.
124
+ - 'Pay Yourself Back redeems Bonvoy points at "$100 for every 12,500 points" (0.8 cents) against airline tickets bought directly and Marriott hotel purchases on this card, up to $750 of redemptions a year. earnrate values the currency, not a per-card redemption, so this isn''t modeled.'
@@ -0,0 +1,78 @@
1
+ id: chase-marriott-bonvoy-boundless
2
+ name: Marriott Bonvoy Boundless Credit Card
3
+ short_name: Bonvoy Boundless
4
+ color: '#2e3742'
5
+ issuer: chase
6
+ network: visa
7
+ currency: marriott-bonvoy
8
+ last_verified: 2026-11-03
9
+ verified_by: claude
10
+ source_urls:
11
+ - https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless
12
+ - https://www.chase.com/personal/credit-cards/rewards-category-faq
13
+ - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65195.html
14
+ base_rate: 2
15
+ annual_fee: 95
16
+ foreign_transaction_fee: 0
17
+ rules:
18
+ - id: marriott-hotels
19
+ match: { merchants: [marriott] }
20
+ rate: 6
21
+ note: Card points only, at hotels participating in Marriott Bonvoy. Chase advertises "up to 17X total", which adds up to 10X base points and 1X Silver Elite bonus that Marriott posts for stays; those aren't card earnings.
22
+ - id: dining-grocery-gas
23
+ match: { categories: [dining, grocery.supermarket, gas] }
24
+ rate: 3
25
+ cap: { amount: 6000, period: calendar_year, then_rate: 2 }
26
+ note: On the first $6,000 of combined purchases a year. Chase's year runs from account opening (then each later year) through the December statement date, close to a calendar year. Dining includes takeout and eligible delivery services. Chase's grocery stores exclude warehouse clubs, discount stores, drugstores and gas at grocery-store stations; delivery services count only if they code as a grocery store.
27
+ milestones:
28
+ - id: spend-35k
29
+ spend: 35000
30
+ period: calendar_year
31
+ rewards:
32
+ - Gold Elite status
33
+ note: January 1 through December 31; purchases that post in the next year count toward that year. Chase says to allow up to 8 weeks for status to post. One Boundless account per Marriott Bonvoy member qualifies.
34
+ evidence:
35
+ - rule: base_rate
36
+ url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless
37
+ quote: "You'll earn 2 points for each $1 spent on all other purchases."
38
+ - rule: marriott-hotels
39
+ url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless
40
+ quote: "You'll earn 6 points for each $1 spent on qualifying purchases made at hotels participating in Marriott Bonvoy"
41
+ - rule: marriott-hotels
42
+ url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless
43
+ quote: 'You will only receive the accelerated earn of 6 points for each $1 spent from the credit card program.'
44
+ - rule: dining-grocery-gas
45
+ url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless
46
+ quote: 'first $6,000 spent annually on combined purchases in the following rewards categories: gas stations'
47
+ - rule: dining-grocery-gas
48
+ url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless
49
+ quote: 'dining at restaurants including takeout and eligible delivery services'
50
+ - rule: dining-grocery-gas
51
+ url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless
52
+ quote: 'After $6,000 is spent on combined purchases in these categories annually, you go back to earning 2 points'
53
+ - rule: dining-grocery-gas
54
+ url: https://www.chase.com/personal/credit-cards/rewards-category-faq
55
+ quote: 'Delivery service merchants will be included if they classify as a grocery store merchant.'
56
+ - rule: dining-grocery-gas
57
+ url: https://www.chase.com/personal/credit-cards/rewards-category-faq
58
+ quote: 'Delivery and takeout services will be included if they classify as a restaurant merchant'
59
+ - rule: spend-35k
60
+ url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless
61
+ quote: 'Path to Gold Status when you spend $35,000 on purchases each calendar year.'
62
+ - rule: spend-35k
63
+ url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless
64
+ quote: 'to spend $35,000 to earn Gold Elite Status will run from January 1 through December 31'
65
+ - rule: annual_fee
66
+ url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65195.html
67
+ quote: 'Annual Membership Fee $95'
68
+ - rule: annual_fee
69
+ url: https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless
70
+ quote: 'ANNUAL FEE $95'
71
+ - rule: foreign_transaction_fee
72
+ url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65195.html
73
+ quote: 'Foreign Transactions None Penalty Fees'
74
+ todo:
75
+ - 'The welcome offer is 3 Free Night Awards (each up to 50,000 points a night) after $3,000 in purchases in the first 3 months, not points, so the schema can''t hold it. Chase: "This credit card is not available to you if (1) you currently have any of the following cards or (2) you received a new cardmember bonus for any of the following cards within the last 24 months" (Marriott Bonvoy Premier, Rewards Premier, Boundless, Rewards Premier Plus, Bold); the bonus also isn''t available to holders of the Marriott Bonvoy American Express Card in the last 30 days, or anyone approved for Brilliant or Bevy in the last 90 days or paid their bonus in the last 24 months.'
76
+ - 1 Elite Night Credit for every $5,000 in purchases, with no limit, isn't modeled (milestones are once a period).
77
+ - The yearly Free Night Award (up to 35,000 points) after each account anniversary, automatic Silver Elite status and 15 Elite Night Credits each calendar year aren't modeled; they don't depend on spending.
78
+ - "The airline statement credit isn't modeled: $50 after $250 on purchases directly with airlines June 4 to Dec 31, 2026, and another $50 after $250 Jan 1 to June 30, 2027."
@@ -1,5 +1,6 @@
1
1
  id: chase-prime-visa
2
2
  name: Prime Visa
3
+ color: '#24384f'
3
4
  issuer: chase
4
5
  network: visa
5
6
  currency: cash
@@ -1,5 +1,6 @@
1
1
  id: chase-sapphire-preferred
2
2
  name: Chase Sapphire Preferred Card
3
+ color: '#1f4f9c'
3
4
  issuer: chase
4
5
  network: visa
5
6
  currency: UR
@@ -1,5 +1,6 @@
1
1
  id: chase-sapphire-reserve
2
2
  name: Chase Sapphire Reserve
3
+ color: '#1b2a44'
3
4
  issuer: chase
4
5
  network: visa
5
6
  currency: UR
@@ -46,6 +47,17 @@ rules:
46
47
  valid_from: 2025-04-01
47
48
  valid_to: 2027-12-31
48
49
  note: Peloton equipment and accessory purchases over $150 bought directly from Peloton, on up to $5,000 in total purchases over the whole offer. Not memberships, apparel or gift cards.
50
+ milestones:
51
+ - id: spend-75k
52
+ spend: 75000
53
+ period: calendar_year
54
+ rewards:
55
+ - IHG One Rewards Diamond Elite status
56
+ - Southwest A-List status
57
+ - World of Hyatt Explorist status
58
+ - up to $500 in Southwest credits on Chase Travel
59
+ - up to $250 in credits at The Shops at Chase
60
+ note: 'For the primary cardmember. Each lasts the rest of that calendar year and all of the next (Explorist through the following February). A-List needs your Rapid Rewards number linked on Chase.com.'
49
61
  # Issuer text backing each rule; `yarn check-sources` checks it weekly.
50
62
  evidence:
51
63
  - rule: base_rate
@@ -96,5 +108,23 @@ evidence:
96
108
  - rule: foreign_transaction_fee
97
109
  url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC64842.html
98
110
  quote: 'Foreign Transactions None Penalty Fees'
111
+ - rule: spend-75k
112
+ url: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
113
+ quote: 'Spend $75,000 each calendar year and unlock status and credits with leading travel and shopping brands.'
114
+ - rule: spend-75k
115
+ url: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
116
+ quote: '$75,000 Spend Benefit – IHG One Rewards Diamond Elite Status'
117
+ - rule: spend-75k
118
+ url: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
119
+ quote: '$75,000 Spend Benefit – Southwest Airlines Rapid Rewards A-List Status'
120
+ - rule: spend-75k
121
+ url: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
122
+ quote: '$75,000 Spend Benefit – World of Hyatt Explorist Status'
123
+ - rule: spend-75k
124
+ url: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
125
+ quote: '$75,000 Spend Benefit – $500 Southwest Airlines Chase Travel Credit'
126
+ - rule: spend-75k
127
+ url: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
128
+ quote: '$75,000 Spend Benefit – $250 Credit for The Shops at Chase'
99
129
  todo:
100
130
  - "peloton: the $5,000 limit runs across the whole offer (4/1/2025 to 12/31/2027), which no cap period can express, and the $150 minimum per purchase isn't modeled."
@@ -1,5 +1,7 @@
1
1
  id: chase-southwest-performance-business
2
2
  name: Southwest Rapid Rewards Performance Business Credit Card
3
+ short_name: Southwest Performance
4
+ color: '#2b3a67'
3
5
  issuer: chase
4
6
  network: visa
5
7
  currency: southwest-rapid-rewards
@@ -1,5 +1,7 @@
1
1
  id: chase-southwest-plus
2
2
  name: Southwest Rapid Rewards Plus Credit Card
3
+ short_name: Southwest Plus
4
+ color: '#3c6fc4'
3
5
  issuer: chase
4
6
  network: visa
5
7
  currency: southwest-rapid-rewards
@@ -1,5 +1,7 @@
1
1
  id: chase-southwest-premier-business
2
2
  name: Southwest Rapid Rewards Premier Business Credit Card
3
+ short_name: Southwest Premier Biz
4
+ color: '#2d4b9a'
3
5
  issuer: chase
4
6
  network: visa
5
7
  currency: southwest-rapid-rewards
@@ -1,5 +1,7 @@
1
1
  id: chase-southwest-premier
2
2
  name: Southwest Rapid Rewards Premier Credit Card
3
+ short_name: Southwest Premier
4
+ color: '#304cb2'
3
5
  issuer: chase
4
6
  network: visa
5
7
  currency: southwest-rapid-rewards
@@ -1,5 +1,7 @@
1
1
  id: chase-southwest-priority
2
2
  name: Southwest Rapid Rewards Priority Credit Card
3
+ short_name: Southwest Priority
4
+ color: '#1e2f5e'
3
5
  issuer: chase
4
6
  network: visa
5
7
  currency: southwest-rapid-rewards