earnrate 0.2.10 → 0.2.12

package/data/cards/discover-it-cash-back.yaml

@@ -0,0 +1,188 @@
+id: discover-it-cash-back
+name: Discover it Cash Back Credit Card
+color: '#e8751a'
+# Discover merged into Capital One, N.A.; the application terms are headed
+# "Discover by Capital One" and served from disclosures.capitalone.com.
+issuer: discover
+network: discover
+currency: cash
+last_verified: 2026-11-03
+verified_by: claude
+source_urls:
+  - https://www.discover.com/credit-cards/cash-back/it-card/
+  # The card page's "See rates, rewards, fees, and other cost information"
+  # (pricing and rewards FAQ); the number is the page's offer id and changes
+  # when Capital One changes it.
+  - https://disclosures.capitalone.com/disclosure.42300.en-US.html
+  - https://www.discover.com/credit-cards/cash-back/cashback-calendar.html
+  - https://www.discover.com/credit-cards/cash-back/cashback-bonus.html
+  # The calendar page's "See our FAQs".
+  - https://www.discover.com/credit-cards/card-smarts/using-cashback-bonus/
+base_rate: 1
+annual_fee: 0
+# No page states it: the application terms' fee table lists no foreign
+# transaction fee row, but nothing says "None".
+foreign_transaction_fee: null
+welcome_offer:
+  dollars: 200
+  spend: 500
+  months: 3
+  note: One-time $200 statement credit, available by applying through the card page. Existing or previous cardmembers may not be eligible if they received a new cardmember bonus for this product in the past 48 months. New cardmembers also get Cashback Match, which is ranked as a first-year rate (intro_rates) rather than counted here.
+caps:
+  # Discover's quarterly maximum on the rotating 5% categories.
+  - id: five-percent-quarterly
+    amount: 1500
+    period: quarter
+    then_rate: 1
+    rotating: true
+rules:
+  - id: capital-one-travel
+    match:
+      {
+        merchants:
+          [
+            capital-one-travel-hotels,
+            capital-one-travel-vacation-rentals,
+            capital-one-travel-car-rentals,
+            capital-one-travel-activities,
+          ],
+      }
+    rate: 5
+    note: Hotels, vacation rentals, rental cars and activities booked through Capital One Travel only. Flights booked there, and hotel incidentals or upgrades paid outside Capital One Travel, earn the base 1%.
+  - id: capital-one-entertainment
+    match: { merchants: [capital-one-entertainment] }
+    rate: 5
+    note: Tickets bought on the Capital One Entertainment ticketing platform only. Cardholder-exclusive pre-sales, tickets bought directly from Capital One Hall or Capital One Arena, and Capital One Dining are excluded.
+  # Rotating 5% categories. Activation is per quarter and isn't retroactive:
+  # only purchases from the day you activate earn 5%.
+  - id: q4-2026-restaurants
+    match: { categories: [dining] }
+    rate: 5
+    geography: us_only
+    cap: five-percent-quarterly
+    requires: { activation: true }
+    valid_from: 2026-10-01
+    valid_to: 2026-12-31
+    activate_by: 2026-12-31
+    note: Full-service restaurants, cafes, cafeterias, fast-food locations and caterers. Restaurants inside hotels or retail stores, and bakeries, may not qualify. Earns 5% only from the day you activate (any time through December 31, 2026).
+  - id: q4-2026-entertainment
+    match: { categories: [entertainment, movie_theaters] }
+    rate: 5
+    geography: us_only
+    cap: five-percent-quarterly
+    requires: { activation: true }
+    valid_from: 2026-10-01
+    valid_to: 2026-12-31
+    activate_by: 2026-12-31
+    note: Tickets at movie theaters, professional and semi-professional sports promoters, theatrical and concert promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, video rental locations, pool halls and bowling alleys. Golf courses, country clubs, some collegiate sporting events, charitable events, cable and streaming subscriptions, amusement park tickets bought on third-party sites and packages coded as travel or hotel don't count. Earns 5% only from the day you activate.
+  - id: q4-2026-utilities
+    match: { categories: [utilities, tv_internet, phone] }
+    rate: 5
+    geography: us_only
+    cap: five-percent-quarterly
+    requires: { activation: true }
+    valid_from: 2026-10-01
+    valid_to: 2026-12-31
+    activate_by: 2026-12-31
+    note: Residential electricity, natural gas and water, plus internet, cable, satellite TV and mobile and landline phone service paid by phone or online. Paying for those at a physical store, through a landlord, property manager or HOA, home fuel delivery and standalone streaming services may not qualify. Earns 5% only from the day you activate.
+intro_rates:
+  # Discover matches the cash back a new cardmember earns, paid after the
+  # match period, so every rate counts double for those 365 days.
+  - id: cashback-match
+    days: 365
+    multiply: 2
+    note: Cashback Match, for new cardmembers. Discover matches all the cash back earned from the day the account is approved through the first 365 days, with no limit, and adds it within two billing periods after; cash back processed after the match period isn't matched.
+todo:
+  - 'Discover has published only 2026 on its 5% calendar (Oct-Dec 2026 is the last quarter shown). Add 2027 quarters when Discover posts them.'
+  - Discover's 5% activation isn't retroactive (5% applies "from 10/1/26 (or the date on which you activate 5%, whichever is later)"), and you can activate until the quarter's last day. The schema's activate_by can't say that purchases before activation earn 1%; it's set to the quarter's last day and the rule notes say so.
+  - The card page's and application terms' Cashback Match terms say "through your first 365 days"; the Cashback Bonus page says "your first 12 consecutive billing periods or 365 days, whichever is longer". Modeled as 365 days, the shorter. Cash back is matched only when processed within the period, so a purchase in its last days may post too late; earnrate goes by the purchase date.
+  - Foreign transaction fee isn't stated on any Discover page or in the application terms (their fee table has no foreign transaction row). Left null; confirm with the Cardmember Agreement or Capital One.
+  - Discover says 5% purchases "must be made with merchants in the U.S." The application terms put that sentence in the general earning paragraph, so it may also apply to the 1% base and Capital One Travel; only the rotating rules are marked us_only.
+  - Amusement parks, tourist attractions, aquariums, zoos, record stores, video rental, pool halls and bowling alleys earn 5% as Q4 2026 entertainment but have no earnrate category. Golf courses, country clubs and collegiate sporting events are excluded but can't be told apart from the entertainment category.
+  - Third-party payment accounts and digital wallet transactions may not earn 5% if they don't carry a qualifying MCC. Not modeled.
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://www.discover.com/credit-cards/cash-back/it-card/
+    quote: 'Plus, earn 1% cash back on all other purchases.'
+  - rule: base_rate
+    url: https://disclosures.capitalone.com/disclosure.42300.en-US.html
+    quote: 'There is no cap to the amount of 1% rewards you can earn on purchases.'
+  - rule: capital-one-travel
+    url: https://disclosures.capitalone.com/disclosure.42300.en-US.html
+    quote: 'earn 5% cash back on purchases (hotels, vacation rentals, rental cars and activities only) made on Capital One Travel'
+  - rule: capital-one-travel
+    url: https://disclosures.capitalone.com/disclosure.42300.en-US.html
+    quote: 'such as hotel incidentals, upgrades or other expenses, will not earn 5% cash back'
+  - rule: capital-one-entertainment
+    url: https://disclosures.capitalone.com/disclosure.42300.en-US.html
+    quote: 'You will earn 5% cash back on Capital One Entertainment purchases.'
+  - rule: capital-one-entertainment
+    url: https://disclosures.capitalone.com/disclosure.42300.en-US.html
+    quote: 'and dining reservations or purchases through Capital One Dining are excluded'
+  - rule: q4-2026-restaurants
+    url: https://www.discover.com/credit-cards/cash-back/cashback-calendar.html
+    quote: 'Earn 5% Cashback Bonus at Restaurants, Entertainment and Utilities, now to December 31, 2026'
+  - rule: q4-2026-restaurants
+    url: https://www.discover.com/credit-cards/cash-back/cashback-calendar.html
+    quote: 'from 10/1/26 (or the date on which you activate 5%, whichever is later) through 12/31/26'
+  - rule: q4-2026-restaurants
+    url: https://www.discover.com/credit-cards/cash-back/cashback-calendar.html
+    quote: 'Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and caterers.'
+  - rule: q4-2026-restaurants
+    url: https://www.discover.com/credit-cards/cash-back/cashback-calendar.html
+    quote: 'Purchases must be made with merchants in the U.S.'
+  - rule: q4-2026-restaurants
+    url: https://disclosures.capitalone.com/disclosure.42300.en-US.html
+    quote: '5% category purchases over the quarterly maximum, and all other purchases, except as noted below, earn 1% cash back.'
+  - rule: q4-2026-restaurants
+    url: https://www.discover.com/credit-cards/cash-back/cashback-bonus.html
+    quote: 'NOW: Earn 5% Cashback Bonus at Restaurants, Entertainment and Utilities'
+  - rule: q4-2026-entertainment
+    url: https://www.discover.com/credit-cards/cash-back/cashback-calendar.html
+    quote: 'on up to $1,500 in purchases when you activate'
+  - rule: q4-2026-entertainment
+    url: https://www.discover.com/credit-cards/cash-back/cashback-calendar.html
+    quote: 'Entertainment purchases include ticket purchases at movie theaters, sports promoters (professional and semi-professional live events)'
+  - rule: q4-2026-entertainment
+    url: https://www.discover.com/credit-cards/cash-back/cashback-calendar.html
+    quote: 'Tickets for or fees at golf courses, country clubs, some collegiate sporting events, charitable events'
+  - rule: q4-2026-utilities
+    url: https://www.discover.com/credit-cards/cash-back/cashback-calendar.html
+    quote: 'Utilities purchases include purchases for residential electricity, natural gas, and water service.'
+  - rule: q4-2026-utilities
+    url: https://www.discover.com/credit-cards/cash-back/cashback-calendar.html
+    quote: 'purchases made over the phone or online for internet, cable, satellite TV, and mobile and landline phone service'
+  - rule: q4-2026-utilities
+    url: https://www.discover.com/credit-cards/cash-back/cashback-calendar.html
+    quote: 'Purchases at physical retail stores for internet, cable, satellite, and mobile and landline phone service do not qualify.'
+  - rule: q4-2026-utilities
+    url: https://www.discover.com/credit-cards/card-smarts/using-cashback-bonus/
+    quote: 'you need to activate to earn each quarter'
+  - rule: annual_fee
+    url: https://disclosures.capitalone.com/disclosure.42300.en-US.html
+    quote: 'Annual Fee None.'
+  - rule: annual_fee
+    url: https://www.discover.com/credit-cards/cash-back/it-card/
+    quote: 'No, there is no annual fee for the Discover it Card.'
+  - rule: welcome_offer
+    url: https://www.discover.com/credit-cards/cash-back/it-card/
+    quote: 'Earn a $200 bonus statement credit when you spend $500 in the first 3 months.'
+  - rule: welcome_offer
+    url: https://disclosures.capitalone.com/disclosure.42300.en-US.html
+    quote: 'You will receive a $200 statement credit if you spend at least $500 within 3 months'
+  - rule: welcome_offer
+    url: https://www.discover.com/credit-cards/cash-back/it-card/
+    quote: 'Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year'
+  - rule: cashback-match
+    url: https://www.discover.com/credit-cards/cash-back/it-card/
+    quote: 'Get an unlimited dollar-for-dollar match of all the cash back you earn'
+  - rule: cashback-match
+    url: https://www.discover.com/credit-cards/cash-back/it-card/
+    quote: 'There is no limit to how much we’ll match.'
+  - rule: cashback-match
+    url: https://disclosures.capitalone.com/disclosure.42300.en-US.html
+    quote: 'from the day your new account is approved through your first 365 days'
+  - rule: cashback-match
+    url: https://disclosures.capitalone.com/disclosure.42300.en-US.html
+    quote: 'We will not match: rewards that are processed after your match period ends'

package/data/cards/paypal-cashback-mastercard.yaml

@@ -0,0 +1,41 @@
+id: paypal-cashback-mastercard
+name: PayPal Cashback Mastercard
+short_name: PayPal Cashback
+color: '#1a1f2b'
+# Issued by Synchrony Bank; rewards are paid into the linked PayPal account.
+issuer: synchrony
+network: mastercard
+currency: cash
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.paypal.com/us/digital-wallet/manage-money/paypal-cashback-mastercard
+  - https://www.synchronybankterms.com/gecrbterms/html/PayPalCashbackApplyTerms_combo.htm
+  - https://www.synchronycredit.com/gecrbterms/html/PayPalCashbackRewardsTerms.htm
+base_rate: 1.5
+annual_fee: 0
+foreign_transaction_fee: 3
+todo:
+  - "3% cash back when the card is paid through your PayPal account online (PayPal checkout, or sending money to other PayPal users) isn't modeled: earnrate sees the merchant and channel, not how a purchase is paid, so every purchase gets 1.5% here."
+evidence:
+  - rule: base_rate
+    url: https://www.paypal.com/us/digital-wallet/manage-money/paypal-cashback-mastercard
+    quote: '1.5% cash back on all other purchases everywhere Mastercard is accepted.'
+  - rule: base_rate
+    url: https://www.synchronycredit.com/gecrbterms/html/PayPalCashbackRewardsTerms.htm
+    quote: '1.5%: Each Eligible Purchase made by you everywhere else that Mastercard is accepted will earn 1.5% Cash Rewards.'
+  - rule: base_rate
+    url: https://www.synchronycredit.com/gecrbterms/html/PayPalCashbackRewardsTerms.htm
+    quote: 'there is no maximum amount of Eligible Purchases that may earn Cash Rewards.'
+  - rule: annual_fee
+    url: https://www.paypal.com/us/digital-wallet/manage-money/paypal-cashback-mastercard
+    quote: 'no rotating categories, and no annual fee.'
+  - rule: annual_fee
+    url: https://www.synchronybankterms.com/gecrbterms/html/PayPalCashbackApplyTerms_combo.htm
+    quote: 'Annual Fee None Transaction Fees'
+  - rule: foreign_transaction_fee
+    url: https://www.synchronybankterms.com/gecrbterms/html/PayPalCashbackApplyTerms_combo.htm
+    quote: 'Either $10.00 or 5% of the amount of each cash advance, whichever is greater. 3% of each transaction.'
+  - rule: foreign_transaction_fee
+    url: https://www.synchronybankterms.com/gecrbterms/html/PayPalCashbackApplyTerms_combo.htm
+    quote: 'We will charge this fee for purchases or cash advances you make in currencies other than U.S. dollars'

package/data/cards/sams-club-mastercard.yaml

@@ -0,0 +1,68 @@
+id: sams-club-mastercard
+name: Sam's Club Mastercard
+color: '#1f5fa8'
+# Issued by Synchrony Bank. Rewards are Sam's Cash, loaded onto the Sam's
+# Club membership; it spends like cash at Sam's Club and can be cashed out in
+# club.
+issuer: synchrony
+network: mastercard
+currency: cash
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.synchrony.com/partner/sams-club
+  - https://www.samsclub.com/join
+base_rate: 1
+annual_fee: 0
+foreign_transaction_fee: 0
+requires_membership: sams-club # its fee is in data/memberships.yaml
+caps:
+  - id: gas-and-ev
+    amount: 6000
+    period: calendar_year
+    then_rate: 1
+rules:
+  - id: gas-and-ev-charging
+    match: { categories: [gas, ev_charging] }
+    rate: 5
+    cap: gas-and-ev
+    note: Gas anywhere Mastercard is accepted, Sam's Club's own included. Fuel sold at a grocery store's fuel station can code as the grocery store and earn 1%.
+  - id: dining
+    match: { categories: [dining] }
+    rate: 3
+    note: Dining and takeout, including fast food.
+  - id: sams-club-plus
+    match: { merchants: [sams-club] }
+    rate: 3
+    requires: { membership: sams-club-plus }
+    note: Sam's Club purchases in club and at SamsClub.com for Plus members; Club members earn 1%. Tobacco, prescriptions, gift cards and prepaid cards earn nothing.
+todo:
+  - "synchrony.com answers the source check's headless browser with HTTP 403, so the weekly check lists the page as unreachable; its quotes were read 2026-11-04 with a plain fetch and in Chrome. Re-read it by hand when the check flags this card."
+  - "Sam's Cash earned on the card is capped at $5,000 a calendar year, about $100,000 of spending at 5%; earnrate doesn't model a cap on total rewards."
+  - "The rewards terms are a PDF (scene7.samsclub.com/is/content/samsclub/sams-cash-with-mastercard), read 2026-11-04 in a browser: 3% at restaurants worldwide, excluding warehouse clubs other than Sam's Club; gas stations and EV charging by MCC."
+  - "The site's card page offers a $60 statement credit after $30 at Sam's Club within 30 days (10/28–12/2/2026); too small to model as a welcome offer."
+evidence:
+  - rule: base_rate
+    url: https://www.synchrony.com/partner/sams-club
+    quote: 'Earn 1% back in Sam’s Cash on other purchases.'
+  - rule: gas-and-ev-charging
+    url: https://www.synchrony.com/partner/sams-club
+    quote: 'Earn 5% back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%).'
+  - rule: dining
+    url: https://www.synchrony.com/partner/sams-club
+    quote: 'Earn 3% back on dining and takeout.'
+  - rule: sams-club-plus
+    url: https://www.synchrony.com/partner/sams-club
+    quote: 'Earn 3% back on Sam’s Club purchases for Plus members (Club members earn 1%).'
+  - rule: annual_fee
+    url: https://www.synchrony.com/partner/sams-club
+    quote: 'No annual fee.'
+  - rule: foreign_transaction_fee
+    url: https://www.synchrony.com/partner/sams-club
+    quote: 'No foreign transaction fees.'
+  - rule: requires_membership
+    url: https://www.synchrony.com/partner/sams-club
+    quote: 'Yes, you need to be a Sam’s Club member to apply for a Sam’s Club credit card.'
+  - rule: requires_membership
+    url: https://www.samsclub.com/join
+    quote: 'Best value Plus $120/year Club $60/year'

package/data/cards/sofi-unlimited-2.yaml

@@ -1,5 +1,6 @@
 id: sofi-unlimited-2
 name: SoFi Unlimited 2% Credit Card
+color: '#2d2f36'
 issuer: sofi
 network: mastercard
 currency: sofi-rewards

package/data/cards/td-bank-nordstrom-credit-card.yaml

@@ -1,5 +1,6 @@
 id: td-bank-nordstrom-credit-card
 name: Nordstrom Credit Card
+color: '#1a1a1a'
 issuer: td-bank
 network: store
 only_at: [nordstrom, nordstrom-rack]

package/data/cards/td-bank-nordstrom-visa.yaml

@@ -1,5 +1,6 @@
 id: td-bank-nordstrom-visa
 name: Nordstrom Visa Credit Card
+color: '#2a2a2a'
 issuer: td-bank
 network: visa
 currency: nordy-club

package/data/cards/td-bank-target-circle-card.yaml

@@ -1,5 +1,6 @@
 id: td-bank-target-circle-card
 name: Target Circle Card
+color: '#cc0000'
 issuer: td-bank
 network: store
 only_at: [target]

package/data/cards/usbank-altitude-connect.yaml

@@ -0,0 +1,150 @@
+id: usbank-altitude-connect
+name: U.S. Bank Altitude Connect Visa Signature Card
+short_name: Altitude Connect
+color: '#3c4655'
+issuer: usbank
+network: visa
+currency: usbank-altitude
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html
+  - https://onboarding.usbank.com/gateway/partner/credit-card/begin?locationCode=18569&offerId=8BB5BD89H1&sourceCode=88416&page=terms
+  - https://rewards.usbank.com/benefits/card/AltitudeConnectBenefits/program-rules
+base_rate: 1
+annual_fee: 0
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 20000
+  spend: 1000
+  months: 3
+  note: The window is 90 days from account opening, modeled as 3 months. Not available to existing or previous Altitude Connect cardmembers who received a new account bonus for it in the last five years.
+rules:
+  - id: travel-center-hotels-car-rentals
+    match:
+      {
+        merchants:
+          [usbank-travel-center-hotels, usbank-travel-center-car-rentals],
+      }
+    rate: 5
+    note: Prepaid hotels and car rentals booked in the U.S. Bank Travel Center with this card. They don't also count as travel.
+  - id: travel
+    match: { categories: [travel, transit.rideshare] }
+    exclude:
+      {
+        merchants:
+          [usbank-travel-center-hotels, usbank-travel-center-car-rentals],
+      }
+    rate: 4
+    note: Purchases made directly with airlines, hotels, car rental companies, taxis, limousines, passenger trains and cruise lines.
+  - id: passenger-trains
+    match: { merchants: [amtrak] }
+    rate: 4
+    note: Passenger trains count as travel.
+  - id: gas-ev-charging
+    match: { categories: [gas, ev_charging] }
+    exclude: { categories: [gas.grocery_store, gas.superstore] }
+    rate: 4
+    cap: { amount: 1000, period: quarter, then_rate: 1 }
+    note: Gas stations and EV charging stations, the first $1,000 each quarter. Gas at discount stores, supercenters, wholesale clubs and grocery stores earns 1X.
+  - id: dining
+    match: { categories: [dining] }
+    rate: 2
+    note: Restaurants, fast food and bars.
+  - id: grocery
+    match: { categories: [grocery.supermarket] }
+    exclude: { categories: [superstore, warehouse_club] }
+    rate: 2
+    note: Grocery stores and supermarkets. Discount stores and supercenters such as Target and Walmart, and wholesale clubs, earn 1X.
+  - id: streaming
+    match:
+      merchants:
+        [
+          amazon-music,
+          amazon-prime-video,
+          apple-music,
+          apple-tv,
+          audible,
+          directv-stream,
+          discovery-plus,
+          disney-plus,
+          espn,
+          fandango-at-home,
+          fubotv,
+          max,
+          hulu,
+          mlb-tv,
+          nba-league-pass,
+          netflix,
+          pandora,
+          paramount-plus,
+          peacock,
+          showtime,
+          siriusxm,
+          sling-tv,
+          spotify,
+          starz,
+          tidal,
+          youtube-premium,
+          youtube-tv,
+        ]
+    rate: 2
+    note: 'Qualifying streaming subscriptions: Amazon Music Unlimited, Amazon Prime Video, AMC+, Apple Music, Apple TV+, Audible, DirecTV Stream, Discovery+, Disney+, ESPN+, Fandango at Home, FanDuel Sports Network, Fubo TV, Max, Hulu, iHeart, LiveOne, Luminary, MLB TV, NBA League Pass, Netflix, Pandora, Paramount+, Peacock, Showtime, SiriusXM, Sling TV, Spotify, Starz, Stitcher, Tidal, YouTube Music, YouTube Premium and YouTube TV.'
+# Not modeled: Priority Pass lounge visits, the TSA PreCheck or Global Entry
+# credit and travel protections, which are benefits rather than points.
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://rewards.usbank.com/benefits/card/AltitudeConnectBenefits/program-rules
+    quote: 'You will earn 1 Point for every $1 in eligible Net Purchases'
+  - rule: travel-center-hotels-car-rentals
+    url: https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html
+    quote: 'on prepaid hotels and car rentals booked directly in the Travel Center when you use this card.'
+  - rule: travel-center-hotels-car-rentals
+    url: https://rewards.usbank.com/benefits/card/AltitudeConnectBenefits/program-rules
+    quote: 'are not classified as a travel category merchant transaction'
+  - rule: travel
+    url: https://rewards.usbank.com/benefits/card/AltitudeConnectBenefits/program-rules
+    quote: 'for every $1 on travel category purchases'
+  - rule: travel
+    url: https://rewards.usbank.com/benefits/card/AltitudeConnectBenefits/program-rules
+    quote: 'airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies'
+  - rule: passenger-trains
+    url: https://rewards.usbank.com/benefits/card/AltitudeConnectBenefits/program-rules
+    quote: 'airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies'
+  - rule: gas-ev-charging
+    url: https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html
+    quote: 'And 4X points at gas stations/EV charging stations* on your first $1,000 each quarter.'
+  - rule: gas-ev-charging
+    url: https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html
+    quote: 'discount stores/supercenters, wholesale clubs and grocery stores/supermarkets will earn only 1 Point'
+  - rule: dining
+    url: https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html
+    quote: '2X points on dining, streaming services and at grocery stores.'
+  - rule: dining
+    url: https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html
+    quote: 'restaurant, fast-food restaurant and bar'
+  - rule: grocery
+    url: https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html
+    quote: 'wholesale clubs and discount stores/supercenters such as Target and Walmart will earn only 1 Point'
+  - rule: streaming
+    url: https://rewards.usbank.com/benefits/card/AltitudeConnectBenefits/program-rules
+    quote: 'Qualifying streaming subscription services are: Amazon Music Unlimited, Amazon Prime Video, AMC+'
+  - rule: annual_fee
+    url: https://onboarding.usbank.com/gateway/partner/credit-card/begin?locationCode=18569&offerId=8BB5BD89H1&sourceCode=88416&page=terms
+    quote: 'Annual Membership Fee None'
+  - rule: welcome_offer
+    url: https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html
+    quote: 'Just spend $1,000 in Net Purchases in the first 90 days.'
+  - rule: welcome_offer
+    url: https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html
+    quote: 'Earn 20,000 bonus points.'
+  - rule: welcome_offer
+    url: https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html
+    quote: 'if you have received a new account bonus for this product in the last five years'
+  - rule: foreign_transaction_fee
+    url: https://onboarding.usbank.com/gateway/partner/credit-card/begin?locationCode=18569&offerId=8BB5BD89H1&sourceCode=88416&page=terms
+    quote: 'Foreign Transaction None'
+todo:
+  - 'AMC+, FanDuel Sports Network, iHeart, LiveOne, Luminary, Stitcher and YouTube Music are qualifying streaming services that earnrate has no merchant for yet.'
+  - "Passenger trains are modeled only for Amtrak, since earnrate's transit category also covers buses, tolls and parking, which U.S. Bank doesn't list as travel."

package/data/cards/usbank-altitude-go.yaml

@@ -0,0 +1,118 @@
+id: usbank-altitude-go
+name: U.S. Bank Altitude Go Visa Signature Card
+color: '#6b7f8f'
+issuer: usbank
+network: visa
+currency: usbank-altitude
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.usbank.com/credit-cards/altitude-go-visa-signature-credit-card.html
+  - https://onboarding.usbank.com/gateway/partner/credit-card/begin?locationCode=18569&offerId=HQWRM3D57Q&sourceCode=88268&page=terms
+  - https://rewards.usbank.com/benefits/card/AltitudeGoBenefits/program-rules
+base_rate: 1
+annual_fee: 0
+foreign_transaction_fee: 3
+welcome_offer:
+  points: 20000
+  spend: 1000
+  months: 3
+  note: The window is 90 days from account opening, modeled as 3 months. Not available to existing or previous Altitude Go cardmembers who received a new account bonus for it in the last five years.
+rules:
+  - id: dining
+    match: { categories: [dining] }
+    rate: 4
+    cap: { amount: 2000, period: quarter, then_rate: 1 }
+    note: Restaurants, fast food, bars, takeout and restaurant delivery. The first $2,000 each quarter, then 1X.
+  - id: grocery
+    match: { categories: [grocery.supermarket] }
+    exclude: { categories: [superstore, warehouse_club] }
+    rate: 2
+    note: Grocery stores and supermarkets. Discount stores and supercenters such as Target and Walmart, and wholesale clubs, earn 1X.
+  - id: gas-ev-charging
+    match: { categories: [gas, ev_charging] }
+    exclude: { categories: [gas.grocery_store, gas.superstore] }
+    rate: 2
+    note: Gas stations and EV charging stations. Gas at discount stores, supercenters, wholesale clubs and grocery stores earns 1X.
+  - id: streaming
+    match:
+      merchants:
+        [
+          amazon-music,
+          amazon-prime-video,
+          apple-music,
+          apple-tv,
+          audible,
+          directv-stream,
+          discovery-plus,
+          disney-plus,
+          espn,
+          fandango-at-home,
+          fubotv,
+          max,
+          hulu,
+          mlb-tv,
+          nba-league-pass,
+          netflix,
+          pandora,
+          paramount-plus,
+          peacock,
+          showtime,
+          siriusxm,
+          sling-tv,
+          spotify,
+          starz,
+          tidal,
+          youtube-premium,
+          youtube-tv,
+        ]
+    rate: 2
+    note: 'Qualifying streaming subscriptions: Amazon Music Unlimited, Amazon Prime Video, AMC+, Apple Music, Apple TV+, Audible, DirecTV Stream, Discovery+, Disney+, ESPN+, Fandango at Home, FanDuel Sports Network, Fubo TV, Max, Hulu, iHeart, LiveOne, Luminary, MLB TV, NBA League Pass, Netflix, Pandora, Paramount+, Peacock, Showtime, SiriusXM, Sling TV, Spotify, Starz, Stitcher, Tidal, YouTube Music, YouTube Premium and YouTube TV.'
+# Not modeled: the $15 streaming credit after 11 consecutive months of
+# streaming purchases.
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://rewards.usbank.com/benefits/card/AltitudeGoBenefits/program-rules
+    quote: 'You will earn 1 Point for every $1 in eligible Net Purchases'
+  - rule: dining
+    url: https://www.usbank.com/credit-cards/altitude-go-visa-signature-credit-card.html
+    quote: 'on dining, takeout and restaurant delivery on your first $2,000 each quarter'
+  - rule: dining
+    url: https://rewards.usbank.com/benefits/card/AltitudeGoBenefits/program-rules
+    quote: 'for every $1 on restaurant, fast-food restaurant and bar purchases on your first $2,000 each quarter'
+  - rule: grocery
+    url: https://rewards.usbank.com/benefits/card/AltitudeGoBenefits/program-rules
+    quote: 'Purchases at discount stores/supercenters such as Target and Walmart and wholesale clubs will earn only 1 point.'
+  - rule: grocery
+    url: https://rewards.usbank.com/benefits/card/AltitudeGoBenefits/program-rules
+    quote: 'for every $1 in grocery store and supermarket purchases'
+  - rule: gas-ev-charging
+    url: https://rewards.usbank.com/benefits/card/AltitudeGoBenefits/program-rules
+    quote: 'for every $1 on gas station and EV charging station purchases'
+  - rule: gas-ev-charging
+    url: https://rewards.usbank.com/benefits/card/AltitudeGoBenefits/program-rules
+    quote: 'discount stores/supercenters, wholesale clubs and grocery stores/supermarkets will earn only 1 Point'
+  - rule: streaming
+    url: https://rewards.usbank.com/benefits/card/AltitudeGoBenefits/program-rules
+    quote: 'for every $1 on qualifying streaming subscription service purchases'
+  - rule: streaming
+    url: https://rewards.usbank.com/benefits/card/AltitudeGoBenefits/program-rules
+    quote: 'Qualifying streaming subscription services are: Amazon Music Unlimited, Amazon Prime Video, AMC+'
+  - rule: annual_fee
+    url: https://onboarding.usbank.com/gateway/partner/credit-card/begin?locationCode=18569&offerId=HQWRM3D57Q&sourceCode=88268&page=terms
+    quote: 'Annual Membership Fee None'
+  - rule: welcome_offer
+    url: https://www.usbank.com/credit-cards/altitude-go-visa-signature-credit-card.html
+    quote: 'Just spend $1,000 in Net Purchases in the first 90 days.'
+  - rule: welcome_offer
+    url: https://www.usbank.com/credit-cards/altitude-go-visa-signature-credit-card.html
+    quote: 'Earn 20,000 bonus points.'
+  - rule: welcome_offer
+    url: https://www.usbank.com/credit-cards/altitude-go-visa-signature-credit-card.html
+    quote: 'if you have received a new account bonus for this product in the last five years'
+  - rule: foreign_transaction_fee
+    url: https://onboarding.usbank.com/gateway/partner/credit-card/begin?locationCode=18569&offerId=HQWRM3D57Q&sourceCode=88268&page=terms
+    quote: 'Foreign Transaction 3% of each foreign transaction'
+todo:
+  - 'AMC+, FanDuel Sports Network, iHeart, LiveOne, Luminary, Stitcher and YouTube Music are qualifying streaming services that earnrate has no merchant for yet.'

package/data/cards/usbank-cash-plus.yaml

@@ -1,5 +1,6 @@
 id: usbank-cash-plus
 name: U.S. Bank Cash+ Visa Signature Card
+color: '#4b6e8d'
 issuer: usbank
 network: visa
 currency: cash

package/data/cards/wells-fargo-active-cash.yaml

@@ -1,5 +1,6 @@
 id: wells-fargo-active-cash
 name: Wells Fargo Active Cash Card
+color: '#b8333a'
 issuer: wells-fargo
 network: visa
 currency: cash