earnrate 0.2.11 → 0.2.12

package/README.md

@@ -118,6 +118,16 @@ While the bonus is open and you're behind an even pace to the deadline, that car
 
 `spend`, `by` and the reward (`points`, or `dollars` for cash back) default to the card's published offer once earnrate has one; set them when your offer was different.
 
+### First-year rates
+
+Some cards earn more for a stretch after the account opens: Discover it Cash Back's Cashback Match doubles every rate for the first 365 days, and BofA Customized Cash pays 6% in its choice category for the first year. earnrate uses them only for purchases inside that window, so it needs the opening date:
+
+```sh
+earnrate update discover-it-cash-back --opened 2026-03-04
+```
+
+In the wallet file that's `opened: 2026-03-04` on the card; a tracked welcome bonus's `opened` counts too. Without a date, earnrate never assumes the card is new: it ranks it at its standard rates and says when a first-year rate would change the answer. The to-do list says when a first-year rate ends this quarter.
+
 ### Paying abroad
 
 Many cards charge a foreign transaction fee, often 3%, on every purchase outside the U.S., which can wipe out what they earn. Give the country with `--country` (two letters, like `FR`) and earnrate ranks each card after its fee, says what a card with a fee nets, and points out cards that earn extra abroad:
@@ -179,18 +189,20 @@ It totals what each card earned against the best card in your wallet for each pu
 
 ## Supported cards
 
-69 cards, each modeled from the issuer's own terms and checked weekly against them:
+90 cards, each modeled from the issuer's own terms and checked weekly against them:
 
-- **American Express:** Gold, Platinum, Blue Cash Preferred, Blue Cash Everyday, Blue Business Plus
-- **American Express airline and hotel:** Delta SkyMiles Gold, Platinum, Reserve; Hilton Honors, Surpass, Aspire; Marriott Bonvoy Brilliant, Bevy
-- **Chase:** Sapphire Preferred, Sapphire Reserve, Freedom Unlimited, Freedom Flex, Ink Business Cash, Ink Business Preferred, Prime Visa
+- **American Express:** Gold, Platinum, Blue Cash Preferred, Blue Cash Everyday, Business Gold, Business Platinum, Blue Business Plus
+- **American Express airline and hotel:** Delta SkyMiles Blue, Gold, Platinum, Reserve; Hilton Honors, Surpass, Aspire, Business; Marriott Bonvoy Brilliant, Bevy, Business
+- **Chase:** Sapphire Preferred, Sapphire Reserve, Freedom Unlimited, Freedom Flex, Freedom Rise, Ink Business Cash, Ink Business Unlimited, Ink Business Preferred, Prime Visa
 - **Chase airline and hotel:** United Gateway, Explorer, Quest, Club, Business, Club Business; Southwest Plus, Premier, Priority, Premier Business, Performance Business; Aeroplan; IHG One Rewards, Premier, Premier Select, Business; Marriott Bonvoy Boundless, Bold
-- **Citi:** Strata Elite, Strata Premier, Double Cash, Custom Cash, My Best Buy Visa, Costco Anywhere Visa (personal and business); AAdvantage MileUp, Platinum Select, Globe, Executive, Business
-- **Capital One:** Venture X, Venture, Savor, Quicksilver, Kohl's Card, Kohl's Rewards Visa
-- **Wells Fargo:** Active Cash, Autograph
-- **Bank of America:** Atmos Rewards Ascent, Summit, Business; Customized Cash Rewards
+- **Citi:** Strata Elite, Strata Premier, Strata, Double Cash, Custom Cash, My Best Buy Visa, Costco Anywhere Visa (personal and business); AAdvantage MileUp, Platinum Select, Globe, Executive, Business
+- **Capital One:** Venture X, Venture, Savor, Quicksilver, Venture X Business, Spark Cash Plus, Kohl's Card, Kohl's Rewards Visa
+- **Wells Fargo:** Active Cash, Autograph, Autograph Journey
+- **Bank of America:** Customized Cash Rewards, Unlimited Cash Rewards, Travel Rewards, Premium Rewards; Atmos Rewards Ascent, Summit, Business
 - **TD Bank:** Target Circle Card, Nordstrom card, Nordstrom Visa
-- **Others:** U.S. Bank Cash+, Discover it Cash Back, Bilt Obsidian, SoFi Unlimited 2%
+- **U.S. Bank:** Cash+, Altitude Go, Altitude Connect
+- **Bilt:** Blue, Obsidian, Palladium
+- **Others:** Discover it Cash Back, SoFi Unlimited 2%, JetBlue Plus (Barclays), PayPal Cashback Mastercard and Sam's Club Mastercard (Synchrony)
 
 Store cards (Target, Kohl's, Nordstrom) only come up at their own stores. Airline and hotel cards count only what the card itself earns, not the points a program gives members however they pay, and their perks (bags, free nights, lounges) aren't counted.
 

package/data/CHANGELOG.md

@@ -2,6 +2,116 @@
 
 Every change to card rules, merchants, categories or currencies under `data/`. Bump `data/VERSION` (`YYYY.MM.DD`, plus `.N` for a second release on the same day) and add a section here in the same commit. Each row cites the issuer page the new value came from.
 
+## 2026.11.04.8
+
+Sam's Club Mastercard (`sams-club-mastercard`, Synchrony): 5% on gas and EV charging on the first $6,000 a year, then 1%; 3% on dining and takeout; 3% at Sam's Club for Plus members (1% for Club members); 1% on everything else. No annual fee and no foreign transaction fee; it needs a Sam's Club membership. New memberships: `sams-club` (Club, $60 a year) and `sams-club-plus`. Sources: [Synchrony's Sam's Club page](https://www.synchrony.com/partner/sams-club) and [Sam's Club membership prices](https://www.samsclub.com/join), read 2026-11-04 (synchrony.com refuses the source check's headless browser, so its quotes were read with a plain fetch and in Chrome).
+
+`amex-delta-skymiles-blue` now cites Amex's standard terms page (`/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0`); the address it had returns 404. Every quote is on the new page; no rates changed.
+
+## 2026.11.04.7
+
+Nine new cards, each from the issuer's own pages, with a `color` for earnrate's drawing: Delta SkyMiles Blue, Hilton Honors Business and Marriott Bonvoy Business (Amex); Venture X Business and Spark Cash Plus (Capital One); Bilt Blue and Bilt Palladium (Bilt, issued by Column); JetBlue Plus (Barclays, a new issuer); and the PayPal Cashback Mastercard (Synchrony, a new issuer). New currency: JetBlue TrueBlue points (1.0¢, a conservative default since JetBlue publishes no cash value, up to TPG's 1.35¢). New merchants: Capital One Business Travel and its hotel, vacation rental, car rental and flight bookings, JetBlue Vacations and TrueBlue Travel. Not added: Citi Rewards+ (its page now redirects to Citi Strata and no readable Citi page states its terms), AAdvantage Aviator Red (Barclays no longer lists it; its page returns 404), Sam's Club Mastercard (samsclub.com's card page doesn't render for the source checker, and no readable page states the membership or foreign transaction fees) and the Robinhood Gold Card (waitlist only, its rewards rules are a PDF, and Robinhood states only a monthly price for the Gold membership the card requires).
+
+| Card                           | Main rates                                                                                                                                      | Fees                                                                      | Sources                                                                                                                                                                                                                                                                                                                                       |
+| ------------------------------ | ----------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
+| amex-delta-skymiles-blue       | 2x at restaurants and on Delta purchases; 1x else                                                                                               | $0 annual fee; no foreign transaction fee                                 | [1](https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-blue-american-express-card/) · [2](https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms) · [3](https://www.americanexpress.com/us/content/rewards-info/retail.html) |
+| amex-hilton-honors-business    | 12x at Hilton; 5x on everything else (first $100,000 a year), then 3x                                                                           | $195 annual fee; no foreign transaction fee                               | [1](https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/hilton-honors/) · [2](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms)                                                                          |
+| amex-marriott-bonvoy-business  | 6x at Marriott; 4x at restaurants worldwide, U.S. gas, U.S. wireless and U.S. shipping; 2x else                                                 | $125 annual fee; no foreign transaction fee                               | [1](https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/) · [2](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms)                                                   |
+| capital-one-venture-x-business | 10x on hotels and rental cars and 5x on flights and vacation rentals through Capital One Business Travel; 5x Capital One Entertainment; 2x else | $395 annual fee; no foreign transaction fee                               | [1](https://www.capitalone.com/small-business/credit-cards/venture-x-business/) · [2](https://disclosures.capitalone.com/disclosure.42243.en-US.html)                                                                                                                                                                                         |
+| capital-one-spark-cash-plus    | 5% on hotels, vacation rentals and rental cars through Capital One Business Travel; 2% else                                                     | $150 annual fee (refunded at $150,000 a year); no foreign transaction fee | [1](https://www.capitalone.com/small-business/credit-cards/spark-cash-plus/) · [2](https://disclosures.capitalone.com/disclosure.41737.en-US.html)                                                                                                                                                                                            |
+| bilt-blue                      | 3x on Bilt Travel hotels; 3x on Lyft once linked; 2x on Bilt Travel flights; 1x else                                                            | $0 annual fee; no foreign transaction fee                                 | [1](https://www.bilt.com/card/blue) · [2](https://www.bilt.com/card)                                                                                                                                                                                                                                                                          |
+| bilt-palladium                 | 4x on Bilt Travel hotels; 4x on Lyft once linked; 3x on Bilt Travel flights; 2x else                                                            | $495 annual fee; no foreign transaction fee                               | [1](https://www.bilt.com/card/palladium) · [2](https://www.bilt.com/card)                                                                                                                                                                                                                                                                     |
+| barclays-jetblue-plus          | 6x at JetBlue, JetBlue Vacations and TrueBlue Travel; 2x at restaurants and grocery stores; 1x else                                             | $99 annual fee; no foreign transaction fee                                | [1](https://cards.barclaycardus.com/banking/cards/jetblue-plus-card/) · [2](https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255)                                                                                                                                                                                                      |
+| paypal-cashback-mastercard     | 1.5% on everything (the 3% through PayPal checkout isn't modeled)                                                                               | $0 annual fee; 3% foreign transaction fee                                 | [1](https://www.paypal.com/us/digital-wallet/manage-money/paypal-cashback-mastercard) · [2](https://www.synchronybankterms.com/gecrbterms/html/PayPalCashbackApplyTerms_combo.htm) · [3](https://www.synchronycredit.com/gecrbterms/html/PayPalCashbackRewardsTerms.htm)                                                                      |
+
+## 2026.11.04.6
+
+`amex-blue-cash-preferred`'s 6% U.S. streaming rule now covers AMC+, BritBox, iHeartRadio, Kindle Unlimited, MGM+ and YouTube Music Premium, all named on Amex's [Select U.S. Streaming Subscriptions list](https://www.americanexpress.com/us/content/rewards-info/retail.html) (read 2026-11-04). They joined the merchant directory in 2026.11.04.4.
+
+## 2026.11.04.5
+
+First-year rates, as `intro_rates` on the card, applied when the wallet card's `opened` date (or its welcome bonus's) falls in the window:
+
+| Card                                      | First-year rate                                                                                                              | Source                                                                                                                                                                    |
+| ----------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
+| `discover-it-cash-back`                   | Cashback Match: every rate doubled for the first 365 days, past caps included                                                | [Discover it card page](https://www.discover.com/credit-cards/cash-back/it-card/), [Cashback Match terms](https://disclosures.capitalone.com/disclosure.42300.en-US.html) |
+| `bank-of-america-customized-cash-rewards` | An extra 3% in the choice category for 365 days, inside the $2,500 quarterly cap, with no BofA Rewards bonus on the extra 3% | [Customized Cash terms](https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/)                                                                       |
+
+Without an opening date, both rank at their standard rates.
+
+## 2026.11.04.4
+
+The merchant directory grows from 399 to 640 entries (241 added), so each gets its own `/best/<store>` page. Names come from [NRF's 2025 Top 100 Retailers](https://nrf.com/research-insights/top-retailers/top-100-retailers/top-100-retailers-2025-list), the issuers' own merchant lists below, and well-known regional and national chains in each category; no merchant data was copied from another directory. No card rules or rates changed.
+
+Categories follow the issuers' definitions, read 2026-11-04: [Chase's rewards category FAQ](https://www.chase.com/personal/credit-cards/rewards-category-faq), [Amex's retail category terms](https://www.americanexpress.com/us/content/rewards-info/retail.html) and [U.S. Bank's Cash+ sample merchants](https://cashplus.usbank.com/cash-plus/samplemerchants). Merchants that code unexpectedly are in `overrides.yaml` with a note.
+
+Amazon Prime Video moves to `overrides.yaml`: "Amazon Prime Video" used to match Amazon itself, because overrides are searched first and "Amazon" starts the name. The integrity check now resolves every merchant name, alias and domain and fails if it finds another merchant, and fails if a category word ("coffee", "gas") resolves to a merchant.
+
+| Category                                      | Added                                                                                                                                                                                                                                                                                                                                                                              | Source for the category                                                                                                                                                       |
+| --------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
+| Supermarkets                                  | Jewel-Osco, Acme Markets, Tom Thumb, Randalls, Shaw's, Star Market, Cub Foods, Schnucks, Dierbergs, Pick 'n Save, Weis Markets, Ingles Markets, Grocery Outlet, Save A Lot, Piggly Wiggly, Market Basket, Save Mart, Tops Markets, Brookshire's, Food City, Big Y, The Giant Company, Lowes Foods, Rouses Markets, H Mart, 99 Ranch Market                                         | Supermarkets; U.S. Bank's grocery list names Jewel-Osco, Cub Foods, Schnucks, Dierbergs and Pick 'n Save                                                                      |
+| Supermarkets (supercenters)                   | Meijer, Fred Meyer (overrides: may code as a superstore)                                                                                                                                                                                                                                                                                                                           | U.S. Bank calls both grocery stores; Amex: "Superstores ... are NOT considered supermarkets"                                                                                  |
+| Store pharmacies                              | Walmart Pharmacy, Kroger Pharmacy, Publix Pharmacy, H-E-B Pharmacy (overrides: code as the store, may code as a drugstore)                                                                                                                                                                                                                                                         | Chase's drugstores leave out "warehouse clubs, discount stores, or grocery stores" with an onsite pharmacy                                                                    |
+| Everything else (liquor stores)               | Total Wine & More, Spec's (overrides)                                                                                                                                                                                                                                                                                                                                              | Amex's supermarkets leave out "liquor stores"; so does Chase's online grocery                                                                                                 |
+| Gas                                           | Gulf, Murphy USA (both named by Amex), Conoco, Sinclair, Texaco, ARCO, Cenex; GetGo, Kwik Shop, Thorntons, Royal Farms, QuickChek, Stewart's Shops, Rutter's (overrides: may code as a convenience store where there are no pumps)                                                                                                                                                 | Amex's gas station examples; U.S. Bank lists Cenex. GetGo is Giant Eagle's: Chase's grocery leaves out "gas stations from merchants who also operate grocery stores"          |
+| Fast food                                     | Hardee's, Checkers & Rally's, Krystal, White Castle, Church's Texas Chicken, Wienerschnitzel, Taco John's, Captain D's, Long John Silver's, Papa Murphy's, Marco's Pizza, Jet's Pizza, Jollibee; Tim Hortons, Peet's Coffee, Caribou Coffee; Baskin-Robbins, Cold Stone Creamery                                                                                                   | Counter-service chains; U.S. Bank lists Papa Murphy's under fast food                                                                                                         |
+| Fast food (fast casual)                       | Panera Bread, CAVA, Noodles & Company, MOD Pizza, Blaze Pizza, Moe's, Potbelly, McAlister's, Jason's Deli, Freddy's, Portillo's, Smoothie King (overrides: may code as restaurants)                                                                                                                                                                                                | As for Five Guys and Shake Shack: fast-casual chains can post as fast food or as restaurants                                                                                  |
+| Restaurants                                   | Cheddar's, Perkins, Golden Corral, Logan's Roadhouse, O'Charley's, Ruth's Chris, Morton's, Fleming's, The Capital Grille, Bahama Breeze, Hard Rock Cafe, First Watch, Black Bear Diner, Huddle House, Benihana, California Pizza Kitchen, Texas de Brazil, Fogo de Chão; Smashburger (override: may code as fast food); Dave & Buster's (override: game cards may post separately) | Full-service chains; U.S. Bank lists Cheddar's, Perkins and Smashburger under restaurants                                                                                     |
+| Restaurants inside other businesses           | Madison Square Garden, Yankee Stadium, Fenway Park, Wrigley Field (entertainment); Caesars Palace, MGM Grand, The Venetian, Wynn Las Vegas, ARIA (hotels); Studio Movie Grill (movie theater) (overrides, as for Dodger Stadium, Bellagio and Alamo Drafthouse)                                                                                                                    | Chase: food sold "within facilities such as sports stadiums, hotels and casinos" isn't dining; Amex: a restaurant inside a hotel "may be recognized as a purchase at a hotel" |
+| Transit                                       | WMATA, CTA, LA Metro, SFMTA (Muni), Caltrain, MARTA, DART, TriMet, PATH, Brightline, Megabus, FlixBus                                                                                                                                                                                                                                                                              | Chase: "passenger trains, buses ... ferries"; U.S. Bank lists TriMet and Ventra                                                                                               |
+| Transit (parking and tolls)                   | PayByPhone, ParkWhiz, LAZ Parking (MCC 7523); E-ZPass, SunPass, FasTrak, TxTag (MCC 4784) (overrides)                                                                                                                                                                                                                                                                              | Chase's transit names "toll bridges and highways, and parking lots and garages"; U.S. Bank's ground transportation leaves out "parking garages and toll stations"             |
+| Rideshare                                     | Curb                                                                                                                                                                                                                                                                                                                                                                               | Chase's rideshare: "taxi, limousine, and rideshare services"                                                                                                                  |
+| Everything else (truck rental)                | U-Haul, Penske Truck Rental, Budget Truck Rental (overrides)                                                                                                                                                                                                                                                                                                                       | Chase's car rental leaves out "vehicle rentals for the purpose of hauling"                                                                                                    |
+| Flights                                       | Breeze Airways, Avelo, British Airways, Lufthansa, Air France, KLM, Emirates, Qatar Airways, Virgin Atlantic, Aer Lingus, Japan Airlines, All Nippon Airways, Singapore Airlines, Turkish Airlines, Icelandair, WestJet, Aeroméxico, Volaris                                                                                                                                       | Airlines                                                                                                                                                                      |
+| Hotels                                        | Extended Stay America, Sonesta, Omni, Loews, Four Seasons, Accor, Radisson, Drury, Great Wolf Lodge, each with its brands as aliases                                                                                                                                                                                                                                               | Hotels                                                                                                                                                                        |
+| Car rental                                    | Advantage, Europcar                                                                                                                                                                                                                                                                                                                                                                | Car rental agencies                                                                                                                                                           |
+| Cruises                                       | MSC Cruises, Holland America Line, Viking, Virgin Voyages                                                                                                                                                                                                                                                                                                                          | Cruise lines                                                                                                                                                                  |
+| Travel (agencies)                             | Trip.com, Agoda, CheapOair, Hotwire                                                                                                                                                                                                                                                                                                                                                | Chase: airline- and hotel-direct bonuses leave out "travel agencies, discount travel sites"                                                                                   |
+| Streaming                                     | AMC+, BritBox, iHeartRadio, MGM+, YouTube Music Premium; Kindle Unlimited (override: billed by Amazon)                                                                                                                                                                                                                                                                             | All on Amex's Select U.S. Streaming Subscriptions list                                                                                                                        |
+| TV and internet                               | Verizon Fios, Google Fiber, Mediacom, Astound Broadband, Kinetic by Windstream                                                                                                                                                                                                                                                                                                     | Chase: "internet, cable, satellite television"                                                                                                                                |
+| Cell phone                                    | Consumer Cellular, Straight Talk, Tracfone, Total Wireless, Spectrum Mobile; Xfinity Mobile (override, so "Xfinity" alone still means Comcast)                                                                                                                                                                                                                                     | U.S. Bank's cell phone list (Consumer Cellular, Straight Talk, TracFone, Xfinity Mobile)                                                                                      |
+| Utilities                                     | Ameren, ComEd, Xcel Energy, National Grid, Eversource, PSE&G, Entergy, SDG&E, APS, DTE Energy, PECO, Waste Management                                                                                                                                                                                                                                                              | U.S. Bank's home utilities list (Ameren, ComEd, Xcel Energy, Waste Management); Chase: "electric, household fuel, water, and sanitation"                                      |
+| Drugstores                                    | Health Mart                                                                                                                                                                                                                                                                                                                                                                        | A pharmacy network                                                                                                                                                            |
+| Movie theaters                                | Cinépolis, Megaplex Theatres, Fandango                                                                                                                                                                                                                                                                                                                                             | U.S. Bank's movie theater list (Megaplex, Fandango.com)                                                                                                                       |
+| Gyms                                          | Snap Fitness, SoulCycle, Gold's Gym, Club Pilates, F45 Training                                                                                                                                                                                                                                                                                                                    | U.S. Bank's gym list (Snap Fitness, SoulCycle); Chase's gyms include "fitness studios"                                                                                        |
+| Entertainment                                 | AXS                                                                                                                                                                                                                                                                                                                                                                                | A ticket seller for live events, like Ticketmaster                                                                                                                            |
+| Department stores                             | Neiman Marcus, Von Maur, Boscov's                                                                                                                                                                                                                                                                                                                                                  | U.S. Bank's department store list (Von Maur)                                                                                                                                  |
+| Clothing                                      | Torrid, Lane Bryant, LOFT, Chico's, Madewell, Athleta, Men's Wearhouse, Buckle, PacSun, Hot Topic                                                                                                                                                                                                                                                                                  | Clothing stores. None is on Cash+'s select clothing list, which matches by merchant                                                                                           |
+| Electronics                                   | Monoprice                                                                                                                                                                                                                                                                                                                                                                          | U.S. Bank's electronics store list                                                                                                                                            |
+| Furniture                                     | American Furniture Warehouse, Room & Board, RC Willey, Nebraska Furniture Mart, Value City Furniture, Mattress Firm                                                                                                                                                                                                                                                                | U.S. Bank's furniture list (all but Mattress Firm; it lists Mattress Warehouse)                                                                                               |
+| Sporting goods                                | Orvis, Golf Galaxy, Sportsman's Warehouse, Play It Again Sports, Dunham's Sports                                                                                                                                                                                                                                                                                                   | U.S. Bank's sporting goods list (all but Dunham's)                                                                                                                            |
+| Everything else, online retail on their sites | O'Reilly Auto Parts, Advance Auto Parts, NAPA Auto Parts, Discount Tire, Bath & Body Works, Barnes & Noble, Guitar Center, DSW, Pet Supplies Plus (overrides)                                                                                                                                                                                                                      | Amex's online retail: "U.S. retail merchant that sells physical goods", including auto, book, footwear and pet stores                                                         |
+
+## 2026.11.04.3
+
+A `color` for every card (its card face's main color, roughly) and every issuer, for earnrate's own drawings of cards on earnrate.dev; never the issuer's card art. Display only; no rates changed.
+
+## 2026.11.04.2
+
+Short names (`short_name`, at most 24 characters) for the 35 cards whose names are too long for one line of the Apple Wallet pass, like "AAdvantage Platinum" and "BofA Customized Cash". Display only; no rates changed.
+
+## 2026.11.04.1
+
+The parent `grocery` category reads "grocery stores" in sentences ("bonus at grocery stores, restaurants and American Red Cross"); its search page stays at /best/grocery. No rates changed.
+
+## 2026.11.04
+
+Eleven new cards, each from the issuer's own pages: Ink Business Unlimited and Freedom Rise (Chase); Business Gold and Business Platinum (Amex); Unlimited Cash Rewards, Travel Rewards and Premium Rewards (Bank of America, with the BofA Rewards tiers as on Customized Cash Rewards); Altitude Go and Altitude Connect (U.S. Bank); Autograph Journey (Wells Fargo); and Citi Strata. New currencies: Bank of America Travel Rewards points (1¢ as a travel and dining statement credit, 0.6¢ as cash), Bank of America Premium Rewards points (1¢) and U.S. Bank Altitude points (1¢), each at the issuer's own redemption rate. New merchants: Bank of America Travel Center, and prepaid hotels and car rentals through the U.S. Bank Travel Center. Apple Card, Amex Green and Capital One SavorOne weren't added: Apple Card's 1% rate is stated only in a PDF agreement and its 2% needs Apple Pay, which earnrate can't see; Amex no longer lists Green; SavorOne's page now redirects to Savor, already on file.
+
+| Card                                   | Main rates                                                                                                                                                                           | Fees                                        | Sources                                                                                                                                                                                                                                                                                                                    |
+| -------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
+| chase-ink-business-unlimited           | 1.5% on everything; 5% on Lyft rides through Sept 30, 2027                                                                                                                           | $0 annual fee; 3% foreign transaction fee   | [1](https://creditcards.chase.com/business-credit-cards/ink/unlimited) · [2](https://www.chase.com/personal/credit-cards/education/rewards-benefits/how-to-combine-chase-credit-card-points-in-household) · [3](https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC63749.html) |
+| chase-freedom-rise                     | 1.5% on everything                                                                                                                                                                   | $0 annual fee; 3% foreign transaction fee   | [1](https://creditcards.chase.com/cash-back-credit-cards/freedom/rise) · [2](https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65397.html)                                                                                                                                    |
+| amex-business-gold                     | 4x in the 2 of 6 categories with the most spend each billing period (first $150,000 a year); 3x on flights and prepaid hotels through Amex Travel; 1x else                           | $375 annual fee; no foreign transaction fee | [1](https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/) · [2](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms)                                                              |
+| amex-business-platinum                 | 5x on flights and prepaid hotels through Amex Travel; 2x at U.S. hardware suppliers, electronics stores and shipping (first $2 million a year); 1x else                              | $895 annual fee; no foreign transaction fee | [1](https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex/) · [2](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms)                                       |
+| bank-of-america-unlimited-cash-rewards | 1.5% on everything; 10–75% more with BofA Rewards                                                                                                                                    | $0 annual fee; 3% foreign transaction fee   | [1](https://www.bankofamerica.com/credit-cards/products/unlimited-cash-back-credit-card/) · [2](https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4082058&productoffercode=6E&locale=en_US) · [3](https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/)         |
+| bank-of-america-travel-rewards         | 3x through the Bank of America Travel Center; 1.5x else; 10–75% more with BofA Rewards                                                                                               | $0 annual fee; no foreign transaction fee   | [1](https://www.bankofamerica.com/credit-cards/products/travel-rewards-credit-card/) · [2](https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079333&productoffercode=75&locale=en_US) · [3](https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/)              |
+| bank-of-america-premium-rewards        | 2x on travel and dining; 1.5x else; 10–75% more with BofA Rewards                                                                                                                    | $95 annual fee; no foreign transaction fee  | [1](https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/) · [2](https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079485&productoffercode=UN&locale=en_US) · [3](https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/)             |
+| usbank-altitude-go                     | 4x on dining (first $2,000 a quarter); 2x on groceries, gas and EV charging, and streaming; 1x else                                                                                  | $0 annual fee; 3% foreign transaction fee   | [1](https://www.usbank.com/credit-cards/altitude-go-visa-signature-credit-card.html) · [2](https://onboarding.usbank.com/gateway/partner/credit-card/begin?locationCode=18569&offerId=HQWRM3D57Q&sourceCode=88268&page=terms) · [3](https://rewards.usbank.com/benefits/card/AltitudeGoBenefits/program-rules)             |
+| usbank-altitude-connect                | 5x on prepaid hotels and car rentals in the Travel Center; 4x on travel and on gas and EV charging (first $1,000 a quarter); 2x on dining, groceries and streaming; 1x else          | $0 annual fee; no foreign transaction fee   | [1](https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html) · [2](https://onboarding.usbank.com/gateway/partner/credit-card/begin?locationCode=18569&offerId=8BB5BD89H1&sourceCode=88416&page=terms) · [3](https://rewards.usbank.com/benefits/card/AltitudeConnectBenefits/program-rules)   |
+| wells-fargo-autograph-journey          | 5x at hotels; 4x on airlines; 3x at restaurants and on other travel; 1x else                                                                                                         | $95 annual fee; no foreign transaction fee  | [1](https://creditcards.wellsfargo.com/autograph-journey-visa-credit-card/) · [2](https://www.wellsfargo.com/credit-cards/autograph-journey-visa/terms/)                                                                                                                                                                   |
+| citi-strata                            | 5x on hotels, car rentals and attractions through Citi Travel; 3x at supermarkets, on gas, EV charging and select transit, and in a Self-Select Category; 2x at restaurants; 1x else | $0 annual fee; 3% foreign transaction fee   | [1](https://www.citi.com/credit-cards/citi-strata-credit-card) · [2](https://online.citi.com/US/nga/cards/displayterms?app=UNSOL&HKOP=694a2bccaa4fab7c7710d9d9f1f36fbac5552a971559393761b722e87102c50f)                                                                                                                    |
+
 ## 2026.11.03.6
 
 Twelve new cards, each from the issuer's own pages: Delta SkyMiles Gold, Platinum and Reserve, Hilton Honors, Surpass and Aspire, and Marriott Bonvoy Brilliant and Bevy (Amex); Marriott Bonvoy Boundless and Bold (Chase); Capital One Quicksilver; and Discover it Cash Back. New currencies: Delta SkyMiles (1.0¢, Delta's Pay with Miles rate, up to TPG's 1.2¢), Hilton Honors points (0.4¢, TPG's November 2026 valuation; Hilton publishes no cash value) and Marriott Bonvoy points (0.5¢, up to TPG's 0.75¢). New merchants: Delta Vacations, Delta Stays, Caviar, Delivery.com, E-Z, Fox, Payless and Sixt car rentals, and activities through Capital One Travel. The three Hilton cards cite their Amex terms pages at the address Amex serves them from (the first one given returned 404).

package/data/VERSION

@@ -1 +1 @@
-2026.11.03.6
+2026.11.04.8

package/data/cards/amex-blue-business-plus.yaml

@@ -1,5 +1,6 @@
 id: amex-blue-business-plus
 name: American Express Blue Business Plus Credit Card
+color: '#1f5fa8'
 issuer: amex
 network: amex
 currency: MR

package/data/cards/amex-blue-cash-everyday.yaml

@@ -1,5 +1,6 @@
 id: amex-blue-cash-everyday
 name: American Express Blue Cash Everyday Card
+color: '#4a90c8'
 issuer: amex
 network: amex
 currency: cash

package/data/cards/amex-blue-cash-preferred.yaml

@@ -1,5 +1,6 @@
 id: amex-blue-cash-preferred
 name: American Express Blue Cash Preferred Card
+color: '#1d3f7a'
 issuer: amex
 network: amex
 currency: cash
@@ -33,9 +34,11 @@ rules:
         merchants:
           [
             amazon-music,
+            amc-plus,
             apple-music,
             apple-tv,
             audible,
+            britbox,
             directv-stream,
             discovery-plus,
             disney-plus,
@@ -43,6 +46,9 @@ rules:
             fubotv,
             max,
             hulu,
+            iheartradio,
+            kindle-unlimited,
+            mgm-plus,
             mlb-tv,
             nba-league-pass,
             netflix,
@@ -55,6 +61,7 @@ rules:
             spotify,
             starz,
             tidal,
+            youtube-music,
             youtube-premium,
             youtube-tv,
           ],

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

@@ -0,0 +1,134 @@
+id: amex-business-gold
+name: American Express Business Gold Card
+color: '#c9a55c'
+issuer: amex
+network: amex
+currency: MR
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+base_rate: 1
+business: true
+annual_fee: 375
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 200000
+  spend: 15000
+  months: 3
+  varies: true
+  note: 'The public offer is "as high as" 200,000 points; Amex shows the exact amount (which may be lower, or no offer) after you apply and before you accept. Not available if you have or have had this Card or previous versions of it, and Amex may also decline based on your card history. One offer per Card Account.'
+choices:
+  # Amex picks these itself: the 2 of 6 categories with the most eligible
+  # purchases each billing period. Tell earnrate the two you expect.
+  - id: top-two
+    pick: 2
+    period: month
+    options:
+      us-advertising: [online_advertising]
+      us-electronics-software-cloud: [electronics]
+      us-restaurants: [dining]
+      us-gas-stations: [gas]
+      transit: [transit]
+      us-wireless-phone: [phone]
+caps:
+  - id: top-two
+    amount: 150000
+    period: calendar_year
+    then_rate: 1
+rules:
+  - id: top-two-us
+    match:
+      choice: top-two
+      categories: [online_advertising, electronics, dining, gas, phone]
+    exclude: { categories: [gas.grocery_store, gas.superstore] }
+    rate: 4
+    geography: us_only
+    cap: top-two
+    note: In the 2 of 6 categories with the most purchases each billing period, the first $150,000 a calendar year across both. U.S. online, TV and radio advertising; U.S. electronics stores and software and cloud providers; U.S. restaurants, including takeout and delivery; U.S. gas stations (not at superstores, supermarkets or warehouse clubs); and U.S. wireless phone service bought directly from the carrier (not Google Fi, resellers or authorized retailers).
+  - id: top-two-transit
+    match: { choice: top-two, categories: [transit] }
+    rate: 4
+    cap: top-two
+    note: When transit is one of the top 2 categories. Trains, taxis, rideshare, ferries, tolls, parking, buses and subways. Shares the $150,000 yearly cap.
+  - id: flights-prepaid-hotels-amex-travel
+    match: { merchants: [amex-travel-flights, amex-travel-hotels] }
+    rate: 3
+    note: Scheduled flights booked online at AmexTravel.com or the Amex Travel app, and prepaid hotels booked through American Express Travel. Not non-prepaid hotels, or flights or flight+hotel packages booked by phone.
+  - id: other-amex-travel
+    match:
+      {
+        merchants:
+          [amex-travel-car-rentals, amex-travel-cruises, airbnb-amex-travel],
+      }
+    rate: 2
+    note: Prepaid car rentals, cruises and prepaid Airbnb stays booked through AmexTravel.com or the Amex Travel app.
+# Not modeled: the $240 flexible business credit, the ChatGPT Business,
+# Squarespace and Walmart+ credits, and the Venue Collection, which are
+# statement credits rather than points.
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'will get at least one Membership Rewards® point for each dollar of eligible purchases'
+  - rule: top-two-us
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/
+    quote: '4X points are earned on the first $150,000 in combined purchases each calendar year.'
+  - rule: top-two-us
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'in the 2 categories (of 6) where the Card Account had the most eligible purchases each billing period'
+  - rule: top-two-us
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'purchases of online, television, and radio advertising made from media providers located in the U.S.'
+  - rule: top-two-us
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'purchases from electronic goods retailers or software and cloud system providers in the U.S.'
+  - rule: top-two-us
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'restaurants located in the U.S, including takeout and delivery'
+  - rule: top-two-us
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations'
+  - rule: top-two-us
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'monthly wireless telephone service charges made directly from a wireless telephone service provider located in the U.S.'
+  - rule: top-two-us
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'Any purchases from Google Fi, third parties, authorized retailers or resellers are excluded.'
+  - rule: top-two-transit
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'trains, taxi cabs, rideshare services, ferries, tolls, parking, buses, and subways'
+  - rule: flights-prepaid-hotels-amex-travel
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/
+    quote: 'On Flights & Pre-Paid Hotels'
+  - rule: flights-prepaid-hotels-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'Basic Card Members will get 2 additional points (for a total of 3 points)'
+  - rule: other-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'prepaid car rental reservations booked through AmexTravel.com or the Amex Travel App'
+  - rule: other-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'cruise reservations booked through AmexTravel.com'
+  - rule: other-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'prepaid short-term rental reservations booked with Airbnb through AmexTravel.com'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'The annual fee for the Business Gold Card is $375.'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/
+    quote: 'AS HIGH AS 200,000 Membership Rewards® Points'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/
+    quote: 'after you spend $15,000 in purchases on your new Card within the first 3 months of Card Membership'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'if you have or have had this Card or previous versions of this Card'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+todo:
+  - 'Software and cloud system providers count toward the electronics category, but earnrate has no software or cloud category, so only electronics stores are modeled.'
+  - "From February 17, 2027, advertising counts only when bought directly from Meta, Google, Amazon, Microsoft, GoDaddy and Yelp, and wireless only from Verizon, AT&T, T-Mobile, Frontier, Comcast, Charter, Spectrum Mobile, UScellular, Optimum, Ultra Mobile and Mint Mobile. earnrate has no way to limit a category to named merchants from a date, so this isn't modeled yet."

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

@@ -0,0 +1,115 @@
+id: amex-business-platinum
+name: The Business Platinum Card from American Express
+short_name: Amex Business Platinum
+color: '#b9bcc0'
+issuer: amex
+network: amex
+currency: MR
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+base_rate: 1
+business: true
+annual_fee: 895
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 300000
+  spend: 20000
+  months: 3
+  varies: true
+  note: 'The public offer is "as high as" 300,000 points; Amex shows the exact amount (which may be lower, or no offer) after you apply and before you accept. Not available if you have or have had this Card or previous versions of it, and Amex may also decline based on your card history.'
+caps:
+  - id: key-business-categories
+    amount: 2000000
+    period: calendar_year
+    then_rate: 1
+rules:
+  - id: flights-prepaid-hotels-amex-travel
+    match:
+      {
+        merchants:
+          [amex-travel-flights, amex-travel-hotels, airbnb-amex-travel],
+      }
+    rate: 5
+    note: Scheduled flights booked through AmexTravel.com or the Amex Travel app (not by phone), prepaid hotels booked through American Express Travel, and prepaid Airbnb stays booked through AmexTravel.com. Not charter or private flights, or flights in tours, cruises or packages.
+  - id: other-amex-travel
+    match: { merchants: [amex-travel-car-rentals, amex-travel-cruises] }
+    rate: 2
+    note: Prepaid car rentals and cruises booked through AmexTravel.com or the Amex Travel app.
+  - id: us-hardware-suppliers
+    match: { categories: [home_improvement] }
+    rate: 2
+    geography: us_only
+    cap: key-business-categories
+    note: U.S. construction material and hardware suppliers. The first $2 million a calendar year across the 2X categories, then 1X.
+  - id: us-electronics-software-cloud
+    match: { categories: [electronics] }
+    rate: 2
+    geography: us_only
+    cap: key-business-categories
+    note: U.S. electronic goods retailers and software and cloud system providers. Shares the $2 million yearly cap.
+  - id: us-shipping
+    match: { categories: [shipping] }
+    rate: 2
+    geography: us_only
+    cap: key-business-categories
+    note: U.S. shipping providers. Shares the $2 million yearly cap.
+# Not modeled: the hotel, Hilton, airline fee, CLEAR, Dell, ChatGPT, Adobe,
+# Indeed and wireless credits, the 35% Pay with Points airline bonus and
+# lounge access, which are credits or benefits rather than points earned.
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'Basic Card Members will get 1 Membership Rewards® point for each dollar charged for eligible purchases'
+  - rule: flights-prepaid-hotels-amex-travel
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex/
+    quote: 'Earn 5X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com.'
+  - rule: flights-prepaid-hotels-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'Basic Card Members will earn 4 additional points (for a total of 5 Membership Rewards points or 5x points)'
+  - rule: flights-prepaid-hotels-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'prepaid short-term rental reservations booked with Airbnb through AmexTravel.com'
+  - rule: flights-prepaid-hotels-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'Eligible air and lodging bookings do not include: charter flights, private jet flights'
+  - rule: other-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'prepaid car rental reservations booked through AmexTravel.com or the Amex Travel App'
+  - rule: other-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'will receive one (1) additional Membership Rewards® point per dollar spent on eligible cruise bookings'
+  - rule: us-hardware-suppliers
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'You get 2X Membership Rewards® points per dollar on up to two million dollars'
+  - rule: us-hardware-suppliers
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'U.S. construction material and hardware suppliers'
+  - rule: us-electronics-software-cloud
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'U.S. electronic goods retailers and software & cloud system providers'
+  - rule: us-shipping
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'at U.S. shipping providers, or (4) eligible purchases of $5,000 or more'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'The annual fee for the Business Platinum Card® is $895.'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex/
+    quote: 'AS HIGH AS 300,000 Membership Rewards® Points'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex/
+    quote: 'after you spend $20,000 in purchases on your new Card within the first 3 months of Card Membership'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'if you have or have had this Card or previous versions of this Card'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+todo:
+  - "Any eligible purchase of $5,000 or more earns 2X (inside the same $2 million yearly cap). earnrate has no rule condition on purchase size, so this isn't modeled."
+  - "Software and cloud system providers count toward the electronics category, but earnrate has no software or cloud category, so only electronics stores are modeled. Construction material and hardware suppliers are modeled as earnrate's home improvement category."
+  - 'From February 17, 2027, U.S. shipping providers count only when bought directly from UPS, FedEx, USPS, Auctane, DHL, Worldwide Express and Old Dominion Freight Line. Not modeled yet.'