earnrate 0.2.11 → 0.2.12

package/data/cards/amex-delta-skymiles-blue.yaml

@@ -0,0 +1,91 @@
+id: amex-delta-skymiles-blue
+name: Delta SkyMiles Blue American Express Card
+short_name: Delta SkyMiles Blue
+color: '#3d6fa8'
+issuer: amex
+network: amex
+currency: delta-skymiles
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-blue-american-express-card/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+  - https://www.americanexpress.com/us/content/rewards-info/retail.html
+base_rate: 1
+annual_fee: 0
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 10000
+  spend: 1000
+  months: 6
+  not_with:
+    [
+      amex-delta-skymiles-gold,
+      amex-delta-skymiles-platinum,
+      amex-delta-skymiles-reserve,
+    ]
+  note: 'No end date given. Amex: "You may not be eligible to receive a welcome offer if you have or have had this Card, the Delta SkyMiles® Options Credit Card, the Delta SkyMiles® Gold American Express Card, the Delta SkyMiles® Platinum American Express Card, the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards." Amex may also decline based on your card history.'
+rules:
+  - id: restaurants
+    match: { categories: [dining] }
+    exclude: { merchants: [dodger-stadium, bellagio], mccs: [5813] }
+    rate: 2
+    note: Worldwide, including takeout; third-party delivery counts only in the U.S. Not at restaurants inside hotels, casinos or event venues, or at bars, nightclubs, cafeterias and convenience stores.
+  - id: delta
+    match: { merchants: [delta, delta-vacations, delta-stays] }
+    rate: 2
+    note: Charged directly with Delta as merchant of record (delta.com, the Fly Delta app, phone, ticket counters), including Basic Economy fares, upgrades, seats, Sky Club membership, Delta-operated in-flight food and drinks, Delta Vacations packages and new Delta Stays bookings. Not Delta gift cards, deltashop.com, the Delta Flight Museum or in-flight Wi-Fi.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: '1x Mile on eligible purchases: Basic Card Members will earn 1 mile for each dollar'
+  - rule: restaurants
+    url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-blue-american-express-card/
+    quote: 'At restaurants, including takeout and delivery in the U.S.'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: '2x Miles at Restaurants: Basic Card Members will earn 1 additional mile'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: 'Card Account charged at restaurants worldwide.'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: 'will not earn additional miles for purchases at bars, nightclubs, cafeterias, and convenience stores'
+  - rule: restaurants
+    url: https://www.americanexpress.com/us/content/rewards-info/retail.html
+    quote: 'fast food restaurants are included in the global restaurants rewards category'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: '2x Miles on Delta Purchases: Basic Card Members will earn 1 additional mile'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: 'charged directly with Delta where Delta is the merchant of record'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: 'Delta Purchases do not include Delta Gift Cards and purchases made at deltashop.com'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: 'Delta Purchases include Delta Vacations® packages but not other all-inclusive packages.'
+  - rule: delta
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: 'Delta Purchases include new Delta Stays prepaid hotel or vacation rental bookings'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-blue-american-express-card/
+    quote: 'Annual Fee: No Annual Fee'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: 'Annual Fee $0 Transaction Fees'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-blue-american-express-card/
+    quote: 'after you spend $1,000 on eligible purchases on your new Card within your first 6 months'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: 'To qualify for the 10,000 bonus miles, you must make eligible purchases'
+  - rule: not_with
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: 'the Delta SkyMiles® Gold American Express Card, the Delta SkyMiles® Platinum American Express Card'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+todo:
+  - Not modeled (statement credits and perks, not miles per dollar) 20% back as a statement credit on Delta in-flight food and drinks, and Pay with Miles ($50 off a Delta fare for every 5,000 miles).

package/data/cards/amex-delta-skymiles-gold.yaml

@@ -1,5 +1,7 @@
 id: amex-delta-skymiles-gold
 name: Delta SkyMiles Gold American Express Card
+short_name: Delta SkyMiles Gold
+color: '#c9a24f'
 issuer: amex
 network: amex
 currency: delta-skymiles

package/data/cards/amex-delta-skymiles-platinum.yaml

@@ -1,5 +1,7 @@
 id: amex-delta-skymiles-platinum
 name: Delta SkyMiles Platinum American Express Card
+short_name: Delta SkyMiles Platinum
+color: '#a9abae'
 issuer: amex
 network: amex
 currency: delta-skymiles

package/data/cards/amex-delta-skymiles-reserve.yaml

@@ -1,5 +1,7 @@
 id: amex-delta-skymiles-reserve
 name: Delta SkyMiles Reserve American Express Card
+short_name: Delta SkyMiles Reserve
+color: '#2b2d33'
 issuer: amex
 network: amex
 currency: delta-skymiles

package/data/cards/amex-gold.yaml

@@ -1,5 +1,6 @@
 id: amex-gold
 name: American Express Gold Card
+color: '#d4af6a'
 issuer: amex
 network: amex
 currency: MR

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

@@ -1,5 +1,7 @@
 id: amex-hilton-honors-aspire
 name: Hilton Honors American Express Aspire Card
+short_name: Hilton Honors Aspire
+color: '#22283a'
 issuer: amex
 network: amex
 currency: hilton-honors

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

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

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

@@ -1,5 +1,7 @@
 id: amex-hilton-honors-surpass
 name: Hilton Honors American Express Surpass Card
+short_name: Hilton Honors Surpass
+color: '#9aa3ad'
 issuer: amex
 network: amex
 currency: hilton-honors

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

@@ -1,5 +1,7 @@
 id: amex-hilton-honors
 name: Hilton Honors American Express Card
+short_name: Amex Hilton Honors
+color: '#6d8fb3'
 issuer: amex
 network: amex
 currency: hilton-honors

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

@@ -1,5 +1,7 @@
 id: amex-marriott-bonvoy-bevy
 name: Marriott Bonvoy Bevy American Express Card
+short_name: Marriott Bonvoy Bevy
+color: '#6e6259'
 issuer: amex
 network: amex
 currency: marriott-bonvoy

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

@@ -1,5 +1,7 @@
 id: amex-marriott-bonvoy-brilliant
 name: Marriott Bonvoy Brilliant American Express Card
+short_name: Bonvoy Brilliant
+color: '#2a2a2e'
 issuer: amex
 network: amex
 currency: marriott-bonvoy

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

@@ -0,0 +1,116 @@
+id: amex-marriott-bonvoy-business
+name: Marriott Bonvoy Business American Express Card
+short_name: Marriott Bonvoy Business
+color: '#3a3a3e'
+issuer: amex
+network: amex
+currency: marriott-bonvoy
+business: true
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+base_rate: 2
+annual_fee: 125
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 100000
+  spend: 8000
+  months: 6
+  valid_to: 2026-11-04
+  note: 'Plus a Free Night Award (up to 50,000 points), which earnrate does not value. Amex: "You may not be eligible to receive a welcome offer if you have or have had this Card or the Starwood Preferred Guest® Business Credit Card from American Express or previous versions of these Cards," and may also decline based on your card history. Also not available to anyone who had a Marriott business card from Chase in the last 30 days, opened the Marriott Bonvoy Bountiful, Boundless or Bold card from Chase in the last 90 days, or got a new Card Member bonus on one of those Chase cards in the last 24 months.'
+rules:
+  - id: marriott-hotels
+    match: { merchants: [marriott] }
+    rate: 6
+    note: Charged directly with participating Marriott Bonvoy hotels, standalone Marriott retail stores and Marriott online stores (including Marriott gift cards online). Marriott's own member and elite points for stays aren't card earnings.
+  - id: restaurants
+    match: { categories: [dining] }
+    rate: 4
+    note: Charged directly at restaurants worldwide; a restaurant inside a hotel, casino or event venue may code as that place instead.
+  - id: us-gas
+    match: { categories: [gas] }
+    rate: 4
+    geography: us_only
+    note: Gasoline at U.S. gas stations.
+  - id: us-wireless
+    match: { categories: [phone] }
+    rate: 4
+    geography: us_only
+    note: Wireless phone service bought directly from a U.S. provider. Not Google Fi.
+  - id: us-shipping
+    match: { categories: [shipping] }
+    rate: 4
+    geography: us_only
+    note: Shipping bought from U.S. merchants.
+milestones:
+  - id: free-night-60k
+    spend: 60000
+    period: calendar_year
+    rewards:
+      - Marriott Bonvoy Free Night Award (up to 35,000 points)
+    note: Basic Card Member only, though Additional Card purchases count. Deposited 8-12 weeks after you reach $60,000; expires a year after it's issued.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'You will receive 2 Marriott Bonvoy® points for each U.S. dollar of eligible purchases'
+  - rule: marriott-hotels
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/
+    quote: 'Per dollar on eligible purchases at hotels participating in Marriott Bonvoy®.'
+  - rule: marriott-hotels
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'You will receive 4 additional points (for a total of 6 points)'
+  - rule: marriott-hotels
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'standalone Marriott branded retail establishments, and Marriott branded online stores'
+  - rule: restaurants
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/
+    quote: 'at restaurants worldwide, at U.S. gas stations, on wireless telephone services'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'You will receive 2 additional points (for a total of 4 points)'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'when charged directly at restaurants worldwide'
+  - rule: us-gas
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'on gasoline at U.S. gas stations'
+  - rule: us-wireless
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'on wireless telephone services purchased directly from U.S. service providers (excludes Google Fi)'
+  - rule: us-shipping
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'on purchases made from merchants in the U.S. for shipping'
+  - rule: us-shipping
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/
+    quote: 'purchased directly from U.S. service providers and on U.S. purchases for shipping.'
+  - rule: free-night-60k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'total eligible purchases on the Marriott Bonvoy Business® American Express® Card reach $60,000'
+  - rule: free-night-60k
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/
+    quote: 'earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year.'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/
+    quote: 'Annual Fee: $125'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'Annual Fee $125 Transaction Fees'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/
+    quote: 'Earn 100,000 Marriott Bonvoy® Bonus Points and 1 Free Night Award'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'after you spend $8,000 or more (the “Threshold Amount”) in eligible purchases'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'Offer ends 11/4/2026 at 11:59 PM MST.'
+todo:
+  - The welcome offer ends 11/04/2026; re-check the card page for the next one.
+  - The welcome offer's Free Night Award isn't valued; a welcome offer holds only points.
+  - Not modeled (perks, not points per dollar) the yearly Free Night Award after each renewal, 15 Elite Night Credits a year, complimentary Gold Elite status and the 7% Amex Business Card Rate discount.
+  - The terms don't say whether gas at superstores or warehouse clubs counts as a U.S. gas station, so it isn't excluded.

package/data/cards/amex-platinum.yaml

@@ -1,5 +1,6 @@
 id: amex-platinum
 name: The Platinum Card from American Express
+color: '#c7c9cc'
 issuer: amex
 network: amex
 currency: MR

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

@@ -1,5 +1,6 @@
 id: bank-of-america-atmos-rewards-ascent
 name: Atmos Rewards Ascent Visa Signature Credit Card
+color: '#1b3a5c'
 issuer: bank-of-america
 network: visa
 currency: atmos-points

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

@@ -1,5 +1,7 @@
 id: bank-of-america-atmos-rewards-business
 name: Atmos Rewards Visa Signature Business Card
+short_name: Atmos Rewards Business
+color: '#2a4a6b'
 issuer: bank-of-america
 network: visa
 currency: atmos-points

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

@@ -1,5 +1,6 @@
 id: bank-of-america-atmos-rewards-summit
 name: Atmos Rewards Summit Visa Infinite Credit Card
+color: '#1a1f2b'
 issuer: bank-of-america
 network: visa
 currency: atmos-points

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

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

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

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