earnrate 0.2.11 → 0.2.12

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

@@ -0,0 +1,123 @@
+id: bank-of-america-travel-rewards
+name: Bank of America Travel Rewards Credit Card
+short_name: BofA Travel Rewards
+color: '#7a1f2b'
+issuer: bank-of-america
+# Bank of America's terms carry only the Visa and Visa Signature trademark
+# notice, so the network is Visa.
+network: visa
+currency: bofa-travel-rewards
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.bankofamerica.com/credit-cards/products/travel-rewards-credit-card/
+  - https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079333&productoffercode=75&locale=en_US
+  - https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+base_rate: 1.5
+annual_fee: 0
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 25000
+  spend: 1000
+  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-center
+    match: { merchants: [bofa-travel-center] }
+    rate: 3
+    note: Purchases made through Bank of America's Travel Center, with no limit.
+  # BofA Rewards members earn a tier bonus on all points: 10% for Member,
+  # 25% Preferred Plus, 50% Preferred Honors, 75% Premier.
+  - id: travel-center-bofa-rewards-member
+    match: { merchants: [bofa-travel-center] }
+    rate: 3.3
+    requires: { membership: bofa-rewards-member }
+    note: 3x 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-center-bofa-rewards-preferred-plus
+    match: { merchants: [bofa-travel-center] }
+    rate: 3.75
+    requires: { membership: bofa-rewards-preferred-plus }
+    note: 3x 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-center-bofa-rewards-preferred-honors
+    match: { merchants: [bofa-travel-center] }
+    rate: 4.5
+    requires: { membership: bofa-rewards-preferred-honors }
+    note: 3x 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-center-bofa-rewards-premier
+    match: { merchants: [bofa-travel-center] }
+    rate: 5.25
+    requires: { membership: bofa-rewards-premier }
+    note: 3x 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.
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://www.bankofamerica.com/credit-cards/products/travel-rewards-credit-card/
+    quote: 'Earn unlimited 1.5 points for every $1 you spend on everyday purchases'
+  - rule: travel-center
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079333&productoffercode=75&locale=en_US
+    quote: 'Earn 3 points (consisting of 1.5 bonus points and 1.5 base points)'
+  - rule: travel-center
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079333&productoffercode=75&locale=en_US
+    quote: 'for every $1 in Net Purchases, made through the Travel Center'
+  - rule: travel-center-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-center-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-center-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-center-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-center-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=4079333&productoffercode=75&locale=en_US
+    quote: 'Annual Fee None'
+  - rule: welcome_offer
+    url: https://www.bankofamerica.com/credit-cards/products/travel-rewards-credit-card/
+    quote: '25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days'
+  - rule: welcome_offer
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079333&productoffercode=75&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=4079333&productoffercode=75&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.'
+  - 'Bank of America says the BofA Rewards bonus doesn''t apply to "the bonus earn for certain programs" without naming them, so whether it applies to the Travel Center''s extra 1.5 points is unclear. The tier rules apply it to all 3 points, as Bank of America''s own BofA Rewards table does (3.3% to 5.25% on Travel Center purchases).'

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

@@ -0,0 +1,83 @@
+id: bank-of-america-unlimited-cash-rewards
+name: Bank of America Unlimited Cash Rewards Credit Card
+short_name: BofA Unlimited Cash
+color: '#9b1b30'
+issuer: bank-of-america
+# Bank of America's terms carry only the Visa and Visa Signature trademark
+# notice, so the network is Visa.
+network: visa
+currency: cash
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.bankofamerica.com/credit-cards/products/unlimited-cash-back-credit-card/
+  - https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4082058&productoffercode=6E&locale=en_US
+  - https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+base_rate: 1.5
+annual_fee: 0
+foreign_transaction_fee: 3
+welcome_offer:
+  dollars: 250
+  spend: 1000
+  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:
+  # BofA Rewards members earn a tier bonus on all cash back: 10% for Member,
+  # 25% Preferred Plus, 50% Preferred Honors, 75% Premier.
+  - id: everything-bofa-rewards-member
+    match: { any: true }
+    rate: 1.65
+    requires: { membership: bofa-rewards-member }
+    note: 1.5% plus the 10% BofA Rewards Member bonus.
+  - id: everything-bofa-rewards-preferred-plus
+    match: { any: true }
+    rate: 1.875
+    requires: { membership: bofa-rewards-preferred-plus }
+    note: 1.5% plus the 25% BofA Rewards Preferred Plus bonus.
+  - id: everything-bofa-rewards-preferred-honors
+    match: { any: true }
+    rate: 2.25
+    requires: { membership: bofa-rewards-preferred-honors }
+    note: 1.5% plus the 50% BofA Rewards Preferred Honors bonus.
+  - id: everything-bofa-rewards-premier
+    match: { any: true }
+    rate: 2.625
+    requires: { membership: bofa-rewards-premier }
+    note: 1.5% plus the 75% BofA Rewards Premier bonus.
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://www.bankofamerica.com/credit-cards/products/unlimited-cash-back-credit-card/
+    quote: 'Earn unlimited 1.5% cash back on all purchases'
+  - rule: base_rate
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4082058&productoffercode=6E&locale=en_US
+    quote: 'Earn 1.5% cash back (equal to $0.015 for every $1) on all Net Purchases'
+  - 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: 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: 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: 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: everything-bofa-rewards-member
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: 'a $100 purchase that earns 3% ($3.00) will actually earn $3.30'
+  - rule: annual_fee
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4082058&productoffercode=6E&locale=en_US
+    quote: 'Annual Fee None'
+  - rule: welcome_offer
+    url: https://www.bankofamerica.com/credit-cards/products/unlimited-cash-back-credit-card/
+    quote: 'Online $250 cash rewards bonus after making at least $1,000 in purchases in the first 90 days'
+  - rule: welcome_offer
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4082058&productoffercode=6E&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=4082058&productoffercode=6E&locale=en_US
+    quote: 'Foreign Transaction 3% of the U.S. dollar amount of each transaction'
+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.'

package/data/cards/barclays-jetblue-plus.yaml

@@ -0,0 +1,86 @@
+id: barclays-jetblue-plus
+name: JetBlue Plus Card
+color: '#1e3a6b'
+issuer: barclays
+network: mastercard # World Elite Mastercard
+currency: trueblue-points
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://cards.barclaycardus.com/banking/cards/jetblue-plus-card/
+  # The card page's "Terms and Conditions" link (rates, fees and Reward Rules).
+  - https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255
+base_rate: 1
+annual_fee: 99
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 60000
+  spend: 1000
+  months: 3
+  note: 'Within 90 days of account opening, and the $99 annual fee must also be paid in full within those 90 days (paying only the minimum each month may not cover it). Not for current or previous JetBlue Plus cardmembers; Barclays may also decline for suspected abusive or gaming activity.'
+rules:
+  - id: jetblue
+    match: { merchants: [jetblue, jetblue-vacations, trueblue-travel] }
+    rate: 6
+    note: Billed by JetBlue or JetBlue Vacations as merchant of record through their own channels (jetblue.com, reservations, airport counters, jetbluevacations.com), and travel booked at truebluetravel.com. Not buying TrueBlue points, hotels or cars outside a JetBlue Vacations package, or TrueBlue Travel pay-later hotels, international car rentals, insurance and fees.
+  - id: restaurants
+    match: { categories: [dining] }
+    rate: 2
+    note: Restaurants, bars and fast food, by merchant category code. Paying with a mobile wallet, a third-party payment account or a merchant's mobile card reader may not earn the bonus.
+  - id: grocery
+    match: { categories: [grocery.supermarket] }
+    exclude: { categories: [superstore, warehouse_club] }
+    rate: 2
+    note: Grocery stores and supermarkets, by merchant category code. Warehouse-type stores like Target and Walmart generally don't count.
+evidence:
+  - rule: base_rate
+    url: https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255
+    quote: 'You earn 1 TrueBlue point for every $1 spent on all other Net Purchases'
+  - rule: base_rate
+    url: https://cards.barclaycardus.com/banking/cards/jetblue-plus-card/
+    quote: '1X points on all other purchases'
+  - rule: jetblue
+    url: https://cards.barclaycardus.com/banking/cards/jetblue-plus-card/
+    quote: '6X points on eligible JetBlue purchases'
+  - rule: jetblue
+    url: https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255
+    quote: 'made with your Card Account on TrueBlue Travel purchases.'
+  - rule: jetblue
+    url: https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255
+    quote: 'You earn 6 TrueBlue points for every $1 spent on eligible Net Purchases'
+  - rule: jetblue
+    url: https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255
+    quote: 'Purchasing TrueBlue points does not qualify as JetBlue Purchases.'
+  - rule: jetblue
+    url: https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255
+    quote: 'Eligible TrueBlue Travel purchases must be booked directly through truebluetravel.com.'
+  - rule: restaurants
+    url: https://cards.barclaycardus.com/banking/cards/jetblue-plus-card/
+    quote: '2X points at restaurants and eligible grocery stores'
+  - rule: restaurants
+    url: https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255
+    quote: 'Qualifying restaurant purchases are defined as: Restaurants, Bars and Fast-Food Restaurants.'
+  - rule: grocery
+    url: https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255
+    quote: 'Qualifying grocery store purchases are categorized as Grocery Stores and Supermarkets.'
+  - rule: grocery
+    url: https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255
+    quote: 'large warehouse-type stores, such as Target® and Walmart® are generally not classified as grocery stores'
+  - rule: annual_fee
+    url: https://cards.barclaycardus.com/banking/cards/jetblue-plus-card/
+    quote: 'Annual Fee is $99.'
+  - rule: annual_fee
+    url: https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255
+    quote: 'Annual Fee $99 Transaction Fees'
+  - rule: welcome_offer
+    url: https://cards.barclaycardus.com/banking/cards/jetblue-plus-card/
+    quote: 'after spending $1,000 on purchases and paying the annual fee in full, both within the first 90 days'
+  - rule: welcome_offer
+    url: https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255
+    quote: 'Earn 60,000 bonus TrueBlue points after spending $1,000 on purchases'
+  - rule: foreign_transaction_fee
+    url: https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255
+    quote: 'Foreign Transaction 0% of each transaction in U.S. dollars.'
+todo:
+  - Not modeled (perks, not points per dollar) the 5,000-point anniversary bonus, 10% of points back on JetBlue Award Flights, 50% off inflight food and drink, the free first checked bag and the yearly $100 JetBlue Vacations statement credit.
+  - Card spending earns Mosaic tiles toward JetBlue elite status, which isn't modeled.

package/data/cards/bilt-blue.yaml

@@ -0,0 +1,60 @@
+id: bilt-blue
+name: Bilt Blue Card
+color: '#2f5fa0'
+# Issued by Column N.A. and serviced by Cardless; Bilt runs the rewards.
+# Full earning terms are in the Bilt Card Offer Terms PDF, which the source
+# checker can't read, so they're not in source_urls.
+issuer: column
+network: mastercard # World Elite Mastercard, per the card page's FAQ
+currency: BILT
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.bilt.com/card/blue
+  - https://www.bilt.com/card
+base_rate: 1
+annual_fee: 0
+foreign_transaction_fee: 0
+rules:
+  - id: bilt-travel-hotels
+    match: { merchants: [bilt-travel-hotels] }
+    rate: 3
+    note: 1X card earn plus 2 Bilt Travel Portal bonus points on hotels booked at biltrewards.com/travel.
+  - id: bilt-travel-flights
+    match: { merchants: [bilt-travel-flights] }
+    rate: 2
+    note: 1X card earn plus 1 Bilt Travel Portal bonus point on flights booked at biltrewards.com/travel.
+  - id: lyft
+    match: { merchants: [lyft] }
+    rate: 3
+    requires: { activation: true }
+    note: 1X card earn plus 2X Bilt bonus on eligible rides after linking Bilt and Lyft accounts in the Bilt app. Uncapped.
+todo:
+  - Rent and mortgage paid through Bilt earn 0.5X-1.25X depending on the cycle's everyday spend as a share of the housing payment (25%/50%/75%/100% give 0.5X/0.75X/1X/1.25X; below 25% a flat 250 points). earnrate has no housing category or spend-ratio rule.
+  - Bilt Neighborhood Dining restaurants add a per-restaurant bonus (up to 4X total). It varies by restaurant, so it isn't modeled.
+  - 'Welcome offer not modeled: the page offers $100 in Bilt Cash, a second currency (not BILT points or cash), with no spend required.'
+evidence:
+  - rule: base_rate
+    url: https://www.bilt.com/card/blue
+    quote: '2X on flights through Bilt Travel. 1X on everything else.'
+  - rule: bilt-travel-hotels
+    url: https://www.bilt.com/card/blue
+    quote: 'the Blue Card earns +2X on hotel bookings and +1X on flights'
+  - rule: bilt-travel-hotels
+    url: https://www.bilt.com/card/blue
+    quote: 'That means 3X total on hotels and 2X total on flights booked at biltrewards.com/travel'
+  - rule: bilt-travel-flights
+    url: https://www.bilt.com/card/blue
+    quote: 'That means 3X total on hotels and 2X total on flights booked at biltrewards.com/travel'
+  - rule: lyft
+    url: https://www.bilt.com/card/blue
+    quote: 'for 3X total Bilt Points per dollar on Lyft'
+  - rule: lyft
+    url: https://www.bilt.com/card/blue
+    quote: 'On Lyft, link your Bilt and Lyft accounts in the Bilt app.'
+  - rule: annual_fee
+    url: https://www.bilt.com/card/blue
+    quote: 'The Bilt Blue Card is a $0 annual fee World Elite Mastercard.'
+  - rule: foreign_transaction_fee
+    url: https://www.bilt.com/card/blue
+    quote: '$0 annual fee; no foreign transaction fees; no transaction fee on housing payments'

package/data/cards/bilt-obsidian.yaml

@@ -1,5 +1,6 @@
 id: bilt-obsidian
 name: Bilt Obsidian Card
+color: '#1a1a1a'
 # Issued by Column N.A. and serviced by Cardless; Bilt runs the rewards.
 # Full earning terms: https://www.bilt.com/terms/bilt-card-offer-terms (PDF,
 # not in source_urls because the source checker can't read PDFs).

package/data/cards/bilt-palladium.yaml

@@ -0,0 +1,76 @@
+id: bilt-palladium
+name: Bilt Palladium Card
+color: '#8a8d91'
+# Issued by Column N.A. and serviced by Cardless; Bilt runs the rewards.
+# Full earning terms are in the Bilt Card Offer Terms PDF, which the source
+# checker can't read, so they're not in source_urls.
+issuer: column
+network: mastercard # World Legend Mastercard, per the card page's FAQ
+currency: BILT
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.bilt.com/card/palladium
+  - https://www.bilt.com/card
+base_rate: 2
+annual_fee: 495
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 50000
+  spend: 4000
+  months: 3
+  note: 'Within 90 days of account opening, on purchases other than rent or mortgage. Also Bilt Gold status and $300 in Bilt Cash on approval, which earnrate does not value. For new Bilt Card 2.0 cardholders.'
+rules:
+  - id: bilt-travel-hotels
+    match: { merchants: [bilt-travel-hotels] }
+    rate: 4
+    note: 2X card earn plus 2 Bilt Travel Portal bonus points on hotels booked at biltrewards.com/travel.
+  - id: bilt-travel-flights
+    match: { merchants: [bilt-travel-flights] }
+    rate: 3
+    note: 2X card earn plus 1 Bilt Travel Portal bonus point on flights booked at biltrewards.com/travel.
+  - id: lyft
+    match: { merchants: [lyft] }
+    rate: 4
+    requires: { activation: true }
+    note: 2X card earn plus 2X Bilt bonus on eligible rides after linking Bilt and Lyft accounts in the Bilt app. Uncapped.
+# Not modeled on purpose: the $400 Bilt Travel Hotel credit, $200 annual Bilt
+# Cash and Priority Pass.
+todo:
+  - Rent and mortgage paid through Bilt earn 0.5X-1.25X depending on the cycle's everyday spend as a share of the housing payment (25%/50%/75%/100% give 0.5X/0.75X/1X/1.25X; below 25% a flat 250 points). earnrate has no housing category or spend-ratio rule.
+  - Bilt Neighborhood Dining restaurants add a per-restaurant bonus (usually +2-3X, up to 5X total). It varies by restaurant, so it isn't modeled.
+  - Point Accelerator (spend $200 Bilt Cash for +1X on the next $5,000, up to five times a year) isn't modeled.
+evidence:
+  - rule: base_rate
+    url: https://www.bilt.com/card/palladium
+    quote: '4X on Lyft, 2X points on all everyday purchases'
+  - rule: bilt-travel-hotels
+    url: https://www.bilt.com/card/palladium
+    quote: 'the Palladium Card earns +2X on hotels and +1X on flights stacked on top of its 2X base rate.'
+  - rule: bilt-travel-hotels
+    url: https://www.bilt.com/card/palladium
+    quote: 'That delivers 4X total on hotels and 3X total on flights booked at biltrewards.com/travel.'
+  - rule: bilt-travel-flights
+    url: https://www.bilt.com/card/palladium
+    quote: 'That delivers 4X total on hotels and 3X total on flights booked at biltrewards.com/travel.'
+  - rule: lyft
+    url: https://www.bilt.com/card/palladium
+    quote: 'you earn 4X total Bilt Points per dollar on Lyft'
+  - rule: lyft
+    url: https://www.bilt.com/card/palladium
+    quote: 'On Lyft, link your Bilt and Lyft accounts to earn an additional 2X per dollar'
+  - rule: annual_fee
+    url: https://www.bilt.com/card/palladium
+    quote: '$495 annual fee'
+  - rule: annual_fee
+    url: https://www.bilt.com/card
+    quote: 'Annual fee $0 $95 $495'
+  - rule: welcome_offer
+    url: https://www.bilt.com/card/palladium
+    quote: 'After you spend $4,000 on purchases (excluding rent or mortgage) in your first 90 days.'
+  - rule: welcome_offer
+    url: https://www.bilt.com/card/palladium
+    quote: '50,000 Bilt Points and Bilt Gold elite status are earned after spending $4,000'
+  - rule: foreign_transaction_fee
+    url: https://www.bilt.com/card/palladium
+    quote: 'No foreign transaction fees'

package/data/cards/capital-one-kohls-card.yaml

@@ -1,5 +1,6 @@
 id: capital-one-kohls-card
 name: Kohl's Credit Card
+color: '#444a55'
 issuer: capital-one
 network: store
 only_at: [kohls]

package/data/cards/capital-one-kohls-rewards-visa.yaml

@@ -1,5 +1,6 @@
 id: capital-one-kohls-rewards-visa
 name: Kohl's Rewards Visa
+color: '#3b4048'
 issuer: capital-one
 network: visa
 currency: kohls-rewards

package/data/cards/capital-one-quicksilver.yaml

@@ -1,5 +1,7 @@
 id: capital-one-quicksilver
 name: Capital One Quicksilver Cash Rewards Credit Card
+short_name: Capital One Quicksilver
+color: '#b8bcc2'
 issuer: capital-one
 # The card page never names the network in visible text; its embedded
 # product data says MasterCard.

package/data/cards/capital-one-savor.yaml

@@ -1,5 +1,7 @@
 id: capital-one-savor
 name: Capital One Savor Rewards Credit Card
+short_name: Capital One Savor
+color: '#7a4a32'
 issuer: capital-one
 # The card page never names the network in visible text; its embedded
 # product data says MasterCard.

package/data/cards/capital-one-spark-cash-plus.yaml

@@ -0,0 +1,80 @@
+id: capital-one-spark-cash-plus
+name: Capital One Spark Cash Plus
+short_name: Spark Cash Plus
+color: '#3a3d42'
+issuer: capital-one
+network: mastercard # World Elite Mastercard for Business (Spark), per capitalone.com/credit-cards/benefits-guide
+currency: cash
+business: true
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.capitalone.com/small-business/credit-cards/spark-cash-plus/
+  # The card page's "View important rates and disclosures" (pricing and
+  # rewards FAQ); the number is the page's offer id and changes with it.
+  - https://disclosures.capitalone.com/disclosure.41737.en-US.html
+base_rate: 2
+annual_fee: 150
+foreign_transaction_fee: 0
+welcome_offer:
+  dollars: 2000
+  spend: 30000
+  months: 3
+  note: Only through the card page; existing or previous account holders may not be eligible. A separate first-year bonus pays another $2,000 for every $500,000 spent in the first 12 months, which isn't counted here.
+rules:
+  - id: business-travel
+    match:
+      {
+        merchants:
+          [
+            capital-one-business-travel-hotels,
+            capital-one-business-travel-vacation-rentals,
+            capital-one-business-travel-car-rentals,
+          ],
+      }
+    rate: 5
+    note: Only when booked through Capital One Business Travel. Hotel incidentals, upgrades and other purchases outside Capital One Business Travel earn the base 2%.
+milestones:
+  - id: fee-refund-150k
+    spend: 150000
+    period: cardmember_year
+    rewards:
+      - $150 annual fee refunded as a statement credit
+    note: Net purchases by the membership anniversary date; the credit posts within two billing cycles after it.
+evidence:
+  - rule: base_rate
+    url: https://www.capitalone.com/small-business/credit-cards/spark-cash-plus/
+    quote: 'Earn unlimited 2% cash back for your business on every purchase, everywhere'
+  - rule: base_rate
+    url: https://disclosures.capitalone.com/disclosure.41737.en-US.html
+    quote: 'and 2% cash back on all other purchases'
+  - rule: business-travel
+    url: https://www.capitalone.com/small-business/credit-cards/spark-cash-plus/
+    quote: 'Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Business Travel.'
+  - rule: business-travel
+    url: https://disclosures.capitalone.com/disclosure.41737.en-US.html
+    quote: 'You will earn 5% cash back on hotels, vacation rentals and rental cars'
+  - rule: business-travel
+    url: https://disclosures.capitalone.com/disclosure.41737.en-US.html
+    quote: 'such as hotel incidentals, upgrades or other expenses, will not earn the enhanced earn rate'
+  - rule: fee-refund-150k
+    url: https://www.capitalone.com/small-business/credit-cards/spark-cash-plus/
+    quote: 'Get your $150 annual fee refunded every year you spend at least $150,000.'
+  - rule: fee-refund-150k
+    url: https://disclosures.capitalone.com/disclosure.41737.en-US.html
+    quote: 'when you spend at least $150,000 in net purchases by your membership anniversary date'
+  - rule: annual_fee
+    url: https://disclosures.capitalone.com/disclosure.41737.en-US.html
+    quote: 'Annual Fee $150.'
+  - rule: welcome_offer
+    url: https://www.capitalone.com/small-business/credit-cards/spark-cash-plus/
+    quote: 'Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months.'
+  - rule: welcome_offer
+    url: https://disclosures.capitalone.com/disclosure.41737.en-US.html
+    quote: 'You will earn a $2,000 bonus if you spend at least $30,000 within 3 months'
+  - rule: foreign_transaction_fee
+    url: https://www.capitalone.com/small-business/credit-cards/spark-cash-plus/
+    quote: 'Pay zero foreign transaction fees on purchases made outside of the United States'
+todo:
+  - "The first-year bonus of $2,000 for every $500,000 spent within 12 months of enrollment isn't modeled: a milestone pays once a period, not once per multiple of a spend total."
+  - The rates disclosure lists no foreign transaction fee in its fee table; the 0 comes from the card page's "Pay zero foreign transaction fees".

package/data/cards/capital-one-venture-x-business.yaml

@@ -0,0 +1,97 @@
+id: capital-one-venture-x-business
+name: Capital One Venture X Business
+short_name: Venture X Business
+color: '#2b2d31'
+issuer: capital-one
+network: mastercard # World Elite Mastercard for Business, per capitalone.com/credit-cards/benefits-guide
+currency: C1
+business: true
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.capitalone.com/small-business/credit-cards/venture-x-business/
+  # The card page's "View important rates and disclosures" (pricing and
+  # rewards FAQ); the number is the page's offer id and changes with it.
+  - https://disclosures.capitalone.com/disclosure.42243.en-US.html
+base_rate: 2
+annual_fee: 395
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 150000
+  spend: 40000
+  months: 4
+  note: 'The first tier of a limited-time two-tier offer: 150,000 miles after $40,000 in the first 4 months, plus another 150,000 miles and a $1,000 Capital One Business Travel credit after $120,000 in the same 4 months. Only through the card page; it may not be available to existing or previous Capital One Business cardholders.'
+rules:
+  - id: business-travel-hotels-and-car-rentals
+    match:
+      {
+        merchants:
+          [
+            capital-one-business-travel-hotels,
+            capital-one-business-travel-car-rentals,
+          ],
+      }
+    rate: 10
+    note: Only when booked through Capital One Business Travel. Purchases paid with the travel credits earn no miles, and hotel incidentals or upgrades paid outside Capital One Business Travel earn the base 2X.
+  - id: business-travel-flights-and-vacation-rentals
+    match:
+      {
+        merchants:
+          [
+            capital-one-business-travel-flights,
+            capital-one-business-travel-vacation-rentals,
+          ],
+      }
+    rate: 5
+    note: Only when booked through Capital One Business Travel.
+  - id: capital-one-entertainment
+    match: { merchants: [capital-one-entertainment] }
+    rate: 5
+    note: Tickets bought on the Capital One Entertainment ticketing platform only. Cardholder-exclusive pre-sales and tickets bought directly from Capital One Hall or Capital One Arena are excluded.
+evidence:
+  - rule: base_rate
+    url: https://www.capitalone.com/small-business/credit-cards/venture-x-business/
+    quote: 'Earn unlimited 2X miles on every purchase, everywhere, no limits or category restrictions.'
+  - rule: base_rate
+    url: https://disclosures.capitalone.com/disclosure.42243.en-US.html
+    quote: 'and 2 miles per dollar on all other purchases'
+  - rule: business-travel-hotels-and-car-rentals
+    url: https://www.capitalone.com/small-business/credit-cards/venture-x-business/
+    quote: 'Book through Capital One Business Travel to earn 10X miles on hotels and rental cars'
+  - rule: business-travel-hotels-and-car-rentals
+    url: https://disclosures.capitalone.com/disclosure.42243.en-US.html
+    quote: 'You will earn 10 miles per dollar on hotels and rental cars'
+  - rule: business-travel-hotels-and-car-rentals
+    url: https://disclosures.capitalone.com/disclosure.42243.en-US.html
+    quote: 'such as hotel incidentals, upgrades or other expenses, will not earn the enhanced earn rate'
+  - rule: business-travel-flights-and-vacation-rentals
+    url: https://www.capitalone.com/small-business/credit-cards/venture-x-business/
+    quote: 'and 5X miles on flights and vacation rentals.'
+  - rule: business-travel-flights-and-vacation-rentals
+    url: https://disclosures.capitalone.com/disclosure.42243.en-US.html
+    quote: '5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel'
+  - rule: capital-one-entertainment
+    url: https://disclosures.capitalone.com/disclosure.42243.en-US.html
+    quote: 'You will earn 5 miles per dollar spent on Capital One Entertainment purchases.'
+  - rule: capital-one-entertainment
+    url: https://disclosures.capitalone.com/disclosure.42243.en-US.html
+    quote: 'Tickets purchased through the Capital One cardholder exclusive pre-sales'
+  - rule: annual_fee
+    url: https://www.capitalone.com/small-business/credit-cards/venture-x-business/
+    quote: '$395 annual fee'
+  - rule: annual_fee
+    url: https://disclosures.capitalone.com/disclosure.42243.en-US.html
+    quote: 'Annual Fee $395.'
+  - rule: welcome_offer
+    url: https://www.capitalone.com/small-business/credit-cards/venture-x-business/
+    quote: 'Spend $40,000 in the first four months and earn 150,000 miles.'
+  - rule: welcome_offer
+    url: https://disclosures.capitalone.com/disclosure.42243.en-US.html
+    quote: 'You will earn 150,000 bonus miles when you spend $40,000'
+  - rule: foreign_transaction_fee
+    url: https://www.capitalone.com/small-business/credit-cards/venture-x-business/
+    quote: 'Pay zero foreign transaction fees on purchases made outside of the United States'
+todo:
+  - "The welcome offer's second tier (another 150,000 miles and a $1,000 Capital One Business Travel credit after $120,000 in the first 4 months) isn't modeled: a welcome offer has one spend threshold."
+  - Not modeled (credits and perks, not miles per dollar) the $300 annual Capital One Business Travel credit, the 10,000-mile anniversary bonus, the $120 Global Entry/TSA PreCheck credit and lounge access.
+  - The rates disclosure lists no foreign transaction fee in its fee table; the 0 comes from the card page's "Pay zero foreign transaction fees".