earnrate 0.2.11 → 0.2.12

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

@@ -1,5 +1,6 @@
 id: discover-it-cash-back
 name: Discover it Cash Back Credit Card
+color: '#e8751a'
 # Discover merged into Capital One, N.A.; the application terms are headed
 # "Discover by Capital One" and served from disclosures.capitalone.com.
 issuer: discover
@@ -26,7 +27,7 @@ welcome_offer:
   dollars: 200
   spend: 500
   months: 3
-  note: One-time $200 statement credit, available by applying through the card page. Existing or previous cardmembers may not be eligible if they received a new cardmember bonus for this product in the past 48 months. New cardmembers also get Cashback Match (all cash back earned in the first year matched), which isn't counted here.
+  note: One-time $200 statement credit, available by applying through the card page. Existing or previous cardmembers may not be eligible if they received a new cardmember bonus for this product in the past 48 months. New cardmembers also get Cashback Match, which is ranked as a first-year rate (intro_rates) rather than counted here.
 caps:
   # Discover's quarterly maximum on the rotating 5% categories.
   - id: five-percent-quarterly
@@ -84,11 +85,17 @@ rules:
     valid_to: 2026-12-31
     activate_by: 2026-12-31
     note: Residential electricity, natural gas and water, plus internet, cable, satellite TV and mobile and landline phone service paid by phone or online. Paying for those at a physical store, through a landlord, property manager or HOA, home fuel delivery and standalone streaming services may not qualify. Earns 5% only from the day you activate.
+intro_rates:
+  # Discover matches the cash back a new cardmember earns, paid after the
+  # match period, so every rate counts double for those 365 days.
+  - id: cashback-match
+    days: 365
+    multiply: 2
+    note: Cashback Match, for new cardmembers. Discover matches all the cash back earned from the day the account is approved through the first 365 days, with no limit, and adds it within two billing periods after; cash back processed after the match period isn't matched.
 todo:
   - 'Discover has published only 2026 on its 5% calendar (Oct-Dec 2026 is the last quarter shown). Add 2027 quarters when Discover posts them.'
   - Discover's 5% activation isn't retroactive (5% applies "from 10/1/26 (or the date on which you activate 5%, whichever is later)"), and you can activate until the quarter's last day. The schema's activate_by can't say that purchases before activation earn 1%; it's set to the quarter's last day and the rule notes say so.
-  - Cashback Match (Discover matches all cash back a new cardmember earns in the first year, no limit) can't be expressed as a fixed welcome offer; it roughly doubles first-year earnings on every rule. Not modeled.
-  - The card page's Cashback Match terms say "through your first 365 days"; the Cashback Bonus page says "your first 12 consecutive billing periods or 365 days, whichever is longer". Which one current applicants get is unclear; it doesn't change any rate here.
+  - The card page's and application terms' Cashback Match terms say "through your first 365 days"; the Cashback Bonus page says "your first 12 consecutive billing periods or 365 days, whichever is longer". Modeled as 365 days, the shorter. Cash back is matched only when processed within the period, so a purchase in its last days may post too late; earnrate goes by the purchase date.
   - Foreign transaction fee isn't stated on any Discover page or in the application terms (their fee table has no foreign transaction row). Left null; confirm with the Cardmember Agreement or Capital One.
   - Discover says 5% purchases "must be made with merchants in the U.S." The application terms put that sentence in the general earning paragraph, so it may also apply to the 1% base and Capital One Travel; only the rotating rules are marked us_only.
   - Amusement parks, tourist attractions, aquariums, zoos, record stores, video rental, pool halls and bowling alleys earn 5% as Q4 2026 entertainment but have no earnrate category. Golf courses, country clubs and collegiate sporting events are excluded but can't be told apart from the entertainment category.
@@ -167,3 +174,15 @@ evidence:
   - rule: welcome_offer
     url: https://www.discover.com/credit-cards/cash-back/it-card/
     quote: 'Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year'
+  - rule: cashback-match
+    url: https://www.discover.com/credit-cards/cash-back/it-card/
+    quote: 'Get an unlimited dollar-for-dollar match of all the cash back you earn'
+  - rule: cashback-match
+    url: https://www.discover.com/credit-cards/cash-back/it-card/
+    quote: 'There is no limit to how much we’ll match.'
+  - rule: cashback-match
+    url: https://disclosures.capitalone.com/disclosure.42300.en-US.html
+    quote: 'from the day your new account is approved through your first 365 days'
+  - rule: cashback-match
+    url: https://disclosures.capitalone.com/disclosure.42300.en-US.html
+    quote: 'We will not match: rewards that are processed after your match period ends'

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

package/data/cards/wells-fargo-autograph-journey.yaml

@@ -0,0 +1,73 @@
+id: wells-fargo-autograph-journey
+name: Wells Fargo Autograph Journey Card
+short_name: Autograph Journey
+color: '#2b2b2b'
+issuer: wells-fargo
+network: visa
+currency: WFR
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://creditcards.wellsfargo.com/autograph-journey-visa-credit-card/
+  - https://www.wellsfargo.com/credit-cards/autograph-journey-visa/terms/
+base_rate: 1
+annual_fee: 95
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 60000
+  spend: 4000
+  months: 3
+  note: Offers may differ by marketing channel. Not available if you have the card or opened one in the last 48 months, even if it's closed.
+rules:
+  - id: hotels
+    match: { categories: [travel.hotels] }
+    rate: 5
+    note: Merchants coded as hotels and motels.
+  - id: airlines
+    match: { categories: [travel.flights] }
+    rate: 4
+    note: Merchants coded as airlines and air carriers.
+  - id: restaurants
+    match: { categories: [dining] }
+    rate: 3
+    note: Restaurants, bars, fast food and caterers.
+  - id: other-travel
+    match: { categories: [travel] }
+    rate: 3
+    note: Car rentals, cruise lines, travel agencies, discount travel sites, timeshares and campgrounds.
+# Not modeled: the $50 yearly statement credit after a $50 airline purchase.
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://creditcards.wellsfargo.com/autograph-journey-visa-credit-card/
+    quote: '1 rewards point will be earned per $1 spent on other net purchases'
+  - rule: hotels
+    url: https://creditcards.wellsfargo.com/autograph-journey-visa-credit-card/
+    quote: 'Five rewards points (1 base point plus 4 bonus points) are earned per $1 spent'
+  - rule: hotels
+    url: https://creditcards.wellsfargo.com/autograph-journey-visa-credit-card/
+    quote: 'with retailers whose merchant category code is classified as hotel/motel'
+  - rule: airlines
+    url: https://creditcards.wellsfargo.com/autograph-journey-visa-credit-card/
+    quote: 'Airlines: 4 points (1 base point plus 3 bonus points) for every $1 spent'
+  - rule: restaurants
+    url: https://creditcards.wellsfargo.com/autograph-journey-visa-credit-card/
+    quote: 'eating places and restaurants, drinking places, fast food restaurants, and caterers'
+  - rule: other-travel
+    url: https://creditcards.wellsfargo.com/autograph-journey-visa-credit-card/
+    quote: 'timeshare, or vehicle/auto rental, cruise lines, travel agencies, discount travel sites, campgrounds'
+  - rule: annual_fee
+    url: https://www.wellsfargo.com/credit-cards/autograph-journey-visa/terms/
+    quote: 'Annual Fee $95'
+  - rule: welcome_offer
+    url: https://creditcards.wellsfargo.com/autograph-journey-visa-credit-card/
+    quote: 'when you spend $4,000 in purchases in the first 3 months'
+  - rule: welcome_offer
+    url: https://creditcards.wellsfargo.com/autograph-journey-visa-credit-card/
+    quote: 'Earn 60,000 bonus points'
+  - rule: welcome_offer
+    url: https://creditcards.wellsfargo.com/autograph-journey-visa-credit-card/
+    quote: 'or opened one within the last 48 months from the date of the application'
+  - rule: foreign_transaction_fee
+    url: https://www.wellsfargo.com/credit-cards/autograph-journey-visa/terms/
+    quote: 'Foreign Transaction None'

package/data/cards/wells-fargo-autograph.yaml

@@ -1,5 +1,6 @@
 id: wells-fargo-autograph
 name: Wells Fargo Autograph Card
+color: '#7d2130'
 issuer: wells-fargo
 network: visa
 currency: WFR

package/data/categories.yaml

@@ -26,7 +26,9 @@
   mccs: [5814]
 
 - id: grocery
-  name: Grocery
+  name: Grocery stores
+  # Keeps /best/grocery, the page's address before it had this name.
+  slug: grocery
 - id: grocery.supermarket
   name: Supermarkets
   aliases: [groceries, grocery, grocery stores, supermarket]

package/data/currencies.yaml

@@ -33,6 +33,31 @@
     - https://www.sofi.com/credit-card/unlimited/
     - https://www.sofi.com/card/rewards?cardtype=c
 
+- id: bofa-travel-rewards
+  name: Bank of America Travel Rewards points
+  value_cents: 1.0
+  redemptions:
+    cash: 0.6
+  redemption_names:
+    cash: as cash
+  note: Each point is worth 1¢ as a statement credit against travel and dining purchases from the past 12 months, or 0.6¢ redeemed for cash.
+  sources:
+    - https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079333&productoffercode=75&locale=en_US
+
+- id: bofa-premium-rewards
+  name: Bank of America Premium Rewards points
+  value_cents: 1.0
+  note: Each point is worth 1¢ redeemed for cash, a statement credit or travel at the Travel Center.
+  sources:
+    - https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079485&productoffercode=UN&locale=en_US
+
+- id: usbank-altitude
+  name: U.S. Bank Altitude points
+  value_cents: 1.0
+  note: U.S. Bank values 20,000 Altitude Go points at $200 as a deposit to a U.S. Bank account (1¢ a point). Points also redeem as a statement credit, or for travel, gift cards and merchandise.
+  sources:
+    - https://www.usbank.com/credit-cards/altitude-go-visa-signature-credit-card.html
+
 - id: best-buy-rewards
   name: My Best Buy rewards
   value_cents: 2.0
@@ -123,6 +148,15 @@
   sources:
     - https://thepointsguy.com/loyalty-programs/monthly-valuations/
 
+- id: trueblue-points
+  name: JetBlue TrueBlue points
+  value_cents: 1.0
+  range: [1.0, 1.35]
+  note: JetBlue publishes no fixed cash value; award prices track the published base fare, and the Barclays Points Payback rate is shown only at redemption. 1.0¢ is a conservative default. 1.35¢ is TPG's November 2026 valuation.
+  sources:
+    - https://cards.barclaycardus.com/banking/cards/jetblue-plus-card/
+    - https://thepointsguy.com/loyalty-programs/monthly-valuations/
+
 - id: ihg-points
   name: IHG One Rewards points
   value_cents: 0.5