earnrate 0.2.11 → 0.2.13

package/README.md

@@ -118,6 +118,16 @@ While the bonus is open and you're behind an even pace to the deadline, that car
 
 `spend`, `by` and the reward (`points`, or `dollars` for cash back) default to the card's published offer once earnrate has one; set them when your offer was different.
 
+### First-year rates
+
+Some cards earn more for a stretch after the account opens: Discover it Cash Back's Cashback Match doubles every rate for the first 365 days, and BofA Customized Cash pays 6% in its choice category for the first year. earnrate uses them only for purchases inside that window, so it needs the opening date:
+
+```sh
+earnrate update discover-it-cash-back --opened 2026-03-04
+```
+
+In the wallet file that's `opened: 2026-03-04` on the card; a tracked welcome bonus's `opened` counts too. Without a date, earnrate never assumes the card is new: it ranks it at its standard rates and says when a first-year rate would change the answer. The to-do list says when a first-year rate ends this quarter.
+
 ### Paying abroad
 
 Many cards charge a foreign transaction fee, often 3%, on every purchase outside the U.S., which can wipe out what they earn. Give the country with `--country` (two letters, like `FR`) and earnrate ranks each card after its fee, says what a card with a fee nets, and points out cards that earn extra abroad:
@@ -143,6 +153,18 @@ Every purchase on the card counts. Once earnrate knows how much you've spent on
 
 `earnrate simulate` adds a bonus's points to a card's yearly rewards when the year's spending on it reaches the total.
 
+### Store credits
+
+Some cards give dollars back for spending at a named store, up to a limit each period: Amex Platinum's $75 a quarter at lululemon, Amex Gold's $7 a month at Dunkin', Blue Cash Preferred's $10 a month on Disney+, Hulu or ESPN subscriptions. The purchase still earns the card's rate; the credit comes on top. Asking about the store with no cards saved lists the cards with a credit there first, "With a store credit", in dollars ("$75 back each quarter, then 1x Amex Membership Rewards"), then the usual ranking by rate. A search for a kind of purchase ("clothing") doesn't.
+
+With a saved wallet, a credit counts only once you mark it enrolled (these all need enrolling with the issuer), and only while some is left this period. Given an amount, its dollars count toward that card's return and can make it the pick; without one, the answer shows what's left. Recording a purchase from an AI assistant uses it up, and `earnrate todo` reminds you to enroll and to use what's left before the period ends:
+
+```sh
+earnrate update amex-platinum --enrolled lululemon --credit-used lululemon=40
+```
+
+In the wallet file that's `enrolled: [lululemon]` and `credit_usage: { lululemon: { period: 2026-Q4, used: 40 } }` on the card. On earnrate.dev it's in the card's settings. The cheat sheet, simulations and welcome-offer comparisons leave credits out.
+
 ### Which new card?
 
 These compare every card earnrate knows that's open to new applicants:
@@ -179,18 +201,21 @@ It totals what each card earned against the best card in your wallet for each pu
 
 ## Supported cards
 
-69 cards, each modeled from the issuer's own terms and checked weekly against them:
+101 cards, each modeled from the issuer's own terms and checked weekly against them:
 
-- **American Express:** Gold, Platinum, Blue Cash Preferred, Blue Cash Everyday, Blue Business Plus
-- **American Express airline and hotel:** Delta SkyMiles Gold, Platinum, Reserve; Hilton Honors, Surpass, Aspire; Marriott Bonvoy Brilliant, Bevy
-- **Chase:** Sapphire Preferred, Sapphire Reserve, Freedom Unlimited, Freedom Flex, Ink Business Cash, Ink Business Preferred, Prime Visa
+- **American Express:** Gold, Platinum, Blue Cash Preferred, Blue Cash Everyday, Business Gold, Business Platinum, Blue Business Plus
+- **American Express airline and hotel:** Delta SkyMiles Blue, Gold, Platinum, Reserve; Hilton Honors, Surpass, Aspire, Business; Marriott Bonvoy Brilliant, Bevy, Business
+- **Chase:** Sapphire Preferred, Sapphire Reserve, Freedom Unlimited, Freedom Flex, Freedom Rise, Ink Business Cash, Ink Business Unlimited, Ink Business Preferred, Prime Visa
 - **Chase airline and hotel:** United Gateway, Explorer, Quest, Club, Business, Club Business; Southwest Plus, Premier, Priority, Premier Business, Performance Business; Aeroplan; IHG One Rewards, Premier, Premier Select, Business; Marriott Bonvoy Boundless, Bold
-- **Citi:** Strata Elite, Strata Premier, Double Cash, Custom Cash, My Best Buy Visa, Costco Anywhere Visa (personal and business); AAdvantage MileUp, Platinum Select, Globe, Executive, Business
-- **Capital One:** Venture X, Venture, Savor, Quicksilver, Kohl's Card, Kohl's Rewards Visa
-- **Wells Fargo:** Active Cash, Autograph
-- **Bank of America:** Atmos Rewards Ascent, Summit, Business; Customized Cash Rewards
+- **Citi:** Strata Elite, Strata Premier, Strata, Double Cash, Custom Cash, My Best Buy Visa, Costco Anywhere Visa (personal and business); AAdvantage MileUp, Platinum Select, Globe, Executive, Business
+- **Capital One:** Venture X, Venture, Savor, Quicksilver, Venture X Business, Spark Cash Plus, Kohl's Card, Kohl's Rewards Visa, REI Co-op Mastercard
+- **Wells Fargo:** Active Cash, Autograph, Autograph Journey
+- **Bank of America:** Customized Cash Rewards, Unlimited Cash Rewards, Travel Rewards, Premium Rewards; Atmos Rewards Ascent, Summit, Business
 - **TD Bank:** Target Circle Card, Nordstrom card, Nordstrom Visa
-- **Others:** U.S. Bank Cash+, Discover it Cash Back, Bilt Obsidian, SoFi Unlimited 2%
+- **U.S. Bank:** Cash+, Altitude Go, Altitude Connect, Smartly Visa Signature
+- **Bilt:** Blue, Obsidian, Palladium
+- **Credit unions:** Navy Federal cashRewards, cashRewards Plus, More Rewards American Express; PenFed Power Cash Rewards; Caltech EFCU Platinum Mastercard
+- **Others:** Apple Card (Goldman Sachs), Discover it Cash Back, SoFi Unlimited 2%, JetBlue Plus (Barclays), PayPal Cashback Mastercard, Sam's Club Mastercard, Venmo Credit Card and Verizon Visa Card (Synchrony), Fidelity Rewards Visa Signature (Elan)
 
 Store cards (Target, Kohl's, Nordstrom) only come up at their own stores. Airline and hotel cards count only what the card itself earns, not the points a program gives members however they pay, and their perks (bags, free nights, lounges) aren't counted.
 
@@ -215,15 +240,15 @@ Use the connector (or plugin) or the local extension, not both: each keeps its o
 - `best_card_for_purchase`: which card to use, with reasons
 - `best_cards_for` and `simulate_spending`: compare every card earnrate knows, for one purchase or a year of spending, with no wallet needed
 - `resolve_merchant`: how a merchant was identified
-- `list_wallet`: a to-do list for your cards right now, then your cards, caps left this period, chosen categories, welcome-bonus and spend-bonus progress and the point values you've set
+- `list_wallet`: a to-do list for your cards right now, then your cards, caps left this period, chosen categories, store credits left, welcome-bonus and spend-bonus progress and the point values you've set
 - `cheat_sheet`: the card to use for each everyday kind of purchase this quarter
 - `compare_welcome_offers`: the best public sign-up offers on cards you don't have
-- `record_purchase`: books a purchase against its cap, any open welcome bonus and the card's yearly spend bonuses in your wallet file, keeping your comments
+- `record_purchase`: books a purchase against its cap, any open welcome bonus, the card's yearly spend bonuses and an enrolled store credit in your wallet file, keeping your comments
 - `search_cards`, `add_card`, `update_card`, `remove_card`, `set_memberships` and `set_point_values`: set up the wallet in conversation, including what your points are worth (memberships and point values need no cards)
 
 Both servers also offer four prompts, ready-made questions you can pick in Claude instead of typing one. None needs your cards:
 
-- `which-card`: which credit card to use at a store or for a kind of purchase, with an optional amount and country
+- `which-card`: which credit card to use at a store or for a kind of purchase, with an optional amount, country and way of paying
 - `cheat-sheet`: the card for each everyday kind of purchase
 - `this-quarter`: what to do with your saved cards now (activations, picks, caps, welcome bonuses)
 - `set-up`: save your cards by name, with their picks and memberships