earnrate 0.2.11 → 0.2.13

This diff represents the content of publicly available package versions that have been released to one of the supported registries. The information contained in this diff is provided for informational purposes only and reflects changes between package versions as they appear in their respective public registries.
Files changed (158) hide show
  1. package/README.md +37 -12
  2. package/data/CHANGELOG.md +291 -0
  3. package/data/VERSION +1 -1
  4. package/data/cards/amex-blue-business-plus.yaml +1 -0
  5. package/data/cards/amex-blue-cash-everyday.yaml +29 -2
  6. package/data/cards/amex-blue-cash-preferred.yaml +26 -0
  7. package/data/cards/amex-business-gold.yaml +169 -0
  8. package/data/cards/amex-business-platinum.yaml +184 -0
  9. package/data/cards/amex-delta-skymiles-blue.yaml +91 -0
  10. package/data/cards/amex-delta-skymiles-gold.yaml +29 -1
  11. package/data/cards/amex-delta-skymiles-platinum.yaml +35 -1
  12. package/data/cards/amex-delta-skymiles-reserve.yaml +35 -1
  13. package/data/cards/amex-gold.yaml +53 -0
  14. package/data/cards/amex-hilton-honors-aspire.yaml +25 -1
  15. package/data/cards/amex-hilton-honors-business.yaml +106 -0
  16. package/data/cards/amex-hilton-honors-surpass.yaml +16 -1
  17. package/data/cards/amex-hilton-honors.yaml +2 -0
  18. package/data/cards/amex-marriott-bonvoy-bevy.yaml +2 -0
  19. package/data/cards/amex-marriott-bonvoy-brilliant.yaml +17 -1
  20. package/data/cards/amex-marriott-bonvoy-business.yaml +116 -0
  21. package/data/cards/amex-platinum.yaml +111 -0
  22. package/data/cards/apple-card.yaml +76 -0
  23. package/data/cards/bank-of-america-atmos-rewards-ascent.yaml +1 -0
  24. package/data/cards/bank-of-america-atmos-rewards-business.yaml +2 -0
  25. package/data/cards/bank-of-america-atmos-rewards-summit.yaml +1 -0
  26. package/data/cards/bank-of-america-customized-cash-rewards.yaml +34 -1
  27. package/data/cards/bank-of-america-premium-rewards.yaml +134 -0
  28. package/data/cards/bank-of-america-travel-rewards.yaml +123 -0
  29. package/data/cards/bank-of-america-unlimited-cash-rewards.yaml +83 -0
  30. package/data/cards/barclays-jetblue-plus.yaml +86 -0
  31. package/data/cards/bilt-blue.yaml +60 -0
  32. package/data/cards/bilt-obsidian.yaml +13 -2
  33. package/data/cards/bilt-palladium.yaml +86 -0
  34. package/data/cards/caltech-efcu-platinum-mastercard.yaml +50 -0
  35. package/data/cards/capital-one-kohls-card.yaml +1 -0
  36. package/data/cards/capital-one-kohls-rewards-visa.yaml +1 -0
  37. package/data/cards/capital-one-quicksilver.yaml +2 -0
  38. package/data/cards/capital-one-rei-co-op-mastercard.yaml +62 -0
  39. package/data/cards/capital-one-savor.yaml +2 -0
  40. package/data/cards/capital-one-spark-cash-plus.yaml +80 -0
  41. package/data/cards/capital-one-venture-x-business.yaml +124 -0
  42. package/data/cards/capital-one-venture-x.yaml +32 -2
  43. package/data/cards/capital-one-venture.yaml +2 -0
  44. package/data/cards/chase-aeroplan.yaml +16 -0
  45. package/data/cards/chase-freedom-flex.yaml +1 -0
  46. package/data/cards/chase-freedom-rise.yaml +29 -0
  47. package/data/cards/chase-freedom-unlimited.yaml +1 -0
  48. package/data/cards/chase-ihg-one-rewards-business.yaml +28 -1
  49. package/data/cards/chase-ihg-one-rewards-premier-select.yaml +18 -0
  50. package/data/cards/chase-ihg-one-rewards-premier.yaml +16 -0
  51. package/data/cards/chase-ihg-one-rewards.yaml +1 -0
  52. package/data/cards/chase-ink-business-cash.yaml +14 -0
  53. package/data/cards/chase-ink-business-preferred.yaml +1 -0
  54. package/data/cards/chase-ink-business-unlimited.yaml +80 -0
  55. package/data/cards/chase-marriott-bonvoy-bold.yaml +1 -0
  56. package/data/cards/chase-marriott-bonvoy-boundless.yaml +2 -0
  57. package/data/cards/chase-prime-visa.yaml +1 -0
  58. package/data/cards/chase-sapphire-preferred.yaml +12 -0
  59. package/data/cards/chase-sapphire-reserve.yaml +45 -4
  60. package/data/cards/chase-southwest-performance-business.yaml +2 -0
  61. package/data/cards/chase-southwest-plus.yaml +2 -0
  62. package/data/cards/chase-southwest-premier-business.yaml +2 -0
  63. package/data/cards/chase-southwest-premier.yaml +2 -0
  64. package/data/cards/chase-southwest-priority.yaml +2 -0
  65. package/data/cards/chase-united-business.yaml +33 -0
  66. package/data/cards/chase-united-club-business.yaml +41 -0
  67. package/data/cards/chase-united-club.yaml +41 -0
  68. package/data/cards/chase-united-explorer.yaml +33 -0
  69. package/data/cards/chase-united-gateway.yaml +1 -0
  70. package/data/cards/chase-united-quest.yaml +41 -0
  71. package/data/cards/citi-aadvantage-business.yaml +2 -0
  72. package/data/cards/citi-aadvantage-executive.yaml +28 -1
  73. package/data/cards/citi-aadvantage-globe.yaml +2 -0
  74. package/data/cards/citi-aadvantage-mileup.yaml +2 -0
  75. package/data/cards/citi-aadvantage-platinum-select.yaml +2 -0
  76. package/data/cards/citi-costco-anywhere-visa-business.yaml +2 -0
  77. package/data/cards/citi-costco-anywhere-visa.yaml +2 -0
  78. package/data/cards/citi-custom-cash.yaml +1 -0
  79. package/data/cards/citi-double-cash.yaml +1 -0
  80. package/data/cards/citi-my-best-buy-visa.yaml +1 -0
  81. package/data/cards/citi-strata-elite.yaml +21 -1
  82. package/data/cards/citi-strata-premier.yaml +1 -0
  83. package/data/cards/citi-strata.yaml +164 -0
  84. package/data/cards/discover-it-cash-back.yaml +22 -3
  85. package/data/cards/fidelity-rewards-visa-signature.yaml +60 -0
  86. package/data/cards/navy-federal-cash-rewards-plus.yaml +61 -0
  87. package/data/cards/navy-federal-cash-rewards.yaml +60 -0
  88. package/data/cards/navy-federal-more-rewards-amex.yaml +92 -0
  89. package/data/cards/paypal-cashback-mastercard.yaml +52 -0
  90. package/data/cards/penfed-power-cash-rewards.yaml +47 -0
  91. package/data/cards/sams-club-mastercard.yaml +68 -0
  92. package/data/cards/sofi-unlimited-2.yaml +1 -0
  93. package/data/cards/td-bank-nordstrom-credit-card.yaml +1 -0
  94. package/data/cards/td-bank-nordstrom-visa.yaml +1 -0
  95. package/data/cards/td-bank-target-circle-card.yaml +1 -0
  96. package/data/cards/usbank-altitude-connect.yaml +156 -0
  97. package/data/cards/usbank-altitude-go.yaml +124 -0
  98. package/data/cards/usbank-cash-plus.yaml +1 -0
  99. package/data/cards/usbank-smartly.yaml +107 -0
  100. package/data/cards/venmo-credit-card.yaml +151 -0
  101. package/data/cards/verizon-visa-card.yaml +122 -0
  102. package/data/cards/wells-fargo-active-cash.yaml +1 -0
  103. package/data/cards/wells-fargo-autograph-journey.yaml +73 -0
  104. package/data/cards/wells-fargo-autograph.yaml +1 -0
  105. package/data/categories.yaml +3 -1
  106. package/data/currencies.yaml +48 -0
  107. package/data/issuers.yaml +44 -1
  108. package/data/memberships.yaml +45 -0
  109. package/data/merchants/overrides.yaml +947 -1
  110. package/data/merchants/seed.yaml +1916 -62
  111. package/dist/cli/args.js +18 -0
  112. package/dist/cli/explore.js +10 -1
  113. package/dist/cli/import.js +2 -2
  114. package/dist/cli/run.js +4 -1
  115. package/dist/cli/wallet.js +37 -3
  116. package/dist/data/file-store.js +5 -2
  117. package/dist/data/integrity.js +59 -0
  118. package/dist/data/store.js +4 -1
  119. package/dist/data/wallet-edit.js +28 -7
  120. package/dist/engine/cheat-sheet.js +17 -5
  121. package/dist/engine/checklist.js +38 -6
  122. package/dist/engine/credits.js +65 -0
  123. package/dist/engine/evaluate.js +57 -18
  124. package/dist/engine/explore.js +70 -7
  125. package/dist/engine/intro.js +36 -0
  126. package/dist/engine/offers.js +2 -1
  127. package/dist/engine/periods.js +10 -3
  128. package/dist/engine/recommend.js +101 -20
  129. package/dist/engine/record.js +43 -1
  130. package/dist/engine/rotation.js +3 -0
  131. package/dist/engine/rule-text.js +28 -3
  132. package/dist/engine/setup.js +20 -3
  133. package/dist/engine/simulate.js +10 -1
  134. package/dist/engine/text.js +107 -0
  135. package/dist/engine/wallet-change.js +57 -4
  136. package/dist/engine/wallet-summary.js +54 -6
  137. package/dist/format/card-art.js +21 -0
  138. package/dist/format/card-text.js +4 -3
  139. package/dist/format/cards.js +1 -0
  140. package/dist/format/cheat-sheet.js +2 -0
  141. package/dist/format/explore.js +20 -4
  142. package/dist/format/recommendation.js +6 -2
  143. package/dist/format/wallet-yaml.js +1 -0
  144. package/dist/format/wallet.js +15 -5
  145. package/dist/import/analyze.js +8 -2
  146. package/dist/mcp/inputs.js +13 -0
  147. package/dist/mcp/prompts.js +9 -1
  148. package/dist/mcp/schemas.js +87 -1
  149. package/dist/mcp/tools/account.js +3 -1
  150. package/dist/mcp/tools/answers.js +9 -4
  151. package/dist/mcp/tools/wallet.js +20 -8
  152. package/dist/merchants/resolve.js +8 -0
  153. package/dist/schema/card.js +60 -3
  154. package/dist/schema/common.js +1 -1
  155. package/dist/schema/issuer.js +4 -0
  156. package/dist/schema/merchant.js +3 -0
  157. package/dist/schema/wallet.js +11 -0
  158. package/package.json +12 -3
package/data/CHANGELOG.md CHANGED
@@ -2,6 +2,297 @@
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  Every change to card rules, merchants, categories or currencies under `data/`. Bump `data/VERSION` (`YYYY.MM.DD`, plus `.N` for a second release on the same day) and add a section here in the same commit. Each row cites the issuer page the new value came from.
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+ ## 2026.11.04.15
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+
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+ Merchant statement credits on every card whose issuer publishes them: 73 new credits on 31 cards, each quoted from the issuer's own pages (read 2026-11-04). With the three already entered, 76 credits on 32 cards. Credits a cardholder must pick a merchant for, ones once every several years, benefits that aren't spending, and the kinds `docs/feature-gaps.md` lists under "Merchant credits the schema can't express" aren't entered. No earn rates changed.
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+
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+ New merchants: `resy` (a restaurant that takes Resy reservations), `viagogo`, `jsx`, `blacklane`, `alto`, `clear`, `walmart-plus` (the membership fee), `peloton-membership`, `chatgpt`, `squarespace`, `indeed`, `dell`, `home-chef`, `wonder`, `oura`, `new-york-times`, `wall-street-journal`, `expensify` and `american-airlines-vacations`.
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+
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+ | Card | Credit (`id`) | Amount | Enroll | Merchants | Sources |
12
+ | ------------------------------------ | ----------------------------- | ---------------------- | ------ | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
13
+ | amex-platinum | `uber-cash` | $15 a month | no | `uber`, `uber-eats` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms) |
14
+ | amex-platinum | `uber-one` | $120 a calendar year | no | `uber-one` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms) |
15
+ | amex-platinum | `resy` | $100 a quarter | yes | `resy` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms) |
16
+ | amex-platinum | `digital-entertainment` | $25 a month | yes | `disney-plus`, `espn`, `hulu`, `new-york-times`, `paramount-plus`, `peacock`, `wall-street-journal`, `youtube-premium`, `youtube-tv` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms) · [2](https://www.americanexpress.com/us/credit-cards/card/platinum/) |
17
+ | amex-platinum | `equinox` | $300 a calendar year | yes | `equinox` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms) |
18
+ | amex-platinum | `oura` | $200 a calendar year | yes | `oura` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms) |
19
+ | amex-platinum | `walmart-plus` | $12.95 a month | no | `walmart-plus` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms) |
20
+ | amex-platinum | `clear-plus` | $219 a calendar year | no | `clear` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms) |
21
+ | amex-gold | `uber-cash` | $10 a month | no | `uber`, `uber-eats` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0#offer-terms) |
22
+ | amex-gold | `dining` | $10 a month | yes | `grubhub`, `buffalo-wild-wings`, `five-guys`, `cheesecake-factory`, `wonder` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0#offer-terms) |
23
+ | amex-gold | `resy` | $50 each half year | yes | `resy` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0#offer-terms) |
24
+ | amex-blue-cash-everyday | `home-chef` | $15 a month | yes | `home-chef` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-everyday-credit-card/25330-10-0) |
25
+ | amex-blue-cash-everyday | `disney-streaming` | $7 a month | yes | `disney-plus`, `hulu`, `espn` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-everyday-credit-card/25330-10-0) |
26
+ | amex-business-gold | `chatgpt-business` | $300 a calendar year | yes | `chatgpt` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms) |
27
+ | amex-business-gold | `squarespace` | $150 a calendar year | yes | `squarespace` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms) |
28
+ | amex-business-gold | `walmart-plus` | $12.95 a month | no | `walmart-plus` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms) |
29
+ | amex-business-platinum | `hilton` | $50 a quarter | yes | `hilton` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms) |
30
+ | amex-business-platinum | `clear-plus` | $219 a calendar year | no | `clear` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms) |
31
+ | amex-business-platinum | `chatgpt-business` | $300 a calendar year | yes | `chatgpt` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms) |
32
+ | amex-business-platinum | `wireless` | $10 a month | yes | category `phone` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms) |
33
+ | amex-business-platinum | `indeed` | $90 a quarter | yes | `indeed` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms) |
34
+ | amex-business-platinum | `dell` | $150 a calendar year | yes | `dell` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms) |
35
+ | amex-delta-skymiles-gold | `delta-stays` | $100 a calendar year | no | `delta-stays` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms) |
36
+ | amex-delta-skymiles-gold | `rideshare` | $10 a month | yes | `uber`, `lyft`, `curb`, `alto` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms) |
37
+ | amex-delta-skymiles-platinum | `resy` | $10 a month | yes | `resy` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms) |
38
+ | amex-delta-skymiles-platinum | `rideshare` | $10 a month | yes | `uber`, `lyft`, `curb`, `alto` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms) |
39
+ | amex-delta-skymiles-platinum | `delta-stays` | $150 a calendar year | no | `delta-stays` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms) |
40
+ | amex-delta-skymiles-reserve | `resy` | $20 a month | yes | `resy` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms) |
41
+ | amex-delta-skymiles-reserve | `rideshare` | $10 a month | yes | `uber`, `lyft`, `curb`, `alto` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms) |
42
+ | amex-delta-skymiles-reserve | `delta-stays` | $200 a calendar year | no | `delta-stays` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms) |
43
+ | amex-hilton-honors-surpass | `hilton` | $50 a quarter | no | `hilton` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms) |
44
+ | amex-hilton-honors-business | `hilton` | $60 a quarter | no | `hilton` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms) |
45
+ | amex-hilton-honors-aspire | `flight-credit` | $50 a quarter | no | category `travel.flights` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms) |
46
+ | amex-hilton-honors-aspire | `clear-plus` | $219 a calendar year | no | `clear` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms) |
47
+ | amex-marriott-bonvoy-brilliant | `dining` | $25 a month | no | category `dining` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms) |
48
+ | chase-sapphire-reserve | `travel` | $300 a cardmember year | no | category `travel`, `transit` | [1](https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve) |
49
+ | chase-sapphire-reserve | `stubhub` | $150 each half year | yes | `stubhub`, `viagogo` | [1](https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve) |
50
+ | chase-sapphire-reserve | `lyft-credit` | $10 a month | no | `lyft` | [1](https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve) |
51
+ | chase-sapphire-reserve | `peloton-credit` | $10 a month | yes | `peloton-membership` | [1](https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve) |
52
+ | chase-sapphire-preferred | `chase-travel-hotels` | $100 a cardmember year | no | `chase-travel` | [1](https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred) |
53
+ | chase-united-explorer | `instacart` | $10 a month | yes | `instacart` | [1](https://creditcards.chase.com/travel-credit-cards/united/united-explorer) |
54
+ | chase-united-explorer | `rideshare` | $5 a month | yes | category `transit.rideshare` | [1](https://creditcards.chase.com/travel-credit-cards/united/united-explorer) |
55
+ | chase-united-explorer | `jsx` | $100 a cardmember year | no | `jsx` | [1](https://creditcards.chase.com/travel-credit-cards/united/united-explorer) |
56
+ | chase-united-quest | `instacart` | $15 a month | yes | `instacart` | [1](https://creditcards.chase.com/travel-credit-cards/united/united-quest) |
57
+ | chase-united-quest | `rideshare` | $8 a month | yes | category `transit.rideshare` | [1](https://creditcards.chase.com/travel-credit-cards/united/united-quest) |
58
+ | chase-united-quest | `jsx` | $150 a cardmember year | no | `jsx` | [1](https://creditcards.chase.com/travel-credit-cards/united/united-quest) |
59
+ | chase-united-quest | `renowned-hotels-credit` | $150 a cardmember year | no | `renowned-hotels-chase-travel` | [1](https://creditcards.chase.com/travel-credit-cards/united/united-quest) |
60
+ | chase-united-club | `instacart` | $20 a month | yes | `instacart` | [1](https://creditcards.chase.com/travel-credit-cards/united/united-club) |
61
+ | chase-united-club | `rideshare` | $12 a month | yes | category `transit.rideshare` | [1](https://creditcards.chase.com/travel-credit-cards/united/united-club) |
62
+ | chase-united-club | `jsx` | $200 a cardmember year | no | `jsx` | [1](https://creditcards.chase.com/travel-credit-cards/united/united-club) |
63
+ | chase-united-club | `renowned-hotels-credit` | $200 a cardmember year | no | `renowned-hotels-chase-travel` | [1](https://creditcards.chase.com/travel-credit-cards/united/united-club) |
64
+ | chase-united-business | `instacart` | $10 a month | yes | `instacart` | [1](https://creditcards.chase.com/business-credit-cards/united/united-business-card) |
65
+ | chase-united-business | `rideshare` | $8 a month | yes | category `transit.rideshare` | [1](https://creditcards.chase.com/business-credit-cards/united/united-business-card) |
66
+ | chase-united-business | `jsx` | $100 a cardmember year | no | `jsx` | [1](https://creditcards.chase.com/business-credit-cards/united/united-business-card) |
67
+ | chase-united-club-business | `instacart` | $20 a month | yes | `instacart` | [1](https://creditcards.chase.com/business-credit-cards/united/united-club-business) |
68
+ | chase-united-club-business | `rideshare` | $12 a month | yes | category `transit.rideshare` | [1](https://creditcards.chase.com/business-credit-cards/united/united-club-business) |
69
+ | chase-united-club-business | `jsx` | $200 a cardmember year | no | `jsx` | [1](https://creditcards.chase.com/business-credit-cards/united/united-club-business) |
70
+ | chase-united-club-business | `renowned-hotels-credit` | $200 a cardmember year | no | `renowned-hotels-chase-travel` | [1](https://creditcards.chase.com/business-credit-cards/united/united-club-business) |
71
+ | chase-ihg-one-rewards-premier | `instacart` | $10 a month | yes | `instacart` | [1](https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier) |
72
+ | chase-ihg-one-rewards-premier-select | `instacart` | $10 a month | yes | `instacart` | [1](https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier-select) |
73
+ | chase-ihg-one-rewards-business | `instacart` | $10 a month | yes | `instacart` | [1](https://creditcards.chase.com/business-credit-cards/IHG/business) |
74
+ | chase-ihg-one-rewards-business | `expensify` | $100 a calendar year | no | `expensify` | [1](https://creditcards.chase.com/business-credit-cards/IHG/business) |
75
+ | chase-aeroplan | `air-canada-credit` | $50 each half year | no | `air-canada` | [1](https://creditcards.chase.com/travel-credit-cards/aircanada/aeroplan) |
76
+ | chase-ink-business-cash | `instacart` | $20 a month | yes | `instacart` | [1](https://creditcards.chase.com/business-credit-cards/ink/cash) |
77
+ | chase-ink-business-unlimited | `instacart` | $20 a month | yes | `instacart` | [1](https://creditcards.chase.com/business-credit-cards/ink/unlimited) |
78
+ | capital-one-venture-x | `capital-one-travel` | $300 a cardmember year | no | `capital-one-travel`, `capital-one-travel-hotels`, `capital-one-travel-vacation-rentals`, `capital-one-travel-car-rentals`, `capital-one-travel-activities`, `capital-one-travel-flights` | [1](https://disclosures.capitalone.com/disclosure.42201.en-US.html) |
79
+ | capital-one-venture-x-business | `capital-one-business-travel` | $300 a cardmember year | no | `capital-one-business-travel`, `capital-one-business-travel-hotels`, `capital-one-business-travel-vacation-rentals`, `capital-one-business-travel-car-rentals`, `capital-one-business-travel-flights` | [1](https://disclosures.capitalone.com/disclosure.42243.en-US.html) |
80
+ | citi-strata-elite | `blacklane` | $100 each half year | no | `blacklane` | [1](https://www.citi.com/credit-cards/citi-strata-elite-credit-card) |
81
+ | citi-strata-elite | `hotel` | $300 a calendar year | no | `citi-travel-hotels` | [1](https://www.citi.com/credit-cards/citi-strata-elite-credit-card) |
82
+ | citi-aadvantage-executive | `aa-vacations` | $250 each half year | no | `american-airlines-vacations` | [1](https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard) |
83
+ | citi-aadvantage-executive | `avis-budget` | $120 a calendar year | no | `avis`, `budget` | [1](https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard) |
84
+ | bilt-obsidian | `hotel-credit` | $50 each half year | no | `bilt-travel-hotels` | [1](https://www.bilt.com/card/obsidian) |
85
+ | bilt-palladium | `hotel-credit` | $200 each half year | no | `bilt-travel-hotels` | [1](https://www.bilt.com/card/palladium) |
86
+
87
+ ## 2026.11.04.14
88
+
89
+ - **PenFed Power Cash Rewards Visa Signature** (`penfed-power-cash-rewards`, new issuer PenFed): 2% on everything for Honors Advantage members (a PenFed checking account or military service, new membership `penfed-honors-advantage`), 1.5% for other members; no annual fee, no foreign transaction fee; $100 after $1,500 in 90 days. Source: [the card page](https://www.penfed.org/credit-cards/power-cash-rewards-visa), read 2026-11-04 in Chrome (penfed.org refuses the source check).
90
+ - `usbank-smartly`: foreign transaction fee 3%, from [its terms](https://onboarding.usbank.com/gateway/partner/credit-card/begin?locationCode=8069&offerId=36672BDX52&sourceCode=87869&page=terms) ("Foreign Transaction 3% of each foreign transaction"), read in Chrome.
91
+
92
+ ## 2026.11.04.13
93
+
94
+ Merchant statement credits (a new `credits:` list on cards). Three to start, each quoted from Amex's own benefit terms (read 2026-11-04); enrollment is required for all three:
95
+
96
+ | Card | Credit (`id`) | Amount | Where | Sources |
97
+ | ------------------------ | ------------------ | ------------- | -------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
98
+ | amex-platinum | `lululemon` | $75 a quarter | U.S. lululemon stores, lululemon.com and the app (not outlets) | [1](https://www.americanexpress.com/us/credit-cards/card/platinum/) · [2](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms) |
99
+ | amex-gold | `dunkin` | $7 a month | U.S. Dunkin' locations | [1](https://www.americanexpress.com/us/credit-cards/card/gold-card/) · [2](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0#offer-terms) |
100
+ | amex-blue-cash-preferred | `disney-streaming` | $10 a month | Subscriptions at DisneyPlus.com, Hulu.com or Stream.ESPN.com | [1](https://www.americanexpress.com/us/credit-cards/card/blue-cash-preferred/) · [2](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-preferred-credit-card/25330-10-0#offer-terms) |
101
+
102
+ Amex's terms don't say whether the credited part of a purchase earns points or cash back (its rewards terms count "purchases for goods and services minus returns and other credits"), so each card earns its rate on the whole purchase and has a `todo` saying so. No rates changed.
103
+
104
+ ## 2026.11.04.12
105
+
106
+ Streaming rules for merchants that joined the directory in 2026.11.04.10:
107
+
108
+ - `amex-blue-cash-preferred`'s 6% now covers Luminary, which is on Amex's [Select U.S. Streaming Subscriptions list](https://www.americanexpress.com/us/content/rewards-info/retail.html).
109
+ - `usbank-altitude-go` and `usbank-altitude-connect` now earn their streaming rate at AMC+, FanDuel Sports Network, iHeartRadio, LiveOne, Luminary and YouTube Music, all named in their program rules ([Go](https://rewards.usbank.com/benefits/card/AltitudeGoBenefits/program-rules), [Connect](https://rewards.usbank.com/benefits/card/AltitudeConnectBenefits/program-rules)).
110
+
111
+ Quote fixes, no rate changes: Navy Federal's quotes say "cashRewards" as the page does, and Fidelity's foreign-fee quote matches Elan's table.
112
+
113
+ All read 2026-11-04. "Delta Hotels" now means Marriott's brand (2026.11.04.10); Delta's own booking site is "Delta Stays".
114
+
115
+ ## 2026.11.04.11
116
+
117
+ Nine credit union and fintech cards, each from the issuer's own pages, with a `color` for earnrate's drawing. New issuers: Caltech Employees Federal Credit Union (`caltech-efcu`), Navy Federal Credit Union (`navy-federal`) and Elan Financial Services (`elan`). New memberships: `caltech-efcu`, `navy-federal`, `verizon-account` and `rei-co-op` (each `annual_fee: 0`: credit union membership is by eligibility, Verizon's is the service account, and REI's price isn't on a readable page), and the U.S. Bank Smartly Earning Bonus tiers `usbank-smartly-25`, `usbank-smartly-50` and `usbank-smartly-100`. New currencies: Navy Federal Rewards points (1¢, Navy Federal's cash value) and REI Co-op Mastercard rewards (1¢, spendable only at REI). New merchant: `verizon-store` (Verizon devices and accessories, apart from the `verizon` bill). Not added: PenFed Power Cash Rewards and Pathfinder Rewards (penfed.org refuses plain fetches, so no PenFed text could be read) and the Kroger Rewards World Elite Mastercard (kroger.com and krogermastercard.com refuse plain fetches, and no readable U.S. Bank page states its terms). `data/sources.lock.json` isn't refreshed for these pages yet.
118
+
119
+ | Card | Main rates | Fees | Sources |
120
+ | -------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
121
+ | caltech-efcu-platinum-mastercard | No rewards | $0 annual fee; no foreign transaction fee | [1](https://www.caltechefcu.org/home/products/lending/mastercard) · [2](https://www.caltechefcu.org/home/products/lending/mastercard/disclosure) · [3](https://www.caltechefcu.org/home/products/lending/mastercard/mastercard_faqs) · [4](https://www.caltechefcu.org/home/products/lending/mastercard/student_mastercard) · [5](https://www.caltechefcu.org/home/resources/fees) · [6](https://www.caltechefcu.org/home/membership/eligibility) |
122
+ | navy-federal-cash-rewards | 1.5% on everything | $0 annual fee; no foreign transaction fee | [1](https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html) · [2](https://www.navyfederal.org/loans-cards/credit-cards/faqs.html) · [3](https://www.navyfederal.org/membership/eligibility.html) |
123
+ | navy-federal-cash-rewards-plus | 2% on everything (issued for a credit limit of $5,000 or more) | $0 annual fee; no foreign transaction fee | [1](https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html) · [2](https://www.navyfederal.org/loans-cards/credit-cards/faqs.html) · [3](https://www.navyfederal.org/membership/eligibility.html) |
124
+ | navy-federal-more-rewards-amex | 3X at restaurants and on food delivery, at supermarkets, and on gas and transit; 1X else | $0 annual fee; no foreign transaction fee | [1](https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html) · [2](https://www.navyfederal.org/loans-cards/credit-cards/faqs.html) · [3](https://www.navyfederal.org/membership/eligibility.html) |
125
+ | fidelity-rewards-visa-signature | 2% on everything, deposited into a Fidelity account | $0 annual fee; no foreign transaction fee | [1](https://www.fidelity.com/spend-save/visa-signature-card) · [2](https://www.fidelity.com/spend-save/faqs-rewards-credit-cards) · [3](https://online1.elancard.com/pdap/terms?locationCode=24193&offerId=5W8QWVRP5M&sourceCode=88155&st=y) |
126
+ | venmo-credit-card | 3% on dining and nightlife and on entertainment; 1% else (3% through Venmo checkout isn't modeled) | $0 annual fee; no foreign transaction fee | [1](https://venmo.com/about/creditcard/) · [2](https://venmo.com/about/creditcard/rewards) · [3](https://www.synchronybankterms.com/syfterms/html/VCCRewardsTerms.htm) · [4](https://www.synchronybankterms.com/syfterms/html/VenmoVCCApplyTerms_combo.htm) |
127
+ | verizon-visa-card | 4% on gas and EV charging, at supermarkets, at restaurants and on Verizon devices; 1% on the Verizon bill and else | $0 annual fee; no foreign transaction fee | [1](https://www.verizon.com/financial-services/verizon-visa-card/) · [2](https://www.verizon.com/support/verizon-visa-card-rewards-legal/) · [3](https://www.verizon.com/support/verizon-visa-card-faqs/) |
128
+ | usbank-smartly | 2% on everything; 2.5%, 3% or 4% by Smartly Earning Bonus tier on the first $10,000 a billing cycle; 6% on Travel Center hotels and cars | $0 annual fee; foreign fee not on file | [1](https://www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html) · [2](https://rewards.usbank.com/benefits/card/SmartlyBenefits/program-rules) |
129
+ | capital-one-rei-co-op-mastercard | 5% at REI; 1.5% else, in REI rewards | $0 annual fee; no foreign transaction fee | [1](https://www.capitalone.com/credit-cards/rei/) |
130
+
131
+ ## 2026.11.04.10
132
+
133
+ The merchant directory grows from 648 to 912 entries (264 added), so each gets its own `/best/<store>` page. Names come from the issuers' own merchant lists below, [Wikipedia's lists of U.S. supermarket chains](https://en.wikipedia.org/wiki/List_of_supermarket_chains_in_the_United_States), [fast-food chains](https://en.wikipedia.org/wiki/List_of_fast_food_restaurant_chains) and [casual dining chains](https://en.wikipedia.org/wiki/List_of_casual_dining_restaurant_chains), and the hotel groups' own brand lists; only names were taken, never other data. No card rules or rates changed.
134
+
135
+ Categories follow the issuers' definitions, read 2026-11-04: [Chase's rewards category FAQ](https://www.chase.com/personal/credit-cards/rewards-category-faq), [Amex's retail category terms](https://www.americanexpress.com/us/content/rewards-info/retail.html) and [U.S. Bank's Cash+ sample merchants](https://cashplus.usbank.com/cash-plus/samplemerchants). Merchants that code unexpectedly are in `overrides.yaml` with a note.
136
+
137
+ Hotel brands get their own entries, with a new `brand_of` field naming their group: a card rule that names `hilton`, `marriott` or `ihg` also matches Hampton Inn, Courtyard or Holiday Inn Express, and a rule that leaves the group out (Hilton Business's 5x everyday rate) leaves its brands out too. Their names move from the group's aliases to the brand. Brands not split out stay aliases of their group. "Delta Hotels" now means Marriott's brand, not Delta Stays.
138
+
139
+ | Category | Added | Source for the category |
140
+ | --------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
141
+ | Supermarkets | Lunds & Byerlys, Woodman's Markets, Festival Foods, Fareway, Coborn's, Sendik's Food Market, Metro Market, Heinen's, Harps Food Stores, Gerbes (Midwest); Harveys Supermarket, Brookshire Brothers, Super 1 Foods, Fiesta Mart, Sedano's, United Supermarkets, Central Market (South); Kings Food Markets, Key Food, Foodtown, Fairway Market, Stew Leonard's, Price Rite, Redner's Markets, Roche Bros. (Northeast); Bashas', Ridley's Family Markets, Harmons (Mountain West); Haggen, Yoke's Fresh Market (Pacific Northwest); Cardenas Markets, Northgate Market, Vallarta Supermarkets, Nugget Markets (California); Foodland (Hawaii) | Supermarkets; U.S. Bank's grocery list names Lunds & Byerlys, Amex's supermarket examples name Kings Food Markets |
142
+ | Supermarkets (warehouse-style) | Smart & Final (override) | Amex names it among its U.S. supermarket examples, which settles what kept it out of 2026.11.04.4 |
143
+ | Drugstores | Kinney Drugs, Discount Drug Mart, Medicine Shoppe, Good Neighbor Pharmacy, Fruth Pharmacy, Thrifty White Pharmacy | Chase: merchants that "specialize in selling prescription drugs and over-the-counter medicines" |
144
+ | Gas | Amoco, Irving Oil; MAPCO, Weigel's, Kwik Fill, Allsup's, Yesway (overrides: may code as a convenience store where there are no pumps) | Chase: gas "paid for either at the pump or inside the station" |
145
+ | EV charging | Shell Recharge, IONNA, Rivian Adventure Network | Chase: "charging stations available to the public" |
146
+ | Fast food | Cook Out, Steak 'n Shake, Taco Cabana, Pollo Tropical, Fatburger, A&W Restaurants, Good Times, Lee's Famous Recipe Chicken, Slim Chickens, Dave's Hot Chicken, Schlotzsky's, The Halal Guys; Hungry Howie's, Round Table Pizza, Donatos Pizza; Scooter's Coffee, Biggby Coffee, The Coffee Bean & Tea Leaf, Philz Coffee, 7 Brew; Rita's Italian Ice, Andy's Frozen Custard | Counter-service chains; Amex: "fast food restaurants are included in the restaurant rewards category" |
147
+ | Fast food (fast casual) | The Habit Burger Grill, Wayback Burgers, BurgerFi, Pei Wei, Chicken Salad Chick, Cafe Rio, Café Zupas, Torchy's Tacos, Fuzzy's Taco Shop, Mendocino Farms, Dickey's Barbecue Pit, Jamba (overrides: may code as restaurants) | As for Panera and CAVA: fast-casual chains can post as fast food or as restaurants |
148
+ | Restaurants | Village Inn, Famous Dave's, Old Chicago, Sizzler, Skyline Chili, Frisch's Big Boy, Friendly's, The Original Pancake House, Snooze, Chuy's, On The Border, Pappadeaux, Joe's Crab Shack, Miller's Ale House, Seasons 52, Eddie V's, The Melting Pot, Cooper's Hawk, Mellow Mushroom, Uno Pizzeria & Grill, Lazy Dog, Lou Malnati's, Giordano's, Pizza Ranch | Full-service chains; U.S. Bank's restaurant list names Village Inn, Famous Dave's, Old Chicago, Sizzler and Skyline Chili |
149
+ | Hotels (brands) | Marriott: Courtyard, Residence Inn, Fairfield, SpringHill Suites, JW Marriott, Sheraton, Westin, W Hotels, The Ritz-Carlton, St. Regis, Aloft, Moxy, Four Points, Delta Hotels. Hilton: Hampton Inn, Hilton Garden Inn, DoubleTree, Embassy Suites, Homewood Suites, Home2 Suites, Waldorf Astoria. IHG: Holiday Inn, Holiday Inn Express, InterContinental, Kimpton, Crowne Plaza, Staybridge Suites. Hyatt: Hyatt Regency, Hyatt Place, Hyatt House, Grand Hyatt. Wyndham: La Quinta, Days Inn, Super 8, Ramada, Travelodge. Choice: Comfort Inn, Quality Inn, Sleep Inn, Econo Lodge. Country Inn & Suites (Radisson), Fairmont (Accor) | Hotels, each `brand_of` its group |
150
+ | Flights | Porter Airlines, Copa Airlines, Avianca, LATAM, Qantas, Cathay Pacific, Korean Air, Etihad, Viva Aerobus | Airlines |
151
+ | Cruises | Oceania Cruises, Cunard | Cruise lines |
152
+ | Travel | KOA, Hipcamp (campgrounds); Evolve Vacation Rental | Chase's travel includes "campgrounds" (not public ones); Evolve isn't one of Chase's "vacation homes at top brands" |
153
+ | Transit | Sound Transit, King County Metro, Washington State Ferries, Clipper, RTD Denver, Valley Metro | Chase: "passenger trains, buses ... ferries"; U.S. Bank lists Sound Transit, Clipper and Washington State Ferries |
154
+ | Transit (parking and tolls) | The Parking Spot, Park 'N Fly, FastPark & Relax, SP+ (MCC 7523); I-PASS, Peach Pass, NC Quick Pass, EZ TAG, TollTag, E-PASS (MCC 4784) (overrides) | Chase's transit names "toll bridges and highways, and parking lots and garages"; U.S. Bank's ground transportation leaves out "parking garages and toll stations" |
155
+ | Rideshare | Yellow Cab | U.S. Bank's ground transportation list; Chase's rideshare: "taxi, limousine, and rideshare services" |
156
+ | Streaming | Luminary, LiveOne, FanDuel Sports Network (overrides) | Luminary is on Amex's Select U.S. Streaming list; all three are on U.S. Bank's Altitude streaming list, and its Cash+ samples name Slacker Radio (LiveOne) |
157
+ | TV and internet | Starlink, Ziply Fiber, WOW! Internet; T-Mobile Home Internet (override, so "T-Mobile" stays cell phone) | Chase: "internet, cable, satellite television" |
158
+ | Cell phone | US Mobile, Ultra Mobile; Optimum Mobile, Cox Mobile (overrides, so "Optimum Mobile" no longer matches Optimum internet) | Chase: "cellular, wireless data" |
159
+ | Utilities | Nicor Gas, Puget Sound Energy, Republic Services, Evergy, Portland General Electric, LADWP, Consumers Energy, CenterPoint Energy | U.S. Bank's home utilities list (all but Consumers and CenterPoint); Chase: "electric, household fuel, water, and sanitation" |
160
+ | Gyms | Pure Barre, XSport Fitness, Genesis Health Clubs, EōS Fitness, Chuze Fitness, CorePower Yoga, Barry's | U.S. Bank's gym list (Pure Barre, XSport, Genesis); Chase's gyms include "fitness studios" and "yoga" |
161
+ | Movie theaters | Atom Tickets, B&B Theatres, Emagine; LOOK Dine-In Cinemas, Flix Brewhouse (overrides: in-seat dining) | U.S. Bank's movie theater list (Atom Tickets) |
162
+ | Entertainment | SeatGeek, StubHub, Vivid Seats | Ticket sellers for live events, like Ticketmaster and AXS |
163
+ | Department stores | Bealls, Century 21 | Both on Amex's select major department stores list |
164
+ | Furniture | Slumberland, Mor Furniture, Mattress Warehouse, Raymour & Flanigan, Living Spaces | U.S. Bank's furniture list (Slumberland, Mor, Mattress Warehouse) |
165
+ | Electronics | Bose | U.S. Bank's electronics store list |
166
+ | Sporting goods | Backcountry, PGA Tour Superstore, Field & Stream; Camping World (override: RV sales may code as a dealer) | U.S. Bank's sporting goods list (Backcountry, Camping World) |
167
+ | Home improvement | Harbor Freight Tools, 84 Lumber | Chase: "from larger home improvement stores to smaller hardware stores" |
168
+ | Clothing (kids) | Carter's, The Children's Place | Clothing stores. Neither is on Cash+'s select clothing list |
169
+ | Online retail | ThriftBooks, Bookshop.org, RockAuto, Tire Rack, Blue Nile, Musician's Friend, Sweetwater | Amex's online retail: "U.S. retail merchant that sells physical goods", including book, auto and music stores |
170
+ | Everything else, online retail on their sites | Books-A-Million, Half Price Books, Powell's Books, Build-A-Bear Workshop, LEGO Store, Sally Beauty, Bluemercury, Kay Jewelers, Zales, Jared, Tiffany & Co., Pandora Jewelry, Pep Boys (overrides) | Book, toy, beauty, jewelry and auto stores have no bonus category in store; Amex's online retail counts their websites. Pandora Jewelry is listed so it no longer matches the Pandora music service |
171
+ | Everything else | Ocean State Job Lot, Bargain Hunt, Daiso (discount stores); Jiffy Lube, Valvoline Instant Oil Change, Midas, Firestone Complete Auto Care, Mister Car Wash (auto service); Armstrong Garden Centers, Calloway's Nursery (garden centers); Massage Envy (overrides) | Chase's grocery leaves out "discount stores"; Chase's home improvement leaves out "garden and landscaping supplies"; Chase's gyms leave out "massage therapy"; no card has an auto service category |
172
+
173
+ ## 2026.11.04.9
174
+
175
+ Rules can now depend on how a purchase is paid (`requires: { payment: … }`, `exclude: { payment: […] }`), and the answer counts them only when the purchase says so.
176
+
177
+ Apple Card (`apple-card`, issued by Goldman Sachs, a new issuer): 3% at Apple however it's paid; 3% with Apple Pay at Ace Hardware, ChargePoint, Duane Reade, ExxonMobil, Hertz, Nike, Uber, Uber Eats and Walgreens, in the U.S.; 2% on any purchase with Apple Pay; 1% with the titanium card or the card number. No annual fee and no foreign transaction fee. Booking.com's 3% needs Apple's own booking link, so it's left out. Source: [apple.com/apple-card](https://www.apple.com/apple-card/), read 2026-11-04 with a plain fetch and in headless Chromium. New merchant: Nike (`nike`, clothing).
178
+
179
+ `paypal-cashback-mastercard` now earns 3% on purchases made through PayPal checkout online (previously a `todo`, modeled at 1.5% everywhere). Sources: [Synchrony's rewards terms](https://www.synchronycredit.com/gecrbterms/html/PayPalCashbackRewardsTerms.htm) ("3%: Each Eligible Purchase made by you through your PayPal account online") and [PayPal's card page](https://www.paypal.com/us/digital-wallet/manage-money/paypal-cashback-mastercard), read 2026-11-04.
180
+
181
+ | Card | Main rates | Fees | Sources |
182
+ | -------------------------- | ----------------------------------------------------------------------------------- | ----------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
183
+ | apple-card | 3% at Apple; 3% with Apple Pay at select U.S. merchants; 2% with Apple Pay; 1% else | $0 annual fee; no foreign transaction fee | [1](https://www.apple.com/apple-card/) |
184
+ | paypal-cashback-mastercard | 3% through PayPal checkout online; 1.5% else | $0 annual fee; 3% foreign transaction fee | [1](https://www.paypal.com/us/digital-wallet/manage-money/paypal-cashback-mastercard) · [2](https://www.synchronycredit.com/gecrbterms/html/PayPalCashbackRewardsTerms.htm) |
185
+
186
+ ## 2026.11.04.8
187
+
188
+ Sam's Club Mastercard (`sams-club-mastercard`, Synchrony): 5% on gas and EV charging on the first $6,000 a year, then 1%; 3% on dining and takeout; 3% at Sam's Club for Plus members (1% for Club members); 1% on everything else. No annual fee and no foreign transaction fee; it needs a Sam's Club membership. New memberships: `sams-club` (Club, $60 a year) and `sams-club-plus`. Sources: [Synchrony's Sam's Club page](https://www.synchrony.com/partner/sams-club) and [Sam's Club membership prices](https://www.samsclub.com/join), read 2026-11-04 (synchrony.com refuses the source check's headless browser, so its quotes were read with a plain fetch and in Chrome).
189
+
190
+ `amex-delta-skymiles-blue` now cites Amex's standard terms page (`/en-us/credit-cards/apply/terms/personal/delta-skymiles-blue-american-express-card/25330-10-0`); the address it had returns 404. Every quote is on the new page; no rates changed.
191
+
192
+ ## 2026.11.04.7
193
+
194
+ Nine new cards, each from the issuer's own pages, with a `color` for earnrate's drawing: Delta SkyMiles Blue, Hilton Honors Business and Marriott Bonvoy Business (Amex); Venture X Business and Spark Cash Plus (Capital One); Bilt Blue and Bilt Palladium (Bilt, issued by Column); JetBlue Plus (Barclays, a new issuer); and the PayPal Cashback Mastercard (Synchrony, a new issuer). New currency: JetBlue TrueBlue points (1.0¢, a conservative default since JetBlue publishes no cash value, up to TPG's 1.35¢). New merchants: Capital One Business Travel and its hotel, vacation rental, car rental and flight bookings, JetBlue Vacations and TrueBlue Travel. Not added: Citi Rewards+ (its page now redirects to Citi Strata and no readable Citi page states its terms), AAdvantage Aviator Red (Barclays no longer lists it; its page returns 404), Sam's Club Mastercard (samsclub.com's card page doesn't render for the source checker, and no readable page states the membership or foreign transaction fees) and the Robinhood Gold Card (waitlist only, its rewards rules are a PDF, and Robinhood states only a monthly price for the Gold membership the card requires).
195
+
196
+ | Card | Main rates | Fees | Sources |
197
+ | ------------------------------ | ----------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
198
+ | amex-delta-skymiles-blue | 2x at restaurants and on Delta purchases; 1x else | $0 annual fee; no foreign transaction fee | [1](https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-blue-american-express-card/) · [2](https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/delta-skymiles-blue-american-express-card/25330-10-0#offer-terms) · [3](https://www.americanexpress.com/us/content/rewards-info/retail.html) |
199
+ | amex-hilton-honors-business | 12x at Hilton; 5x on everything else (first $100,000 a year), then 3x | $195 annual fee; no foreign transaction fee | [1](https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/hilton-honors/) · [2](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms) |
200
+ | amex-marriott-bonvoy-business | 6x at Marriott; 4x at restaurants worldwide, U.S. gas, U.S. wireless and U.S. shipping; 2x else | $125 annual fee; no foreign transaction fee | [1](https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/) · [2](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms) |
201
+ | capital-one-venture-x-business | 10x on hotels and rental cars and 5x on flights and vacation rentals through Capital One Business Travel; 5x Capital One Entertainment; 2x else | $395 annual fee; no foreign transaction fee | [1](https://www.capitalone.com/small-business/credit-cards/venture-x-business/) · [2](https://disclosures.capitalone.com/disclosure.42243.en-US.html) |
202
+ | capital-one-spark-cash-plus | 5% on hotels, vacation rentals and rental cars through Capital One Business Travel; 2% else | $150 annual fee (refunded at $150,000 a year); no foreign transaction fee | [1](https://www.capitalone.com/small-business/credit-cards/spark-cash-plus/) · [2](https://disclosures.capitalone.com/disclosure.41737.en-US.html) |
203
+ | bilt-blue | 3x on Bilt Travel hotels; 3x on Lyft once linked; 2x on Bilt Travel flights; 1x else | $0 annual fee; no foreign transaction fee | [1](https://www.bilt.com/card/blue) · [2](https://www.bilt.com/card) |
204
+ | bilt-palladium | 4x on Bilt Travel hotels; 4x on Lyft once linked; 3x on Bilt Travel flights; 2x else | $495 annual fee; no foreign transaction fee | [1](https://www.bilt.com/card/palladium) · [2](https://www.bilt.com/card) |
205
+ | barclays-jetblue-plus | 6x at JetBlue, JetBlue Vacations and TrueBlue Travel; 2x at restaurants and grocery stores; 1x else | $99 annual fee; no foreign transaction fee | [1](https://cards.barclaycardus.com/banking/cards/jetblue-plus-card/) · [2](https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255) |
206
+ | paypal-cashback-mastercard | 1.5% on everything (the 3% through PayPal checkout isn't modeled) | $0 annual fee; 3% foreign transaction fee | [1](https://www.paypal.com/us/digital-wallet/manage-money/paypal-cashback-mastercard) · [2](https://www.synchronybankterms.com/gecrbterms/html/PayPalCashbackApplyTerms_combo.htm) · [3](https://www.synchronycredit.com/gecrbterms/html/PayPalCashbackRewardsTerms.htm) |
207
+
208
+ ## 2026.11.04.6
209
+
210
+ `amex-blue-cash-preferred`'s 6% U.S. streaming rule now covers AMC+, BritBox, iHeartRadio, Kindle Unlimited, MGM+ and YouTube Music Premium, all named on Amex's [Select U.S. Streaming Subscriptions list](https://www.americanexpress.com/us/content/rewards-info/retail.html) (read 2026-11-04). They joined the merchant directory in 2026.11.04.4.
211
+
212
+ ## 2026.11.04.5
213
+
214
+ First-year rates, as `intro_rates` on the card, applied when the wallet card's `opened` date (or its welcome bonus's) falls in the window:
215
+
216
+ | Card | First-year rate | Source |
217
+ | ----------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
218
+ | `discover-it-cash-back` | Cashback Match: every rate doubled for the first 365 days, past caps included | [Discover it card page](https://www.discover.com/credit-cards/cash-back/it-card/), [Cashback Match terms](https://disclosures.capitalone.com/disclosure.42300.en-US.html) |
219
+ | `bank-of-america-customized-cash-rewards` | An extra 3% in the choice category for 365 days, inside the $2,500 quarterly cap, with no BofA Rewards bonus on the extra 3% | [Customized Cash terms](https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/) |
220
+
221
+ Without an opening date, both rank at their standard rates.
222
+
223
+ ## 2026.11.04.4
224
+
225
+ The merchant directory grows from 399 to 640 entries (241 added), so each gets its own `/best/<store>` page. Names come from [NRF's 2025 Top 100 Retailers](https://nrf.com/research-insights/top-retailers/top-100-retailers/top-100-retailers-2025-list), the issuers' own merchant lists below, and well-known regional and national chains in each category; no merchant data was copied from another directory. No card rules or rates changed.
226
+
227
+ Categories follow the issuers' definitions, read 2026-11-04: [Chase's rewards category FAQ](https://www.chase.com/personal/credit-cards/rewards-category-faq), [Amex's retail category terms](https://www.americanexpress.com/us/content/rewards-info/retail.html) and [U.S. Bank's Cash+ sample merchants](https://cashplus.usbank.com/cash-plus/samplemerchants). Merchants that code unexpectedly are in `overrides.yaml` with a note.
228
+
229
+ Amazon Prime Video moves to `overrides.yaml`: "Amazon Prime Video" used to match Amazon itself, because overrides are searched first and "Amazon" starts the name. The integrity check now resolves every merchant name, alias and domain and fails if it finds another merchant, and fails if a category word ("coffee", "gas") resolves to a merchant.
230
+
231
+ | Category | Added | Source for the category |
232
+ | --------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
233
+ | Supermarkets | Jewel-Osco, Acme Markets, Tom Thumb, Randalls, Shaw's, Star Market, Cub Foods, Schnucks, Dierbergs, Pick 'n Save, Weis Markets, Ingles Markets, Grocery Outlet, Save A Lot, Piggly Wiggly, Market Basket, Save Mart, Tops Markets, Brookshire's, Food City, Big Y, The Giant Company, Lowes Foods, Rouses Markets, H Mart, 99 Ranch Market | Supermarkets; U.S. Bank's grocery list names Jewel-Osco, Cub Foods, Schnucks, Dierbergs and Pick 'n Save |
234
+ | Supermarkets (supercenters) | Meijer, Fred Meyer (overrides: may code as a superstore) | U.S. Bank calls both grocery stores; Amex: "Superstores ... are NOT considered supermarkets" |
235
+ | Store pharmacies | Walmart Pharmacy, Kroger Pharmacy, Publix Pharmacy, H-E-B Pharmacy (overrides: code as the store, may code as a drugstore) | Chase's drugstores leave out "warehouse clubs, discount stores, or grocery stores" with an onsite pharmacy |
236
+ | Everything else (liquor stores) | Total Wine & More, Spec's (overrides) | Amex's supermarkets leave out "liquor stores"; so does Chase's online grocery |
237
+ | Gas | Gulf, Murphy USA (both named by Amex), Conoco, Sinclair, Texaco, ARCO, Cenex; GetGo, Kwik Shop, Thorntons, Royal Farms, QuickChek, Stewart's Shops, Rutter's (overrides: may code as a convenience store where there are no pumps) | Amex's gas station examples; U.S. Bank lists Cenex. GetGo is Giant Eagle's: Chase's grocery leaves out "gas stations from merchants who also operate grocery stores" |
238
+ | Fast food | Hardee's, Checkers & Rally's, Krystal, White Castle, Church's Texas Chicken, Wienerschnitzel, Taco John's, Captain D's, Long John Silver's, Papa Murphy's, Marco's Pizza, Jet's Pizza, Jollibee; Tim Hortons, Peet's Coffee, Caribou Coffee; Baskin-Robbins, Cold Stone Creamery | Counter-service chains; U.S. Bank lists Papa Murphy's under fast food |
239
+ | Fast food (fast casual) | Panera Bread, CAVA, Noodles & Company, MOD Pizza, Blaze Pizza, Moe's, Potbelly, McAlister's, Jason's Deli, Freddy's, Portillo's, Smoothie King (overrides: may code as restaurants) | As for Five Guys and Shake Shack: fast-casual chains can post as fast food or as restaurants |
240
+ | Restaurants | Cheddar's, Perkins, Golden Corral, Logan's Roadhouse, O'Charley's, Ruth's Chris, Morton's, Fleming's, The Capital Grille, Bahama Breeze, Hard Rock Cafe, First Watch, Black Bear Diner, Huddle House, Benihana, California Pizza Kitchen, Texas de Brazil, Fogo de Chão; Smashburger (override: may code as fast food); Dave & Buster's (override: game cards may post separately) | Full-service chains; U.S. Bank lists Cheddar's, Perkins and Smashburger under restaurants |
241
+ | Restaurants inside other businesses | Madison Square Garden, Yankee Stadium, Fenway Park, Wrigley Field (entertainment); Caesars Palace, MGM Grand, The Venetian, Wynn Las Vegas, ARIA (hotels); Studio Movie Grill (movie theater) (overrides, as for Dodger Stadium, Bellagio and Alamo Drafthouse) | Chase: food sold "within facilities such as sports stadiums, hotels and casinos" isn't dining; Amex: a restaurant inside a hotel "may be recognized as a purchase at a hotel" |
242
+ | Transit | WMATA, CTA, LA Metro, SFMTA (Muni), Caltrain, MARTA, DART, TriMet, PATH, Brightline, Megabus, FlixBus | Chase: "passenger trains, buses ... ferries"; U.S. Bank lists TriMet and Ventra |
243
+ | Transit (parking and tolls) | PayByPhone, ParkWhiz, LAZ Parking (MCC 7523); E-ZPass, SunPass, FasTrak, TxTag (MCC 4784) (overrides) | Chase's transit names "toll bridges and highways, and parking lots and garages"; U.S. Bank's ground transportation leaves out "parking garages and toll stations" |
244
+ | Rideshare | Curb | Chase's rideshare: "taxi, limousine, and rideshare services" |
245
+ | Everything else (truck rental) | U-Haul, Penske Truck Rental, Budget Truck Rental (overrides) | Chase's car rental leaves out "vehicle rentals for the purpose of hauling" |
246
+ | Flights | Breeze Airways, Avelo, British Airways, Lufthansa, Air France, KLM, Emirates, Qatar Airways, Virgin Atlantic, Aer Lingus, Japan Airlines, All Nippon Airways, Singapore Airlines, Turkish Airlines, Icelandair, WestJet, Aeroméxico, Volaris | Airlines |
247
+ | Hotels | Extended Stay America, Sonesta, Omni, Loews, Four Seasons, Accor, Radisson, Drury, Great Wolf Lodge, each with its brands as aliases | Hotels |
248
+ | Car rental | Advantage, Europcar | Car rental agencies |
249
+ | Cruises | MSC Cruises, Holland America Line, Viking, Virgin Voyages | Cruise lines |
250
+ | Travel (agencies) | Trip.com, Agoda, CheapOair, Hotwire | Chase: airline- and hotel-direct bonuses leave out "travel agencies, discount travel sites" |
251
+ | Streaming | AMC+, BritBox, iHeartRadio, MGM+, YouTube Music Premium; Kindle Unlimited (override: billed by Amazon) | All on Amex's Select U.S. Streaming Subscriptions list |
252
+ | TV and internet | Verizon Fios, Google Fiber, Mediacom, Astound Broadband, Kinetic by Windstream | Chase: "internet, cable, satellite television" |
253
+ | Cell phone | Consumer Cellular, Straight Talk, Tracfone, Total Wireless, Spectrum Mobile; Xfinity Mobile (override, so "Xfinity" alone still means Comcast) | U.S. Bank's cell phone list (Consumer Cellular, Straight Talk, TracFone, Xfinity Mobile) |
254
+ | Utilities | Ameren, ComEd, Xcel Energy, National Grid, Eversource, PSE&G, Entergy, SDG&E, APS, DTE Energy, PECO, Waste Management | U.S. Bank's home utilities list (Ameren, ComEd, Xcel Energy, Waste Management); Chase: "electric, household fuel, water, and sanitation" |
255
+ | Drugstores | Health Mart | A pharmacy network |
256
+ | Movie theaters | Cinépolis, Megaplex Theatres, Fandango | U.S. Bank's movie theater list (Megaplex, Fandango.com) |
257
+ | Gyms | Snap Fitness, SoulCycle, Gold's Gym, Club Pilates, F45 Training | U.S. Bank's gym list (Snap Fitness, SoulCycle); Chase's gyms include "fitness studios" |
258
+ | Entertainment | AXS | A ticket seller for live events, like Ticketmaster |
259
+ | Department stores | Neiman Marcus, Von Maur, Boscov's | U.S. Bank's department store list (Von Maur) |
260
+ | Clothing | Torrid, Lane Bryant, LOFT, Chico's, Madewell, Athleta, Men's Wearhouse, Buckle, PacSun, Hot Topic | Clothing stores. None is on Cash+'s select clothing list, which matches by merchant |
261
+ | Electronics | Monoprice | U.S. Bank's electronics store list |
262
+ | Furniture | American Furniture Warehouse, Room & Board, RC Willey, Nebraska Furniture Mart, Value City Furniture, Mattress Firm | U.S. Bank's furniture list (all but Mattress Firm; it lists Mattress Warehouse) |
263
+ | Sporting goods | Orvis, Golf Galaxy, Sportsman's Warehouse, Play It Again Sports, Dunham's Sports | U.S. Bank's sporting goods list (all but Dunham's) |
264
+ | Everything else, online retail on their sites | O'Reilly Auto Parts, Advance Auto Parts, NAPA Auto Parts, Discount Tire, Bath & Body Works, Barnes & Noble, Guitar Center, DSW, Pet Supplies Plus (overrides) | Amex's online retail: "U.S. retail merchant that sells physical goods", including auto, book, footwear and pet stores |
265
+
266
+ ## 2026.11.04.3
267
+
268
+ A `color` for every card (its card face's main color, roughly) and every issuer, for earnrate's own drawings of cards on earnrate.dev; never the issuer's card art. Display only; no rates changed.
269
+
270
+ ## 2026.11.04.2
271
+
272
+ Short names (`short_name`, at most 24 characters) for the 35 cards whose names are too long for one line of the Apple Wallet pass, like "AAdvantage Platinum" and "BofA Customized Cash". Display only; no rates changed.
273
+
274
+ ## 2026.11.04.1
275
+
276
+ The parent `grocery` category reads "grocery stores" in sentences ("bonus at grocery stores, restaurants and American Red Cross"); its search page stays at /best/grocery. No rates changed.
277
+
278
+ ## 2026.11.04
279
+
280
+ Eleven new cards, each from the issuer's own pages: Ink Business Unlimited and Freedom Rise (Chase); Business Gold and Business Platinum (Amex); Unlimited Cash Rewards, Travel Rewards and Premium Rewards (Bank of America, with the BofA Rewards tiers as on Customized Cash Rewards); Altitude Go and Altitude Connect (U.S. Bank); Autograph Journey (Wells Fargo); and Citi Strata. New currencies: Bank of America Travel Rewards points (1¢ as a travel and dining statement credit, 0.6¢ as cash), Bank of America Premium Rewards points (1¢) and U.S. Bank Altitude points (1¢), each at the issuer's own redemption rate. New merchants: Bank of America Travel Center, and prepaid hotels and car rentals through the U.S. Bank Travel Center. Apple Card, Amex Green and Capital One SavorOne weren't added: Apple Card's 1% rate is stated only in a PDF agreement and its 2% needs Apple Pay, which earnrate can't see; Amex no longer lists Green; SavorOne's page now redirects to Savor, already on file.
281
+
282
+ | Card | Main rates | Fees | Sources |
283
+ | -------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
284
+ | chase-ink-business-unlimited | 1.5% on everything; 5% on Lyft rides through Sept 30, 2027 | $0 annual fee; 3% foreign transaction fee | [1](https://creditcards.chase.com/business-credit-cards/ink/unlimited) · [2](https://www.chase.com/personal/credit-cards/education/rewards-benefits/how-to-combine-chase-credit-card-points-in-household) · [3](https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC63749.html) |
285
+ | chase-freedom-rise | 1.5% on everything | $0 annual fee; 3% foreign transaction fee | [1](https://creditcards.chase.com/cash-back-credit-cards/freedom/rise) · [2](https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65397.html) |
286
+ | amex-business-gold | 4x in the 2 of 6 categories with the most spend each billing period (first $150,000 a year); 3x on flights and prepaid hotels through Amex Travel; 1x else | $375 annual fee; no foreign transaction fee | [1](https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/) · [2](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms) |
287
+ | amex-business-platinum | 5x on flights and prepaid hotels through Amex Travel; 2x at U.S. hardware suppliers, electronics stores and shipping (first $2 million a year); 1x else | $895 annual fee; no foreign transaction fee | [1](https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex/) · [2](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms) |
288
+ | bank-of-america-unlimited-cash-rewards | 1.5% on everything; 10–75% more with BofA Rewards | $0 annual fee; 3% foreign transaction fee | [1](https://www.bankofamerica.com/credit-cards/products/unlimited-cash-back-credit-card/) · [2](https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4082058&productoffercode=6E&locale=en_US) · [3](https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/) |
289
+ | bank-of-america-travel-rewards | 3x through the Bank of America Travel Center; 1.5x else; 10–75% more with BofA Rewards | $0 annual fee; no foreign transaction fee | [1](https://www.bankofamerica.com/credit-cards/products/travel-rewards-credit-card/) · [2](https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079333&productoffercode=75&locale=en_US) · [3](https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/) |
290
+ | bank-of-america-premium-rewards | 2x on travel and dining; 1.5x else; 10–75% more with BofA Rewards | $95 annual fee; no foreign transaction fee | [1](https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/) · [2](https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079485&productoffercode=UN&locale=en_US) · [3](https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/) |
291
+ | usbank-altitude-go | 4x on dining (first $2,000 a quarter); 2x on groceries, gas and EV charging, and streaming; 1x else | $0 annual fee; 3% foreign transaction fee | [1](https://www.usbank.com/credit-cards/altitude-go-visa-signature-credit-card.html) · [2](https://onboarding.usbank.com/gateway/partner/credit-card/begin?locationCode=18569&offerId=HQWRM3D57Q&sourceCode=88268&page=terms) · [3](https://rewards.usbank.com/benefits/card/AltitudeGoBenefits/program-rules) |
292
+ | usbank-altitude-connect | 5x on prepaid hotels and car rentals in the Travel Center; 4x on travel and on gas and EV charging (first $1,000 a quarter); 2x on dining, groceries and streaming; 1x else | $0 annual fee; no foreign transaction fee | [1](https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html) · [2](https://onboarding.usbank.com/gateway/partner/credit-card/begin?locationCode=18569&offerId=8BB5BD89H1&sourceCode=88416&page=terms) · [3](https://rewards.usbank.com/benefits/card/AltitudeConnectBenefits/program-rules) |
293
+ | wells-fargo-autograph-journey | 5x at hotels; 4x on airlines; 3x at restaurants and on other travel; 1x else | $95 annual fee; no foreign transaction fee | [1](https://creditcards.wellsfargo.com/autograph-journey-visa-credit-card/) · [2](https://www.wellsfargo.com/credit-cards/autograph-journey-visa/terms/) |
294
+ | citi-strata | 5x on hotels, car rentals and attractions through Citi Travel; 3x at supermarkets, on gas, EV charging and select transit, and in a Self-Select Category; 2x at restaurants; 1x else | $0 annual fee; 3% foreign transaction fee | [1](https://www.citi.com/credit-cards/citi-strata-credit-card) · [2](https://online.citi.com/US/nga/cards/displayterms?app=UNSOL&HKOP=694a2bccaa4fab7c7710d9d9f1f36fbac5552a971559393761b722e87102c50f) |
295
+
5
296
  ## 2026.11.03.6
6
297
 
7
298
  Twelve new cards, each from the issuer's own pages: Delta SkyMiles Gold, Platinum and Reserve, Hilton Honors, Surpass and Aspire, and Marriott Bonvoy Brilliant and Bevy (Amex); Marriott Bonvoy Boundless and Bold (Chase); Capital One Quicksilver; and Discover it Cash Back. New currencies: Delta SkyMiles (1.0¢, Delta's Pay with Miles rate, up to TPG's 1.2¢), Hilton Honors points (0.4¢, TPG's November 2026 valuation; Hilton publishes no cash value) and Marriott Bonvoy points (0.5¢, up to TPG's 0.75¢). New merchants: Delta Vacations, Delta Stays, Caviar, Delivery.com, E-Z, Fox, Payless and Sixt car rentals, and activities through Capital One Travel. The three Hilton cards cite their Amex terms pages at the address Amex serves them from (the first one given returned 404).
package/data/VERSION CHANGED
@@ -1 +1 @@
1
- 2026.11.03.6
1
+ 2026.11.04.15
package/data/cards/amex-blue-business-plus.yaml CHANGED
@@ -1,5 +1,6 @@
1
1
  id: amex-blue-business-plus
2
2
  name: American Express Blue Business Plus Credit Card
3
+ color: '#1f5fa8'
3
4
  issuer: amex
4
5
  network: amex
5
6
  currency: MR
package/data/cards/amex-blue-cash-everyday.yaml CHANGED
@@ -1,5 +1,6 @@
1
1
  id: amex-blue-cash-everyday
2
2
  name: American Express Blue Cash Everyday Card
3
+ color: '#4a90c8'
3
4
  issuer: amex
4
5
  network: amex
5
6
  currency: cash
@@ -53,8 +54,21 @@ rules:
53
54
  geography: us_only
54
55
  cap: { amount: 6000, period: calendar_year, then_rate: 1 }
55
56
  note: Superstores, supermarkets and warehouse clubs that sell gas are not gas stations.
56
- # Each 3% category has its own $6,000 calendar-year cap. Not modeled: the
57
- # Disney streaming statement credit.
57
+ # Each 3% category has its own $6,000 calendar-year cap.
58
+ # Merchant statement credits, on top of what the purchase earns.
59
+ credits:
60
+ - id: home-chef
61
+ match: { merchants: [home-chef] }
62
+ amount: 15
63
+ period: month
64
+ enroll: true
65
+ note: 'A Home Chef meal kit subscription bought at homechef.com/blue-cash-everyday. Not individual meal kits, kitchenware or gift cards.'
66
+ - id: disney-streaming
67
+ match: { merchants: [disney-plus, hulu, espn] }
68
+ amount: 7
69
+ period: month
70
+ enroll: true
71
+ note: "Subscriptions bought at DisneyPlus.com, Hulu.com or Stream.ESPN.com, bundles included; an annual plan gets one $7 credit, in the month it's bought. Not through an app store or a device, or with cable."
58
72
  # Issuer text backing each rule; `yarn check-sources` checks it weekly.
59
73
  evidence:
60
74
  - rule: base_rate
@@ -99,5 +113,18 @@ evidence:
99
113
  - rule: foreign_transaction_fee
100
114
  url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-everyday-credit-card/25330-10-0
101
115
  quote: 'Foreign Transaction 2.7% of each transaction after conversion to US dollars'
116
+ - rule: home-chef
117
+ url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-everyday-credit-card/25330-10-0
118
+ quote: 'can receive up to $15 in monthly statement credits'
119
+ - rule: home-chef
120
+ url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-everyday-credit-card/25330-10-0
121
+ quote: 'Enrollment on the American Express Benefit Dashboard is required to receive this benefit.'
122
+ - rule: disney-streaming
123
+ url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-everyday-credit-card/25330-10-0
124
+ quote: 'Basic Card Members can receive up to $7 in statement credits each month'
125
+ - rule: disney-streaming
126
+ url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-everyday-credit-card/25330-10-0
127
+ quote: 'made on their enrolled Card Account online at U.S. websites DisneyPlus.com, Hulu.com or Stream.ESPN.com'
102
128
  todo:
103
129
  - "Amex's online retail examples name Walmart.com and drug stores, so superstore and drugstore sites earn 3% here; online grocery orders don't, but a grocery order on walmart.com or target.com can't be told apart from other purchases there. Warehouse club sites (costco.com, samsclub.com) aren't named, so they aren't modeled."
130
+ - 'Amex''s rewards terms count eligible purchases as "purchases for goods and services minus returns and other credits" and don''t say whether that takes out benefit statement credits. Its credits are modeled as earning the card''s rate on the whole purchase, with the credit on top.'