earnrate 0.2.11 → 0.2.13

package/data/cards/amex-blue-cash-preferred.yaml

@@ -1,5 +1,6 @@
 id: amex-blue-cash-preferred
 name: American Express Blue Cash Preferred Card
+color: '#1d3f7a'
 issuer: amex
 network: amex
 currency: cash
@@ -33,9 +34,11 @@ rules:
         merchants:
           [
             amazon-music,
+            amc-plus,
             apple-music,
             apple-tv,
             audible,
+            britbox,
             directv-stream,
             discovery-plus,
             disney-plus,
@@ -43,6 +46,10 @@ rules:
             fubotv,
             max,
             hulu,
+            iheartradio,
+            kindle-unlimited,
+            luminary,
+            mgm-plus,
             mlb-tv,
             nba-league-pass,
             netflix,
@@ -55,6 +62,7 @@ rules:
             spotify,
             starz,
             tidal,
+            youtube-music,
             youtube-premium,
             youtube-tv,
           ],
@@ -72,8 +80,17 @@ rules:
     rate: 3
     geography: us_only
     note: Superstores, supermarkets and warehouse clubs that sell gas are not gas stations.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: disney-streaming
+    match: { merchants: [disney-plus, hulu, espn] }
+    amount: 10
+    period: month
+    enroll: true
+    note: Subscriptions bought at DisneyPlus.com, Hulu.com or Stream.ESPN.com, bundles included; an annual plan gets one $10 credit, in the month it's bought. Not through an app store or a device, or with cable.
 todo:
   - Amex's Select U.S. Streaming list also names AMC+, Britbox, iHeartRadio, Kindle Unlimited, Luminary and MGM+, which earnrate doesn't know as stores yet.
+  - 'Amex''s rewards terms count eligible purchases as "purchases for goods and services minus returns and other credits", which may or may not take out benefit statement credits; it doesn''t say. The disney-streaming credit is modeled as earning the card''s rate on the whole purchase, with the credit on top.'
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
@@ -121,3 +138,12 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-preferred-credit-card/25330-10-0#offer-terms
     quote: 'Foreign Transaction 2.7% of each transaction after conversion to US dollars'
+  - rule: disney-streaming
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-preferred-credit-card/25330-10-0#offer-terms
+    quote: 'Basic Card Members can receive up to $10 in statement credits each month'
+  - rule: disney-streaming
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-preferred-credit-card/25330-10-0#offer-terms
+    quote: 'made on their enrolled Card Account online at U.S. websites DisneyPlus.com, Hulu.com or Stream.ESPN.com'
+  - rule: disney-streaming
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-preferred-credit-card/25330-10-0#offer-terms
+    quote: 'Enrollment through American Express is required to receive the benefit.'

package/data/cards/amex-business-gold.yaml

@@ -0,0 +1,169 @@
+id: amex-business-gold
+name: American Express Business Gold Card
+color: '#c9a55c'
+issuer: amex
+network: amex
+currency: MR
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+base_rate: 1
+business: true
+annual_fee: 375
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 200000
+  spend: 15000
+  months: 3
+  varies: true
+  note: 'The public offer is "as high as" 200,000 points; Amex shows the exact amount (which may be lower, or no offer) after you apply and before you accept. Not available if you have or have had this Card or previous versions of it, and Amex may also decline based on your card history. One offer per Card Account.'
+choices:
+  # Amex picks these itself: the 2 of 6 categories with the most eligible
+  # purchases each billing period. Tell earnrate the two you expect.
+  - id: top-two
+    pick: 2
+    period: month
+    options:
+      us-advertising: [online_advertising]
+      us-electronics-software-cloud: [electronics]
+      us-restaurants: [dining]
+      us-gas-stations: [gas]
+      transit: [transit]
+      us-wireless-phone: [phone]
+caps:
+  - id: top-two
+    amount: 150000
+    period: calendar_year
+    then_rate: 1
+rules:
+  - id: top-two-us
+    match:
+      choice: top-two
+      categories: [online_advertising, electronics, dining, gas, phone]
+    exclude: { categories: [gas.grocery_store, gas.superstore] }
+    rate: 4
+    geography: us_only
+    cap: top-two
+    note: In the 2 of 6 categories with the most purchases each billing period, the first $150,000 a calendar year across both. U.S. online, TV and radio advertising; U.S. electronics stores and software and cloud providers; U.S. restaurants, including takeout and delivery; U.S. gas stations (not at superstores, supermarkets or warehouse clubs); and U.S. wireless phone service bought directly from the carrier (not Google Fi, resellers or authorized retailers).
+  - id: top-two-transit
+    match: { choice: top-two, categories: [transit] }
+    rate: 4
+    cap: top-two
+    note: When transit is one of the top 2 categories. Trains, taxis, rideshare, ferries, tolls, parking, buses and subways. Shares the $150,000 yearly cap.
+  - id: flights-prepaid-hotels-amex-travel
+    match: { merchants: [amex-travel-flights, amex-travel-hotels] }
+    rate: 3
+    note: Scheduled flights booked online at AmexTravel.com or the Amex Travel app, and prepaid hotels booked through American Express Travel. Not non-prepaid hotels, or flights or flight+hotel packages booked by phone.
+  - id: other-amex-travel
+    match:
+      {
+        merchants:
+          [amex-travel-car-rentals, amex-travel-cruises, airbnb-amex-travel],
+      }
+    rate: 2
+    note: Prepaid car rentals, cruises and prepaid Airbnb stays booked through AmexTravel.com or the Amex Travel app.
+# Not modeled: the $240 flexible business credit (Grubhub and UPS.com plus
+# the office supply store category, which a credit can't mix) and the Venue
+# Collection (10% back, not a fixed amount).
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: chatgpt-business
+    match: { merchants: [chatgpt] }
+    amount: 300
+    period: calendar_year
+    enroll: true
+    note: 'ChatGPT Business bought directly from OpenAI in the U.S.'
+  - id: squarespace
+    match: { merchants: [squarespace] }
+    amount: 150
+    period: calendar_year
+    enroll: true
+    note: 'Bought directly from Squarespace on squarespace.com or acuityscheduling.com.'
+  - id: walmart-plus
+    match: { merchants: [walmart-plus] }
+    amount: 12.95
+    period: month
+    note: 'One Walmart+ monthly membership fee a month, plus its tax. Not annual memberships, Plus Ups or Walmart Business+.'
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'will get at least one Membership Rewards® point for each dollar of eligible purchases'
+  - rule: top-two-us
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/
+    quote: '4X points are earned on the first $150,000 in combined purchases each calendar year.'
+  - rule: top-two-us
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'in the 2 categories (of 6) where the Card Account had the most eligible purchases each billing period'
+  - rule: top-two-us
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'purchases of online, television, and radio advertising made from media providers located in the U.S.'
+  - rule: top-two-us
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'purchases from electronic goods retailers or software and cloud system providers in the U.S.'
+  - rule: top-two-us
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'restaurants located in the U.S, including takeout and delivery'
+  - rule: top-two-us
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations'
+  - rule: top-two-us
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'monthly wireless telephone service charges made directly from a wireless telephone service provider located in the U.S.'
+  - rule: top-two-us
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'Any purchases from Google Fi, third parties, authorized retailers or resellers are excluded.'
+  - rule: top-two-transit
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'trains, taxi cabs, rideshare services, ferries, tolls, parking, buses, and subways'
+  - rule: flights-prepaid-hotels-amex-travel
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/
+    quote: 'On Flights & Pre-Paid Hotels'
+  - rule: flights-prepaid-hotels-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'Basic Card Members will get 2 additional points (for a total of 3 points)'
+  - rule: other-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'prepaid car rental reservations booked through AmexTravel.com or the Amex Travel App'
+  - rule: other-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'cruise reservations booked through AmexTravel.com'
+  - rule: other-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'prepaid short-term rental reservations booked with Airbnb through AmexTravel.com'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'The annual fee for the Business Gold Card is $375.'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/
+    quote: 'AS HIGH AS 200,000 Membership Rewards® Points'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/
+    quote: 'after you spend $15,000 in purchases on your new Card within the first 3 months of Card Membership'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'if you have or have had this Card or previous versions of this Card'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+  - rule: chatgpt-business
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'Each Card Account is eligible for up to $300 in statement credits per calendar year.'
+  - rule: chatgpt-business
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'Valid only on purchases of ChatGPT Business made directly with OpenAI'
+  - rule: squarespace
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'Each Card Account is eligible for up to $150 in statement credits per calendar year.'
+  - rule: squarespace
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'Valid only on purchases made directly with Squarespace on squarespace.com or acuityscheduling.com'
+  - rule: walmart-plus
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
+    quote: 'statement credit for one Walmart+ monthly membership fee (up to $12.95 plus applicable taxes)'
+todo:
+  - 'Software and cloud system providers count toward the electronics category, but earnrate has no software or cloud category, so only electronics stores are modeled.'
+  - "From February 17, 2027, advertising counts only when bought directly from Meta, Google, Amazon, Microsoft, GoDaddy and Yelp, and wireless only from Verizon, AT&T, T-Mobile, Frontier, Comcast, Charter, Spectrum Mobile, UScellular, Optimum, Ultra Mobile and Mint Mobile. earnrate has no way to limit a category to named merchants from a date, so this isn't modeled yet."
+  - '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.'

package/data/cards/amex-business-platinum.yaml

@@ -0,0 +1,184 @@
+id: amex-business-platinum
+name: The Business Platinum Card from American Express
+short_name: Amex Business Platinum
+color: '#b9bcc0'
+issuer: amex
+network: amex
+currency: MR
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+base_rate: 1
+business: true
+annual_fee: 895
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 300000
+  spend: 20000
+  months: 3
+  varies: true
+  note: 'The public offer is "as high as" 300,000 points; Amex shows the exact amount (which may be lower, or no offer) after you apply and before you accept. Not available if you have or have had this Card or previous versions of it, and Amex may also decline based on your card history.'
+caps:
+  - id: key-business-categories
+    amount: 2000000
+    period: calendar_year
+    then_rate: 1
+rules:
+  - id: flights-prepaid-hotels-amex-travel
+    match:
+      {
+        merchants:
+          [amex-travel-flights, amex-travel-hotels, airbnb-amex-travel],
+      }
+    rate: 5
+    note: Scheduled flights booked through AmexTravel.com or the Amex Travel app (not by phone), prepaid hotels booked through American Express Travel, and prepaid Airbnb stays booked through AmexTravel.com. Not charter or private flights, or flights in tours, cruises or packages.
+  - id: other-amex-travel
+    match: { merchants: [amex-travel-car-rentals, amex-travel-cruises] }
+    rate: 2
+    note: Prepaid car rentals and cruises booked through AmexTravel.com or the Amex Travel app.
+  - id: us-hardware-suppliers
+    match: { categories: [home_improvement] }
+    rate: 2
+    geography: us_only
+    cap: key-business-categories
+    note: U.S. construction material and hardware suppliers. The first $2 million a calendar year across the 2X categories, then 1X.
+  - id: us-electronics-software-cloud
+    match: { categories: [electronics] }
+    rate: 2
+    geography: us_only
+    cap: key-business-categories
+    note: U.S. electronic goods retailers and software and cloud system providers. Shares the $2 million yearly cap.
+  - id: us-shipping
+    match: { categories: [shipping] }
+    rate: 2
+    geography: us_only
+    cap: key-business-categories
+    note: U.S. shipping providers. Shares the $2 million yearly cap.
+# Not modeled: the hotel and Airbnb credits (only some Amex Travel bookings),
+# the airline fee credit (an airline you pick), Adobe and the extra Dell
+# credit (after a spending total), the 35% Pay with Points airline bonus and
+# lounge access.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: hilton
+    match: { merchants: [hilton] }
+    amount: 50
+    period: quarter
+    enroll: true
+    note: 'Bookings and incidental charges directly with a property in the Hilton portfolio. Enrolling signs you up for Hilton for Business, which needs a Hilton Honors account.'
+  - id: clear-plus
+    match: { merchants: [clear] }
+    amount: 219
+    period: calendar_year
+    note: 'An annual CLEAR+ membership.'
+  - id: chatgpt-business
+    match: { merchants: [chatgpt] }
+    amount: 300
+    period: calendar_year
+    enroll: true
+    note: 'ChatGPT Business bought directly from OpenAI in the U.S.'
+  - id: wireless
+    match: { categories: [phone] }
+    amount: 10
+    period: month
+    enroll: true
+    note: 'Monthly wireless phone service bought directly from a U.S. provider, not hardware. From February 17, 2027, only Verizon, AT&T, T-Mobile, Frontier, Comcast, Charter, Spectrum Mobile, UScellular, Optimum, Ultra Mobile and Mint Mobile.'
+  - id: indeed
+    match: { merchants: [indeed] }
+    amount: 90
+    period: quarter
+    enroll: true
+    note: 'Bought directly on Indeed.com in the U.S.'
+  - id: dell
+    match: { merchants: [dell] }
+    amount: 150
+    period: calendar_year
+    enroll: true
+    note: "Bought directly from Dell Technologies in the U.S. The extra $1,000 after $5,000 of Dell purchases in a year isn't modeled."
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'Basic Card Members will get 1 Membership Rewards® point for each dollar charged for eligible purchases'
+  - rule: flights-prepaid-hotels-amex-travel
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex/
+    quote: 'Earn 5X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com.'
+  - rule: flights-prepaid-hotels-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'Basic Card Members will earn 4 additional points (for a total of 5 Membership Rewards points or 5x points)'
+  - rule: flights-prepaid-hotels-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'prepaid short-term rental reservations booked with Airbnb through AmexTravel.com'
+  - rule: flights-prepaid-hotels-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'Eligible air and lodging bookings do not include: charter flights, private jet flights'
+  - rule: other-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'prepaid car rental reservations booked through AmexTravel.com or the Amex Travel App'
+  - rule: other-amex-travel
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'will receive one (1) additional Membership Rewards® point per dollar spent on eligible cruise bookings'
+  - rule: us-hardware-suppliers
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'You get 2X Membership Rewards® points per dollar on up to two million dollars'
+  - rule: us-hardware-suppliers
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'U.S. construction material and hardware suppliers'
+  - rule: us-electronics-software-cloud
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'U.S. electronic goods retailers and software & cloud system providers'
+  - rule: us-shipping
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'at U.S. shipping providers, or (4) eligible purchases of $5,000 or more'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'The annual fee for the Business Platinum Card® is $895.'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex/
+    quote: 'AS HIGH AS 300,000 Membership Rewards® Points'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex/
+    quote: 'after you spend $20,000 in purchases on your new Card within the first 3 months of Card Membership'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'if you have or have had this Card or previous versions of this Card'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+  - rule: hilton
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'each Card Account is only eligible for up to $50 in statement credits per quarter'
+  - rule: hilton
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'must be charged directly with a property within the Hilton portfolio'
+  - rule: clear-plus
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'earn up to $219 in statement credits per calendar year when their Business Platinum Card®'
+  - rule: chatgpt-business
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'Each Card Account is eligible for up to $300 in statement credits per calendar year.'
+  - rule: chatgpt-business
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'Valid only on purchases of ChatGPT Business made directly with OpenAI'
+  - rule: wireless
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'each Card Account is only eligible for up to $10 in statement credits per month'
+  - rule: wireless
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'monthly wireless telephone service charges made directly from a wireless telephone service provider in the United States'
+  - rule: indeed
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'eligible for up to $90 USD in statement credits per quarter'
+  - rule: indeed
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'Valid only on purchases made directly with Indeed.com'
+  - rule: dell
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'Each Card Account can receive up to $150 in statement credits for eligible purchases with Dell Technologies'
+todo:
+  - "Any eligible purchase of $5,000 or more earns 2X (inside the same $2 million yearly cap). earnrate has no rule condition on purchase size, so this isn't modeled."
+  - "Software and cloud system providers count toward the electronics category, but earnrate has no software or cloud category, so only electronics stores are modeled. Construction material and hardware suppliers are modeled as earnrate's home improvement category."
+  - 'From February 17, 2027, U.S. shipping providers count only when bought directly from UPS, FedEx, USPS, Auctane, DHL, Worldwide Express and Old Dominion Freight Line. Not modeled yet.'
+  - '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.'

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

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

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

@@ -1,5 +1,7 @@
 id: amex-delta-skymiles-gold
 name: Delta SkyMiles Gold American Express Card
+short_name: Delta SkyMiles Gold
+color: '#c9a24f'
 issuer: amex
 network: amex
 currency: delta-skymiles
@@ -44,6 +46,19 @@ milestones:
     rewards:
       - $200 Delta Flight Credit
     note: A Delta eCredit for Delta flights bought on delta.com or with Delta Reservations (also the airfare part of a Delta Vacations package), not bag fees, upgrades or other fees. It expires one year after it's issued. Additional Card Members' purchases count; gift cards, prepaid cards and cash equivalents don't.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: delta-stays
+    match: { merchants: [delta-stays] }
+    amount: 100
+    period: calendar_year
+    note: 'A new prepaid hotel or vacation rental booked on Delta Stays (delta.com/stays). Not resort, property or cancellation fees.'
+  - id: rideshare
+    match: { merchants: [uber, lyft, curb, alto] }
+    amount: 10
+    period: month
+    enroll: true
+    note: 'U.S. rides with Uber, Lyft, Curb or Alto. Enrollment opens 12 months after the account opens.'
 evidence:
   - rule: base_rate
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
@@ -114,7 +129,20 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
     quote: 'Foreign Transaction None Penalty Fees'
+  - rule: delta-stays
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'can earn up to $100 in statement credits per calendar year when a Basic Card'
+  - rule: rideshare
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'Enrolled Basic Card Members can earn up to $10 in statement credits per month each year'
+  - rule: rideshare
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'is available starting 12 months from the date the Card Account is opened'
+  - rule: rideshare
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'rideshare services: Uber, Lyft, Curb, and Alto'
 todo:
   - The welcome offer's $250 statement credit (same $3,000 spend as the miles) isn't counted, since an offer is either miles or dollars.
   - The welcome offer ends 11/04/2026; re-check the card page for the next one.
-  - Not modeled (statement credits and perks, not miles per dollar) the $100 Delta Stays credit, the $120 rideshare credit (after the first renewal, enrollment required), 20% back on Delta in-flight food and drinks, and TakeOff 15 (15% off Delta award flights).
+  - Not modeled (statement credits and perks, not miles per dollar) 20% back on Delta in-flight food and drinks, and TakeOff 15 (15% off Delta award flights).
+  - '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.'

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

@@ -1,5 +1,7 @@
 id: amex-delta-skymiles-platinum
 name: Delta SkyMiles Platinum American Express Card
+short_name: Delta SkyMiles Platinum
+color: '#a9abae'
 issuer: amex
 network: amex
 currency: delta-skymiles
@@ -40,6 +42,25 @@ rules:
     rate: 2
     geography: us_only
     note: Superstores, convenience stores, warehouse clubs and meal-kit delivery services are not supermarkets.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: resy
+    match: { merchants: [resy] }
+    amount: 10
+    period: month
+    enroll: true
+    note: 'U.S. restaurants that take Resy reservations, and purchases on Resy.com, in the Resy app or through Resy Pay.'
+  - id: rideshare
+    match: { merchants: [uber, lyft, curb, alto] }
+    amount: 10
+    period: month
+    enroll: true
+    note: 'U.S. rides with Uber, Lyft, Curb or Alto.'
+  - id: delta-stays
+    match: { merchants: [delta-stays] }
+    amount: 150
+    period: calendar_year
+    note: 'A new prepaid hotel or vacation rental booked on Delta Stays (delta.com/stays). Not resort, property or cancellation fees.'
 evidence:
   - rule: base_rate
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
@@ -110,9 +131,22 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
     quote: 'Foreign Transaction None Penalty Fees'
+  - rule: resy
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'can earn up to $10 in statement credits each month when the Basic Card'
+  - rule: rideshare
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'Enrolled Basic Card Members can earn up to $10 in statement credits per month each year'
+  - rule: rideshare
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'rideshare services: Uber, Lyft, Curb, and Alto'
+  - rule: delta-stays
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'can earn up to $150 in statement credits per calendar year when a Basic Card'
 todo:
   - The welcome offer's $300 statement credit (same $4,000 spend as the miles) isn't counted, since an offer is either miles or dollars.
   - The welcome offer ends 11/04/2026; re-check the card page for the next one.
   - MQD Boost ($1 Medallion Qualification Dollar per $20 of purchases each calendar year) can't be expressed, since it's a second per-dollar currency, not miles and not a one-time spend total.
   - Not tied to spending, so not modeled as milestones the $2,500 MQD Headstart each Medallion Qualification Year and the Companion Certificate each year after renewal.
-  - Not modeled (statement credits and perks, not miles per dollar) the $150 Delta Stays credit, the $120 rideshare credit and $120 Resy credit (enrollment required), 20% back on Delta in-flight food and drinks, and TakeOff 15 (15% off Delta award flights).
+  - Not modeled (statement credits and perks, not miles per dollar) 20% back on Delta in-flight food and drinks, and TakeOff 15 (15% off Delta award flights).
+  - '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.'