earnrate 0.2.11 → 0.2.13

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

@@ -1,5 +1,7 @@
 id: amex-delta-skymiles-reserve
 name: Delta SkyMiles Reserve American Express Card
+short_name: Delta SkyMiles Reserve
+color: '#2b2d33'
 issuer: amex
 network: amex
 currency: delta-skymiles
@@ -29,6 +31,25 @@ milestones:
     rewards:
       - Unlimited Delta Sky Club access
     note: Replaces the 15 yearly Visits for the Basic and Additional Reserve Card Members, for the rest of that calendar year, all of the next and through January 31 after it. Usually within a week of reaching the total, up to 12 weeks. Gift cards, prepaid cards and cash equivalents don't count.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: resy
+    match: { merchants: [resy] }
+    amount: 20
+    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: 200
+    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-reserve-american-express-card/25330-10-0#offer-terms
@@ -72,9 +93,22 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-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-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'can earn up to $20 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-reserve-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-reserve-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-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'can earn up to $200 in statement credits per calendar year when a Basic Card'
 todo:
   - The welcome offer's two Delta Comfort Flight Certificates aren't valued.
   - The welcome offer ends 11/04/2026; re-check the card page for the next one.
   - MQD Boost ($1 Medallion Qualification Dollar per $10 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 $200 Delta Stays credit, the $240 Resy credit and $120 rideshare credit (enrollment required), 15 Sky Club Visits and 4 guest passes a year, Centurion Lounge access, 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) 15 Sky Club Visits and 4 guest passes a year, Centurion Lounge access, 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-gold.yaml

@@ -1,5 +1,6 @@
 id: amex-gold
 name: American Express Gold Card
+color: '#d4af6a'
 issuer: amex
 network: amex
 currency: MR
@@ -58,6 +59,37 @@ rules:
     note: Prepaid Airbnb stays booked through Amex Travel. Add-on fees such as pet or pool fees don't count.
 # Not modeled on purpose: the Venue Collection benefit (10% back at select
 # stadiums and arenas, with enrollment) is a statement credit, not points.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: dunkin
+    match: { merchants: [dunkin] }
+    amount: 7
+    period: month
+    enroll: true
+    note: "At U.S. Dunkin' locations, bought directly: not through a delivery app or caterer, or at a Dunkin' inside an airport or gas station. Not gift cards."
+  - id: uber-cash
+    match: { merchants: [uber, uber-eats] }
+    amount: 10
+    period: month
+    note: 'Uber Cash, added to your Uber account each month once the card is in it. Only on U.S. rides and orders paid with an Amex card; not for a card added through Apple Pay or PayPal.'
+  - id: dining
+    match:
+      {
+        merchants:
+          [grubhub, buffalo-wild-wings, five-guys, cheesecake-factory, wonder],
+      }
+    amount: 10
+    period: month
+    enroll: true
+    note: 'U.S. orders from Grubhub (and Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory and Wonder.'
+  - id: resy
+    match: { merchants: [resy] }
+    amount: 50
+    period: half_year
+    enroll: true
+    note: 'U.S. restaurants that take Resy reservations, and purchases on Resy.com, in the Resy app or through Resy Pay.'
+todo:
+  - '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.'
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
@@ -117,3 +149,24 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0#offer-terms
     quote: 'Foreign Transaction None Penalty Fees'
+  - rule: dunkin
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0#offer-terms
+    quote: 'Enrolled Basic Card Members can earn up to $7 in statement credits per month'
+  - rule: dunkin
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0#offer-terms
+    quote: "Valid at Dunkin' locations in the U.S. that accept American Express® Cards."
+  - rule: dunkin
+    url: https://www.americanexpress.com/us/credit-cards/card/gold-card/
+    quote: "at U.S. Dunkin' locations. Enrollment required."
+  - rule: uber-cash
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0#offer-terms
+    quote: 'are eligible for $10 in Uber Cash each month'
+  - rule: dining
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0#offer-terms
+    quote: 'eligible for up to a $10 statement credit per month'
+  - rule: dining
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0#offer-terms
+    quote: 'Participating partners are Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder.'
+  - rule: resy
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0#offer-terms
+    quote: 'eligible for up to $50 in statement credits from January through June'

package/data/cards/amex-hilton-honors-aspire.yaml

@@ -1,5 +1,7 @@
 id: amex-hilton-honors-aspire
 name: Hilton Honors American Express Aspire Card
+short_name: Hilton Honors Aspire
+color: '#22283a'
 issuer: amex
 network: amex
 currency: hilton-honors
@@ -56,6 +58,18 @@ rules:
         ]
     rate: 7
     note: Bought directly from one of Amex's select major car rental companies, at U.S. or international locations. Not through a third party such as an online travel agency, and not as part of a vacation package.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: flight-credit
+    match: { categories: [travel.flights] }
+    amount: 50
+    period: quarter
+    note: 'Airfare bought directly from an airline or on amextravel.com. Not charter or private flights, or flights in a vacation package.'
+  - id: clear-plus
+    match: { merchants: [clear] }
+    amount: 219
+    period: calendar_year
+    note: 'An annual CLEAR+ membership.'
 evidence:
   - rule: base_rate
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
@@ -120,6 +134,15 @@ evidence:
   - rule: spend-60k
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
     quote: 'totaling $60,000 or more in cumulative purchases in that calendar year.'
+  - rule: flight-credit
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'up to a total of $50 in statement credits each calendar quarter'
+  - rule: flight-credit
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'Eligible purchases are airfare purchases for a scheduled flight on a passenger carrier'
+  - rule: clear-plus
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'earn up to $219 in statement credits per calendar year when their Hilton Honors American Express Aspire Card'
 milestones:
   - id: spend-30k
     spend: 30000
@@ -135,6 +158,7 @@ milestones:
     note: Another $30,000 on top of the first, $60,000 in the calendar year in all.
 todo:
   - The Annual Free Night Reward (one each year of Card Membership, no spending needed) isn't modeled.
-  - "Statement credits aren't modeled: the $400 Hilton Resort credit (up to $200 each half year at participating Hilton Resorts), the $200 flight credit (up to $50 each quarter), and the $219 CLEAR+ credit."
+  - The $400 Hilton Resort credit (up to $200 each half year) isn't modeled. It counts only at the participating Hilton Resorts Hilton lists, which earnrate can't tell apart from other Hilton properties.
   - The $100 property credit on two-night Waldorf Astoria and Conrad stays booked through the Aspire card site or phone line is an on-property credit, not modeled.
   - Complimentary Hilton Honors Diamond status and National Car Rental Emerald Club Executive status aren't modeled.
+  - '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-hilton-honors-business.yaml

@@ -0,0 +1,106 @@
+id: amex-hilton-honors-business
+name: Hilton Honors American Express Business Card
+short_name: Hilton Honors Business
+color: '#2b3340'
+issuer: amex
+network: amex
+currency: hilton-honors
+business: true
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/hilton-honors/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+base_rate: 3
+annual_fee: 195
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 150000
+  spend: 8000
+  months: 6
+  valid_to: 2027-01-13
+  note: 'Plus one Free Night Reward, which earnrate does not value. Amex: "You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card," and may also decline based on your history with balance transfers, as a Card Member, and the number of cards you have opened and closed. Offers may vary between advertisements.'
+rules:
+  - id: hilton-purchases
+    match: { merchants: [hilton] }
+    rate: 12
+    note: Lodging booked directly through a Hilton-operated reservation channel, and purchases at a Hilton hotel (its restaurants, spas and other on-site places) charged to the room and paid with the card at checkout. Not bookings through online travel sites or other third parties.
+  - id: everyday-purchases
+    match: { any: true }
+    exclude: { merchants: [hilton] }
+    rate: 5
+    cap: { amount: 100000, period: calendar_year, then_rate: 3 }
+    note: Every eligible purchase that isn't a Hilton purchase, on the first $100,000 a calendar year; 3x after that.
+milestones:
+  - id: spend-40k
+    spend: 40000
+    period: calendar_year
+    rewards:
+      - Hilton Honors Diamond status
+    note: Basic Card Member only, though Additional Card purchases count. Calendar year regardless of when the account opened. Diamond lasts through the end of the next calendar year.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: hilton
+    match: { merchants: [hilton] }
+    amount: 60
+    period: quarter
+    note: 'Bookings made directly with Hilton, and incidental charges put on the room, at any property in the Hilton portfolio. Not through a travel website.'
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'You will receive 3 Hilton Honors Bonus Points for each dollar of eligible purchases'
+  - rule: hilton-purchases
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/hilton-honors/
+    quote: 'per dollar for eligible purchases made directly with hotels and resorts within the Hilton portfolio.'
+  - rule: hilton-purchases
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'You will receive 9 additional Hilton Honors Bonus Points (for a total of 12)'
+  - rule: hilton-purchases
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'lodging bookings made directly through a reservation channel operated by Hilton'
+  - rule: hilton-purchases
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'such as an online travel website, will not be eligible for Points.'
+  - rule: everyday-purchases
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/hilton-honors/
+    quote: 'on the first $100K in eligible purchases per calendar year, 3X Points thereafter.'
+  - rule: everyday-purchases
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'You will receive 2 additional Hilton Honors Bonus Points (for a total of 5 points)'
+  - rule: everyday-purchases
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'Business Card that are not Hilton Purchases.'
+  - rule: spend-40k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'You may receive an upgrade to Hilton Honors Diamond status if the total eligible purchases'
+  - rule: spend-40k
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/hilton-honors/
+    quote: 'Spend $40,000 on eligible purchases on your Card in a calendar year'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/hilton-honors/
+    quote: 'Annual Fee: $195'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'Annual Fee $195 Transaction Fees'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/hilton-honors/
+    quote: 'Earn 150,000 Hilton Honors Bonus Points and a Free Night Reward'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'after you spend $8,000 (the "Threshold Amount") on eligible purchases on your Card in your first 6 months'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'Offer ends 01/13/2027 at 11:59 PM MST.'
+  - rule: hilton
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'up to a total of $60 in statement credits each calendar quarter'
+  - rule: hilton
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'eligible purchases charged directly with a property within the Hilton portfolio'
+todo:
+  - Complimentary Hilton Honors Gold status and National Car Rental Emerald Club Executive status (with enrollment) aren't modeled.
+  - The welcome offer's Free Night Reward isn't valued; a welcome offer holds only points.
+  - '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-hilton-honors-surpass.yaml

@@ -1,5 +1,7 @@
 id: amex-hilton-honors-surpass
 name: Hilton Honors American Express Surpass Card
+short_name: Hilton Honors Surpass
+color: '#9aa3ad'
 issuer: amex
 network: amex
 currency: hilton-honors
@@ -59,6 +61,13 @@ rules:
     channel: online
     geography: us_only
     note: U.S. merchants selling physical goods, paid on their own website or app. Not restaurants, supermarkets, gas, car dealers, travel, entertainment or services. Online marketplaces with multiple retailers and third-party payment accounts don't count, nor do orders paid in store, in-store mobile wallet, phone or mail orders, or buy-now-pay-later. Amex's rewards-info page names Amazon.com and Walmart.com as online retailers, but these terms also exclude online marketplaces with multiple retailers, so Amazon Marketplace sellers may not earn 4x.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: hilton
+    match: { merchants: [hilton] }
+    amount: 50
+    period: quarter
+    note: 'Bookings made directly with Hilton, and incidental charges put on the room, at any property in the Hilton portfolio. Not through a travel website.'
 evidence:
   - rule: base_rate
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
@@ -132,6 +141,12 @@ evidence:
   - rule: spend-40k
     url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors-surpass/
     quote: 'after you spend $40,000 in eligible purchases on your Card in a calendar year.'
+  - rule: hilton
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'up to a total of $50 in statement credits each calendar quarter'
+  - rule: hilton
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'eligible purchases charged directly with a property within the Hilton portfolio'
 milestones:
   - id: spend-15k
     spend: 15000
@@ -146,6 +161,6 @@ milestones:
       - Hilton Honors Diamond status
     note: Basic Card Member only, though Additional Card purchases count. Calendar year regardless of when the account opened. Diamond lasts through the end of the next calendar year.
 todo:
-  - The $200 Hilton credit (up to $50 in statement credits each calendar quarter on purchases made directly with a Hilton property) isn't modeled.
   - Complimentary Hilton Honors Gold status and National Car Rental Emerald Club Executive status (with enrollment) aren't modeled.
   - The welcome offer's Free Night Reward isn't valued; a welcome offer holds only points.
+  - '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-hilton-honors.yaml

@@ -1,5 +1,7 @@
 id: amex-hilton-honors
 name: Hilton Honors American Express Card
+short_name: Amex Hilton Honors
+color: '#6d8fb3'
 issuer: amex
 network: amex
 currency: hilton-honors

package/data/cards/amex-marriott-bonvoy-bevy.yaml

@@ -1,5 +1,7 @@
 id: amex-marriott-bonvoy-bevy
 name: Marriott Bonvoy Bevy American Express Card
+short_name: Marriott Bonvoy Bevy
+color: '#6e6259'
 issuer: amex
 network: amex
 currency: marriott-bonvoy

package/data/cards/amex-marriott-bonvoy-brilliant.yaml

@@ -1,5 +1,7 @@
 id: amex-marriott-bonvoy-brilliant
 name: Marriott Bonvoy Brilliant American Express Card
+short_name: Bonvoy Brilliant
+color: '#2a2a2e'
 issuer: amex
 network: amex
 currency: marriott-bonvoy
@@ -36,6 +38,13 @@ milestones:
     rewards:
       - 'Brilliant Earned Choice Award: pick five Nightly Upgrade Awards, a Free Night Award (up to 85,000 points) or 50,000 Bonvoy points'
     note: One a calendar year, picked at choice-benefit.marriott.com/brilliant by February 1 of the next year, or it defaults to the Nightly Upgrade Awards. Basic Card Member only.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: dining
+    match: { categories: [dining] }
+    amount: 25
+    period: month
+    note: 'Restaurants worldwide. Not bars, nightclubs, cafeterias, caterers, bakeries, gift cards or merchandise.'
 evidence:
   - rule: base_rate
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
@@ -85,7 +94,14 @@ evidence:
   - rule: welcome_offer
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
     quote: 'eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card within your first 6 months of Card Membership'
+  - rule: dining
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: 'can receive up to $25 in statement credits per month, for up to $300 back annually'
+  - rule: dining
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: 'for eligible purchases made at restaurants worldwide on the Card Account'
 todo:
   - The Brilliant Earned Choice Award can be 50,000 points, but it's a pick among non-point awards too, so the milestone carries no points value.
-  - The $300 Brilliant Dining Credit (up to $25 a month at restaurants worldwide), the $100 property credit on two-night Ritz-Carlton or St. Regis stays, and the yearly Free Night Award (up to 85,000 points) after each renewal month aren't modeled.
+  - The $100 property credit on two-night Ritz-Carlton or St. Regis stays, and the yearly Free Night Award (up to 85,000 points) after each renewal month aren't modeled.
   - Complimentary Platinum Elite status and 25 Elite Night Credits each year aren't modeled; they don't depend on spending.
+  - '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-marriott-bonvoy-business.yaml

@@ -0,0 +1,116 @@
+id: amex-marriott-bonvoy-business
+name: Marriott Bonvoy Business American Express Card
+short_name: Marriott Bonvoy Business
+color: '#3a3a3e'
+issuer: amex
+network: amex
+currency: marriott-bonvoy
+business: true
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/
+  - https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+base_rate: 2
+annual_fee: 125
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 100000
+  spend: 8000
+  months: 6
+  valid_to: 2026-11-04
+  note: 'Plus a Free Night Award (up to 50,000 points), which earnrate does not value. Amex: "You may not be eligible to receive a welcome offer if you have or have had this Card or the Starwood Preferred Guest® Business Credit Card from American Express or previous versions of these Cards," and may also decline based on your card history. Also not available to anyone who had a Marriott business card from Chase in the last 30 days, opened the Marriott Bonvoy Bountiful, Boundless or Bold card from Chase in the last 90 days, or got a new Card Member bonus on one of those Chase cards in the last 24 months.'
+rules:
+  - id: marriott-hotels
+    match: { merchants: [marriott] }
+    rate: 6
+    note: Charged directly with participating Marriott Bonvoy hotels, standalone Marriott retail stores and Marriott online stores (including Marriott gift cards online). Marriott's own member and elite points for stays aren't card earnings.
+  - id: restaurants
+    match: { categories: [dining] }
+    rate: 4
+    note: Charged directly at restaurants worldwide; a restaurant inside a hotel, casino or event venue may code as that place instead.
+  - id: us-gas
+    match: { categories: [gas] }
+    rate: 4
+    geography: us_only
+    note: Gasoline at U.S. gas stations.
+  - id: us-wireless
+    match: { categories: [phone] }
+    rate: 4
+    geography: us_only
+    note: Wireless phone service bought directly from a U.S. provider. Not Google Fi.
+  - id: us-shipping
+    match: { categories: [shipping] }
+    rate: 4
+    geography: us_only
+    note: Shipping bought from U.S. merchants.
+milestones:
+  - id: free-night-60k
+    spend: 60000
+    period: calendar_year
+    rewards:
+      - Marriott Bonvoy Free Night Award (up to 35,000 points)
+    note: Basic Card Member only, though Additional Card purchases count. Deposited 8-12 weeks after you reach $60,000; expires a year after it's issued.
+evidence:
+  - rule: base_rate
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'You will receive 2 Marriott Bonvoy® points for each U.S. dollar of eligible purchases'
+  - rule: marriott-hotels
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/
+    quote: 'Per dollar on eligible purchases at hotels participating in Marriott Bonvoy®.'
+  - rule: marriott-hotels
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'You will receive 4 additional points (for a total of 6 points)'
+  - rule: marriott-hotels
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'standalone Marriott branded retail establishments, and Marriott branded online stores'
+  - rule: restaurants
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/
+    quote: 'at restaurants worldwide, at U.S. gas stations, on wireless telephone services'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'You will receive 2 additional points (for a total of 4 points)'
+  - rule: restaurants
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'when charged directly at restaurants worldwide'
+  - rule: us-gas
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'on gasoline at U.S. gas stations'
+  - rule: us-wireless
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'on wireless telephone services purchased directly from U.S. service providers (excludes Google Fi)'
+  - rule: us-shipping
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'on purchases made from merchants in the U.S. for shipping'
+  - rule: us-shipping
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/
+    quote: 'purchased directly from U.S. service providers and on U.S. purchases for shipping.'
+  - rule: free-night-60k
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'total eligible purchases on the Marriott Bonvoy Business® American Express® Card reach $60,000'
+  - rule: free-night-60k
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/
+    quote: 'earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year.'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/
+    quote: 'Annual Fee: $125'
+  - rule: annual_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'Annual Fee $125 Transaction Fees'
+  - rule: foreign_transaction_fee
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'Foreign Transaction None Penalty Fees'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/
+    quote: 'Earn 100,000 Marriott Bonvoy® Bonus Points and 1 Free Night Award'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'after you spend $8,000 or more (the “Threshold Amount”) in eligible purchases'
+  - rule: welcome_offer
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
+    quote: 'Offer ends 11/4/2026 at 11:59 PM MST.'
+todo:
+  - The welcome offer ends 11/04/2026; re-check the card page for the next one.
+  - The welcome offer's Free Night Award isn't valued; a welcome offer holds only points.
+  - Not modeled (perks, not points per dollar) the yearly Free Night Award after each renewal, 15 Elite Night Credits a year, complimentary Gold Elite status and the 7% Amex Business Card Rate discount.
+  - The terms don't say whether gas at superstores or warehouse clubs counts as a U.S. gas station, so it isn't excluded.

package/data/cards/amex-platinum.yaml

@@ -1,5 +1,6 @@
 id: amex-platinum
 name: The Platinum Card from American Express
+color: '#c7c9cc'
 issuer: amex
 network: amex
 currency: MR
@@ -54,6 +55,74 @@ milestones:
       - Centurion Lounge guest access for 2 guests
       - unlimited Delta Sky Club access
     note: 'Purchases by additional card members count. Both last the rest of that calendar year, all of the next and through the January 31 after. Sky Club visits still need a same-day Delta flight.'
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: lululemon
+    match: { merchants: [lululemon] }
+    amount: 75
+    period: quarter
+    enroll: true
+    note: U.S. lululemon stores, lululemon.com and the lululemon app. Not outlets, lululemon Studio, Like New, warehouse or event sales, gift cards, or orders shipped outside the U.S.
+  - id: uber-cash
+    match: { merchants: [uber, uber-eats] }
+    amount: 15
+    period: month
+    note: 'Uber Cash, added to your Uber account each month once the card is in it, plus an extra $20 in December (modeled at $15). Only on U.S. rides and orders paid with an Amex card; not for a card added through Apple Pay or PayPal.'
+  - id: uber-one
+    match: { merchants: [uber-one] }
+    amount: 120
+    period: calendar_year
+    note: 'Uber One membership fees, monthly or annual, charged to the card with Uber Cash turned off for them. Not free trials.'
+  - id: resy
+    match: { merchants: [resy] }
+    amount: 100
+    period: quarter
+    enroll: true
+    note: 'U.S. restaurants that take Resy reservations, and purchases on Resy.com, in the Resy app or through Resy Pay. Not gift cards, delivery or catering.'
+  - id: digital-entertainment
+    match:
+      {
+        merchants:
+          [
+            disney-plus,
+            espn,
+            hulu,
+            new-york-times,
+            paramount-plus,
+            peacock,
+            wall-street-journal,
+            youtube-premium,
+            youtube-tv,
+          ],
+      }
+    amount: 25
+    period: month
+    enroll: true
+    note: "Bought directly from Disney+, ESPN streaming, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium or YouTube TV. Not through a cable bundle or another company's app store."
+  - id: equinox
+    match: { merchants: [equinox] }
+    amount: 300
+    period: calendar_year
+    enroll: true
+    note: 'U.S. Equinox club memberships or an Equinox+ subscription.'
+  - id: oura
+    match: { merchants: [oura] }
+    amount: 200
+    period: calendar_year
+    enroll: true
+    note: 'An Oura Ring bought at ouraring.com and shipped in the U.S. Not Oura memberships, chargers or other add-ons.'
+  - 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 or Plus Ups.'
+  - id: clear-plus
+    match: { merchants: [clear] }
+    amount: 219
+    period: calendar_year
+    note: 'An annual CLEAR+ membership.'
+todo:
+  - '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.'
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
@@ -104,3 +173,45 @@ evidence:
   - rule: spend-75k
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
     quote: 'the total eligible purchases on the Eligible Platinum Card Account must equal or exceed $75,000'
+  - rule: lululemon
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'Enrolled Basic Card Members can receive up to $75 in statement credits each quarter'
+  - rule: lululemon
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'Eligible purchases are purchases made directly with lululemon at lululemon stores in the U.S.'
+  - rule: lululemon
+    url: https://www.americanexpress.com/us/credit-cards/card/platinum/
+    quote: 'U.S. lululemon retail stores (excluding outlets) and lululemon.com. Enrollment required.'
+  - rule: uber-cash
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'eligible for $15 Uber Cash each month plus an additional $20 Uber Cash in December'
+  - rule: uber-one
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'eligible to receive up to $120 in statement credits per calendar year on Uber One membership fees'
+  - rule: resy
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'Enrolled Basic Card Members can earn up to $100 in statement credits each quarter'
+  - rule: digital-entertainment
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'Enrolled Basic Card Members can receive up to $25 in statement credits each month on eligible purchases'
+  - rule: digital-entertainment
+    url: https://www.americanexpress.com/us/credit-cards/card/platinum/
+    quote: 'Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock'
+  - rule: digital-entertainment
+    url: https://www.americanexpress.com/us/credit-cards/card/platinum/
+    quote: 'The Wall Street Journal, YouTube Premium, and YouTube TV.'
+  - rule: equinox
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'up to a total of $300 in statement credits each calendar year across all Cards on the Platinum Account'
+  - rule: oura
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'Enrolled Basic Card Members can receive up to $200 in statement credits each calendar year'
+  - rule: oura
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'Oura Ring purchases made online at U.S. website ouraring.com'
+  - rule: walmart-plus
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'statement credit for one Walmart+ monthly membership fee (up to $12.95 plus applicable taxes)'
+  - rule: clear-plus
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'earn up to $219 in statement credits per calendar year when their Platinum Card®'