earnrate 0.2.11 → 0.2.13

package/data/cards/apple-card.yaml

@@ -0,0 +1,76 @@
+id: apple-card
+name: Apple Card
+color: '#e4e4e2'
+# Issued by Goldman Sachs Bank USA, per apple.com on 2026-11-04. Chase is
+# taking over as issuer (announced January 2026, about 24 months); move
+# `issuer` and the sources when Apple's page names Chase.
+issuer: goldman-sachs
+network: mastercard
+currency: cash
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.apple.com/apple-card/
+base_rate: 1
+annual_fee: 0
+foreign_transaction_fee: 0
+rules:
+  - id: apple
+    match: { merchants: [apple-store, apple-tv, apple-music] }
+    rate: 3
+    note: Everything bought from Apple, paid with the card any way, in Apple Stores, on apple.com, in the App Store and for Apple services like Apple Music and Apple TV.
+  - id: apple-pay-merchants
+    match:
+      merchants:
+        [
+          ace-hardware,
+          chargepoint,
+          duane-reade,
+          exxon-mobil,
+          hertz,
+          nike,
+          uber,
+          uber-eats,
+          walgreens,
+        ]
+    rate: 3
+    geography: us_only
+    requires: { payment: apple-pay }
+    note: Where the store offers Apple Pay (not at Walgreens drive-thrus, for one), and only in the U.S. Ace Hardware at participating stores; Exxon and Mobil pumps and their attached convenience stores; Hertz rentals from U.S. corporate locations booked with Hertz. Gift cards and third-party sellers inside these stores don't count.
+  - id: apple-pay
+    match: { any: true }
+    rate: 2
+    requires: { payment: apple-pay }
+    note: Any purchase paid with Apple Card through Apple Pay, in stores, in apps and on websites. The titanium card or the card number earns 1%.
+todo:
+  - Booking.com earns 3% only on stays and rentals booked through Apple's own Booking.com link, prepaid with Apple Pay, so it isn't on the Apple Pay merchant list here.
+  - The rates and fees table is in Goldman Sachs's Customer Agreement, a PDF the source check can't read; the fees are quoted from apple.com instead.
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://www.apple.com/apple-card/
+    quote: 'When you use the card, you’ll get 1% Daily Cash back on every purchase.'
+  - rule: apple
+    url: https://www.apple.com/apple-card/
+    quote: 'Apple Card gives you unlimited 3% Daily Cash back on everything you buy at Apple'
+  - rule: apple-pay-merchants
+    url: https://www.apple.com/apple-card/
+    quote: '3% Daily Cash back when you use your Apple Card with Apple Pay at your favorites like Nike, Uber, Walgreens'
+  - rule: apple-pay-merchants
+    url: https://www.apple.com/apple-card/
+    quote: 'Nike: 3% Daily Cash is available on purchases made in the U.S. using Apple Card with Apple Pay'
+  - rule: apple-pay-merchants
+    url: https://www.apple.com/apple-card/
+    quote: 'Walgreens/Duane Reade: 3% Daily Cash is available in the United States when using Apple Card with Apple Pay'
+  - rule: apple-pay-merchants
+    url: https://www.apple.com/apple-card/
+    quote: 'ChargePoint: 3% Daily Cash is available when using Apple Card with Apple Pay'
+  - rule: apple-pay
+    url: https://www.apple.com/apple-card/
+    quote: 'with every purchase you make using your Apple Card with Apple Pay, you get 2% Daily Cash back'
+  - rule: annual_fee
+    url: https://www.apple.com/apple-card/
+    quote: 'No annual, over-the-limit, foreign-transaction, or late fees.'
+  - rule: foreign_transaction_fee
+    url: https://www.apple.com/apple-card/
+    quote: 'No annual, over-the-limit, foreign-transaction, or late fees.'

package/data/cards/bank-of-america-atmos-rewards-ascent.yaml

@@ -1,5 +1,6 @@
 id: bank-of-america-atmos-rewards-ascent
 name: Atmos Rewards Ascent Visa Signature Credit Card
+color: '#1b3a5c'
 issuer: bank-of-america
 network: visa
 currency: atmos-points

package/data/cards/bank-of-america-atmos-rewards-business.yaml

@@ -1,5 +1,7 @@
 id: bank-of-america-atmos-rewards-business
 name: Atmos Rewards Visa Signature Business Card
+short_name: Atmos Rewards Business
+color: '#2a4a6b'
 issuer: bank-of-america
 network: visa
 currency: atmos-points

package/data/cards/bank-of-america-atmos-rewards-summit.yaml

@@ -1,5 +1,6 @@
 id: bank-of-america-atmos-rewards-summit
 name: Atmos Rewards Summit Visa Infinite Credit Card
+color: '#1a1f2b'
 issuer: bank-of-america
 network: visa
 currency: atmos-points

package/data/cards/bank-of-america-customized-cash-rewards.yaml

@@ -1,5 +1,7 @@
 id: bank-of-america-customized-cash-rewards
 name: Bank of America Customized Cash Rewards Credit Card
+short_name: BofA Customized Cash
+color: '#c8102e'
 issuer: bank-of-america
 # Bank of America's terms carry only the Visa and Visa Signature trademark
 # notice, so the network is Visa.
@@ -124,6 +126,19 @@ rules:
     rate: 1.75
     requires: { membership: bofa-rewards-premier }
     note: 1% plus the 75% BofA Rewards Premier bonus.
+intro_rates:
+  # An extra 3% on the choice category, inside the same quarterly cap. It's
+  # added to each tier's rate as is: BofA Rewards pays no bonus on it.
+  - id: first-year-choice-bonus
+    days: 365
+    rules:
+      - three-percent
+      - three-percent-bofa-rewards-member
+      - three-percent-bofa-rewards-preferred-plus
+      - three-percent-bofa-rewards-preferred-honors
+      - three-percent-bofa-rewards-premier
+    add: 3
+    note: New accounts opened through this offer only, not converted accounts. Purchases must post within 365 days of opening, and count toward the same $2,500 quarterly cap; past it they earn 1%.
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
@@ -213,7 +228,25 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079537&productoffercode=8H&locale=en_US
     quote: 'Foreign Transaction 3% of the U.S. dollar amount of each transaction'
+  - rule: first-year-choice-bonus
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079537&productoffercode=8H&locale=en_US
+    quote: 'Earn an additional 3% cash rewards bonus'
+  - rule: first-year-choice-bonus
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079537&productoffercode=8H&locale=en_US
+    quote: 'post to your account within 365 days of the account open date'
+  - rule: first-year-choice-bonus
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079537&productoffercode=8H&locale=en_US
+    quote: 'This offer is subject to the $2,500 quarterly limit for Bonus Categories'
+  - rule: first-year-choice-bonus
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079537&productoffercode=8H&locale=en_US
+    quote: 'nor will you receive any BofA Rewards™ bonus on the additional cash rewards earned from this offer'
+  - rule: first-year-choice-bonus
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079537&productoffercode=8H&locale=en_US
+    quote: 'will not apply to requests to convert existing accounts'
+  - rule: first-year-choice-bonus
+    url: https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/
+    quote: 'After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back'
 todo:
-  - New accounts earn 6% in the choice category for the first year (an extra 3%, inside the same $2,500 quarterly cap, with no BofA Rewards bonus on the extra 3%). earnrate can't see when an account was opened, so this isn't modeled.
+  - Bank of America's first-year 3% counts Net Purchases that "post to your account within 365 days of the account open date". earnrate goes by the purchase date and counts the opening day as day 1, so a purchase on the last day or two may be ranked at 3% when it would still earn 6%, or at 6% when it posts too late.
   - 'The BofA Rewards rules use proposed membership ids: bofa-rewards-member, bofa-rewards-preferred-plus, bofa-rewards-preferred-honors and bofa-rewards-premier. Cardholders who joined Preferred Rewards before May 26, 2026 may have an "extended card benefit" that Bank of America doesn''t define.'
   - "Online shopping counts any online purchase earnrate can't place in an excluded category, including unknown merchants. Bank of America also excludes doctors, government, insurance, schools and other non-retail services, which earnrate can't tell apart."

package/data/cards/bank-of-america-premium-rewards.yaml

@@ -0,0 +1,134 @@
+id: bank-of-america-premium-rewards
+name: Bank of America Premium Rewards Credit Card
+short_name: BofA Premium Rewards
+color: '#3a3f47'
+issuer: bank-of-america
+# The page names the Visa Signature Luxury Hotel Collection and concierge as
+# card benefits, and the terms carry the Visa trademark notice.
+network: visa
+currency: bofa-premium-rewards
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/
+  - https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079485&productoffercode=UN&locale=en_US
+  - https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+base_rate: 1.5
+annual_fee: 95
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 60000
+  spend: 4000
+  months: 3
+  note: Online offer; the window is 90 days from account opening, modeled as 3 months. The offer may not be available elsewhere after leaving the page. The card may not be available to anyone who has or had it in the past 24 months.
+rules:
+  - id: travel-dining
+    match: { categories: [travel, transit, dining] }
+    rate: 2
+    note: Restaurants (fast food included) and bars; airlines, hotels and motels, timeshares, campgrounds, car and RV rentals, cruises, travel agencies and tour operators, trains, buses, taxis, limousines, ferries, parking, and tolls. Not in-flight or duty-free airport purchases, or purchases through third-party payment accounts, mobile card readers or unsupported digital wallets.
+  # BofA Rewards members earn a tier bonus on all points: 10% for Member,
+  # 25% Preferred Plus, 50% Preferred Honors, 75% Premier.
+  - id: travel-dining-bofa-rewards-member
+    match: { categories: [travel, transit, dining] }
+    rate: 2.2
+    requires: { membership: bofa-rewards-member }
+    note: 2x plus the 10% BofA Rewards Member bonus.
+  - id: everything-bofa-rewards-member
+    match: { any: true }
+    rate: 1.65
+    requires: { membership: bofa-rewards-member }
+    note: 1.5x plus the 10% BofA Rewards Member bonus.
+  - id: travel-dining-bofa-rewards-preferred-plus
+    match: { categories: [travel, transit, dining] }
+    rate: 2.5
+    requires: { membership: bofa-rewards-preferred-plus }
+    note: 2x plus the 25% BofA Rewards Preferred Plus bonus.
+  - id: everything-bofa-rewards-preferred-plus
+    match: { any: true }
+    rate: 1.875
+    requires: { membership: bofa-rewards-preferred-plus }
+    note: 1.5x plus the 25% BofA Rewards Preferred Plus bonus.
+  - id: travel-dining-bofa-rewards-preferred-honors
+    match: { categories: [travel, transit, dining] }
+    rate: 3
+    requires: { membership: bofa-rewards-preferred-honors }
+    note: 2x plus the 50% BofA Rewards Preferred Honors bonus.
+  - id: everything-bofa-rewards-preferred-honors
+    match: { any: true }
+    rate: 2.25
+    requires: { membership: bofa-rewards-preferred-honors }
+    note: 1.5x plus the 50% BofA Rewards Preferred Honors bonus.
+  - id: travel-dining-bofa-rewards-premier
+    match: { categories: [travel, transit, dining] }
+    rate: 3.5
+    requires: { membership: bofa-rewards-premier }
+    note: 2x plus the 75% BofA Rewards Premier bonus.
+  - id: everything-bofa-rewards-premier
+    match: { any: true }
+    rate: 2.625
+    requires: { membership: bofa-rewards-premier }
+    note: 1.5x plus the 75% BofA Rewards Premier bonus.
+# Not modeled: the $100 airline incidental and $100 TSA PreCheck or Global
+# Entry statement credits.
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079485&productoffercode=UN&locale=en_US
+    quote: 'Earn 1.5 base points for every $1 of Net Purchases (non-Travel and Dining)'
+  - rule: travel-dining
+    url: https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/
+    quote: 'Earn unlimited 2 points for every $1 spent on travel and dining purchases'
+  - rule: travel-dining
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079485&productoffercode=UN&locale=en_US
+    quote: 'Dining includes Restaurants, including Fast Food, and Drinking Establishments, such as Bars or Taverns.'
+  - rule: travel-dining
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079485&productoffercode=UN&locale=en_US
+    quote: 'operators of passenger trains, buses, taxis, limousines, ferries, boat rentals, parking lots and garages, tolls and bridge fees'
+  - rule: travel-dining
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079485&productoffercode=UN&locale=en_US
+    quote: 'like in-flight goods and services, and duty-free airport purchases'
+  - rule: travel-dining-bofa-rewards-member
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: 'bonus of 10% for the Member tier'
+  - rule: everything-bofa-rewards-member
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: 'bonus of 10% for the Member tier'
+  - rule: travel-dining-bofa-rewards-preferred-plus
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: '25% for the Preferred Plus tier'
+  - rule: everything-bofa-rewards-preferred-plus
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: '25% for the Preferred Plus tier'
+  - rule: travel-dining-bofa-rewards-preferred-honors
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: '50% for the Preferred Honors tier'
+  - rule: everything-bofa-rewards-preferred-honors
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: '50% for the Preferred Honors tier'
+  - rule: travel-dining-bofa-rewards-premier
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: 'or 75% for the Premier tier'
+  - rule: everything-bofa-rewards-premier
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: 'or 75% for the Premier tier'
+  - rule: travel-dining-bofa-rewards-member
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: 'a purchase that earns 100 base points will actually earn 110, 125, 150, or 175 points'
+  - rule: annual_fee
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079485&productoffercode=UN&locale=en_US
+    quote: 'Annual Fee $95'
+  - rule: welcome_offer
+    url: https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/
+    quote: 'after you make at least $4,000 in purchases in the first 90 days of account opening'
+  - rule: welcome_offer
+    url: https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/
+    quote: '60,000 online bonus points offer'
+  - rule: welcome_offer
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079485&productoffercode=UN&locale=en_US
+    quote: 'This card may not be available to you if you currently have or have had the card'
+  - rule: foreign_transaction_fee
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079485&productoffercode=UN&locale=en_US
+    quote: 'Foreign Transaction None'
+todo:
+  - 'The BofA Rewards rules use proposed membership ids: bofa-rewards-member, bofa-rewards-preferred-plus, bofa-rewards-preferred-honors and bofa-rewards-premier. Cardholders who joined Preferred Rewards before May 26, 2026 may have an "extended card benefit" that Bank of America doesn''t define.'
+  - 'Travel also covers tourist attractions and exhibits (art galleries, amusement parks, carnivals, circuses, aquariums, zoos), which have no earnrate category, so they earn 1.5x here.'

package/data/cards/bank-of-america-travel-rewards.yaml

@@ -0,0 +1,123 @@
+id: bank-of-america-travel-rewards
+name: Bank of America Travel Rewards Credit Card
+short_name: BofA Travel Rewards
+color: '#7a1f2b'
+issuer: bank-of-america
+# Bank of America's terms carry only the Visa and Visa Signature trademark
+# notice, so the network is Visa.
+network: visa
+currency: bofa-travel-rewards
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.bankofamerica.com/credit-cards/products/travel-rewards-credit-card/
+  - https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079333&productoffercode=75&locale=en_US
+  - https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+base_rate: 1.5
+annual_fee: 0
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 25000
+  spend: 1000
+  months: 3
+  note: Online offer; the window is 90 days from account opening, modeled as 3 months. The offer may not be available elsewhere after leaving the page. The card may not be available to anyone who has or had it in the past 24 months.
+rules:
+  - id: travel-center
+    match: { merchants: [bofa-travel-center] }
+    rate: 3
+    note: Purchases made through Bank of America's Travel Center, with no limit.
+  # BofA Rewards members earn a tier bonus on all points: 10% for Member,
+  # 25% Preferred Plus, 50% Preferred Honors, 75% Premier.
+  - id: travel-center-bofa-rewards-member
+    match: { merchants: [bofa-travel-center] }
+    rate: 3.3
+    requires: { membership: bofa-rewards-member }
+    note: 3x plus the 10% BofA Rewards Member bonus.
+  - id: everything-bofa-rewards-member
+    match: { any: true }
+    rate: 1.65
+    requires: { membership: bofa-rewards-member }
+    note: 1.5x plus the 10% BofA Rewards Member bonus.
+  - id: travel-center-bofa-rewards-preferred-plus
+    match: { merchants: [bofa-travel-center] }
+    rate: 3.75
+    requires: { membership: bofa-rewards-preferred-plus }
+    note: 3x plus the 25% BofA Rewards Preferred Plus bonus.
+  - id: everything-bofa-rewards-preferred-plus
+    match: { any: true }
+    rate: 1.875
+    requires: { membership: bofa-rewards-preferred-plus }
+    note: 1.5x plus the 25% BofA Rewards Preferred Plus bonus.
+  - id: travel-center-bofa-rewards-preferred-honors
+    match: { merchants: [bofa-travel-center] }
+    rate: 4.5
+    requires: { membership: bofa-rewards-preferred-honors }
+    note: 3x plus the 50% BofA Rewards Preferred Honors bonus.
+  - id: everything-bofa-rewards-preferred-honors
+    match: { any: true }
+    rate: 2.25
+    requires: { membership: bofa-rewards-preferred-honors }
+    note: 1.5x plus the 50% BofA Rewards Preferred Honors bonus.
+  - id: travel-center-bofa-rewards-premier
+    match: { merchants: [bofa-travel-center] }
+    rate: 5.25
+    requires: { membership: bofa-rewards-premier }
+    note: 3x plus the 75% BofA Rewards Premier bonus.
+  - id: everything-bofa-rewards-premier
+    match: { any: true }
+    rate: 2.625
+    requires: { membership: bofa-rewards-premier }
+    note: 1.5x plus the 75% BofA Rewards Premier bonus.
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://www.bankofamerica.com/credit-cards/products/travel-rewards-credit-card/
+    quote: 'Earn unlimited 1.5 points for every $1 you spend on everyday purchases'
+  - rule: travel-center
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079333&productoffercode=75&locale=en_US
+    quote: 'Earn 3 points (consisting of 1.5 bonus points and 1.5 base points)'
+  - rule: travel-center
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079333&productoffercode=75&locale=en_US
+    quote: 'for every $1 in Net Purchases, made through the Travel Center'
+  - rule: travel-center-bofa-rewards-member
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: 'bonus of 10% for the Member tier'
+  - rule: everything-bofa-rewards-member
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: 'bonus of 10% for the Member tier'
+  - rule: travel-center-bofa-rewards-preferred-plus
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: '25% for the Preferred Plus tier'
+  - rule: everything-bofa-rewards-preferred-plus
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: '25% for the Preferred Plus tier'
+  - rule: travel-center-bofa-rewards-preferred-honors
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: '50% for the Preferred Honors tier'
+  - rule: everything-bofa-rewards-preferred-honors
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: '50% for the Preferred Honors tier'
+  - rule: travel-center-bofa-rewards-premier
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: 'or 75% for the Premier tier'
+  - rule: everything-bofa-rewards-premier
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: 'or 75% for the Premier tier'
+  - rule: travel-center-bofa-rewards-member
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: 'a purchase that earns 100 base points will actually earn 110, 125, 150, or 175 points'
+  - rule: annual_fee
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079333&productoffercode=75&locale=en_US
+    quote: 'Annual Fee None'
+  - rule: welcome_offer
+    url: https://www.bankofamerica.com/credit-cards/products/travel-rewards-credit-card/
+    quote: '25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days'
+  - rule: welcome_offer
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079333&productoffercode=75&locale=en_US
+    quote: 'This card may not be available to you if you currently have or have had the card'
+  - rule: foreign_transaction_fee
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079333&productoffercode=75&locale=en_US
+    quote: 'Foreign Transaction None'
+todo:
+  - 'The BofA Rewards rules use proposed membership ids: bofa-rewards-member, bofa-rewards-preferred-plus, bofa-rewards-preferred-honors and bofa-rewards-premier. Cardholders who joined Preferred Rewards before May 26, 2026 may have an "extended card benefit" that Bank of America doesn''t define.'
+  - 'Bank of America says the BofA Rewards bonus doesn''t apply to "the bonus earn for certain programs" without naming them, so whether it applies to the Travel Center''s extra 1.5 points is unclear. The tier rules apply it to all 3 points, as Bank of America''s own BofA Rewards table does (3.3% to 5.25% on Travel Center purchases).'

package/data/cards/bank-of-america-unlimited-cash-rewards.yaml

@@ -0,0 +1,83 @@
+id: bank-of-america-unlimited-cash-rewards
+name: Bank of America Unlimited Cash Rewards Credit Card
+short_name: BofA Unlimited Cash
+color: '#9b1b30'
+issuer: bank-of-america
+# Bank of America's terms carry only the Visa and Visa Signature trademark
+# notice, so the network is Visa.
+network: visa
+currency: cash
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.bankofamerica.com/credit-cards/products/unlimited-cash-back-credit-card/
+  - https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4082058&productoffercode=6E&locale=en_US
+  - https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+base_rate: 1.5
+annual_fee: 0
+foreign_transaction_fee: 3
+welcome_offer:
+  dollars: 250
+  spend: 1000
+  months: 3
+  note: Online offer; the window is 90 days from account opening, modeled as 3 months. The offer may not be available elsewhere after leaving the page. The card may not be available to anyone who has or had it in the past 24 months.
+rules:
+  # BofA Rewards members earn a tier bonus on all cash back: 10% for Member,
+  # 25% Preferred Plus, 50% Preferred Honors, 75% Premier.
+  - id: everything-bofa-rewards-member
+    match: { any: true }
+    rate: 1.65
+    requires: { membership: bofa-rewards-member }
+    note: 1.5% plus the 10% BofA Rewards Member bonus.
+  - id: everything-bofa-rewards-preferred-plus
+    match: { any: true }
+    rate: 1.875
+    requires: { membership: bofa-rewards-preferred-plus }
+    note: 1.5% plus the 25% BofA Rewards Preferred Plus bonus.
+  - id: everything-bofa-rewards-preferred-honors
+    match: { any: true }
+    rate: 2.25
+    requires: { membership: bofa-rewards-preferred-honors }
+    note: 1.5% plus the 50% BofA Rewards Preferred Honors bonus.
+  - id: everything-bofa-rewards-premier
+    match: { any: true }
+    rate: 2.625
+    requires: { membership: bofa-rewards-premier }
+    note: 1.5% plus the 75% BofA Rewards Premier bonus.
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://www.bankofamerica.com/credit-cards/products/unlimited-cash-back-credit-card/
+    quote: 'Earn unlimited 1.5% cash back on all purchases'
+  - rule: base_rate
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4082058&productoffercode=6E&locale=en_US
+    quote: 'Earn 1.5% cash back (equal to $0.015 for every $1) on all Net Purchases'
+  - rule: everything-bofa-rewards-member
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: 'bonus of 10% for the Member tier'
+  - rule: everything-bofa-rewards-preferred-plus
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: '25% for the Preferred Plus tier'
+  - rule: everything-bofa-rewards-preferred-honors
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: '50% for the Preferred Honors tier'
+  - rule: everything-bofa-rewards-premier
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: 'or 75% for the Premier tier'
+  - rule: everything-bofa-rewards-member
+    url: https://www.bankofamerica.com/bofa-rewards/increasing-bofa-rewards-with-credit-cards/
+    quote: 'a $100 purchase that earns 3% ($3.00) will actually earn $3.30'
+  - rule: annual_fee
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4082058&productoffercode=6E&locale=en_US
+    quote: 'Annual Fee None'
+  - rule: welcome_offer
+    url: https://www.bankofamerica.com/credit-cards/products/unlimited-cash-back-credit-card/
+    quote: 'Online $250 cash rewards bonus after making at least $1,000 in purchases in the first 90 days'
+  - rule: welcome_offer
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4082058&productoffercode=6E&locale=en_US
+    quote: 'This card may not be available to you if you currently have or have had the card'
+  - rule: foreign_transaction_fee
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4082058&productoffercode=6E&locale=en_US
+    quote: 'Foreign Transaction 3% of the U.S. dollar amount of each transaction'
+todo:
+  - 'The BofA Rewards rules use proposed membership ids: bofa-rewards-member, bofa-rewards-preferred-plus, bofa-rewards-preferred-honors and bofa-rewards-premier. Cardholders who joined Preferred Rewards before May 26, 2026 may have an "extended card benefit" that Bank of America doesn''t define.'

package/data/cards/barclays-jetblue-plus.yaml

@@ -0,0 +1,86 @@
+id: barclays-jetblue-plus
+name: JetBlue Plus Card
+color: '#1e3a6b'
+issuer: barclays
+network: mastercard # World Elite Mastercard
+currency: trueblue-points
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://cards.barclaycardus.com/banking/cards/jetblue-plus-card/
+  # The card page's "Terms and Conditions" link (rates, fees and Reward Rules).
+  - https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255
+base_rate: 1
+annual_fee: 99
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 60000
+  spend: 1000
+  months: 3
+  note: 'Within 90 days of account opening, and the $99 annual fee must also be paid in full within those 90 days (paying only the minimum each month may not cover it). Not for current or previous JetBlue Plus cardmembers; Barclays may also decline for suspected abusive or gaming activity.'
+rules:
+  - id: jetblue
+    match: { merchants: [jetblue, jetblue-vacations, trueblue-travel] }
+    rate: 6
+    note: Billed by JetBlue or JetBlue Vacations as merchant of record through their own channels (jetblue.com, reservations, airport counters, jetbluevacations.com), and travel booked at truebluetravel.com. Not buying TrueBlue points, hotels or cars outside a JetBlue Vacations package, or TrueBlue Travel pay-later hotels, international car rentals, insurance and fees.
+  - id: restaurants
+    match: { categories: [dining] }
+    rate: 2
+    note: Restaurants, bars and fast food, by merchant category code. Paying with a mobile wallet, a third-party payment account or a merchant's mobile card reader may not earn the bonus.
+  - id: grocery
+    match: { categories: [grocery.supermarket] }
+    exclude: { categories: [superstore, warehouse_club] }
+    rate: 2
+    note: Grocery stores and supermarkets, by merchant category code. Warehouse-type stores like Target and Walmart generally don't count.
+evidence:
+  - rule: base_rate
+    url: https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255
+    quote: 'You earn 1 TrueBlue point for every $1 spent on all other Net Purchases'
+  - rule: base_rate
+    url: https://cards.barclaycardus.com/banking/cards/jetblue-plus-card/
+    quote: '1X points on all other purchases'
+  - rule: jetblue
+    url: https://cards.barclaycardus.com/banking/cards/jetblue-plus-card/
+    quote: '6X points on eligible JetBlue purchases'
+  - rule: jetblue
+    url: https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255
+    quote: 'made with your Card Account on TrueBlue Travel purchases.'
+  - rule: jetblue
+    url: https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255
+    quote: 'You earn 6 TrueBlue points for every $1 spent on eligible Net Purchases'
+  - rule: jetblue
+    url: https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255
+    quote: 'Purchasing TrueBlue points does not qualify as JetBlue Purchases.'
+  - rule: jetblue
+    url: https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255
+    quote: 'Eligible TrueBlue Travel purchases must be booked directly through truebluetravel.com.'
+  - rule: restaurants
+    url: https://cards.barclaycardus.com/banking/cards/jetblue-plus-card/
+    quote: '2X points at restaurants and eligible grocery stores'
+  - rule: restaurants
+    url: https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255
+    quote: 'Qualifying restaurant purchases are defined as: Restaurants, Bars and Fast-Food Restaurants.'
+  - rule: grocery
+    url: https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255
+    quote: 'Qualifying grocery store purchases are categorized as Grocery Stores and Supermarkets.'
+  - rule: grocery
+    url: https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255
+    quote: 'large warehouse-type stores, such as Target® and Walmart® are generally not classified as grocery stores'
+  - rule: annual_fee
+    url: https://cards.barclaycardus.com/banking/cards/jetblue-plus-card/
+    quote: 'Annual Fee is $99.'
+  - rule: annual_fee
+    url: https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255
+    quote: 'Annual Fee $99 Transaction Fees'
+  - rule: welcome_offer
+    url: https://cards.barclaycardus.com/banking/cards/jetblue-plus-card/
+    quote: 'after spending $1,000 on purchases and paying the annual fee in full, both within the first 90 days'
+  - rule: welcome_offer
+    url: https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255
+    quote: 'Earn 60,000 bonus TrueBlue points after spending $1,000 on purchases'
+  - rule: foreign_transaction_fee
+    url: https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48255
+    quote: 'Foreign Transaction 0% of each transaction in U.S. dollars.'
+todo:
+  - Not modeled (perks, not points per dollar) the 5,000-point anniversary bonus, 10% of points back on JetBlue Award Flights, 50% off inflight food and drink, the free first checked bag and the yearly $100 JetBlue Vacations statement credit.
+  - Card spending earns Mosaic tiles toward JetBlue elite status, which isn't modeled.

package/data/cards/bilt-blue.yaml

@@ -0,0 +1,60 @@
+id: bilt-blue
+name: Bilt Blue Card
+color: '#2f5fa0'
+# Issued by Column N.A. and serviced by Cardless; Bilt runs the rewards.
+# Full earning terms are in the Bilt Card Offer Terms PDF, which the source
+# checker can't read, so they're not in source_urls.
+issuer: column
+network: mastercard # World Elite Mastercard, per the card page's FAQ
+currency: BILT
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.bilt.com/card/blue
+  - https://www.bilt.com/card
+base_rate: 1
+annual_fee: 0
+foreign_transaction_fee: 0
+rules:
+  - id: bilt-travel-hotels
+    match: { merchants: [bilt-travel-hotels] }
+    rate: 3
+    note: 1X card earn plus 2 Bilt Travel Portal bonus points on hotels booked at biltrewards.com/travel.
+  - id: bilt-travel-flights
+    match: { merchants: [bilt-travel-flights] }
+    rate: 2
+    note: 1X card earn plus 1 Bilt Travel Portal bonus point on flights booked at biltrewards.com/travel.
+  - id: lyft
+    match: { merchants: [lyft] }
+    rate: 3
+    requires: { activation: true }
+    note: 1X card earn plus 2X Bilt bonus on eligible rides after linking Bilt and Lyft accounts in the Bilt app. Uncapped.
+todo:
+  - Rent and mortgage paid through Bilt earn 0.5X-1.25X depending on the cycle's everyday spend as a share of the housing payment (25%/50%/75%/100% give 0.5X/0.75X/1X/1.25X; below 25% a flat 250 points). earnrate has no housing category or spend-ratio rule.
+  - Bilt Neighborhood Dining restaurants add a per-restaurant bonus (up to 4X total). It varies by restaurant, so it isn't modeled.
+  - 'Welcome offer not modeled: the page offers $100 in Bilt Cash, a second currency (not BILT points or cash), with no spend required.'
+evidence:
+  - rule: base_rate
+    url: https://www.bilt.com/card/blue
+    quote: '2X on flights through Bilt Travel. 1X on everything else.'
+  - rule: bilt-travel-hotels
+    url: https://www.bilt.com/card/blue
+    quote: 'the Blue Card earns +2X on hotel bookings and +1X on flights'
+  - rule: bilt-travel-hotels
+    url: https://www.bilt.com/card/blue
+    quote: 'That means 3X total on hotels and 2X total on flights booked at biltrewards.com/travel'
+  - rule: bilt-travel-flights
+    url: https://www.bilt.com/card/blue
+    quote: 'That means 3X total on hotels and 2X total on flights booked at biltrewards.com/travel'
+  - rule: lyft
+    url: https://www.bilt.com/card/blue
+    quote: 'for 3X total Bilt Points per dollar on Lyft'
+  - rule: lyft
+    url: https://www.bilt.com/card/blue
+    quote: 'On Lyft, link your Bilt and Lyft accounts in the Bilt app.'
+  - rule: annual_fee
+    url: https://www.bilt.com/card/blue
+    quote: 'The Bilt Blue Card is a $0 annual fee World Elite Mastercard.'
+  - rule: foreign_transaction_fee
+    url: https://www.bilt.com/card/blue
+    quote: '$0 annual fee; no foreign transaction fees; no transaction fee on housing payments'