earnrate 0.2.11 → 0.2.13

package/data/cards/chase-united-quest.yaml

@@ -1,5 +1,6 @@
 id: chase-united-quest
 name: United Quest Card
+color: '#253a5c'
 issuer: chase
 network: visa
 currency: united-miles
@@ -80,6 +81,31 @@ milestones:
     note: 'For the primary cardmember, on tickets bought with the card. Chase says to allow 6-8 weeks for them to post; use them within 12 months.'
 todo:
   - United Card Events from Chase also earn 4x; no merchant exists for them, so they aren't modeled.
+  - "The issuer's terms don't say whether purchases a credit pays for earn rewards. Its credits are modeled as earning the card's rate on the whole purchase, with the credit on top."
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: instacart
+    match: { merchants: [instacart] }
+    amount: 15
+    period: month
+    enroll: true
+    note: "Instacart credits, which need an active Instacart+ membership: activate Chase's complimentary one with the card. Through December 31, 2027. Each credit applies to one order."
+  - id: rideshare
+    match: { categories: [transit.rideshare] }
+    amount: 8
+    period: month
+    enroll: true
+    note: 'Rideshare rides. Opt in each year. December allows $12 (modeled at $8).'
+  - id: jsx
+    match: { merchants: [jsx] }
+    amount: 150
+    period: cardmember_year
+    note: 'Flights booked directly with JSX.'
+  - id: renowned-hotels-credit
+    match: { merchants: [renowned-hotels-chase-travel] }
+    amount: 150
+    period: cardmember_year
+    note: 'Hotel stays prepaid through Renowned Hotels and Resorts for United cardmembers.'
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: annual_fee
@@ -139,3 +165,18 @@ evidence:
   - rule: spend-40k
     url: https://creditcards.chase.com/travel-credit-cards/united/united-quest
     quote: 'Earn 2 global Economy Plus® seat upgrades after spending $40,000 each calendar year.'
+  - rule: instacart
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-quest
+    quote: 'you can receive one $10 credit and one $5 credit in your Instacart account each month'
+  - rule: rideshare
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-quest
+    quote: 'up to $8 back as a statement credit each month from January through November'
+  - rule: rideshare
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-quest
+    quote: 'Yearly opt-in is required.'
+  - rule: jsx
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-quest
+    quote: 'Get up to $150 back as a statement credit each anniversary year when you book flights directly with JSX'
+  - rule: renowned-hotels-credit
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-quest
+    quote: 'Receive up to $150 back in statement credits each anniversary year on hotel accommodations'

package/data/cards/citi-aadvantage-business.yaml

@@ -1,5 +1,7 @@
 id: citi-aadvantage-business
 name: Citi / AAdvantage Business World Elite Mastercard
+short_name: AAdvantage Business
+color: '#3a4a5a'
 issuer: citi
 network: mastercard
 currency: aadvantage-miles

package/data/cards/citi-aadvantage-executive.yaml

@@ -1,5 +1,7 @@
 id: citi-aadvantage-executive
 name: Citi / AAdvantage Executive World Legend Mastercard
+short_name: AAdvantage Executive
+color: '#1e1e22'
 issuer: citi
 network: mastercard
 currency: aadvantage-miles
@@ -28,9 +30,22 @@ rules:
     match: { merchants: [american-airlines] }
     rate: 4
     note: Items billed by American Airlines as the merchant of record. Car rentals booked on aadvantagecars.com and hotels booked on aadvantagehotels.com don't count. Rises to 5x for the rest of the calendar year after $150,000 in total card spend that year.
-# Not modeled: Admirals Club membership, AA Vacations, Lyft, Avis/Budget and inflight credits, Loyalty Point bonuses.
+# Not modeled: Admirals Club membership, the Lyft credit (after 3 rides a month), inflight and inKind dining credits, Loyalty Point bonuses.
 todo:
   - 5x on American Airlines after $150,000 in calendar-year spend isn't modeled; the schema can't raise a rate after a spend threshold.
+  - "The issuer's terms don't say whether purchases a credit pays for earn rewards. Its credits are modeled as earning the card's rate on the whole purchase, with the credit on top."
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: aa-vacations
+    match: { merchants: [american-airlines-vacations] }
+    amount: 250
+    period: half_year
+    note: 'American Airlines Vacations packages or experiences: up to $250 from January through June and $250 from July through December.'
+  - id: avis-budget
+    match: { merchants: [avis, budget] }
+    amount: 120
+    period: calendar_year
+    note: 'Prepaid car rentals booked directly on avis.com or budget.com.'
 evidence:
   - rule: base_rate
     url: https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard
@@ -65,3 +80,15 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard
     quote: 'Fee for Foreign Purchases - None'
+  - rule: aa-vacations
+    url: https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard
+    quote: 'Earn up to $250 on purchases January through June and up to $250 July through December.'
+  - rule: aa-vacations
+    url: https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard
+    quote: 'eligible American Airlines Vacations℠ travel packages or experiences'
+  - rule: avis-budget
+    url: https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard
+    quote: 'Earn up to $120 in statement credits every calendar year'
+  - rule: avis-budget
+    url: https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard
+    quote: 'eligible prepaid car rentals are booked directly on avis.com or budget.com'

package/data/cards/citi-aadvantage-globe.yaml

@@ -1,5 +1,7 @@
 id: citi-aadvantage-globe
 name: Citi / AAdvantage Globe Mastercard
+short_name: AAdvantage Globe
+color: '#2c3e5a'
 issuer: citi
 network: mastercard
 currency: aadvantage-miles

package/data/cards/citi-aadvantage-mileup.yaml

@@ -1,5 +1,7 @@
 id: citi-aadvantage-mileup
 name: American Airlines AAdvantage MileUp Card
+short_name: AAdvantage MileUp
+color: '#8aa3bf'
 issuer: citi
 # The card page's ID Theft Protection terms have cardholders enroll "with your
 # Citibank Mastercard", and its footer carries the Mastercard trademark notice.

package/data/cards/citi-aadvantage-platinum-select.yaml

@@ -1,5 +1,7 @@
 id: citi-aadvantage-platinum-select
 name: Citi / AAdvantage Platinum Select World Elite Mastercard
+short_name: AAdvantage Platinum
+color: '#a7b0b8'
 issuer: citi
 network: mastercard
 currency: aadvantage-miles

package/data/cards/citi-costco-anywhere-visa-business.yaml

@@ -1,5 +1,7 @@
 id: citi-costco-anywhere-visa-business
 name: Costco Anywhere Visa Business Card by Citi
+short_name: Costco Visa Business
+color: '#3a3e44'
 issuer: citi
 network: visa
 currency: cash

package/data/cards/citi-costco-anywhere-visa.yaml

@@ -1,5 +1,7 @@
 id: citi-costco-anywhere-visa
 name: Costco Anywhere Visa Card by Citi
+short_name: Costco Anywhere Visa
+color: '#2f3338'
 issuer: citi
 network: visa
 currency: cash

package/data/cards/citi-custom-cash.yaml

@@ -1,5 +1,6 @@
 id: citi-custom-cash
 name: Citi Custom Cash Card
+color: '#3a7d8c'
 issuer: citi
 network: mastercard
 currency: cash

package/data/cards/citi-double-cash.yaml

@@ -1,5 +1,6 @@
 id: citi-double-cash
 name: Citi Double Cash Card
+color: '#6aa7a8'
 issuer: citi
 network: mastercard
 currency: cash

package/data/cards/citi-my-best-buy-visa.yaml

@@ -1,5 +1,6 @@
 id: citi-my-best-buy-visa
 name: My Best Buy Visa Card
+color: '#1d4fa0'
 issuer: citi
 network: visa
 currency: best-buy-rewards

package/data/cards/citi-strata-elite.yaml

@@ -1,5 +1,6 @@
 id: citi-strata-elite
 name: Citi Strata Elite Card
+color: '#2a2a2a'
 issuer: citi
 network: mastercard
 currency: TYP
@@ -38,9 +39,22 @@ rules:
     exclude: { merchants: [dodger-stadium, bellagio] }
     rate: 3
     note: 6x during Citi Nights (purchases authorized Friday 6 PM to Saturday 6 AM ET and Saturday 6 PM to Sunday 6 AM ET); earnrate can't see the time of a purchase, so this models the 3x rate. Includes cafes, bars, lounges, fast food, takeout and restaurant delivery services. Excludes bakeries, caterers and restaurants inside another business (hotels, stores, stadiums, grocery stores, warehouse clubs).
-# Not modeled: statement credits (hotel benefit, Splurge Credit, Blacklane, Global Entry/TSA PreCheck).
+# Not modeled: the Splurge Credit (brands you pick) and the Global Entry/TSA PreCheck credit.
 todo:
   - Citi Nights 6x at restaurants depends on the authorization time, which the schema can't express. Modeled at 3x.
+  - "The issuer's terms don't say whether purchases a credit pays for earn rewards. Its credits are modeled as earning the card's rate on the whole purchase, with the credit on top."
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: blacklane
+    match: { merchants: [blacklane] }
+    amount: 100
+    period: half_year
+    note: 'Blacklane chauffeur bookings: up to $100 from January through June and $100 from July through December.'
+  - id: hotel
+    match: { merchants: [citi-travel-hotels] }
+    amount: 300
+    period: calendar_year
+    note: 'Once a year, $300 off one hotel stay of 2 nights or more booked on cititravel.com, before taxes and fees. It applies to one stay, not split across several.'
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
@@ -82,3 +96,9 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.citi.com/credit-cards/citi-strata-elite-credit-card
     quote: 'Fee for foreign purchases - None'
+  - rule: blacklane
+    url: https://www.citi.com/credit-cards/citi-strata-elite-credit-card
+    quote: 'Earn up to $100 on Blacklane purchases January through June and up to $100 July through December.'
+  - rule: hotel
+    url: https://www.citi.com/credit-cards/citi-strata-elite-credit-card
+    quote: 'Once per calendar year, you can enjoy $300 off a single hotel stay of 2 nights or more'

package/data/cards/citi-strata-premier.yaml

@@ -1,5 +1,6 @@
 id: citi-strata-premier
 name: Citi Strata Premier Card
+color: '#3b4250'
 issuer: citi
 network: mastercard
 currency: TYP

package/data/cards/citi-strata.yaml

@@ -0,0 +1,164 @@
+id: citi-strata
+name: Citi Strata Card
+color: '#5c6b7a'
+issuer: citi
+# The card page's FAQ: "The Citi Strata Card is a Mastercard."
+network: mastercard
+currency: TYP
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.citi.com/credit-cards/citi-strata-credit-card
+  # The card page's "Important Pricing & Information" link (terms, fees and
+  # rewards definitions).
+  - https://online.citi.com/US/nga/cards/displayterms?app=UNSOL&HKOP=694a2bccaa4fab7c7710d9d9f1f36fbac5552a971559393761b722e87102c50f
+base_rate: 1
+annual_fee: 0
+foreign_transaction_fee: 3
+welcome_offer:
+  points: 20000
+  spend: 1000
+  months: 3
+  note: Not available if you currently have or previously had a Citi Strata or Citi Strata Student account; Citi may also decline the bonus based on your history of opening, closing and using credit cards. Offers may vary.
+choices:
+  # Select Streaming Services until changed; it can be changed once each
+  # calendar quarter.
+  - id: self-select
+    pick: 1
+    period: until_changed
+    default: [select-streaming]
+    options:
+      select-streaming:
+        merchants:
+          [
+            amazon-prime-video,
+            apple-music,
+            disney-plus,
+            directv-stream,
+            espn,
+            fandango-at-home,
+            fubotv,
+            max,
+            hulu,
+            mlb-tv,
+            nba-league-pass,
+            netflix,
+            pandora,
+            paramount-plus,
+            sling-tv,
+            spotify,
+            starz,
+            siriusxm,
+            tidal,
+            youtube-premium,
+            youtube-tv,
+          ]
+      fitness-clubs: [fitness]
+      live-entertainment: [entertainment]
+rules:
+  - id: citi-travel-hotels-cars-attractions
+    match:
+      {
+        merchants:
+          [
+            citi-travel-hotels,
+            citi-travel-car-rentals,
+            citi-travel-attractions,
+          ],
+      }
+    rate: 5
+    note: Booked on the Citi Travel site (cititravel.com or 1-833-737-1288). Only the part paid with the card earns, not the part paid with points.
+  - id: supermarkets
+    match: { categories: [grocery.supermarket] }
+    exclude:
+      { categories: [superstore, warehouse_club, convenience_store, drugstore] }
+    rate: 3
+    note: Excludes superstores, warehouse clubs, convenience stores, drugstores, specialty food stores, bakeries and meal kit delivery. Online supermarkets count only if the merchant uses the supermarket merchant code.
+  - id: gas-ev-charging-select-transit
+    match: { categories: [gas, ev_charging, transit, travel.car_rental] }
+    exclude: { categories: [gas.superstore] }
+    rate: 3
+    note: Gas stations and EV charging, plus car rentals, ferries, commuter and passenger railways, subways, taxis and car services, tolls, parking, bus lines and RV rentals. Gas at warehouse clubs, superstores, discount, department and convenience stores doesn't count; neither do bike or scooter rentals.
+  - id: self-select
+    match: { choice: self-select }
+    rate: 3
+    note: The Self-Select Category you chose (Select Streaming Services until you change it). Streaming bundled with another product, or billed through another platform, doesn't count. Live entertainment is tickets for concerts, live sports, theater and amusement parks, not movie theaters, museums or golf.
+  - id: restaurants
+    match: { categories: [dining] }
+    exclude: { merchants: [dodger-stadium, bellagio] }
+    rate: 2
+    note: Includes cafes, bars, lounges, fast food, takeout and restaurant delivery services. Excludes bakeries, caterers and restaurants inside another business (hotels, stores, stadiums, grocery stores, warehouse clubs).
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://www.citi.com/credit-cards/citi-strata-credit-card
+    quote: '1 point per dollar spent on All Other Purchases'
+  - rule: citi-travel-hotels-cars-attractions
+    url: https://www.citi.com/credit-cards/citi-strata-credit-card
+    quote: '5 points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com'
+  - rule: citi-travel-hotels-cars-attractions
+    url: https://online.citi.com/US/nga/cards/displayterms?app=UNSOL&HKOP=694a2bccaa4fab7c7710d9d9f1f36fbac5552a971559393761b722e87102c50f
+    quote: 'only the portion paid with your card will earn points'
+  - rule: supermarkets
+    url: https://www.citi.com/credit-cards/citi-strata-credit-card
+    quote: '3 points per dollar spent at Supermarkets'
+  - rule: supermarkets
+    url: https://online.citi.com/US/nga/cards/displayterms?app=UNSOL&HKOP=694a2bccaa4fab7c7710d9d9f1f36fbac5552a971559393761b722e87102c50f
+    quote: 'Excludes purchases at general merchandise/discount superstores'
+  - rule: supermarkets
+    url: https://online.citi.com/US/nga/cards/displayterms?app=UNSOL&HKOP=694a2bccaa4fab7c7710d9d9f1f36fbac5552a971559393761b722e87102c50f
+    quote: 'drugstores, warehouse clubs, wholesale clubs, specialty vendors, bakeries'
+  - rule: gas-ev-charging-select-transit
+    url: https://www.citi.com/credit-cards/citi-strata-credit-card
+    quote: '3 points per dollar spent at Gas & EV Charging Stations and on Select Transit.'
+  - rule: gas-ev-charging-select-transit
+    url: https://online.citi.com/US/nga/cards/displayterms?app=UNSOL&HKOP=694a2bccaa4fab7c7710d9d9f1f36fbac5552a971559393761b722e87102c50f
+    quote: 'Select transit includes car rentals, ferries, commuter railways, subways, taxis/limousines/car services'
+  - rule: gas-ev-charging-select-transit
+    url: https://online.citi.com/US/nga/cards/displayterms?app=UNSOL&HKOP=694a2bccaa4fab7c7710d9d9f1f36fbac5552a971559393761b722e87102c50f
+    quote: 'bridge and road tolls, parking lots/garages, bus lines, and motor home and recreational vehicle rentals'
+  - rule: gas-ev-charging-select-transit
+    url: https://online.citi.com/US/nga/cards/displayterms?app=UNSOL&HKOP=694a2bccaa4fab7c7710d9d9f1f36fbac5552a971559393761b722e87102c50f
+    quote: 'Gas stations exclude gas purchases at warehouse clubs, wholesale stores, superstores, discount stores'
+  - rule: self-select
+    url: https://www.citi.com/credit-cards/citi-strata-credit-card
+    quote: '3 points per dollar spent on an eligible Self-Select Category of your choice'
+  - rule: self-select
+    url: https://online.citi.com/US/nga/cards/displayterms?app=UNSOL&HKOP=694a2bccaa4fab7c7710d9d9f1f36fbac5552a971559393761b722e87102c50f
+    quote: 'the default Self-Select Category is Select Streaming Services'
+  - rule: self-select
+    url: https://online.citi.com/US/nga/cards/displayterms?app=UNSOL&HKOP=694a2bccaa4fab7c7710d9d9f1f36fbac5552a971559393761b722e87102c50f
+    quote: 'You may change your Self-Select Category once each calendar quarter'
+  - rule: self-select
+    url: https://online.citi.com/US/nga/cards/displayterms?app=UNSOL&HKOP=694a2bccaa4fab7c7710d9d9f1f36fbac5552a971559393761b722e87102c50f
+    quote: 'Includes the following streaming providers: Amazon Prime Video, Apple Music, Disney+'
+  - rule: self-select
+    url: https://online.citi.com/US/nga/cards/displayterms?app=UNSOL&HKOP=694a2bccaa4fab7c7710d9d9f1f36fbac5552a971559393761b722e87102c50f
+    quote: 'including concerts, live sporting events, live theatrical productions, amusement parks, and orchestras'
+  - rule: self-select
+    url: https://online.citi.com/US/nga/cards/displayterms?app=UNSOL&HKOP=694a2bccaa4fab7c7710d9d9f1f36fbac5552a971559393761b722e87102c50f
+    quote: 'athletic, sports and recreation facilities requiring membership such as health, tennis, and swimming clubs'
+  - rule: restaurants
+    url: https://www.citi.com/credit-cards/citi-strata-credit-card
+    quote: '2 points per dollar spent at Restaurants'
+  - rule: restaurants
+    url: https://online.citi.com/US/nga/cards/displayterms?app=UNSOL&HKOP=694a2bccaa4fab7c7710d9d9f1f36fbac5552a971559393761b722e87102c50f
+    quote: 'Excludes purchases at bakeries, caterers, and restaurants located inside another business'
+  - rule: annual_fee
+    url: https://online.citi.com/US/nga/cards/displayterms?app=UNSOL&HKOP=694a2bccaa4fab7c7710d9d9f1f36fbac5552a971559393761b722e87102c50f
+    quote: 'Annual Fee None'
+  - rule: welcome_offer
+    url: https://www.citi.com/credit-cards/citi-strata-credit-card
+    quote: 'after spending $1,000 in the first 3 months'
+  - rule: welcome_offer
+    url: https://www.citi.com/credit-cards/citi-strata-credit-card
+    quote: 'Earn 20,000 bonus points'
+  - rule: welcome_offer
+    url: https://www.citi.com/credit-cards/citi-strata-credit-card
+    quote: 'if you currently have or previously had a Citi Strata® or a Citi Strata Student account'
+  - rule: foreign_transaction_fee
+    url: https://online.citi.com/US/nga/cards/displayterms?app=UNSOL&HKOP=694a2bccaa4fab7c7710d9d9f1f36fbac5552a971559393761b722e87102c50f
+    quote: 'Foreign Purchase Transaction 3% of each purchase transaction in U.S. dollars.'
+todo:
+  - "The Self-Select Category can also be Cosmetic Stores/Barber Shops/Hair Salons or Pet Supply Stores, which have no earnrate category, so those two options aren't offered."
+  - "The terms link carries a session-like token (HKOP); if Citi rotates it, take the new one from the card page's Important Pricing & Information link."

package/data/cards/discover-it-cash-back.yaml

@@ -1,5 +1,6 @@
 id: discover-it-cash-back
 name: Discover it Cash Back Credit Card
+color: '#e8751a'
 # Discover merged into Capital One, N.A.; the application terms are headed
 # "Discover by Capital One" and served from disclosures.capitalone.com.
 issuer: discover
@@ -26,7 +27,7 @@ welcome_offer:
   dollars: 200
   spend: 500
   months: 3
-  note: One-time $200 statement credit, available by applying through the card page. Existing or previous cardmembers may not be eligible if they received a new cardmember bonus for this product in the past 48 months. New cardmembers also get Cashback Match (all cash back earned in the first year matched), which isn't counted here.
+  note: One-time $200 statement credit, available by applying through the card page. Existing or previous cardmembers may not be eligible if they received a new cardmember bonus for this product in the past 48 months. New cardmembers also get Cashback Match, which is ranked as a first-year rate (intro_rates) rather than counted here.
 caps:
   # Discover's quarterly maximum on the rotating 5% categories.
   - id: five-percent-quarterly
@@ -84,11 +85,17 @@ rules:
     valid_to: 2026-12-31
     activate_by: 2026-12-31
     note: Residential electricity, natural gas and water, plus internet, cable, satellite TV and mobile and landline phone service paid by phone or online. Paying for those at a physical store, through a landlord, property manager or HOA, home fuel delivery and standalone streaming services may not qualify. Earns 5% only from the day you activate.
+intro_rates:
+  # Discover matches the cash back a new cardmember earns, paid after the
+  # match period, so every rate counts double for those 365 days.
+  - id: cashback-match
+    days: 365
+    multiply: 2
+    note: Cashback Match, for new cardmembers. Discover matches all the cash back earned from the day the account is approved through the first 365 days, with no limit, and adds it within two billing periods after; cash back processed after the match period isn't matched.
 todo:
   - 'Discover has published only 2026 on its 5% calendar (Oct-Dec 2026 is the last quarter shown). Add 2027 quarters when Discover posts them.'
   - Discover's 5% activation isn't retroactive (5% applies "from 10/1/26 (or the date on which you activate 5%, whichever is later)"), and you can activate until the quarter's last day. The schema's activate_by can't say that purchases before activation earn 1%; it's set to the quarter's last day and the rule notes say so.
-  - Cashback Match (Discover matches all cash back a new cardmember earns in the first year, no limit) can't be expressed as a fixed welcome offer; it roughly doubles first-year earnings on every rule. Not modeled.
-  - The card page's Cashback Match terms say "through your first 365 days"; the Cashback Bonus page says "your first 12 consecutive billing periods or 365 days, whichever is longer". Which one current applicants get is unclear; it doesn't change any rate here.
+  - The card page's and application terms' Cashback Match terms say "through your first 365 days"; the Cashback Bonus page says "your first 12 consecutive billing periods or 365 days, whichever is longer". Modeled as 365 days, the shorter. Cash back is matched only when processed within the period, so a purchase in its last days may post too late; earnrate goes by the purchase date.
   - Foreign transaction fee isn't stated on any Discover page or in the application terms (their fee table has no foreign transaction row). Left null; confirm with the Cardmember Agreement or Capital One.
   - Discover says 5% purchases "must be made with merchants in the U.S." The application terms put that sentence in the general earning paragraph, so it may also apply to the 1% base and Capital One Travel; only the rotating rules are marked us_only.
   - Amusement parks, tourist attractions, aquariums, zoos, record stores, video rental, pool halls and bowling alleys earn 5% as Q4 2026 entertainment but have no earnrate category. Golf courses, country clubs and collegiate sporting events are excluded but can't be told apart from the entertainment category.
@@ -167,3 +174,15 @@ evidence:
   - rule: welcome_offer
     url: https://www.discover.com/credit-cards/cash-back/it-card/
     quote: 'Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year'
+  - rule: cashback-match
+    url: https://www.discover.com/credit-cards/cash-back/it-card/
+    quote: 'Get an unlimited dollar-for-dollar match of all the cash back you earn'
+  - rule: cashback-match
+    url: https://www.discover.com/credit-cards/cash-back/it-card/
+    quote: 'There is no limit to how much we’ll match.'
+  - rule: cashback-match
+    url: https://disclosures.capitalone.com/disclosure.42300.en-US.html
+    quote: 'from the day your new account is approved through your first 365 days'
+  - rule: cashback-match
+    url: https://disclosures.capitalone.com/disclosure.42300.en-US.html
+    quote: 'We will not match: rewards that are processed after your match period ends'

package/data/cards/fidelity-rewards-visa-signature.yaml

@@ -0,0 +1,60 @@
+id: fidelity-rewards-visa-signature
+name: Fidelity Rewards Visa Signature Card
+short_name: Fidelity Rewards Visa
+color: '#2e7d32'
+# Issued by Elan Financial Services; Fidelity only markets it. Rewards are
+# Reward Points, and 2 points per $1 are worth 2% only when deposited into an
+# eligible Fidelity account (brokerage, Cash Management, IRA, HSA, 529,
+# Charitable). Other redemptions are worth less, at rates Elan doesn't publish.
+issuer: elan
+network: visa
+currency: cash
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.fidelity.com/spend-save/visa-signature-card
+  - https://www.fidelity.com/spend-save/faqs-rewards-credit-cards
+  # Elan's rates-and-fees and rewards summary, linked from the card page's
+  # "Terms and Conditions". The query string is that link's offer; Elan may
+  # change it.
+  - https://online1.elancard.com/pdap/terms?locationCode=24193&offerId=5W8QWVRP5M&sourceCode=88155&st=y
+# Units are cents per dollar when the points go into a Fidelity account: 2
+# points per $1, each converted to its "equivalent dollar amount" (1¢).
+base_rate: 2
+annual_fee: 0
+foreign_transaction_fee: 0
+todo:
+  - "The 2% needs an open, funded Fidelity account to deposit into (opening one is free, and the card itself doesn't need one). Redeemed for travel, merchandise, gift cards or a statement credit, points are worth less, at values no readable Elan or Fidelity page states, so `cash` at 2% assumes the Fidelity deposit."
+  - "Up to $100 in Reward Points back for a Global Entry or TSA PreCheck application fee paid with the card isn't modeled (a fee credit, not a welcome offer)."
+  - "The full Rewards Program Rules come only with the card (online through the Rewards tab once you log in), so no readable page lists more exclusions than the summary in Elan's terms."
+evidence:
+  - rule: base_rate
+    url: https://www.fidelity.com/spend-save/visa-signature-card
+    quote: 'Earn unlimited 2% cash back 1 when deposited into an eligible, Fidelity account'
+  - rule: base_rate
+    url: https://www.fidelity.com/spend-save/faqs-rewards-credit-cards
+    quote: 'You earn 2 Points for every $1 that you spend on eligible net purchases'
+  - rule: base_rate
+    url: https://www.fidelity.com/spend-save/faqs-rewards-credit-cards
+    quote: 'The 2% cash back value applies only to Points redeemed for a deposit into an eligible Fidelity account.'
+  - rule: base_rate
+    url: https://www.fidelity.com/spend-save/faqs-rewards-credit-cards
+    quote: 'your Points will automatically be converted to the equivalent dollar amount'
+  - rule: base_rate
+    url: https://online1.elancard.com/pdap/terms?locationCode=24193&offerId=5W8QWVRP5M&sourceCode=88155&st=y
+    quote: 'you will receive 2 Reward Points'
+  - rule: base_rate
+    url: https://online1.elancard.com/pdap/terms?locationCode=24193&offerId=5W8QWVRP5M&sourceCode=88155&st=y
+    quote: 'The number of Points that may accumulate in any monthly billing cycle is unlimited.'
+  - rule: annual_fee
+    url: https://www.fidelity.com/spend-save/visa-signature-card
+    quote: 'No annual fee, foreign transaction fee , caps, limits, or expirations'
+  - rule: annual_fee
+    url: https://online1.elancard.com/pdap/terms?locationCode=24193&offerId=5W8QWVRP5M&sourceCode=88155&st=y
+    quote: 'Annual Fee Annual Membership Fee None'
+  - rule: foreign_transaction_fee
+    url: https://online1.elancard.com/pdap/terms?locationCode=24193&offerId=5W8QWVRP5M&sourceCode=88155&st=y
+    quote: 'Foreign Transaction None Penalty Fees'
+  - rule: foreign_transaction_fee
+    url: https://www.fidelity.com/spend-save/visa-signature-card
+    quote: 'Plus no foreign transaction fees.'

package/data/cards/navy-federal-cash-rewards-plus.yaml

@@ -0,0 +1,61 @@
+id: navy-federal-cash-rewards-plus
+name: Navy Federal cashRewards Plus Credit Card
+short_name: NFCU cashRewards Plus
+color: '#1b3a6b'
+# Navy Federal takes one cashRewards application and issues this card when
+# the approved credit limit is $5,000 or more, or the cashRewards
+# (navy-federal-cash-rewards) under $5,000.
+issuer: navy-federal
+# Issued as a Visa Signature or a World Mastercard; the earn rate is the
+# same on both.
+network: visa
+currency: cash
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+  - https://www.navyfederal.org/loans-cards/credit-cards/faqs.html
+  - https://www.navyfederal.org/membership/eligibility.html
+base_rate: 2
+annual_fee: 0
+foreign_transaction_fee: 0
+welcome_offer:
+  dollars: 250
+  spend: 2500
+  months: 3
+  valid_to: 2027-01-03
+  note: The page says within 90 days of account opening, modeled as 3 months. For accounts applied for from 07/01/2026 through 01/03/2027; one promotional offer per account opening.
+requires_membership: navy-federal # eligibility-based, no yearly fee
+evidence:
+  - rule: base_rate
+    url: https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+    quote: 'Unlimited 2% cash back on all purchases with cashRewards Plus'
+  - rule: base_rate
+    url: https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+    quote: 'a cashRewards Plus card with 2% cash back if it’s $5,000 or more'
+  - rule: annual_fee
+    url: https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+    quote: 'No annual fee'
+  - rule: foreign_transaction_fee
+    url: https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+    quote: 'No balance transfer fees No foreign transaction fees'
+  - rule: foreign_transaction_fee
+    url: https://www.navyfederal.org/loans-cards/credit-cards/faqs.html
+    quote: 'We don’t charge foreign transaction fees on any of our credit cards'
+  - rule: welcome_offer
+    url: https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+    quote: 'You can earn $250 bonus cash when you spend $2,500 within 90 days of account opening.'
+  - rule: welcome_offer
+    url: https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+    quote: 'Offer valid for accounts applied for between 07/01/2026 and 01/03/2027.'
+  - rule: requires_membership
+    url: https://www.navyfederal.org/loans-cards/credit-cards/faqs.html
+    quote: 'To apply for a Navy Federal credit card, you’ll need to be a Navy Federal member.'
+  - rule: requires_membership
+    url: https://www.navyfederal.org/membership/eligibility.html
+    quote: 'A Membership Savings Account with a $5 minimum balance is required to establish and maintain membership.'
+todo:
+  - 'Membership is by eligibility, not a yearly fee: the armed forces, veterans, DoD civilians and contractors, and their families and household members, with a $5 minimum balance in a Membership Savings Account.'
+  - "Which card an applicant gets depends on the credit limit Navy Federal approves ($5,000 or more: this card at 2%; under $5,000: cashRewards at 1.5%). earnrate can't tell which one an applicant will get; the welcome offer is the same on both."
+  - 'The card is issued as a Visa Signature or a World Mastercard; network is set to visa. Acceptance and network benefits differ, not the earn rate.'
+  - 'The rates and fees table and the rewards terms are PDFs, read 2026-11-04 (navyfederal.org/content/dam/nfculibs/pdfs/credit-debit-cards/nfcu_573cash.pdf, "Annual Fees" and "Foreign Transaction" rows, and nfcu_829.pdf, the "cashRewards Card Product Earn Rate" table). Re-check them by hand when the source check flags this card.'

package/data/cards/navy-federal-cash-rewards.yaml

@@ -0,0 +1,60 @@
+id: navy-federal-cash-rewards
+name: Navy Federal cashRewards Credit Card
+short_name: NFCU cashRewards
+color: '#1b3a6b'
+# Navy Federal takes one cashRewards application and issues this card when
+# the approved credit limit is under $5,000, or the cashRewards Plus
+# (navy-federal-cash-rewards-plus) at $5,000 or more.
+issuer: navy-federal
+# Issued as a Visa or a Mastercard; the earn rate is the same on both.
+network: visa
+currency: cash
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+  - https://www.navyfederal.org/loans-cards/credit-cards/faqs.html
+  - https://www.navyfederal.org/membership/eligibility.html
+base_rate: 1.5
+annual_fee: 0
+foreign_transaction_fee: 0
+welcome_offer:
+  dollars: 250
+  spend: 2500
+  months: 3
+  valid_to: 2027-01-03
+  note: The page says within 90 days of account opening, modeled as 3 months. For accounts applied for from 07/01/2026 through 01/03/2027; one promotional offer per account opening.
+requires_membership: navy-federal # eligibility-based, no yearly fee
+evidence:
+  - rule: base_rate
+    url: https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+    quote: 'Unlimited 1.5% cash back on all purchases with cashRewards'
+  - rule: base_rate
+    url: https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+    quote: 'You’ll get a cashRewards card with 1.5% cash back if your credit limit is under $5,000'
+  - rule: annual_fee
+    url: https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+    quote: 'No annual fee'
+  - rule: foreign_transaction_fee
+    url: https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+    quote: 'No balance transfer fees No foreign transaction fees'
+  - rule: foreign_transaction_fee
+    url: https://www.navyfederal.org/loans-cards/credit-cards/faqs.html
+    quote: 'We don’t charge foreign transaction fees on any of our credit cards'
+  - rule: welcome_offer
+    url: https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+    quote: 'You can earn $250 bonus cash when you spend $2,500 within 90 days of account opening.'
+  - rule: welcome_offer
+    url: https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+    quote: 'Offer valid for accounts applied for between 07/01/2026 and 01/03/2027.'
+  - rule: requires_membership
+    url: https://www.navyfederal.org/loans-cards/credit-cards/faqs.html
+    quote: 'To apply for a Navy Federal credit card, you’ll need to be a Navy Federal member.'
+  - rule: requires_membership
+    url: https://www.navyfederal.org/membership/eligibility.html
+    quote: 'A Membership Savings Account with a $5 minimum balance is required to establish and maintain membership.'
+todo:
+  - 'Membership is by eligibility, not a yearly fee: the armed forces, veterans, DoD civilians and contractors, and their families and household members, with a $5 minimum balance in a Membership Savings Account.'
+  - "Which card an applicant gets depends on the credit limit Navy Federal approves (under $5,000: this card at 1.5%; $5,000 or more: cashRewards Plus at 2%). earnrate can't tell which one an applicant will get; the welcome offer is the same on both."
+  - 'The card is issued as a Visa or a Mastercard; network is set to visa. Acceptance and network benefits differ, not the earn rate.'
+  - 'The rates and fees table and the rewards terms are PDFs, read 2026-11-04 (navyfederal.org/content/dam/nfculibs/pdfs/credit-debit-cards/nfcu_573cash.pdf, "Annual Fees" and "Foreign Transaction" rows, and nfcu_829.pdf, the "cashRewards Card Product Earn Rate" table). Re-check them by hand when the source check flags this card.'