earnrate 0.2.11 → 0.2.13

package/data/cards/navy-federal-more-rewards-amex.yaml

@@ -0,0 +1,92 @@
+id: navy-federal-more-rewards-amex
+name: Navy Federal More Rewards American Express Card
+short_name: NFCU More Rewards Amex
+color: '#1d3f73'
+# Issued by Navy Federal on the American Express network; not an Amex card,
+# so it earns Navy Federal points, not Membership Rewards.
+issuer: navy-federal
+network: amex
+currency: navy-federal-rewards
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html
+  - https://www.navyfederal.org/loans-cards/credit-cards/faqs.html
+  - https://www.navyfederal.org/membership/eligibility.html
+base_rate: 1
+annual_fee: 0
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 20000
+  spend: 2000
+  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
+rules:
+  - id: restaurants-food-delivery
+    match: { categories: [dining] }
+    rate: 3
+    note: Restaurants and food delivery, by the merchant's code. Restaurants inside another business (a hotel, casino, commissary, grocery store or event venue) may earn 1X.
+  - id: supermarkets
+    match: { categories: [grocery.supermarket] }
+    rate: 3
+    note: Supermarkets, by the merchant's code; superstores and warehouse clubs aren't supermarkets.
+  - id: gas-transit
+    match: { categories: [gas, transit] }
+    exclude: { categories: [gas.grocery_store, gas.superstore] }
+    rate: 3
+    note: Gas stations, and transit including railway, ferries, taxis, limousines, bus lines, charters, tour buses, tolls, road and bridge fees, and parking. Gas at superstores, supermarkets and warehouse clubs may earn 1X.
+evidence:
+  - rule: base_rate
+    url: https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html
+    quote: '1X points on everything else'
+  - rule: restaurants-food-delivery
+    url: https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html
+    quote: '3X points at restaurants and on food delivery'
+  - rule: restaurants-food-delivery
+    url: https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html
+    quote: 'purchases at restaurants located within another establishment (e.g., hotel, casino, commissary, grocery store, event venue)'
+  - rule: supermarkets
+    url: https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html
+    quote: '3X points at supermarkets'
+  - rule: gas-transit
+    url: https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html
+    quote: '3X points on gas and transit'
+  - rule: gas-transit
+    url: https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html
+    quote: 'purchases for transit that are identified as railway, ferries/water trip, taxi, limousines, bus lines, charters, tour buses'
+  - rule: gas-transit
+    url: https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html
+    quote: 'tolls, road/bridge fees, and parking/lots will receive 3 points for every $1 spent'
+  - rule: gas-transit
+    url: https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html
+    quote: 'purchases for gas at superstores, supermarkets, and warehouse clubs, may earn 1 point per $1 spent'
+  - rule: annual_fee
+    url: https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html
+    quote: 'No annual fee'
+  - rule: foreign_transaction_fee
+    url: https://www.navyfederal.org/loans-cards/credit-cards/more-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/more-rewards.html
+    quote: 'Earn 20,000 points when you spend $2,000 within 90 days of account opening'
+  - rule: welcome_offer
+    url: https://www.navyfederal.org/loans-cards/credit-cards/more-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/loans-cards/credit-cards/more-rewards.html
+    quote: 'you’ll need to be a Navy Federal Credit Union 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.'
+  - '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_573amex.pdf, the "Annual Fees" and "Foreign Transaction" rows and "REWARD PROGRAM DETAILS"; nfcu_829b.pdf, the More Rewards earn table and "Every 1 reward point is worth $0.01 when redeemed for cash"). Re-check them by hand when the source check flags this card.'
+  - 'Navy Federal points pool across its points cards (Flagship Premier, GO REWARDS); none of those is in earnrate yet.'

package/data/cards/paypal-cashback-mastercard.yaml

@@ -0,0 +1,52 @@
+id: paypal-cashback-mastercard
+name: PayPal Cashback Mastercard
+short_name: PayPal Cashback
+color: '#1a1f2b'
+# Issued by Synchrony Bank; rewards are paid into the linked PayPal account.
+issuer: synchrony
+network: mastercard
+currency: cash
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.paypal.com/us/digital-wallet/manage-money/paypal-cashback-mastercard
+  - https://www.synchronybankterms.com/gecrbterms/html/PayPalCashbackApplyTerms_combo.htm
+  - https://www.synchronycredit.com/gecrbterms/html/PayPalCashbackRewardsTerms.htm
+base_rate: 1.5
+annual_fee: 0
+foreign_transaction_fee: 3
+rules:
+  - id: paypal-checkout
+    match: { any: true }
+    rate: 3
+    channel: online
+    requires: { payment: paypal }
+    note: Paid with the card through your PayPal account online (choosing it at PayPal checkout), or sending money to other PayPal users through PayPal. Authorized users earn 1.5% on everything.
+evidence:
+  - rule: base_rate
+    url: https://www.paypal.com/us/digital-wallet/manage-money/paypal-cashback-mastercard
+    quote: '1.5% cash back on all other purchases everywhere Mastercard is accepted.'
+  - rule: base_rate
+    url: https://www.synchronycredit.com/gecrbterms/html/PayPalCashbackRewardsTerms.htm
+    quote: '1.5%: Each Eligible Purchase made by you everywhere else that Mastercard is accepted will earn 1.5% Cash Rewards.'
+  - rule: base_rate
+    url: https://www.synchronycredit.com/gecrbterms/html/PayPalCashbackRewardsTerms.htm
+    quote: 'there is no maximum amount of Eligible Purchases that may earn Cash Rewards.'
+  - rule: paypal-checkout
+    url: https://www.synchronycredit.com/gecrbterms/html/PayPalCashbackRewardsTerms.htm
+    quote: '3%: Each Eligible Purchase made by you through your PayPal account online'
+  - rule: paypal-checkout
+    url: https://www.paypal.com/us/digital-wallet/manage-money/paypal-cashback-mastercard
+    quote: '3% cash back when you check out with PayPal.'
+  - rule: annual_fee
+    url: https://www.paypal.com/us/digital-wallet/manage-money/paypal-cashback-mastercard
+    quote: 'no rotating categories, and no annual fee.'
+  - rule: annual_fee
+    url: https://www.synchronybankterms.com/gecrbterms/html/PayPalCashbackApplyTerms_combo.htm
+    quote: 'Annual Fee None Transaction Fees'
+  - rule: foreign_transaction_fee
+    url: https://www.synchronybankterms.com/gecrbterms/html/PayPalCashbackApplyTerms_combo.htm
+    quote: 'Either $10.00 or 5% of the amount of each cash advance, whichever is greater. 3% of each transaction.'
+  - rule: foreign_transaction_fee
+    url: https://www.synchronybankterms.com/gecrbterms/html/PayPalCashbackApplyTerms_combo.htm
+    quote: 'We will charge this fee for purchases or cash advances you make in currencies other than U.S. dollars'

package/data/cards/penfed-power-cash-rewards.yaml

@@ -0,0 +1,47 @@
+id: penfed-power-cash-rewards
+name: PenFed Power Cash Rewards Visa Signature Card
+short_name: PenFed Power Cash
+color: '#1f5c99'
+# PenFed is a credit union; the 2% rate is for Honors Advantage members, who
+# have a PenFed checking account or serve (or served) in the military.
+issuer: penfed
+network: visa
+currency: cash
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.penfed.org/credit-cards/power-cash-rewards-visa
+base_rate: 1.5
+annual_fee: 0
+foreign_transaction_fee: 0
+welcome_offer:
+  dollars: 100
+  spend: 1500
+  months: 3
+  note: The page says within 90 days of account opening, modeled as 3 months; one $100 statement credit per account.
+rules:
+  - id: honors-advantage
+    match: { any: true }
+    rate: 2
+    requires: { membership: penfed-honors-advantage }
+    note: 2% on all purchases for PenFed Honors Advantage members (a PenFed checking account, or military service); 1.5% for other members.
+todo:
+  - "penfed.org refuses plain fetches and the source check's headless browser (empty replies, HTTP 503), so the weekly check lists this page as unreachable. Its quotes were read 2026-11-04 in Chrome; the page draws the 2% and 1.5% as images, so the quotes come from its rewards calculator and footnotes. Re-read it by hand when the check flags it."
+  - "The card's pricing and full terms are PDFs (summary-of-terms-vcr-00.pdf, 1203-Pricing-List.pdf on penfed.org), not sources."
+  - 'Credit union membership: anyone can join PenFed, but no readable page says so in a quotable line, so `requires_membership` is left off.'
+evidence:
+  - rule: base_rate
+    url: https://www.penfed.org/credit-cards/power-cash-rewards-visa
+    quote: '1.5% For traditional accounts'
+  - rule: honors-advantage
+    url: https://www.penfed.org/credit-cards/power-cash-rewards-visa
+    quote: "If you have a checking account or you're in the military you can qualify for 2% cashback"
+  - rule: annual_fee
+    url: https://www.penfed.org/credit-cards/power-cash-rewards-visa
+    quote: 'Annual Fee: $0'
+  - rule: foreign_transaction_fee
+    url: https://www.penfed.org/credit-cards/power-cash-rewards-visa
+    quote: 'No Foreign Transaction Fees Use your PenFed credit card worldwide without any additional fees.'
+  - rule: welcome_offer
+    url: https://www.penfed.org/credit-cards/power-cash-rewards-visa
+    quote: 'will receive a $100 statement credit upon spending $1500 in purchase transactions within 90 days'

package/data/cards/sams-club-mastercard.yaml

@@ -0,0 +1,68 @@
+id: sams-club-mastercard
+name: Sam's Club Mastercard
+color: '#1f5fa8'
+# Issued by Synchrony Bank. Rewards are Sam's Cash, loaded onto the Sam's
+# Club membership; it spends like cash at Sam's Club and can be cashed out in
+# club.
+issuer: synchrony
+network: mastercard
+currency: cash
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.synchrony.com/partner/sams-club
+  - https://www.samsclub.com/join
+base_rate: 1
+annual_fee: 0
+foreign_transaction_fee: 0
+requires_membership: sams-club # its fee is in data/memberships.yaml
+caps:
+  - id: gas-and-ev
+    amount: 6000
+    period: calendar_year
+    then_rate: 1
+rules:
+  - id: gas-and-ev-charging
+    match: { categories: [gas, ev_charging] }
+    rate: 5
+    cap: gas-and-ev
+    note: Gas anywhere Mastercard is accepted, Sam's Club's own included. Fuel sold at a grocery store's fuel station can code as the grocery store and earn 1%.
+  - id: dining
+    match: { categories: [dining] }
+    rate: 3
+    note: Dining and takeout, including fast food.
+  - id: sams-club-plus
+    match: { merchants: [sams-club] }
+    rate: 3
+    requires: { membership: sams-club-plus }
+    note: Sam's Club purchases in club and at SamsClub.com for Plus members; Club members earn 1%. Tobacco, prescriptions, gift cards and prepaid cards earn nothing.
+todo:
+  - "synchrony.com answers the source check's headless browser with HTTP 403, so the weekly check lists the page as unreachable; its quotes were read 2026-11-04 with a plain fetch and in Chrome. Re-read it by hand when the check flags this card."
+  - "Sam's Cash earned on the card is capped at $5,000 a calendar year, about $100,000 of spending at 5%; earnrate doesn't model a cap on total rewards."
+  - "The rewards terms are a PDF (scene7.samsclub.com/is/content/samsclub/sams-cash-with-mastercard), read 2026-11-04 in a browser: 3% at restaurants worldwide, excluding warehouse clubs other than Sam's Club; gas stations and EV charging by MCC."
+  - "The site's card page offers a $60 statement credit after $30 at Sam's Club within 30 days (10/28–12/2/2026); too small to model as a welcome offer."
+evidence:
+  - rule: base_rate
+    url: https://www.synchrony.com/partner/sams-club
+    quote: 'Earn 1% back in Sam’s Cash on other purchases.'
+  - rule: gas-and-ev-charging
+    url: https://www.synchrony.com/partner/sams-club
+    quote: 'Earn 5% back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%).'
+  - rule: dining
+    url: https://www.synchrony.com/partner/sams-club
+    quote: 'Earn 3% back on dining and takeout.'
+  - rule: sams-club-plus
+    url: https://www.synchrony.com/partner/sams-club
+    quote: 'Earn 3% back on Sam’s Club purchases for Plus members (Club members earn 1%).'
+  - rule: annual_fee
+    url: https://www.synchrony.com/partner/sams-club
+    quote: 'No annual fee.'
+  - rule: foreign_transaction_fee
+    url: https://www.synchrony.com/partner/sams-club
+    quote: 'No foreign transaction fees.'
+  - rule: requires_membership
+    url: https://www.synchrony.com/partner/sams-club
+    quote: 'Yes, you need to be a Sam’s Club member to apply for a Sam’s Club credit card.'
+  - rule: requires_membership
+    url: https://www.samsclub.com/join
+    quote: 'Best value Plus $120/year Club $60/year'

package/data/cards/sofi-unlimited-2.yaml

@@ -1,5 +1,6 @@
 id: sofi-unlimited-2
 name: SoFi Unlimited 2% Credit Card
+color: '#2d2f36'
 issuer: sofi
 network: mastercard
 currency: sofi-rewards

package/data/cards/td-bank-nordstrom-credit-card.yaml

@@ -1,5 +1,6 @@
 id: td-bank-nordstrom-credit-card
 name: Nordstrom Credit Card
+color: '#1a1a1a'
 issuer: td-bank
 network: store
 only_at: [nordstrom, nordstrom-rack]

package/data/cards/td-bank-nordstrom-visa.yaml

@@ -1,5 +1,6 @@
 id: td-bank-nordstrom-visa
 name: Nordstrom Visa Credit Card
+color: '#2a2a2a'
 issuer: td-bank
 network: visa
 currency: nordy-club

package/data/cards/td-bank-target-circle-card.yaml

@@ -1,5 +1,6 @@
 id: td-bank-target-circle-card
 name: Target Circle Card
+color: '#cc0000'
 issuer: td-bank
 network: store
 only_at: [target]

package/data/cards/usbank-altitude-connect.yaml

@@ -0,0 +1,156 @@
+id: usbank-altitude-connect
+name: U.S. Bank Altitude Connect Visa Signature Card
+short_name: Altitude Connect
+color: '#3c4655'
+issuer: usbank
+network: visa
+currency: usbank-altitude
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html
+  - https://onboarding.usbank.com/gateway/partner/credit-card/begin?locationCode=18569&offerId=8BB5BD89H1&sourceCode=88416&page=terms
+  - https://rewards.usbank.com/benefits/card/AltitudeConnectBenefits/program-rules
+base_rate: 1
+annual_fee: 0
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 20000
+  spend: 1000
+  months: 3
+  note: The window is 90 days from account opening, modeled as 3 months. Not available to existing or previous Altitude Connect cardmembers who received a new account bonus for it in the last five years.
+rules:
+  - id: travel-center-hotels-car-rentals
+    match:
+      {
+        merchants:
+          [usbank-travel-center-hotels, usbank-travel-center-car-rentals],
+      }
+    rate: 5
+    note: Prepaid hotels and car rentals booked in the U.S. Bank Travel Center with this card. They don't also count as travel.
+  - id: travel
+    match: { categories: [travel, transit.rideshare] }
+    exclude:
+      {
+        merchants:
+          [usbank-travel-center-hotels, usbank-travel-center-car-rentals],
+      }
+    rate: 4
+    note: Purchases made directly with airlines, hotels, car rental companies, taxis, limousines, passenger trains and cruise lines.
+  - id: passenger-trains
+    match: { merchants: [amtrak] }
+    rate: 4
+    note: Passenger trains count as travel.
+  - id: gas-ev-charging
+    match: { categories: [gas, ev_charging] }
+    exclude: { categories: [gas.grocery_store, gas.superstore] }
+    rate: 4
+    cap: { amount: 1000, period: quarter, then_rate: 1 }
+    note: Gas stations and EV charging stations, the first $1,000 each quarter. Gas at discount stores, supercenters, wholesale clubs and grocery stores earns 1X.
+  - id: dining
+    match: { categories: [dining] }
+    rate: 2
+    note: Restaurants, fast food and bars.
+  - id: grocery
+    match: { categories: [grocery.supermarket] }
+    exclude: { categories: [superstore, warehouse_club] }
+    rate: 2
+    note: Grocery stores and supermarkets. Discount stores and supercenters such as Target and Walmart, and wholesale clubs, earn 1X.
+  - id: streaming
+    match:
+      merchants:
+        [
+          amazon-music,
+          amazon-prime-video,
+          amc-plus,
+          apple-music,
+          apple-tv,
+          audible,
+          directv-stream,
+          discovery-plus,
+          disney-plus,
+          espn,
+          fandango-at-home,
+          fanduel-sports-network,
+          fubotv,
+          hulu,
+          iheartradio,
+          liveone,
+          luminary,
+          max,
+          mlb-tv,
+          nba-league-pass,
+          netflix,
+          pandora,
+          paramount-plus,
+          peacock,
+          showtime,
+          siriusxm,
+          sling-tv,
+          spotify,
+          starz,
+          tidal,
+          youtube-music,
+          youtube-premium,
+          youtube-tv,
+        ]
+    rate: 2
+    note: 'Qualifying streaming subscriptions: Amazon Music Unlimited, Amazon Prime Video, AMC+, Apple Music, Apple TV+, Audible, DirecTV Stream, Discovery+, Disney+, ESPN+, Fandango at Home, FanDuel Sports Network, Fubo TV, Max, Hulu, iHeart, LiveOne, Luminary, MLB TV, NBA League Pass, Netflix, Pandora, Paramount+, Peacock, Showtime, SiriusXM, Sling TV, Spotify, Starz, Stitcher, Tidal, YouTube Music, YouTube Premium and YouTube TV.'
+# Not modeled: Priority Pass lounge visits, the TSA PreCheck or Global Entry
+# credit and travel protections, which are benefits rather than points.
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://rewards.usbank.com/benefits/card/AltitudeConnectBenefits/program-rules
+    quote: 'You will earn 1 Point for every $1 in eligible Net Purchases'
+  - rule: travel-center-hotels-car-rentals
+    url: https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html
+    quote: 'on prepaid hotels and car rentals booked directly in the Travel Center when you use this card.'
+  - rule: travel-center-hotels-car-rentals
+    url: https://rewards.usbank.com/benefits/card/AltitudeConnectBenefits/program-rules
+    quote: 'are not classified as a travel category merchant transaction'
+  - rule: travel
+    url: https://rewards.usbank.com/benefits/card/AltitudeConnectBenefits/program-rules
+    quote: 'for every $1 on travel category purchases'
+  - rule: travel
+    url: https://rewards.usbank.com/benefits/card/AltitudeConnectBenefits/program-rules
+    quote: 'airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies'
+  - rule: passenger-trains
+    url: https://rewards.usbank.com/benefits/card/AltitudeConnectBenefits/program-rules
+    quote: 'airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies'
+  - rule: gas-ev-charging
+    url: https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html
+    quote: 'And 4X points at gas stations/EV charging stations* on your first $1,000 each quarter.'
+  - rule: gas-ev-charging
+    url: https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html
+    quote: 'discount stores/supercenters, wholesale clubs and grocery stores/supermarkets will earn only 1 Point'
+  - rule: dining
+    url: https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html
+    quote: '2X points on dining, streaming services and at grocery stores.'
+  - rule: dining
+    url: https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html
+    quote: 'restaurant, fast-food restaurant and bar'
+  - rule: grocery
+    url: https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html
+    quote: 'wholesale clubs and discount stores/supercenters such as Target and Walmart will earn only 1 Point'
+  - rule: streaming
+    url: https://rewards.usbank.com/benefits/card/AltitudeConnectBenefits/program-rules
+    quote: 'Qualifying streaming subscription services are: Amazon Music Unlimited, Amazon Prime Video, AMC+'
+  - rule: annual_fee
+    url: https://onboarding.usbank.com/gateway/partner/credit-card/begin?locationCode=18569&offerId=8BB5BD89H1&sourceCode=88416&page=terms
+    quote: 'Annual Membership Fee None'
+  - rule: welcome_offer
+    url: https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html
+    quote: 'Just spend $1,000 in Net Purchases in the first 90 days.'
+  - rule: welcome_offer
+    url: https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html
+    quote: 'Earn 20,000 bonus points.'
+  - rule: welcome_offer
+    url: https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html
+    quote: 'if you have received a new account bonus for this product in the last five years'
+  - rule: foreign_transaction_fee
+    url: https://onboarding.usbank.com/gateway/partner/credit-card/begin?locationCode=18569&offerId=8BB5BD89H1&sourceCode=88416&page=terms
+    quote: 'Foreign Transaction None'
+todo:
+  - 'Stitcher is a qualifying streaming service that earnrate has no merchant for yet.'
+  - "Passenger trains are modeled only for Amtrak, since earnrate's transit category also covers buses, tolls and parking, which U.S. Bank doesn't list as travel."

package/data/cards/usbank-altitude-go.yaml

@@ -0,0 +1,124 @@
+id: usbank-altitude-go
+name: U.S. Bank Altitude Go Visa Signature Card
+color: '#6b7f8f'
+issuer: usbank
+network: visa
+currency: usbank-altitude
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.usbank.com/credit-cards/altitude-go-visa-signature-credit-card.html
+  - https://onboarding.usbank.com/gateway/partner/credit-card/begin?locationCode=18569&offerId=HQWRM3D57Q&sourceCode=88268&page=terms
+  - https://rewards.usbank.com/benefits/card/AltitudeGoBenefits/program-rules
+base_rate: 1
+annual_fee: 0
+foreign_transaction_fee: 3
+welcome_offer:
+  points: 20000
+  spend: 1000
+  months: 3
+  note: The window is 90 days from account opening, modeled as 3 months. Not available to existing or previous Altitude Go cardmembers who received a new account bonus for it in the last five years.
+rules:
+  - id: dining
+    match: { categories: [dining] }
+    rate: 4
+    cap: { amount: 2000, period: quarter, then_rate: 1 }
+    note: Restaurants, fast food, bars, takeout and restaurant delivery. The first $2,000 each quarter, then 1X.
+  - id: grocery
+    match: { categories: [grocery.supermarket] }
+    exclude: { categories: [superstore, warehouse_club] }
+    rate: 2
+    note: Grocery stores and supermarkets. Discount stores and supercenters such as Target and Walmart, and wholesale clubs, earn 1X.
+  - id: gas-ev-charging
+    match: { categories: [gas, ev_charging] }
+    exclude: { categories: [gas.grocery_store, gas.superstore] }
+    rate: 2
+    note: Gas stations and EV charging stations. Gas at discount stores, supercenters, wholesale clubs and grocery stores earns 1X.
+  - id: streaming
+    match:
+      merchants:
+        [
+          amazon-music,
+          amazon-prime-video,
+          amc-plus,
+          apple-music,
+          apple-tv,
+          audible,
+          directv-stream,
+          discovery-plus,
+          disney-plus,
+          espn,
+          fandango-at-home,
+          fanduel-sports-network,
+          fubotv,
+          hulu,
+          iheartradio,
+          liveone,
+          luminary,
+          max,
+          mlb-tv,
+          nba-league-pass,
+          netflix,
+          pandora,
+          paramount-plus,
+          peacock,
+          showtime,
+          siriusxm,
+          sling-tv,
+          spotify,
+          starz,
+          tidal,
+          youtube-music,
+          youtube-premium,
+          youtube-tv,
+        ]
+    rate: 2
+    note: 'Qualifying streaming subscriptions: Amazon Music Unlimited, Amazon Prime Video, AMC+, Apple Music, Apple TV+, Audible, DirecTV Stream, Discovery+, Disney+, ESPN+, Fandango at Home, FanDuel Sports Network, Fubo TV, Max, Hulu, iHeart, LiveOne, Luminary, MLB TV, NBA League Pass, Netflix, Pandora, Paramount+, Peacock, Showtime, SiriusXM, Sling TV, Spotify, Starz, Stitcher, Tidal, YouTube Music, YouTube Premium and YouTube TV.'
+# Not modeled: the $15 streaming credit after 11 consecutive months of
+# streaming purchases.
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://rewards.usbank.com/benefits/card/AltitudeGoBenefits/program-rules
+    quote: 'You will earn 1 Point for every $1 in eligible Net Purchases'
+  - rule: dining
+    url: https://www.usbank.com/credit-cards/altitude-go-visa-signature-credit-card.html
+    quote: 'on dining, takeout and restaurant delivery on your first $2,000 each quarter'
+  - rule: dining
+    url: https://rewards.usbank.com/benefits/card/AltitudeGoBenefits/program-rules
+    quote: 'for every $1 on restaurant, fast-food restaurant and bar purchases on your first $2,000 each quarter'
+  - rule: grocery
+    url: https://rewards.usbank.com/benefits/card/AltitudeGoBenefits/program-rules
+    quote: 'Purchases at discount stores/supercenters such as Target and Walmart and wholesale clubs will earn only 1 point.'
+  - rule: grocery
+    url: https://rewards.usbank.com/benefits/card/AltitudeGoBenefits/program-rules
+    quote: 'for every $1 in grocery store and supermarket purchases'
+  - rule: gas-ev-charging
+    url: https://rewards.usbank.com/benefits/card/AltitudeGoBenefits/program-rules
+    quote: 'for every $1 on gas station and EV charging station purchases'
+  - rule: gas-ev-charging
+    url: https://rewards.usbank.com/benefits/card/AltitudeGoBenefits/program-rules
+    quote: 'discount stores/supercenters, wholesale clubs and grocery stores/supermarkets will earn only 1 Point'
+  - rule: streaming
+    url: https://rewards.usbank.com/benefits/card/AltitudeGoBenefits/program-rules
+    quote: 'for every $1 on qualifying streaming subscription service purchases'
+  - rule: streaming
+    url: https://rewards.usbank.com/benefits/card/AltitudeGoBenefits/program-rules
+    quote: 'Qualifying streaming subscription services are: Amazon Music Unlimited, Amazon Prime Video, AMC+'
+  - rule: annual_fee
+    url: https://onboarding.usbank.com/gateway/partner/credit-card/begin?locationCode=18569&offerId=HQWRM3D57Q&sourceCode=88268&page=terms
+    quote: 'Annual Membership Fee None'
+  - rule: welcome_offer
+    url: https://www.usbank.com/credit-cards/altitude-go-visa-signature-credit-card.html
+    quote: 'Just spend $1,000 in Net Purchases in the first 90 days.'
+  - rule: welcome_offer
+    url: https://www.usbank.com/credit-cards/altitude-go-visa-signature-credit-card.html
+    quote: 'Earn 20,000 bonus points.'
+  - rule: welcome_offer
+    url: https://www.usbank.com/credit-cards/altitude-go-visa-signature-credit-card.html
+    quote: 'if you have received a new account bonus for this product in the last five years'
+  - rule: foreign_transaction_fee
+    url: https://onboarding.usbank.com/gateway/partner/credit-card/begin?locationCode=18569&offerId=HQWRM3D57Q&sourceCode=88268&page=terms
+    quote: 'Foreign Transaction 3% of each foreign transaction'
+todo:
+  - 'Stitcher is a qualifying streaming service that earnrate has no merchant for yet.'

package/data/cards/usbank-cash-plus.yaml

@@ -1,5 +1,6 @@
 id: usbank-cash-plus
 name: U.S. Bank Cash+ Visa Signature Card
+color: '#4b6e8d'
 issuer: usbank
 network: visa
 currency: cash