earnrate 0.2.12 → 0.2.13

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

@@ -60,6 +60,31 @@ milestones:
     note: 'Premier Gold status unlocks it too. It lasts the rest of that calendar year and all of the next.'
 todo:
   - United Card Events from Chase also earn 5x; 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: 20
+    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: 12
+    period: month
+    enroll: true
+    note: 'Rideshare rides. Opt in each year. December allows $18 (modeled at $12).'
+  - id: jsx
+    match: { merchants: [jsx] }
+    amount: 200
+    period: cardmember_year
+    note: 'Flights booked directly with JSX.'
+  - id: renowned-hotels-credit
+    match: { merchants: [renowned-hotels-chase-travel] }
+    amount: 200
+    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
@@ -122,3 +147,18 @@ evidence:
   - rule: spend-50k
     url: https://creditcards.chase.com/travel-credit-cards/united/united-club
     quote: 'Receive United Club All Access Membership after spending $50,000 in a calendar year'
+  - rule: instacart
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-club
+    quote: 'you can receive two (2) $10 credits in your Instacart account each month'
+  - rule: rideshare
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-club
+    quote: 'up to $12 back as a statement credit each month from January through November'
+  - rule: rideshare
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-club
+    quote: 'Yearly opt-in is required.'
+  - rule: jsx
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-club
+    quote: 'Get up to $200 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-club
+    quote: 'Receive up to $200 back in statement credits each anniversary year on hotel accommodations'

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

@@ -47,6 +47,26 @@ milestones:
     note: "One a calendar year. It posts to MileagePlus within 6-8 weeks and expires 12 months after it's issued."
 todo:
   - United Card Events from Chase also earn 3x; 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: 10
+    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."
+  - id: rideshare
+    match: { categories: [transit.rideshare] }
+    amount: 5
+    period: month
+    enroll: true
+    note: 'Rideshare rides. Opt in each year.'
+  - id: jsx
+    match: { merchants: [jsx] }
+    amount: 100
+    period: cardmember_year
+    note: 'Flights booked directly with JSX.'
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: annual_fee
@@ -94,3 +114,15 @@ evidence:
   - rule: spend-20k
     url: https://creditcards.chase.com/travel-credit-cards/united/united-explorer
     quote: 'Earn a 10,000-mile award flight discount after spending $20,000 each calendar year'
+  - rule: instacart
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-explorer
+    quote: 'you can receive one $10 credit in your Instacart account each month'
+  - rule: rideshare
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-explorer
+    quote: 'receive up to $5 back as a statement credit each month on rideshare purchases'
+  - rule: rideshare
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-explorer
+    quote: 'Yearly opt-in is required.'
+  - rule: jsx
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-explorer
+    quote: 'Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX'

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

@@ -81,6 +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
@@ -140,3 +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-executive.yaml

@@ -30,9 +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
@@ -67,3 +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-strata-elite.yaml

@@ -39,9 +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
@@ -83,3 +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/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.'

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

@@ -15,8 +15,13 @@ source_urls:
 base_rate: 1.5
 annual_fee: 0
 foreign_transaction_fee: 3
-todo:
-  - "3% cash back when the card is paid through your PayPal account online (PayPal checkout, or sending money to other PayPal users) isn't modeled: earnrate sees the merchant and channel, not how a purchase is paid, so every purchase gets 1.5% here."
+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
@@ -27,6 +32,12 @@ evidence:
   - 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.'

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/usbank-altitude-connect.yaml

@@ -62,6 +62,7 @@ rules:
         [
           amazon-music,
           amazon-prime-video,
+          amc-plus,
           apple-music,
           apple-tv,
           audible,
@@ -70,9 +71,13 @@ rules:
           disney-plus,
           espn,
           fandango-at-home,
+          fanduel-sports-network,
           fubotv,
-          max,
           hulu,
+          iheartradio,
+          liveone,
+          luminary,
+          max,
           mlb-tv,
           nba-league-pass,
           netflix,
@@ -85,6 +90,7 @@ rules:
           spotify,
           starz,
           tidal,
+          youtube-music,
           youtube-premium,
           youtube-tv,
         ]
@@ -146,5 +152,5 @@ evidence:
     url: https://onboarding.usbank.com/gateway/partner/credit-card/begin?locationCode=18569&offerId=8BB5BD89H1&sourceCode=88416&page=terms
     quote: 'Foreign Transaction None'
 todo:
-  - 'AMC+, FanDuel Sports Network, iHeart, LiveOne, Luminary, Stitcher and YouTube Music are qualifying streaming services that earnrate has no merchant for yet.'
+  - '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

@@ -40,6 +40,7 @@ rules:
         [
           amazon-music,
           amazon-prime-video,
+          amc-plus,
           apple-music,
           apple-tv,
           audible,
@@ -48,9 +49,13 @@ rules:
           disney-plus,
           espn,
           fandango-at-home,
+          fanduel-sports-network,
           fubotv,
-          max,
           hulu,
+          iheartradio,
+          liveone,
+          luminary,
+          max,
           mlb-tv,
           nba-league-pass,
           netflix,
@@ -63,6 +68,7 @@ rules:
           spotify,
           starz,
           tidal,
+          youtube-music,
           youtube-premium,
           youtube-tv,
         ]
@@ -115,4 +121,4 @@ evidence:
     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:
-  - 'AMC+, FanDuel Sports Network, iHeart, LiveOne, Luminary, Stitcher and YouTube Music are qualifying streaming services that earnrate has no merchant for yet.'
+  - 'Stitcher is a qualifying streaming service that earnrate has no merchant for yet.'