earnrate 0.2.12 → 0.2.14

This diff represents the content of publicly available package versions that have been released to one of the supported registries. The information contained in this diff is provided for informational purposes only and reflects changes between package versions as they appear in their respective public registries.
Files changed (99) hide show
  1. package/README.md +20 -7
  2. package/data/CHANGELOG.md +197 -0
  3. package/data/VERSION +1 -1
  4. package/data/cards/amex-blue-cash-everyday.yaml +28 -2
  5. package/data/cards/amex-blue-cash-preferred.yaml +19 -0
  6. package/data/cards/amex-business-gold.yaml +38 -3
  7. package/data/cards/amex-business-platinum.yaml +72 -3
  8. package/data/cards/amex-delta-skymiles-gold.yaml +34 -9
  9. package/data/cards/amex-delta-skymiles-platinum.yaml +40 -9
  10. package/data/cards/amex-delta-skymiles-reserve.yaml +42 -10
  11. package/data/cards/amex-gold.yaml +52 -0
  12. package/data/cards/amex-hilton-honors-aspire.yaml +23 -1
  13. package/data/cards/amex-hilton-honors-business.yaml +14 -1
  14. package/data/cards/amex-hilton-honors-surpass.yaml +14 -1
  15. package/data/cards/amex-marriott-bonvoy-brilliant.yaml +15 -1
  16. package/data/cards/amex-marriott-bonvoy-business.yaml +7 -8
  17. package/data/cards/amex-platinum.yaml +110 -0
  18. package/data/cards/apple-card.yaml +76 -0
  19. package/data/cards/bilt-obsidian.yaml +12 -2
  20. package/data/cards/bilt-palladium.yaml +12 -2
  21. package/data/cards/caltech-efcu-platinum-mastercard.yaml +50 -0
  22. package/data/cards/capital-one-rei-co-op-mastercard.yaml +62 -0
  23. package/data/cards/capital-one-venture-x-business.yaml +28 -1
  24. package/data/cards/capital-one-venture-x.yaml +30 -2
  25. package/data/cards/chase-aeroplan.yaml +14 -0
  26. package/data/cards/chase-ihg-one-rewards-business.yaml +27 -1
  27. package/data/cards/chase-ihg-one-rewards-premier-select.yaml +16 -0
  28. package/data/cards/chase-ihg-one-rewards-premier.yaml +15 -0
  29. package/data/cards/chase-ink-business-cash.yaml +13 -0
  30. package/data/cards/chase-ink-business-unlimited.yaml +13 -2
  31. package/data/cards/chase-sapphire-preferred.yaml +11 -0
  32. package/data/cards/chase-sapphire-reserve.yaml +44 -4
  33. package/data/cards/chase-united-business.yaml +32 -0
  34. package/data/cards/chase-united-club-business.yaml +40 -0
  35. package/data/cards/chase-united-club.yaml +40 -0
  36. package/data/cards/chase-united-explorer.yaml +32 -0
  37. package/data/cards/chase-united-quest.yaml +40 -0
  38. package/data/cards/citi-aadvantage-executive.yaml +26 -1
  39. package/data/cards/citi-strata-elite.yaml +20 -1
  40. package/data/cards/discover-it-cash-back.yaml +8 -5
  41. package/data/cards/fidelity-rewards-visa-signature.yaml +60 -0
  42. package/data/cards/navy-federal-cash-rewards-plus.yaml +61 -0
  43. package/data/cards/navy-federal-cash-rewards.yaml +60 -0
  44. package/data/cards/navy-federal-more-rewards-amex.yaml +92 -0
  45. package/data/cards/paypal-cashback-mastercard.yaml +13 -2
  46. package/data/cards/penfed-power-cash-rewards.yaml +47 -0
  47. package/data/cards/usbank-altitude-connect.yaml +8 -2
  48. package/data/cards/usbank-altitude-go.yaml +8 -2
  49. package/data/cards/usbank-smartly.yaml +107 -0
  50. package/data/cards/venmo-credit-card.yaml +151 -0
  51. package/data/cards/verizon-visa-card.yaml +122 -0
  52. package/data/currencies.yaml +14 -0
  53. package/data/issuers.yaml +22 -0
  54. package/data/memberships.yaml +35 -0
  55. package/data/merchants/overrides.yaml +448 -0
  56. package/data/merchants/seed.yaml +1085 -66
  57. package/dist/cli/args.js +18 -0
  58. package/dist/cli/explore.js +10 -1
  59. package/dist/cli/run.js +4 -1
  60. package/dist/cli/wallet.js +31 -4
  61. package/dist/data/file-store.js +5 -2
  62. package/dist/data/integrity.js +22 -0
  63. package/dist/data/store.js +4 -1
  64. package/dist/data/wallet-edit.js +25 -6
  65. package/dist/engine/cheat-sheet.js +20 -7
  66. package/dist/engine/checklist.js +35 -11
  67. package/dist/engine/credits.js +65 -0
  68. package/dist/engine/evaluate.js +38 -11
  69. package/dist/engine/explore.js +72 -9
  70. package/dist/engine/offers.js +2 -1
  71. package/dist/engine/periods.js +10 -3
  72. package/dist/engine/recommend.js +101 -38
  73. package/dist/engine/record.js +42 -1
  74. package/dist/engine/rotation.js +4 -0
  75. package/dist/engine/rule-text.js +35 -7
  76. package/dist/engine/setup.js +17 -6
  77. package/dist/engine/simulate.js +13 -4
  78. package/dist/engine/text.js +89 -1
  79. package/dist/engine/wallet-change.js +37 -1
  80. package/dist/engine/wallet-summary.js +32 -4
  81. package/dist/format/card-text.js +4 -3
  82. package/dist/format/cards.js +6 -2
  83. package/dist/format/cheat-sheet.js +2 -0
  84. package/dist/format/explore.js +20 -4
  85. package/dist/format/recommendation.js +6 -2
  86. package/dist/format/wallet-yaml.js +11 -15
  87. package/dist/format/wallet.js +15 -7
  88. package/dist/import/analyze.js +7 -2
  89. package/dist/mcp/inputs.js +10 -0
  90. package/dist/mcp/prompts.js +9 -1
  91. package/dist/mcp/schemas.js +71 -1
  92. package/dist/mcp/tools/answers.js +11 -5
  93. package/dist/mcp/tools/wallet.js +15 -7
  94. package/dist/merchants/resolve.js +8 -0
  95. package/dist/schema/card.js +37 -3
  96. package/dist/schema/common.js +1 -1
  97. package/dist/schema/merchant.js +6 -0
  98. package/dist/schema/wallet.js +8 -0
  99. package/package.json +1 -1
package/README.md CHANGED
@@ -153,6 +153,18 @@ Every purchase on the card counts. Once earnrate knows how much you've spent on
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  `earnrate simulate` adds a bonus's points to a card's yearly rewards when the year's spending on it reaches the total.
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+ ### Store credits
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+
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+ Some cards give dollars back for spending at a named store, up to a limit each period: Amex Platinum's $75 a quarter at lululemon, Amex Gold's $7 a month at Dunkin', Blue Cash Preferred's $10 a month on Disney+, Hulu or ESPN subscriptions. The purchase still earns the card's rate; the credit comes on top. Asking about the store with no cards saved lists the cards with a credit there first, "With a store credit", in dollars ("$75 back each quarter, then 1x Amex Membership Rewards"), then the usual ranking by rate. A search for a kind of purchase ("clothing") doesn't.
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+
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+ With a saved wallet, a credit counts only once you mark it enrolled (these all need enrolling with the issuer), and only while some is left this period. Given an amount, its dollars count toward that card's return and can make it the pick; without one, the answer shows what's left. Recording a purchase from an AI assistant uses it up, and `earnrate todo` reminds you to enroll and to use what's left before the period ends:
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+
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+ ```sh
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+ earnrate update amex-platinum --enrolled lululemon --credit-used lululemon=40
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+ ```
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+
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+ In the wallet file that's `enrolled: [lululemon]` and `credit_usage: { lululemon: { period: 2026-Q4, used: 40 } }` on the card. On earnrate.dev it's in the card's settings. The cheat sheet, simulations and welcome-offer comparisons leave credits out.
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+
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  ### Which new card?
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  These compare every card earnrate knows that's open to new applicants:
@@ -189,20 +201,21 @@ It totals what each card earned against the best card in your wallet for each pu
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  ## Supported cards
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- 90 cards, each modeled from the issuer's own terms and checked weekly against them:
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+ 101 cards, each modeled from the issuer's own terms and checked weekly against them:
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  - **American Express:** Gold, Platinum, Blue Cash Preferred, Blue Cash Everyday, Business Gold, Business Platinum, Blue Business Plus
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  - **American Express airline and hotel:** Delta SkyMiles Blue, Gold, Platinum, Reserve; Hilton Honors, Surpass, Aspire, Business; Marriott Bonvoy Brilliant, Bevy, Business
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  - **Chase:** Sapphire Preferred, Sapphire Reserve, Freedom Unlimited, Freedom Flex, Freedom Rise, Ink Business Cash, Ink Business Unlimited, Ink Business Preferred, Prime Visa
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  - **Chase airline and hotel:** United Gateway, Explorer, Quest, Club, Business, Club Business; Southwest Plus, Premier, Priority, Premier Business, Performance Business; Aeroplan; IHG One Rewards, Premier, Premier Select, Business; Marriott Bonvoy Boundless, Bold
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  - **Citi:** Strata Elite, Strata Premier, Strata, Double Cash, Custom Cash, My Best Buy Visa, Costco Anywhere Visa (personal and business); AAdvantage MileUp, Platinum Select, Globe, Executive, Business
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- - **Capital One:** Venture X, Venture, Savor, Quicksilver, Venture X Business, Spark Cash Plus, Kohl's Card, Kohl's Rewards Visa
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+ - **Capital One:** Venture X, Venture, Savor, Quicksilver, Venture X Business, Spark Cash Plus, Kohl's Card, Kohl's Rewards Visa, REI Co-op Mastercard
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  - **Wells Fargo:** Active Cash, Autograph, Autograph Journey
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  - **Bank of America:** Customized Cash Rewards, Unlimited Cash Rewards, Travel Rewards, Premium Rewards; Atmos Rewards Ascent, Summit, Business
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  - **TD Bank:** Target Circle Card, Nordstrom card, Nordstrom Visa
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- - **U.S. Bank:** Cash+, Altitude Go, Altitude Connect
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+ - **U.S. Bank:** Cash+, Altitude Go, Altitude Connect, Smartly Visa Signature
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  - **Bilt:** Blue, Obsidian, Palladium
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- - **Others:** Discover it Cash Back, SoFi Unlimited 2%, JetBlue Plus (Barclays), PayPal Cashback Mastercard and Sam's Club Mastercard (Synchrony)
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+ - **Credit unions:** Navy Federal cashRewards, cashRewards Plus, More Rewards American Express; PenFed Power Cash Rewards; Caltech EFCU Platinum Mastercard
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+ - **Others:** Apple Card (Goldman Sachs), Discover it Cash Back, SoFi Unlimited 2%, JetBlue Plus (Barclays), PayPal Cashback Mastercard, Sam's Club Mastercard, Venmo Credit Card and Verizon Visa Card (Synchrony), Fidelity Rewards Visa Signature (Elan)
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  Store cards (Target, Kohl's, Nordstrom) only come up at their own stores. Airline and hotel cards count only what the card itself earns, not the points a program gives members however they pay, and their perks (bags, free nights, lounges) aren't counted.
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@@ -227,15 +240,15 @@ Use the connector (or plugin) or the local extension, not both: each keeps its o
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  - `best_card_for_purchase`: which card to use, with reasons
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  - `best_cards_for` and `simulate_spending`: compare every card earnrate knows, for one purchase or a year of spending, with no wallet needed
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  - `resolve_merchant`: how a merchant was identified
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- - `list_wallet`: a to-do list for your cards right now, then your cards, caps left this period, chosen categories, welcome-bonus and spend-bonus progress and the point values you've set
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+ - `list_wallet`: a to-do list for your cards right now, then your cards, caps left this period, chosen categories, store credits left, welcome-bonus and spend-bonus progress and the point values you've set
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  - `cheat_sheet`: the card to use for each everyday kind of purchase this quarter
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  - `compare_welcome_offers`: the best public sign-up offers on cards you don't have
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- - `record_purchase`: books a purchase against its cap, any open welcome bonus and the card's yearly spend bonuses in your wallet file, keeping your comments
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+ - `record_purchase`: books a purchase against its cap, any open welcome bonus, the card's yearly spend bonuses and an enrolled store credit in your wallet file, keeping your comments
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  - `search_cards`, `add_card`, `update_card`, `remove_card`, `set_memberships` and `set_point_values`: set up the wallet in conversation, including what your points are worth (memberships and point values need no cards)
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  Both servers also offer four prompts, ready-made questions you can pick in Claude instead of typing one. None needs your cards:
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- - `which-card`: which credit card to use at a store or for a kind of purchase, with an optional amount and country
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+ - `which-card`: which credit card to use at a store or for a kind of purchase, with an optional amount, country and way of paying
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  - `cheat-sheet`: the card for each everyday kind of purchase
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  - `this-quarter`: what to do with your saved cards now (activations, picks, caps, welcome bonuses)
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  - `set-up`: save your cards by name, with their picks and memberships
package/data/CHANGELOG.md CHANGED
@@ -2,6 +2,203 @@
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  Every change to card rules, merchants, categories or currencies under `data/`. Bump `data/VERSION` (`YYYY.MM.DD`, plus `.N` for a second release on the same day) and add a section here in the same commit. Each row cites the issuer page the new value came from.
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+ ## 2026.11.05.1
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+
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+ Welcome offers replacing the four that ended 2026-11-04, read on Amex's pages 2026-11-05; none has an end date now. Discover it's foreign transaction fee, from a Discover page that states it.
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+
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+ | Card | Field | Was | Now | Sources |
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+ | ----------------------------- | ------------------------- | ----------------------------------------------------------------------------------------- | ------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
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+ | amex-delta-skymiles-gold | `welcome_offer` | as high as 80,000 miles + $250 credit after $3,000 in 6 months, ending 2026-11-04 | as high as 80,000 miles after $2,000 in 6 months | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms) · [2](https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/) |
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+ | amex-delta-skymiles-platinum | `welcome_offer` | as high as 90,000 miles + $300 credit after $4,000 in 6 months, ending 2026-11-04 | as high as 90,000 miles after $3,000 in 6 months | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms) · [2](https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-platinum-american-express-card/) |
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+ | amex-delta-skymiles-reserve | `welcome_offer` | 50,000 miles + 2 Comfort Flight Certificates after $10,000 in 6 months, ending 2026-11-04 | as high as 125,000 miles after $5,000 in 6 months | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms) · [2](https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-reserve-american-express-card/) |
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+ | amex-marriott-bonvoy-business | `welcome_offer` | 100,000 points + Free Night Award after $8,000 in 6 months, ending 2026-11-04 | 75,000 points after $6,000 in 6 months | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms) · [2](https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/) |
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+ | discover-it-cash-back | `foreign_transaction_fee` | unknown | 0 ("Discover® has no foreign transaction fee") | [1](https://www.discover.com/credit-cards/card-smarts/best-international-travel-credit-card/) |
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+
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+ ## 2026.11.05
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+
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+ Wording only; no rates changed. `walmart-plus`, `peloton-membership` and `uber-one` take `preposition: on`, so their credits read "on Walmart+ membership" rather than "at".
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+
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+ ## 2026.11.04.15
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+
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+ Merchant statement credits on every card whose issuer publishes them: 73 new credits on 31 cards, each quoted from the issuer's own pages (read 2026-11-04). With the three already entered, 76 credits on 32 cards. Credits a cardholder must pick a merchant for, ones once every several years, benefits that aren't spending, and the kinds `docs/feature-gaps.md` lists under "Merchant credits the schema can't express" aren't entered. No earn rates changed.
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+
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+ New merchants: `resy` (a restaurant that takes Resy reservations), `viagogo`, `jsx`, `blacklane`, `alto`, `clear`, `walmart-plus` (the membership fee), `peloton-membership`, `chatgpt`, `squarespace`, `indeed`, `dell`, `home-chef`, `wonder`, `oura`, `new-york-times`, `wall-street-journal`, `expensify` and `american-airlines-vacations`.
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+
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+ | Card | Credit (`id`) | Amount | Enroll | Merchants | Sources |
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+ | ------------------------------------ | ----------------------------- | ---------------------- | ------ | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
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+ | amex-platinum | `uber-cash` | $15 a month | no | `uber`, `uber-eats` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms) |
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+ | amex-platinum | `uber-one` | $120 a calendar year | no | `uber-one` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms) |
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+ | amex-platinum | `resy` | $100 a quarter | yes | `resy` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms) |
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+ | amex-platinum | `digital-entertainment` | $25 a month | yes | `disney-plus`, `espn`, `hulu`, `new-york-times`, `paramount-plus`, `peacock`, `wall-street-journal`, `youtube-premium`, `youtube-tv` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms) · [2](https://www.americanexpress.com/us/credit-cards/card/platinum/) |
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+ | amex-platinum | `equinox` | $300 a calendar year | yes | `equinox` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms) |
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+ | amex-platinum | `oura` | $200 a calendar year | yes | `oura` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms) |
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+ | amex-platinum | `walmart-plus` | $12.95 a month | no | `walmart-plus` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms) |
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+ | amex-platinum | `clear-plus` | $219 a calendar year | no | `clear` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms) |
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+ | amex-gold | `uber-cash` | $10 a month | no | `uber`, `uber-eats` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0#offer-terms) |
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+ | amex-gold | `dining` | $10 a month | yes | `grubhub`, `buffalo-wild-wings`, `five-guys`, `cheesecake-factory`, `wonder` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0#offer-terms) |
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+ | amex-gold | `resy` | $50 each half year | yes | `resy` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0#offer-terms) |
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+ | amex-blue-cash-everyday | `home-chef` | $15 a month | yes | `home-chef` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-everyday-credit-card/25330-10-0) |
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+ | amex-blue-cash-everyday | `disney-streaming` | $7 a month | yes | `disney-plus`, `hulu`, `espn` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-everyday-credit-card/25330-10-0) |
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+ | amex-business-gold | `chatgpt-business` | $300 a calendar year | yes | `chatgpt` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms) |
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+ | amex-business-gold | `squarespace` | $150 a calendar year | yes | `squarespace` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms) |
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+ | amex-business-gold | `walmart-plus` | $12.95 a month | no | `walmart-plus` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms) |
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+ | amex-business-platinum | `hilton` | $50 a quarter | yes | `hilton` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms) |
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+ | amex-business-platinum | `clear-plus` | $219 a calendar year | no | `clear` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms) |
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+ | amex-business-platinum | `chatgpt-business` | $300 a calendar year | yes | `chatgpt` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms) |
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+ | amex-business-platinum | `wireless` | $10 a month | yes | category `phone` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms) |
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+ | amex-business-platinum | `indeed` | $90 a quarter | yes | `indeed` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms) |
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+ | amex-business-platinum | `dell` | $150 a calendar year | yes | `dell` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms) |
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+ | amex-delta-skymiles-gold | `delta-stays` | $100 a calendar year | no | `delta-stays` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms) |
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+ | amex-delta-skymiles-gold | `rideshare` | $10 a month | yes | `uber`, `lyft`, `curb`, `alto` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms) |
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+ | amex-delta-skymiles-platinum | `resy` | $10 a month | yes | `resy` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms) |
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+ | amex-delta-skymiles-platinum | `rideshare` | $10 a month | yes | `uber`, `lyft`, `curb`, `alto` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms) |
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+ | amex-delta-skymiles-platinum | `delta-stays` | $150 a calendar year | no | `delta-stays` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms) |
56
+ | amex-delta-skymiles-reserve | `resy` | $20 a month | yes | `resy` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms) |
57
+ | amex-delta-skymiles-reserve | `rideshare` | $10 a month | yes | `uber`, `lyft`, `curb`, `alto` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms) |
58
+ | amex-delta-skymiles-reserve | `delta-stays` | $200 a calendar year | no | `delta-stays` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms) |
59
+ | amex-hilton-honors-surpass | `hilton` | $50 a quarter | no | `hilton` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms) |
60
+ | amex-hilton-honors-business | `hilton` | $60 a quarter | no | `hilton` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms) |
61
+ | amex-hilton-honors-aspire | `flight-credit` | $50 a quarter | no | category `travel.flights` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms) |
62
+ | amex-hilton-honors-aspire | `clear-plus` | $219 a calendar year | no | `clear` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms) |
63
+ | amex-marriott-bonvoy-brilliant | `dining` | $25 a month | no | category `dining` | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms) |
64
+ | chase-sapphire-reserve | `travel` | $300 a cardmember year | no | category `travel`, `transit` | [1](https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve) |
65
+ | chase-sapphire-reserve | `stubhub` | $150 each half year | yes | `stubhub`, `viagogo` | [1](https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve) |
66
+ | chase-sapphire-reserve | `lyft-credit` | $10 a month | no | `lyft` | [1](https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve) |
67
+ | chase-sapphire-reserve | `peloton-credit` | $10 a month | yes | `peloton-membership` | [1](https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve) |
68
+ | chase-sapphire-preferred | `chase-travel-hotels` | $100 a cardmember year | no | `chase-travel` | [1](https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred) |
69
+ | chase-united-explorer | `instacart` | $10 a month | yes | `instacart` | [1](https://creditcards.chase.com/travel-credit-cards/united/united-explorer) |
70
+ | chase-united-explorer | `rideshare` | $5 a month | yes | category `transit.rideshare` | [1](https://creditcards.chase.com/travel-credit-cards/united/united-explorer) |
71
+ | chase-united-explorer | `jsx` | $100 a cardmember year | no | `jsx` | [1](https://creditcards.chase.com/travel-credit-cards/united/united-explorer) |
72
+ | chase-united-quest | `instacart` | $15 a month | yes | `instacart` | [1](https://creditcards.chase.com/travel-credit-cards/united/united-quest) |
73
+ | chase-united-quest | `rideshare` | $8 a month | yes | category `transit.rideshare` | [1](https://creditcards.chase.com/travel-credit-cards/united/united-quest) |
74
+ | chase-united-quest | `jsx` | $150 a cardmember year | no | `jsx` | [1](https://creditcards.chase.com/travel-credit-cards/united/united-quest) |
75
+ | chase-united-quest | `renowned-hotels-credit` | $150 a cardmember year | no | `renowned-hotels-chase-travel` | [1](https://creditcards.chase.com/travel-credit-cards/united/united-quest) |
76
+ | chase-united-club | `instacart` | $20 a month | yes | `instacart` | [1](https://creditcards.chase.com/travel-credit-cards/united/united-club) |
77
+ | chase-united-club | `rideshare` | $12 a month | yes | category `transit.rideshare` | [1](https://creditcards.chase.com/travel-credit-cards/united/united-club) |
78
+ | chase-united-club | `jsx` | $200 a cardmember year | no | `jsx` | [1](https://creditcards.chase.com/travel-credit-cards/united/united-club) |
79
+ | chase-united-club | `renowned-hotels-credit` | $200 a cardmember year | no | `renowned-hotels-chase-travel` | [1](https://creditcards.chase.com/travel-credit-cards/united/united-club) |
80
+ | chase-united-business | `instacart` | $10 a month | yes | `instacart` | [1](https://creditcards.chase.com/business-credit-cards/united/united-business-card) |
81
+ | chase-united-business | `rideshare` | $8 a month | yes | category `transit.rideshare` | [1](https://creditcards.chase.com/business-credit-cards/united/united-business-card) |
82
+ | chase-united-business | `jsx` | $100 a cardmember year | no | `jsx` | [1](https://creditcards.chase.com/business-credit-cards/united/united-business-card) |
83
+ | chase-united-club-business | `instacart` | $20 a month | yes | `instacart` | [1](https://creditcards.chase.com/business-credit-cards/united/united-club-business) |
84
+ | chase-united-club-business | `rideshare` | $12 a month | yes | category `transit.rideshare` | [1](https://creditcards.chase.com/business-credit-cards/united/united-club-business) |
85
+ | chase-united-club-business | `jsx` | $200 a cardmember year | no | `jsx` | [1](https://creditcards.chase.com/business-credit-cards/united/united-club-business) |
86
+ | chase-united-club-business | `renowned-hotels-credit` | $200 a cardmember year | no | `renowned-hotels-chase-travel` | [1](https://creditcards.chase.com/business-credit-cards/united/united-club-business) |
87
+ | chase-ihg-one-rewards-premier | `instacart` | $10 a month | yes | `instacart` | [1](https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier) |
88
+ | chase-ihg-one-rewards-premier-select | `instacart` | $10 a month | yes | `instacart` | [1](https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier-select) |
89
+ | chase-ihg-one-rewards-business | `instacart` | $10 a month | yes | `instacart` | [1](https://creditcards.chase.com/business-credit-cards/IHG/business) |
90
+ | chase-ihg-one-rewards-business | `expensify` | $100 a calendar year | no | `expensify` | [1](https://creditcards.chase.com/business-credit-cards/IHG/business) |
91
+ | chase-aeroplan | `air-canada-credit` | $50 each half year | no | `air-canada` | [1](https://creditcards.chase.com/travel-credit-cards/aircanada/aeroplan) |
92
+ | chase-ink-business-cash | `instacart` | $20 a month | yes | `instacart` | [1](https://creditcards.chase.com/business-credit-cards/ink/cash) |
93
+ | chase-ink-business-unlimited | `instacart` | $20 a month | yes | `instacart` | [1](https://creditcards.chase.com/business-credit-cards/ink/unlimited) |
94
+ | capital-one-venture-x | `capital-one-travel` | $300 a cardmember year | no | `capital-one-travel`, `capital-one-travel-hotels`, `capital-one-travel-vacation-rentals`, `capital-one-travel-car-rentals`, `capital-one-travel-activities`, `capital-one-travel-flights` | [1](https://disclosures.capitalone.com/disclosure.42201.en-US.html) |
95
+ | capital-one-venture-x-business | `capital-one-business-travel` | $300 a cardmember year | no | `capital-one-business-travel`, `capital-one-business-travel-hotels`, `capital-one-business-travel-vacation-rentals`, `capital-one-business-travel-car-rentals`, `capital-one-business-travel-flights` | [1](https://disclosures.capitalone.com/disclosure.42243.en-US.html) |
96
+ | citi-strata-elite | `blacklane` | $100 each half year | no | `blacklane` | [1](https://www.citi.com/credit-cards/citi-strata-elite-credit-card) |
97
+ | citi-strata-elite | `hotel` | $300 a calendar year | no | `citi-travel-hotels` | [1](https://www.citi.com/credit-cards/citi-strata-elite-credit-card) |
98
+ | citi-aadvantage-executive | `aa-vacations` | $250 each half year | no | `american-airlines-vacations` | [1](https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard) |
99
+ | citi-aadvantage-executive | `avis-budget` | $120 a calendar year | no | `avis`, `budget` | [1](https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard) |
100
+ | bilt-obsidian | `hotel-credit` | $50 each half year | no | `bilt-travel-hotels` | [1](https://www.bilt.com/card/obsidian) |
101
+ | bilt-palladium | `hotel-credit` | $200 each half year | no | `bilt-travel-hotels` | [1](https://www.bilt.com/card/palladium) |
102
+
103
+ ## 2026.11.04.14
104
+
105
+ - **PenFed Power Cash Rewards Visa Signature** (`penfed-power-cash-rewards`, new issuer PenFed): 2% on everything for Honors Advantage members (a PenFed checking account or military service, new membership `penfed-honors-advantage`), 1.5% for other members; no annual fee, no foreign transaction fee; $100 after $1,500 in 90 days. Source: [the card page](https://www.penfed.org/credit-cards/power-cash-rewards-visa), read 2026-11-04 in Chrome (penfed.org refuses the source check).
106
+ - `usbank-smartly`: foreign transaction fee 3%, from [its terms](https://onboarding.usbank.com/gateway/partner/credit-card/begin?locationCode=8069&offerId=36672BDX52&sourceCode=87869&page=terms) ("Foreign Transaction 3% of each foreign transaction"), read in Chrome.
107
+
108
+ ## 2026.11.04.13
109
+
110
+ Merchant statement credits (a new `credits:` list on cards). Three to start, each quoted from Amex's own benefit terms (read 2026-11-04); enrollment is required for all three:
111
+
112
+ | Card | Credit (`id`) | Amount | Where | Sources |
113
+ | ------------------------ | ------------------ | ------------- | -------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
114
+ | amex-platinum | `lululemon` | $75 a quarter | U.S. lululemon stores, lululemon.com and the app (not outlets) | [1](https://www.americanexpress.com/us/credit-cards/card/platinum/) · [2](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms) |
115
+ | amex-gold | `dunkin` | $7 a month | U.S. Dunkin' locations | [1](https://www.americanexpress.com/us/credit-cards/card/gold-card/) · [2](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0#offer-terms) |
116
+ | amex-blue-cash-preferred | `disney-streaming` | $10 a month | Subscriptions at DisneyPlus.com, Hulu.com or Stream.ESPN.com | [1](https://www.americanexpress.com/us/credit-cards/card/blue-cash-preferred/) · [2](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-preferred-credit-card/25330-10-0#offer-terms) |
117
+
118
+ Amex's terms don't say whether the credited part of a purchase earns points or cash back (its rewards terms count "purchases for goods and services minus returns and other credits"), so each card earns its rate on the whole purchase and has a `todo` saying so. No rates changed.
119
+
120
+ ## 2026.11.04.12
121
+
122
+ Streaming rules for merchants that joined the directory in 2026.11.04.10:
123
+
124
+ - `amex-blue-cash-preferred`'s 6% now covers Luminary, which is on Amex's [Select U.S. Streaming Subscriptions list](https://www.americanexpress.com/us/content/rewards-info/retail.html).
125
+ - `usbank-altitude-go` and `usbank-altitude-connect` now earn their streaming rate at AMC+, FanDuel Sports Network, iHeartRadio, LiveOne, Luminary and YouTube Music, all named in their program rules ([Go](https://rewards.usbank.com/benefits/card/AltitudeGoBenefits/program-rules), [Connect](https://rewards.usbank.com/benefits/card/AltitudeConnectBenefits/program-rules)).
126
+
127
+ Quote fixes, no rate changes: Navy Federal's quotes say "cashRewards" as the page does, and Fidelity's foreign-fee quote matches Elan's table.
128
+
129
+ All read 2026-11-04. "Delta Hotels" now means Marriott's brand (2026.11.04.10); Delta's own booking site is "Delta Stays".
130
+
131
+ ## 2026.11.04.11
132
+
133
+ Nine credit union and fintech cards, each from the issuer's own pages, with a `color` for earnrate's drawing. New issuers: Caltech Employees Federal Credit Union (`caltech-efcu`), Navy Federal Credit Union (`navy-federal`) and Elan Financial Services (`elan`). New memberships: `caltech-efcu`, `navy-federal`, `verizon-account` and `rei-co-op` (each `annual_fee: 0`: credit union membership is by eligibility, Verizon's is the service account, and REI's price isn't on a readable page), and the U.S. Bank Smartly Earning Bonus tiers `usbank-smartly-25`, `usbank-smartly-50` and `usbank-smartly-100`. New currencies: Navy Federal Rewards points (1¢, Navy Federal's cash value) and REI Co-op Mastercard rewards (1¢, spendable only at REI). New merchant: `verizon-store` (Verizon devices and accessories, apart from the `verizon` bill). Not added: PenFed Power Cash Rewards and Pathfinder Rewards (penfed.org refuses plain fetches, so no PenFed text could be read) and the Kroger Rewards World Elite Mastercard (kroger.com and krogermastercard.com refuse plain fetches, and no readable U.S. Bank page states its terms). `data/sources.lock.json` isn't refreshed for these pages yet.
134
+
135
+ | Card | Main rates | Fees | Sources |
136
+ | -------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
137
+ | caltech-efcu-platinum-mastercard | No rewards | $0 annual fee; no foreign transaction fee | [1](https://www.caltechefcu.org/home/products/lending/mastercard) · [2](https://www.caltechefcu.org/home/products/lending/mastercard/disclosure) · [3](https://www.caltechefcu.org/home/products/lending/mastercard/mastercard_faqs) · [4](https://www.caltechefcu.org/home/products/lending/mastercard/student_mastercard) · [5](https://www.caltechefcu.org/home/resources/fees) · [6](https://www.caltechefcu.org/home/membership/eligibility) |
138
+ | navy-federal-cash-rewards | 1.5% on everything | $0 annual fee; no foreign transaction fee | [1](https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html) · [2](https://www.navyfederal.org/loans-cards/credit-cards/faqs.html) · [3](https://www.navyfederal.org/membership/eligibility.html) |
139
+ | navy-federal-cash-rewards-plus | 2% on everything (issued for a credit limit of $5,000 or more) | $0 annual fee; no foreign transaction fee | [1](https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html) · [2](https://www.navyfederal.org/loans-cards/credit-cards/faqs.html) · [3](https://www.navyfederal.org/membership/eligibility.html) |
140
+ | navy-federal-more-rewards-amex | 3X at restaurants and on food delivery, at supermarkets, and on gas and transit; 1X else | $0 annual fee; no foreign transaction fee | [1](https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html) · [2](https://www.navyfederal.org/loans-cards/credit-cards/faqs.html) · [3](https://www.navyfederal.org/membership/eligibility.html) |
141
+ | fidelity-rewards-visa-signature | 2% on everything, deposited into a Fidelity account | $0 annual fee; no foreign transaction fee | [1](https://www.fidelity.com/spend-save/visa-signature-card) · [2](https://www.fidelity.com/spend-save/faqs-rewards-credit-cards) · [3](https://online1.elancard.com/pdap/terms?locationCode=24193&offerId=5W8QWVRP5M&sourceCode=88155&st=y) |
142
+ | venmo-credit-card | 3% on dining and nightlife and on entertainment; 1% else (3% through Venmo checkout isn't modeled) | $0 annual fee; no foreign transaction fee | [1](https://venmo.com/about/creditcard/) · [2](https://venmo.com/about/creditcard/rewards) · [3](https://www.synchronybankterms.com/syfterms/html/VCCRewardsTerms.htm) · [4](https://www.synchronybankterms.com/syfterms/html/VenmoVCCApplyTerms_combo.htm) |
143
+ | verizon-visa-card | 4% on gas and EV charging, at supermarkets, at restaurants and on Verizon devices; 1% on the Verizon bill and else | $0 annual fee; no foreign transaction fee | [1](https://www.verizon.com/financial-services/verizon-visa-card/) · [2](https://www.verizon.com/support/verizon-visa-card-rewards-legal/) · [3](https://www.verizon.com/support/verizon-visa-card-faqs/) |
144
+ | usbank-smartly | 2% on everything; 2.5%, 3% or 4% by Smartly Earning Bonus tier on the first $10,000 a billing cycle; 6% on Travel Center hotels and cars | $0 annual fee; foreign fee not on file | [1](https://www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html) · [2](https://rewards.usbank.com/benefits/card/SmartlyBenefits/program-rules) |
145
+ | capital-one-rei-co-op-mastercard | 5% at REI; 1.5% else, in REI rewards | $0 annual fee; no foreign transaction fee | [1](https://www.capitalone.com/credit-cards/rei/) |
146
+
147
+ ## 2026.11.04.10
148
+
149
+ The merchant directory grows from 648 to 912 entries (264 added), so each gets its own `/best/<store>` page. Names come from the issuers' own merchant lists below, [Wikipedia's lists of U.S. supermarket chains](https://en.wikipedia.org/wiki/List_of_supermarket_chains_in_the_United_States), [fast-food chains](https://en.wikipedia.org/wiki/List_of_fast_food_restaurant_chains) and [casual dining chains](https://en.wikipedia.org/wiki/List_of_casual_dining_restaurant_chains), and the hotel groups' own brand lists; only names were taken, never other data. No card rules or rates changed.
150
+
151
+ Categories follow the issuers' definitions, read 2026-11-04: [Chase's rewards category FAQ](https://www.chase.com/personal/credit-cards/rewards-category-faq), [Amex's retail category terms](https://www.americanexpress.com/us/content/rewards-info/retail.html) and [U.S. Bank's Cash+ sample merchants](https://cashplus.usbank.com/cash-plus/samplemerchants). Merchants that code unexpectedly are in `overrides.yaml` with a note.
152
+
153
+ Hotel brands get their own entries, with a new `brand_of` field naming their group: a card rule that names `hilton`, `marriott` or `ihg` also matches Hampton Inn, Courtyard or Holiday Inn Express, and a rule that leaves the group out (Hilton Business's 5x everyday rate) leaves its brands out too. Their names move from the group's aliases to the brand. Brands not split out stay aliases of their group. "Delta Hotels" now means Marriott's brand, not Delta Stays.
154
+
155
+ | Category | Added | Source for the category |
156
+ | --------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
157
+ | Supermarkets | Lunds & Byerlys, Woodman's Markets, Festival Foods, Fareway, Coborn's, Sendik's Food Market, Metro Market, Heinen's, Harps Food Stores, Gerbes (Midwest); Harveys Supermarket, Brookshire Brothers, Super 1 Foods, Fiesta Mart, Sedano's, United Supermarkets, Central Market (South); Kings Food Markets, Key Food, Foodtown, Fairway Market, Stew Leonard's, Price Rite, Redner's Markets, Roche Bros. (Northeast); Bashas', Ridley's Family Markets, Harmons (Mountain West); Haggen, Yoke's Fresh Market (Pacific Northwest); Cardenas Markets, Northgate Market, Vallarta Supermarkets, Nugget Markets (California); Foodland (Hawaii) | Supermarkets; U.S. Bank's grocery list names Lunds & Byerlys, Amex's supermarket examples name Kings Food Markets |
158
+ | Supermarkets (warehouse-style) | Smart & Final (override) | Amex names it among its U.S. supermarket examples, which settles what kept it out of 2026.11.04.4 |
159
+ | Drugstores | Kinney Drugs, Discount Drug Mart, Medicine Shoppe, Good Neighbor Pharmacy, Fruth Pharmacy, Thrifty White Pharmacy | Chase: merchants that "specialize in selling prescription drugs and over-the-counter medicines" |
160
+ | Gas | Amoco, Irving Oil; MAPCO, Weigel's, Kwik Fill, Allsup's, Yesway (overrides: may code as a convenience store where there are no pumps) | Chase: gas "paid for either at the pump or inside the station" |
161
+ | EV charging | Shell Recharge, IONNA, Rivian Adventure Network | Chase: "charging stations available to the public" |
162
+ | Fast food | Cook Out, Steak 'n Shake, Taco Cabana, Pollo Tropical, Fatburger, A&W Restaurants, Good Times, Lee's Famous Recipe Chicken, Slim Chickens, Dave's Hot Chicken, Schlotzsky's, The Halal Guys; Hungry Howie's, Round Table Pizza, Donatos Pizza; Scooter's Coffee, Biggby Coffee, The Coffee Bean & Tea Leaf, Philz Coffee, 7 Brew; Rita's Italian Ice, Andy's Frozen Custard | Counter-service chains; Amex: "fast food restaurants are included in the restaurant rewards category" |
163
+ | Fast food (fast casual) | The Habit Burger Grill, Wayback Burgers, BurgerFi, Pei Wei, Chicken Salad Chick, Cafe Rio, Café Zupas, Torchy's Tacos, Fuzzy's Taco Shop, Mendocino Farms, Dickey's Barbecue Pit, Jamba (overrides: may code as restaurants) | As for Panera and CAVA: fast-casual chains can post as fast food or as restaurants |
164
+ | Restaurants | Village Inn, Famous Dave's, Old Chicago, Sizzler, Skyline Chili, Frisch's Big Boy, Friendly's, The Original Pancake House, Snooze, Chuy's, On The Border, Pappadeaux, Joe's Crab Shack, Miller's Ale House, Seasons 52, Eddie V's, The Melting Pot, Cooper's Hawk, Mellow Mushroom, Uno Pizzeria & Grill, Lazy Dog, Lou Malnati's, Giordano's, Pizza Ranch | Full-service chains; U.S. Bank's restaurant list names Village Inn, Famous Dave's, Old Chicago, Sizzler and Skyline Chili |
165
+ | Hotels (brands) | Marriott: Courtyard, Residence Inn, Fairfield, SpringHill Suites, JW Marriott, Sheraton, Westin, W Hotels, The Ritz-Carlton, St. Regis, Aloft, Moxy, Four Points, Delta Hotels. Hilton: Hampton Inn, Hilton Garden Inn, DoubleTree, Embassy Suites, Homewood Suites, Home2 Suites, Waldorf Astoria. IHG: Holiday Inn, Holiday Inn Express, InterContinental, Kimpton, Crowne Plaza, Staybridge Suites. Hyatt: Hyatt Regency, Hyatt Place, Hyatt House, Grand Hyatt. Wyndham: La Quinta, Days Inn, Super 8, Ramada, Travelodge. Choice: Comfort Inn, Quality Inn, Sleep Inn, Econo Lodge. Country Inn & Suites (Radisson), Fairmont (Accor) | Hotels, each `brand_of` its group |
166
+ | Flights | Porter Airlines, Copa Airlines, Avianca, LATAM, Qantas, Cathay Pacific, Korean Air, Etihad, Viva Aerobus | Airlines |
167
+ | Cruises | Oceania Cruises, Cunard | Cruise lines |
168
+ | Travel | KOA, Hipcamp (campgrounds); Evolve Vacation Rental | Chase's travel includes "campgrounds" (not public ones); Evolve isn't one of Chase's "vacation homes at top brands" |
169
+ | Transit | Sound Transit, King County Metro, Washington State Ferries, Clipper, RTD Denver, Valley Metro | Chase: "passenger trains, buses ... ferries"; U.S. Bank lists Sound Transit, Clipper and Washington State Ferries |
170
+ | Transit (parking and tolls) | The Parking Spot, Park 'N Fly, FastPark & Relax, SP+ (MCC 7523); I-PASS, Peach Pass, NC Quick Pass, EZ TAG, TollTag, E-PASS (MCC 4784) (overrides) | Chase's transit names "toll bridges and highways, and parking lots and garages"; U.S. Bank's ground transportation leaves out "parking garages and toll stations" |
171
+ | Rideshare | Yellow Cab | U.S. Bank's ground transportation list; Chase's rideshare: "taxi, limousine, and rideshare services" |
172
+ | Streaming | Luminary, LiveOne, FanDuel Sports Network (overrides) | Luminary is on Amex's Select U.S. Streaming list; all three are on U.S. Bank's Altitude streaming list, and its Cash+ samples name Slacker Radio (LiveOne) |
173
+ | TV and internet | Starlink, Ziply Fiber, WOW! Internet; T-Mobile Home Internet (override, so "T-Mobile" stays cell phone) | Chase: "internet, cable, satellite television" |
174
+ | Cell phone | US Mobile, Ultra Mobile; Optimum Mobile, Cox Mobile (overrides, so "Optimum Mobile" no longer matches Optimum internet) | Chase: "cellular, wireless data" |
175
+ | Utilities | Nicor Gas, Puget Sound Energy, Republic Services, Evergy, Portland General Electric, LADWP, Consumers Energy, CenterPoint Energy | U.S. Bank's home utilities list (all but Consumers and CenterPoint); Chase: "electric, household fuel, water, and sanitation" |
176
+ | Gyms | Pure Barre, XSport Fitness, Genesis Health Clubs, EōS Fitness, Chuze Fitness, CorePower Yoga, Barry's | U.S. Bank's gym list (Pure Barre, XSport, Genesis); Chase's gyms include "fitness studios" and "yoga" |
177
+ | Movie theaters | Atom Tickets, B&B Theatres, Emagine; LOOK Dine-In Cinemas, Flix Brewhouse (overrides: in-seat dining) | U.S. Bank's movie theater list (Atom Tickets) |
178
+ | Entertainment | SeatGeek, StubHub, Vivid Seats | Ticket sellers for live events, like Ticketmaster and AXS |
179
+ | Department stores | Bealls, Century 21 | Both on Amex's select major department stores list |
180
+ | Furniture | Slumberland, Mor Furniture, Mattress Warehouse, Raymour & Flanigan, Living Spaces | U.S. Bank's furniture list (Slumberland, Mor, Mattress Warehouse) |
181
+ | Electronics | Bose | U.S. Bank's electronics store list |
182
+ | Sporting goods | Backcountry, PGA Tour Superstore, Field & Stream; Camping World (override: RV sales may code as a dealer) | U.S. Bank's sporting goods list (Backcountry, Camping World) |
183
+ | Home improvement | Harbor Freight Tools, 84 Lumber | Chase: "from larger home improvement stores to smaller hardware stores" |
184
+ | Clothing (kids) | Carter's, The Children's Place | Clothing stores. Neither is on Cash+'s select clothing list |
185
+ | Online retail | ThriftBooks, Bookshop.org, RockAuto, Tire Rack, Blue Nile, Musician's Friend, Sweetwater | Amex's online retail: "U.S. retail merchant that sells physical goods", including book, auto and music stores |
186
+ | Everything else, online retail on their sites | Books-A-Million, Half Price Books, Powell's Books, Build-A-Bear Workshop, LEGO Store, Sally Beauty, Bluemercury, Kay Jewelers, Zales, Jared, Tiffany & Co., Pandora Jewelry, Pep Boys (overrides) | Book, toy, beauty, jewelry and auto stores have no bonus category in store; Amex's online retail counts their websites. Pandora Jewelry is listed so it no longer matches the Pandora music service |
187
+ | Everything else | Ocean State Job Lot, Bargain Hunt, Daiso (discount stores); Jiffy Lube, Valvoline Instant Oil Change, Midas, Firestone Complete Auto Care, Mister Car Wash (auto service); Armstrong Garden Centers, Calloway's Nursery (garden centers); Massage Envy (overrides) | Chase's grocery leaves out "discount stores"; Chase's home improvement leaves out "garden and landscaping supplies"; Chase's gyms leave out "massage therapy"; no card has an auto service category |
188
+
189
+ ## 2026.11.04.9
190
+
191
+ Rules can now depend on how a purchase is paid (`requires: { payment: … }`, `exclude: { payment: […] }`), and the answer counts them only when the purchase says so.
192
+
193
+ Apple Card (`apple-card`, issued by Goldman Sachs, a new issuer): 3% at Apple however it's paid; 3% with Apple Pay at Ace Hardware, ChargePoint, Duane Reade, ExxonMobil, Hertz, Nike, Uber, Uber Eats and Walgreens, in the U.S.; 2% on any purchase with Apple Pay; 1% with the titanium card or the card number. No annual fee and no foreign transaction fee. Booking.com's 3% needs Apple's own booking link, so it's left out. Source: [apple.com/apple-card](https://www.apple.com/apple-card/), read 2026-11-04 with a plain fetch and in headless Chromium. New merchant: Nike (`nike`, clothing).
194
+
195
+ `paypal-cashback-mastercard` now earns 3% on purchases made through PayPal checkout online (previously a `todo`, modeled at 1.5% everywhere). Sources: [Synchrony's rewards terms](https://www.synchronycredit.com/gecrbterms/html/PayPalCashbackRewardsTerms.htm) ("3%: Each Eligible Purchase made by you through your PayPal account online") and [PayPal's card page](https://www.paypal.com/us/digital-wallet/manage-money/paypal-cashback-mastercard), read 2026-11-04.
196
+
197
+ | Card | Main rates | Fees | Sources |
198
+ | -------------------------- | ----------------------------------------------------------------------------------- | ----------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
199
+ | apple-card | 3% at Apple; 3% with Apple Pay at select U.S. merchants; 2% with Apple Pay; 1% else | $0 annual fee; no foreign transaction fee | [1](https://www.apple.com/apple-card/) |
200
+ | paypal-cashback-mastercard | 3% through PayPal checkout online; 1.5% else | $0 annual fee; 3% foreign transaction fee | [1](https://www.paypal.com/us/digital-wallet/manage-money/paypal-cashback-mastercard) · [2](https://www.synchronycredit.com/gecrbterms/html/PayPalCashbackRewardsTerms.htm) |
201
+
5
202
  ## 2026.11.04.8
6
203
 
7
204
  Sam's Club Mastercard (`sams-club-mastercard`, Synchrony): 5% on gas and EV charging on the first $6,000 a year, then 1%; 3% on dining and takeout; 3% at Sam's Club for Plus members (1% for Club members); 1% on everything else. No annual fee and no foreign transaction fee; it needs a Sam's Club membership. New memberships: `sams-club` (Club, $60 a year) and `sams-club-plus`. Sources: [Synchrony's Sam's Club page](https://www.synchrony.com/partner/sams-club) and [Sam's Club membership prices](https://www.samsclub.com/join), read 2026-11-04 (synchrony.com refuses the source check's headless browser, so its quotes were read with a plain fetch and in Chrome).
package/data/VERSION CHANGED
@@ -1 +1 @@
1
- 2026.11.04.8
1
+ 2026.11.05.1
package/data/cards/amex-blue-cash-everyday.yaml CHANGED
@@ -54,8 +54,21 @@ rules:
54
54
  geography: us_only
55
55
  cap: { amount: 6000, period: calendar_year, then_rate: 1 }
56
56
  note: Superstores, supermarkets and warehouse clubs that sell gas are not gas stations.
57
- # Each 3% category has its own $6,000 calendar-year cap. Not modeled: the
58
- # Disney streaming statement credit.
57
+ # Each 3% category has its own $6,000 calendar-year cap.
58
+ # Merchant statement credits, on top of what the purchase earns.
59
+ credits:
60
+ - id: home-chef
61
+ match: { merchants: [home-chef] }
62
+ amount: 15
63
+ period: month
64
+ enroll: true
65
+ note: 'A Home Chef meal kit subscription bought at homechef.com/blue-cash-everyday. Not individual meal kits, kitchenware or gift cards.'
66
+ - id: disney-streaming
67
+ match: { merchants: [disney-plus, hulu, espn] }
68
+ amount: 7
69
+ period: month
70
+ enroll: true
71
+ note: "Subscriptions bought at DisneyPlus.com, Hulu.com or Stream.ESPN.com, bundles included; an annual plan gets one $7 credit, in the month it's bought. Not through an app store or a device, or with cable."
59
72
  # Issuer text backing each rule; `yarn check-sources` checks it weekly.
60
73
  evidence:
61
74
  - rule: base_rate
@@ -100,5 +113,18 @@ evidence:
100
113
  - rule: foreign_transaction_fee
101
114
  url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-everyday-credit-card/25330-10-0
102
115
  quote: 'Foreign Transaction 2.7% of each transaction after conversion to US dollars'
116
+ - rule: home-chef
117
+ url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-everyday-credit-card/25330-10-0
118
+ quote: 'can receive up to $15 in monthly statement credits'
119
+ - rule: home-chef
120
+ url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-everyday-credit-card/25330-10-0
121
+ quote: 'Enrollment on the American Express Benefit Dashboard is required to receive this benefit.'
122
+ - rule: disney-streaming
123
+ url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-everyday-credit-card/25330-10-0
124
+ quote: 'Basic Card Members can receive up to $7 in statement credits each month'
125
+ - rule: disney-streaming
126
+ url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-everyday-credit-card/25330-10-0
127
+ quote: 'made on their enrolled Card Account online at U.S. websites DisneyPlus.com, Hulu.com or Stream.ESPN.com'
103
128
  todo:
104
129
  - "Amex's online retail examples name Walmart.com and drug stores, so superstore and drugstore sites earn 3% here; online grocery orders don't, but a grocery order on walmart.com or target.com can't be told apart from other purchases there. Warehouse club sites (costco.com, samsclub.com) aren't named, so they aren't modeled."
130
+ - 'Amex''s rewards terms count eligible purchases as "purchases for goods and services minus returns and other credits" and don''t say whether that takes out benefit statement credits. Its credits are modeled as earning the card''s rate on the whole purchase, with the credit on top.'
package/data/cards/amex-blue-cash-preferred.yaml CHANGED
@@ -48,6 +48,7 @@ rules:
48
48
  hulu,
49
49
  iheartradio,
50
50
  kindle-unlimited,
51
+ luminary,
51
52
  mgm-plus,
52
53
  mlb-tv,
53
54
  nba-league-pass,
@@ -79,8 +80,17 @@ rules:
79
80
  rate: 3
80
81
  geography: us_only
81
82
  note: Superstores, supermarkets and warehouse clubs that sell gas are not gas stations.
83
+ # Merchant statement credits, on top of what the purchase earns.
84
+ credits:
85
+ - id: disney-streaming
86
+ match: { merchants: [disney-plus, hulu, espn] }
87
+ amount: 10
88
+ period: month
89
+ enroll: true
90
+ note: Subscriptions bought at DisneyPlus.com, Hulu.com or Stream.ESPN.com, bundles included; an annual plan gets one $10 credit, in the month it's bought. Not through an app store or a device, or with cable.
82
91
  todo:
83
92
  - Amex's Select U.S. Streaming list also names AMC+, Britbox, iHeartRadio, Kindle Unlimited, Luminary and MGM+, which earnrate doesn't know as stores yet.
93
+ - 'Amex''s rewards terms count eligible purchases as "purchases for goods and services minus returns and other credits", which may or may not take out benefit statement credits; it doesn''t say. The disney-streaming credit is modeled as earning the card''s rate on the whole purchase, with the credit on top.'
84
94
  # Issuer text backing each rule; `yarn check-sources` checks it weekly.
85
95
  evidence:
86
96
  - rule: base_rate
@@ -128,3 +138,12 @@ evidence:
128
138
  - rule: foreign_transaction_fee
129
139
  url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-preferred-credit-card/25330-10-0#offer-terms
130
140
  quote: 'Foreign Transaction 2.7% of each transaction after conversion to US dollars'
141
+ - rule: disney-streaming
142
+ url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-preferred-credit-card/25330-10-0#offer-terms
143
+ quote: 'Basic Card Members can receive up to $10 in statement credits each month'
144
+ - rule: disney-streaming
145
+ url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-preferred-credit-card/25330-10-0#offer-terms
146
+ quote: 'made on their enrolled Card Account online at U.S. websites DisneyPlus.com, Hulu.com or Stream.ESPN.com'
147
+ - rule: disney-streaming
148
+ url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/blue-cash-preferred-credit-card/25330-10-0#offer-terms
149
+ quote: 'Enrollment through American Express is required to receive the benefit.'
package/data/cards/amex-business-gold.yaml CHANGED
@@ -64,9 +64,28 @@ rules:
64
64
  }
65
65
  rate: 2
66
66
  note: Prepaid car rentals, cruises and prepaid Airbnb stays booked through AmexTravel.com or the Amex Travel app.
67
- # Not modeled: the $240 flexible business credit, the ChatGPT Business,
68
- # Squarespace and Walmart+ credits, and the Venue Collection, which are
69
- # statement credits rather than points.
67
+ # Not modeled: the $240 flexible business credit (Grubhub and UPS.com plus
68
+ # the office supply store category, which a credit can't mix) and the Venue
69
+ # Collection (10% back, not a fixed amount).
70
+ # Merchant statement credits, on top of what the purchase earns.
71
+ credits:
72
+ - id: chatgpt-business
73
+ match: { merchants: [chatgpt] }
74
+ amount: 300
75
+ period: calendar_year
76
+ enroll: true
77
+ note: 'ChatGPT Business bought directly from OpenAI in the U.S.'
78
+ - id: squarespace
79
+ match: { merchants: [squarespace] }
80
+ amount: 150
81
+ period: calendar_year
82
+ enroll: true
83
+ note: 'Bought directly from Squarespace on squarespace.com or acuityscheduling.com.'
84
+ - id: walmart-plus
85
+ match: { merchants: [walmart-plus] }
86
+ amount: 12.95
87
+ period: month
88
+ note: 'One Walmart+ monthly membership fee a month, plus its tax. Not annual memberships, Plus Ups or Walmart Business+.'
70
89
  # Issuer text backing each rule; `yarn check-sources` checks it weekly.
71
90
  evidence:
72
91
  - rule: base_rate
@@ -129,6 +148,22 @@ evidence:
129
148
  - rule: foreign_transaction_fee
130
149
  url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
131
150
  quote: 'Foreign Transaction None Penalty Fees'
151
+ - rule: chatgpt-business
152
+ url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
153
+ quote: 'Each Card Account is eligible for up to $300 in statement credits per calendar year.'
154
+ - rule: chatgpt-business
155
+ url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
156
+ quote: 'Valid only on purchases of ChatGPT Business made directly with OpenAI'
157
+ - rule: squarespace
158
+ url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
159
+ quote: 'Each Card Account is eligible for up to $150 in statement credits per calendar year.'
160
+ - rule: squarespace
161
+ url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
162
+ quote: 'Valid only on purchases made directly with Squarespace on squarespace.com or acuityscheduling.com'
163
+ - rule: walmart-plus
164
+ url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms
165
+ quote: 'statement credit for one Walmart+ monthly membership fee (up to $12.95 plus applicable taxes)'
132
166
  todo:
133
167
  - 'Software and cloud system providers count toward the electronics category, but earnrate has no software or cloud category, so only electronics stores are modeled.'
134
168
  - "From February 17, 2027, advertising counts only when bought directly from Meta, Google, Amazon, Microsoft, GoDaddy and Yelp, and wireless only from Verizon, AT&T, T-Mobile, Frontier, Comcast, Charter, Spectrum Mobile, UScellular, Optimum, Ultra Mobile and Mint Mobile. earnrate has no way to limit a category to named merchants from a date, so this isn't modeled yet."
169
+ - 'Amex''s rewards terms count eligible purchases as "purchases for goods and services minus returns and other credits" and don''t say whether that takes out benefit statement credits. Its credits are modeled as earning the card''s rate on the whole purchase, with the credit on top.'