earnrate 0.2.12 → 0.2.14

package/data/cards/amex-business-platinum.yaml

@@ -56,9 +56,47 @@ rules:
     geography: us_only
     cap: key-business-categories
     note: U.S. shipping providers. Shares the $2 million yearly cap.
-# Not modeled: the hotel, Hilton, airline fee, CLEAR, Dell, ChatGPT, Adobe,
-# Indeed and wireless credits, the 35% Pay with Points airline bonus and
-# lounge access, which are credits or benefits rather than points earned.
+# Not modeled: the hotel and Airbnb credits (only some Amex Travel bookings),
+# the airline fee credit (an airline you pick), Adobe and the extra Dell
+# credit (after a spending total), the 35% Pay with Points airline bonus and
+# lounge access.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: hilton
+    match: { merchants: [hilton] }
+    amount: 50
+    period: quarter
+    enroll: true
+    note: 'Bookings and incidental charges directly with a property in the Hilton portfolio. Enrolling signs you up for Hilton for Business, which needs a Hilton Honors account.'
+  - id: clear-plus
+    match: { merchants: [clear] }
+    amount: 219
+    period: calendar_year
+    note: 'An annual CLEAR+ membership.'
+  - id: chatgpt-business
+    match: { merchants: [chatgpt] }
+    amount: 300
+    period: calendar_year
+    enroll: true
+    note: 'ChatGPT Business bought directly from OpenAI in the U.S.'
+  - id: wireless
+    match: { categories: [phone] }
+    amount: 10
+    period: month
+    enroll: true
+    note: 'Monthly wireless phone service bought directly from a U.S. provider, not hardware. From February 17, 2027, only Verizon, AT&T, T-Mobile, Frontier, Comcast, Charter, Spectrum Mobile, UScellular, Optimum, Ultra Mobile and Mint Mobile.'
+  - id: indeed
+    match: { merchants: [indeed] }
+    amount: 90
+    period: quarter
+    enroll: true
+    note: 'Bought directly on Indeed.com in the U.S.'
+  - id: dell
+    match: { merchants: [dell] }
+    amount: 150
+    period: calendar_year
+    enroll: true
+    note: "Bought directly from Dell Technologies in the U.S. The extra $1,000 after $5,000 of Dell purchases in a year isn't modeled."
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
@@ -109,7 +147,38 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
     quote: 'Foreign Transaction None Penalty Fees'
+  - rule: hilton
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'each Card Account is only eligible for up to $50 in statement credits per quarter'
+  - rule: hilton
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'must be charged directly with a property within the Hilton portfolio'
+  - rule: clear-plus
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'earn up to $219 in statement credits per calendar year when their Business Platinum Card®'
+  - rule: chatgpt-business
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'Each Card Account is eligible for up to $300 in statement credits per calendar year.'
+  - rule: chatgpt-business
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'Valid only on purchases of ChatGPT Business made directly with OpenAI'
+  - rule: wireless
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'each Card Account is only eligible for up to $10 in statement credits per month'
+  - rule: wireless
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'monthly wireless telephone service charges made directly from a wireless telephone service provider in the United States'
+  - rule: indeed
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'eligible for up to $90 USD in statement credits per quarter'
+  - rule: indeed
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'Valid only on purchases made directly with Indeed.com'
+  - rule: dell
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/business-platinum-charge-card/64281-9-0#offer-terms
+    quote: 'Each Card Account can receive up to $150 in statement credits for eligible purchases with Dell Technologies'
 todo:
   - "Any eligible purchase of $5,000 or more earns 2X (inside the same $2 million yearly cap). earnrate has no rule condition on purchase size, so this isn't modeled."
   - "Software and cloud system providers count toward the electronics category, but earnrate has no software or cloud category, so only electronics stores are modeled. Construction material and hardware suppliers are modeled as earnrate's home improvement category."
   - 'From February 17, 2027, U.S. shipping providers count only when bought directly from UPS, FedEx, USPS, Auctane, DHL, Worldwide Express and Old Dominion Freight Line. Not modeled yet.'
+  - '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-delta-skymiles-gold.yaml

@@ -5,7 +5,7 @@ color: '#c9a24f'
 issuer: amex
 network: amex
 currency: delta-skymiles
-last_verified: 2026-11-03
+last_verified: 2026-11-05
 verified_by: claude
 source_urls:
   - https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/
@@ -17,12 +17,11 @@ first_year_fee: 0
 foreign_transaction_fee: 0
 welcome_offer:
   points: 80000
-  spend: 3000
+  spend: 2000
   months: 6
-  valid_to: 2026-11-04
   varies: true
   not_with: [amex-delta-skymiles-platinum, amex-delta-skymiles-reserve]
-  note: 'The public offer is "as high as" 80,000 bonus miles plus a $250 statement credit, both after the same $3,000 in purchases; Amex shows the exact miles (which may be lower, or no offer) after you apply and before you accept. Amex: "You may not be eligible to receive a welcome offer if you have or have had this Card, the Delta SkyMiles® Platinum American Express Card, the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards." Amex may also decline based on your card history.'
+  note: 'The public offer is "as high as" 80,000 bonus miles; Amex shows the exact miles (which may be lower, or no offer) after you apply and before you accept. Amex: "You may not be eligible for a welcome offer if you have or have had this Card or previous versions of this Card, or if you have or have had the Delta SkyMiles® Platinum American Express Card, the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards." Amex may also decline based on your card history.'
 rules:
   - id: restaurants
     match: { categories: [dining] }
@@ -46,6 +45,19 @@ milestones:
     rewards:
       - $200 Delta Flight Credit
     note: A Delta eCredit for Delta flights bought on delta.com or with Delta Reservations (also the airfare part of a Delta Vacations package), not bag fees, upgrades or other fees. It expires one year after it's issued. Additional Card Members' purchases count; gift cards, prepaid cards and cash equivalents don't.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: delta-stays
+    match: { merchants: [delta-stays] }
+    amount: 100
+    period: calendar_year
+    note: 'A new prepaid hotel or vacation rental booked on Delta Stays (delta.com/stays). Not resort, property or cancellation fees.'
+  - id: rideshare
+    match: { merchants: [uber, lyft, curb, alto] }
+    amount: 10
+    period: month
+    enroll: true
+    note: 'U.S. rides with Uber, Lyft, Curb or Alto. Enrollment opens 12 months after the account opens.'
 evidence:
   - rule: base_rate
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
@@ -103,20 +115,33 @@ evidence:
     quote: 'will be $0 for the first year of Card Membership'
   - rule: welcome_offer
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
-    quote: 'As High As 80,000 Bonus Miles + $250 Statement Credit'
+    quote: 'As High As 80,000 Bonus Miles'
   - rule: welcome_offer
     url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/
-    quote: 'after you spend $3,000 in purchases on your new Card within the first 6 months'
+    quote: 'after you spend $2,000 in purchases on your new Card within the first 6 months'
   - rule: welcome_offer
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
-    quote: 'Offer ends 11/04/2026 at 11:59pm MST.'
+    quote: 'You can earn these bonus miles after you make $2,000 or more'
   - rule: not_with
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
-    quote: 'if you have or have had this Card, the Delta SkyMiles® Platinum American Express Card'
+    quote: 'if you have or have had the Delta SkyMiles® Platinum American Express Card, the Delta SkyMiles® Reserve American Express Card'
   - rule: foreign_transaction_fee
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
     quote: 'Foreign Transaction None Penalty Fees'
+  - rule: delta-stays
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'can earn up to $100 in statement credits per calendar year when a Basic Card'
+  - rule: rideshare
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'Enrolled Basic Card Members can earn up to $10 in statement credits per month each year'
+  - rule: rideshare
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'is available starting 12 months from the date the Card Account is opened'
+  - rule: rideshare
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
+    quote: 'rideshare services: Uber, Lyft, Curb, and Alto'
 todo:
   - The welcome offer's $250 statement credit (same $3,000 spend as the miles) isn't counted, since an offer is either miles or dollars.
   - The welcome offer ends 11/04/2026; re-check the card page for the next one.
-  - Not modeled (statement credits and perks, not miles per dollar) the $100 Delta Stays credit, the $120 rideshare credit (after the first renewal, enrollment required), 20% back on Delta in-flight food and drinks, and TakeOff 15 (15% off Delta award flights).
+  - Not modeled (statement credits and perks, not miles per dollar) 20% back on Delta in-flight food and drinks, and TakeOff 15 (15% off Delta award flights).
+  - '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-delta-skymiles-platinum.yaml

@@ -5,7 +5,7 @@ color: '#a9abae'
 issuer: amex
 network: amex
 currency: delta-skymiles
-last_verified: 2026-11-03
+last_verified: 2026-11-05
 verified_by: claude
 source_urls:
   - https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-platinum-american-express-card/
@@ -16,12 +16,11 @@ annual_fee: 350
 foreign_transaction_fee: 0
 welcome_offer:
   points: 90000
-  spend: 4000
+  spend: 3000
   months: 6
-  valid_to: 2026-11-04
   varies: true
   not_with: [amex-delta-skymiles-reserve]
-  note: 'The public offer is "as high as" 90,000 bonus miles plus a $300 statement credit, both after the same $4,000 in purchases; Amex shows the exact miles (which may be lower, or no offer) after you apply and before you accept. Amex: "You may not be eligible to receive a welcome offer if you have or have had this Card, the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards." Amex may also decline based on your card history.'
+  note: 'The public offer is "as high as" 90,000 bonus miles; Amex shows the exact miles (which may be lower, or no offer) after you apply and before you accept. Amex: "You may not be eligible for a welcome offer if you have or have had this Card or previous versions of this Card or if you have or have had the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards." Amex may also decline based on your card history.'
 rules:
   - id: delta
     match: { merchants: [delta, delta-vacations, delta-stays] }
@@ -42,6 +41,25 @@ rules:
     rate: 2
     geography: us_only
     note: Superstores, convenience stores, warehouse clubs and meal-kit delivery services are not supermarkets.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: resy
+    match: { merchants: [resy] }
+    amount: 10
+    period: month
+    enroll: true
+    note: 'U.S. restaurants that take Resy reservations, and purchases on Resy.com, in the Resy app or through Resy Pay.'
+  - id: rideshare
+    match: { merchants: [uber, lyft, curb, alto] }
+    amount: 10
+    period: month
+    enroll: true
+    note: 'U.S. rides with Uber, Lyft, Curb or Alto.'
+  - id: delta-stays
+    match: { merchants: [delta-stays] }
+    amount: 150
+    period: calendar_year
+    note: 'A new prepaid hotel or vacation rental booked on Delta Stays (delta.com/stays). Not resort, property or cancellation fees.'
 evidence:
   - rule: base_rate
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
@@ -99,22 +117,35 @@ evidence:
     quote: 'Annual Fee $350 Transaction Fees'
   - rule: welcome_offer
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
-    quote: 'As High As 90,000 Bonus Miles + Earn $300 Statement Credit'
+    quote: 'As High As 90,000 Bonus Miles'
   - rule: welcome_offer
     url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-platinum-american-express-card/
-    quote: 'after you spend $4,000 in purchases on your new Card within the first 6 months'
+    quote: 'after you spend $3,000 in purchases on your new Card within the first 6 months'
   - rule: welcome_offer
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
-    quote: 'Offer ends 11/04/2026 at 23:59 MST.'
+    quote: 'You can earn these bonus miles after you make $3,000 or more'
   - rule: not_with
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
-    quote: 'if you have or have had this Card, the Delta SkyMiles® Reserve American Express Card'
+    quote: 'if you have or have had the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards'
   - rule: foreign_transaction_fee
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
     quote: 'Foreign Transaction None Penalty Fees'
+  - rule: resy
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'can earn up to $10 in statement credits each month when the Basic Card'
+  - rule: rideshare
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'Enrolled Basic Card Members can earn up to $10 in statement credits per month each year'
+  - rule: rideshare
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'rideshare services: Uber, Lyft, Curb, and Alto'
+  - rule: delta-stays
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
+    quote: 'can earn up to $150 in statement credits per calendar year when a Basic Card'
 todo:
   - The welcome offer's $300 statement credit (same $4,000 spend as the miles) isn't counted, since an offer is either miles or dollars.
   - The welcome offer ends 11/04/2026; re-check the card page for the next one.
   - MQD Boost ($1 Medallion Qualification Dollar per $20 of purchases each calendar year) can't be expressed, since it's a second per-dollar currency, not miles and not a one-time spend total.
   - Not tied to spending, so not modeled as milestones the $2,500 MQD Headstart each Medallion Qualification Year and the Companion Certificate each year after renewal.
-  - Not modeled (statement credits and perks, not miles per dollar) the $150 Delta Stays credit, the $120 rideshare credit and $120 Resy credit (enrollment required), 20% back on Delta in-flight food and drinks, and TakeOff 15 (15% off Delta award flights).
+  - Not modeled (statement credits and perks, not miles per dollar) 20% back on Delta in-flight food and drinks, and TakeOff 15 (15% off Delta award flights).
+  - '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-delta-skymiles-reserve.yaml

@@ -5,7 +5,7 @@ color: '#2b2d33'
 issuer: amex
 network: amex
 currency: delta-skymiles
-last_verified: 2026-11-03
+last_verified: 2026-11-05
 verified_by: claude
 source_urls:
   - https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-reserve-american-express-card/
@@ -14,11 +14,11 @@ base_rate: 1
 annual_fee: 650
 foreign_transaction_fee: 0
 welcome_offer:
-  points: 50000
-  spend: 10000
+  points: 125000
+  spend: 5000
   months: 6
-  valid_to: 2026-11-04
-  note: 'Plus two Delta Comfort Flight Certificates after the same $10,000 in purchases: each is one round trip from the U.S. to the lower 48, Puerto Rico or the U.S. Virgin Islands, booked at least 21 days ahead, with up to $80 in taxes and fees, flown by January 15, 2028. Amex: "You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card." Amex may also decline based on your card history.'
+  varies: true
+  note: 'The public offer is "as high as" 125,000 bonus miles; Amex shows the exact miles (which may be lower, or no offer) after you apply and before you accept. Amex: "You may not be eligible for a welcome offer if you have or have had this Card or previous versions of this Card." Amex may also decline based on your card history.'
 rules:
   - id: delta
     match: { merchants: [delta, delta-vacations, delta-stays] }
@@ -31,6 +31,25 @@ milestones:
     rewards:
       - Unlimited Delta Sky Club access
     note: Replaces the 15 yearly Visits for the Basic and Additional Reserve Card Members, for the rest of that calendar year, all of the next and through January 31 after it. Usually within a week of reaching the total, up to 12 weeks. Gift cards, prepaid cards and cash equivalents don't count.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: resy
+    match: { merchants: [resy] }
+    amount: 20
+    period: month
+    enroll: true
+    note: 'U.S. restaurants that take Resy reservations, and purchases on Resy.com, in the Resy app or through Resy Pay.'
+  - id: rideshare
+    match: { merchants: [uber, lyft, curb, alto] }
+    amount: 10
+    period: month
+    enroll: true
+    note: 'U.S. rides with Uber, Lyft, Curb or Alto.'
+  - id: delta-stays
+    match: { merchants: [delta-stays] }
+    amount: 200
+    period: calendar_year
+    note: 'A new prepaid hotel or vacation rental booked on Delta Stays (delta.com/stays). Not resort, property or cancellation fees.'
 evidence:
   - rule: base_rate
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
@@ -61,22 +80,35 @@ evidence:
     quote: 'The annual fee for the Delta SkyMiles® Reserve American Express Card is $650.'
   - rule: welcome_offer
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
-    quote: 'Earn 50,000 Bonus Miles + 2 Delta Comfort Flight Certificates'
+    quote: 'As High As 125,000 Bonus Miles'
   - rule: welcome_offer
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
-    quote: 'after you make $10,000 or more (the "Threshold Amount") in eligible purchases'
+    quote: 'You can earn these bonus miles after you make $5,000 or more'
   - rule: welcome_offer
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
     quote: 'within your first 6 months of Card Membership'
   - rule: welcome_offer
-    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
-    quote: 'Offer ends 11/04/2026 at 23:59 MST.'
+    url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-reserve-american-express-card/
+    quote: 'after you spend $5,000 in purchases on your new Card within the first 6 months'
   - rule: foreign_transaction_fee
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
     quote: 'Foreign Transaction None Penalty Fees'
+  - rule: resy
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'can earn up to $20 in statement credits each month when the Basic Card'
+  - rule: rideshare
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'Enrolled Basic Card Members can earn up to $10 in statement credits per month each year'
+  - rule: rideshare
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'rideshare services: Uber, Lyft, Curb, and Alto'
+  - rule: delta-stays
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
+    quote: 'can earn up to $200 in statement credits per calendar year when a Basic Card'
 todo:
   - The welcome offer's two Delta Comfort Flight Certificates aren't valued.
   - The welcome offer ends 11/04/2026; re-check the card page for the next one.
   - MQD Boost ($1 Medallion Qualification Dollar per $10 of purchases each calendar year) can't be expressed, since it's a second per-dollar currency, not miles and not a one-time spend total.
   - Not tied to spending, so not modeled as milestones the $2,500 MQD Headstart each Medallion Qualification Year and the Companion Certificate each year after renewal.
-  - Not modeled (statement credits and perks, not miles per dollar) the $200 Delta Stays credit, the $240 Resy credit and $120 rideshare credit (enrollment required), 15 Sky Club Visits and 4 guest passes a year, Centurion Lounge access, 20% back on Delta in-flight food and drinks, and TakeOff 15 (15% off Delta award flights).
+  - Not modeled (statement credits and perks, not miles per dollar) 15 Sky Club Visits and 4 guest passes a year, Centurion Lounge access, 20% back on Delta in-flight food and drinks, and TakeOff 15 (15% off Delta award flights).
+  - '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-gold.yaml

@@ -59,6 +59,37 @@ rules:
     note: Prepaid Airbnb stays booked through Amex Travel. Add-on fees such as pet or pool fees don't count.
 # Not modeled on purpose: the Venue Collection benefit (10% back at select
 # stadiums and arenas, with enrollment) is a statement credit, not points.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: dunkin
+    match: { merchants: [dunkin] }
+    amount: 7
+    period: month
+    enroll: true
+    note: "At U.S. Dunkin' locations, bought directly: not through a delivery app or caterer, or at a Dunkin' inside an airport or gas station. Not gift cards."
+  - id: uber-cash
+    match: { merchants: [uber, uber-eats] }
+    amount: 10
+    period: month
+    note: 'Uber Cash, added to your Uber account each month once the card is in it. Only on U.S. rides and orders paid with an Amex card; not for a card added through Apple Pay or PayPal.'
+  - id: dining
+    match:
+      {
+        merchants:
+          [grubhub, buffalo-wild-wings, five-guys, cheesecake-factory, wonder],
+      }
+    amount: 10
+    period: month
+    enroll: true
+    note: 'U.S. orders from Grubhub (and Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory and Wonder.'
+  - id: resy
+    match: { merchants: [resy] }
+    amount: 50
+    period: half_year
+    enroll: true
+    note: 'U.S. restaurants that take Resy reservations, and purchases on Resy.com, in the Resy app or through Resy Pay.'
+todo:
+  - '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.'
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
@@ -118,3 +149,24 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0#offer-terms
     quote: 'Foreign Transaction None Penalty Fees'
+  - rule: dunkin
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0#offer-terms
+    quote: 'Enrolled Basic Card Members can earn up to $7 in statement credits per month'
+  - rule: dunkin
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0#offer-terms
+    quote: "Valid at Dunkin' locations in the U.S. that accept American Express® Cards."
+  - rule: dunkin
+    url: https://www.americanexpress.com/us/credit-cards/card/gold-card/
+    quote: "at U.S. Dunkin' locations. Enrollment required."
+  - rule: uber-cash
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0#offer-terms
+    quote: 'are eligible for $10 in Uber Cash each month'
+  - rule: dining
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0#offer-terms
+    quote: 'eligible for up to a $10 statement credit per month'
+  - rule: dining
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0#offer-terms
+    quote: 'Participating partners are Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder.'
+  - rule: resy
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0#offer-terms
+    quote: 'eligible for up to $50 in statement credits from January through June'

package/data/cards/amex-hilton-honors-aspire.yaml

@@ -58,6 +58,18 @@ rules:
         ]
     rate: 7
     note: Bought directly from one of Amex's select major car rental companies, at U.S. or international locations. Not through a third party such as an online travel agency, and not as part of a vacation package.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: flight-credit
+    match: { categories: [travel.flights] }
+    amount: 50
+    period: quarter
+    note: 'Airfare bought directly from an airline or on amextravel.com. Not charter or private flights, or flights in a vacation package.'
+  - id: clear-plus
+    match: { merchants: [clear] }
+    amount: 219
+    period: calendar_year
+    note: 'An annual CLEAR+ membership.'
 evidence:
   - rule: base_rate
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
@@ -122,6 +134,15 @@ evidence:
   - rule: spend-60k
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
     quote: 'totaling $60,000 or more in cumulative purchases in that calendar year.'
+  - rule: flight-credit
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'up to a total of $50 in statement credits each calendar quarter'
+  - rule: flight-credit
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'Eligible purchases are airfare purchases for a scheduled flight on a passenger carrier'
+  - rule: clear-plus
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-aspire-credit-card/25330-10-0#offer-terms
+    quote: 'earn up to $219 in statement credits per calendar year when their Hilton Honors American Express Aspire Card'
 milestones:
   - id: spend-30k
     spend: 30000
@@ -137,6 +158,7 @@ milestones:
     note: Another $30,000 on top of the first, $60,000 in the calendar year in all.
 todo:
   - The Annual Free Night Reward (one each year of Card Membership, no spending needed) isn't modeled.
-  - "Statement credits aren't modeled: the $400 Hilton Resort credit (up to $200 each half year at participating Hilton Resorts), the $200 flight credit (up to $50 each quarter), and the $219 CLEAR+ credit."
+  - The $400 Hilton Resort credit (up to $200 each half year) isn't modeled. It counts only at the participating Hilton Resorts Hilton lists, which earnrate can't tell apart from other Hilton properties.
   - The $100 property credit on two-night Waldorf Astoria and Conrad stays booked through the Aspire card site or phone line is an on-property credit, not modeled.
   - Complimentary Hilton Honors Diamond status and National Car Rental Emerald Club Executive status aren't modeled.
+  - '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-hilton-honors-business.yaml

@@ -38,6 +38,13 @@ milestones:
     rewards:
       - Hilton Honors Diamond status
     note: Basic Card Member only, though Additional Card purchases count. Calendar year regardless of when the account opened. Diamond lasts through the end of the next calendar year.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: hilton
+    match: { merchants: [hilton] }
+    amount: 60
+    period: quarter
+    note: 'Bookings made directly with Hilton, and incidental charges put on the room, at any property in the Hilton portfolio. Not through a travel website.'
 evidence:
   - rule: base_rate
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
@@ -87,7 +94,13 @@ evidence:
   - rule: welcome_offer
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
     quote: 'Offer ends 01/13/2027 at 11:59 PM MST.'
+  - rule: hilton
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'up to a total of $60 in statement credits each calendar quarter'
+  - rule: hilton
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/hilton-honors-american-express-business-credit-card/45094-9-0#offer-terms
+    quote: 'eligible purchases charged directly with a property within the Hilton portfolio'
 todo:
-  - The $240 Hilton credit (up to $60 in statement credits each calendar quarter on purchases made directly with a Hilton property) isn't modeled.
   - Complimentary Hilton Honors Gold status and National Car Rental Emerald Club Executive status (with enrollment) aren't modeled.
   - The welcome offer's Free Night Reward isn't valued; a welcome offer holds only points.
+  - '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-hilton-honors-surpass.yaml

@@ -61,6 +61,13 @@ rules:
     channel: online
     geography: us_only
     note: U.S. merchants selling physical goods, paid on their own website or app. Not restaurants, supermarkets, gas, car dealers, travel, entertainment or services. Online marketplaces with multiple retailers and third-party payment accounts don't count, nor do orders paid in store, in-store mobile wallet, phone or mail orders, or buy-now-pay-later. Amex's rewards-info page names Amazon.com and Walmart.com as online retailers, but these terms also exclude online marketplaces with multiple retailers, so Amazon Marketplace sellers may not earn 4x.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: hilton
+    match: { merchants: [hilton] }
+    amount: 50
+    period: quarter
+    note: 'Bookings made directly with Hilton, and incidental charges put on the room, at any property in the Hilton portfolio. Not through a travel website.'
 evidence:
   - rule: base_rate
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
@@ -134,6 +141,12 @@ evidence:
   - rule: spend-40k
     url: https://www.americanexpress.com/us/credit-cards/card/hilton-honors-surpass/
     quote: 'after you spend $40,000 in eligible purchases on your Card in a calendar year.'
+  - rule: hilton
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'up to a total of $50 in statement credits each calendar quarter'
+  - rule: hilton
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/hilton-honors-surpass-credit-card/25330-10-0#offer-terms
+    quote: 'eligible purchases charged directly with a property within the Hilton portfolio'
 milestones:
   - id: spend-15k
     spend: 15000
@@ -148,6 +161,6 @@ milestones:
       - Hilton Honors Diamond status
     note: Basic Card Member only, though Additional Card purchases count. Calendar year regardless of when the account opened. Diamond lasts through the end of the next calendar year.
 todo:
-  - The $200 Hilton credit (up to $50 in statement credits each calendar quarter on purchases made directly with a Hilton property) isn't modeled.
   - Complimentary Hilton Honors Gold status and National Car Rental Emerald Club Executive status (with enrollment) aren't modeled.
   - The welcome offer's Free Night Reward isn't valued; a welcome offer holds only points.
+  - '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-marriott-bonvoy-brilliant.yaml

@@ -38,6 +38,13 @@ milestones:
     rewards:
       - 'Brilliant Earned Choice Award: pick five Nightly Upgrade Awards, a Free Night Award (up to 85,000 points) or 50,000 Bonvoy points'
     note: One a calendar year, picked at choice-benefit.marriott.com/brilliant by February 1 of the next year, or it defaults to the Nightly Upgrade Awards. Basic Card Member only.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: dining
+    match: { categories: [dining] }
+    amount: 25
+    period: month
+    note: 'Restaurants worldwide. Not bars, nightclubs, cafeterias, caterers, bakeries, gift cards or merchandise.'
 evidence:
   - rule: base_rate
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
@@ -87,7 +94,14 @@ evidence:
   - rule: welcome_offer
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
     quote: 'eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card within your first 6 months of Card Membership'
+  - rule: dining
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: 'can receive up to $25 in statement credits per month, for up to $300 back annually'
+  - rule: dining
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/marriott-bonvoy-brilliant-card/25330-10-0#offer-terms
+    quote: 'for eligible purchases made at restaurants worldwide on the Card Account'
 todo:
   - The Brilliant Earned Choice Award can be 50,000 points, but it's a pick among non-point awards too, so the milestone carries no points value.
-  - The $300 Brilliant Dining Credit (up to $25 a month at restaurants worldwide), the $100 property credit on two-night Ritz-Carlton or St. Regis stays, and the yearly Free Night Award (up to 85,000 points) after each renewal month aren't modeled.
+  - The $100 property credit on two-night Ritz-Carlton or St. Regis stays, and the yearly Free Night Award (up to 85,000 points) after each renewal month aren't modeled.
   - Complimentary Platinum Elite status and 25 Elite Night Credits each year aren't modeled; they don't depend on spending.
+  - '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-marriott-bonvoy-business.yaml

@@ -6,7 +6,7 @@ issuer: amex
 network: amex
 currency: marriott-bonvoy
 business: true
-last_verified: 2026-11-04
+last_verified: 2026-11-05
 verified_by: claude
 source_urls:
   - https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/
@@ -15,11 +15,10 @@ base_rate: 2
 annual_fee: 125
 foreign_transaction_fee: 0
 welcome_offer:
-  points: 100000
-  spend: 8000
+  points: 75000
+  spend: 6000
   months: 6
-  valid_to: 2026-11-04
-  note: 'Plus a Free Night Award (up to 50,000 points), which earnrate does not value. Amex: "You may not be eligible to receive a welcome offer if you have or have had this Card or the Starwood Preferred Guest® Business Credit Card from American Express or previous versions of these Cards," and may also decline based on your card history. Also not available to anyone who had a Marriott business card from Chase in the last 30 days, opened the Marriott Bonvoy Bountiful, Boundless or Bold card from Chase in the last 90 days, or got a new Card Member bonus on one of those Chase cards in the last 24 months.'
+  note: 'Amex: "You may not be eligible to receive a welcome offer if you have or have had this Card or the Starwood Preferred Guest® Business Credit Card from American Express or previous versions of these Cards," and may also decline based on your card history. Also not available to anyone who had a Marriott business card from Chase in the last 30 days, opened the Marriott Bonvoy Bountiful, Boundless or Bold card from Chase in the last 90 days, or got a new Card Member bonus on one of those Chase cards in the last 24 months.'
 rules:
   - id: marriott-hotels
     match: { merchants: [marriott] }
@@ -102,13 +101,13 @@ evidence:
     quote: 'Foreign Transaction None Penalty Fees'
   - rule: welcome_offer
     url: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/
-    quote: 'Earn 100,000 Marriott Bonvoy® Bonus Points and 1 Free Night Award'
+    quote: 'Earn 75,000 Marriott Bonvoy® Bonus Points'
   - rule: welcome_offer
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
-    quote: 'after you spend $8,000 or more (the “Threshold Amount”) in eligible purchases'
+    quote: 'You can earn 75,000 Marriott Bonvoy® bonus points after you complete $6,000 or more'
   - rule: welcome_offer
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms
-    quote: 'Offer ends 11/4/2026 at 11:59 PM MST.'
+    quote: 'within your first 6 months of Card Membership'
 todo:
   - The welcome offer ends 11/04/2026; re-check the card page for the next one.
   - The welcome offer's Free Night Award isn't valued; a welcome offer holds only points.