earnrate 0.2.12 → 0.2.14

package/data/cards/amex-platinum.yaml

@@ -55,6 +55,74 @@ milestones:
       - Centurion Lounge guest access for 2 guests
       - unlimited Delta Sky Club access
     note: 'Purchases by additional card members count. Both last the rest of that calendar year, all of the next and through the January 31 after. Sky Club visits still need a same-day Delta flight.'
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: lululemon
+    match: { merchants: [lululemon] }
+    amount: 75
+    period: quarter
+    enroll: true
+    note: U.S. lululemon stores, lululemon.com and the lululemon app. Not outlets, lululemon Studio, Like New, warehouse or event sales, gift cards, or orders shipped outside the U.S.
+  - id: uber-cash
+    match: { merchants: [uber, uber-eats] }
+    amount: 15
+    period: month
+    note: 'Uber Cash, added to your Uber account each month once the card is in it, plus an extra $20 in December (modeled at $15). Only on U.S. rides and orders paid with an Amex card; not for a card added through Apple Pay or PayPal.'
+  - id: uber-one
+    match: { merchants: [uber-one] }
+    amount: 120
+    period: calendar_year
+    note: 'Uber One membership fees, monthly or annual, charged to the card with Uber Cash turned off for them. Not free trials.'
+  - id: resy
+    match: { merchants: [resy] }
+    amount: 100
+    period: quarter
+    enroll: true
+    note: 'U.S. restaurants that take Resy reservations, and purchases on Resy.com, in the Resy app or through Resy Pay. Not gift cards, delivery or catering.'
+  - id: digital-entertainment
+    match:
+      {
+        merchants:
+          [
+            disney-plus,
+            espn,
+            hulu,
+            new-york-times,
+            paramount-plus,
+            peacock,
+            wall-street-journal,
+            youtube-premium,
+            youtube-tv,
+          ],
+      }
+    amount: 25
+    period: month
+    enroll: true
+    note: "Bought directly from Disney+, ESPN streaming, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium or YouTube TV. Not through a cable bundle or another company's app store."
+  - id: equinox
+    match: { merchants: [equinox] }
+    amount: 300
+    period: calendar_year
+    enroll: true
+    note: 'U.S. Equinox club memberships or an Equinox+ subscription.'
+  - id: oura
+    match: { merchants: [oura] }
+    amount: 200
+    period: calendar_year
+    enroll: true
+    note: 'An Oura Ring bought at ouraring.com and shipped in the U.S. Not Oura memberships, chargers or other add-ons.'
+  - id: walmart-plus
+    match: { merchants: [walmart-plus] }
+    amount: 12.95
+    period: month
+    note: 'One Walmart+ monthly membership fee a month, plus its tax. Not annual memberships or Plus Ups.'
+  - id: clear-plus
+    match: { merchants: [clear] }
+    amount: 219
+    period: calendar_year
+    note: 'An annual CLEAR+ membership.'
+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
@@ -105,3 +173,45 @@ evidence:
   - rule: spend-75k
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
     quote: 'the total eligible purchases on the Eligible Platinum Card Account must equal or exceed $75,000'
+  - rule: lululemon
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'Enrolled Basic Card Members can receive up to $75 in statement credits each quarter'
+  - rule: lululemon
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'Eligible purchases are purchases made directly with lululemon at lululemon stores in the U.S.'
+  - rule: lululemon
+    url: https://www.americanexpress.com/us/credit-cards/card/platinum/
+    quote: 'U.S. lululemon retail stores (excluding outlets) and lululemon.com. Enrollment required.'
+  - rule: uber-cash
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'eligible for $15 Uber Cash each month plus an additional $20 Uber Cash in December'
+  - rule: uber-one
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'eligible to receive up to $120 in statement credits per calendar year on Uber One membership fees'
+  - rule: resy
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'Enrolled Basic Card Members can earn up to $100 in statement credits each quarter'
+  - rule: digital-entertainment
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'Enrolled Basic Card Members can receive up to $25 in statement credits each month on eligible purchases'
+  - rule: digital-entertainment
+    url: https://www.americanexpress.com/us/credit-cards/card/platinum/
+    quote: 'Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock'
+  - rule: digital-entertainment
+    url: https://www.americanexpress.com/us/credit-cards/card/platinum/
+    quote: 'The Wall Street Journal, YouTube Premium, and YouTube TV.'
+  - rule: equinox
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'up to a total of $300 in statement credits each calendar year across all Cards on the Platinum Account'
+  - rule: oura
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'Enrolled Basic Card Members can receive up to $200 in statement credits each calendar year'
+  - rule: oura
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'Oura Ring purchases made online at U.S. website ouraring.com'
+  - rule: walmart-plus
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'statement credit for one Walmart+ monthly membership fee (up to $12.95 plus applicable taxes)'
+  - rule: clear-plus
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
+    quote: 'earn up to $219 in statement credits per calendar year when their Platinum Card®'

package/data/cards/apple-card.yaml

@@ -0,0 +1,76 @@
+id: apple-card
+name: Apple Card
+color: '#e4e4e2'
+# Issued by Goldman Sachs Bank USA, per apple.com on 2026-11-04. Chase is
+# taking over as issuer (announced January 2026, about 24 months); move
+# `issuer` and the sources when Apple's page names Chase.
+issuer: goldman-sachs
+network: mastercard
+currency: cash
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.apple.com/apple-card/
+base_rate: 1
+annual_fee: 0
+foreign_transaction_fee: 0
+rules:
+  - id: apple
+    match: { merchants: [apple-store, apple-tv, apple-music] }
+    rate: 3
+    note: Everything bought from Apple, paid with the card any way, in Apple Stores, on apple.com, in the App Store and for Apple services like Apple Music and Apple TV.
+  - id: apple-pay-merchants
+    match:
+      merchants:
+        [
+          ace-hardware,
+          chargepoint,
+          duane-reade,
+          exxon-mobil,
+          hertz,
+          nike,
+          uber,
+          uber-eats,
+          walgreens,
+        ]
+    rate: 3
+    geography: us_only
+    requires: { payment: apple-pay }
+    note: Where the store offers Apple Pay (not at Walgreens drive-thrus, for one), and only in the U.S. Ace Hardware at participating stores; Exxon and Mobil pumps and their attached convenience stores; Hertz rentals from U.S. corporate locations booked with Hertz. Gift cards and third-party sellers inside these stores don't count.
+  - id: apple-pay
+    match: { any: true }
+    rate: 2
+    requires: { payment: apple-pay }
+    note: Any purchase paid with Apple Card through Apple Pay, in stores, in apps and on websites. The titanium card or the card number earns 1%.
+todo:
+  - Booking.com earns 3% only on stays and rentals booked through Apple's own Booking.com link, prepaid with Apple Pay, so it isn't on the Apple Pay merchant list here.
+  - The rates and fees table is in Goldman Sachs's Customer Agreement, a PDF the source check can't read; the fees are quoted from apple.com instead.
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://www.apple.com/apple-card/
+    quote: 'When you use the card, you’ll get 1% Daily Cash back on every purchase.'
+  - rule: apple
+    url: https://www.apple.com/apple-card/
+    quote: 'Apple Card gives you unlimited 3% Daily Cash back on everything you buy at Apple'
+  - rule: apple-pay-merchants
+    url: https://www.apple.com/apple-card/
+    quote: '3% Daily Cash back when you use your Apple Card with Apple Pay at your favorites like Nike, Uber, Walgreens'
+  - rule: apple-pay-merchants
+    url: https://www.apple.com/apple-card/
+    quote: 'Nike: 3% Daily Cash is available on purchases made in the U.S. using Apple Card with Apple Pay'
+  - rule: apple-pay-merchants
+    url: https://www.apple.com/apple-card/
+    quote: 'Walgreens/Duane Reade: 3% Daily Cash is available in the United States when using Apple Card with Apple Pay'
+  - rule: apple-pay-merchants
+    url: https://www.apple.com/apple-card/
+    quote: 'ChargePoint: 3% Daily Cash is available when using Apple Card with Apple Pay'
+  - rule: apple-pay
+    url: https://www.apple.com/apple-card/
+    quote: 'with every purchase you make using your Apple Card with Apple Pay, you get 2% Daily Cash back'
+  - rule: annual_fee
+    url: https://www.apple.com/apple-card/
+    quote: 'No annual, over-the-limit, foreign-transaction, or late fees.'
+  - rule: foreign_transaction_fee
+    url: https://www.apple.com/apple-card/
+    quote: 'No annual, over-the-limit, foreign-transaction, or late fees.'

package/data/cards/bilt-obsidian.yaml

@@ -56,8 +56,7 @@ rules:
       }
     rate: 2
     note: Booked directly with airlines, hotels, motels, resorts, cruise lines and car rental agencies, by Mastercard merchant code. Travel agencies and transit don't count.
-# Not modeled on purpose: the $100 Bilt Travel Hotel credit and the $200 Bilt
-# Cash welcome bonus.
+# Not modeled on purpose: the $200 Bilt Cash welcome bonus.
 todo:
   - Rent and mortgage paid through Bilt earn 0X-1.25X depending on the cycle's everyday spend as a share of the housing payment (25%/50%/75%/100% tiers give 0.5X/0.75X/1X/1.25X; below 25% a flat 250 points). earnrate has no housing category or spend-ratio rule.
   - The Flexible Bilt Cash option earns 4% Bilt Cash on everyday spend on top of points, but drops the housing multiplier (housing points must be bought with Bilt Cash, $3 per 100 points). Bilt Cash is a second currency; not modeled.
@@ -66,6 +65,14 @@ todo:
   - Walgreens in-store (+1X, and +2X on Walgreens-brand items until December 11, 2026, per the Bilt Rewards Points Earning Terms PDF at bilt.com/terms/earn), Metropolis parking, fitness classes and Bilt Home Delivery add Bilt bonuses not stated on an HTML page; not modeled.
   - The Bilt Card Offer Terms PDF counts bakeries (MCC 5462) in the 3X dining pick, but a choice option can only list categories and earnrate's dining category doesn't include bakeries, so bakery purchases get 1X here.
   - 'Welcome offer not modeled: the page offers $200 in Bilt Cash upon approval with no spend required. Bilt Cash is a second currency (not BILT points or cash), and this file already skips it on purpose.'
+  - "The issuer's terms don't say whether purchases a credit pays for earn rewards. Its credits are modeled as earning the card's rate on the whole purchase, with the credit on top."
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: hotel-credit
+    match: { merchants: [bilt-travel-hotels] }
+    amount: 50
+    period: half_year
+    note: 'Hotel stays of 2 nights or more booked through Bilt Travel: $50 from January through June and $50 from July through December, no rollover.'
 # Program text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
@@ -95,3 +102,6 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.bilt.com/card/obsidian
     quote: 'Enjoy no foreign transaction fees when traveling internationally'
+  - rule: hotel-credit
+    url: https://www.bilt.com/card/obsidian
+    quote: '$100 Bilt Travel Hotel credit distributed as $50 semi-annually (2-night minimum stay at Bilt Travel Portal properties)'

package/data/cards/bilt-palladium.yaml

@@ -34,12 +34,19 @@ rules:
     rate: 4
     requires: { activation: true }
     note: 2X card earn plus 2X Bilt bonus on eligible rides after linking Bilt and Lyft accounts in the Bilt app. Uncapped.
-# Not modeled on purpose: the $400 Bilt Travel Hotel credit, $200 annual Bilt
-# Cash and Priority Pass.
+# Not modeled on purpose: $200 annual Bilt Cash and Priority Pass.
 todo:
   - Rent and mortgage paid through Bilt earn 0.5X-1.25X depending on the cycle's everyday spend as a share of the housing payment (25%/50%/75%/100% give 0.5X/0.75X/1X/1.25X; below 25% a flat 250 points). earnrate has no housing category or spend-ratio rule.
   - Bilt Neighborhood Dining restaurants add a per-restaurant bonus (usually +2-3X, up to 5X total). It varies by restaurant, so it isn't modeled.
   - Point Accelerator (spend $200 Bilt Cash for +1X on the next $5,000, up to five times a year) isn't modeled.
+  - "The issuer's terms don't say whether purchases a credit pays for earn rewards. Its credits are modeled as earning the card's rate on the whole purchase, with the credit on top."
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: hotel-credit
+    match: { merchants: [bilt-travel-hotels] }
+    amount: 200
+    period: half_year
+    note: 'Hotel stays of 2 nights or more booked through Bilt Travel: $200 from January through June and $200 from July through December.'
 evidence:
   - rule: base_rate
     url: https://www.bilt.com/card/palladium
@@ -74,3 +81,6 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.bilt.com/card/palladium
     quote: 'No foreign transaction fees'
+  - rule: hotel-credit
+    url: https://www.bilt.com/card/palladium
+    quote: '$400 Bilt Travel Hotel credit distributed as $200 semi-annually (applicable to 2-night minimum stay'

package/data/cards/caltech-efcu-platinum-mastercard.yaml

@@ -0,0 +1,50 @@
+id: caltech-efcu-platinum-mastercard
+name: Caltech EFCU Platinum Mastercard
+short_name: Caltech EFCU Platinum
+color: '#1c2541'
+# Caltech Employees Federal Credit Union's only credit card. It earns no
+# rewards: none of the credit union's pages about it mentions points or cash
+# back, and its benefits list names none. The Student Platinum Mastercard is
+# the same card for full-time students.
+issuer: caltech-efcu
+network: mastercard
+currency: cash
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.caltechefcu.org/home/products/lending/mastercard
+  - https://www.caltechefcu.org/home/products/lending/mastercard/disclosure
+  - https://www.caltechefcu.org/home/products/lending/mastercard/mastercard_faqs
+  - https://www.caltechefcu.org/home/products/lending/mastercard/student_mastercard
+  - https://www.caltechefcu.org/home/resources/fees
+  - https://www.caltechefcu.org/home/membership/eligibility
+base_rate: 0
+annual_fee: 0
+foreign_transaction_fee: 0
+requires_membership: caltech-efcu
+evidence:
+  - rule: base_rate
+    url: https://www.caltechefcu.org/home/products/lending/mastercard
+    quote: 'Cardholder Benefits Manage your account online Easy payment methods Mastercard ATM access'
+  - rule: annual_fee
+    url: https://www.caltechefcu.org/home/products/lending/mastercard/disclosure
+    quote: 'Annual Fee NONE'
+  - rule: annual_fee
+    url: https://www.caltechefcu.org/home/products/lending/mastercard
+    quote: 'No annual fee'
+  - rule: foreign_transaction_fee
+    url: https://www.caltechefcu.org/home/products/lending/mastercard/disclosure
+    quote: 'Foreign Transaction NONE'
+  - rule: foreign_transaction_fee
+    url: https://www.caltechefcu.org/home/products/lending/mastercard
+    quote: 'No foreign transaction fee'
+  - rule: requires_membership
+    url: https://www.caltechefcu.org/home/products/lending/mastercard
+    quote: 'Log in to eBranch and select ‘Apply for a Loan’ to get started.'
+  - rule: requires_membership
+    url: https://www.caltechefcu.org/home/membership/eligibility
+    quote: 'serves an exclusive field of membership'
+todo:
+  - "Membership is by eligibility, not a yearly fee: Caltech, JPL and affiliate employees, Caltech students and alumni association members, and their immediate family, with a $5 minimum deposit and a one-time $5 membership fee. No Caltech EFCU page says in so many words that the card needs membership; the card page sends applicants to eBranch, the members' online banking."
+  - "caltechefcu.org sits behind Cloudflare and refuses plain curl, so the source check may list its pages as unreachable. The membership eligibility page's quote was read 2026-11-04 with an ordinary web fetch, not machine-checked."
+  - "For California borrowers the disclosure says the card is secured by goods bought with it and by shares held at the credit union. That doesn't change what it earns."

package/data/cards/capital-one-rei-co-op-mastercard.yaml

@@ -0,0 +1,62 @@
+id: capital-one-rei-co-op-mastercard
+name: REI Co-op Mastercard
+color: '#2d5a45'
+issuer: capital-one
+# The FAQ says cardmembers get World Elite Mastercard benefits.
+network: mastercard
+currency: rei-rewards
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.capitalone.com/credit-cards/rei/
+# Units are cents of REI Co-op Mastercard Rewards per dollar, so 5 is 5%.
+base_rate: 1.5
+annual_fee: 0
+foreign_transaction_fee: 0
+# REI's membership fee isn't on file (see todo).
+requires_membership: rei-co-op
+welcome_offer:
+  dollars: 100
+  spend: 0
+  months: 2
+  note: A $100 REI gift card, not cash back, after the first purchase outside REI within 60 days of account opening (modeled as 2 months; any non-REI purchase qualifies, so spend 0). Existing or previous REI Co-op Mastercard cardmembers aren't eligible.
+rules:
+  - id: rei
+    match: { merchants: [rei] }
+    rate: 5
+    note: REI stores and REI.com, including full-price and discounted items, REI gift cards, paid REI classes and events, services and fees, and donations to the REI Cooperative Action Fund. On top of the co-op's own yearly member reward (typically 10% of eligible full-price REI purchases, however you pay), which earnrate doesn't count.
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://www.capitalone.com/credit-cards/rei/
+    quote: 'You will earn 1.5% in REI Co-op Mastercard Rewards on all other purchases made outside of REI.'
+  - rule: rei
+    url: https://www.capitalone.com/credit-cards/rei/
+    quote: 'net purchases (purchases minus any credits or returns) made at REI retail locations or REI.com'
+  - rule: rei
+    url: https://www.capitalone.com/credit-cards/rei/
+    quote: 'Purchases include full-price and discount-price items, REI gift cards, paid REI classes and events, services and fees.'
+  - rule: rei
+    url: https://www.capitalone.com/credit-cards/rei/
+    quote: 'on top of your annual 10% Co-op Member Reward'
+  - rule: annual_fee
+    url: https://www.capitalone.com/credit-cards/rei/
+    quote: 'There is no annual fee associated with this card.'
+  - rule: foreign_transaction_fee
+    url: https://www.capitalone.com/credit-cards/rei/
+    quote: 'No foreign transaction fees Avoid additional charges or fees while abroad or with foreign currency.'
+  - rule: requires_membership
+    url: https://www.capitalone.com/credit-cards/rei/
+    quote: 'Choose outside every day with the REI Co-op® Mastercard®—just for REI Co-op members.'
+  - rule: welcome_offer
+    url: https://www.capitalone.com/credit-cards/rei/
+    quote: 'Earn a $100 REI gift card after your first non-REI purchase outside of REI within 60 days from account opening.'
+  - rule: welcome_offer
+    url: https://www.capitalone.com/credit-cards/rei/
+    quote: 'Existing or previous REI Co-op Mastercard cardmembers will not be eligible for this one-time gift card.'
+todo:
+  - 'The foreign transaction fee and annual fee are quoted from the card page''s benefit tiles and FAQ. The page''s "View important rates and disclosures" link opens a modal that needs JavaScript, so its disclosures.capitalone.com address isn''t known; add it to source_urls and quote its fee rows once read in a browser.'
+  - "Requires an REI Co-op membership (Capital One validates it before the application). No readable page states the membership's price (rei.com refuses plain fetches, and Capital One's page doesn't say), so the rei-co-op membership has annual_fee 0 as a placeholder and nothing is counted against the card for it. Check the price and whether it's one-time or yearly on rei.com/membership by hand."
+  - "Rewards are spendable only at REI (REI.com, REI Outlet, REI stores and the REI app), not as cash or check; they post 1-2 business days after the purchase posts and don't expire for the life of the account."
+  - "Cardmember Double Rewards event: once a year, an extra 5% (10% total) on REI purchases. Capital One doesn't publish the dates, so it isn't modeled; add it as a dated rule (valid_from/valid_to) when the event is announced."
+  - 'The welcome offer counts only a purchase outside REI; earnrate counts any purchase toward it.'

package/data/cards/capital-one-venture-x-business.yaml

@@ -48,6 +48,23 @@ rules:
     match: { merchants: [capital-one-entertainment] }
     rate: 5
     note: Tickets bought on the Capital One Entertainment ticketing platform only. Cardholder-exclusive pre-sales and tickets bought directly from Capital One Hall or Capital One Arena are excluded.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: capital-one-business-travel
+    match:
+      {
+        merchants:
+          [
+            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,
+          ],
+      }
+    amount: 300
+    period: cardmember_year
+    note: 'A credit in Capital One Business Travel, used at checkout and good until the next account anniversary. The part it pays for earns no miles.'
 evidence:
   - rule: base_rate
     url: https://www.capitalone.com/small-business/credit-cards/venture-x-business/
@@ -91,7 +108,17 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.capitalone.com/small-business/credit-cards/venture-x-business/
     quote: 'Pay zero foreign transaction fees on purchases made outside of the United States'
+  - rule: capital-one-business-travel
+    url: https://disclosures.capitalone.com/disclosure.42243.en-US.html
+    quote: 'will receive a $300 Capital One Business Travel credit'
+  - rule: capital-one-business-travel
+    url: https://disclosures.capitalone.com/disclosure.42243.en-US.html
+    quote: 'Each annual Credit will expire on the next account open date anniversary.'
+  - rule: capital-one-business-travel
+    url: https://disclosures.capitalone.com/disclosure.42243.en-US.html
+    quote: 'Rewards will not be earned on the Credit.'
 todo:
   - "The welcome offer's second tier (another 150,000 miles and a $1,000 Capital One Business Travel credit after $120,000 in the first 4 months) isn't modeled: a welcome offer has one spend threshold."
-  - Not modeled (credits and perks, not miles per dollar) the $300 annual Capital One Business Travel credit, the 10,000-mile anniversary bonus, the $120 Global Entry/TSA PreCheck credit and lounge access.
+  - Not modeled (credits and perks, not miles per dollar) the 10,000-mile anniversary bonus, the $120 Global Entry/TSA PreCheck credit and lounge access.
   - The rates disclosure lists no foreign transaction fee in its fee table; the 0 comes from the card page's "Pay zero foreign transaction fees".
+  - "Capital One's terms say rewards aren't earned on the part of a purchase the travel credit pays for, but earnrate counts the card's rate on the whole purchase with the credit on top (an engine gap)."

package/data/cards/capital-one-venture-x.yaml

@@ -38,10 +38,29 @@ rules:
     match: { merchants: [capital-one-entertainment] }
     rate: 5
     note: Tickets bought on the Capital One Entertainment ticketing platform only. Cardholder-exclusive pre-sales and tickets bought directly from Capital One Hall or Capital One Arena are excluded.
-# Not modeled on purpose: the $300 annual Capital One Travel credit, the
-# 10,000-mile anniversary bonus and the $120 Global Entry/TSA PreCheck credit.
+# Not modeled on purpose: the 10,000-mile anniversary bonus and the $120
+# Global Entry/TSA PreCheck credit.
 todo:
   - Neither the card page nor the rewards FAQ says whether Premier Collection and Lifestyle Collection hotel bookings earn the 10X Capital One Travel rate. Modeled as regular Capital One Travel hotels.
+  - "Capital One's terms say rewards aren't earned on the part of a purchase the travel credit pays for, but earnrate counts the card's rate on the whole purchase with the credit on top (an engine gap)."
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: capital-one-travel
+    match:
+      {
+        merchants:
+          [
+            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,
+          ],
+      }
+    amount: 300
+    period: cardmember_year
+    note: 'A credit in Capital One Travel, used at checkout and good until the next account anniversary. The part it pays for earns no miles.'
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
@@ -77,3 +96,12 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.capitalone.com/credit-cards/venture-x/
     quote: 'No Foreign Transaction Fees'
+  - rule: capital-one-travel
+    url: https://disclosures.capitalone.com/disclosure.42201.en-US.html
+    quote: 'will receive a $300 Capital One Travel credit'
+  - rule: capital-one-travel
+    url: https://disclosures.capitalone.com/disclosure.42201.en-US.html
+    quote: 'Each annual Credit will expire on the next account open date anniversary.'
+  - rule: capital-one-travel
+    url: https://disclosures.capitalone.com/disclosure.42201.en-US.html
+    quote: 'Rewards will not be earned on the Credit.'

package/data/cards/chase-aeroplan.yaml

@@ -78,6 +78,14 @@ milestones:
     note: 'For the primary cardmember, for the rest of that calendar year and all of the next.'
 todo:
   - 'Through December 31, 2026, the cardmember page creditcards.chase.com/aircanada lists 500 bonus points for each $2,000 spent per calendar month, up to 1,500 a month (+0.25x on the first $6,000). It is not on the product page, and the engine picks one rule rather than stacking, so it is not modeled.'
+  - "The issuer's terms don't say whether purchases a credit pays for earn rewards. Its credits are modeled as earning the card's rate on the whole purchase, with the credit on top."
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: air-canada-credit
+    match: { merchants: [air-canada] }
+    amount: 50
+    period: half_year
+    note: 'Air Canada purchases, applied automatically: up to $50 from January through June and $50 from July through December.'
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
@@ -146,3 +154,9 @@ evidence:
   - rule: spend-75k
     url: https://creditcards.chase.com/travel-credit-cards/aircanada/aeroplan
     quote: 'Each calendar year you spend at least $75,000 in purchases on your Chase Air Canada Aeroplan Card account'
+  - rule: air-canada-credit
+    url: https://creditcards.chase.com/travel-credit-cards/aircanada/aeroplan
+    quote: 'up to a maximum accumulation of $50 in statement credits from January 1 through June 30'
+  - rule: air-canada-credit
+    url: https://creditcards.chase.com/travel-credit-cards/aircanada/aeroplan
+    quote: 'for qualifying Air Canada purchases made using your Chase Air Canada Aeroplan credit card'

package/data/cards/chase-ihg-one-rewards-business.yaml

@@ -56,6 +56,19 @@ milestones:
     rewards:
       - a free night at IHG hotels (up to 50,000 points)
     note: 'Use it within 12 months.'
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: instacart
+    match: { merchants: [instacart] }
+    amount: 10
+    period: month
+    enroll: true
+    note: "Instacart credits, which need an active Instacart+ membership: activate Chase's complimentary one with the card. Through December 31, 2027."
+  - id: expensify
+    match: { merchants: [expensify] }
+    amount: 100
+    period: calendar_year
+    note: 'Bought directly from Expensify on expensify.com or in its app, applied automatically.'
 evidence:
   - rule: base_rate
     url: https://creditcards.chase.com/business-credit-cards/IHG/business
@@ -117,6 +130,19 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65355.html
     quote: 'Foreign Transactions None Penalty Fees'
+  - rule: instacart
+    url: https://creditcards.chase.com/business-credit-cards/IHG/business
+    quote: 'Receive a $10 Instacart credit monthly for purchases made directly through Instacart'
+  - rule: instacart
+    url: https://creditcards.chase.com/business-credit-cards/IHG/business
+    quote: 'Active Instacart+ membership is required to receive your $10 monthly credit.'
+  - rule: expensify
+    url: https://creditcards.chase.com/business-credit-cards/IHG/business
+    quote: 'up to a maximum accumulation of $100 in a calendar year'
+  - rule: expensify
+    url: https://creditcards.chase.com/business-credit-cards/IHG/business
+    quote: 'purchases made directly with Expensify through expensify.com and the Expensify app'
 todo:
   - "Starting January 1, 2027, $50,000 of purchases in a calendar year earns Diamond Elite status. It isn't listed as a milestone yet, because a milestone has no start date."
-  - The $100 airline statement credit and the up to $100 yearly Expensify credit aren't modeled.
+  - The $100 airline statement credit (after $250 on flights bought directly each calendar year) isn't modeled.
+  - "The issuer's terms don't say whether purchases a credit pays for earn rewards. Its credits are modeled as earning the card's rate on the whole purchase, with the credit on top."

package/data/cards/chase-ihg-one-rewards-premier-select.yaml

@@ -48,6 +48,16 @@ milestones:
     rewards:
       - a free night at IHG hotels (up to 60,000 points)
     note: 'A second free night on top of the Anniversary Free Night; use it within 12 months.'
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: instacart
+    match: { merchants: [instacart] }
+    amount: 10
+    period: month
+    enroll: true
+    note: "Instacart credits, which need an active Instacart+ membership: activate Chase's complimentary one with the card. Through December 31, 2027."
+todo:
+  - "The issuer's terms don't say whether purchases a credit pays for earn rewards. Its credits are modeled as earning the card's rate on the whole purchase, with the credit on top."
 evidence:
   - rule: base_rate
     url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier-select
@@ -91,3 +101,9 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65336.html
     quote: 'Foreign Transactions None Penalty Fees'
+  - rule: instacart
+    url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier-select
+    quote: 'Receive a $10 Instacart credit monthly for purchases made directly through Instacart'
+  - rule: instacart
+    url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier-select
+    quote: 'Active Instacart+ membership is required to receive your $10 monthly credit.'

package/data/cards/chase-ihg-one-rewards-premier.yaml

@@ -52,6 +52,14 @@ milestones:
     rewards:
       - Diamond Elite status
     note: Status lasts through the end of the next calendar year.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: instacart
+    match: { merchants: [instacart] }
+    amount: 10
+    period: month
+    enroll: true
+    note: "Instacart credits, which need an active Instacart+ membership: activate Chase's complimentary one with the card. Through December 31, 2027."
 evidence:
   - rule: base_rate
     url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier
@@ -110,5 +118,12 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65294.html
     quote: 'Foreign Transactions None Penalty Fees'
+  - rule: instacart
+    url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier
+    quote: 'Receive a $10 Instacart credit monthly for purchases made directly through Instacart'
+  - rule: instacart
+    url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier
+    quote: 'Active Instacart+ membership is required to receive your $10 monthly credit.'
 todo:
   - The $100 airline statement credit (after $250 on flights bought directly each calendar year, through 12/31/27) isn't modeled.
+  - "The issuer's terms don't say whether purchases a credit pays for earn rewards. Its credits are modeled as earning the card's rate on the whole purchase, with the credit on top."

package/data/cards/chase-ink-business-cash.yaml

@@ -63,6 +63,16 @@ rules:
     rate: 5
     valid_to: 2027-09-30
     note: Limited-time offer, for Lyft products bought in the Lyft app (rides, bikes and scooters, memberships). Not gift cards or car rentals.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: instacart
+    match: { merchants: [instacart] }
+    amount: 20
+    period: month
+    enroll: true
+    note: "Instacart credits in an Instacart Business account, which need an active Instacart+ membership: activate Chase's complimentary one with the card. Through December 31, 2027."
+todo:
+  - "The issuer's terms don't say whether purchases a credit pays for earn rewards. Its credits are modeled as earning the card's rate on the whole purchase, with the credit on top."
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
@@ -104,3 +114,6 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC63827.html
     quote: 'Foreign Transactions 3% of the amount of each transaction in U.S. dollars'
+  - rule: instacart
+    url: https://creditcards.chase.com/business-credit-cards/ink/cash
+    quote: 'Instacart+ members get a $20 Instacart credit each month automatically loaded into their Instacart Business Account'

package/data/cards/chase-ink-business-unlimited.yaml

@@ -36,8 +36,16 @@ rules:
     rate: 5
     valid_to: 2027-09-30
     note: Limited-time offer, a total of 5% on Lyft rides through September 30, 2027.
-# Not modeled: the complimentary three-month Instacart+ membership and its
-# monthly Instacart credit, which are benefits rather than earning rates.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: instacart
+    match: { merchants: [instacart] }
+    amount: 20
+    period: month
+    enroll: true
+    note: "Instacart credits in an Instacart Business account, which need an active Instacart+ membership: activate Chase's complimentary one with the card. Through December 31, 2027."
+todo:
+  - "The issuer's terms don't say whether purchases a credit pays for earn rewards. Its credits are modeled as earning the card's rate on the whole purchase, with the credit on top."
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
@@ -67,3 +75,6 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC63749.html
     quote: 'Foreign Transactions 3% of the amount of each transaction in U.S. dollars'
+  - rule: instacart
+    url: https://creditcards.chase.com/business-credit-cards/ink/unlimited
+    quote: 'Instacart+ members get a $20 Instacart credit each month automatically loaded into their Instacart Business Account'