earnrate 0.2.12 → 0.2.14

package/data/cards/chase-sapphire-preferred.yaml

@@ -83,6 +83,13 @@ rules:
     match: { categories: [transit] }
     rate: 2
     note: Chase's travel category includes passenger trains, buses, taxis, ferries, tolls and parking. Rideshare codes as a taxi.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: chase-travel-hotels
+    match: { merchants: [chase-travel] }
+    amount: 100
+    period: cardmember_year
+    note: 'Hotel stays bought through Chase Travel only, applied automatically.'
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
@@ -145,5 +152,9 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65222.html
     quote: 'Foreign Transactions None Penalty Fees'
+  - rule: chase-travel-hotels
+    url: https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred
+    quote: 'Earn up to $100 in statement credits each account anniversary year for hotel stays purchased through Chase Travel'
 todo:
   - "peloton: the $5,000 limit runs across the whole offer (4/1/2025 to 12/31/2027), which no cap period can express, and the $150 minimum per purchase 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-sapphire-reserve.yaml

@@ -18,10 +18,10 @@ welcome_offer:
   spend: 6000
   months: 3
   note: 'Chase: "This credit card is unavailable to you if you currently have this card open. The new cardmember bonus may not be available to you if you previously held this card or received a new cardmember bonus for this card." Chase may also weigh how many cards you''ve opened and closed.'
-# Not modeled on purpose: the $300 travel credit, The Edit credit, dining,
-# StubHub, Lyft and Peloton statement credits, and the $75,000-spend benefits.
-# They're credits or perks, not earn rates. Purchases covered by the travel
-# credit or The Edit credit earn no points.
+# Not modeled: The Edit credit (per booking), the Exclusive Tables dining
+# credit (restaurants in an OpenTable program), DoorDash promos and the
+# $75,000-spend benefits. Purchases covered by the travel credit or The Edit
+# credit earn no points.
 rules:
   - id: chase-travel
     match: { merchants: [chase-travel] }
@@ -58,6 +58,30 @@ milestones:
       - up to $500 in Southwest credits on Chase Travel
       - up to $250 in credits at The Shops at Chase
     note: 'For the primary cardmember. Each lasts the rest of that calendar year and all of the next (Explorist through the following February). A-List needs your Rapid Rewards number linked on Chase.com.'
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: travel
+    match: { categories: [travel] }
+    amount: 300
+    period: cardmember_year
+    note: "Anything in Chase's travel category, applied automatically; earnrate matches its travel purchases, not the trains, buses, taxis, tolls and parking Chase also counts. The purchases it covers earn no points. The year runs from the account anniversary (Chase counts to the first statement after it)."
+  - id: stubhub
+    match: { merchants: [stubhub, viagogo] }
+    amount: 150
+    period: half_year
+    enroll: true
+    note: 'StubHub and viagogo, through December 31, 2027. Activate once on chase.com.'
+  - id: lyft-credit
+    match: { merchants: [lyft] }
+    amount: 10
+    period: month
+    note: 'A $10 Lyft credit in the app each month, through September 30, 2027, once the card is added to Lyft. Rides only, not memberships, fees, tips or taxes.'
+  - id: peloton-credit
+    match: { merchants: [peloton-membership] }
+    amount: 10
+    period: month
+    enroll: true
+    note: 'Peloton memberships (All-Access, Rental, App+, Guide, App One, Strength+), through December 31, 2027. Activate once on chase.com.'
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
@@ -126,5 +150,21 @@ evidence:
   - rule: spend-75k
     url: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
     quote: '$75,000 Spend Benefit – $250 Credit for The Shops at Chase'
+  - rule: travel
+    url: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
+    quote: 'A statement credit will be automatically applied to your account for purchases made in the travel category'
+  - rule: travel
+    url: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
+    quote: 'any purchases that qualify for the $300 Annual Travel Credit'
+  - rule: stubhub
+    url: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
+    quote: 'with StubHub and viagogo up to a maximum accumulation of $150 in statement credits'
+  - rule: lyft-credit
+    url: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
+    quote: 'will receive a $10 Lyft credit each calendar month through 9/30/2027'
+  - rule: peloton-credit
+    url: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
+    quote: 'qualifying Peloton Membership purchases up to a monthly maximum of $10'
 todo:
   - "peloton: the $5,000 limit runs across the whole offer (4/1/2025 to 12/31/2027), which no cap period can express, and the $150 minimum per purchase isn't modeled."
+  - "Chase's terms say purchases the $300 travel credit covers earn no points, but earnrate counts the card's rate on the whole purchase with the credit on top (an engine gap). For its other credits the terms don't say, and they're modeled the same way."

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

@@ -49,6 +49,26 @@ milestones:
     note: 'For the primary cardmember, on tickets bought with the card. Chase says to allow 6-8 weeks for them to post; use them within 12 months.'
 todo:
   - United Card Events from Chase also earn 2x; no merchant exists for them, so they aren't modeled.
+  - "The issuer's terms don't say whether purchases a credit pays for earn rewards. Its credits are modeled as earning the card's rate on the whole purchase, with the credit on top."
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: instacart
+    match: { merchants: [instacart] }
+    amount: 10
+    period: month
+    enroll: true
+    note: "Instacart credits, which need an active Instacart+ membership: activate Chase's complimentary one with the card. Through December 31, 2027."
+  - id: rideshare
+    match: { categories: [transit.rideshare] }
+    amount: 8
+    period: month
+    enroll: true
+    note: 'Rideshare rides. Opt in each year. December allows $12 (modeled at $8).'
+  - id: jsx
+    match: { merchants: [jsx] }
+    amount: 100
+    period: cardmember_year
+    note: 'Flights booked directly with JSX.'
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: annual_fee
@@ -99,3 +119,15 @@ evidence:
   - rule: spend-25k
     url: https://creditcards.chase.com/business-credit-cards/united/united-business-card
     quote: 'Earn 2 continental U.S. Economy Plus® seat upgrades after spending $25,000 each calendar year.'
+  - rule: instacart
+    url: https://creditcards.chase.com/business-credit-cards/united/united-business-card
+    quote: 'you can receive one $10 credit in your Instacart account each month'
+  - rule: rideshare
+    url: https://creditcards.chase.com/business-credit-cards/united/united-business-card
+    quote: 'up to $8 back as a statement credit each month from January through November'
+  - rule: rideshare
+    url: https://creditcards.chase.com/business-credit-cards/united/united-business-card
+    quote: 'Yearly opt-in is required.'
+  - rule: jsx
+    url: https://creditcards.chase.com/business-credit-cards/united/united-business-card
+    quote: 'Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX'

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

@@ -42,6 +42,31 @@ milestones:
     note: 'Premier Gold status unlocks it too. It lasts the rest of that calendar year and all of the next.'
 todo:
   - United Card Events from Chase also earn 2x; no merchant exists for them, so they aren't modeled.
+  - "The issuer's terms don't say whether purchases a credit pays for earn rewards. Its credits are modeled as earning the card's rate on the whole purchase, with the credit on top."
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: instacart
+    match: { merchants: [instacart] }
+    amount: 20
+    period: month
+    enroll: true
+    note: "Instacart credits, which need an active Instacart+ membership: activate Chase's complimentary one with the card. Through December 31, 2027. Each credit applies to one order."
+  - id: rideshare
+    match: { categories: [transit.rideshare] }
+    amount: 12
+    period: month
+    enroll: true
+    note: 'Rideshare rides. Opt in each year. December allows $18 (modeled at $12).'
+  - id: jsx
+    match: { merchants: [jsx] }
+    amount: 200
+    period: cardmember_year
+    note: 'Flights booked directly with JSX.'
+  - id: renowned-hotels-credit
+    match: { merchants: [renowned-hotels-chase-travel] }
+    amount: 200
+    period: cardmember_year
+    note: 'Hotel stays prepaid through Renowned Hotels and Resorts for United cardmembers.'
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: annual_fee
@@ -77,3 +102,18 @@ evidence:
   - rule: spend-50k
     url: https://creditcards.chase.com/business-credit-cards/united/united-club-business
     quote: 'Receive United Club All Access Membership after spending $50,000 in a calendar year'
+  - rule: instacart
+    url: https://creditcards.chase.com/business-credit-cards/united/united-club-business
+    quote: 'you can receive two (2) $10 credits in your Instacart account each month'
+  - rule: rideshare
+    url: https://creditcards.chase.com/business-credit-cards/united/united-club-business
+    quote: 'up to $12 back as a statement credit each month from January through November'
+  - rule: rideshare
+    url: https://creditcards.chase.com/business-credit-cards/united/united-club-business
+    quote: 'Yearly opt-in is required.'
+  - rule: jsx
+    url: https://creditcards.chase.com/business-credit-cards/united/united-club-business
+    quote: 'Get up to $200 back as a statement credit each anniversary year when you book flights directly with JSX'
+  - rule: renowned-hotels-credit
+    url: https://creditcards.chase.com/business-credit-cards/united/united-club-business
+    quote: 'Receive up to $200 back in statement credits each anniversary year on hotel accommodations'

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

@@ -60,6 +60,31 @@ milestones:
     note: 'Premier Gold status unlocks it too. It lasts the rest of that calendar year and all of the next.'
 todo:
   - United Card Events from Chase also earn 5x; no merchant exists for them, so they aren't modeled.
+  - "The issuer's terms don't say whether purchases a credit pays for earn rewards. Its credits are modeled as earning the card's rate on the whole purchase, with the credit on top."
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: instacart
+    match: { merchants: [instacart] }
+    amount: 20
+    period: month
+    enroll: true
+    note: "Instacart credits, which need an active Instacart+ membership: activate Chase's complimentary one with the card. Through December 31, 2027. Each credit applies to one order."
+  - id: rideshare
+    match: { categories: [transit.rideshare] }
+    amount: 12
+    period: month
+    enroll: true
+    note: 'Rideshare rides. Opt in each year. December allows $18 (modeled at $12).'
+  - id: jsx
+    match: { merchants: [jsx] }
+    amount: 200
+    period: cardmember_year
+    note: 'Flights booked directly with JSX.'
+  - id: renowned-hotels-credit
+    match: { merchants: [renowned-hotels-chase-travel] }
+    amount: 200
+    period: cardmember_year
+    note: 'Hotel stays prepaid through Renowned Hotels and Resorts for United cardmembers.'
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: annual_fee
@@ -122,3 +147,18 @@ evidence:
   - rule: spend-50k
     url: https://creditcards.chase.com/travel-credit-cards/united/united-club
     quote: 'Receive United Club All Access Membership after spending $50,000 in a calendar year'
+  - rule: instacart
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-club
+    quote: 'you can receive two (2) $10 credits in your Instacart account each month'
+  - rule: rideshare
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-club
+    quote: 'up to $12 back as a statement credit each month from January through November'
+  - rule: rideshare
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-club
+    quote: 'Yearly opt-in is required.'
+  - rule: jsx
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-club
+    quote: 'Get up to $200 back as a statement credit each anniversary year when you book flights directly with JSX'
+  - rule: renowned-hotels-credit
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-club
+    quote: 'Receive up to $200 back in statement credits each anniversary year on hotel accommodations'

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

@@ -47,6 +47,26 @@ milestones:
     note: "One a calendar year. It posts to MileagePlus within 6-8 weeks and expires 12 months after it's issued."
 todo:
   - United Card Events from Chase also earn 3x; no merchant exists for them, so they aren't modeled.
+  - "The issuer's terms don't say whether purchases a credit pays for earn rewards. Its credits are modeled as earning the card's rate on the whole purchase, with the credit on top."
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: instacart
+    match: { merchants: [instacart] }
+    amount: 10
+    period: month
+    enroll: true
+    note: "Instacart credits, which need an active Instacart+ membership: activate Chase's complimentary one with the card. Through December 31, 2027."
+  - id: rideshare
+    match: { categories: [transit.rideshare] }
+    amount: 5
+    period: month
+    enroll: true
+    note: 'Rideshare rides. Opt in each year.'
+  - id: jsx
+    match: { merchants: [jsx] }
+    amount: 100
+    period: cardmember_year
+    note: 'Flights booked directly with JSX.'
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: annual_fee
@@ -94,3 +114,15 @@ evidence:
   - rule: spend-20k
     url: https://creditcards.chase.com/travel-credit-cards/united/united-explorer
     quote: 'Earn a 10,000-mile award flight discount after spending $20,000 each calendar year'
+  - rule: instacart
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-explorer
+    quote: 'you can receive one $10 credit in your Instacart account each month'
+  - rule: rideshare
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-explorer
+    quote: 'receive up to $5 back as a statement credit each month on rideshare purchases'
+  - rule: rideshare
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-explorer
+    quote: 'Yearly opt-in is required.'
+  - rule: jsx
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-explorer
+    quote: 'Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX'

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

@@ -81,6 +81,31 @@ milestones:
     note: 'For the primary cardmember, on tickets bought with the card. Chase says to allow 6-8 weeks for them to post; use them within 12 months.'
 todo:
   - United Card Events from Chase also earn 4x; no merchant exists for them, so they aren't modeled.
+  - "The issuer's terms don't say whether purchases a credit pays for earn rewards. Its credits are modeled as earning the card's rate on the whole purchase, with the credit on top."
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: instacart
+    match: { merchants: [instacart] }
+    amount: 15
+    period: month
+    enroll: true
+    note: "Instacart credits, which need an active Instacart+ membership: activate Chase's complimentary one with the card. Through December 31, 2027. Each credit applies to one order."
+  - id: rideshare
+    match: { categories: [transit.rideshare] }
+    amount: 8
+    period: month
+    enroll: true
+    note: 'Rideshare rides. Opt in each year. December allows $12 (modeled at $8).'
+  - id: jsx
+    match: { merchants: [jsx] }
+    amount: 150
+    period: cardmember_year
+    note: 'Flights booked directly with JSX.'
+  - id: renowned-hotels-credit
+    match: { merchants: [renowned-hotels-chase-travel] }
+    amount: 150
+    period: cardmember_year
+    note: 'Hotel stays prepaid through Renowned Hotels and Resorts for United cardmembers.'
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: annual_fee
@@ -140,3 +165,18 @@ evidence:
   - rule: spend-40k
     url: https://creditcards.chase.com/travel-credit-cards/united/united-quest
     quote: 'Earn 2 global Economy Plus® seat upgrades after spending $40,000 each calendar year.'
+  - rule: instacart
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-quest
+    quote: 'you can receive one $10 credit and one $5 credit in your Instacart account each month'
+  - rule: rideshare
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-quest
+    quote: 'up to $8 back as a statement credit each month from January through November'
+  - rule: rideshare
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-quest
+    quote: 'Yearly opt-in is required.'
+  - rule: jsx
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-quest
+    quote: 'Get up to $150 back as a statement credit each anniversary year when you book flights directly with JSX'
+  - rule: renowned-hotels-credit
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-quest
+    quote: 'Receive up to $150 back in statement credits each anniversary year on hotel accommodations'

package/data/cards/citi-aadvantage-executive.yaml

@@ -30,9 +30,22 @@ rules:
     match: { merchants: [american-airlines] }
     rate: 4
     note: Items billed by American Airlines as the merchant of record. Car rentals booked on aadvantagecars.com and hotels booked on aadvantagehotels.com don't count. Rises to 5x for the rest of the calendar year after $150,000 in total card spend that year.
-# Not modeled: Admirals Club membership, AA Vacations, Lyft, Avis/Budget and inflight credits, Loyalty Point bonuses.
+# Not modeled: Admirals Club membership, the Lyft credit (after 3 rides a month), inflight and inKind dining credits, Loyalty Point bonuses.
 todo:
   - 5x on American Airlines after $150,000 in calendar-year spend isn't modeled; the schema can't raise a rate after a spend threshold.
+  - "The issuer's terms don't say whether purchases a credit pays for earn rewards. Its credits are modeled as earning the card's rate on the whole purchase, with the credit on top."
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: aa-vacations
+    match: { merchants: [american-airlines-vacations] }
+    amount: 250
+    period: half_year
+    note: 'American Airlines Vacations packages or experiences: up to $250 from January through June and $250 from July through December.'
+  - id: avis-budget
+    match: { merchants: [avis, budget] }
+    amount: 120
+    period: calendar_year
+    note: 'Prepaid car rentals booked directly on avis.com or budget.com.'
 evidence:
   - rule: base_rate
     url: https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard
@@ -67,3 +80,15 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard
     quote: 'Fee for Foreign Purchases - None'
+  - rule: aa-vacations
+    url: https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard
+    quote: 'Earn up to $250 on purchases January through June and up to $250 July through December.'
+  - rule: aa-vacations
+    url: https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard
+    quote: 'eligible American Airlines Vacations℠ travel packages or experiences'
+  - rule: avis-budget
+    url: https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard
+    quote: 'Earn up to $120 in statement credits every calendar year'
+  - rule: avis-budget
+    url: https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard
+    quote: 'eligible prepaid car rentals are booked directly on avis.com or budget.com'

package/data/cards/citi-strata-elite.yaml

@@ -39,9 +39,22 @@ rules:
     exclude: { merchants: [dodger-stadium, bellagio] }
     rate: 3
     note: 6x during Citi Nights (purchases authorized Friday 6 PM to Saturday 6 AM ET and Saturday 6 PM to Sunday 6 AM ET); earnrate can't see the time of a purchase, so this models the 3x rate. Includes cafes, bars, lounges, fast food, takeout and restaurant delivery services. Excludes bakeries, caterers and restaurants inside another business (hotels, stores, stadiums, grocery stores, warehouse clubs).
-# Not modeled: statement credits (hotel benefit, Splurge Credit, Blacklane, Global Entry/TSA PreCheck).
+# Not modeled: the Splurge Credit (brands you pick) and the Global Entry/TSA PreCheck credit.
 todo:
   - Citi Nights 6x at restaurants depends on the authorization time, which the schema can't express. Modeled at 3x.
+  - "The issuer's terms don't say whether purchases a credit pays for earn rewards. Its credits are modeled as earning the card's rate on the whole purchase, with the credit on top."
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: blacklane
+    match: { merchants: [blacklane] }
+    amount: 100
+    period: half_year
+    note: 'Blacklane chauffeur bookings: up to $100 from January through June and $100 from July through December.'
+  - id: hotel
+    match: { merchants: [citi-travel-hotels] }
+    amount: 300
+    period: calendar_year
+    note: 'Once a year, $300 off one hotel stay of 2 nights or more booked on cititravel.com, before taxes and fees. It applies to one stay, not split across several.'
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
@@ -83,3 +96,9 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.citi.com/credit-cards/citi-strata-elite-credit-card
     quote: 'Fee for foreign purchases - None'
+  - rule: blacklane
+    url: https://www.citi.com/credit-cards/citi-strata-elite-credit-card
+    quote: 'Earn up to $100 on Blacklane purchases January through June and up to $100 July through December.'
+  - rule: hotel
+    url: https://www.citi.com/credit-cards/citi-strata-elite-credit-card
+    quote: 'Once per calendar year, you can enjoy $300 off a single hotel stay of 2 nights or more'

package/data/cards/discover-it-cash-back.yaml

@@ -6,7 +6,7 @@ color: '#e8751a'
 issuer: discover
 network: discover
 currency: cash
-last_verified: 2026-11-03
+last_verified: 2026-11-05
 verified_by: claude
 source_urls:
   - https://www.discover.com/credit-cards/cash-back/it-card/
@@ -18,11 +18,12 @@ source_urls:
   - https://www.discover.com/credit-cards/cash-back/cashback-bonus.html
   # The calendar page's "See our FAQs".
   - https://www.discover.com/credit-cards/card-smarts/using-cashback-bonus/
+  # Discover's travel-card article: the only Discover page that states the
+  # foreign transaction fee (the application terms' fee table has no row).
+  - https://www.discover.com/credit-cards/card-smarts/best-international-travel-credit-card/
 base_rate: 1
 annual_fee: 0
-# No page states it: the application terms' fee table lists no foreign
-# transaction fee row, but nothing says "None".
-foreign_transaction_fee: null
+foreign_transaction_fee: 0
 welcome_offer:
   dollars: 200
   spend: 500
@@ -96,7 +97,6 @@ todo:
   - 'Discover has published only 2026 on its 5% calendar (Oct-Dec 2026 is the last quarter shown). Add 2027 quarters when Discover posts them.'
   - Discover's 5% activation isn't retroactive (5% applies "from 10/1/26 (or the date on which you activate 5%, whichever is later)"), and you can activate until the quarter's last day. The schema's activate_by can't say that purchases before activation earn 1%; it's set to the quarter's last day and the rule notes say so.
   - The card page's and application terms' Cashback Match terms say "through your first 365 days"; the Cashback Bonus page says "your first 12 consecutive billing periods or 365 days, whichever is longer". Modeled as 365 days, the shorter. Cash back is matched only when processed within the period, so a purchase in its last days may post too late; earnrate goes by the purchase date.
-  - Foreign transaction fee isn't stated on any Discover page or in the application terms (their fee table has no foreign transaction row). Left null; confirm with the Cardmember Agreement or Capital One.
   - Discover says 5% purchases "must be made with merchants in the U.S." The application terms put that sentence in the general earning paragraph, so it may also apply to the 1% base and Capital One Travel; only the rotating rules are marked us_only.
   - Amusement parks, tourist attractions, aquariums, zoos, record stores, video rental, pool halls and bowling alleys earn 5% as Q4 2026 entertainment but have no earnrate category. Golf courses, country clubs and collegiate sporting events are excluded but can't be told apart from the entertainment category.
   - Third-party payment accounts and digital wallet transactions may not earn 5% if they don't carry a qualifying MCC. Not modeled.
@@ -162,6 +162,9 @@ evidence:
   - rule: annual_fee
     url: https://disclosures.capitalone.com/disclosure.42300.en-US.html
     quote: 'Annual Fee None.'
+  - rule: foreign_transaction_fee
+    url: https://www.discover.com/credit-cards/card-smarts/best-international-travel-credit-card/
+    quote: 'Discover® has no foreign transaction fee'
   - rule: annual_fee
     url: https://www.discover.com/credit-cards/cash-back/it-card/
     quote: 'No, there is no annual fee for the Discover it Card.'

package/data/cards/fidelity-rewards-visa-signature.yaml

@@ -0,0 +1,60 @@
+id: fidelity-rewards-visa-signature
+name: Fidelity Rewards Visa Signature Card
+short_name: Fidelity Rewards Visa
+color: '#2e7d32'
+# Issued by Elan Financial Services; Fidelity only markets it. Rewards are
+# Reward Points, and 2 points per $1 are worth 2% only when deposited into an
+# eligible Fidelity account (brokerage, Cash Management, IRA, HSA, 529,
+# Charitable). Other redemptions are worth less, at rates Elan doesn't publish.
+issuer: elan
+network: visa
+currency: cash
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.fidelity.com/spend-save/visa-signature-card
+  - https://www.fidelity.com/spend-save/faqs-rewards-credit-cards
+  # Elan's rates-and-fees and rewards summary, linked from the card page's
+  # "Terms and Conditions". The query string is that link's offer; Elan may
+  # change it.
+  - https://online1.elancard.com/pdap/terms?locationCode=24193&offerId=5W8QWVRP5M&sourceCode=88155&st=y
+# Units are cents per dollar when the points go into a Fidelity account: 2
+# points per $1, each converted to its "equivalent dollar amount" (1¢).
+base_rate: 2
+annual_fee: 0
+foreign_transaction_fee: 0
+todo:
+  - "The 2% needs an open, funded Fidelity account to deposit into (opening one is free, and the card itself doesn't need one). Redeemed for travel, merchandise, gift cards or a statement credit, points are worth less, at values no readable Elan or Fidelity page states, so `cash` at 2% assumes the Fidelity deposit."
+  - "Up to $100 in Reward Points back for a Global Entry or TSA PreCheck application fee paid with the card isn't modeled (a fee credit, not a welcome offer)."
+  - "The full Rewards Program Rules come only with the card (online through the Rewards tab once you log in), so no readable page lists more exclusions than the summary in Elan's terms."
+evidence:
+  - rule: base_rate
+    url: https://www.fidelity.com/spend-save/visa-signature-card
+    quote: 'Earn unlimited 2% cash back 1 when deposited into an eligible, Fidelity account'
+  - rule: base_rate
+    url: https://www.fidelity.com/spend-save/faqs-rewards-credit-cards
+    quote: 'You earn 2 Points for every $1 that you spend on eligible net purchases'
+  - rule: base_rate
+    url: https://www.fidelity.com/spend-save/faqs-rewards-credit-cards
+    quote: 'The 2% cash back value applies only to Points redeemed for a deposit into an eligible Fidelity account.'
+  - rule: base_rate
+    url: https://www.fidelity.com/spend-save/faqs-rewards-credit-cards
+    quote: 'your Points will automatically be converted to the equivalent dollar amount'
+  - rule: base_rate
+    url: https://online1.elancard.com/pdap/terms?locationCode=24193&offerId=5W8QWVRP5M&sourceCode=88155&st=y
+    quote: 'you will receive 2 Reward Points'
+  - rule: base_rate
+    url: https://online1.elancard.com/pdap/terms?locationCode=24193&offerId=5W8QWVRP5M&sourceCode=88155&st=y
+    quote: 'The number of Points that may accumulate in any monthly billing cycle is unlimited.'
+  - rule: annual_fee
+    url: https://www.fidelity.com/spend-save/visa-signature-card
+    quote: 'No annual fee, foreign transaction fee , caps, limits, or expirations'
+  - rule: annual_fee
+    url: https://online1.elancard.com/pdap/terms?locationCode=24193&offerId=5W8QWVRP5M&sourceCode=88155&st=y
+    quote: 'Annual Fee Annual Membership Fee None'
+  - rule: foreign_transaction_fee
+    url: https://online1.elancard.com/pdap/terms?locationCode=24193&offerId=5W8QWVRP5M&sourceCode=88155&st=y
+    quote: 'Foreign Transaction None Penalty Fees'
+  - rule: foreign_transaction_fee
+    url: https://www.fidelity.com/spend-save/visa-signature-card
+    quote: 'Plus no foreign transaction fees.'

package/data/cards/navy-federal-cash-rewards-plus.yaml

@@ -0,0 +1,61 @@
+id: navy-federal-cash-rewards-plus
+name: Navy Federal cashRewards Plus Credit Card
+short_name: NFCU cashRewards Plus
+color: '#1b3a6b'
+# Navy Federal takes one cashRewards application and issues this card when
+# the approved credit limit is $5,000 or more, or the cashRewards
+# (navy-federal-cash-rewards) under $5,000.
+issuer: navy-federal
+# Issued as a Visa Signature or a World Mastercard; the earn rate is the
+# same on both.
+network: visa
+currency: cash
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+  - https://www.navyfederal.org/loans-cards/credit-cards/faqs.html
+  - https://www.navyfederal.org/membership/eligibility.html
+base_rate: 2
+annual_fee: 0
+foreign_transaction_fee: 0
+welcome_offer:
+  dollars: 250
+  spend: 2500
+  months: 3
+  valid_to: 2027-01-03
+  note: The page says within 90 days of account opening, modeled as 3 months. For accounts applied for from 07/01/2026 through 01/03/2027; one promotional offer per account opening.
+requires_membership: navy-federal # eligibility-based, no yearly fee
+evidence:
+  - rule: base_rate
+    url: https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+    quote: 'Unlimited 2% cash back on all purchases with cashRewards Plus'
+  - rule: base_rate
+    url: https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+    quote: 'a cashRewards Plus card with 2% cash back if it’s $5,000 or more'
+  - rule: annual_fee
+    url: https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+    quote: 'No annual fee'
+  - rule: foreign_transaction_fee
+    url: https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+    quote: 'No balance transfer fees No foreign transaction fees'
+  - rule: foreign_transaction_fee
+    url: https://www.navyfederal.org/loans-cards/credit-cards/faqs.html
+    quote: 'We don’t charge foreign transaction fees on any of our credit cards'
+  - rule: welcome_offer
+    url: https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+    quote: 'You can earn $250 bonus cash when you spend $2,500 within 90 days of account opening.'
+  - rule: welcome_offer
+    url: https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+    quote: 'Offer valid for accounts applied for between 07/01/2026 and 01/03/2027.'
+  - rule: requires_membership
+    url: https://www.navyfederal.org/loans-cards/credit-cards/faqs.html
+    quote: 'To apply for a Navy Federal credit card, you’ll need to be a Navy Federal member.'
+  - rule: requires_membership
+    url: https://www.navyfederal.org/membership/eligibility.html
+    quote: 'A Membership Savings Account with a $5 minimum balance is required to establish and maintain membership.'
+todo:
+  - 'Membership is by eligibility, not a yearly fee: the armed forces, veterans, DoD civilians and contractors, and their families and household members, with a $5 minimum balance in a Membership Savings Account.'
+  - "Which card an applicant gets depends on the credit limit Navy Federal approves ($5,000 or more: this card at 2%; under $5,000: cashRewards at 1.5%). earnrate can't tell which one an applicant will get; the welcome offer is the same on both."
+  - 'The card is issued as a Visa Signature or a World Mastercard; network is set to visa. Acceptance and network benefits differ, not the earn rate.'
+  - 'The rates and fees table and the rewards terms are PDFs, read 2026-11-04 (navyfederal.org/content/dam/nfculibs/pdfs/credit-debit-cards/nfcu_573cash.pdf, "Annual Fees" and "Foreign Transaction" rows, and nfcu_829.pdf, the "cashRewards Card Product Earn Rate" table). Re-check them by hand when the source check flags this card.'

package/data/cards/navy-federal-cash-rewards.yaml

@@ -0,0 +1,60 @@
+id: navy-federal-cash-rewards
+name: Navy Federal cashRewards Credit Card
+short_name: NFCU cashRewards
+color: '#1b3a6b'
+# Navy Federal takes one cashRewards application and issues this card when
+# the approved credit limit is under $5,000, or the cashRewards Plus
+# (navy-federal-cash-rewards-plus) at $5,000 or more.
+issuer: navy-federal
+# Issued as a Visa or a Mastercard; the earn rate is the same on both.
+network: visa
+currency: cash
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+  - https://www.navyfederal.org/loans-cards/credit-cards/faqs.html
+  - https://www.navyfederal.org/membership/eligibility.html
+base_rate: 1.5
+annual_fee: 0
+foreign_transaction_fee: 0
+welcome_offer:
+  dollars: 250
+  spend: 2500
+  months: 3
+  valid_to: 2027-01-03
+  note: The page says within 90 days of account opening, modeled as 3 months. For accounts applied for from 07/01/2026 through 01/03/2027; one promotional offer per account opening.
+requires_membership: navy-federal # eligibility-based, no yearly fee
+evidence:
+  - rule: base_rate
+    url: https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+    quote: 'Unlimited 1.5% cash back on all purchases with cashRewards'
+  - rule: base_rate
+    url: https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+    quote: 'You’ll get a cashRewards card with 1.5% cash back if your credit limit is under $5,000'
+  - rule: annual_fee
+    url: https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+    quote: 'No annual fee'
+  - rule: foreign_transaction_fee
+    url: https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+    quote: 'No balance transfer fees No foreign transaction fees'
+  - rule: foreign_transaction_fee
+    url: https://www.navyfederal.org/loans-cards/credit-cards/faqs.html
+    quote: 'We don’t charge foreign transaction fees on any of our credit cards'
+  - rule: welcome_offer
+    url: https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+    quote: 'You can earn $250 bonus cash when you spend $2,500 within 90 days of account opening.'
+  - rule: welcome_offer
+    url: https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html
+    quote: 'Offer valid for accounts applied for between 07/01/2026 and 01/03/2027.'
+  - rule: requires_membership
+    url: https://www.navyfederal.org/loans-cards/credit-cards/faqs.html
+    quote: 'To apply for a Navy Federal credit card, you’ll need to be a Navy Federal member.'
+  - rule: requires_membership
+    url: https://www.navyfederal.org/membership/eligibility.html
+    quote: 'A Membership Savings Account with a $5 minimum balance is required to establish and maintain membership.'
+todo:
+  - 'Membership is by eligibility, not a yearly fee: the armed forces, veterans, DoD civilians and contractors, and their families and household members, with a $5 minimum balance in a Membership Savings Account.'
+  - "Which card an applicant gets depends on the credit limit Navy Federal approves (under $5,000: this card at 1.5%; $5,000 or more: cashRewards Plus at 2%). earnrate can't tell which one an applicant will get; the welcome offer is the same on both."
+  - 'The card is issued as a Visa or a Mastercard; network is set to visa. Acceptance and network benefits differ, not the earn rate.'
+  - 'The rates and fees table and the rewards terms are PDFs, read 2026-11-04 (navyfederal.org/content/dam/nfculibs/pdfs/credit-debit-cards/nfcu_573cash.pdf, "Annual Fees" and "Foreign Transaction" rows, and nfcu_829.pdf, the "cashRewards Card Product Earn Rate" table). Re-check them by hand when the source check flags this card.'