earnrate 0.2.12 → 0.2.14

package/data/cards/navy-federal-more-rewards-amex.yaml

@@ -0,0 +1,92 @@
+id: navy-federal-more-rewards-amex
+name: Navy Federal More Rewards American Express Card
+short_name: NFCU More Rewards Amex
+color: '#1d3f73'
+# Issued by Navy Federal on the American Express network; not an Amex card,
+# so it earns Navy Federal points, not Membership Rewards.
+issuer: navy-federal
+network: amex
+currency: navy-federal-rewards
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html
+  - https://www.navyfederal.org/loans-cards/credit-cards/faqs.html
+  - https://www.navyfederal.org/membership/eligibility.html
+base_rate: 1
+annual_fee: 0
+foreign_transaction_fee: 0
+welcome_offer:
+  points: 20000
+  spend: 2000
+  months: 3
+  valid_to: 2027-01-03
+  note: The page says within 90 days of account opening, modeled as 3 months. For accounts applied for from 07/01/2026 through 01/03/2027; one promotional offer per account opening.
+requires_membership: navy-federal # eligibility-based, no yearly fee
+rules:
+  - id: restaurants-food-delivery
+    match: { categories: [dining] }
+    rate: 3
+    note: Restaurants and food delivery, by the merchant's code. Restaurants inside another business (a hotel, casino, commissary, grocery store or event venue) may earn 1X.
+  - id: supermarkets
+    match: { categories: [grocery.supermarket] }
+    rate: 3
+    note: Supermarkets, by the merchant's code; superstores and warehouse clubs aren't supermarkets.
+  - id: gas-transit
+    match: { categories: [gas, transit] }
+    exclude: { categories: [gas.grocery_store, gas.superstore] }
+    rate: 3
+    note: Gas stations, and transit including railway, ferries, taxis, limousines, bus lines, charters, tour buses, tolls, road and bridge fees, and parking. Gas at superstores, supermarkets and warehouse clubs may earn 1X.
+evidence:
+  - rule: base_rate
+    url: https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html
+    quote: '1X points on everything else'
+  - rule: restaurants-food-delivery
+    url: https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html
+    quote: '3X points at restaurants and on food delivery'
+  - rule: restaurants-food-delivery
+    url: https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html
+    quote: 'purchases at restaurants located within another establishment (e.g., hotel, casino, commissary, grocery store, event venue)'
+  - rule: supermarkets
+    url: https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html
+    quote: '3X points at supermarkets'
+  - rule: gas-transit
+    url: https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html
+    quote: '3X points on gas and transit'
+  - rule: gas-transit
+    url: https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html
+    quote: 'purchases for transit that are identified as railway, ferries/water trip, taxi, limousines, bus lines, charters, tour buses'
+  - rule: gas-transit
+    url: https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html
+    quote: 'tolls, road/bridge fees, and parking/lots will receive 3 points for every $1 spent'
+  - rule: gas-transit
+    url: https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html
+    quote: 'purchases for gas at superstores, supermarkets, and warehouse clubs, may earn 1 point per $1 spent'
+  - rule: annual_fee
+    url: https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html
+    quote: 'No annual fee'
+  - rule: foreign_transaction_fee
+    url: https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html
+    quote: 'No balance transfer fees No foreign transaction fees'
+  - rule: foreign_transaction_fee
+    url: https://www.navyfederal.org/loans-cards/credit-cards/faqs.html
+    quote: 'We don’t charge foreign transaction fees on any of our credit cards'
+  - rule: welcome_offer
+    url: https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html
+    quote: 'Earn 20,000 points when you spend $2,000 within 90 days of account opening'
+  - rule: welcome_offer
+    url: https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html
+    quote: 'Offer valid for accounts applied for between 07/01/2026 and 01/03/2027.'
+  - rule: requires_membership
+    url: https://www.navyfederal.org/loans-cards/credit-cards/faqs.html
+    quote: 'To apply for a Navy Federal credit card, you’ll need to be a Navy Federal member.'
+  - rule: requires_membership
+    url: https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html
+    quote: 'you’ll need to be a Navy Federal Credit Union member'
+  - rule: requires_membership
+    url: https://www.navyfederal.org/membership/eligibility.html
+    quote: 'A Membership Savings Account with a $5 minimum balance is required to establish and maintain membership.'
+todo:
+  - 'Membership is by eligibility, not a yearly fee: the armed forces, veterans, DoD civilians and contractors, and their families and household members, with a $5 minimum balance in a Membership Savings Account.'
+  - 'The rates and fees table and the rewards terms are PDFs, read 2026-11-04 (navyfederal.org/content/dam/nfculibs/pdfs/credit-debit-cards/nfcu_573amex.pdf, the "Annual Fees" and "Foreign Transaction" rows and "REWARD PROGRAM DETAILS"; nfcu_829b.pdf, the More Rewards earn table and "Every 1 reward point is worth $0.01 when redeemed for cash"). Re-check them by hand when the source check flags this card.'
+  - 'Navy Federal points pool across its points cards (Flagship Premier, GO REWARDS); none of those is in earnrate yet.'

package/data/cards/paypal-cashback-mastercard.yaml

@@ -15,8 +15,13 @@ source_urls:
 base_rate: 1.5
 annual_fee: 0
 foreign_transaction_fee: 3
-todo:
-  - "3% cash back when the card is paid through your PayPal account online (PayPal checkout, or sending money to other PayPal users) isn't modeled: earnrate sees the merchant and channel, not how a purchase is paid, so every purchase gets 1.5% here."
+rules:
+  - id: paypal-checkout
+    match: { any: true }
+    rate: 3
+    channel: online
+    requires: { payment: paypal }
+    note: Paid with the card through your PayPal account online (choosing it at PayPal checkout), or sending money to other PayPal users through PayPal. Authorized users earn 1.5% on everything.
 evidence:
   - rule: base_rate
     url: https://www.paypal.com/us/digital-wallet/manage-money/paypal-cashback-mastercard
@@ -27,6 +32,12 @@ evidence:
   - rule: base_rate
     url: https://www.synchronycredit.com/gecrbterms/html/PayPalCashbackRewardsTerms.htm
     quote: 'there is no maximum amount of Eligible Purchases that may earn Cash Rewards.'
+  - rule: paypal-checkout
+    url: https://www.synchronycredit.com/gecrbterms/html/PayPalCashbackRewardsTerms.htm
+    quote: '3%: Each Eligible Purchase made by you through your PayPal account online'
+  - rule: paypal-checkout
+    url: https://www.paypal.com/us/digital-wallet/manage-money/paypal-cashback-mastercard
+    quote: '3% cash back when you check out with PayPal.'
   - rule: annual_fee
     url: https://www.paypal.com/us/digital-wallet/manage-money/paypal-cashback-mastercard
     quote: 'no rotating categories, and no annual fee.'

package/data/cards/penfed-power-cash-rewards.yaml

@@ -0,0 +1,47 @@
+id: penfed-power-cash-rewards
+name: PenFed Power Cash Rewards Visa Signature Card
+short_name: PenFed Power Cash
+color: '#1f5c99'
+# PenFed is a credit union; the 2% rate is for Honors Advantage members, who
+# have a PenFed checking account or serve (or served) in the military.
+issuer: penfed
+network: visa
+currency: cash
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.penfed.org/credit-cards/power-cash-rewards-visa
+base_rate: 1.5
+annual_fee: 0
+foreign_transaction_fee: 0
+welcome_offer:
+  dollars: 100
+  spend: 1500
+  months: 3
+  note: The page says within 90 days of account opening, modeled as 3 months; one $100 statement credit per account.
+rules:
+  - id: honors-advantage
+    match: { any: true }
+    rate: 2
+    requires: { membership: penfed-honors-advantage }
+    note: 2% on all purchases for PenFed Honors Advantage members (a PenFed checking account, or military service); 1.5% for other members.
+todo:
+  - "penfed.org refuses plain fetches and the source check's headless browser (empty replies, HTTP 503), so the weekly check lists this page as unreachable. Its quotes were read 2026-11-04 in Chrome; the page draws the 2% and 1.5% as images, so the quotes come from its rewards calculator and footnotes. Re-read it by hand when the check flags it."
+  - "The card's pricing and full terms are PDFs (summary-of-terms-vcr-00.pdf, 1203-Pricing-List.pdf on penfed.org), not sources."
+  - 'Credit union membership: anyone can join PenFed, but no readable page says so in a quotable line, so `requires_membership` is left off.'
+evidence:
+  - rule: base_rate
+    url: https://www.penfed.org/credit-cards/power-cash-rewards-visa
+    quote: '1.5% For traditional accounts'
+  - rule: honors-advantage
+    url: https://www.penfed.org/credit-cards/power-cash-rewards-visa
+    quote: "If you have a checking account or you're in the military you can qualify for 2% cashback"
+  - rule: annual_fee
+    url: https://www.penfed.org/credit-cards/power-cash-rewards-visa
+    quote: 'Annual Fee: $0'
+  - rule: foreign_transaction_fee
+    url: https://www.penfed.org/credit-cards/power-cash-rewards-visa
+    quote: 'No Foreign Transaction Fees Use your PenFed credit card worldwide without any additional fees.'
+  - rule: welcome_offer
+    url: https://www.penfed.org/credit-cards/power-cash-rewards-visa
+    quote: 'will receive a $100 statement credit upon spending $1500 in purchase transactions within 90 days'

package/data/cards/usbank-altitude-connect.yaml

@@ -62,6 +62,7 @@ rules:
         [
           amazon-music,
           amazon-prime-video,
+          amc-plus,
           apple-music,
           apple-tv,
           audible,
@@ -70,9 +71,13 @@ rules:
           disney-plus,
           espn,
           fandango-at-home,
+          fanduel-sports-network,
           fubotv,
-          max,
           hulu,
+          iheartradio,
+          liveone,
+          luminary,
+          max,
           mlb-tv,
           nba-league-pass,
           netflix,
@@ -85,6 +90,7 @@ rules:
           spotify,
           starz,
           tidal,
+          youtube-music,
           youtube-premium,
           youtube-tv,
         ]
@@ -146,5 +152,5 @@ evidence:
     url: https://onboarding.usbank.com/gateway/partner/credit-card/begin?locationCode=18569&offerId=8BB5BD89H1&sourceCode=88416&page=terms
     quote: 'Foreign Transaction None'
 todo:
-  - 'AMC+, FanDuel Sports Network, iHeart, LiveOne, Luminary, Stitcher and YouTube Music are qualifying streaming services that earnrate has no merchant for yet.'
+  - 'Stitcher is a qualifying streaming service that earnrate has no merchant for yet.'
   - "Passenger trains are modeled only for Amtrak, since earnrate's transit category also covers buses, tolls and parking, which U.S. Bank doesn't list as travel."

package/data/cards/usbank-altitude-go.yaml

@@ -40,6 +40,7 @@ rules:
         [
           amazon-music,
           amazon-prime-video,
+          amc-plus,
           apple-music,
           apple-tv,
           audible,
@@ -48,9 +49,13 @@ rules:
           disney-plus,
           espn,
           fandango-at-home,
+          fanduel-sports-network,
           fubotv,
-          max,
           hulu,
+          iheartradio,
+          liveone,
+          luminary,
+          max,
           mlb-tv,
           nba-league-pass,
           netflix,
@@ -63,6 +68,7 @@ rules:
           spotify,
           starz,
           tidal,
+          youtube-music,
           youtube-premium,
           youtube-tv,
         ]
@@ -115,4 +121,4 @@ evidence:
     url: https://onboarding.usbank.com/gateway/partner/credit-card/begin?locationCode=18569&offerId=HQWRM3D57Q&sourceCode=88268&page=terms
     quote: 'Foreign Transaction 3% of each foreign transaction'
 todo:
-  - 'AMC+, FanDuel Sports Network, iHeart, LiveOne, Luminary, Stitcher and YouTube Music are qualifying streaming services that earnrate has no merchant for yet.'
+  - 'Stitcher is a qualifying streaming service that earnrate has no merchant for yet.'

package/data/cards/usbank-smartly.yaml

@@ -0,0 +1,107 @@
+id: usbank-smartly
+name: U.S. Bank Smartly Visa Signature Card
+short_name: U.S. Bank Smartly
+color: '#16171b'
+issuer: usbank
+network: visa
+# Earned as points, 1 point per 1% of cash back, worth full value as a
+# deposit to a U.S. Bank account (see todo on statement credits).
+currency: cash
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html
+  - https://rewards.usbank.com/benefits/card/SmartlyBenefits/program-rules
+  - https://onboarding.usbank.com/gateway/partner/credit-card/begin?locationCode=8069&offerId=36672BDX52&sourceCode=87869&page=terms
+base_rate: 2
+annual_fee: 0
+foreign_transaction_fee: 3
+caps:
+  # The Smartly Earning Bonus counts only the first $10,000 of eligible net
+  # purchases a billing cycle; past it every tier earns the base 2%.
+  - id: smartly-earning-bonus
+    amount: 10000
+    period: month
+    then_rate: 2
+rules:
+  # Smartly Earning Bonus tiers, by the 30-day average balance in Bank
+  # Smartly Checking and Safe Debit, with a Bank Smartly Savings account.
+  - id: everything-smartly-25
+    match: { any: true }
+    rate: 2.5
+    cap: smartly-earning-bonus
+    requires: { membership: usbank-smartly-25 }
+    note: 2% plus the 25% Smartly Earning Bonus (a qualifying balance from $10,000 per the card page, $5,000 per the program rules, to $49,999.99), on the first $10,000 of eligible net purchases each billing cycle. Education, gift cards, insurance, tax, business-to-business merchants and third-party bill payment earn 2% and don't count toward the $10,000.
+  - id: everything-smartly-50
+    match: { any: true }
+    rate: 3
+    cap: smartly-earning-bonus
+    requires: { membership: usbank-smartly-50 }
+    note: 2% plus the 50% Smartly Earning Bonus (qualifying balance $50,000 to $99,999.99), on the first $10,000 of eligible net purchases each billing cycle. Education, gift cards, insurance, tax, business-to-business merchants and third-party bill payment earn 2% and don't count toward the $10,000.
+  - id: everything-smartly-100
+    match: { any: true }
+    rate: 4
+    cap: smartly-earning-bonus
+    requires: { membership: usbank-smartly-100 }
+    note: 2% plus the 100% Smartly Earning Bonus (qualifying balance $100,000 or more), on the first $10,000 of eligible net purchases each billing cycle. Education, gift cards, insurance, tax, business-to-business merchants and third-party bill payment earn 2% and don't count toward the $10,000.
+  - id: travel-center-hotels-car-rentals
+    match:
+      {
+        merchants:
+          [usbank-travel-center-hotels, usbank-travel-center-car-rentals],
+      }
+    rate: 6
+    note: Prepaid hotels and car rentals booked in the U.S. Bank Travel Center with this card, 4 extra points on top of the base 2. Air isn't included.
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html
+    quote: 'Earn unlimited 2% cash back on every purchase.'
+  - rule: base_rate
+    url: https://rewards.usbank.com/benefits/card/SmartlyBenefits/program-rules
+    quote: 'Maximum Point value applies to Points redeemed for a deposit into an eligible checking, savings or money market account'
+  - rule: everything-smartly-25
+    url: https://www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html
+    quote: 'Includes a 25% Smartly Earning Bonus with a qualifying balance between $10,000 and $49,999.'
+  - rule: everything-smartly-25
+    url: https://www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html
+    quote: 'Have or open a U.S. Bank Smartly® Savings account with a minimum opening deposit of $25'
+  - rule: everything-smartly-25
+    url: https://www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html
+    quote: 'Smartly Earning Bonus applies to a maximum of $10,000 in eligible Net Purchases each Card billing cycle.'
+  - rule: everything-smartly-25
+    url: https://www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html
+    quote: 'Purchases classified as (1) education/school, gift cards (including discount gift card sites), insurance, or tax'
+  - rule: everything-smartly-25
+    url: https://www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html
+    quote: 'These Purchases are not calculated as part of the $10,000 cap.'
+  - rule: everything-smartly-50
+    url: https://www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html
+    quote: 'Includes a 50% Smartly Earning Bonus with a qualifying balance between $50,000 and $99,999.'
+  - rule: everything-smartly-50
+    url: https://rewards.usbank.com/benefits/card/SmartlyBenefits/program-rules
+    quote: 'a base of 2 Points plus the Smartly Earning Bonus of 1 Point'
+  - rule: everything-smartly-100
+    url: https://www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html
+    quote: 'Includes a 100% Smartly Earning Bonus with a qualifying balance of $100,000 or more.'
+  - rule: everything-smartly-100
+    url: https://rewards.usbank.com/benefits/card/SmartlyBenefits/program-rules
+    quote: 'a base of 2 Points plus the Smartly Earning Bonus of 2 Points'
+  - rule: travel-center-hotels-car-rentals
+    url: https://rewards.usbank.com/benefits/card/SmartlyBenefits/program-rules
+    quote: 'Earn 4 more Points on hotels and car rentals booked directly on the Travel Center website.'
+  - rule: travel-center-hotels-car-rentals
+    url: https://rewards.usbank.com/benefits/card/SmartlyBenefits/program-rules
+    quote: 'spent on prepaid car and hotel reservations made on the Travel Center website'
+  - rule: annual_fee
+    url: https://www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html
+    quote: 'Enjoy a cash back credit card with no annual fee'
+  - rule: foreign_transaction_fee
+    url: https://onboarding.usbank.com/gateway/partner/credit-card/begin?locationCode=8069&offerId=36672BDX52&sourceCode=87869&page=terms
+    quote: 'Foreign Transaction 3% of each foreign transaction'
+todo:
+  - 'The card page puts the 2.5% tier at a qualifying balance of $10,000 to $49,999; the program rules page says "Between $5,000 - $49,999.99". The tier memberships (usbank-smartly-25, -50, -100) are named by rate, so a wallet picks its tier either way; which threshold applies is unconfirmed.'
+  - "Bonus exclusions aren't modeled: education, gift cards, insurance, tax, business-to-business merchants and third-party bill payment earn 2% at every tier and don't use the $10,000, but earnrate has no categories for them, so the tier rules apply to them."
+  - 'Points are worth full value only as a deposit to a U.S. Bank checking, savings or money market account. The card page also lists statement credits at that value; the program rules say statement credits may be at a reduced rate, without saying what. Modeled as cash at 1¢.'
+  - 'Whether the Smartly Earning Bonus also applies to Travel Center hotels and car rentals (which would make them 6.5% to 8%) is unstated: the 4 extra points are "in addition to your base earn". Modeled at 6% for every tier.'
+  - 'The tier can change within a billing cycle as the 30-day average balance moves; earnrate takes the tier the wallet says.'

package/data/cards/venmo-credit-card.yaml

@@ -0,0 +1,151 @@
+id: venmo-credit-card
+name: Venmo Credit Card
+color: '#1a7fe0'
+# Issued by Synchrony Bank as a Visa or Visa Signature; cash back lands in the
+# linked Venmo balance daily. The categories have been fixed since the
+# rewards terms' 6/2026 revision (no more automatic top category).
+issuer: synchrony
+network: visa
+currency: cash
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://venmo.com/about/creditcard/
+  - https://venmo.com/about/creditcard/rewards
+  - https://www.synchronybankterms.com/syfterms/html/VCCRewardsTerms.htm
+  - https://www.synchronybankterms.com/syfterms/html/VenmoVCCApplyTerms_combo.htm
+base_rate: 1
+annual_fee: 0
+foreign_transaction_fee: 0
+rules:
+  - id: dining-nightlife
+    match: { categories: [dining] }
+    rate: 3
+    note: Restaurants and quick-serve restaurants, for dining in, carryout, drive-through or delivery, plus bars. Set by merchant category code, so a cafe inside a gas station may not count. Venmo's pages also name bakeries and liquor stores, which the Synchrony terms don't.
+  - id: entertainment
+    match:
+      {
+        categories:
+          [entertainment, movie_theaters, streaming, fitness, sporting_goods],
+      }
+    rate: 3
+    note: Movie theaters, concert and theatrical promoters, pro sports, streaming and other subscription TV, radio or streaming, sporting goods stores, and membership sports and recreation clubs (gyms, golf, tennis, swimming).
+  - id: entertainment-other
+    # Visa's codes for the rest of Venmo's "Eligible entertainment
+    # categories" list. Betting (7995) is on the list but Synchrony treats
+    # gambling as a cash advance, which earns nothing.
+    match:
+      {
+        mccs:
+          [
+            5192,
+            5735,
+            5811,
+            5815,
+            5816,
+            5817,
+            5818,
+            5945,
+            5972,
+            5994,
+            5998,
+            7032,
+            7033,
+            7841,
+            7911,
+            7929,
+            7932,
+            7933,
+            7991,
+            7992,
+            7993,
+            7994,
+            7996,
+            7998,
+            7999,
+          ],
+      }
+    rate: 3
+    note: Also entertainment to Venmo, by merchant category code. Books, periodicals and newspapers, record stores, caterers, digital goods (books, movies, music, games and apps), hobby, toy and game stores, stamp and coin stores, newsstands, tent and awning shops, camps and campgrounds, video rental, dance halls and studios, bands, billiards, bowling, tourist attractions, public golf courses, arcades, amusement parks, aquariums and recreation services.
+todo:
+  - "3% when the card is the linked payment method in Venmo (Venmo checkout online, paying a business profile, or a goods-and-services payment) isn't modeled: earnrate sees the merchant and channel, not how a purchase is paid, so those purchases get their category rate here. Venmo personal payments funded by the card earn 1%."
+  - "An extra 1% on dining and entertainment (4% in all) when the purchase is split with another Venmo user in the app and everyone pays within 30 days isn't modeled."
+  - "Cable, satellite and pay TV (MCC 4899, on Venmo's list) earns 3%, but earnrate's TV-and-internet category also covers internet service, which Venmo's page puts at 1% under bills, so only the streaming category is in the rule."
+  - "Purchases through a third-party payment account, card reader or digital wallet that doesn't pass the merchant category code earn 1%."
+  - "The MCC numbers in entertainment-other are Visa's codes for the category names on Venmo's rewards page, which lists names only."
+evidence:
+  - rule: base_rate
+    url: https://www.synchronybankterms.com/syfterms/html/VCCRewardsTerms.htm
+    quote: '1%: Other. All other Eligible Purchases made where Visa credit cards are accepted will earn 1% Cash Rewards.'
+  - rule: base_rate
+    url: https://www.synchronybankterms.com/syfterms/html/VCCRewardsTerms.htm
+    quote: 'there is no maximum amount of Eligible Purchases that may earn Cash Rewards.'
+  - rule: base_rate
+    url: https://venmo.com/about/creditcard/
+    quote: 'You’ll earn 1% cash back on all other purchases with your card.'
+  - rule: dining-nightlife
+    url: https://www.synchronybankterms.com/syfterms/html/VCCRewardsTerms.htm
+    quote: 'All Eligible Purchases made in Dining & Nightlife will earn 3% Cash Rewards.'
+  - rule: dining-nightlife
+    url: https://www.synchronybankterms.com/syfterms/html/VCCRewardsTerms.htm
+    quote: 'restaurants and quick serve restaurants that sell prepared food and drinks'
+  - rule: dining-nightlife
+    url: https://www.synchronybankterms.com/syfterms/html/VCCRewardsTerms.htm
+    quote: 'the café of a gas station may have an MCC as a type of merchant other than a restaurant'
+  - rule: dining-nightlife
+    url: https://venmo.com/about/creditcard/
+    quote: 'Earn 3% cash back on dining and entertainment.'
+  - rule: entertainment
+    url: https://www.synchronybankterms.com/syfterms/html/VCCRewardsTerms.htm
+    quote: 'All Eligible Purchases made in Entertainment will earn 3% Cash Rewards.'
+  - rule: entertainment
+    url: https://www.synchronybankterms.com/syfterms/html/VCCRewardsTerms.htm
+    quote: 'Entertainment includes movie theaters, theatrical and concert promoters, video game rental stores'
+  - rule: entertainment
+    url: https://www.synchronybankterms.com/syfterms/html/VCCRewardsTerms.htm
+    quote: 'ongoing delivery of television/radio/streaming content on a subscription or fee basis'
+  - rule: entertainment
+    url: https://www.synchronybankterms.com/syfterms/html/VCCRewardsTerms.htm
+    quote: 'sports and recreation facilities that require membership such as health clubs'
+  - rule: entertainment
+    url: https://venmo.com/about/creditcard/rewards
+    quote: 'Sporting Goods Stores Hobby, Toy & Game Stores'
+  - rule: entertainment-other
+    url: https://www.synchronybankterms.com/syfterms/html/VCCRewardsTerms.htm
+    quote: 'digital goods such as books, movies, music and games, books and newsstands, amusement parks'
+  - rule: entertainment-other
+    url: https://venmo.com/about/creditcard/rewards
+    quote: 'Books / Periodicals / Newspapers Record Stores'
+  - rule: entertainment-other
+    url: https://venmo.com/about/creditcard/rewards
+    quote: 'Stamp & Coin Stores News Dealers / Newsstands Tent And Awning Shops'
+  - rule: entertainment-other
+    url: https://venmo.com/about/creditcard/rewards
+    quote: 'Sporting / Recreational Camps Trailer Parks / Campgrounds'
+  - rule: entertainment-other
+    url: https://venmo.com/about/creditcard/rewards
+    quote: 'DVD / Video Tape Rental Stores Dance Halls / Studios / Schools'
+  - rule: entertainment-other
+    url: https://venmo.com/about/creditcard/rewards
+    quote: 'Bands / Orchestras / Entertain Billiard / Pool Establishment Bowling Alleys'
+  - rule: entertainment-other
+    url: https://venmo.com/about/creditcard/rewards
+    quote: 'Tourist Attractions and Exhibits Public Golf Courses Video Amusement Game Supply'
+  - rule: entertainment-other
+    url: https://venmo.com/about/creditcard/rewards
+    quote: 'Amusement Parks / Circus Aquariums / Seaquariums Recreation Services Caterers'
+  - rule: entertainment-other
+    url: https://venmo.com/about/creditcard/rewards
+    quote: 'Digital Goods: Applications (Excludes Games) Large Digital Goods Merchant'
+  - rule: entertainment-other
+    url: https://www.synchronybankterms.com/syfterms/html/VenmoVCCApplyTerms_combo.htm
+    quote: 'lottery tickets or other legalized gambling transactions'
+  - rule: annual_fee
+    url: https://www.synchronybankterms.com/syfterms/html/VenmoVCCApplyTerms_combo.htm
+    quote: 'Fees Annual Fee None Transaction Fees'
+  - rule: foreign_transaction_fee
+    url: https://www.synchronybankterms.com/syfterms/html/VenmoVCCApplyTerms_combo.htm
+    quote: 'Foreign Transaction Fee We will not charge you a foreign transaction fee.'
+  - rule: foreign_transaction_fee
+    url: https://venmo.com/about/creditcard/
+    quote: 'No foreign transaction fee 2 Spend when you travel.'

package/data/cards/verizon-visa-card.yaml

@@ -0,0 +1,122 @@
+id: verizon-visa-card
+name: Verizon Visa Card
+color: '#1c1c1c'
+# Issued by Synchrony Bank as a Visa Signature. Rewards are Verizon Dollars,
+# which redeem at $1 for a $1 statement credit on the card, or toward Verizon
+# bills, devices and accessories, so a Verizon Dollar is 1¢ per cent earned
+# here. Earning and redeeming need an active Verizon account.
+issuer: synchrony
+network: visa
+currency: cash
+last_verified: 2026-11-04
+verified_by: claude
+source_urls:
+  - https://www.verizon.com/financial-services/verizon-visa-card/
+  - https://www.verizon.com/support/verizon-visa-card-rewards-legal/
+  - https://www.verizon.com/support/verizon-visa-card-faqs/
+base_rate: 1
+annual_fee: 0
+foreign_transaction_fee: 0
+requires_membership: verizon-account
+welcome_offer:
+  dollars: 150
+  spend: 0
+  months: 3
+  valid_to: 2027-01-13
+  note: 'A $150 statement credit after one purchase within 90 days of opening, for applicants approved 8/12/26 to 1/13/27; spend 0 stands in for "make one purchase". One offer per account; the credit posts 1-2 billing cycles after the purchase.'
+rules:
+  - id: gas-ev-charging
+    match: { categories: [gas, ev_charging] }
+    rate: 4
+    note: Merchants coded as service stations or automated fuel dispensers, and EV charging stations. Not aviation or other non-automotive fuel. EV charging billed by a parking lot or garage can code as parking and earn 1%.
+  - id: grocery-stores
+    match: { categories: [grocery.supermarket] }
+    rate: 4
+    note: Grocery stores and supermarkets, by merchant category code. Groceries at Walmart, Target and other big-box stores may not count.
+  - id: restaurants
+    match: { categories: [dining] }
+    rate: 4
+    note: Restaurants, drinking places and fast food, including takeout and delivery. A cafe inside another store can code as that store and earn 1%.
+  - id: caterers
+    match: { mccs: [5811] }
+    rate: 4
+    note: Caterers count as restaurants.
+  - id: verizon-purchases
+    match: { merchants: [verizon-store] }
+    rate: 4
+    note: Devices and accessories bought at a Verizon store, Verizon online, by phone with Verizon or at an exclusive Verizon Authorized Retailer. Not Verizon wireless or Fios bill payments, or items charged to those bills, which earn 1%. Not Verizon services sold at big-box stores like Walmart or Best Buy.
+todo:
+  - "No readable Synchrony rates-and-fees table: the application's pricing terms are only inside the apply flow, and no synchronybankterms.com page for this card was found. The no-fee and no-foreign-fee quotes are from Verizon's own pages."
+  - 'Verizon Dollars are forfeited if the Verizon wireless or Fios account closes, if the cardholder stops being its Account Owner or Manager, after 90 days if the card closes, or after 24 months with no card or rewards activity. Once Verizon service ends, the card earns nothing.'
+  - 'Card benefits not modeled: Auto Pay discounts of up to $10 a month per line when paying the Verizon bill with the card, 2 free TravelPass days a year, and 0% device financing over 36 months.'
+  - "Verizon Loyalty's separate 3% in Verizon Dollars on the Verizon bill comes with being a customer, not with the card, so it isn't counted."
+evidence:
+  - rule: base_rate
+    url: https://www.verizon.com/support/verizon-visa-card-rewards-legal/
+    quote: '1% in Verizon Dollars for all other Net New Purchases made on your Credit Card Account'
+  - rule: base_rate
+    url: https://www.verizon.com/support/verizon-visa-card-rewards-legal/
+    quote: 'There is no limit on earning Verizon Dollars for any of the Net New Purchases listed above.'
+  - rule: base_rate
+    url: https://www.verizon.com/support/verizon-visa-card-faqs/
+    quote: '$1 Verizon Dollar = $1 Statement Credit'
+  - rule: base_rate
+    url: https://www.verizon.com/support/verizon-visa-card-faqs/
+    quote: 'Cardholders can redeem available Verizon Dollars as a statement credit toward the current balance'
+  - rule: base_rate
+    url: https://www.verizon.com/support/verizon-visa-card-rewards-legal/
+    quote: '1% in Verizon Dollars for every Net New Purchase made for the payment of your Verizon Wireless Account bill'
+  - rule: gas-ev-charging
+    url: https://www.verizon.com/support/verizon-visa-card-rewards-legal/
+    quote: '4% in Verizon Dollars for every Net New Purchase of gas and at electric vehicle'
+  - rule: gas-ev-charging
+    url: https://www.verizon.com/support/verizon-visa-card-rewards-legal/
+    quote: 'Gas stations do not include merchants of aviation or other non-automotive fuels.'
+  - rule: gas-ev-charging
+    url: https://www.verizon.com/support/verizon-visa-card-rewards-legal/
+    quote: 'a merchant of parking lots, parking meters or parking garages may have an MCC identification'
+  - rule: grocery-stores
+    url: https://www.verizon.com/support/verizon-visa-card-rewards-legal/
+    quote: 'Grocery purchases include purchases made at grocery stores and supermarkets.'
+  - rule: grocery-stores
+    url: https://www.verizon.com/support/verizon-visa-card-rewards-legal/
+    quote: 'grocery purchases at Walmart, Target or other "big box" retailers may not qualify'
+  - rule: restaurants
+    url: https://www.verizon.com/support/verizon-visa-card-rewards-legal/
+    quote: '4% in Verizon Dollars for every Net New Purchase made at restaurants.'
+  - rule: restaurants
+    url: https://www.verizon.com/financial-services/verizon-visa-card/
+    quote: '4% on restaurant purchases, including take-out and delivery'
+  - rule: caterers
+    url: https://www.verizon.com/support/verizon-visa-card-rewards-legal/
+    quote: 'Restaurants are generally identified as restaurants, drinking places, fast food places and caterers.'
+  - rule: verizon-purchases
+    url: https://www.verizon.com/support/verizon-visa-card-rewards-legal/
+    quote: 'Net New Purchase made at a Verizon operated store, Verizon online, over the phone with a Verizon representative'
+  - rule: verizon-purchases
+    url: https://www.verizon.com/support/verizon-visa-card-rewards-legal/
+    quote: 'Verizon purchases include purchases of devices and accessories but do not include the payment'
+  - rule: verizon-purchases
+    url: https://www.verizon.com/support/verizon-visa-card-rewards-legal/
+    quote: 'including any "big box" retailers such as Walmart or Best Buy that offer Verizon services.'
+  - rule: annual_fee
+    url: https://www.verizon.com/support/verizon-visa-card-faqs/
+    quote: 'No annual fee and foreign transaction fees.'
+  - rule: foreign_transaction_fee
+    url: https://www.verizon.com/support/verizon-visa-card-faqs/
+    quote: 'No annual fee and foreign transaction fees.'
+  - rule: requires_membership
+    url: https://www.verizon.com/support/verizon-visa-card-rewards-legal/
+    quote: 'In order to apply for a Credit Card Account, you must be either a Verizon Account Owner'
+  - rule: requires_membership
+    url: https://www.verizon.com/support/verizon-visa-card-faqs/
+    quote: 'Verizon wireless Business accounts and Prepaid accounts aren’t eligible to apply for the Verizon Visa Card.'
+  - rule: requires_membership
+    url: https://www.verizon.com/support/verizon-visa-card-faqs/
+    quote: 'you won’t continue to earn rewards, discounts, bonuses or Verizon Dollars'
+  - rule: welcome_offer
+    url: https://www.verizon.com/financial-services/verizon-visa-card/
+    quote: 'This offer is available for applicants who are approved between 8/12/26 and 1/13/27.'
+  - rule: welcome_offer
+    url: https://www.verizon.com/financial-services/verizon-visa-card/
+    quote: 'make one purchase within 90 days to receive the $150 statement credit.'

package/data/currencies.yaml

@@ -58,6 +58,20 @@
   sources:
     - https://www.usbank.com/credit-cards/altitude-go-visa-signature-credit-card.html
 
+- id: navy-federal-rewards
+  name: Navy Federal Rewards points
+  value_cents: 1.0
+  note: Each point is worth 1¢ redeemed for cash (20,000 points is "a $200 value", per Navy Federal). Points also go to gift cards, merchandise and travel through the Navy Federal Rewards Center.
+  sources:
+    - https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html
+
+- id: rei-rewards
+  name: REI Co-op Mastercard rewards
+  value_cents: 1.0
+  note: Dollars to spend at REI stores, REI.com, REI Outlet and the REI app, as Total REI Rewards. They can't be taken as cash or a check, and don't expire while the account is open.
+  sources:
+    - https://www.capitalone.com/credit-cards/rei/
+
 - id: best-buy-rewards
   name: My Best Buy rewards
   value_cents: 2.0