earnrate 0.2.13 → 0.2.15

package/README.md

@@ -58,11 +58,11 @@ Assumes Whole Foods Market codes as supermarkets (MCC 5411).
 Values points at: Amex Membership Rewards (MR) at 1¢, SoFi Member Rewards at 1¢, Chase Ultimate Rewards (UR) at 1¢.
 ```
 
-Options: `--online` or `--in-store`, `--valuation flat|points-heavy`, `--all`, `--json`, `--date`, `--country`. Run `earnrate --help` for details. To keep the wallet somewhere else, set `EARNRATE_WALLET` to its path.
+Options: `--online` or `--in-store`, `--paying card|apple-pay|google-pay|paypal`, `--valuation flat|points-heavy`, `--cards`, `--member`, `--category`, `--all`, `--json`, `--date`, `--country`. Run `earnrate --help` for details. To keep the wallet somewhere else, set `EARNRATE_WALLET` to its path.
 
 `earnrate cheatsheet` prints the card to use for each everyday kind of purchase this quarter (groceries, dining, gas, Amazon, Costco, travel, streaming, drugstores, everything else), with your caps, picks and activations as they are now. `--cards` uses cards you name instead, and `--every-card` picks from every card to show what's worth getting. It's also in the My wallet tab on [earnrate.dev](https://earnrate.dev).
 
-`earnrate todo` lists what your saved cards need this quarter, soonest first: bonuses to activate (with Chase's deadline), categories to pick, caps running low and welcome bonuses to finish. `--ics earnrate.ics` also writes the dates as a calendar file with reminders. My wallet on earnrate.dev shows the same list as "To do now", with an "Add the dates to your calendar" button.
+`earnrate todo` lists what your saved cards need this quarter, soonest first: bonuses to activate (with Chase's deadline), categories to pick, caps running low, welcome bonuses to finish, spend bonuses you're close to, statement credits to enroll in or use, and first-year rates ending. `--ics earnrate.ics` also writes the dates as a calendar file with reminders. My wallet on earnrate.dev shows the same list as "To do now", with an "Add the dates to your calendar" button.
 
 `earnrate missed` lists the stores earnrate didn't recognize when you asked here, most asked about first. They're kept only on your computer; [open an issue](https://github.com/cwasley/earnrate/issues) to suggest one for the data.
 
@@ -153,9 +153,9 @@ Every purchase on the card counts. Once earnrate knows how much you've spent on
 
 `earnrate simulate` adds a bonus's points to a card's yearly rewards when the year's spending on it reaches the total.
 
-### Store credits
+### Statement credits
 
-Some cards give dollars back for spending at a named store, up to a limit each period: Amex Platinum's $75 a quarter at lululemon, Amex Gold's $7 a month at Dunkin', Blue Cash Preferred's $10 a month on Disney+, Hulu or ESPN subscriptions. The purchase still earns the card's rate; the credit comes on top. Asking about the store with no cards saved lists the cards with a credit there first, "With a store credit", in dollars ("$75 back each quarter, then 1x Amex Membership Rewards"), then the usual ranking by rate. A search for a kind of purchase ("clothing") doesn't.
+Some cards give dollars back for spending at a named store, up to a limit each period: Amex Platinum's $75 a quarter at lululemon, Amex Gold's $7 a month at Dunkin', Blue Cash Preferred's $10 a month on Disney+, Hulu or ESPN subscriptions. The purchase still earns the card's rate; the credit comes on top. Asking about the store with no cards saved lists the cards with a credit there first, "With a statement credit", in dollars ("$75 back each quarter, then 1x Amex Membership Rewards"), then the usual ranking by rate. A search for a kind of purchase ("clothing") doesn't.
 
 With a saved wallet, a credit counts only once you mark it enrolled (these all need enrolling with the issuer), and only while some is left this period. Given an amount, its dollars count toward that card's return and can make it the pick; without one, the answer shows what's left. Recording a purchase from an AI assistant uses it up, and `earnrate todo` reminds you to enroll and to use what's left before the period ends:
 
@@ -240,10 +240,10 @@ Use the connector (or plugin) or the local extension, not both: each keeps its o
 - `best_card_for_purchase`: which card to use, with reasons
 - `best_cards_for` and `simulate_spending`: compare every card earnrate knows, for one purchase or a year of spending, with no wallet needed
 - `resolve_merchant`: how a merchant was identified
-- `list_wallet`: a to-do list for your cards right now, then your cards, caps left this period, chosen categories, store credits left, welcome-bonus and spend-bonus progress and the point values you've set
+- `list_wallet`: a to-do list for your cards right now, then your cards, caps left this period, chosen categories, statement credits left, welcome-bonus and spend-bonus progress and the point values you've set
 - `cheat_sheet`: the card to use for each everyday kind of purchase this quarter
 - `compare_welcome_offers`: the best public sign-up offers on cards you don't have
-- `record_purchase`: books a purchase against its cap, any open welcome bonus, the card's yearly spend bonuses and an enrolled store credit in your wallet file, keeping your comments
+- `record_purchase`: books a purchase against its cap, any open welcome bonus, the card's yearly spend bonuses and an enrolled statement credit in your wallet file, keeping your comments
 - `search_cards`, `add_card`, `update_card`, `remove_card`, `set_memberships` and `set_point_values`: set up the wallet in conversation, including what your points are worth (memberships and point values need no cards)
 
 Both servers also offer four prompts, ready-made questions you can pick in Claude instead of typing one. None needs your cards:
@@ -303,19 +303,19 @@ Every rule in `data/cards/` carries a short quote from the issuer's own page. In
 - rules whose quote is no longer on the page, which usually means the rule changed
 - earning lines that appeared or disappeared since the last baseline, such as a new perk
 
-A GitHub Action runs it every Monday and opens a "Card source changes" issue when something moved. After updating a card file, run `yarn check-sources --update` to record the new baseline. Some issuers block headless browsers on shared servers; those pages are listed as "couldn't check", and running the command locally covers them. The first run needs `yarn playwright install chromium`.
+A GitHub Action runs it every Monday and opens a "Card source changes" issue when something moved or a page couldn't be read. After updating a card file, run `yarn check-sources --update --cards <ids>` to record the new baseline for those cards' pages. Some issuers block headless browsers on shared servers; those pages are listed as "couldn't check", and running the command locally covers them. The first run needs `yarn playwright install chromium`.
 
 Rotating categories (Freedom Flex) are added each quarter once the issuer posts them. Until then, answers say that quarter's categories are missing rather than guessing.
 
 ## Privacy Policy
 
-earnrate needs no account. The local version has no telemetry; the hosted server counts requests and errors by method, tool name or page only, never what was asked. The full policy is at [earnrate.dev/privacy](https://earnrate.dev/privacy); in short:
+earnrate needs no account. The local version has no telemetry; the hosted server counts requests and errors by tool or page, with the kind of app they came from, and how many wallets are started and used each day, never what was asked. The full policy is at [earnrate.dev/privacy](https://earnrate.dev/privacy); in short:
 
-- **The Claude connector:** earnrate's server at mcp.earnrate.dev receives each question Claude asks it (a store or kind of purchase, and any amount, country, spending or cards you gave) and answers without keeping it; request logging is off. It counts requests and errors by method, tool name or page only. Connecting it starts an anonymous wallet (a recovery code, no email). It holds only what you save: card IDs and the details you gave, memberships and point values, never card numbers, and is encrypted with its own key that only your recovery code or your connected apps can unlock. Delete it any time; it's deleted automatically after 13 months unused, or a week if it's never used.
+- **The Claude connector:** earnrate's server at mcp.earnrate.dev receives each question Claude asks it (a store or kind of purchase, and any amount, country, spending or cards you gave) and answers without keeping it; request logging is off. It counts requests and errors by tool or page, with the kind of app they came from, and how many wallets are started and used each day. Connecting it starts an anonymous wallet (a recovery code, no email). It holds only what you save: card IDs and the details you gave, memberships and point values, never card numbers, and is encrypted with its own key that only your recovery code or your connected apps can unlock. Delete it any time; it's deleted automatically after 13 months unused, or a week if it's never used.
 - **What it stores locally:** your wallet, a YAML file on your computer (`~/.earnrate/wallet.yaml` unless you set `EARNRATE_WALLET`). It lists cards by product ID, like `amex-gold`, plus your category picks, activations and how much you've spent toward caps. earnrate never asks for or stores card numbers, expiry dates, security codes or bank logins. When you ask about a store earnrate doesn't recognize, its name goes in `~/.earnrate/missed-merchants.json` (`earnrate missed` lists them; `EARNRATE_MISSED_MERCHANTS=off` keeps no list).
 - **What the local version sends:** nothing, by default. The optional merchant lookup (off unless you turn it on with your own Anthropic API key) sends only the name of a store earnrate doesn't recognize to Anthropic's API, and saves the answer in `~/.earnrate/merchant-cache.json`.
 - **AI assistants:** when you use earnrate through Claude or another assistant, that assistant's provider sees the conversation, including earnrate's answers, under its own privacy policy.
-- **earnrate.dev:** everything you enter on the site stays in your browser. The site counts visits with Cloudflare Web Analytics, without cookies.
+- **earnrate.dev:** everything you enter on the site stays in your browser, except when you add the cheat sheet to Apple Wallet: then pass.earnrate.dev receives what the pass needs (card IDs, picks, activations, checkout names, memberships and the date) and keeps none of it. The site counts which of its parts get used, by name only, and counts visits with Cloudflare Web Analytics, without cookies.
 - **Retention:** locally, your data lives only in files you control, for as long as you keep them. Delete the wallet file, or clear the site's data in your browser, to remove it. A saved wallet on mcp.earnrate.dev lasts until you delete it or leave it unused for 13 months (a week, if it's never used); the record that an app is connected goes after 90 days unused.
 - **Terms:** [earnrate.dev/terms](https://earnrate.dev/terms).
 - **Contact:** [hello@earnrate.dev](mailto:hello@earnrate.dev).

package/data/CHANGELOG.md

@@ -2,6 +2,34 @@
 
 Every change to card rules, merchants, categories or currencies under `data/`. Bump `data/VERSION` (`YYYY.MM.DD`, plus `.N` for a second release on the same day) and add a section here in the same commit. Each row cites the issuer page the new value came from.
 
+## 2026.11.06.1
+
+Wording only; no rates changed. Ten categories take `preposition: on`, so answers and pages say "on flights" rather than "at flights": `dining.fast_food`, `grocery.online`, `gas.grocery_store`, `gas.superstore`, `transit.rideshare`, `travel.flights`, `travel.car_rental`, `travel.cruise`, `home_improvement` and `other`.
+
+## 2026.11.06
+
+Wording only; no rates changed. `discover-it-cash-back`'s welcome-offer note says Cashback Match doubles every rate for the first year, instead of naming the data field it's stored in.
+
+## 2026.11.05.2
+
+Evidence quotes only; no rates changed. `chase-ihg-one-rewards-business`'s Expensify credit quotes the page's "Enjoy up to $100 in statement credits towards Expensify purchases each calendar year." (a link now splits the old sentence), and `venmo-credit-card`'s foreign transaction fee quotes "No foreign transaction fee" on venmo.com (a footnote number now runs into the old one). Sources: [Chase](https://creditcards.chase.com/business-credit-cards/IHG/business), [Venmo](https://venmo.com/about/creditcard/).
+
+## 2026.11.05.1
+
+Welcome offers replacing the four that ended 2026-11-04, read on Amex's pages 2026-11-05; none has an end date now. Discover it's foreign transaction fee, from a Discover page that states it.
+
+| Card                          | Field                     | Was                                                                                       | Now                                               | Sources                                                                                                                                                                                                                                                                                     |
+| ----------------------------- | ------------------------- | ----------------------------------------------------------------------------------------- | ------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
+| amex-delta-skymiles-gold      | `welcome_offer`           | as high as 80,000 miles + $250 credit after $3,000 in 6 months, ending 2026-11-04         | as high as 80,000 miles after $2,000 in 6 months  | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms) · [2](https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/)                                        |
+| amex-delta-skymiles-platinum  | `welcome_offer`           | as high as 90,000 miles + $300 credit after $4,000 in 6 months, ending 2026-11-04         | as high as 90,000 miles after $3,000 in 6 months  | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms) · [2](https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-platinum-american-express-card/)                                |
+| amex-delta-skymiles-reserve   | `welcome_offer`           | 50,000 miles + 2 Comfort Flight Certificates after $10,000 in 6 months, ending 2026-11-04 | as high as 125,000 miles after $5,000 in 6 months | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms) · [2](https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-reserve-american-express-card/)                                  |
+| amex-marriott-bonvoy-business | `welcome_offer`           | 100,000 points + Free Night Award after $8,000 in 6 months, ending 2026-11-04             | 75,000 points after $6,000 in 6 months            | [1](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/marriott-bonvoy-business-american-express-card/45094-9-0#offer-terms) · [2](https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/amex-marriott-bonvoy-business-credit-card/) |
+| discover-it-cash-back         | `foreign_transaction_fee` | unknown                                                                                   | 0 ("Discover® has no foreign transaction fee")    | [1](https://www.discover.com/credit-cards/card-smarts/best-international-travel-credit-card/)                                                                                                                                                                                               |
+
+## 2026.11.05
+
+Wording only; no rates changed. `walmart-plus`, `peloton-membership` and `uber-one` take `preposition: on`, so their credits read "on Walmart+ membership" rather than "at".
+
 ## 2026.11.04.15
 
 Merchant statement credits on every card whose issuer publishes them: 73 new credits on 31 cards, each quoted from the issuer's own pages (read 2026-11-04). With the three already entered, 76 credits on 32 cards. Credits a cardholder must pick a merchant for, ones once every several years, benefits that aren't spending, and the kinds `docs/feature-gaps.md` lists under "Merchant credits the schema can't express" aren't entered. No earn rates changed.

package/data/VERSION

@@ -1 +1 @@
-2026.11.04.15
+2026.11.06.1

package/data/cards/amex-delta-skymiles-gold.yaml

@@ -5,7 +5,7 @@ color: '#c9a24f'
 issuer: amex
 network: amex
 currency: delta-skymiles
-last_verified: 2026-11-03
+last_verified: 2026-11-05
 verified_by: claude
 source_urls:
   - https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/
@@ -17,12 +17,11 @@ first_year_fee: 0
 foreign_transaction_fee: 0
 welcome_offer:
   points: 80000
-  spend: 3000
+  spend: 2000
   months: 6
-  valid_to: 2026-11-04
   varies: true
   not_with: [amex-delta-skymiles-platinum, amex-delta-skymiles-reserve]
-  note: 'The public offer is "as high as" 80,000 bonus miles plus a $250 statement credit, both after the same $3,000 in purchases; Amex shows the exact miles (which may be lower, or no offer) after you apply and before you accept. Amex: "You may not be eligible to receive a welcome offer if you have or have had this Card, the Delta SkyMiles® Platinum American Express Card, the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards." Amex may also decline based on your card history.'
+  note: 'The public offer is "as high as" 80,000 bonus miles; Amex shows the exact miles (which may be lower, or no offer) after you apply and before you accept. Amex: "You may not be eligible for a welcome offer if you have or have had this Card or previous versions of this Card, or if you have or have had the Delta SkyMiles® Platinum American Express Card, the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards." Amex may also decline based on your card history.'
 rules:
   - id: restaurants
     match: { categories: [dining] }
@@ -116,16 +115,16 @@ evidence:
     quote: 'will be $0 for the first year of Card Membership'
   - rule: welcome_offer
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
-    quote: 'As High As 80,000 Bonus Miles + $250 Statement Credit'
+    quote: 'As High As 80,000 Bonus Miles'
   - rule: welcome_offer
     url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/
-    quote: 'after you spend $3,000 in purchases on your new Card within the first 6 months'
+    quote: 'after you spend $2,000 in purchases on your new Card within the first 6 months'
   - rule: welcome_offer
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
-    quote: 'Offer ends 11/04/2026 at 11:59pm MST.'
+    quote: 'You can earn these bonus miles after you make $2,000 or more'
   - rule: not_with
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
-    quote: 'if you have or have had this Card, the Delta SkyMiles® Platinum American Express Card'
+    quote: 'if you have or have had the Delta SkyMiles® Platinum American Express Card, the Delta SkyMiles® Reserve American Express Card'
   - rule: foreign_transaction_fee
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-gold-american-express-card/25330-10-0#offer-terms
     quote: 'Foreign Transaction None Penalty Fees'

package/data/cards/amex-delta-skymiles-platinum.yaml

@@ -5,7 +5,7 @@ color: '#a9abae'
 issuer: amex
 network: amex
 currency: delta-skymiles
-last_verified: 2026-11-03
+last_verified: 2026-11-05
 verified_by: claude
 source_urls:
   - https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-platinum-american-express-card/
@@ -16,12 +16,11 @@ annual_fee: 350
 foreign_transaction_fee: 0
 welcome_offer:
   points: 90000
-  spend: 4000
+  spend: 3000
   months: 6
-  valid_to: 2026-11-04
   varies: true
   not_with: [amex-delta-skymiles-reserve]
-  note: 'The public offer is "as high as" 90,000 bonus miles plus a $300 statement credit, both after the same $4,000 in purchases; Amex shows the exact miles (which may be lower, or no offer) after you apply and before you accept. Amex: "You may not be eligible to receive a welcome offer if you have or have had this Card, the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards." Amex may also decline based on your card history.'
+  note: 'The public offer is "as high as" 90,000 bonus miles; Amex shows the exact miles (which may be lower, or no offer) after you apply and before you accept. Amex: "You may not be eligible for a welcome offer if you have or have had this Card or previous versions of this Card or if you have or have had the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards." Amex may also decline based on your card history.'
 rules:
   - id: delta
     match: { merchants: [delta, delta-vacations, delta-stays] }
@@ -118,16 +117,16 @@ evidence:
     quote: 'Annual Fee $350 Transaction Fees'
   - rule: welcome_offer
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
-    quote: 'As High As 90,000 Bonus Miles + Earn $300 Statement Credit'
+    quote: 'As High As 90,000 Bonus Miles'
   - rule: welcome_offer
     url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-platinum-american-express-card/
-    quote: 'after you spend $4,000 in purchases on your new Card within the first 6 months'
+    quote: 'after you spend $3,000 in purchases on your new Card within the first 6 months'
   - rule: welcome_offer
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
-    quote: 'Offer ends 11/04/2026 at 23:59 MST.'
+    quote: 'You can earn these bonus miles after you make $3,000 or more'
   - rule: not_with
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
-    quote: 'if you have or have had this Card, the Delta SkyMiles® Reserve American Express Card'
+    quote: 'if you have or have had the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards'
   - rule: foreign_transaction_fee
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-platinum-american-express-card/25330-10-0#offer-terms
     quote: 'Foreign Transaction None Penalty Fees'

package/data/cards/amex-delta-skymiles-reserve.yaml

@@ -5,7 +5,7 @@ color: '#2b2d33'
 issuer: amex
 network: amex
 currency: delta-skymiles
-last_verified: 2026-11-03
+last_verified: 2026-11-05
 verified_by: claude
 source_urls:
   - https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-reserve-american-express-card/
@@ -14,11 +14,11 @@ base_rate: 1
 annual_fee: 650
 foreign_transaction_fee: 0
 welcome_offer:
-  points: 50000
-  spend: 10000
+  points: 125000
+  spend: 5000
   months: 6
-  valid_to: 2026-11-04
-  note: 'Plus two Delta Comfort Flight Certificates after the same $10,000 in purchases: each is one round trip from the U.S. to the lower 48, Puerto Rico or the U.S. Virgin Islands, booked at least 21 days ahead, with up to $80 in taxes and fees, flown by January 15, 2028. Amex: "You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card." Amex may also decline based on your card history.'
+  varies: true
+  note: 'The public offer is "as high as" 125,000 bonus miles; Amex shows the exact miles (which may be lower, or no offer) after you apply and before you accept. Amex: "You may not be eligible for a welcome offer if you have or have had this Card or previous versions of this Card." Amex may also decline based on your card history.'
 rules:
   - id: delta
     match: { merchants: [delta, delta-vacations, delta-stays] }
@@ -80,16 +80,16 @@ evidence:
     quote: 'The annual fee for the Delta SkyMiles® Reserve American Express Card is $650.'
   - rule: welcome_offer
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
-    quote: 'Earn 50,000 Bonus Miles + 2 Delta Comfort Flight Certificates'
+    quote: 'As High As 125,000 Bonus Miles'
   - rule: welcome_offer
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
-    quote: 'after you make $10,000 or more (the "Threshold Amount") in eligible purchases'
+    quote: 'You can earn these bonus miles after you make $5,000 or more'
   - rule: welcome_offer
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
     quote: 'within your first 6 months of Card Membership'
   - rule: welcome_offer
-    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
-    quote: 'Offer ends 11/04/2026 at 23:59 MST.'
+    url: https://www.americanexpress.com/us/credit-cards/card/delta-skymiles-reserve-american-express-card/
+    quote: 'after you spend $5,000 in purchases on your new Card within the first 6 months'
   - rule: foreign_transaction_fee
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/delta-skymiles-reserve-american-express-card/25330-10-0#offer-terms
     quote: 'Foreign Transaction None Penalty Fees'

package/data/cards/amex-marriott-bonvoy-business.yaml

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

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

@@ -141,7 +141,7 @@ evidence:
     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'
+    quote: 'Enjoy up to $100 in statement credits towards Expensify purchases each calendar year.'
 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 (after $250 on flights bought directly each calendar year) isn't modeled.

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/
@@ -18,16 +18,17 @@ 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
   months: 3
-  note: One-time $200 statement credit, available by applying through the card page. Existing or previous cardmembers may not be eligible if they received a new cardmember bonus for this product in the past 48 months. New cardmembers also get Cashback Match, which is ranked as a first-year rate (intro_rates) rather than counted here.
+  note: One-time $200 statement credit, available by applying through the card page. Existing or previous cardmembers may not be eligible if they received a new cardmember bonus for this product in the past 48 months. New cardmembers also get Cashback Match, which doubles every rate for the first year; earnrate ranks it as a first-year rate, not as part of this offer.
 caps:
   # Discover's quarterly maximum on the rotating 5% categories.
   - id: five-percent-quarterly
@@ -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/venmo-credit-card.yaml

@@ -148,4 +148,4 @@ evidence:
     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.'
+    quote: 'No foreign transaction fee'

package/data/categories.yaml

@@ -21,6 +21,7 @@
   mccs: [5812, 5813, 5814]
 - id: dining.fast_food
   name: Fast food
+  preposition: on
   aliases:
     [fast food restaurants, coffee shop, coffee shops, coffee, cafe, cafes]
   mccs: [5814]
@@ -35,6 +36,7 @@
   mccs: [5411]
 - id: grocery.online
   name: Online grocery and delivery
+  preposition: on
   aliases: [grocery delivery]
 
 - id: superstore
@@ -57,8 +59,10 @@
   mccs: [5541, 5542]
 - id: gas.grocery_store
   name: Gas at grocery stores
+  preposition: on
 - id: gas.superstore
   name: Gas at superstores and warehouse clubs
+  preposition: on
 - id: ev_charging
   preposition: on
   name: EV charging
@@ -72,6 +76,7 @@
   mccs: [4111, 4112, 4131, 4784, 7523]
 - id: transit.rideshare
   name: Rideshare and taxis
+  preposition: on
   aliases: [rideshare, taxi, taxis]
   mccs: [4121]
 
@@ -81,6 +86,7 @@
   mccs: [4722]
 - id: travel.flights
   name: Flights
+  preposition: on
   aliases: [flights, airfare, airlines, flight, plane tickets]
   mccs: [4511]
 - id: travel.hotels
@@ -89,10 +95,12 @@
   mccs: [7011]
 - id: travel.car_rental
   name: Car rental
+  preposition: on
   aliases: [car rentals, rental cars]
   mccs: [7512]
 - id: travel.cruise
   name: Cruises
+  preposition: on
   aliases: [cruise]
   mccs: [4411]
 
@@ -149,6 +157,7 @@
   mccs: [5941]
 - id: home_improvement
   name: Home improvement
+  preposition: on
   aliases: [hardware stores, hardware store, home improvement store]
   mccs: [5200, 5211]
 - id: furniture
@@ -171,4 +180,5 @@
 - id: other
   slug: everyday-spending
   name: Everything else
+  preposition: on
   aliases: [everything, everything else, other]

package/data/merchants/seed.yaml

@@ -748,7 +748,7 @@
 
 # Transit
 - { id: uber, name: Uber, category: transit.rideshare }
-- { id: uber-one, name: Uber One, category: other }
+- { id: uber-one, name: Uber One, category: other, preposition: on }
 - { id: lyft, name: Lyft, category: transit.rideshare }
 - { id: amtrak, name: Amtrak, domains: [amtrak.com], category: transit }
 - {
@@ -3359,11 +3359,13 @@
   name: Walmart+ membership
   aliases: [walmart+, walmart+ membership fee]
   category: other
+  preposition: on
   note: The Walmart+ membership fee, not shopping at Walmart.
 - id: peloton-membership
   name: Peloton membership
   aliases: [peloton all-access, peloton app, peloton app one, peloton strength+]
   category: other
+  preposition: on
   note: A Peloton membership or app subscription, not equipment.
 - id: chatgpt
   name: ChatGPT

package/dist/cli/import.js

@@ -13,20 +13,21 @@ import { cardValuation } from "../engine/valuation.js";
 import { analyzeStatement, } from "../import/analyze.js";
 import { parseStatement } from "../import/statement.js";
 import { displayPath, readWallet, RUNTIME_ERROR, USAGE_ERROR, } from "./run.js";
-import { currencyName, dollarsAndCents, periodPhrase } from "../engine/text.js";
+import { currencyName, dollarsAndCents, listed, periodPhrase, } from "../engine/text.js";
 const IMPORT_HELP = `Usage: ${CLI_NAME} import <statement.csv> --card <card-id> [--apply]
        ${CLI_NAME} import <statement.csv>:<card-id> [<statement.csv>:<card-id> ...]
 
 Reads card statements (Amex and Chase activity CSVs) and reports:
   - what the same purchases would have earned on earnrate's picks
   - where the issuer coded a merchant differently than earnrate assumes
-  - the cap usage it would record for the current period
+  - the cap usage, welcome-bonus and spend-bonus spending, and statement
+    credits used that it would record for the current period
 
 Name several statements, each with its card, to see one report across them.
 
 Nothing is written unless you pass --apply, and then only cap totals,
-welcome-bonus spending and a fingerprint of each recorded purchase, so
-importing twice never counts twice.
+welcome-bonus and spend-bonus spending, statement credits used and a
+fingerprint of each recorded purchase, so importing twice never counts twice.
 The statements themselves are never stored.
 
 Options:
@@ -66,10 +67,7 @@ function valuationNote(catalog, wallet, cardIds, profile) {
     if (values.size === 0)
         return 'Cash back counted as cash.';
     const parts = [...values].map(([id, cents]) => `${String(cents)}¢ for ${currencyName(catalog, id)}`);
-    const list = parts.length > 1
-        ? `${parts.slice(0, -1).join(', ')} and ${parts.at(-1) ?? ''}`
-        : (parts[0] ?? '');
-    return `Points valued at ${list}${profile ? ` (the ${profile} profile)` : ', as in your wallet'}.`;
+    return `Points valued at ${listed(parts)}${profile ? ` (the ${profile} profile)` : ', as in your wallet'}.`;
 }
 function formatAnalysis(a, labelOf, valuation, categoryName) {
     const several = a.byCard.length > 1;
@@ -248,21 +246,26 @@ export async function runImport(argv, io) {
         ...(milestoneEntries.length > 0
             ? [`${String(milestoneEntries.length)} toward spend bonuses`]
             : []),
+        ...(analysis.credits.length > 0
+            ? [`${String(analysis.credits.length)} against statement credits`]
+            : []),
     ];
     if (!values.apply || toRecord.length === 0) {
         io.stdout(values.apply || toRecord.length === 0
             ? 'Nothing was written.\n'
-            : `Nothing was written. Run again with --apply to record ${toRecord.join(' and ')}.\n`);
+            : `Nothing was written. Run again with --apply to record ${listed(toRecord)}.\n`);
         return 0;
     }
-    await writeProgress(walletFile, analysis.bookings.map((e) => e.booking), analysis.bonuses, analysis.milestones);
+    await writeProgress(walletFile, analysis.bookings.map((e) => e.booking), analysis.bonuses, analysis.milestones, analysis.credits.map((e) => e.booking));
     for (const entry of analysis.bookings)
         recorded.add(fingerprint(entry));
+    for (const entry of analysis.credits)
+        recorded.add(fingerprint(entry, 'credit'));
     for (const entry of bonusEntries)
         recorded.add(fingerprint(entry, 'bonus'));
     for (const entry of milestoneEntries)
         recorded.add(fingerprint(entry, 'milestone'));
     await writeFileAtomic(ledgerFile, `${JSON.stringify({ version: 1, recorded: [...recorded] }, null, 2)}\n`);
-    io.stdout(`Recorded ${toRecord.join(' and ')} in ${displayPath(walletFile)}.\n`);
+    io.stdout(`Recorded ${listed(toRecord)} in ${displayPath(walletFile)}.\n`);
     return 0;
 }

package/dist/cli/todo.js

@@ -9,8 +9,9 @@ import { displayPath, readWallet, RUNTIME_ERROR, USAGE_ERROR, } from "./run.js";
 const TODO_HELP = `Usage: ${CLI_NAME} todo [--ics <file>] [--date <YYYY-MM-DD>]
 
 What your saved cards need this period, soonest first: bonuses to activate,
-categories to pick, spending caps running low, welcome bonuses to finish, and
-rotating categories the issuer hasn't posted yet.
+categories to pick, spending caps running low, welcome bonuses to finish,
+spend bonuses you're close to, statement credits to enroll in or use, first-year
+rates ending, and rotating categories the issuer hasn't posted yet.
 
 Options:
   --ics <file>          Also write the dated items as a calendar file to import