earnrate 0.2.16 → 0.2.18

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

@@ -50,7 +50,8 @@ credits:
     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."
+    valid_to: 2027-12-31
+    note: "Instacart credits, which need an active Instacart+ membership: activate Chase's complimentary one with the card. Each credit applies to one order."
   - id: rideshare
     match: { categories: [transit.rideshare] }
     amount: 12
@@ -69,6 +70,9 @@ credits:
     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: instacart
+    url: https://creditcards.chase.com/business-credit-cards/united/united-club-business
+    quote: 'from 3/23/2025 through 12/31/2027'
   - rule: annual_fee
     url: https://creditcards.chase.com/business-credit-cards/united/united-club-business
     quote: 'ANNUAL FEE $695'
@@ -102,18 +106,23 @@ 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'
+    in_popup: true
   - 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'
+    in_popup: true
   - rule: rideshare
     url: https://creditcards.chase.com/business-credit-cards/united/united-club-business
     quote: 'Yearly opt-in is required.'
+    in_popup: true
   - 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'
+    in_popup: true
   - 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'
+    in_popup: true

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

@@ -68,7 +68,8 @@ credits:
     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."
+    valid_to: 2027-12-31
+    note: "Instacart credits, which need an active Instacart+ membership: activate Chase's complimentary one with the card. Each credit applies to one order."
   - id: rideshare
     match: { categories: [transit.rideshare] }
     amount: 12
@@ -87,6 +88,9 @@ credits:
     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: instacart
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-club
+    quote: 'from 3/23/2025 through 12/31/2027'
   - rule: annual_fee
     url: https://creditcards.chase.com/travel-credit-cards/united/united-club
     quote: 'ANNUAL FEE $695'

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

@@ -55,7 +55,8 @@ credits:
     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."
+    valid_to: 2027-12-31
+    note: "Instacart credits, which need an active Instacart+ membership: activate Chase's complimentary one with the card."
   - id: rideshare
     match: { categories: [transit.rideshare] }
     amount: 5
@@ -69,6 +70,9 @@ credits:
     note: 'Flights booked directly with JSX.'
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
+  - rule: instacart
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-explorer
+    quote: 'from 3/23/2025 through 12/31/2027'
   - rule: annual_fee
     url: https://creditcards.chase.com/travel-credit-cards/united/united-explorer
     quote: '$0 intro annual fee for the first year, then $150'

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

@@ -89,7 +89,8 @@ credits:
     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."
+    valid_to: 2027-12-31
+    note: "Instacart credits, which need an active Instacart+ membership: activate Chase's complimentary one with the card. Each credit applies to one order."
   - id: rideshare
     match: { categories: [transit.rideshare] }
     amount: 8
@@ -108,6 +109,9 @@ credits:
     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: instacart
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-quest
+    quote: 'from 3/23/2025 through 12/31/2027'
   - rule: annual_fee
     url: https://creditcards.chase.com/travel-credit-cards/united/united-quest
     quote: 'ANNUAL FEE $350'

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

@@ -60,27 +60,32 @@ evidence:
   - rule: american-airlines
     url: https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card
     quote: 'Eligible American Airlines purchases are items billed by American Airlines as the merchant of record.'
+    in_popup: true
   - rule: american-airlines
     url: https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card
     quote: 'Products or services that do not qualify are car rentals booked through aadvantagecars.com'
+    in_popup: true
   - rule: car-rentals
     url: https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card
     quote: 'Earn 2 AAdvantage® miles for your business on every $1 spent at car rental merchants and gas stations'
   - rule: car-rentals
     url: https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card
     quote: 'purchases made through travel agencies, tour operators, and online third party travel sites'
+    in_popup: true
   - rule: gas-stations
     url: https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card
     quote: 'Earn 2 AAdvantage® miles for your business on every $1 spent at car rental merchants and gas stations'
   - rule: gas-stations
     url: https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card
     quote: 'purchases made at warehouse clubs that do not code gas station purchases under a gas station code'
+    in_popup: true
   - rule: telecom-cable-satellite
     url: https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card
     quote: 'Earn 2 AAdvantage® miles for your business on every $1 spent at telecommunications merchants and cable and satellite providers'
   - rule: telecom-cable-satellite
     url: https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card
     quote: 'Cable and satellite providers are classified as merchants that provide the connection and ongoing delivery of television'
+    in_popup: true
   - rule: annual_fee
     url: https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card
     quote: 'The annual fee is $99. However, this fee is waived for the first 12 months.'

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

@@ -59,12 +59,14 @@ evidence:
   - rule: aadvantage-cars
     url: https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard
     quote: 'Payless car rentals will not qualify.'
+    in_popup: true
   - rule: american-airlines
     url: https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard
     quote: 'Earn 4 AAdvantage® miles for every $1 spent on eligible American Airlines purchases'
   - rule: american-airlines
     url: https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard
     quote: 'Eligible American Airlines purchases are items billed by American Airlines as the merchant of record.'
+    in_popup: true
   - rule: american-airlines
     url: https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard
     quote: 'After you spend $150,000 in purchases in a calendar year, earn a total of 5 AAdvantage® miles'

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

@@ -48,6 +48,7 @@ evidence:
   - rule: american-airlines
     url: https://www.citi.com/credit-cards/citi-aadvantage-globe-mastercard
     quote: 'Eligible American Airlines purchases are items billed by American Airlines as the merchant of record.'
+    in_popup: true
   - rule: restaurants
     url: https://www.citi.com/credit-cards/citi-aadvantage-globe-mastercard
     quote: 'Earn 2 AAdvantage® miles for every $1 spent at restaurants, including takeout and delivery'
@@ -57,6 +58,7 @@ evidence:
   - rule: rides-and-rails
     url: https://www.citi.com/credit-cards/citi-aadvantage-globe-mastercard
     quote: 'passenger railways, bridge and road tolls, parking lots'
+    in_popup: true
   - rule: annual_fee
     url: https://www.citi.com/credit-cards/citi-aadvantage-globe-mastercard
     quote: 'Annual fee: $350. Minimum interest charge $0.50.'

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

@@ -40,18 +40,22 @@ evidence:
   - rule: american-airlines
     url: https://www.citi.com/credit-cards/aadvantage-mile-up-credit-card
     quote: 'Eligible American Airlines purchases are items billed by American Airlines as the merchant of record.'
+    in_popup: true
   - rule: grocery-stores
     url: https://www.citi.com/credit-cards/aadvantage-mile-up-credit-card
     quote: 'Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services'
   - rule: grocery-stores
     url: https://www.citi.com/credit-cards/aadvantage-mile-up-credit-card
     quote: 'convenience stores, markets, specialty vendors, and bakeries'
+    in_popup: true
   - rule: grocery-stores
     url: https://www.citi.com/credit-cards/aadvantage-mile-up-credit-card
     quote: 'discount superstores, wholesale'
+    in_popup: true
   - rule: grocery-stores
     url: https://www.citi.com/credit-cards/aadvantage-mile-up-credit-card
     quote: 'confectionery stores, cafes, bars, lounges, and fast food restaurants'
+    in_popup: true
   - rule: annual_fee
     url: https://www.citi.com/credit-cards/aadvantage-mile-up-credit-card
     quote: 'Annual Fee - None. Fee for Foreign Purchases - 3%'

package/data/cards/citi-aadvantage-platinum-select.yaml

@@ -53,18 +53,21 @@ evidence:
   - rule: american-airlines
     url: https://www.citi.com/credit-cards/citi-aadvantage-platinum-elite-credit-card
     quote: 'Eligible American Airlines purchases are items billed by American Airlines as the merchant of record.'
+    in_popup: true
   - rule: restaurants
     url: https://www.citi.com/credit-cards/citi-aadvantage-platinum-elite-credit-card
     quote: 'Earn 2 AAdvantage® miles for every $1 spent at restaurants, including takeout'
   - rule: restaurants
     url: https://www.citi.com/credit-cards/citi-aadvantage-platinum-elite-credit-card
     quote: 'restaurants (including cafes, bars, lounges, and fast food restaurants) and at gas stations'
+    in_popup: true
   - rule: gas-stations
     url: https://www.citi.com/credit-cards/citi-aadvantage-platinum-elite-credit-card
     quote: 'Earn 2 AAdvantage® miles for every $1 spent at gas stations'
   - rule: gas-stations
     url: https://www.citi.com/credit-cards/citi-aadvantage-platinum-elite-credit-card
     quote: 'purchases made at warehouse clubs that do not code gas station purchases under a gas station code'
+    in_popup: true
   - rule: annual_fee
     url: https://www.citi.com/credit-cards/citi-aadvantage-platinum-elite-credit-card
     quote: 'Annual fee - $99, waived for the first 12 months.'
@@ -86,3 +89,4 @@ evidence:
   - rule: spend-20k
     url: https://www.citi.com/credit-cards/citi-aadvantage-platinum-elite-credit-card
     quote: 'Earn a $125 American Airlines Flight Discount certificate (the “Flight Discount”) after you spend $20,000 or more in purchases'
+    in_popup: true

package/data/cards/citi-costco-anywhere-visa-business.yaml

@@ -69,6 +69,7 @@ evidence:
   - rule: gas-and-ev-charging
     url: https://www.citi.com/credit-cards/costco-anywhere-visa-business-card
     quote: 'for gas or EV charging purchased at some superstores, supermarkets and warehouse clubs other than Costco'
+    in_popup: true
   - rule: restaurants
     url: https://www.citi.com/credit-cards/costco-anywhere-visa-business-card
     quote: '3% cash back on restaurant purchases (including cafes, bars, lounges, and fast food restaurants)'
@@ -84,6 +85,7 @@ evidence:
   - rule: restaurants
     url: https://www.citi.com/credit-cards/costco-anywhere-visa-business-card
     quote: 'for purchases made at bakeries and certain restaurants'
+    in_popup: true
   - rule: costco
     url: https://www.citi.com/credit-cards/costco-anywhere-visa-business-card
     quote: '2% cash back on all other purchases from Costco and Costco.com'

package/data/cards/citi-costco-anywhere-visa.yaml

@@ -68,6 +68,7 @@ evidence:
   - rule: gas-and-ev-charging
     url: https://www.citi.com/credit-cards/citi-costco-anywhere-visa-credit-card
     quote: 'for gas or EV charging purchased at some superstores, supermarkets and warehouse clubs other than Costco'
+    in_popup: true
   - rule: restaurants
     url: https://www.citi.com/credit-cards/citi-costco-anywhere-visa-credit-card
     quote: '3% cash back on restaurant purchases (including cafes, bars, lounges, and fast food restaurants)'
@@ -83,6 +84,7 @@ evidence:
   - rule: restaurants
     url: https://www.citi.com/credit-cards/citi-costco-anywhere-visa-credit-card
     quote: 'for purchases made at bakeries and certain restaurants'
+    in_popup: true
   - rule: costco
     url: https://www.citi.com/credit-cards/citi-costco-anywhere-visa-credit-card
     quote: '2% cash back on all other purchases from Costco and Costco.com'

package/data/cards/citi-custom-cash.yaml

@@ -4,12 +4,12 @@ color: '#3a7d8c'
 issuer: citi
 network: mastercard
 currency: cash
-last_verified: 2026-11-01
+last_verified: 2026-11-07
 verified_by: claude
 applications_closed: 2026-05-28
 # Existing cardmembers keep the card and its rewards. The card page no longer
-# lists the categories, so the definitions come from the card's current
-# ThankYou terms (Sept 2026).
+# states any earning terms, so the rates and definitions come from the card's
+# current ThankYou terms (Sept 2026).
 source_urls:
   - https://www.citi.com/credit-cards/citi-custom-cash-credit-card
   - https://www.thankyou.com/ccterms
@@ -28,6 +28,7 @@ choices:
   - id: top-category
     pick: 1
     period: month
+    automatic: true
     options:
       restaurants: [dining]
       gas-stations: [gas]
@@ -107,14 +108,14 @@ todo:
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
-    url: https://www.citi.com/credit-cards/citi-custom-cash-credit-card
-    quote: 'Earn 1% cash back thereafter on all other purchases.'
+    url: https://www.thankyou.com/ccterms
+    quote: '1 ThankYou Point for each $1 you spend on purchases'
   - rule: base_rate
     url: https://www.thankyou.com/ccterms
     quote: 'You can combine them into one ThankYou Account'
   - rule: top-category
-    url: https://www.citi.com/credit-cards/citi-custom-cash-credit-card
-    quote: 'Earn 5% cash back on your top eligible spend category each billing cycle up to $500 spent'
+    url: https://www.thankyou.com/ccterms
+    quote: '5 ThankYou Points for each $1 You spend in Your highest eligible spend category each billing cycle'
   - rule: top-category
     url: https://www.thankyou.com/ccterms
     quote: 'After the first $500 spent in that category during the billing cycle'
@@ -148,9 +149,6 @@ evidence:
   - rule: citi-travel-hotels-cars-attractions
     url: https://www.thankyou.com/ccterms
     quote: 'only the portion paid with your card will earn points'
-  - rule: citi-travel-hotels-cars-attractions
-    url: https://www.citi.com/credit-cards/citi-custom-cash-credit-card
-    quote: 'additional 4% cash back on hotels, car rentals, and attractions booked with Citi Travel'
   - rule: citi-travel-hotels-cars-attractions
     url: https://www.thankyou.com/ccterms
     quote: '4 additional ThankYou Points for each $1 spent on hotels, car rentals, and attractions'

package/data/cards/citi-double-cash.yaml

@@ -56,6 +56,7 @@ evidence:
   - rule: citi-travel-hotels-cars-attractions
     url: https://www.citi.com/credit-cards/citi-double-cash-credit-card
     quote: 'this totals 5 ThankYou Points per dollar'
+    in_popup: true
   - rule: citi-travel-hotels-cars-attractions
     url: https://www.thankyou.com/dcterms
     quote: '3 additional ThankYou Points for each $1 spent on hotels, car rentals and attractions booked with Citi Travel'

package/data/cards/citi-my-best-buy-visa.yaml

@@ -43,6 +43,7 @@ evidence:
   - rule: best-buy
     url: https://www.citi.com/credit-cards/citi-best-buy-credit-cards
     quote: 'are only awarded when you select Standard Credit'
+    in_popup: true
   - rule: gas
     url: https://www.citi.com/credit-cards/citi-best-buy-credit-cards
     quote: 'per $1 spent at gas stations (3% back in rewards)'

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

@@ -66,6 +66,7 @@ evidence:
   - rule: citi-travel-hotels-cars-attractions
     url: https://www.citi.com/credit-cards/citi-strata-elite-credit-card
     quote: 'only the portion paid with your card will earn points'
+    in_popup: true
   - rule: citi-travel-air
     url: https://www.citi.com/credit-cards/citi-strata-elite-credit-card
     quote: '6 points per dollar spent on Air Travel booked on cititravel.com'
@@ -78,6 +79,7 @@ evidence:
   - rule: restaurants
     url: https://www.citi.com/credit-cards/citi-strata-elite-credit-card
     quote: 'Excludes purchases at bakeries, caterers, and restaurants located inside another business'
+    in_popup: true
   - rule: restaurants
     url: https://www.thankyou.com/terms
     quote: '3 ThankYou Points for each $1 spent at restaurants, including restaurant delivery services'

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

@@ -54,9 +54,22 @@ rules:
     exclude: { categories: [gas.superstore] }
     rate: 3
     note: Only merchants coded as gas stations or EV charging. Excludes warehouse clubs, discount stores, department stores and convenience stores.
-# Not modeled: the $100 Annual Hotel Benefit.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: annual-hotel-benefit
+    match: { merchants: [citi-travel-hotels] }
+    amount: 100
+    period: calendar_year
+    min_amount: 500
+    note: "$100 off one hotel stay of $500 or more before taxes and fees, booked with Citi Travel (cititravel.com or 1-833-737-1288) and prepaid with the card, ThankYou points or both. Applied at booking. Air-and-hotel and hotel-and-car packages don't count. The $100 earns no points."
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
+  - rule: annual-hotel-benefit
+    url: https://www.citi.com/credit-cards/citi-strata-premier-credit-card
+    quote: 'Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees)'
+  - rule: annual-hotel-benefit
+    url: https://www.citi.com/credit-cards/citi-strata-premier-credit-card
+    quote: 'when booked through cititravel.com or 1-833-737-1288'
   - rule: base_rate
     url: https://www.citi.com/credit-cards/citi-strata-premier-credit-card
     quote: '1 point per dollar spent on All Other Purchases'
@@ -72,9 +85,11 @@ evidence:
   - rule: travel-agencies
     url: https://www.citi.com/credit-cards/citi-strata-premier-credit-card
     quote: 'Includes purchases at airlines, hotels (not booked through the Citi Travel site via'
+    in_popup: true
   - rule: travel-agencies
     url: https://www.citi.com/credit-cards/citi-strata-premier-credit-card
     quote: '), and travel agencies.'
+    in_popup: true
   - rule: restaurants
     url: https://www.citi.com/credit-cards/citi-strata-premier-credit-card
     quote: '3 points per dollar spent at Restaurants'

package/data/cards/td-bank-nordstrom-credit-card.yaml

@@ -74,6 +74,7 @@ evidence:
   - rule: not_with
     url: https://www.nordstrom.com/becomecardmember
     quote: 'Current and previous Nordstrom credit cardmembers and Nordstrom employees are not eligible for this offer'
+    in_popup: true
   - rule: nordstrom
     url: https://www.nordstrom.com/browse/nordy-club/faq
     quote: "If you use your Nordstrom card via Google Pay or Apple Pay, you'll earn your standard Nordy Club base points"

package/data/cards/td-bank-nordstrom-visa.yaml

@@ -114,6 +114,7 @@ evidence:
   - rule: not_with
     url: https://www.nordstrom.com/becomecardmember
     quote: 'Current and previous Nordstrom credit cardmembers and Nordstrom employees are not eligible for this offer'
+    in_popup: true
   - rule: nordstrom
     url: https://www.nordstrom.com/browse/nordy-club/faq
     quote: "If you use your Nordstrom card via Google Pay or Apple Pay, you'll earn your standard Nordy Club base points"

package/data/cards/wells-fargo-autograph-journey.yaml

@@ -35,9 +35,22 @@ rules:
     match: { categories: [travel] }
     rate: 3
     note: Car rentals, cruise lines, travel agencies, discount travel sites, timeshares and campgrounds.
-# Not modeled: the $50 yearly statement credit after a $50 airline purchase.
+# Merchant statement credits, on top of what the purchase earns.
+credits:
+  - id: airline-credit
+    match: { categories: [travel.flights] }
+    amount: 50
+    period: cardmember_year
+    min_amount: 50
+    note: "Applied automatically on the first purchase of $50 or more each year at a merchant coded as an airline (not charter or private jets). The first year runs from account opening; after that each year starts the first of the month after the annual fee is charged, modeled as the card's anniversary."
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
+  - rule: airline-credit
+    url: https://creditcards.wellsfargo.com/autograph-journey-visa-credit-card/
+    quote: 'Plus a $50 annual statement credit with $50 minimum airline purchase'
+  - rule: airline-credit
+    url: https://creditcards.wellsfargo.com/autograph-journey-visa-credit-card/
+    quote: 'when your card is used for your first airline purchase of at least $50'
   - rule: base_rate
     url: https://creditcards.wellsfargo.com/autograph-journey-visa-credit-card/
     quote: '1 rewards point will be earned per $1 spent on other net purchases'
@@ -71,3 +84,5 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.wellsfargo.com/credit-cards/autograph-journey-visa/terms/
     quote: 'Foreign Transaction None'
+todo:
+  - "The issuer's terms don't say whether purchases a credit pays for earn rewards. Its credits are modeled as earning the card's rate on the whole purchase, with the credit on top."