earnrate 0.2.17 → 0.2.18

package/README.md

@@ -62,7 +62,9 @@ Options: `--online` or `--in-store`, `--paying card|apple-pay|google-pay|paypal`
 
 `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, 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 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, first-year rates ending, and a renewal check for each fee card in the month before its anniversary. `--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.
+
+The renewal check weighs your wallet with the card against your wallet without it, where your other cards pick up its spending: "Amex Gold renews around Nov 20 ($325 fee). At typical spending, it earns about $30 a year more than your other cards would, plus $184 in credits you use: about $111 a year short of the fee." A card that's well ahead gets one short line. It uses your My spending amounts on earnrate.dev and typical amounts elsewhere, and needs the card's anniversary (`earnrate update amex-gold --anniversary 11-20`) or its opening date. It gives the math, not a downgrade recommendation: issuers don't publish downgrade paths or retention offers.
 
 `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.
 
@@ -187,7 +189,11 @@ earnrate simulate groceries=600 other=1000 --wallet   # what a new card would ad
 earnrate offers --cash
 ```
 
-Ranks the welcome offers on cards you don't have by first-year value: the bonus at your point values minus the first year's annual fee (and a membership the card needs, if you don't have it). An offer the issuer rules out because of a card in your wallet (or one you name with `--cards`) is marked "likely not eligible" and listed last. `--points`, `--no-fee` and `--business` narrow it down. Each offer is the public one on the issuer's page, checked weekly like the earning rules, with the issuer's eligibility rules in its note. Offers can differ by person and by how you apply, and it covers only the cards earnrate knows. There are no affiliate or apply links.
+Ranks the cards you don't have by their first two years together, to answer "which card next?": what each adds to your cards at typical spending (it takes the purchases where it earns more than they do), plus its welcome bonus at your point values in year one if the minimum spend fits in the window with all your spending on it, less each year's annual fee and any membership it needs. Each card shows year one, year two, how many weeks of spending the minimum takes, and the bonus alone. Year one counts the card at its standard rates.
+
+If you can't or won't get cards from an issuer (Chase, over its 5/24 rule), `earnrate skip-issuers chase` saves that, and next-card answers here, in "would another card help?" and in Claude leave its cards out; `--skip-issuer chase` does it for one answer, and `--none` clears the list. earnrate never assumes an issuer's application rules, since they aren't published as terms it can quote.
+
+An offer the issuer rules out because of a card in your wallet (or one you name with `--cards`) is marked "likely not eligible" and listed last. `--points`, `--no-fee` and `--business` narrow it down. Each offer is the public one on the issuer's page, checked weekly like the earning rules, with the issuer's eligibility rules in its note. Offers can differ by person and by how you apply, and it covers only the cards earnrate knows. There are no affiliate or apply links.
 
 ### Import a statement
 
@@ -321,7 +327,7 @@ earnrate needs no account. The local version has no telemetry; the hosted server
 - **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, 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. If you turn on syncing with Claude, the wallet (cards, picks, activations, memberships, point values, cap and spending totals, credits used and not used, opening dates) goes to mcp.earnrate.dev and is stored encrypted, like the connector's; a purchase you record is sent so its totals can be updated, and only the totals are kept. Searches, stores and amounts you ask about still never leave the browser. The sign-in stays in a cookie the page's scripts can't read. The site counts which of its parts get used, by name only, and 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. If you turn on syncing with Claude, the wallet (cards, picks, activations, memberships, point values, cap and spending totals, credits used and not used, opening dates, issuers left out of next-card answers) goes to mcp.earnrate.dev and is stored encrypted, like the connector's; a purchase you record is sent so its totals can be updated, and only the totals are kept. Searches, stores and amounts you ask about still never leave the browser. The sign-in stays in a cookie the page's scripts can't read. 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

@@ -1,6 +1,22 @@
 # Data changelog
 
-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.
+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, with the same release's entries in `data/changes.yaml` (the structured record, each change tagged by cause). Each row cites the issuer page the new value came from.
+
+## 2026.11.07.3
+
+- `chase-freedom-flex`: the limited-time $250 welcome offer has ended; it's $200 after $500 in purchases in the first 3 months again. A card-page quote that ran two category names together ("Dining American Red Cross") is removed; the Q4 dining rule keeps its quotes from Chase's learn-more page. Source: [Chase](https://creditcards.chase.com/cash-back-credit-cards/freedom/flex).
+- `amex-platinum`: the Equinox credit quotes Amex's new wording (still up to $300 each calendar year). Source: [Amex terms](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0).
+
+## 2026.11.07.2
+
+- `citi-custom-cash` and `amex-business-gold`: their bonus categories are marked `automatic: true`, since the issuer applies the bonus to the categories with the most spending each billing period; the cardholder doesn't pick. Answers and pages now say "the category you spend the most in each month" instead of "the category you pick". No rate changes. Sources: [Citi ThankYou terms](https://www.thankyou.com/ccterms), [Amex offer terms](https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/64573-9-0#offer-terms).
+
+## 2026.11.07.1
+
+Evidence quotes only; no rates, fees, offers or credits changed. No issuer changes.
+
+- 39 quotes on 16 cards live in popups the page builds from its embedded data only when opened. Each now has `in_popup: true`, after the quote was seen in the open popup: Chase's benefit popups (`chase-ihg-one-rewards-premier`, `chase-united-business`, `chase-united-club-business`), Citi's "Additional Information" panel (`citi-aadvantage-business`, `citi-aadvantage-executive`, `citi-aadvantage-globe`, `citi-aadvantage-mileup`, `citi-aadvantage-platinum-select`, `citi-costco-anywhere-visa`, `citi-costco-anywhere-visa-business`, `citi-double-cash`, `citi-my-best-buy-visa`, `citi-strata-elite`, `citi-strata-premier`) and Nordstrom's "Terms Apply" popup (`td-bank-nordstrom-credit-card`, `td-bank-nordstrom-visa`).
+- `citi-custom-cash`: the card page shows only that applications closed on May 28, 2026, so its 1% base rate and 5% top-category quotes now come from the card's ThankYou terms ("1 ThankYou Point for each $1 you spend on purchases", "5 ThankYou Points for each $1 You spend in Your highest eligible spend category each billing cycle"), and the Citi Travel rule keeps only its ThankYou terms quote. Same rates. Source: [ThankYou terms](https://www.thankyou.com/ccterms).
 
 ## 2026.11.07
 
@@ -663,6 +679,8 @@ Cards can name a paid membership they need (`requires_membership`). Costco Anywh
 | citi-costco-anywhere-visa, citi-costco-anywhere-visa-business | requires_membership | Costco membership, $65 a year                 | [Citi card page](https://www.citi.com/credit-cards/citi-costco-anywhere-visa-credit-card), [Costco membership page](https://www.costco.com/join-costco.html) |
 | citi-aadvantage-globe                                         | evidence            | quotes follow Citi's new wording (same rates) | [card page](https://www.citi.com/credit-cards/citi-aadvantage-globe-mastercard)                                                                              |
 
+Recorded late: changes made on 2026-10-31 without a section of their own, first shipped in this release. New public welcome offers: Atmos Rewards Ascent 70,000 points after $2,500 (was 50,000 after $1,500) and Summit 80,000 after $4,000 (was 70,000 after $3,000); Southwest Plus 80,000 (was 50,000), Premier 85,000 after $2,000 (was 55,000 after $1,500) and Priority 90,000 after $3,000 (was 60,000 after $2,000), all limited-time; Southwest Premier Business back to 60,000 (was a limited-time 80,000); AAdvantage Business 75,000 after $5,000 in 5 months (was 65,000 after $4,000 in 4); AAdvantage Platinum Select 50,000 after $2,500 in 3 months (was a limited-time 80,000 after $3,500 in 4). Each card was re-checked against its issuer's page. The five Amex "as high as" offers take `varies: true`; Blue Cash Preferred, Blue Cash Everyday and Costco Anywhere Business quotes follow their pages' new wording; Freedom Flex's Q4 dining note says the stacking with 3% is unstated; Costco.com takes Visa and Mastercard. Sources: each card's `welcome_offer` evidence.
+
 ## 2026.10.30.3
 
 More everyday words find categories, for questions asked without a store name ("coffee shop", "dinner", "train"). Each maps to the category those purchases already fall under. No rates changed.

package/data/VERSION

@@ -1 +1 @@
-2026.11.07
+2026.11.07.3

package/data/cards/amex-business-gold.yaml

@@ -25,6 +25,7 @@ choices:
   - id: top-two
     pick: 2
     period: month
+    automatic: true
     options:
       us-advertising: [online_advertising]
       us-electronics-software-cloud: [electronics]

package/data/cards/amex-platinum.yaml

@@ -202,7 +202,7 @@ evidence:
     quote: 'The Wall Street Journal, YouTube Premium, and YouTube TV.'
   - rule: equinox
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
-    quote: 'up to a total of $300 in statement credits each calendar year across all Cards on the Platinum Account'
+    quote: 'Enrolled Basic Card Members can earn up to $300 in statement credits each calendar year'
   - rule: oura
     url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/platinum-card/25330-10-0#offer-terms
     quote: 'Enrolled Basic Card Members can receive up to $200 in statement credits each calendar year'

package/data/cards/chase-freedom-flex.yaml

@@ -16,10 +16,10 @@ base_rate: 1
 annual_fee: 0
 foreign_transaction_fee: 0
 welcome_offer:
-  dollars: 250
+  dollars: 200
   spend: 500
   months: 3
-  note: 'Limited-time: the page says "Offer ending soon" (no end date given) and shows the usual $200 struck through. Chase: "available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months."'
+  note: 'Chase: "available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months."'
 # Its cash back is earned as points, which Chase lets you move to another
 # Ultimate Rewards card on your account.
 pools_into:
@@ -152,9 +152,6 @@ evidence:
   - rule: q4-2026-dining
     url: https://www.chase.com/personal/credit-cards/freedom/flex-learnmore
     quote: 'For Dining purchases, you will earn 7% cash back (3% Dining cash back + 4% bonus category cash back)'
-  - rule: q4-2026-dining
-    url: https://creditcards.chase.com/cash-back-credit-cards/freedom/flex
-    quote: 'Dining American Red Cross'
   - rule: q4-2026-dining
     url: https://creditcards.chase.com/cash-back-credit-cards/freedom/flex
     quote: '5% Cash Back rewards total for each $1 spent until $1,500 is spent'
@@ -187,7 +184,7 @@ evidence:
     quote: 'Annual Membership Fee None'
   - rule: welcome_offer
     url: https://creditcards.chase.com/cash-back-credit-cards/freedom/flex
-    quote: 'Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening'
+    quote: 'Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening'
   - rule: foreign_transaction_fee
     url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65280.html
     quote: 'Foreign Transactions None Penalty Fees'

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

@@ -113,6 +113,7 @@ evidence:
   - rule: spend-15k
     url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier
     quote: 'Earn 15,000 bonus points after you spend $15,000 on purchases each calendar year.'
+    in_popup: true
   - rule: spend-15k
     url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier
     quote: 'will qualify for Platinum Elite Status, 5 Elite Night credits and 15,000 bonus points'
@@ -128,6 +129,7 @@ evidence:
   - rule: instacart
     url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier
     quote: 'Active Instacart+ membership is required to receive your $10 monthly credit.'
+    in_popup: true
 todo:
   - The $100 airline statement credit (after $250 on flights bought directly each calendar year, through 12/31/27) isn't modeled.
   - "The issuer's terms don't say whether purchases a credit pays for earn rewards. Its credits are modeled as earning the card's rate on the whole purchase, with the credit on top."

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

@@ -129,9 +129,12 @@ evidence:
   - rule: rideshare
     url: https://creditcards.chase.com/business-credit-cards/united/united-business-card
     quote: 'up to $8 back as a statement credit each month from January through November'
+    in_popup: true
   - rule: rideshare
     url: https://creditcards.chase.com/business-credit-cards/united/united-business-card
     quote: 'Yearly opt-in is required.'
+    in_popup: true
   - rule: jsx
     url: https://creditcards.chase.com/business-credit-cards/united/united-business-card
     quote: 'Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX'
+    in_popup: true

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

@@ -106,18 +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/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

@@ -85,9 +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"