earnrate 0.2.4 → 0.2.5

package/README.md

@@ -62,7 +62,7 @@ Options: `--online` or `--in-store`, `--valuation flat|points-heavy`, `--all`, `
 
 ### Your wallet
 
-The wallet is a YAML file (`~/.earnrate/wallet.yaml`) listing your cards by ID, which is each card's file name in [`data/cards/`](data/cards). `earnrate add`, `update`, `remove` and `memberships` write it for you and keep your comments, or you can edit it by hand. Only the cards are required:
+The wallet is a YAML file (`~/.earnrate/wallet.yaml`) listing your cards by ID, which is each card's file name in [`data/cards/`](data/cards). `earnrate add`, `update`, `remove`, `memberships` and `values` write it for you and keep your comments, or you can edit it by hand. Only the cards are required:
 
 ```yaml
 version: 1 # the file's format; earnrate writes it
@@ -82,7 +82,7 @@ cards:
         two-percent: [gas-ev-charging]
 ```
 
-Rule IDs for `activated`, the choice slots for `chosen` and the membership IDs that unlock bonuses (such as `bofa-rewards-premier` for a BofA Rewards tier) are in each card's file. Add `costco` if you have a Costco membership: Costco Anywhere needs one, and spending answers count its $65 a year unless you have it, hold the card or spend at Costco. Currencies and their default values are in [`data/currencies.yaml`](data/currencies.yaml). Spending caps fill up as you record purchases from an AI assistant or import a statement with `--apply`, and reset with each period.
+Rule IDs for `activated` and the choice slots for `chosen` are in each card's file; membership IDs (such as `bofa-rewards-premier` for a BofA Rewards tier) are in [`data/memberships.yaml`](data/memberships.yaml), and `earnrate memberships` lists them. `earnrate values UR=1.5` saves what a program's points are worth to you; every answer uses it. Add `costco` if you have a Costco membership: Costco Anywhere needs one, and spending answers count its $65 a year unless you have it, hold the card or spend at Costco. Currencies and their default values are in [`data/currencies.yaml`](data/currencies.yaml). Spending caps fill up as you record purchases from an AI assistant or import a statement with `--apply`, and reset with each period.
 
 ### Merchants earnrate doesn't know
 
@@ -176,16 +176,16 @@ claude mcp add --transport http earnrate https://mcp.earnrate.dev
 
 Or install it as a Claude Code plugin, which connects Claude Code and Cowork to the same server: `/plugin marketplace add cwasley/earnrate`, then `/plugin install earnrate@earnrate`.
 
-**Or run it on your computer:** `earnrate mcp` runs earnrate as a local MCP server over stdio, with 13 tools (the connector has the same ones, plus `export_wallet`, `import_wallet`, `delete_wallet` and `switch_wallet` for its saved wallets):
+**Or run it on your computer:** `earnrate mcp` runs earnrate as a local MCP server over stdio, with 14 tools (the connector has the same ones, plus `export_wallet`, `import_wallet`, `delete_wallet` and `switch_wallet` for its saved wallets):
 
 - `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`: your cards, caps left this period, chosen categories and welcome-bonus progress
+- `list_wallet`: your cards, caps left this period, chosen categories, welcome-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 and any open welcome bonus in your wallet file, keeping your comments
-- `search_cards`, `add_card`, `update_card`, `remove_card` and `set_memberships`: set up the wallet in conversation
+- `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
 
 Saving cards is optional: name them in the conversation for one answer, or ask the assistant to save them, and it finds them, adds them, and asks about anything a card needs, like this quarter's Cash+ picks.
 

package/data/CHANGELOG.md

@@ -2,6 +2,45 @@
 
 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.
 
+## 2026.11.01.7
+
+Currencies can name how a redemption reads (`redemption_names`), so a wallet valuing SoFi points by redeeming into a SoFi account says so. No rates changed.
+
+| Currency     | Field            | Old → new                           | Source |
+| ------------ | ---------------- | ----------------------------------- | ------ |
+| sofi-rewards | redemption_names | sofi-account: "into a SoFi account" | n/a    |
+
+## 2026.11.01.6
+
+Freedom Flex's dining note says 5x rather than 5%, since its points can pool into Ultimate Rewards worth more than 1¢. No rates changed.
+
+| Card               | Field               | Old → new              | Source                                                                         |
+| ------------------ | ------------------- | ---------------------- | ------------------------------------------------------------------------------ |
+| chase-freedom-flex | q4-2026-dining.note | "5x (5% as cash back)" | [card page](https://creditcards.chase.com/cash-back-credit-cards/freedom/flex) |
+
+## 2026.11.01.5
+
+Offers the issuer rules out for holders of another card, and Bank of America's terms for the Atmos account bonus. No rates changed.
+
+| Card                                                     | Field                   | Old → new                                                                                   | Source                                                                                                                                                                                                                                                                                                                                                                                                         |
+| -------------------------------------------------------- | ----------------------- | ------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
+| td-bank-nordstrom-credit-card, td-bank-nordstrom-visa    | welcome_offer.not_with  | each other                                                                                  | [offer terms](https://www.nordstrom.com/becomecardmember)                                                                                                                                                                                                                                                                                                                                                      |
+| chase-ihg-one-rewards, chase-ihg-one-rewards-premier     | welcome_offer.not_with  | the other personal IHG cards                                                                | [One Rewards](https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/one-rewards), [Premier](https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier)                                                                                                                                                                                                                           |
+| amex-gold                                                | welcome_offer.not_with  | amex-platinum                                                                               | [offer terms](https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0#offer-terms)                                                                                                                                                                                                                                                                                        |
+| bank-of-america-atmos-rewards-ascent, -summit, -business | evidence                | the qualifying account, from each card's terms                                              | [Ascent](https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4081060&productoffercode=RS&locale=en_US), [Summit](https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4081112&productoffercode=S2&locale=en_US), [Business](https://www.bankofamerica.com/smallbusiness/credit-cards/terms-and-conditions/?campaignid=4080500&productoffercode=CX&locale=en_US) |
+| chase-united-club                                        | welcome_offer.note      | says the business card isn't clearly covered                                                | [card page](https://creditcards.chase.com/travel-credit-cards/united/united-club)                                                                                                                                                                                                                                                                                                                              |
+| chase-ihg-one-rewards                                    | todo                    | the $15,000 spend milestone isn't modeled                                                   | [card page](https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/one-rewards)                                                                                                                                                                                                                                                                                                                    |
+| categories.yaml, merchants/overrides.yaml                | preposition, slug, kind | categories bought as a service read "on"; travel sites and bookings through them are marked | n/a                                                                                                                                                                                                                                                                                                                                                                                                            |
+
+## 2026.11.01.4
+
+Memberships move to `data/memberships.yaml`: each one's name, the site's checkbox label (`ask`) for the common ones, the Costco membership's fee and the stores that imply it, and the BofA Preferred Rewards tiers as one group. Cards name the membership they need by id (`requires_membership: costco`). No rates changed.
+
+| File                                 | Field               | Old → new                                | Source |
+| ------------------------------------ | ------------------- | ---------------------------------------- | ------ |
+| memberships.yaml                     | (new)               | names, Costco fee and stores, BofA tiers | n/a    |
+| citi-costco-anywhere-visa, -business | requires_membership | inline block → `costco`                  | n/a    |
+
 ## 2026.11.01.3
 
 Welcome offers can name other cards whose holders the issuer rules out (`welcome_offer.not_with`), so offer comparisons mark them and list them last for a wallet holding one. No rates changed.

package/data/VERSION

@@ -1 +1 @@
-2026.11.01.3
+2026.11.01.7

package/data/cards/amex-gold.yaml

@@ -15,6 +15,7 @@ welcome_offer:
   spend: 8000
   months: 6
   varies: true
+  not_with: [amex-platinum]
   note: 'The public offer is "as high as" 100,000 points; Amex shows the exact amount (which may be lower, or no offer) after you apply and before you accept. Not available if you have or have had this Card, the Premier Rewards Gold Card, the Platinum Card (including the Schwab and Morgan Stanley versions) or previous versions of these Cards; Amex may also decline based on your card history.'
 rules:
   - id: restaurants
@@ -93,3 +94,6 @@ evidence:
   - rule: welcome_offer
     url: https://www.americanexpress.com/us/credit-cards/card/gold-card/
     quote: 'after you spend $8,000 in purchases on your new Card within the first 6 months'
+  - rule: not_with
+    url: https://www.americanexpress.com/en-us/credit-cards/apply/terms/personal/gold-card/25330-10-0#offer-terms
+    quote: 'if you have or have had this Card, the Premier Rewards Gold Card, the Platinum Card'

package/data/cards/bank-of-america-atmos-rewards-ascent.yaml

@@ -7,6 +7,7 @@ last_verified: 2026-10-31
 verified_by: claude
 source_urls:
   - https://www.bankofamerica.com/credit-cards/products/alaska-airlines-credit-card/
+  - https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4081060&productoffercode=RS&locale=en_US
 base_rate: 1
 annual_fee: 95
 welcome_offer:
@@ -66,6 +67,9 @@ evidence:
   - rule: welcome_offer
     url: https://www.bankofamerica.com/credit-cards/products/alaska-airlines-credit-card/
     quote: 'spend $2,500 or more on purchases within the first 90 days of opening your account'
+  - rule: alaska-and-hawaiian-with-boa-account
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4081060&productoffercode=RS&locale=en_US
+    quote: 'An active Qualifying Account is an open consumer (non-business) checking or savings account with Bank of America N.A.'
 todo:
-  - 'The 10% rewards bonus rules use a proposed membership id, bank-of-america-account. Bank of America does not say on this page which accounts are "eligible".'
   - 20% back on Alaska and Hawaiian inflight purchases is a rebate, not points, and isn't modeled.
+  - "BofA's rewards page lists Atmos Rewards cards as not eligible for the BofA Rewards tier bonus (in a popup the source check can't read), so the 10% account bonus stands alone."

package/data/cards/bank-of-america-atmos-rewards-business.yaml

@@ -7,6 +7,7 @@ last_verified: 2026-10-26
 verified_by: collin
 source_urls:
   - https://www.bankofamerica.com/smallbusiness/credit-cards/products/alaska-airlines-business-credit-card/
+  - https://www.bankofamerica.com/smallbusiness/credit-cards/terms-and-conditions/?campaignid=4080500&productoffercode=CX&locale=en_US
 base_rate: 1
 business: true
 annual_fee: 70
@@ -67,6 +68,9 @@ evidence:
   - rule: welcome_offer
     url: https://www.bankofamerica.com/smallbusiness/credit-cards/products/alaska-airlines-business-credit-card/
     quote: 'after you make $4,000 or more in purchases within the first 90 days of opening your account'
+  - rule: alaska-and-hawaiian-with-boa-account
+    url: https://www.bankofamerica.com/smallbusiness/credit-cards/terms-and-conditions/?campaignid=4080500&productoffercode=CX&locale=en_US
+    quote: 'open small business (non-consumer) checking or savings account with Bank of America, N.A.'
 todo:
-  - 'The 10% rewards bonus rules use a proposed membership id, bank-of-america-small-business-account. Bank of America does not say on this page which accounts are "eligible".'
   - 'annual_fee is the $70 per-company fee. Each card also costs $25 a year, which the schema has no field for.'
+  - "BofA's rewards page lists Atmos Rewards cards as not eligible for the BofA Rewards tier bonus (in a popup the source check can't read), so the 10% account bonus stands alone."

package/data/cards/bank-of-america-atmos-rewards-summit.yaml

@@ -7,6 +7,7 @@ last_verified: 2026-10-31
 verified_by: claude
 source_urls:
   - https://www.bankofamerica.com/credit-cards/products/alaska-airlines-infinite-credit-card/
+  - https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4081112&productoffercode=S2&locale=en_US
 base_rate: 1
 annual_fee: 395
 welcome_offer:
@@ -65,6 +66,9 @@ evidence:
   - rule: welcome_offer
     url: https://www.bankofamerica.com/credit-cards/products/alaska-airlines-infinite-credit-card/
     quote: '$4,000 or more on purchases within the first 90 days of opening your account'
+  - rule: alaska-and-hawaiian-with-boa-account
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4081112&productoffercode=S2&locale=en_US
+    quote: 'open consumer (non-business) checking, savings or CD account with Bank of America N.A. or an investment account with Merrill'
 todo:
   - '3x on "foreign transaction" purchases (anything charged in a foreign currency or processed abroad) is not modeled: rules have no foreign-only geography. It would make this card the pick for most purchases abroad.'
-  - 'The 10% rewards bonus rules use a proposed membership id, bank-of-america-account. Bank of America does not say on this page which accounts are "eligible".'
+  - "BofA's rewards page lists Atmos Rewards cards as not eligible for the BofA Rewards tier bonus (in a popup the source check can't read), so the 10% account bonus stands alone."

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

@@ -66,7 +66,7 @@ rules:
     requires: { activation: true }
     valid_from: 2026-10-01
     valid_to: 2026-12-31
-    note: Chase's terms say activated categories earn "5% Cash Back rewards total" (4% on top of the 1% base), so earnrate shows 5% until the $1,500 quarterly cap. Some blogs report 7% for dining (the 3% dining rate plus the 4% bonus); Chase's own terms don't say that.
+    note: Chase's terms say activated categories earn "5% Cash Back rewards total" (4% on top of the 1% base), so earnrate counts 5x (5% as cash back) until the $1,500 quarterly cap. Some blogs report 7% for dining (the 3% dining rate plus the 4% bonus); Chase's own terms don't say that.
   - id: q4-2026-american-red-cross
     match: { merchants: [american-red-cross] }
     rate: 5

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

@@ -14,6 +14,7 @@ welcome_offer:
   points: 180000
   spend: 3000
   months: 3
+  not_with: [chase-ihg-one-rewards, chase-ihg-one-rewards-premier-select]
   note: 'Labeled a launch offer; no end date given. Plus 10,000 points after adding an authorized user in the first 3 months. No free night in the welcome offer; the yearly Anniversary Free Night is a separate perk. Chase: "available to you if you do not have any personal IHG One Rewards Credit Cards and have not received a new Cardmember bonus within the last 24 months. This does not apply to Business Card Credit Card products."'
 rules:
   - id: ihg-hotels
@@ -64,5 +65,8 @@ evidence:
   - rule: welcome_offer
     url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier
     quote: 'Earn 180,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening'
+  - rule: not_with
+    url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier
+    quote: 'not available to either (i) current cardmembers of any personal IHG One Rewards Credit Card'
 todo:
   - The $100 airline statement credit (after $250 on flights bought directly each calendar year, through 12/31/27) isn't modeled.

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

@@ -14,6 +14,8 @@ welcome_offer:
   points: 125000
   spend: 2000
   months: 3
+  not_with:
+    [chase-ihg-one-rewards-premier, chase-ihg-one-rewards-premier-select]
   note: 'Labeled a launch offer; no end date given. Plus 10,000 points after adding an authorized user in the first 3 months. Chase: "available to you if you do not have any personal IHG One Rewards Credit Cards and have not received a new Cardmember bonus within the last 24 months. This does not apply to Business Card Credit Card products."'
 rules:
   - id: ihg-hotels
@@ -60,3 +62,8 @@ evidence:
   - rule: welcome_offer
     url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/one-rewards
     quote: 'Earn 125,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening'
+  - rule: not_with
+    url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/one-rewards
+    quote: 'available to you if you do not have any personal IHG One Rewards Credit Cards'
+todo:
+  - 'Not modeled: 10,000 bonus points after $15,000 in purchases each calendar year (a spend milestone, not a rate).'

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

@@ -13,7 +13,7 @@ welcome_offer:
   points: 90000
   spend: 5000
   months: 3
-  note: 'Up to 100,000 in total: plus 10,000 bonus miles after adding an authorized user in the first 3 months. Not available to current cardmembers of any United Club credit card, or previous cardmembers of any United Club credit card who received a new Cardmember bonus for this card within the last 24 months.'
+  note: "Up to 100,000 in total: plus 10,000 bonus miles after adding an authorized user in the first 3 months. Not available to current cardmembers of any United Club credit card, or previous cardmembers of any United Club credit card who received a new Cardmember bonus for this card within the last 24 months. Chase doesn't say whether that includes the business card, and the page's summary only rules out holders of this card."
 rules:
   - id: united
     match: { merchants: [united] }

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

@@ -13,13 +13,7 @@ source_urls:
 base_rate: 1
 business: true
 annual_fee: 0
-# Gold Star, the basic tier. Executive ($130) pays some of its cost back as
-# Costco's own 2% reward, which earnrate doesn't model.
-requires_membership:
-  id: costco
-  name: a Costco membership
-  annual_fee: 65
-  members_shop_at: [costco, costco-gas, costco-travel]
+requires_membership: costco # its fee is in data/memberships.yaml
 caps:
   # Costco gas, other gas and EV charging share one $7,000 cap. Rewards run on
   # January–December billing statements.

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

@@ -12,13 +12,7 @@ source_urls:
 # redeemable for cash or merchandise at a U.S. Costco warehouse.
 base_rate: 1
 annual_fee: 0
-# Gold Star, the basic tier. Executive ($130) pays some of its cost back as
-# Costco's own 2% reward, which earnrate doesn't model.
-requires_membership:
-  id: costco
-  name: a Costco membership
-  annual_fee: 65
-  members_shop_at: [costco, costco-gas, costco-travel]
+requires_membership: costco # its fee is in data/memberships.yaml
 caps:
   # Costco gas, other gas and EV charging share one $7,000 cap. Rewards run on
   # January–December billing statements.

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

@@ -21,6 +21,7 @@ welcome_offer:
   spend: 0
   months: 1
   valid_to: 2026-12-01
+  not_with: [td-bank-nordstrom-visa]
   note: A $60 Nordstrom Note, not a statement credit, for applying and getting approved for a new Nordstrom credit card between October 12 and December 1, 2026 (the terms say 9pm PT October 11 to 9pm PT December 1). No purchase is required; the Note posts to the Nordy Club account 7-10 business days after approval, so months is only a placeholder. Current and previous Nordstrom credit cardmembers and Nordstrom employees are not eligible.
 rules:
   - id: nordstrom
@@ -67,3 +68,6 @@ evidence:
   - rule: welcome_offer
     url: https://www.nordstrom.com/becomecardmember
     quote: 'approved for a new Nordstrom credit card October 12 - December 1'
+  - 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'

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

@@ -19,6 +19,7 @@ welcome_offer:
   spend: 0
   months: 1
   valid_to: 2026-12-01
+  not_with: [td-bank-nordstrom-credit-card]
   note: A $60 Nordstrom Note, not a statement credit, for applying and getting approved for a new Nordstrom credit card between October 12 and December 1, 2026 (the terms say 9pm PT October 11 to 9pm PT December 1). No purchase is required; the Note posts to the Nordy Club account 7-10 business days after approval, so months is only a placeholder. Current and previous Nordstrom credit cardmembers and Nordstrom employees are not eligible.
 rules:
   - id: nordstrom
@@ -103,3 +104,6 @@ evidence:
   - rule: welcome_offer
     url: https://www.nordstrom.com/becomecardmember
     quote: 'approved for a new Nordstrom credit card October 12 - December 1'
+  - 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'

package/data/categories.yaml

@@ -58,11 +58,13 @@
 - id: gas.superstore
   name: Gas at superstores and warehouse clubs
 - id: ev_charging
+  preposition: on
   name: EV charging
   aliases: [ev, charging]
   mccs: [5552]
 
 - id: transit
+  preposition: on
   name: Transit
   aliases: [public transit, train, trains, bus, commuting]
   mccs: [4111, 4112, 4131, 4784, 7523]
@@ -72,6 +74,7 @@
   mccs: [4121]
 
 - id: travel
+  preposition: on
   name: Travel
   mccs: [4722]
 - id: travel.flights
@@ -92,18 +95,22 @@
   mccs: [4411]
 
 - id: streaming
+  preposition: on
   name: Streaming services
   aliases: [streaming, subscriptions]
   mccs: [4899, 5815]
 - id: tv_internet
+  preposition: on
   name: TV and internet service
   aliases: [internet, cable]
   mccs: [4899]
 - id: phone
+  preposition: on
   name: Cell phone service
   aliases: [phone, cell phone, wireless]
   mccs: [4814]
 - id: utilities
+  preposition: on
   name: Home utilities
   aliases: [utilities, electric, electricity]
   mccs: [4900]
@@ -117,6 +124,7 @@
   aliases: [movies, movie theater]
   mccs: [7832]
 - id: entertainment
+  preposition: on
   name: Live entertainment and events
   aliases: [concerts, events, tickets]
   mccs: [7922, 7941]
@@ -146,15 +154,19 @@
   mccs: [5712]
 
 - id: online_retail
+  preposition: on
   name: Online retail
   aliases: [online shopping, shopping online, online]
 - id: office_supply
   name: Office supply stores
 - id: shipping
+  preposition: on
   name: Shipping and couriers
 - id: online_advertising
+  preposition: on
   name: Social media and search advertising
 
 - id: other
+  slug: everyday-spending
   name: Everything else
   aliases: [everything, everything else, other]

package/data/currencies.yaml

@@ -27,6 +27,8 @@
   value_cents: 1.0
   redemptions:
     sofi-account: 1.0 # SoFi Checking, Savings, Invest, the SoFi Credit Card account, loans, or SoFi Travel
+  redemption_names:
+    sofi-account: into a SoFi account
   sources:
     - https://www.sofi.com/credit-card/unlimited/
     - https://www.sofi.com/card/rewards?cardtype=c

package/data/memberships.yaml

@@ -0,0 +1,33 @@
+# Memberships that raise a card's rates (a rule's `requires.membership`) or
+# that a card can't be had without (a card's `requires_membership`). The
+# fee for one a card needs is quoted in that card's evidence.
+
+- id: amazon-prime
+  name: Amazon Prime
+  ask: I have Amazon Prime
+- id: costco
+  name: Costco membership
+  ask: I have a Costco membership
+  # Gold Star, the basic tier. Executive ($130) pays some of its cost back
+  # as Costco's own 2% reward, which earnrate doesn't model.
+  annual_fee: 65
+  members_shop_at: [costco, costco-gas, costco-travel]
+- id: bank-of-america-account
+  name: Bank of America checking or savings
+  ask: I bank with Bank of America
+- id: bank-of-america-small-business-account
+  name: Bank of America small business checking or savings
+- id: bofa-rewards-member
+  name: BofA Rewards Member
+  group: bofa-preferred-rewards
+- id: bofa-rewards-preferred-plus
+  name: BofA Rewards Preferred Plus
+  group: bofa-preferred-rewards
+- id: bofa-rewards-preferred-honors
+  name: BofA Rewards Preferred Honors
+  group: bofa-preferred-rewards
+- id: bofa-rewards-premier
+  name: BofA Rewards Premier
+  group: bofa-preferred-rewards
+- id: nordy-club-ambassador
+  name: Nordy Club Ambassador

package/data/merchants/overrides.yaml

@@ -2,15 +2,18 @@
 
 # Issuer travel portals. Each issuer's own bonuses match them by id.
 - id: chase-travel
+  kind: portal
   name: Chase Travel
   domains: [travelsecure.chase.com]
   category: travel
 - id: renowned-hotels-chase-travel
+  kind: booking
   name: Renowned Hotels and Resorts (Chase Travel)
   aliases: [renowned hotels, renowned hotels and resorts]
   category: travel
   note: Prepaid stays in the Renowned Hotels and Resorts collection for United cardmembers on Chase Travel.
 - id: costco-travel
+  kind: portal
   name: Costco Travel
   domains: [costcotravel.com]
   category: travel
@@ -25,6 +28,7 @@
   domains: [aadvantagecars.com]
   category: travel
 - id: amex-travel
+  kind: portal
   name: American Express Travel
   aliases: [amex travel]
   domains: [amextravel.com]
@@ -42,15 +46,18 @@
 # bank's own bonuses match these merchants by id. Bonuses that depend on what's
 # booked get one merchant per booking type.
 - id: amex-travel-hotels
+  kind: booking
   name: Hotel through Amex Travel
   aliases: [amex travel hotel, amex travel hotels, hotel amex travel]
   category: travel
   note: Prepaid hotels only for the Amex bonuses.
 - id: amex-travel-flights
+  kind: booking
   name: Flight through Amex Travel
   aliases: [amex travel flight, amex travel flights, flight amex travel]
   category: travel
 - id: airbnb-amex-travel
+  kind: booking
   name: Airbnb through Amex Travel
   aliases:
     [
@@ -62,18 +69,22 @@
   category: travel
   note: Prepaid Airbnb stays booked in AmexTravel.com or the Amex Travel app, with your Airbnb account linked to Amex.
 - id: amex-travel-car-rentals
+  kind: booking
   name: Car rental through Amex Travel
   aliases: [amex travel car rental, amex travel car]
   category: travel
 - id: amex-travel-cruises
+  kind: booking
   name: Cruise through Amex Travel
   aliases: [amex travel cruise]
   category: travel
 - id: usbank-travel-center
+  kind: portal
   name: U.S. Bank Travel Center
   aliases: [us bank travel center]
   category: travel
 - id: sofi-travel
+  kind: portal
   name: SoFi Travel
   category: travel
 
@@ -177,38 +188,45 @@
 # Card issuers' travel and ticketing sites (see the Amex Travel note above).
 - {
     id: capital-one-travel,
+    kind: portal,
     name: Capital One Travel,
     aliases: [capital one travel],
     category: travel,
   }
 - {
     id: capital-one-travel-hotels,
+    kind: booking,
     name: Hotel through Capital One Travel,
     aliases: [capital one travel hotel],
     category: travel,
   }
 - id: capital-one-travel-vacation-rentals
+  kind: booking
   name: Vacation rental through Capital One Travel
   aliases: [capital one travel vacation rental]
   category: travel
 - {
     id: capital-one-travel-car-rentals,
+    kind: booking,
     name: Car rental through Capital One Travel,
     aliases: [capital one travel car rental],
     category: travel,
   }
 - {
     id: capital-one-travel-flights,
+    kind: booking,
     name: Flight through Capital One Travel,
     aliases: [capital one travel flight],
     category: travel,
   }
 - id: capital-one-entertainment
+  kind: portal
   name: Capital One Entertainment
   aliases: [capital one entertainment tickets]
   category: entertainment
 - {
     id: citi-travel,
+    kind: portal,
     name: Citi Travel,
     aliases: [citi travel],
     domains: [cititravel.com],
@@ -216,42 +234,49 @@
   }
 - {
     id: citi-travel-hotels,
+    kind: booking,
     name: Hotel through Citi Travel,
     aliases: [citi travel hotel],
     category: travel,
   }
 - {
     id: citi-travel-car-rentals,
+    kind: booking,
     name: Car rental through Citi Travel,
     aliases: [citi travel car rental],
     category: travel,
   }
 - {
     id: citi-travel-attractions,
+    kind: booking,
     name: Attraction through Citi Travel,
     aliases: [citi travel attraction],
     category: travel,
   }
 - {
     id: citi-travel-flights,
+    kind: booking,
     name: Flight through Citi Travel,
     aliases: [citi travel flight],
     category: travel,
   }
 - {
     id: bilt-travel,
+    kind: portal,
     name: Bilt Travel,
     aliases: [bilt travel],
     category: travel,
   }
 - {
     id: bilt-travel-hotels,
+    kind: booking,
     name: Hotel through Bilt Travel,
     aliases: [bilt travel hotel],
     category: travel,
   }
 - {
     id: bilt-travel-flights,
+    kind: booking,
     name: Flight through Bilt Travel,
     aliases: [bilt travel flight],
     category: travel,

package/dist/cli/cheatsheet.js

@@ -6,7 +6,7 @@ import { ALL_PERSONAL_CARDS } from "../engine/explore.js";
 import { isValuationProfile, VALUATION_PROFILES, withValuationProfile, } from "../engine/profiles.js";
 import { formatCheatSheet } from "../format/cheat-sheet.js";
 import { cardList, dateProblem, valuationProblem } from "./args.js";
-import { cardsToUse, NO_WALLET_HINT, RUNTIME_ERROR, USAGE_ERROR, } from "./run.js";
+import { cardsToUse, NO_WALLET_HINT, RUNTIME_ERROR, savedSettings, USAGE_ERROR, } from "./run.js";
 const CHEATSHEET_HELP = `Usage: ${CLI_NAME} cheatsheet [options]
 
 The card to use for each everyday kind of purchase this quarter: from your
@@ -64,7 +64,7 @@ export async function runCheatSheet(argv, io) {
             memberships: values.member ?? [],
             valuations: values.valuation !== undefined && isValuationProfile(values.valuation)
                 ? VALUATION_PROFILES[values.valuation]
-                : {},
+                : (await savedSettings(io)).valuations,
         });
         io.stdout(values.json
             ? `${JSON.stringify(sheet, null, 2)}\n`