earnrate 0.2.4 → 0.2.6

package/data/cards/chase-southwest-premier.yaml

@@ -3,11 +3,12 @@ name: Southwest Rapid Rewards Premier Credit Card
 issuer: chase
 network: visa
 currency: southwest-rapid-rewards
-last_verified: 2026-10-31
+last_verified: 2026-11-01
 verified_by: claude
 source_urls:
   - https://creditcards.chase.com/travel-credit-cards/southwest/premier
   - https://www.chase.com/personal/credit-cards/rewards-category-faq
+  - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC64337.html
 base_rate: 1
 annual_fee: 149
 welcome_offer:
@@ -36,12 +37,12 @@ rules:
     match: { categories: [dining] }
     rate: 2
     cap: grocery-and-dining
-    note: Shares an $8,000 per account anniversary year cap with grocery stores.
+    note: Shares an $8,000 per account anniversary year cap with grocery stores. Bakeries, caterers, meal kit delivery and gift card merchants don't count; delivery and takeout count only if they code as a restaurant.
   - id: lyft
     match: { merchants: [lyft] }
     rate: 3
     valid_to: 2027-12-31
-    note: Limited-time offer on rides, bikes, scooters and Lyft memberships bought in the Lyft app. Gift cards and Lyft car rentals are excluded.
+    note: Limited-time offer on rides, bikes, scooters, Lyft memberships and Lyft Cash bought in the Lyft app. Gift cards, Lyft car rentals, vehicle service centers and miscellaneous fees are excluded.
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: annual_fee
@@ -74,3 +75,12 @@ evidence:
   - rule: not_with
     url: https://creditcards.chase.com/travel-credit-cards/southwest/premier
     quote: 'not available to either (i) current Cardmembers of any Southwest Rapid Rewards® Credit Card'
+  - rule: annual_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC64337.html
+    quote: 'Annual Membership Fee $149'
+  - rule: lyft
+    url: https://creditcards.chase.com/travel-credit-cards/southwest/premier
+    quote: 'Purchase of gift cards, car rentals, vehicle service centers, miscellaneous fees and other Lyft products and services are excluded'
+  - rule: dining
+    url: https://www.chase.com/personal/credit-cards/rewards-category-faq
+    quote: 'Bakeries, caterers, meal kit delivery services, and gift card merchants are not included in the category.'

package/data/cards/chase-southwest-priority.yaml

@@ -3,10 +3,12 @@ name: Southwest Rapid Rewards Priority Credit Card
 issuer: chase
 network: visa
 currency: southwest-rapid-rewards
-last_verified: 2026-10-31
+last_verified: 2026-11-01
 verified_by: claude
 source_urls:
   - https://creditcards.chase.com/travel-credit-cards/southwest/priority
+  - https://www.chase.com/personal/credit-cards/rewards-category-faq
+  - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC64414.html
 base_rate: 1
 annual_fee: 229
 welcome_offer:
@@ -23,14 +25,16 @@ rules:
   - id: gas
     match: { categories: [gas] }
     rate: 2
+    note: Not truck stops, marinas, oil and propane distributors or home heating companies.
   - id: dining
     match: { categories: [dining] }
     rate: 2
+    note: Bakeries, caterers, meal kit delivery and gift card merchants don't count; delivery and takeout count only if they code as a restaurant.
   - id: lyft
     match: { merchants: [lyft] }
     rate: 5
     valid_to: 2027-12-31
-    note: Limited-time offer on rides, bikes, scooters and Lyft memberships bought in the Lyft app. Gift cards and Lyft car rentals are excluded.
+    note: Limited-time offer on rides, bikes, scooters, Lyft memberships and Lyft Cash bought in the Lyft app. Gift cards, Lyft car rentals, vehicle service centers and miscellaneous fees are excluded.
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: annual_fee
@@ -60,3 +64,15 @@ evidence:
   - rule: not_with
     url: https://creditcards.chase.com/travel-credit-cards/southwest/priority
     quote: 'not available to either (i) current Cardmembers of any Southwest Rapid Rewards® Credit Card'
+  - rule: annual_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC64414.html
+    quote: 'Annual Membership Fee $229'
+  - rule: lyft
+    url: https://creditcards.chase.com/travel-credit-cards/southwest/priority
+    quote: 'Purchase of gift cards, car rentals, vehicle service centers, miscellaneous fees and other Lyft products and services are excluded'
+  - rule: gas
+    url: https://www.chase.com/personal/credit-cards/rewards-category-faq
+    quote: 'truck stops, boat marinas, oil and propane distributors, and home heating companies'
+  - rule: dining
+    url: https://www.chase.com/personal/credit-cards/rewards-category-faq
+    quote: 'Bakeries, caterers, meal kit delivery services, and gift card merchants are not included in the category.'

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

@@ -3,8 +3,8 @@ name: United Business Card
 issuer: chase
 network: visa
 currency: united-miles
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://creditcards.chase.com/business-credit-cards/united/united-business-card
   - https://www.chase.com/personal/credit-cards/rewards-category-faq
@@ -80,3 +80,6 @@ evidence:
   - rule: local-transit
     url: https://www.chase.com/personal/credit-cards/rewards-category-faq
     quote: 'operators of passenger trains, buses, taxis, limousines, rideshare, ferries, toll bridges and highways'
+  - rule: dining
+    url: https://www.chase.com/personal/credit-cards/rewards-category-faq
+    quote: 'Delivery and takeout services will be included if they classify as a restaurant merchant'

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

@@ -3,8 +3,8 @@ name: United Club Business Card
 issuer: chase
 network: visa
 currency: united-miles
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://creditcards.chase.com/business-credit-cards/united/united-club-business
 base_rate: 1.5

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

@@ -3,17 +3,18 @@ name: United Club Card
 issuer: chase
 network: visa
 currency: united-miles
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://creditcards.chase.com/travel-credit-cards/united/united-club
+  - https://www.chase.com/personal/credit-cards/rewards-category-faq
 base_rate: 1
 annual_fee: 695
 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] }
@@ -26,7 +27,7 @@ rules:
   - id: travel
     match: { categories: [travel] }
     rate: 2
-    note: Includes airfare, trains, cruise lines, hotels, car rentals and resorts.
+    note: Includes airfare, trains, cruise lines, hotels, car rentals and resorts. Chase's travel category leaves out in-flight and on-board cruise purchases, sightseeing and attractions, merchants inside hotels and airports, and sellers of gift cards, points or miles.
   - id: transit-as-travel
     match: { categories: [transit] }
     rate: 2
@@ -72,3 +73,15 @@ evidence:
   - rule: dining
     url: https://creditcards.chase.com/travel-credit-cards/united/united-club
     quote: 'dining at restaurants including takeout and eligible delivery services'
+  - rule: travel
+    url: https://www.chase.com/personal/credit-cards/rewards-category-faq
+    quote: 'Purchases from gift card merchants or merchants that sell points or miles will not qualify in the travel category'
+  - rule: travel
+    url: https://www.chase.com/personal/credit-cards/rewards-category-faq
+    quote: 'in-flight goods and services, on-board cruise line goods and services, sightseeing activities, excursions, tourist attractions'
+  - rule: transit-as-travel
+    url: https://www.chase.com/personal/credit-cards/rewards-category-faq
+    quote: 'discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries'
+  - rule: dining
+    url: https://www.chase.com/personal/credit-cards/rewards-category-faq
+    quote: 'Delivery and takeout services will be included if they classify as a restaurant merchant'

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

@@ -3,8 +3,8 @@ name: United Explorer Card
 issuer: chase
 network: visa
 currency: united-miles
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://creditcards.chase.com/travel-credit-cards/united/united-explorer
   - https://www.chase.com/personal/credit-cards/rewards-category-faq
@@ -66,3 +66,6 @@ evidence:
   - rule: hotels-direct
     url: https://www.chase.com/personal/credit-cards/rewards-category-faq
     quote: 'Hotel accommodations not booked directly with the hotel will not qualify'
+  - rule: dining
+    url: https://www.chase.com/personal/credit-cards/rewards-category-faq
+    quote: 'Delivery and takeout services will be included if they classify as a restaurant merchant'

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

@@ -3,8 +3,8 @@ name: United Gateway Card
 issuer: chase
 network: visa
 currency: united-miles
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://creditcards.chase.com/travel-credit-cards/united/united-gateway
   - https://www.chase.com/personal/credit-cards/rewards-category-faq

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

@@ -3,8 +3,8 @@ name: United Quest Card
 issuer: chase
 network: visa
 currency: united-miles
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://creditcards.chase.com/travel-credit-cards/united/united-quest
   - https://www.chase.com/personal/credit-cards/rewards-category-faq
@@ -27,7 +27,7 @@ rules:
   - id: travel
     match: { categories: [travel] }
     rate: 2
-    note: Includes airfare, trains, cruise lines, hotels, car rentals and resorts.
+    note: Includes airfare, trains, cruise lines, hotels, car rentals and resorts. Chase's travel category leaves out in-flight and on-board cruise purchases, sightseeing and attractions, merchants inside hotels and airports, and sellers of gift cards, points or miles.
   - id: transit-as-travel
     match: { categories: [transit] }
     rate: 2
@@ -83,3 +83,12 @@ evidence:
   - rule: streaming
     url: https://www.chase.com/personal/credit-cards/rewards-category-faq
     quote: 'Only subscriptions paid for, or purchases made with the following select merchants will qualify for this category'
+  - rule: travel
+    url: https://www.chase.com/personal/credit-cards/rewards-category-faq
+    quote: 'Purchases from gift card merchants or merchants that sell points or miles will not qualify in the travel category'
+  - rule: travel
+    url: https://www.chase.com/personal/credit-cards/rewards-category-faq
+    quote: 'in-flight goods and services, on-board cruise line goods and services, sightseeing activities, excursions, tourist attractions'
+  - rule: dining
+    url: https://www.chase.com/personal/credit-cards/rewards-category-faq
+    quote: 'Delivery and takeout services will be included if they classify as a restaurant merchant'

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

@@ -3,7 +3,7 @@ name: Citi / AAdvantage Business World Elite Mastercard
 issuer: citi
 network: mastercard
 currency: aadvantage-miles
-last_verified: 2026-10-31
+last_verified: 2026-11-01
 verified_by: claude
 source_urls:
   - https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card
@@ -17,16 +17,16 @@ welcome_offer:
   points: 75000
   spend: 5000
   months: 5
-  note: "Miles post to the business's AAdvantage Business account. Not available if you received a new account bonus for a Citi / AAdvantage Business account in the past 48 months, or converted another Citi card on which you earned a new account bonus in the last 48 months into one."
+  note: "Miles post to the business's AAdvantage Business account. Not available if you received a new account bonus for a Citi / AAdvantage Business account in the past 48 months, or converted another Citi card on which you earned a new account bonus in the last 48 months into one. Citi's terms also exclude anyone who got a new account bonus for a CitiBusiness / AAdvantage Platinum Select account in the past 48 months."
 rules:
   - id: american-airlines
     match: { merchants: [american-airlines] }
     rate: 2
-    note: Items billed by American Airlines as the merchant of record. Car rentals, hotel reservations, status boosts or renewals, and AA Cargo don't count.
+    note: Items billed by American Airlines as the merchant of record. Car rentals booked on aadvantagecars.com and hotels booked on aadvantagehotels.com don't count.
   - id: car-rentals
     match: { categories: [travel.car_rental] }
     rate: 2
-    note: Car and truck rental merchants. Not RV or motor home rentals, nor rentals bought through travel agencies, tour operators or third-party travel sites.
+    note: Car, truck and van rental merchants. Not RV or motor home rentals, nor rentals bought through travel agencies, tour operators or third-party travel sites, nor car rental redemptions through Rocketmiles.
   - id: gas-stations
     match: { categories: [gas] }
     exclude: { categories: [gas.superstore] }
@@ -49,6 +49,9 @@ 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.'
+  - 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'
   - 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'
@@ -64,6 +67,9 @@ evidence:
   - 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'
   - 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

@@ -3,17 +3,17 @@ name: Citi / AAdvantage Executive World Legend Mastercard
 issuer: citi
 network: mastercard
 currency: aadvantage-miles
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard
 base_rate: 1
 annual_fee: 695
 welcome_offer:
-  points: 125000
-  spend: 15000
-  months: 5
-  note: 'Citi labels it a limited time offer but states no end date. Not available if you received a new account bonus for a Citi / AAdvantage Executive account in the past 48 months, or converted another Citi card on which you earned a new account bonus in the last 48 months into one.'
+  points: 80000
+  spend: 8000
+  months: 3
+  note: 'Not available if you received a new account bonus for a Citi / AAdvantage Executive account in the past 48 months, or converted another Citi card on which you earned a new account bonus in the last 48 months into one.'
 rules:
   - id: aadvantage-hotels
     match: { merchants: [aadvantage-hotels] }
@@ -22,7 +22,7 @@ rules:
   - id: aadvantage-cars
     match: { merchants: [aadvantage-cars] }
     rate: 12
-    note: Car rentals booked on aadvantagecars.com from a U.S., Canada or Mexico point of sale. Payless rentals don't count. Only the part paid with the card earns.
+    note: Car rentals booked on aadvantagecars.com from a U.S., Canada or Mexico point of sale. Payless rentals and rentals booked through American Airlines Vacations don't count. Only the part paid with the card earns.
   - id: american-airlines
     match: { merchants: [american-airlines] }
     rate: 4
@@ -57,7 +57,7 @@ evidence:
     quote: 'Annual fee: $695. Annual fee for Authorized Users: $175'
   - rule: welcome_offer
     url: https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard
-    quote: 'Earn 125,000 AAdvantage® bonus miles after $15,000 in purchases in the first 5 months'
+    quote: 'Earn 80,000 AAdvantage® bonus miles after $8,000 in purchases in the first 3 months'
   - rule: welcome_offer
     url: https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard
     quote: 'new account bonus for a Citi® / AAdvantage® Executive account in the past 48 months'

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

@@ -1,10 +1,12 @@
 id: citi-aadvantage-mileup
 name: American Airlines AAdvantage MileUp Card
 issuer: citi
+# The card page's ID Theft Protection terms have cardholders enroll "with your
+# Citibank Mastercard", and its footer carries the Mastercard trademark notice.
 network: mastercard
 currency: aadvantage-miles
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://www.citi.com/credit-cards/aadvantage-mile-up-credit-card
 base_rate: 1
@@ -25,8 +27,6 @@ rules:
     rate: 2
     note: Supermarkets, meat and dairy stores, convenience stores, markets, specialty food vendors, bakeries and grocery delivery services. Not superstores, warehouse clubs, candy stores, cafes, bars or fast food.
 # Not modeled: 25% off inflight food and drink. Miles also earn Loyalty Points toward status, which aren't card earnings.
-todo:
-  - Network set to mastercard, but the card page doesn't state it. Check your card.
 evidence:
   - rule: base_rate
     url: https://www.citi.com/credit-cards/aadvantage-mile-up-credit-card
@@ -46,6 +46,9 @@ evidence:
   - rule: grocery-stores
     url: https://www.citi.com/credit-cards/aadvantage-mile-up-credit-card
     quote: 'discount superstores, wholesale'
+  - 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'
   - 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

@@ -3,7 +3,7 @@ name: Citi / AAdvantage Platinum Select World Elite Mastercard
 issuer: citi
 network: mastercard
 currency: aadvantage-miles
-last_verified: 2026-10-31
+last_verified: 2026-11-01
 verified_by: claude
 source_urls:
   - https://www.citi.com/credit-cards/citi-aadvantage-platinum-elite-credit-card

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

@@ -3,7 +3,7 @@ name: Costco Anywhere Visa Business Card by Citi
 issuer: citi
 network: visa
 currency: cash
-last_verified: 2026-10-31
+last_verified: 2026-11-01
 verified_by: claude
 source_urls:
   - https://www.citi.com/credit-cards/costco-anywhere-visa-business-card
@@ -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.
@@ -38,7 +32,7 @@ rules:
     exclude: { categories: [gas.superstore, gas.grocery_store] }
     rate: 4
     cap: gas-and-ev-combined
-    note: Other eligible gas and EV charging worldwide. Gas or EV charging at some superstores, supermarkets and warehouse clubs other than Costco, and fuel for non-automobile use, earn 1%. Citi keeps a list of excluded merchants at citi.com/Costco_Exclusions.
+    note: Other eligible gas and EV charging worldwide. Gas or EV charging at some superstores, supermarkets and warehouse clubs other than Costco, and fuel for non-automobile use, earn 1%. Citi keeps a list of excluded merchants at citi.com/Costco_Exclusions (a PDF naming Walmart, Sam's Club, BJ's, Target, Meijer, Kroger, Albertsons, Safeway and other grocers).
   - id: restaurants
     match: { categories: [dining] }
     rate: 3
@@ -84,6 +78,9 @@ evidence:
   - rule: costco-travel
     url: https://www.citi.com/credit-cards/costco-anywhere-visa-business-card
     quote: 'On restaurants and eligible travel, including Costco Travel'
+  - rule: restaurants
+    url: https://www.citi.com/credit-cards/costco-anywhere-visa-business-card
+    quote: 'for purchases made at bakeries and certain restaurants'
   - 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

@@ -3,8 +3,8 @@ name: Costco Anywhere Visa Card by Citi
 issuer: citi
 network: visa
 currency: cash
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://www.citi.com/credit-cards/citi-costco-anywhere-visa-credit-card
   - https://www.costco.com/join-costco.html
@@ -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.
@@ -37,7 +31,7 @@ rules:
     exclude: { categories: [gas.superstore, gas.grocery_store] }
     rate: 4
     cap: gas-and-ev-combined
-    note: Other eligible gas and EV charging worldwide. Gas or EV charging at superstores, supermarkets and warehouse clubs other than Costco, and fuel for non-automobile use, earn 1%. Citi keeps a list of excluded merchants at citi.com/Costco_Exclusions.
+    note: Other eligible gas and EV charging worldwide. Gas or EV charging at some superstores, supermarkets and warehouse clubs other than Costco, and fuel for non-automobile use, earn 1%. Citi keeps a list of excluded merchants at citi.com/Costco_Exclusions (a PDF naming Walmart, Sam's Club, BJ's, Target, Meijer, Kroger, Albertsons, Safeway and other grocers).
   - id: restaurants
     match: { categories: [dining] }
     rate: 3
@@ -83,6 +77,9 @@ evidence:
   - rule: costco-travel
     url: https://www.citi.com/credit-cards/citi-costco-anywhere-visa-credit-card
     quote: 'On restaurants and eligible travel, including Costco Travel'
+  - rule: restaurants
+    url: https://www.citi.com/credit-cards/citi-costco-anywhere-visa-credit-card
+    quote: 'for purchases made at bakeries and certain restaurants'
   - 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

@@ -3,8 +3,8 @@ name: Citi Custom Cash Card
 issuer: citi
 network: mastercard
 currency: cash
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+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
@@ -61,19 +61,29 @@ choices:
       home-improvement-stores: [home_improvement]
       fitness-clubs: [fitness]
       live-entertainment: [entertainment]
+caps:
+  # Only one category earns 5% each billing cycle, so both 5% rules share it.
+  - id: top-category
+    amount: 500
+    period: month
+    then_rate: 1
 rules:
+  # Restaurant exclusions only apply when restaurants are the top category:
+  # Dodger Stadium tickets still count as live entertainment, and the
+  # Bellagio's rooms as select travel.
+  - id: top-category-restaurants
+    match: { choice: top-category, categories: [dining] }
+    exclude: { merchants: [doordash, uber-eats, dodger-stadium, bellagio] }
+    rate: 5
+    cap: top-category
+    note: When restaurants are the top category. Includes cafes, bars, lounges and fast food. Excludes bakeries, caterers, restaurants inside another business (hotels, stores, stadiums, grocery stores, warehouse clubs) and third-party dining delivery services. The first $500 in the billing cycle, then 1%.
   - id: top-category
     match: { choice: top-category }
-    # Third-party dining delivery doesn't count as restaurants; gas at
-    # warehouse clubs and discount stores doesn't count as gas.
-    exclude:
-      {
-        categories: [gas.superstore],
-        merchants: [doordash, uber-eats, dodger-stadium, bellagio],
-      }
+    # Gas at warehouse clubs and discount stores doesn't count as gas.
+    exclude: { categories: [dining, gas.superstore] }
     rate: 5
-    cap: { amount: 500, period: month, then_rate: 1 }
-    note: Citi applies 5% automatically to your highest-spend eligible category each billing cycle (its decision is final), on the first $500 spent, then 1%. Grocery includes supermarkets, meat/seafood and dairy stores, bakeries and convenience stores, but not superstores or warehouse clubs. Select travel is airlines, hotels, cruise lines and travel agencies. Select transit includes car rentals, rail, subways, taxis and car services, tolls, parking, buses and EV charging. Streaming bundled with another product or billed by a third party doesn't count.
+    cap: top-category
+    note: Citi applies 5% automatically to your highest-spend eligible category each billing cycle (its decision is final), on the first $500 spent, then 1%. Grocery includes supermarkets, meat/seafood and dairy stores, bakeries and convenience stores, but not superstores, warehouse clubs or candy stores; online grocery and grocery delivery count only if the merchant codes as a supermarket. Select travel is airlines, hotels, cruise lines and travel agencies, not timeshares or campgrounds. Select transit includes car rentals, rail, subways, taxis and car services, tolls, parking, buses and EV charging, not bike or scooter rentals. Streaming bundled with another product or billed by a third party doesn't count. Live entertainment excludes movie theaters, museums and tourist attractions.
   - id: citi-travel-hotels-cars-attractions
     match:
       {
@@ -85,7 +95,7 @@ rules:
           ],
       }
     rate: 5
-    note: 4 extra points per $1 on top of the 1% base, for hotels, car rentals and attractions booked with Citi Travel. Citi's terms don't say whether the extra 4 also stacks on the 5% when travel or transit is the top category.
+    note: 4 extra points per $1 on top of the 1% base, for hotels, car rentals and attractions booked with Citi Travel. Only the part paid with the card earns, and canceled bookings don't. Citi's terms don't say whether the extra 4 also stacks on the 5% when travel or transit is the top category.
 todo:
   - Network set to mastercard, but no current Citi page states it (the card page is now a "Not Available" stub). Check your card.
   - Travel agencies (MCC 4722) count toward select travel, but a choice option can only list categories or merchants, so they aren't in the option.
@@ -114,6 +124,27 @@ evidence:
   - rule: top-category
     url: https://www.thankyou.com/ccterms
     quote: 'Citibank shall have the sole right to determine the highest spend category each billing cycle'
+  - rule: top-category-restaurants
+    url: https://www.thankyou.com/ccterms
+    quote: 'Includes purchases at cafes, bars, lounges and fast food restaurants.'
+  - rule: top-category-restaurants
+    url: https://www.thankyou.com/ccterms
+    quote: 'Excludes purchases at bakeries, caterers, restaurants located inside another business'
+  - rule: top-category-restaurants
+    url: https://www.thankyou.com/ccterms
+    quote: 'and third party dining delivery services'
+  - rule: top-category
+    url: https://www.thankyou.com/ccterms
+    quote: 'Excludes gasoline purchases at warehouse clubs, discount stores, convenience stores'
+  - rule: top-category
+    url: https://www.thankyou.com/ccterms
+    quote: 'Excludes purchases at general merchandise/discount superstores; wholesale/warehouse clubs'
+  - rule: top-category
+    url: https://www.thankyou.com/ccterms
+    quote: 'if the charge is bundled with another product, membership, or service'
+  - 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'

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

@@ -3,8 +3,8 @@ name: Citi Double Cash Card
 issuer: citi
 network: mastercard
 currency: cash
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://www.citi.com/credit-cards/citi-double-cash-credit-card
   - https://www.thankyou.com/dcterms
@@ -36,7 +36,7 @@ rules:
           ],
       }
     rate: 5
-    note: 3 extra points per $1 on top of the 1 on purchase and 1 on payment, for hotels, car rentals and attractions booked with Citi Travel. Flights booked through Citi Travel earn the base 2%.
+    note: 3 extra points per $1 on top of the 1 on purchase and 1 on payment, for hotels, car rentals and attractions booked with Citi Travel. Flights booked through Citi Travel earn the base 2%. Only the part paid with the card earns, and canceled bookings don't.
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
@@ -54,6 +54,12 @@ 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'
+  - 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'
+  - rule: citi-travel-hotels-cars-attractions
+    url: https://www.thankyou.com/dcterms
+    quote: 'only the portion paid with your card will earn points'
   - rule: pools_into
     url: https://www.thankyou.com/dcterms
     quote: 'You can combine them into one ThankYou Account'

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

@@ -3,8 +3,8 @@ name: My Best Buy Visa Card
 issuer: citi
 network: visa
 currency: best-buy-rewards
-last_verified: 2026-10-24
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://www.citi.com/credit-cards/citi-best-buy-credit-cards
 # Rates are points per dollar. A point is worth 2¢ in Best Buy rewards, so 2.5
@@ -15,7 +15,7 @@ rules:
   - id: best-buy
     match: { merchants: [best-buy, pacific-kitchen-home] }
     rate: 2.5
-    note: Only when paying with Standard Credit, not a financing plan. My Best Buy Plus/Total members also earn the membership's own rewards, counted separately.
+    note: Only when paying with Standard Credit, not a financing plan; tax doesn't earn. My Best Buy Plus/Total members also earn the membership's own rewards, counted separately.
   - id: gas
     match: { categories: [gas] }
     rate: 1.5
@@ -38,6 +38,9 @@ evidence:
   - rule: best-buy
     url: https://www.citi.com/credit-cards/citi-best-buy-credit-cards
     quote: 'or Pacific Kitchen & Home'
+  - rule: best-buy
+    url: https://www.citi.com/credit-cards/citi-best-buy-credit-cards
+    quote: 'are only awarded when you select Standard Credit'
   - 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

@@ -3,10 +3,11 @@ name: Citi Strata Elite Card
 issuer: citi
 network: mastercard
 currency: TYP
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://www.citi.com/credit-cards/citi-strata-elite-credit-card
+  - https://www.thankyou.com/terms
 base_rate: 1.5
 annual_fee: 595
 welcome_offer:
@@ -53,12 +54,21 @@ evidence:
   - 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'
+  - rule: citi-travel-air
+    url: https://www.thankyou.com/terms
+    quote: '6 ThankYou Points for each $1 spent on air travel booked through Citi Travel'
   - rule: restaurants
     url: https://www.citi.com/credit-cards/citi-strata-elite-credit-card
     quote: '3 points per dollar spent at Restaurants any other time'
   - 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'
+  - rule: restaurants
+    url: https://www.thankyou.com/terms
+    quote: '3 ThankYou Points for each $1 spent at restaurants, including restaurant delivery services'
+  - rule: restaurants
+    url: https://www.thankyou.com/terms
+    quote: 'Citi Nights eligibility is based on the day and time your restaurant purchase is authorized'
   - rule: annual_fee
     url: https://www.citi.com/credit-cards/citi-strata-elite-credit-card
     quote: 'Minimum interest charge – $0.50. Annual fee - $595.'