earnrate 0.2.4 → 0.2.6

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

@@ -3,10 +3,11 @@ name: Citi Strata Premier 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-premier-credit-card
+  - https://www.thankyou.com/terms
 base_rate: 1
 annual_fee: 95
 welcome_offer:
@@ -60,6 +61,9 @@ evidence:
   - rule: citi-travel-hotels-cars-attractions
     url: https://www.citi.com/credit-cards/citi-strata-premier-credit-card
     quote: '10 points per dollar spent on Hotels, Car Rentals and Attractions booked on cititravel.com'
+  - rule: citi-travel-hotels-cars-attractions
+    url: https://www.thankyou.com/terms
+    quote: 'you won’t earn points on the portion of the purchase that is offset by the benefit'
   - rule: air-travel-and-other-hotels
     url: https://www.citi.com/credit-cards/citi-strata-premier-credit-card
     quote: '3 points per dollar spent on Air Travel and Other Hotel Purchases'
@@ -72,12 +76,30 @@ evidence:
   - rule: restaurants
     url: https://www.citi.com/credit-cards/citi-strata-premier-credit-card
     quote: '3 points per dollar spent at Restaurants'
+  - rule: restaurants
+    url: https://www.thankyou.com/terms
+    quote: 'fast-food restaurants, restaurant delivery services, and take out restaurants'
+  - rule: restaurants
+    url: https://www.thankyou.com/terms
+    quote: 'Excludes purchases at bakeries, caterers, and restaurants located inside another business'
   - rule: supermarkets
     url: https://www.citi.com/credit-cards/citi-strata-premier-credit-card
     quote: '3 points per dollar spent at Supermarkets'
+  - rule: supermarkets
+    url: https://www.thankyou.com/terms
+    quote: 'Excludes purchases made at general merchandise/discount superstores; freezer/meat locker provisioners'
+  - rule: supermarkets
+    url: https://www.thankyou.com/terms
+    quote: 'drugstores; warehouse/wholesale clubs; specialty food markets; bakeries'
+  - rule: supermarkets
+    url: https://www.thankyou.com/terms
+    quote: 'if the merchant does not classify itself as a supermarket by using the supermarket merchant code'
   - rule: gas-and-ev-charging
     url: https://www.citi.com/credit-cards/citi-strata-premier-credit-card
     quote: '3 points per dollar spent on Gas & EV Charging Stations'
+  - rule: gas-and-ev-charging
+    url: https://www.thankyou.com/terms
+    quote: 'Excludes gas and EV charging purchases at warehouse clubs, discount stores, department stores, convenience stores'
   - rule: annual_fee
     url: https://www.citi.com/credit-cards/citi-strata-premier-credit-card
     quote: 'Annual fee - $95. Fee for foreign purchases - None.'

package/data/cards/sofi-unlimited-2.yaml

@@ -3,17 +3,19 @@ name: SoFi Unlimited 2% Credit Card
 issuer: sofi
 network: mastercard
 currency: sofi-rewards
-last_verified: 2026-10-24
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://www.sofi.com/credit-card/unlimited/
+  - https://www.sofi.com/card/rewards?cardType=c
+  - https://www.sofi.com/card/terms?cardType=c
 base_rate: 2
 annual_fee: 0
 rules:
   - id: sofi-travel
     match: { merchants: [sofi-travel] }
     rate: 3
-    note: Trips booked through the SoFi Travel portal (run by Expedia).
+    note: Trips booked through the SoFi Travel portal (run by Expedia), reached from SoFi's website or app. Booking on Expedia's own site or app doesn't count.
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
@@ -22,8 +24,20 @@ evidence:
   - rule: sofi-travel
     url: https://www.sofi.com/credit-card/unlimited/
     quote: 'equal to 3% of the total amount you spend'
+  - rule: base_rate
+    url: https://www.sofi.com/card/rewards?cardType=c
+    quote: 'You will earn 2 SoFi Rewards Point for each dollar ($1.00) you spend on your SoFi Credit Card.'
+  - rule: sofi-travel
+    url: https://www.sofi.com/card/rewards?cardType=c
+    quote: 'You will earn 3% cash back Rewards Points for SoFi Travel purchases.'
+  - rule: sofi-travel
+    url: https://www.sofi.com/credit-card/unlimited/
+    quote: 'Travel booked directly on Expedia’s website or app, or any other site operated or powered by Expedia is not eligible.'
   - rule: annual_fee
     url: https://www.sofi.com/credit-card/unlimited/
     quote: 'you’ll pay no annual fee whatsoever'
+  - rule: annual_fee
+    url: https://www.sofi.com/card/terms?cardType=c
+    quote: 'FEES Annual Fee None Transaction Fees'
 todo:
   - 'No public welcome offer: the page says the card is currently invite only (apply with a mailed reservation code), and shows no bonus.'

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

@@ -4,8 +4,8 @@ issuer: td-bank
 network: store
 only_at: [nordstrom, nordstrom-rack]
 currency: nordy-club
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://www.nordstrom.com/browse/nordy-club
   - https://www.nordstrom.com/browse/nordy-club/faq
@@ -21,12 +21,13 @@ 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
     match: { merchants: [nordstrom] }
     rate: 1
-    note: Card's own share only. Cardmembers start at Influencer status and earn 2 points per dollar at Nordstrom and Nordstrom.com, 1 of which any member earns paying any way. Paid through Apple Pay, Google Pay or PayPal it's 1 point per dollar, so nothing extra.
+    note: Card's own share only. Cardmembers start at Influencer status and earn 2 points per dollar at Nordstrom and Nordstrom.com, 1 of which any member earns paying any way. Apple Pay and Google Pay with the card still earn the full rate; through PayPal or another third-party processor, or another contactless method, it's 1 point per dollar, so nothing extra.
   - id: nordstrom-ambassador
     match: { merchants: [nordstrom] }
     rate: 2
@@ -67,3 +68,15 @@ 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'
+  - 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"
+  - rule: nordstrom
+    url: https://www.nordstrom.com/browse/nordy-club/terms-conditions
+    quote: 'For purchases made with a third-party payment processor, including those linked to a Nordstrom credit or debit card'
+  - rule: nordstrom-rack
+    url: https://www.nordstrom.com/browse/nordy-club/terms-conditions
+    quote: 'Eligible purchases exclude gift cards, alterations, charitable donations, taxes, shipping fees'

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

@@ -3,8 +3,8 @@ name: Nordstrom Visa Credit Card
 issuer: td-bank
 network: visa
 currency: nordy-club
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://www.nordstrom.com/browse/nordy-club
   - https://www.nordstrom.com/browse/nordy-club/faq
@@ -19,12 +19,13 @@ 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
     match: { merchants: [nordstrom] }
     rate: 1
-    note: Card's own share only. Cardmembers start at Influencer status and earn 2 points per dollar at Nordstrom and Nordstrom.com, 1 of which any member earns paying any way. Paid through Apple Pay, Google Pay or PayPal it's 1 point per dollar, so nothing extra.
+    note: Card's own share only. Cardmembers start at Influencer status and earn 2 points per dollar at Nordstrom and Nordstrom.com, 1 of which any member earns paying any way. Apple Pay and Google Pay with the card still earn the full rate; through PayPal or another third-party processor, or another contactless method, it's 1 point per dollar, so nothing extra.
   - id: nordstrom-ambassador
     match: { merchants: [nordstrom] }
     rate: 2
@@ -50,6 +51,10 @@ rules:
     match: { categories: [dining] }
     rate: 2
     note: Includes fast food, bars, caterers and third-party delivery. Restaurants inside Nordstrom earn as Nordstrom purchases.
+  - id: caterers
+    match: { mccs: [5811] }
+    rate: 2
+    note: Caterers count as dining.
   - id: streaming
     match: { categories: [streaming, tv_internet] }
     rate: 2
@@ -103,3 +108,18 @@ 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'
+  - 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"
+  - rule: nordstrom
+    url: https://www.nordstrom.com/browse/nordy-club/terms-conditions
+    quote: 'For purchases made with a third-party payment processor, including those linked to a Nordstrom credit or debit card'
+  - rule: nordstrom-rack
+    url: https://www.nordstrom.com/browse/nordy-club/terms-conditions
+    quote: 'Eligible purchases exclude gift cards, alterations, charitable donations, taxes, shipping fees'
+  - rule: caterers
+    url: https://www.nordstrom.com/browse/nordy-club/terms-conditions
+    quote: 'cocktail lounges, caterers, fast-food locations, and third-party restaurant delivery and takeout services'

package/data/cards/td-bank-target-circle-card.yaml

@@ -4,8 +4,8 @@ issuer: td-bank
 network: store
 only_at: [target]
 currency: cash
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://www.target.com/circlecard
   - https://www.target.com/c/target-circle-card-program-rules/-/N-4tgj0
@@ -17,12 +17,12 @@ welcome_offer:
   dollars: 50
   spend: 50
   months: 2
-  note: Paid as $50 in Target Circle Rewards, redeemable through Target Circle, not cash. Spend $50 or more on qualifying purchases in-store or at Target.com with the Target Circle Credit Card within 60 days of approval. Not for the Target Circle Debit Card or mail-in applications. Qualifying purchases exclude alcohol and gift cards, among others.
+  note: Paid as $50 in Target Circle Rewards, redeemable through Target Circle, not cash. Spend $50 or more on qualifying purchases in-store or at Target.com with the Target Circle Credit Card within 60 days of approval. Not for the Target Circle Debit Card or mail-in applications. Qualifying purchases exclude alcohol, Target GiftCards, prepaid Visa/Mastercard/Amex cards, CVS pharmacy, clinic and Target Optical.
 rules:
   - id: target
     match: { merchants: [target] }
     rate: 5
-    note: An instant 5% discount at checkout in Target stores and on Target.com, after other discounts, on the part of the purchase paid with the card. Not on prescriptions, pharmacy-counter items or clinic services, Target Optical eye exams and protection plans (glasses and contacts do count), Target GiftCards or prepaid Visa/Mastercard/Amex cards, Starbucks gift cards bought at in-store Starbucks, Shipt or Target Circle 360 fees, taxes, shipping or other fees.
+    note: An instant 5% discount at checkout in Target stores and on Target.com, after other discounts, on the part of the purchase paid with the card. Not on prescriptions, pharmacy-counter items or clinic services, Target Optical eye exams and protection plans (glasses and contacts do count), Target GiftCards, prepaid Visa/Mastercard/Amex cards or sports betting gift cards, Starbucks gift cards bought at in-store Starbucks, Shipt or Target Circle 360 fees, wireless protection plans and carrier deposits, gift wrapping, alcohol in Indiana, taxes, shipping or other fees.
 todo:
   - The debit version (Target Circle Debit Card) gets the same 5% discount but isn't modeled as a separate card.
   - Target considers credit applicants for the Target Mastercard first, which also earns 2% on dining and gas and 1% elsewhere. Not modeled; target.com doesn't say what form those earnings take.
@@ -49,3 +49,12 @@ evidence:
   - rule: welcome_offer
     url: https://www.target.com/circlecard
     quote: 'within 60 days of approval'
+  - rule: target
+    url: https://www.target.com/c/target-circle-card-program-rules/-/N-4tgj0
+    quote: 'Game On, DraftsKings, and other sports betting gift cards'
+  - rule: target
+    url: https://www.target.com/c/target-circle-card-program-rules/-/N-4tgj0
+    quote: 'Wireless protection program purchases and deposits required by mobile carrier'
+  - rule: welcome_offer
+    url: https://www.target.com/circlecard
+    quote: 'Qualifying purchases exclude alcohol, Target GiftCards, Visa, American Express and Mastercard gift cards/prepaid cards'

package/data/cards/usbank-cash-plus.yaml

@@ -3,8 +3,8 @@ name: U.S. Bank Cash+ Visa Signature Card
 issuer: usbank
 network: visa
 currency: cash
-last_verified: 2026-10-24
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://www.usbank.com/credit-cards/cash-plus-visa-signature-credit-card.html
   - https://cashplus.usbank.com/cash-plus/samplemerchants
@@ -64,14 +64,16 @@ choices:
 rules:
   - id: five-percent
     match: { choice: five-percent }
+    # Ground transportation leaves out parking and tolls (also cruises and
+    # tickets bought through travel agencies); no other 5% option covers them.
+    exclude: { mccs: [7523, 4784] }
     rate: 5
     cap: five-percent-combined
   - id: two-percent
     match: { choice: two-percent }
-    # Gas and grocery exclude discount stores/supercenters and wholesale clubs.
-    # Grocery-store gas stations may still count as gas, per U.S. Bank's
-    # sample merchants (Kroger Fuel Center is listed).
-    exclude: { categories: [gas.superstore] }
+    # Fast food is its own 5% option, not part of Restaurants. Gas at grocery
+    # stores is left in until the todo below is settled.
+    exclude: { categories: [gas.superstore, dining.fast_food] }
     rate: 2
   - id: travel-center
     match: { merchants: [usbank-travel-center] }
@@ -94,9 +96,29 @@ evidence:
   - rule: five-percent
     url: https://cashplus.usbank.com/cash-plus/samplemerchants
     quote: 'This category includes only the merchants listed below'
+  - rule: five-percent
+    url: https://cashplus.usbank.com/cash-plus/samplemerchants
+    quote: 'steam ships, cruise lines, freight trains, parking meters, parking garages and toll stations'
+  - rule: five-percent
+    url: https://www.usbank.com/credit-cards/cash-plus-visa-signature-credit-card.html
+    quote: 'Purchases over $2,000 in the 5% categories will earn 1% cash back.'
+  - rule: two-percent
+    url: https://www.usbank.com/credit-cards/cash-plus-visa-signature-credit-card.html
+    quote: 'Gas station and electric vehicle charging station purchases at discount stores/supercenters, wholesale clubs and grocery stores/supermarkets'
+  - rule: two-percent
+    url: https://www.usbank.com/credit-cards/cash-plus-visa-signature-credit-card.html
+    quote: 'Excludes discount stores/supercenters and wholesale clubs'
+  - rule: two-percent
+    url: https://cashplus.usbank.com/cash-plus/samplemerchants
+    quote: "Excludes most fast food restaurants like McDonald's"
+  - rule: travel-center
+    url: https://www.usbank.com/credit-cards/cash-plus-visa-signature-credit-card.html
+    quote: 'additional 4% cash back for every $1 in eligible Net Purchases spent on prepaid air, car and hotel reservations'
   - rule: annual_fee
     url: https://www.usbank.com/credit-cards/cash-plus-visa-signature-credit-card.html
-    quote: 'ANNUAL FEE $0 Annual fee'
+    quote: '$0 Annual fee'
   - rule: welcome_offer
     url: https://www.usbank.com/credit-cards/cash-plus-visa-signature-credit-card.html
     quote: 'Earn a $200 rewards bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening'
+todo:
+  - "Gas at grocery stores (Kroger, Hy-Vee, Meijer) is modeled at 2%, as U.S. Bank's sample merchants page says it may qualify, varying by location; the card page's footnote says 1%, so it may earn 1% at some stations."

package/data/cards/wells-fargo-active-cash.yaml

@@ -3,10 +3,11 @@ name: Wells Fargo Active Cash Card
 issuer: wells-fargo
 network: visa
 currency: cash
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://creditcards.wellsfargo.com/active-cash-credit-card/
+  - https://www.wellsfargo.com/credit-cards/active-cash/terms/
 base_rate: 2
 annual_fee: 0
 welcome_offer:
@@ -23,6 +24,9 @@ evidence:
   - rule: base_rate
     url: https://creditcards.wellsfargo.com/active-cash-credit-card/
     quote: '2% cash rewards are earned for every $1 spent in net purchases'
+  - rule: base_rate
+    url: https://www.wellsfargo.com/credit-cards/active-cash/terms/
+    quote: 'For every $1.00 you spend with this Credit Card for net purchases, you earn two cents ($0.02) in Cash Rewards.'
   - rule: annual_fee
     url: https://creditcards.wellsfargo.com/active-cash-credit-card/
     quote: '$0 annual fee'
@@ -32,3 +36,6 @@ evidence:
   - rule: welcome_offer
     url: https://creditcards.wellsfargo.com/active-cash-credit-card/
     quote: 'To qualify for the $100 cash rewards bonus, a total of at least $500 in net purchases'
+  - rule: welcome_offer
+    url: https://www.wellsfargo.com/credit-cards/active-cash/terms/
+    quote: 'opened one within the last 48 months from the date of this application'

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

@@ -3,11 +3,12 @@ name: Wells Fargo Autograph Card
 issuer: wells-fargo
 network: visa
 currency: WFR
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://creditcards.wellsfargo.com/autograph-visa-credit-card/
   - https://www.wellsfargo.com/credit-cards/autograph-visa/streaming/
+  - https://www.wellsfargo.com/credit-cards/autograph-visa/terms/
 base_rate: 1
 annual_fee: 0
 welcome_offer:
@@ -18,8 +19,9 @@ welcome_offer:
 rules:
   - id: dining
     match: { categories: [dining] }
+    exclude: { merchants: [doordash, uber-eats] }
     rate: 3
-    note: Restaurants, bars (drinking places), fast food and caterers, by Visa merchant code.
+    note: Restaurants, bars (drinking places), fast food and caterers, by Visa merchant code. Wells Fargo says bakeries, food at grocery stores and third-party delivery services may not earn 3X.
   - id: travel
     match: { categories: [travel] }
     rate: 3
@@ -31,43 +33,65 @@ rules:
     note: Passenger rail, taxis, limousines, ferries, tolls and parking. Intercity bus lines aren't on Wells Fargo's list.
   - id: gas
     match: { categories: [gas, ev_charging] }
+    exclude: { categories: [gas.superstore, gas.grocery_store] }
     rate: 3
-    note: Gas stations, automated fuel dispensers and EV charging stations, by Visa merchant code.
+    note: Gas stations, automated fuel dispensers and EV charging stations, by Visa merchant code. Fuel or charging at superstores, warehouse clubs, grocery stores, car washes and auto repair shops may not earn 3X.
   - id: streaming
     match: { categories: [streaming, tv_internet] }
     rate: 3
-    note: Cable and pay TV, digital goods (books, movies, music) and subscription services. Subscriptions bundled with another product or billed by a third party (an app store, a car) may not count. An internet-only bill may not code as pay TV.
+    note: Cable and pay TV, digital goods (books, movies, music) and subscription services. Subscriptions bundled with another product or billed by a third party (an app store, a cable, phone or internet provider, an online retailer, a car) may not count. An internet-only bill may not code as pay TV.
   - id: phone
     match: { categories: [phone] }
     rate: 3
-    note: Landline and cell phone providers.
+    note: Landline and cell phone providers. Phones, accessories, add-ons like insurance or extra data, and plans bundled or billed by a third party (an internet provider, a car) may not count.
 # Not modeled: cell phone protection.
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
     url: https://creditcards.wellsfargo.com/autograph-visa-credit-card/
     quote: '1 rewards point will be earned per $1 spent on other net purchases'
+  - rule: travel
+    url: https://www.wellsfargo.com/credit-cards/autograph-visa/terms/
+    quote: 'Airlines Hotel/motels Campgrounds Timeshares Cruise lines Travel agencies Discount travel sites Vehicle/auto rentals'
   - rule: dining
     url: https://creditcards.wellsfargo.com/autograph-visa-credit-card/
     quote: 'Dining: eating places and restaurants, drinking places, fast food restaurants'
+  - rule: dining
+    url: https://www.wellsfargo.com/credit-cards/autograph-visa/terms/
+    quote: 'Grocery stores and other miscellaneous places that serve food or operate restaurants on site Third-party delivery services'
   - rule: travel
     url: https://creditcards.wellsfargo.com/autograph-visa-credit-card/
     quote: 'Travel: airline, hotel/motel, timeshare, or vehicle/auto rental, cruise lines'
   - rule: transit
     url: https://creditcards.wellsfargo.com/autograph-visa-credit-card/
-    quote: 'Transit: passenger railway, taxis, limousines, ferries, toll bridges and highways'
+    quote: 'Transit: passenger railway, taxis, limousines, ferries, toll bridges and highways, parking lots and garages'
+  - rule: transit
+    url: https://www.wellsfargo.com/credit-cards/autograph-visa/terms/
+    quote: 'Ferries Parking lots and garages Limousines Taxis Passenger railway Toll bridges and highways'
   - rule: gas
     url: https://creditcards.wellsfargo.com/autograph-visa-credit-card/
     quote: 'Gas: gas stations, automated fuel dispensers, and electric vehicle charging stations'
+  - rule: gas
+    url: https://www.wellsfargo.com/credit-cards/autograph-visa/terms/
+    quote: 'Gas or electric vehicle charging purchases made at the following locations may not earn bonus Points'
+  - rule: gas
+    url: https://www.wellsfargo.com/credit-cards/autograph-visa/terms/
+    quote: 'Auto repair stores Superstores Car washes Warehouse/membership clubs Grocery stores'
   - rule: streaming
     url: https://creditcards.wellsfargo.com/autograph-visa-credit-card/
     quote: 'Popular streaming services: cable and other pay television, digital goods, books'
   - rule: streaming
     url: https://www.wellsfargo.com/credit-cards/autograph-visa/streaming/
     quote: 'You may earn 3X on these streaming services'
+  - rule: streaming
+    url: https://www.wellsfargo.com/credit-cards/autograph-visa/terms/
+    quote: 'Streaming services that a third party bills, such as a digital platform; a cable, telecommunications, or internet provider'
   - rule: phone
     url: https://creditcards.wellsfargo.com/autograph-visa-credit-card/
     quote: 'Phone plans: landline and cell phone providers considered telecommunication services'
+  - rule: phone
+    url: https://www.wellsfargo.com/credit-cards/autograph-visa/terms/
+    quote: 'Phone-plan services that a third party bundles or bills, such as an internet provider or in-vehicle service'
   - rule: annual_fee
     url: https://creditcards.wellsfargo.com/autograph-visa-credit-card/
     quote: '$0 Annual Fee'

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/issuers.yaml

@@ -0,0 +1,32 @@
+# The banks behind the cards: the name shown for each, and other words people
+# search with ("bofa", "amex"). Every card's `issuer` must be one of these.
+
+- id: amex
+  name: American Express
+  search: [amex, american express]
+- id: bank-of-america
+  name: Bank of America
+  search: [bofa, boa, bankofamerica]
+- id: capital-one
+  name: Capital One
+  search: [capitalone]
+- id: chase
+  name: Chase
+- id: citi
+  name: Citi
+  search: [citibank]
+- id: column
+  # Column N.A. issues the Bilt card; people know it as Bilt.
+  name: Bilt
+  search: [bilt]
+- id: sofi
+  name: SoFi
+- id: td-bank
+  name: TD Bank
+  search: [td]
+- id: usbank
+  name: U.S. Bank
+  search: [us bank]
+- id: wells-fargo
+  name: Wells Fargo
+  search: [wf, wellsfargo]

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