earnrate 0.2.5 → 0.2.6

package/data/cards/chase-ink-business-preferred.yaml

@@ -3,11 +3,12 @@ name: Ink Business Preferred
 issuer: chase
 network: visa
 currency: UR
-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/ink/business-preferred
   - https://www.chase.com/personal/credit-cards/rewards-category-faq
+  - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC63764.html
 base_rate: 1
 business: true
 annual_fee: 95
@@ -83,9 +84,15 @@ evidence:
   - rule: lyft
     url: https://creditcards.chase.com/business-credit-cards/ink/business-preferred
     quote: 'Earn a total of 5x points on Lyft rides through September 30, 2027'
+  - rule: lyft
+    url: https://creditcards.chase.com/business-credit-cards/ink/business-preferred
+    quote: 'That’s 2 additional points on top of the 3 points earned on travel until the first $150,000 is spent'
   - rule: annual_fee
     url: https://creditcards.chase.com/business-credit-cards/ink/business-preferred
     quote: 'ANNUAL FEE $95'
+  - rule: annual_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC63764.html
+    quote: 'Annual Membership Fee $95'
   - rule: welcome_offer
     url: https://creditcards.chase.com/business-credit-cards/ink/business-preferred
     quote: 'Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening'

package/data/cards/chase-prime-visa.yaml

@@ -3,10 +3,12 @@ name: Prime Visa
 issuer: chase
 network: visa
 currency: cash
-last_verified: 2026-10-24
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://creditcards.chase.com/cash-back-credit-cards/amazon-prime-rewards
+  - https://www.chase.com/personal/credit-cards/rewards-category-faq
+  - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC59329.html
 base_rate: 1
 annual_fee: 0
 welcome_offer:
@@ -19,7 +21,7 @@ rules:
     match: { merchants: [amazon] }
     rate: 5
     requires: { membership: amazon-prime }
-    note: Includes Amazon Fresh orders and third-party sellers on Amazon.com. Not on Amazon Pay purchases at other sites, or on Amazon's international sites.
+    note: Includes Amazon Fresh orders and third-party sellers on Amazon.com. Not on Amazon Pay purchases at other sites, Amazon's international sites, or Amazon.com purchases made with Equal Pay financing.
   - id: amazon-fresh
     match: { merchants: [amazon-fresh] }
     rate: 5
@@ -28,8 +30,9 @@ rules:
   - id: whole-foods
     match: { merchants: [whole-foods] }
     rate: 5
+    geography: us_only
     requires: { membership: amazon-prime }
-    note: Online or in-store.
+    note: Online or in-store in the U.S., but not through Instacart or other third-party sites.
   - id: audible
     match: { merchants: [audible] }
     rate: 5
@@ -56,10 +59,11 @@ rules:
   - id: local-transit
     match: { categories: [transit] }
     rate: 2
-    note: Local transit and commuting, including rideshare.
+    note: Local transit and commuting, including rideshare, tolls and parking. Not bike or scooter rentals or car sharing.
 todo:
   - 6% on Amazon.com orders with "select delivery methods" (stated on amazon.com/dp/BT00LN946S, not on Chase's page) isn't modeled. It depends on the shipping option picked at checkout.
   - Prime Card Bonus (10%+ on rotating Amazon items) isn't modeled. It's per item and limited-time.
+  - "Amazon's benefits page (amazon.com/primevisa/benefits, read 2026-11-01; it blocks automated reading) also gives 5% (3% without Prime) at Shopbop, Amazon Pharmacy, One Medical, PillPack, and Twitch and Woot through Amazon Pay. Those aren't modeled; Zappos, Ring, Blink, eero, AbeBooks and Buy with Prime are excluded."
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
@@ -68,6 +72,15 @@ evidence:
   - rule: amazon
     url: https://creditcards.chase.com/cash-back-credit-cards/amazon-prime-rewards
     quote: "You'll earn 5% back with an eligible Prime membership or 3% back without an eligible Prime membership"
+  - rule: amazon
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC59329.html
+    quote: 'Purchases made under the Equal Pay promotions do not earn % back rewards'
+  - rule: whole-foods
+    url: https://creditcards.chase.com/cash-back-credit-cards/amazon-prime-rewards
+    quote: 'purchases of Whole Foods Market products and services through third-party sites such as Eventbrite, Instacart'
+  - rule: whole-foods
+    url: https://creditcards.chase.com/cash-back-credit-cards/amazon-prime-rewards
+    quote: 'purchases made at international Whole Foods Markets'
   - rule: amazon-fresh
     url: https://creditcards.chase.com/cash-back-credit-cards/amazon-prime-rewards
     quote: 'Amazon.com Gift Cards, Amazon Fresh orders, Amazon Prime subscriptions'
@@ -95,9 +108,15 @@ evidence:
   - rule: local-transit
     url: https://creditcards.chase.com/cash-back-credit-cards/amazon-prime-rewards
     quote: 'local transit and commuting (including rideshare)'
+  - 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: annual_fee
     url: https://creditcards.chase.com/cash-back-credit-cards/amazon-prime-rewards
     quote: 'ANNUAL FEE $0'
+  - rule: annual_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC59329.html
+    quote: 'Annual Membership Fee None'
   - rule: welcome_offer
     url: https://creditcards.chase.com/cash-back-credit-cards/amazon-prime-rewards
     quote: "Prime members, get a $150 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance"

package/data/cards/chase-sapphire-preferred.yaml

@@ -3,11 +3,12 @@ name: Chase Sapphire Preferred Card
 issuer: chase
 network: visa
 currency: UR
-last_verified: 2026-10-24
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred
   - https://www.chase.com/personal/credit-cards/rewards-category-faq
+  - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65222.html
 base_rate: 1
 annual_fee: 95
 welcome_offer:
@@ -19,7 +20,7 @@ rules:
   - id: chase-travel
     match: { merchants: [chase-travel] }
     rate: 5
-    note: Bookings through FROSCH or Valerie Wilson Travel by Chase Travel earn 2x instead.
+    note: Bookings through FROSCH or Valerie Wilson Travel by Chase Travel earn 2x instead. The first $100 of Chase Travel hotel purchases each account anniversary year is covered by the hotel credit and earns no points.
   - id: dining
     match: { categories: [dining] }
     rate: 3
@@ -35,15 +36,44 @@ rules:
     match: { merchants: [lyft] }
     rate: 5
     valid_to: 2027-09-30
-    note: Limited-time offer on Lyft rides.
+    note: Limited-time offer on Lyft products bought in the Lyft app (rides, bikes and scooters, memberships). Not gift cards or car rentals.
+  - id: peloton
+    match: { merchants: [peloton] }
+    rate: 5
+    geography: us_only
+    valid_from: 2025-04-01
+    valid_to: 2027-12-31
+    note: Peloton equipment and accessory purchases over $150 bought directly from Peloton, on up to $5,000 in total purchases over the whole offer. Not apparel or gift cards.
   - id: streaming
-    match: { categories: [streaming] }
+    match:
+      merchants:
+        [
+          apple-music,
+          apple-tv,
+          disney-plus,
+          espn,
+          fubotv,
+          max,
+          hulu,
+          netflix,
+          pandora,
+          paramount-plus,
+          peacock,
+          showtime,
+          siriusxm,
+          sling-tv,
+          spotify,
+          youtube-premium,
+          youtube-tv,
+          fandango-at-home,
+        ]
     rate: 3
-    note: Only "top streaming services", listed at chase.com/RewardsCategoryFAQs.
+    note: Only the "top streaming services" Chase lists at chase.com/RewardsCategoryFAQs. Peacock and Showtime are on the list too.
   - id: online-grocery
     match: { categories: [grocery.online] }
     exclude: { categories: [warehouse_club], merchants: [walmart, target] }
     rate: 3
+    note: Online pickup and delivery orders from grocery stores, specialty food stores and grocery delivery services, including meal kits. Not Target, Walmart, wholesale clubs, liquor stores, supermarket pharmacies, memberships or gift cards.
   - id: travel
     match: { categories: [travel] }
     rate: 2
@@ -59,6 +89,9 @@ evidence:
   - rule: chase-travel
     url: https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred
     quote: '5 points (“5X points”) on Chase Travel purchases'
+  - rule: chase-travel
+    url: https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred
+    quote: 'Annually, the first $100 in Chase Travel hotel purchases will not earn rewards points'
   - rule: dining
     url: https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred
     quote: '3x points on dining'
@@ -68,9 +101,15 @@ evidence:
   - rule: streaming
     url: https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred
     quote: '3x points on top streaming services and online grocery'
+  - 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'
   - rule: online-grocery
     url: https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred
     quote: 'online grocery (excluding Target ® , Walmart ® and wholesale clubs)'
+  - rule: online-grocery
+    url: https://www.chase.com/personal/credit-cards/rewards-category-faq
+    quote: 'wholesale clubs such as Costco and BJs, liquor stores and merchants that specialize in only a few grocery items'
   - rule: travel
     url: https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred
     quote: 'spent on purchases made in the travel category'
@@ -83,9 +122,23 @@ evidence:
   - rule: lyft
     url: https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred
     quote: 'Earn 5x on Lyft rides through 9/30/27'
+  - rule: lyft
+    url: https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred
+    quote: 'Qualifying Lyft products and services include rideshare; bike and scooter rides; and subscription and membership products'
+  - rule: peloton
+    url: https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred
+    quote: 'Earn 5x total points on eligible Peloton equipment and accessory purchases over $150 through 12/31/27'
+  - rule: peloton
+    url: https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred
+    quote: 'or 5 (Sapphire Preferred) points for each $1 spent on up to $5,000 in total purchases'
   - rule: annual_fee
     url: https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred
     quote: '$95 annual fee'
+  - rule: annual_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65222.html
+    quote: 'Annual Membership Fee $95'
   - rule: welcome_offer
     url: https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred
     quote: 'Earn 75,000 points after you spend $5,000 in purchases in the first 3 months from account opening'
+todo:
+  - "peloton: the $5,000 limit runs across the whole offer (4/1/2025 to 12/31/2027), which no cap period can express, and the $150 minimum per purchase isn't modeled."

package/data/cards/chase-sapphire-reserve.yaml

@@ -3,11 +3,12 @@ name: Chase Sapphire Reserve
 issuer: chase
 network: visa
 currency: UR
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
   - https://www.chase.com/personal/credit-cards/rewards-category-faq
+  - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC64842.html
 base_rate: 1
 annual_fee: 795
 welcome_offer:
@@ -70,15 +71,24 @@ evidence:
   - rule: lyft
     url: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
     quote: 'earn 5x total points on Lyft rides through 9/30/2027'
+  - rule: lyft
+    url: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
+    quote: 'Purchase of gift cards, car rentals, vehicle service centers, miscellaneous fees and other Lyft products and services are excluded'
   - rule: peloton
     url: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
     quote: 'earn 10x total points on eligible Peloton equipment and accessory purchases over $150 through 12/31/2027'
   - rule: peloton
     url: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
     quote: 'on up to $5,000 in total purchases when your card is used for Peloton equipment'
+  - rule: peloton
+    url: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
+    quote: 'Purchases made outside the U.S. are not eligible. Gift cards and apparel are not eligible.'
   - rule: annual_fee
     url: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
     quote: '$795 annual fee'
+  - rule: annual_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC64842.html
+    quote: 'Annual Membership Fee $795; each authorized user: $195 per year.'
   - rule: welcome_offer
     url: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
     quote: 'Earn 100,000 points after you spend $6,000 in purchases in the first 3 months from account opening'

package/data/cards/chase-southwest-performance-business.yaml

@@ -3,12 +3,13 @@ name: Southwest Rapid Rewards Performance Business Credit Card
 issuer: chase
 network: visa
 currency: southwest-rapid-rewards
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://creditcards.chase.com/southwest/performance-business-credit-card
   - https://www.chase.com/personal/credit-cards/rewards-category-faq
   - https://creditcards.chase.com/business-credit-cards/southwest/performance-business
+  - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC61809.html
 base_rate: 1
 business: true
 annual_fee: 299
@@ -16,7 +17,7 @@ welcome_offer:
   points: 80000
   spend: 5000
   months: 3
-  note: 'Not available to current cardmembers of this business card, or previous cardmembers who received a new Cardmember bonus for this business card within the last 24 months.'
+  note: 'Chase states no end date and, unlike the personal Southwest cards, no 24-month bonus rule on the page. Its pricing terms say cardmembers who have or have had a card in the same rewards program may not be eligible for a second one.'
 rules:
   - id: southwest
     match: { merchants: [southwest] }
@@ -25,9 +26,11 @@ 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: hotels-direct
     match: { categories: [travel.hotels] }
     rate: 2
@@ -40,7 +43,7 @@ rules:
     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
@@ -79,3 +82,18 @@ evidence:
   - rule: lyft
     url: https://creditcards.chase.com/southwest/performance-business-credit-card
     quote: 'earn 5X Rapid Rewards points on qualifying Lyft products and services purchased through the Lyft mobile application through 12/31/2027'
+  - rule: annual_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC61809.html
+    quote: 'Annual Membership Fee $299'
+  - rule: lyft
+    url: https://creditcards.chase.com/southwest/performance-business-credit-card
+    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.'
+  - rule: welcome_offer
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC61809.html
+    quote: 'may not be eligible for a second Chase credit card in the same Rewards Program'

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

@@ -3,11 +3,12 @@ name: Southwest Rapid Rewards Plus 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/plus
   - https://www.chase.com/personal/credit-cards/rewards-category-faq
+  - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC64433.html
 base_rate: 1
 annual_fee: 99
 welcome_offer:
@@ -30,7 +31,7 @@ rules:
     match: { categories: [gas] }
     rate: 2
     cap: gas-and-grocery
-    note: Shares a $5,000 per account anniversary year cap with grocery stores.
+    note: Shares a $5,000 per account anniversary year cap with grocery stores. Not truck stops, marinas, oil and propane distributors or home heating companies.
   - id: grocery
     match: { categories: [grocery] }
     exclude: { merchants: [walmart, target] }
@@ -41,7 +42,7 @@ rules:
     match: { merchants: [lyft] }
     rate: 2
     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/plus
     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/LGC64433.html
+    quote: 'Annual Membership Fee $99'
+  - rule: lyft
+    url: https://creditcards.chase.com/travel-credit-cards/southwest/plus
+    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'

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

@@ -3,11 +3,13 @@ name: Southwest Rapid Rewards Premier Business 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/southwest/premier-business-credit-card
   - https://creditcards.chase.com/business-credit-cards/southwest/premier-business
+  - https://www.chase.com/personal/credit-cards/rewards-category-faq
+  - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC61808.html
 base_rate: 1
 business: true
 annual_fee: 149
@@ -15,7 +17,7 @@ welcome_offer:
   points: 60000
   spend: 3000
   months: 3
-  note: 'Not available to current cardmembers of this business card, or previous cardmembers who received a new Cardmember bonus for this business card within the last 24 months.'
+  note: 'Chase states no end date and, unlike the personal Southwest cards, no 24-month bonus rule on the page. Its pricing terms say cardmembers who have or have had a card in the same rewards program may not be eligible for a second one.'
 caps:
   - id: gas-and-dining
     amount: 8000
@@ -30,17 +32,17 @@ rules:
     match: { categories: [gas] }
     rate: 2
     cap: gas-and-dining
-    note: Shares an $8,000 per account anniversary year cap with restaurants.
+    note: Shares an $8,000 per account anniversary year cap with restaurants. Not truck stops, marinas, oil and propane distributors or home heating companies.
   - id: dining
     match: { categories: [dining] }
     rate: 2
     cap: gas-and-dining
-    note: Shares an $8,000 per account anniversary year cap with gas stations.
+    note: Shares an $8,000 per account anniversary year cap with gas stations. 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
@@ -70,3 +72,18 @@ evidence:
   - rule: lyft
     url: https://creditcards.chase.com/southwest/premier-business-credit-card
     quote: 'earn 3X Rapid Rewards points on qualifying Lyft products and services purchased through the Lyft mobile application through 12/31/2027'
+  - rule: annual_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC61808.html
+    quote: 'Annual Membership Fee $149'
+  - rule: lyft
+    url: https://creditcards.chase.com/southwest/premier-business-credit-card
+    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.'
+  - rule: welcome_offer
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC61808.html
+    quote: 'may not be eligible for a second Chase credit card in the same Rewards Program'

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

@@ -3,10 +3,11 @@ 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:
@@ -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