earnrate 0.2.5 → 0.2.7

package/data/cards/bank-of-america-customized-cash-rewards.yaml

@@ -5,8 +5,8 @@ issuer: bank-of-america
 # notice, so the network is Visa.
 network: visa
 currency: cash
-last_verified: 2026-10-28
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/
   - https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/cash-back-category-choices/
@@ -18,7 +18,7 @@ welcome_offer:
   dollars: 200
   spend: 1000
   months: 3
-  note: Online offer; the window is 90 days from account opening, modeled as 3 months. The offer may not be available elsewhere after leaving the page.
+  note: Online offer; the window is 90 days from account opening, modeled as 3 months. The offer may not be available elsewhere after leaving the page. The card may not be available to anyone who has or had it in the past 24 months.
 caps:
   - id: three-and-two-percent-combined
     amount: 2500
@@ -47,7 +47,7 @@ rules:
     match: { choice: three-percent }
     rate: 3
     cap: three-and-two-percent-combined
-    note: Gas and EV charging, online shopping, dining, travel, drug stores, or home improvement and furnishings, whichever you picked. Travel includes parking, transit, rideshare and tolls. Online shopping is any purchase paid on a website or app, as reported by the merchant; ordered online but paid in store, in-store mobile wallet and phone or mail orders don't count, and doctors, government, insurance, membership organizations, schools, some utilities and other non-retail services are excluded. The first $2,500 a calendar quarter across the 3% and 2% categories, then 1%.
+    note: Gas and EV charging, online shopping, dining, travel, drug stores, or home improvement and furnishings, whichever you picked. Gas excludes EV charging billed by parking lots. Travel includes parking, transit, rideshare and tolls. Online shopping is any purchase paid on a website or app, as reported by the merchant; ordered online but paid in store, in-store mobile wallet and phone or mail orders don't count, and doctors, government, insurance, membership organizations, schools, some utilities and other non-retail services are excluded. The first $2,500 a calendar quarter across the 3% and 2% categories, then 1%.
   - id: two-percent
     match: { categories: [grocery.supermarket, warehouse_club] }
     rate: 2
@@ -155,6 +155,9 @@ evidence:
   - rule: three-percent
     url: https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/cash-back-category-choices/
     quote: 'parking, public transit, taxis/ride share'
+  - rule: three-percent
+    url: https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/cash-back-category-choices/
+    quote: 'Excludes EV charging purchases from parking lots billing for vehicle charging'
   - rule: two-percent
     url: https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/
     quote: 'Automatic 2% cash back at grocery stores and wholesale clubs'
@@ -203,8 +206,10 @@ evidence:
   - rule: welcome_offer
     url: https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/
     quote: 'Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days'
+  - rule: welcome_offer
+    url: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079537&productoffercode=8H&locale=en_US
+    quote: 'This card may not be available to you if you currently have or have had the card'
 todo:
   - New accounts earn 6% in the choice category for the first year (an extra 3%, inside the same $2,500 quarterly cap, with no BofA Rewards bonus on the extra 3%). earnrate can't see when an account was opened, so this isn't modeled.
   - 'The BofA Rewards rules use proposed membership ids: bofa-rewards-member, bofa-rewards-preferred-plus, bofa-rewards-preferred-honors and bofa-rewards-premier. Cardholders who joined Preferred Rewards before May 26, 2026 may have an "extended card benefit" that Bank of America doesn''t define.'
-  - With a BofA Rewards tier, a purchase that crosses the $2,500 cap counts the part past the cap at 1% instead of the tier's boosted base rate, so it's slightly understated.
   - "Online shopping counts any online purchase earnrate can't place in an excluded category, including unknown merchants. Bank of America also excludes doctors, government, insurance, schools and other non-retail services, which earnrate can't tell apart."

package/data/cards/bilt-obsidian.yaml

@@ -6,8 +6,8 @@ name: Bilt Obsidian Card
 issuer: column
 network: mastercard # World Elite Mastercard
 currency: BILT
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://www.bilt.com/card/obsidian
   - https://www.bilt.com/card
@@ -61,7 +61,8 @@ todo:
   - The Flexible Bilt Cash option earns 4% Bilt Cash on everyday spend on top of points, but drops the housing multiplier (housing points must be bought with Bilt Cash, $3 per 100 points). Bilt Cash is a second currency; not modeled.
   - Point Accelerator (spend $200 Bilt Cash for +1X on the next $5,000, up to five times a year) isn't modeled.
   - Bilt Neighborhood Dining restaurants add a per-restaurant bonus (up to 6X total). It varies by restaurant, so it isn't modeled.
-  - Walgreens in-store (+1X, +2X on Walgreens-brand items, per the Bilt Rewards Points Earning Terms PDF at bilt.com/terms/earn), Metropolis parking, fitness classes and Bilt Home Delivery add Bilt bonuses not stated on an HTML page; not modeled.
+  - Walgreens in-store (+1X, and +2X on Walgreens-brand items until December 11, 2026, per the Bilt Rewards Points Earning Terms PDF at bilt.com/terms/earn), Metropolis parking, fitness classes and Bilt Home Delivery add Bilt bonuses not stated on an HTML page; not modeled.
+  - The Bilt Card Offer Terms PDF counts bakeries (MCC 5462) in the 3X dining pick, but a choice option can only list categories and earnrate's dining category doesn't include bakeries, so bakery purchases get 1X here.
   - 'Welcome offer not modeled: the page offers $200 in Bilt Cash upon approval with no spend required. Bilt Cash is a second currency (not BILT points or cash), and this file already skips it on purpose.'
 # Program text backing each rule; `yarn check-sources` checks it weekly.
 evidence:

package/data/cards/capital-one-kohls-card.yaml

@@ -4,10 +4,13 @@ issuer: capital-one
 network: store
 only_at: [kohls]
 currency: kohls-rewards
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://www.capitalone.com/credit-cards/kohls/
+  # The card page's rate and fee disclosures, shared by both Kohl's cards; the
+  # number is the page's offer id and changes when Capital One changes it.
+  - https://disclosures.capitalone.com/disclosure.41856.en-US.html
 # Units are cents of Kohl's rewards per dollar, so 2.5 is 2.5%.
 base_rate: 0
 annual_fee: 0
@@ -31,3 +34,9 @@ evidence:
   - rule: annual_fee
     url: https://www.capitalone.com/credit-cards/kohls/
     quote: "when you open a Kohl's Card. No annual fee."
+  - rule: annual_fee
+    url: https://disclosures.capitalone.com/disclosure.41856.en-US.html
+    quote: 'Annual Fee None. None.'
+  - rule: base_rate
+    url: https://disclosures.capitalone.com/disclosure.41856.en-US.html
+    quote: 'The Kohl’s Credit Card can only be used at Kohl’s stores, catalogs, or online'

package/data/cards/capital-one-kohls-rewards-visa.yaml

@@ -3,10 +3,13 @@ name: Kohl's Rewards Visa
 issuer: capital-one
 network: visa
 currency: kohls-rewards
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://www.capitalone.com/credit-cards/kohls/
+  # The card page's rate and fee disclosures, shared by both Kohl's cards; the
+  # number is the page's offer id and changes when Capital One changes it.
+  - https://disclosures.capitalone.com/disclosure.41856.en-US.html
 # Units are cents of Kohl's rewards per dollar, so 3 is 3%.
 base_rate: 1
 annual_fee: 0
@@ -46,3 +49,6 @@ evidence:
   - rule: annual_fee
     url: https://www.capitalone.com/credit-cards/kohls/
     quote: "when you open a Kohl's Card. No annual fee."
+  - rule: annual_fee
+    url: https://disclosures.capitalone.com/disclosure.41856.en-US.html
+    quote: 'Annual Fee None. None.'

package/data/cards/capital-one-savor.yaml

@@ -5,10 +5,13 @@ issuer: capital-one
 # product data says MasterCard.
 network: mastercard
 currency: cash
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://www.capitalone.com/credit-cards/savor/
+  # The card page's "Important disclosures" (pricing and rewards FAQ); the
+  # number is the page's offer id and changes when Capital One changes it.
+  - https://disclosures.capitalone.com/disclosure.42167.en-US.html
 base_rate: 1
 annual_fee: 0
 welcome_offer:
@@ -20,7 +23,7 @@ rules:
   - id: capital-one-entertainment
     match: { merchants: [capital-one-entertainment] }
     rate: 8
-    note: Tickets bought on the Capital One Entertainment ticketing platform only. Tickets bought directly from Capital One Hall or Capital One Arena are excluded.
+    note: Tickets bought on the Capital One Entertainment ticketing platform only. Cardholder-exclusive pre-sales and tickets bought directly from Capital One Hall or Capital One Arena are excluded.
   - id: capital-one-travel-hotels-vacation-rentals-car-rentals
     match:
       {
@@ -32,12 +35,16 @@ rules:
           ],
       }
     rate: 5
-    note: Only when booked through Capital One Travel. Flights booked there earn the base 1%.
+    note: Only when booked through Capital One Travel. Flights booked there, and hotel incidentals or upgrades paid outside Capital One Travel, earn the base 1%.
   - id: grocery-stores
     match: { categories: [grocery.supermarket] }
-    exclude: { categories: [superstore], merchants: [walmart, target] }
+    exclude:
+      {
+        categories: [superstore, warehouse_club, convenience_store],
+        merchants: [walmart, target],
+      }
     rate: 3
-    note: Supermarkets, meat lockers, freezers, dairy product stores and specialty markets. Superstores like Walmart and Target are excluded.
+    note: Supermarkets, meat lockers, freezers, dairy product stores and specialty markets. Groceries bought at gas stations, convenience stores, warehouse clubs, discount stores and superstores like Walmart and Target, or at grocery stores tied to them, earn 1%.
   - id: dining
     match: { categories: [dining] }
     rate: 3
@@ -45,14 +52,14 @@ rules:
   - id: entertainment
     match: { categories: [entertainment, movie_theaters] }
     rate: 3
-    note: Tickets at movie theaters, professional and semi-professional sports promoters, theatrical promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls and bowling alleys. Golf courses, collegiate sporting events, cable, streaming and membership services don't count as entertainment.
+    note: Tickets at movie theaters, professional and semi-professional sports promoters, theatrical and concert promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls and bowling alleys. Golf courses, country clubs, collegiate sporting events, charities that put on live entertainment, cable, streaming and membership services don't count, and neither do tickets bought through a third-party site or packages coded as travel or hotel.
   - id: streaming
     match: { categories: [streaming] }
     rate: 3
-    note: Only "popular streaming services"; Capital One doesn't list them on the card page.
+    note: Eligible music and video streaming services. Verizon FIOS On Demand, audiobook subscriptions and fitness programming are excluded; Capital One doesn't list the eligible services.
 todo:
-  - Online grocery and delivery (grocery.online, e.g. Instacart) isn't addressed on the card page. Only grocery.supermarket is modeled.
-  - Which streaming services are "popular" isn't listed on the card page.
+  - Online grocery and delivery (grocery.online, e.g. Instacart) isn't addressed on the card page or in the rewards FAQ. Only grocery.supermarket is modeled.
+  - Which streaming services are eligible isn't listed on the card page or in the rewards FAQ, only some exclusions.
   - Amusement parks, tourist attractions, aquariums, zoos, record stores, pool halls and bowling alleys earn 3% as entertainment but have no earnrate category. Golf courses and collegiate sporting events are excluded but can't be told apart from the entertainment category.
   - Capital One says purchases through third-party payment accounts, mobile card readers or digital wallets may not get the bonus rate. Not modeled.
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
@@ -72,18 +79,33 @@ evidence:
   - rule: grocery-stores
     url: https://www.capitalone.com/credit-cards/savor/
     quote: 'Superstores like Walmart and Target are excluded.'
+  - rule: grocery-stores
+    url: https://disclosures.capitalone.com/disclosure.42167.en-US.html
+    quote: 'Grocery purchases made at gas stations, convenience stores, warehouse clubs, discount stores, and super stores'
   - rule: dining
     url: https://www.capitalone.com/credit-cards/savor/
     quote: 'Purchases at restaurants, cafes, bars, lounges, fast-food chains and bakeries count as dining.'
   - rule: entertainment
     url: https://www.capitalone.com/credit-cards/savor/
     quote: 'Ticket purchases made at movie theaters, sports promoters'
+  - rule: entertainment
+    url: https://disclosures.capitalone.com/disclosure.42167.en-US.html
+    quote: 'golf courses, country clubs (including membership fees), collegiate sporting events categorized as “universities”'
   - rule: streaming
     url: https://www.capitalone.com/credit-cards/savor/
     quote: 'on dining, entertainment and popular streaming services, plus 1% cash back'
+  - rule: streaming
+    url: https://disclosures.capitalone.com/disclosure.42167.en-US.html
+    quote: 'Streaming includes purchases made from eligible music and video streaming services.'
+  - rule: capital-one-travel-hotels-vacation-rentals-car-rentals
+    url: https://disclosures.capitalone.com/disclosure.42167.en-US.html
+    quote: '5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel'
   - rule: annual_fee
     url: https://www.capitalone.com/credit-cards/savor/
     quote: '$0 annual fee Plus, there are no hidden or foreign transaction fees.'
+  - rule: welcome_offer
+    url: https://disclosures.capitalone.com/disclosure.42167.en-US.html
+    quote: 'You will earn a $200 bonus if you spend at least $500 within 3 months'
   - rule: welcome_offer
     url: https://www.capitalone.com/credit-cards/savor/
     quote: 'Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months'

package/data/cards/capital-one-venture-x.yaml

@@ -3,10 +3,13 @@ name: Capital One Venture X Rewards Credit Card
 issuer: capital-one
 network: visa # Visa Infinite, per the card page's footnotes
 currency: C1
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://www.capitalone.com/credit-cards/venture-x/
+  # The card page's "Important disclosures" (pricing and rewards FAQ); the
+  # number is the page's offer id and changes when Capital One changes it.
+  - https://disclosures.capitalone.com/disclosure.42201.en-US.html
 base_rate: 2
 annual_fee: 395
 welcome_offer:
@@ -19,7 +22,7 @@ rules:
     match:
       { merchants: [capital-one-travel-hotels, capital-one-travel-car-rentals] }
     rate: 10
-    note: Only when booked through Capital One Travel. Purchases paid with the annual $300 Capital One Travel credit earn no miles.
+    note: Only when booked through Capital One Travel. Purchases paid with the annual $300 Capital One Travel credit earn no miles, and hotel incidentals or upgrades paid outside Capital One Travel earn the base 2X.
   - id: capital-one-travel-flights-and-vacation-rentals
     match:
       {
@@ -35,7 +38,7 @@ rules:
 # Not modeled on purpose: the $300 annual Capital One Travel credit, the
 # 10,000-mile anniversary bonus and the $120 Global Entry/TSA PreCheck credit.
 todo:
-  - The card page doesn't say whether Premier Collection and Lifestyle Collection hotel bookings earn the 10X Capital One Travel rate. Modeled as regular Capital One Travel hotels.
+  - Neither the card page nor the rewards FAQ says whether Premier Collection and Lifestyle Collection hotel bookings earn the 10X Capital One Travel rate. Modeled as regular Capital One Travel hotels.
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
@@ -44,6 +47,12 @@ evidence:
   - rule: capital-one-travel-hotels-and-car-rentals
     url: https://www.capitalone.com/credit-cards/venture-x/
     quote: '10X Miles on hotels & rental cars booked through Capital One Travel'
+  - rule: capital-one-travel-hotels-and-car-rentals
+    url: https://disclosures.capitalone.com/disclosure.42201.en-US.html
+    quote: 'You will earn 10 miles per dollar on hotels and rental cars'
+  - rule: capital-one-travel-flights-and-vacation-rentals
+    url: https://disclosures.capitalone.com/disclosure.42201.en-US.html
+    quote: '5 miles per dollar on flights and vacation rentals booked through Capital One Travel'
   - rule: capital-one-travel-flights-and-vacation-rentals
     url: https://www.capitalone.com/credit-cards/venture-x/
     quote: '5X Miles on flights and vacation rentals booked through Capital One Travel'
@@ -53,6 +62,12 @@ evidence:
   - rule: annual_fee
     url: https://www.capitalone.com/credit-cards/venture-x/
     quote: 'ANNUAL FEE $395'
+  - rule: base_rate
+    url: https://disclosures.capitalone.com/disclosure.42201.en-US.html
+    quote: 'and 2 miles per dollar on all other purchases'
+  - rule: capital-one-entertainment
+    url: https://disclosures.capitalone.com/disclosure.42201.en-US.html
+    quote: 'Tickets purchased through the Capital One cardholder exclusive pre-sales'
   - rule: welcome_offer
     url: https://www.capitalone.com/credit-cards/venture-x/
     quote: 'Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening'

package/data/cards/capital-one-venture.yaml

@@ -5,10 +5,13 @@ issuer: capital-one
 # data says MasterCard; older Venture accounts may be on Visa.
 network: mastercard
 currency: C1
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://www.capitalone.com/credit-cards/venture/
+  # The card page's "Important disclosures" (pricing and rewards FAQ); the
+  # number is the page's offer id and changes when Capital One changes it.
+  - https://disclosures.capitalone.com/disclosure.42174.en-US.html
 base_rate: 2
 annual_fee: 95
 welcome_offer:
@@ -28,16 +31,15 @@ rules:
           ],
       }
     rate: 5
-    note: Only when booked through Capital One Travel. Flights booked there earn the base 2X.
+    note: Only when booked through Capital One Travel. Flights and activities booked there, and hotel incidentals or upgrades paid outside Capital One Travel, earn the base 2X.
   - id: capital-one-entertainment
     match: { merchants: [capital-one-entertainment] }
     rate: 5
-    note: Tickets bought on the Capital One Entertainment ticketing platform only. Tickets bought directly from Capital One Hall or Capital One Arena are excluded.
+    note: Tickets bought on the Capital One Entertainment ticketing platform only. Cardholder-exclusive pre-sales and tickets bought directly from Capital One Hall or Capital One Arena are excluded.
 # Not modeled on purpose: the first-year $300 Capital One Travel Stays credit
 # and the $120 Global Entry/TSA PreCheck credit.
 todo:
   - Network isn't shown in the card page's visible text. Set to mastercard from the page's embedded product data (cardNetwork MasterCard); confirm against a current card or the Rates & Fees disclosure.
-  - Capital One's transfer-partners article (capitalone.com/learn-grow/money-management/venture-miles-transfer-partnerships/) says Venture earns 5X on "activities" through Capital One Travel too. The card page doesn't, so activities aren't modeled.
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate
@@ -46,12 +48,24 @@ evidence:
   - rule: capital-one-travel-hotels-vacation-rentals-car-rentals
     url: https://www.capitalone.com/credit-cards/venture/
     quote: 'Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel.'
+  - rule: capital-one-travel-hotels-vacation-rentals-car-rentals
+    url: https://disclosures.capitalone.com/disclosure.42174.en-US.html
+    quote: '5 miles per dollar for purchases (hotel, car rental, and vacation rental only) made through Capital One Travel'
   - rule: capital-one-entertainment
     url: https://www.capitalone.com/credit-cards/venture/
     quote: 'Eligible cardholders will earn 5 miles per dollar spent on Capital One Entertainment purchases.'
+  - rule: capital-one-entertainment
+    url: https://disclosures.capitalone.com/disclosure.42174.en-US.html
+    quote: 'Tickets purchased through the Capital One cardholder exclusive pre-sales'
   - rule: annual_fee
     url: https://www.capitalone.com/credit-cards/venture/
     quote: 'ANNUAL FEE $95 PURCHASE RATE'
+  - rule: base_rate
+    url: https://disclosures.capitalone.com/disclosure.42174.en-US.html
+    quote: 'You will earn 2 miles per dollar on net purchases'
+  - rule: welcome_offer
+    url: https://disclosures.capitalone.com/disclosure.42174.en-US.html
+    quote: 'new cardmember bonus for the Capital One Venture card or the Capital One Venture X card'
   - rule: welcome_offer
     url: https://www.capitalone.com/credit-cards/venture/
     quote: 'plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months'

package/data/cards/chase-aeroplan.yaml

@@ -3,8 +3,8 @@ name: Chase Air Canada Aeroplan Card
 issuer: chase
 network: mastercard
 currency: aeroplan
-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/aircanada/aeroplan
   - https://www.chase.com/personal/credit-cards/rewards-category-faq
@@ -23,7 +23,7 @@ rules:
   - id: travel
     match: { categories: [travel] }
     rate: 3
-    note: In-flight purchases, merchants inside hotels and airports, and sellers of points or miles are excluded from Chase's travel category.
+    note: In-flight and on-board cruise purchases, sightseeing and attractions, merchants inside hotels and airports, and sellers of gift cards, points or miles are excluded from Chase's travel category.
   - id: transit-as-travel
     match: { categories: [transit] }
     rate: 3
@@ -99,3 +99,15 @@ evidence:
   - rule: welcome_offer
     url: https://creditcards.chase.com/travel-credit-cards/aircanada/aeroplan
     quote: 'Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open'
+  - 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-2026
+    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'
+  - 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-freedom-flex.yaml

@@ -3,12 +3,14 @@ name: Chase Freedom Flex
 issuer: chase
 network: mastercard
 currency: cash
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://creditcards.chase.com/cash-back-credit-cards/freedom/flex
   - https://www.chase.com/personal/credit-cards/education/rewards-benefits/how-to-combine-chase-credit-card-points-in-household
   - https://www.chase.com/personal/credit-cards/rewards-category-faq
+  - https://www.chase.com/personal/credit-cards/freedom/flex-learnmore
+  - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65280.html
 base_rate: 1
 annual_fee: 0
 welcome_offer:
@@ -48,8 +50,8 @@ rules:
     rate: 2
     valid_to: 2027-09-30
     note: Limited-time offer, for Lyft products bought in the Lyft app.
-  # Rotating 5% categories. Activation is per quarter; activating after the
-  # quarter starts still applies to the whole quarter.
+  # Rotating 5% categories. Activation is per quarter; activating any time
+  # before the deadline still applies to the whole quarter.
   - id: q4-2026-grocery
     match: { categories: [grocery] }
     exclude: { merchants: [walmart, target] }
@@ -58,15 +60,17 @@ rules:
     requires: { activation: true }
     valid_from: 2026-10-01
     valid_to: 2026-12-31
+    activate_by: 2026-12-14
     note: Grocery stores excluding Walmart and Target. Chase's grocery category also excludes warehouse clubs, discount stores and gas at grocery stores; delivery services count only if they code as a grocery store.
   - id: q4-2026-dining
     match: { categories: [dining] }
-    rate: 5
+    rate: 7
     cap: five-percent-quarterly
     requires: { activation: true }
     valid_from: 2026-10-01
     valid_to: 2026-12-31
-    note: Chase's terms say activated categories earn "5% Cash Back rewards total" (4% on top of the 1% base), so earnrate counts 5x (5% as cash back) until the $1,500 quarterly cap. Some blogs report 7% for dining (the 3% dining rate plus the 4% bonus); Chase's own terms don't say that.
+    activate_by: 2026-12-14
+    note: The 4% quarterly bonus stacks on the everyday 3% dining rate for 7% total, on the first $1,500 of combined bonus-category spend; then dining is back to 3%.
   - id: q4-2026-american-red-cross
     match: { merchants: [american-red-cross] }
     rate: 5
@@ -74,6 +78,8 @@ rules:
     requires: { activation: true }
     valid_from: 2026-10-01
     valid_to: 2026-12-31
+    activate_by: 2026-12-14
+    note: Donations made directly through the American Red Cross's official channels; gifts to local chapters may not count.
   - id: q1-2027-grocery
     match: { categories: [grocery] }
     exclude: { merchants: [walmart, target] }
@@ -84,7 +90,28 @@ rules:
     valid_to: 2027-03-31
     note: Grocery stores excluding Walmart and Target. Activation opens December 15, 2026.
   - id: q1-2027-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: 5
     cap: five-percent-quarterly
     requires: { activation: true }
@@ -117,15 +144,27 @@ evidence:
   - rule: q4-2026-grocery
     url: https://www.chase.com/personal/credit-cards/rewards-category-faq
     quote: 'Purchases made at gas stations from merchants who also operate grocery stores are not included'
+  - rule: q4-2026-grocery
+    url: https://www.chase.com/personal/credit-cards/freedom/flex-learnmore
+    quote: 'This quarter, the deadline for activation is December 14, 2026'
   - rule: q4-2026-dining
     url: https://creditcards.chase.com/cash-back-credit-cards/freedom/flex
     quote: 'Dining American Red Cross'
   - rule: q4-2026-dining
     url: https://creditcards.chase.com/cash-back-credit-cards/freedom/flex
     quote: '5% Cash Back rewards total for each $1 spent until $1,500 is spent'
+  - rule: q4-2026-dining
+    url: https://www.chase.com/personal/credit-cards/freedom/flex-learnmore
+    quote: 'For Dining purchases, you will earn 7% cash back (3% Dining cash back + 4% bonus category cash back)'
   - rule: q4-2026-american-red-cross
     url: https://creditcards.chase.com/cash-back-credit-cards/freedom/flex
     quote: 'American Red Cross'
+  - rule: q4-2026-american-red-cross
+    url: https://www.chase.com/personal/credit-cards/freedom/flex-learnmore
+    quote: 'To ensure your charitable donation is eligible for the 5% total Cash Back reward'
+  - rule: q4-2026-american-red-cross
+    url: https://www.chase.com/personal/credit-cards/freedom/flex-learnmore
+    quote: 'Local chapters may not be eligible due to transaction processing procedures'
   - rule: q1-2027-grocery
     url: https://creditcards.chase.com/cash-back-credit-cards/freedom/flex
     quote: 'NEXT QUARTER Grocery Stores'
@@ -141,11 +180,11 @@ evidence:
   - rule: annual_fee
     url: https://creditcards.chase.com/cash-back-credit-cards/freedom/flex
     quote: 'ANNUAL FEE $0'
+  - rule: annual_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65280.html
+    quote: 'Annual Membership Fee None'
   - rule: welcome_offer
     url: https://creditcards.chase.com/cash-back-credit-cards/freedom/flex
     quote: 'Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening'
 todo:
-  - "Chase's offer-details overlays for the Q4 2026 and Q1 2027 categories (exact grocery exclusions, what counts for American Red Cross) didn't render in the page dump; rules follow the calendar labels and the rewards-category FAQ."
-  - 'q4-2026-american-red-cross: what counts (presumably donations) is unconfirmed.'
-  - 'q4-2026-dining: whether the 4% additional stacks on the 3% dining rate (7% total) is unstated; showing 5% until Chase says.'
   - 'Q2 2027 (Apr-Jun) shows "Coming Soon"; add it after Chase posts it (activation opens March 15, 2027).'

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

@@ -3,11 +3,12 @@ name: Chase Freedom Unlimited
 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/freedom/unlimited
   - https://www.chase.com/personal/credit-cards/education/rewards-benefits/how-to-combine-chase-credit-card-points-in-household
+  - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC61498.html
 base_rate: 1.5
 annual_fee: 0
 welcome_offer:
@@ -64,6 +65,9 @@ evidence:
   - rule: annual_fee
     url: https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited
     quote: 'ANNUAL FEE $0'
+  - rule: annual_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC61498.html
+    quote: 'Annual Membership Fee None'
   - rule: welcome_offer
     url: https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited
     quote: 'Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening'

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

@@ -3,8 +3,8 @@ name: IHG One Rewards Business Credit Card
 issuer: chase
 network: mastercard
 currency: ihg-points
-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/IHG/business
   - https://www.chase.com/personal/credit-cards/rewards-category-faq
@@ -73,5 +73,21 @@ evidence:
   - rule: welcome_offer
     url: https://creditcards.chase.com/business-credit-cards/IHG/business
     quote: 'Earn 190,000 Bonus Points after spending $5,000 in the first 3 months from account opening'
+  - rule: flights-direct-and-car-rental
+    url: https://www.chase.com/personal/credit-cards/rewards-category-faq
+    quote: 'Only purchases for airline tickets made directly with the airline will qualify'
+  - rule: flights-direct-and-car-rental
+    url: https://www.chase.com/personal/credit-cards/rewards-category-faq
+    quote: 'Car rentals not booked directly with the car rental agency will not qualify'
+  - rule: travel-through-2026
+    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: office-supply-through-2026
+    url: https://www.chase.com/personal/credit-cards/rewards-category-faq
+    quote: 'Merchants in this category specialize in selling a variety of office supplies'
+  - rule: dining-gas-advertising
+    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'
 todo:
   - The $100 airline statement credit and the up to $100 yearly Expensify credit aren't modeled.
+  - 'Not modeled: 20,000 bonus points (and 5 Elite Night Credits) after $25,000 in purchases each calendar year (a spend milestone, not a rate).'

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

@@ -3,10 +3,11 @@ name: IHG One Rewards Premier Select Credit Card
 issuer: chase
 network: mastercard
 currency: ihg-points
-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/ihg-rewards-club/premier-select
+  - https://www.chase.com/personal/credit-cards/rewards-category-faq
 base_rate: 3
 annual_fee: 350
 welcome_offer:
@@ -42,3 +43,14 @@ evidence:
   - rule: welcome_offer
     url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier-select
     quote: 'Earn 200,000 Bonus Points after you spend $5,000 on purchases in the first 3 months from account opening'
+  - rule: travel-and-dining
+    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-and-dining
+    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: travel-and-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'
+todo:
+  - 'Not modeled: 20,000 bonus points (and 5 Elite Night Credits) after $15,000 in purchases each calendar year (a spend milestone, not a rate).'

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

@@ -3,8 +3,8 @@ name: IHG One Rewards Premier Credit Card
 issuer: chase
 network: mastercard
 currency: ihg-points
-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/ihg-rewards-club/premier
   - https://www.chase.com/personal/credit-cards/rewards-category-faq
@@ -68,5 +68,18 @@ evidence:
   - rule: not_with
     url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier
     quote: 'not available to either (i) current cardmembers of any personal IHG One Rewards Credit Card'
+  - rule: flights-direct-and-car-rental
+    url: https://www.chase.com/personal/credit-cards/rewards-category-faq
+    quote: 'Only purchases for airline tickets made directly with the airline will qualify'
+  - rule: flights-direct-and-car-rental
+    url: https://www.chase.com/personal/credit-cards/rewards-category-faq
+    quote: 'Car rentals not booked directly with the car rental agency will not qualify'
+  - rule: travel-through-2026
+    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: dining-grocery-gas
+    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'
 todo:
   - The $100 airline statement credit (after $250 on flights bought directly each calendar year, through 12/31/27) isn't modeled.
+  - 'Not modeled: 15,000 bonus points (and Platinum Elite status) after $15,000 in purchases each calendar year (a spend milestone, not a rate).'