earnrate 0.2.5 → 0.2.7

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

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

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

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

@@ -3,7 +3,7 @@ name: Citi / AAdvantage Business World Elite Mastercard
 issuer: citi
 network: mastercard
 currency: aadvantage-miles
-last_verified: 2026-10-31
+last_verified: 2026-11-01
 verified_by: claude
 source_urls:
   - https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card
@@ -17,16 +17,16 @@ welcome_offer:
   points: 75000
   spend: 5000
   months: 5
-  note: "Miles post to the business's AAdvantage Business account. Not available if you received a new account bonus for a Citi / AAdvantage Business account in the past 48 months, or converted another Citi card on which you earned a new account bonus in the last 48 months into one."
+  note: "Miles post to the business's AAdvantage Business account. Not available if you received a new account bonus for a Citi / AAdvantage Business account in the past 48 months, or converted another Citi card on which you earned a new account bonus in the last 48 months into one. Citi's terms also exclude anyone who got a new account bonus for a CitiBusiness / AAdvantage Platinum Select account in the past 48 months."
 rules:
   - id: american-airlines
     match: { merchants: [american-airlines] }
     rate: 2
-    note: Items billed by American Airlines as the merchant of record. Car rentals, hotel reservations, status boosts or renewals, and AA Cargo don't count.
+    note: Items billed by American Airlines as the merchant of record. Car rentals booked on aadvantagecars.com and hotels booked on aadvantagehotels.com don't count.
   - id: car-rentals
     match: { categories: [travel.car_rental] }
     rate: 2
-    note: Car and truck rental merchants. Not RV or motor home rentals, nor rentals bought through travel agencies, tour operators or third-party travel sites.
+    note: Car, truck and van rental merchants. Not RV or motor home rentals, nor rentals bought through travel agencies, tour operators or third-party travel sites, nor car rental redemptions through Rocketmiles.
   - id: gas-stations
     match: { categories: [gas] }
     exclude: { categories: [gas.superstore] }
@@ -49,6 +49,9 @@ evidence:
   - rule: american-airlines
     url: https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card
     quote: 'Eligible American Airlines purchases are items billed by American Airlines as the merchant of record.'
+  - rule: american-airlines
+    url: https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card
+    quote: 'Products or services that do not qualify are car rentals booked through aadvantagecars.com'
   - rule: car-rentals
     url: https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card
     quote: 'Earn 2 AAdvantage® miles for your business on every $1 spent at car rental merchants and gas stations'
@@ -64,6 +67,9 @@ evidence:
   - rule: telecom-cable-satellite
     url: https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card
     quote: 'Earn 2 AAdvantage® miles for your business on every $1 spent at telecommunications merchants and cable and satellite providers'
+  - rule: telecom-cable-satellite
+    url: https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card
+    quote: 'Cable and satellite providers are classified as merchants that provide the connection and ongoing delivery of television'
   - rule: annual_fee
     url: https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card
     quote: 'The annual fee is $99. However, this fee is waived for the first 12 months.'

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

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

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

@@ -1,10 +1,12 @@
 id: citi-aadvantage-mileup
 name: American Airlines AAdvantage MileUp Card
 issuer: citi
+# The card page's ID Theft Protection terms have cardholders enroll "with your
+# Citibank Mastercard", and its footer carries the Mastercard trademark notice.
 network: mastercard
 currency: aadvantage-miles
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://www.citi.com/credit-cards/aadvantage-mile-up-credit-card
 base_rate: 1
@@ -25,8 +27,6 @@ rules:
     rate: 2
     note: Supermarkets, meat and dairy stores, convenience stores, markets, specialty food vendors, bakeries and grocery delivery services. Not superstores, warehouse clubs, candy stores, cafes, bars or fast food.
 # Not modeled: 25% off inflight food and drink. Miles also earn Loyalty Points toward status, which aren't card earnings.
-todo:
-  - Network set to mastercard, but the card page doesn't state it. Check your card.
 evidence:
   - rule: base_rate
     url: https://www.citi.com/credit-cards/aadvantage-mile-up-credit-card
@@ -46,6 +46,9 @@ evidence:
   - rule: grocery-stores
     url: https://www.citi.com/credit-cards/aadvantage-mile-up-credit-card
     quote: 'discount superstores, wholesale'
+  - rule: grocery-stores
+    url: https://www.citi.com/credit-cards/aadvantage-mile-up-credit-card
+    quote: 'confectionery stores, cafes, bars, lounges, and fast food restaurants'
   - rule: annual_fee
     url: https://www.citi.com/credit-cards/aadvantage-mile-up-credit-card
     quote: 'Annual Fee - None. Fee for Foreign Purchases - 3%'

package/data/cards/citi-aadvantage-platinum-select.yaml

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

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

@@ -3,7 +3,7 @@ name: Costco Anywhere Visa Business Card by Citi
 issuer: citi
 network: visa
 currency: cash
-last_verified: 2026-10-31
+last_verified: 2026-11-01
 verified_by: claude
 source_urls:
   - https://www.citi.com/credit-cards/costco-anywhere-visa-business-card
@@ -32,7 +32,7 @@ rules:
     exclude: { categories: [gas.superstore, gas.grocery_store] }
     rate: 4
     cap: gas-and-ev-combined
-    note: Other eligible gas and EV charging worldwide. Gas or EV charging at some superstores, supermarkets and warehouse clubs other than Costco, and fuel for non-automobile use, earn 1%. Citi keeps a list of excluded merchants at citi.com/Costco_Exclusions.
+    note: Other eligible gas and EV charging worldwide. Gas or EV charging at some superstores, supermarkets and warehouse clubs other than Costco, and fuel for non-automobile use, earn 1%. Citi keeps a list of excluded merchants at citi.com/Costco_Exclusions (a PDF naming Walmart, Sam's Club, BJ's, Target, Meijer, Kroger, Albertsons, Safeway and other grocers).
   - id: restaurants
     match: { categories: [dining] }
     rate: 3
@@ -78,6 +78,9 @@ evidence:
   - rule: costco-travel
     url: https://www.citi.com/credit-cards/costco-anywhere-visa-business-card
     quote: 'On restaurants and eligible travel, including Costco Travel'
+  - rule: restaurants
+    url: https://www.citi.com/credit-cards/costco-anywhere-visa-business-card
+    quote: 'for purchases made at bakeries and certain restaurants'
   - rule: costco
     url: https://www.citi.com/credit-cards/costco-anywhere-visa-business-card
     quote: '2% cash back on all other purchases from Costco and Costco.com'

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

@@ -3,8 +3,8 @@ name: Costco Anywhere Visa Card by Citi
 issuer: citi
 network: visa
 currency: cash
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://www.citi.com/credit-cards/citi-costco-anywhere-visa-credit-card
   - https://www.costco.com/join-costco.html
@@ -31,7 +31,7 @@ rules:
     exclude: { categories: [gas.superstore, gas.grocery_store] }
     rate: 4
     cap: gas-and-ev-combined
-    note: Other eligible gas and EV charging worldwide. Gas or EV charging at superstores, supermarkets and warehouse clubs other than Costco, and fuel for non-automobile use, earn 1%. Citi keeps a list of excluded merchants at citi.com/Costco_Exclusions.
+    note: Other eligible gas and EV charging worldwide. Gas or EV charging at some superstores, supermarkets and warehouse clubs other than Costco, and fuel for non-automobile use, earn 1%. Citi keeps a list of excluded merchants at citi.com/Costco_Exclusions (a PDF naming Walmart, Sam's Club, BJ's, Target, Meijer, Kroger, Albertsons, Safeway and other grocers).
   - id: restaurants
     match: { categories: [dining] }
     rate: 3
@@ -77,6 +77,9 @@ evidence:
   - rule: costco-travel
     url: https://www.citi.com/credit-cards/citi-costco-anywhere-visa-credit-card
     quote: 'On restaurants and eligible travel, including Costco Travel'
+  - rule: restaurants
+    url: https://www.citi.com/credit-cards/citi-costco-anywhere-visa-credit-card
+    quote: 'for purchases made at bakeries and certain restaurants'
   - rule: costco
     url: https://www.citi.com/credit-cards/citi-costco-anywhere-visa-credit-card
     quote: '2% cash back on all other purchases from Costco and Costco.com'

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

@@ -3,8 +3,8 @@ name: Citi Custom Cash Card
 issuer: citi
 network: mastercard
 currency: cash
-last_verified: 2026-10-26
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 applications_closed: 2026-05-28
 # Existing cardmembers keep the card and its rewards. The card page no longer
 # lists the categories, so the definitions come from the card's current
@@ -61,19 +61,29 @@ choices:
       home-improvement-stores: [home_improvement]
       fitness-clubs: [fitness]
       live-entertainment: [entertainment]
+caps:
+  # Only one category earns 5% each billing cycle, so both 5% rules share it.
+  - id: top-category
+    amount: 500
+    period: month
+    then_rate: 1
 rules:
+  # Restaurant exclusions only apply when restaurants are the top category:
+  # Dodger Stadium tickets still count as live entertainment, and the
+  # Bellagio's rooms as select travel.
+  - id: top-category-restaurants
+    match: { choice: top-category, categories: [dining] }
+    exclude: { merchants: [doordash, uber-eats, dodger-stadium, bellagio] }
+    rate: 5
+    cap: top-category
+    note: When restaurants are the top category. Includes cafes, bars, lounges and fast food. Excludes bakeries, caterers, restaurants inside another business (hotels, stores, stadiums, grocery stores, warehouse clubs) and third-party dining delivery services. The first $500 in the billing cycle, then 1%.
   - id: top-category
     match: { choice: top-category }
-    # Third-party dining delivery doesn't count as restaurants; gas at
-    # warehouse clubs and discount stores doesn't count as gas.
-    exclude:
-      {
-        categories: [gas.superstore],
-        merchants: [doordash, uber-eats, dodger-stadium, bellagio],
-      }
+    # Gas at warehouse clubs and discount stores doesn't count as gas.
+    exclude: { categories: [dining, gas.superstore] }
     rate: 5
-    cap: { amount: 500, period: month, then_rate: 1 }
-    note: Citi applies 5% automatically to your highest-spend eligible category each billing cycle (its decision is final), on the first $500 spent, then 1%. Grocery includes supermarkets, meat/seafood and dairy stores, bakeries and convenience stores, but not superstores or warehouse clubs. Select travel is airlines, hotels, cruise lines and travel agencies. Select transit includes car rentals, rail, subways, taxis and car services, tolls, parking, buses and EV charging. Streaming bundled with another product or billed by a third party doesn't count.
+    cap: top-category
+    note: Citi applies 5% automatically to your highest-spend eligible category each billing cycle (its decision is final), on the first $500 spent, then 1%. Grocery includes supermarkets, meat/seafood and dairy stores, bakeries and convenience stores, but not superstores, warehouse clubs or candy stores; online grocery and grocery delivery count only if the merchant codes as a supermarket. Select travel is airlines, hotels, cruise lines and travel agencies, not timeshares or campgrounds. Select transit includes car rentals, rail, subways, taxis and car services, tolls, parking, buses and EV charging, not bike or scooter rentals. Streaming bundled with another product or billed by a third party doesn't count. Live entertainment excludes movie theaters, museums and tourist attractions.
   - id: citi-travel-hotels-cars-attractions
     match:
       {
@@ -85,7 +95,7 @@ rules:
           ],
       }
     rate: 5
-    note: 4 extra points per $1 on top of the 1% base, for hotels, car rentals and attractions booked with Citi Travel. Citi's terms don't say whether the extra 4 also stacks on the 5% when travel or transit is the top category.
+    note: 4 extra points per $1 on top of the 1% base, for hotels, car rentals and attractions booked with Citi Travel. Only the part paid with the card earns, and canceled bookings don't. Citi's terms don't say whether the extra 4 also stacks on the 5% when travel or transit is the top category.
 todo:
   - Network set to mastercard, but no current Citi page states it (the card page is now a "Not Available" stub). Check your card.
   - Travel agencies (MCC 4722) count toward select travel, but a choice option can only list categories or merchants, so they aren't in the option.
@@ -114,6 +124,27 @@ evidence:
   - rule: top-category
     url: https://www.thankyou.com/ccterms
     quote: 'Citibank shall have the sole right to determine the highest spend category each billing cycle'
+  - rule: top-category-restaurants
+    url: https://www.thankyou.com/ccterms
+    quote: 'Includes purchases at cafes, bars, lounges and fast food restaurants.'
+  - rule: top-category-restaurants
+    url: https://www.thankyou.com/ccterms
+    quote: 'Excludes purchases at bakeries, caterers, restaurants located inside another business'
+  - rule: top-category-restaurants
+    url: https://www.thankyou.com/ccterms
+    quote: 'and third party dining delivery services'
+  - rule: top-category
+    url: https://www.thankyou.com/ccterms
+    quote: 'Excludes gasoline purchases at warehouse clubs, discount stores, convenience stores'
+  - rule: top-category
+    url: https://www.thankyou.com/ccterms
+    quote: 'Excludes purchases at general merchandise/discount superstores; wholesale/warehouse clubs'
+  - rule: top-category
+    url: https://www.thankyou.com/ccterms
+    quote: 'if the charge is bundled with another product, membership, or service'
+  - rule: citi-travel-hotels-cars-attractions
+    url: https://www.thankyou.com/ccterms
+    quote: 'only the portion paid with your card will earn points'
   - rule: citi-travel-hotels-cars-attractions
     url: https://www.citi.com/credit-cards/citi-custom-cash-credit-card
     quote: 'additional 4% cash back on hotels, car rentals, and attractions booked with Citi Travel'

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

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

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

@@ -3,8 +3,8 @@ name: My Best Buy Visa Card
 issuer: citi
 network: visa
 currency: best-buy-rewards
-last_verified: 2026-10-24
-verified_by: collin
+last_verified: 2026-11-01
+verified_by: claude
 source_urls:
   - https://www.citi.com/credit-cards/citi-best-buy-credit-cards
 # Rates are points per dollar. A point is worth 2¢ in Best Buy rewards, so 2.5
@@ -15,7 +15,7 @@ rules:
   - id: best-buy
     match: { merchants: [best-buy, pacific-kitchen-home] }
     rate: 2.5
-    note: Only when paying with Standard Credit, not a financing plan. My Best Buy Plus/Total members also earn the membership's own rewards, counted separately.
+    note: Only when paying with Standard Credit, not a financing plan; tax doesn't earn. My Best Buy Plus/Total members also earn the membership's own rewards, counted separately.
   - id: gas
     match: { categories: [gas] }
     rate: 1.5
@@ -38,6 +38,9 @@ evidence:
   - rule: best-buy
     url: https://www.citi.com/credit-cards/citi-best-buy-credit-cards
     quote: 'or Pacific Kitchen & Home'
+  - rule: best-buy
+    url: https://www.citi.com/credit-cards/citi-best-buy-credit-cards
+    quote: 'are only awarded when you select Standard Credit'
   - rule: gas
     url: https://www.citi.com/credit-cards/citi-best-buy-credit-cards
     quote: 'per $1 spent at gas stations (3% back in rewards)'

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

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

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
@@ -27,7 +27,7 @@ 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
@@ -71,3 +71,12 @@ evidence:
   - 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'