earnrate 0.2.7 → 0.2.9

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

@@ -12,6 +12,7 @@ source_urls:
   - https://disclosures.capitalone.com/disclosure.42201.en-US.html
 base_rate: 2
 annual_fee: 395
+foreign_transaction_fee: 0
 welcome_offer:
   points: 75000
   spend: 4000
@@ -71,3 +72,6 @@ evidence:
   - 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'
+  - rule: foreign_transaction_fee
+    url: https://www.capitalone.com/credit-cards/venture-x/
+    quote: 'No Foreign Transaction Fees'

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

@@ -14,6 +14,7 @@ source_urls:
   - https://disclosures.capitalone.com/disclosure.42174.en-US.html
 base_rate: 2
 annual_fee: 95
+foreign_transaction_fee: 0
 welcome_offer:
   points: 75000
   spend: 4000
@@ -69,3 +70,6 @@ evidence:
   - 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'
+  - rule: foreign_transaction_fee
+    url: https://www.capitalone.com/credit-cards/venture/
+    quote: 'No foreign transaction fees, blackout dates or seat restrictions'

package/data/cards/chase-aeroplan.yaml

@@ -8,8 +8,10 @@ verified_by: claude
 source_urls:
   - https://creditcards.chase.com/travel-credit-cards/aircanada/aeroplan
   - https://www.chase.com/personal/credit-cards/rewards-category-faq
+  - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65070.html
 base_rate: 1
 annual_fee: 195
+foreign_transaction_fee: 0
 welcome_offer:
   points: 75000
   spend: 4000
@@ -111,3 +113,6 @@ evidence:
   - 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'
+  - rule: foreign_transaction_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65070.html
+    quote: 'Foreign Transactions None Penalty Fees'

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

@@ -13,6 +13,7 @@ source_urls:
   - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65280.html
 base_rate: 1
 annual_fee: 0
+foreign_transaction_fee: 0
 welcome_offer:
   dollars: 250
   spend: 500
@@ -186,5 +187,8 @@ evidence:
   - 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'
+  - rule: foreign_transaction_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65280.html
+    quote: 'Foreign Transactions None Penalty Fees'
 todo:
   - '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

@@ -11,6 +11,7 @@ source_urls:
   - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC61498.html
 base_rate: 1.5
 annual_fee: 0
+foreign_transaction_fee: 3
 welcome_offer:
   dollars: 200
   spend: 500
@@ -71,3 +72,6 @@ evidence:
   - 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'
+  - rule: foreign_transaction_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC61498.html
+    quote: 'Foreign Transactions 3% of the amount of each transaction in U.S. dollars'

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

@@ -8,9 +8,11 @@ verified_by: claude
 source_urls:
   - https://creditcards.chase.com/business-credit-cards/IHG/business
   - https://www.chase.com/personal/credit-cards/rewards-category-faq
+  - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65355.html
 base_rate: 3
 business: true
 annual_fee: 200
+foreign_transaction_fee: 0
 welcome_offer:
   points: 190000
   spend: 5000
@@ -39,6 +41,20 @@ rules:
     rate: 5
     valid_to: 2026-12-31
     note: Stores that specialize in office supplies. Purchases posting after Dec 31, 2026 earn the 3x base rate.
+milestones:
+  - id: spend-25k
+    spend: 25000
+    period: calendar_year
+    points: 20000
+    rewards:
+      - 5 Elite Night Credits
+    note: "Every purchase on the card counts, by transaction date; balance transfers, cash advances and cash-like transactions don't. Chase says to allow 6-8 weeks for it to post."
+  - id: spend-60k
+    spend: 60000
+    period: calendar_year
+    rewards:
+      - a free night at IHG hotels (up to 50,000 points)
+    note: 'Use it within 12 months.'
 evidence:
   - rule: base_rate
     url: https://creditcards.chase.com/business-credit-cards/IHG/business
@@ -88,6 +104,18 @@ evidence:
   - 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'
+  - rule: spend-25k
+    url: https://creditcards.chase.com/business-credit-cards/IHG/business
+    quote: 'Earn 20,000 bonus points after you spend $25,000 on purchases each calendar year.'
+  - rule: spend-25k
+    url: https://creditcards.chase.com/business-credit-cards/IHG/business
+    quote: 'will qualify for 5 Elite Night credits and 20,000 bonus points after spending $25,000'
+  - rule: spend-60k
+    url: https://creditcards.chase.com/business-credit-cards/IHG/business
+    quote: 'After spending $60,000 with your IHG One Rewards Business Credit Card in purchases each calendar year'
+  - rule: foreign_transaction_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65355.html
+    quote: 'Foreign Transactions None Penalty Fees'
 todo:
+  - "Starting January 1, 2027, $50,000 of purchases in a calendar year earns Diamond Elite status. It isn't listed as a milestone yet, because a milestone has no start date."
   - 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

@@ -8,8 +8,10 @@ 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
+  - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65336.html
 base_rate: 3
 annual_fee: 350
+foreign_transaction_fee: 0
 welcome_offer:
   points: 200000
   spend: 5000
@@ -24,6 +26,26 @@ rules:
     match: { categories: [travel, transit, dining] }
     rate: 6
     note: Chase's whole travel category, including rideshare, trains, buses, tolls and parking. Dining includes takeout and eligible delivery services.
+milestones:
+  - id: spend-15k
+    spend: 15000
+    period: calendar_year
+    points: 20000
+    rewards:
+      - 5 Elite Night Credits
+    note: "Every purchase on the card counts, by transaction date; balance transfers, cash advances and cash-like transactions don't. Chase says to allow 6-8 weeks for it to post."
+  - id: spend-25k
+    spend: 25000
+    period: calendar_year
+    rewards:
+      - Diamond Elite status
+    note: Status lasts through the end of the next calendar year.
+  - id: spend-40k
+    spend: 40000
+    period: calendar_year
+    rewards:
+      - a free night at IHG hotels (up to 60,000 points)
+    note: 'A second free night on top of the Anniversary Free Night; use it within 12 months.'
 evidence:
   - rule: base_rate
     url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier-select
@@ -52,5 +74,18 @@ evidence:
   - 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).'
+  - rule: spend-15k
+    url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier-select
+    quote: 'Earn 20,000 bonus points after you spend $15,000 on purchases each calendar year.'
+  - rule: spend-15k
+    url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier-select
+    quote: 'will qualify for 5 Elite Night credits and 20,000 bonus points after spending $15,000'
+  - rule: spend-25k
+    url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier-select
+    quote: 'After spending $25,000 with your IHG One Rewards Premier Select Credit Card in purchases each calendar year'
+  - rule: spend-40k
+    url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier-select
+    quote: 'Earn an additional Anniversary Free Night with a current point redemption cap of 60,000 points after spending $40,000'
+  - rule: foreign_transaction_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65336.html
+    quote: 'Foreign Transactions None Penalty Fees'

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

@@ -8,8 +8,10 @@ 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
+  - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65294.html
 base_rate: 3
 annual_fee: 150
+foreign_transaction_fee: 0
 welcome_offer:
   points: 180000
   spend: 3000
@@ -34,6 +36,21 @@ rules:
     rate: 5
     valid_to: 2026-12-31
     note: All of Chase's travel category (which includes trains, buses, taxis and rideshare, tolls and parking) until purchases post after Dec 31, 2026. After that, other travel earns the 3x base rate.
+milestones:
+  - id: spend-15k
+    spend: 15000
+    period: calendar_year
+    points: 15000
+    rewards:
+      - Platinum Elite status
+      - 5 Elite Night Credits
+    note: "Every purchase on the card counts, by transaction date; balance transfers, cash advances and cash-like transactions don't. Status lasts through the end of the next calendar year. Chase says to allow 6-8 weeks for it to post."
+  - id: spend-40k
+    spend: 40000
+    period: calendar_year
+    rewards:
+      - Diamond Elite status
+    note: Status lasts through the end of the next calendar year.
 evidence:
   - rule: base_rate
     url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier
@@ -80,6 +97,17 @@ evidence:
   - 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'
+  - rule: spend-15k
+    url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier
+    quote: 'Earn 15,000 bonus points after you spend $15,000 on purchases each calendar year.'
+  - rule: spend-15k
+    url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier
+    quote: 'will qualify for Platinum Elite Status, 5 Elite Night credits and 15,000 bonus points'
+  - rule: spend-40k
+    url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier
+    quote: 'After spending $40,000 with your IHG One Rewards Premier Credit Card in purchases each calendar year'
+  - rule: foreign_transaction_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65294.html
+    quote: 'Foreign Transactions None Penalty Fees'
 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).'

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

@@ -8,8 +8,10 @@ verified_by: claude
 source_urls:
   - https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/one-rewards
   - https://www.chase.com/personal/credit-cards/rewards-category-faq
+  - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65295.html
 base_rate: 2
 annual_fee: 0
+foreign_transaction_fee: 0
 welcome_offer:
   points: 125000
   spend: 2000
@@ -26,11 +28,47 @@ rules:
     match: { categories: [dining, grocery.supermarket, gas] }
     rate: 3
     note: Dining includes takeout and eligible delivery services. Chase's grocery stores exclude warehouse clubs, discount stores, drugstores and gas at grocery-store stations; delivery services count only if they code as a grocery store.
-  - id: bills-and-streaming-through-2026
-    match: { categories: [utilities, tv_internet, phone, streaming] }
+  - id: bills-through-2026
+    match: { categories: [utilities, tv_internet, phone] }
     rate: 3
     valid_to: 2026-12-31
-    note: Utilities; internet, cable and phone; and select streaming services (Chase's list includes Netflix, Hulu, Disney+, Max, Spotify, YouTube TV and others). Purchases posting after Dec 31, 2026 earn the 2x base rate.
+    note: Utilities; internet, cable and phone. Purchases posting after Dec 31, 2026 earn the 2x base rate.
+  - id: streaming-through-2026
+    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
+    valid_to: 2026-12-31
+    note: Only Chase's select streaming list (Apple Music, Apple TV, Disney+, ESPN+, Fubo TV, Max, Hulu, Netflix, Pandora, Paramount+, Peacock, Showtime, SiriusXM, Sling, Spotify, YouTube Premium, YouTube TV and Vudu). Purchases posting after Dec 31, 2026 earn the 2x base rate.
+milestones:
+  - id: spend-15k
+    spend: 15000
+    period: calendar_year
+    points: 10000
+    rewards:
+      - Gold Elite status
+    note: "Every purchase on the card counts, by transaction date; balance transfers, cash advances and cash-like transactions don't. Status lasts through the end of the next calendar year. Chase says to allow 6-8 weeks for it to post."
 evidence:
   - rule: base_rate
     url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/one-rewards
@@ -50,10 +88,13 @@ evidence:
   - rule: dining-grocery-gas
     url: https://www.chase.com/personal/credit-cards/rewards-category-faq
     quote: 'Delivery service merchants will be included if they classify as a grocery store merchant.'
-  - rule: bills-and-streaming-through-2026
+  - rule: bills-through-2026
+    url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/one-rewards
+    quote: 'through December 31, 2026 in the following rewards categories: utilities; internet, cable, and phone services; select streaming services'
+  - rule: streaming-through-2026
     url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/one-rewards
     quote: 'through December 31, 2026 in the following rewards categories: utilities; internet, cable, and phone services; select streaming services'
-  - rule: bills-and-streaming-through-2026
+  - rule: streaming-through-2026
     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: annual_fee
@@ -68,8 +109,17 @@ evidence:
   - 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'
-  - rule: bills-and-streaming-through-2026
+  - rule: bills-through-2026
     url: https://www.chase.com/personal/credit-cards/rewards-category-faq
     quote: 'Purchases in this category include electric, household fuel, water, and sanitation services'
+  - rule: spend-15k
+    url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/one-rewards
+    quote: 'Earn 10,000 bonus points after you spend $15,000 on purchases each calendar year.'
+  - rule: spend-15k
+    url: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/one-rewards
+    quote: 'will qualify for Gold Elite Status and 10,000 bonus points after spending $15,000'
+  - rule: foreign_transaction_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65295.html
+    quote: 'Foreign Transactions None Penalty Fees'
 todo:
-  - 'Not modeled: 10,000 bonus points after $15,000 in purchases each calendar year (a spend milestone, not a rate).'
+  - "Starting in 2027, $5,000 of purchases in a calendar year unlocks a 4th Reward Night free on four-night award stays. It isn't listed as a milestone yet, because a milestone has no start date."

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

@@ -13,6 +13,7 @@ source_urls:
 base_rate: 1
 business: true
 annual_fee: 0
+foreign_transaction_fee: 3
 welcome_offer:
   dollars: 750
   spend: 6000
@@ -99,3 +100,6 @@ evidence:
   - rule: welcome_offer
     url: https://creditcards.chase.com/business-credit-cards/ink/cash
     quote: 'Earn $750 cash back after you spend $6,000 on purchases in the first 3 months after account opening'
+  - rule: foreign_transaction_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC63827.html
+    quote: 'Foreign Transactions 3% of the amount of each transaction in U.S. dollars'

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

@@ -12,6 +12,7 @@ source_urls:
 base_rate: 1
 business: true
 annual_fee: 95
+foreign_transaction_fee: 0
 welcome_offer:
   points: 100000
   spend: 8000
@@ -96,5 +97,8 @@ evidence:
   - 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'
+  - rule: foreign_transaction_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC63764.html
+    quote: 'Foreign Transactions None Penalty Fees'
 todo:
   - "lyft: once the $150,000 3x cap is used up, Chase's wording implies Lyft drops to 3x (1 + 2 extra), not 5x; the schema can't share the cap with a different then_rate, so this rule stays at 5x uncapped."

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

@@ -11,6 +11,7 @@ source_urls:
   - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC59329.html
 base_rate: 1
 annual_fee: 0
+foreign_transaction_fee: 0
 welcome_offer:
   dollars: 150
   spend: 0
@@ -38,9 +39,14 @@ rules:
     rate: 5
     requires: { membership: amazon-prime }
   - id: amazon-without-prime
-    match: { merchants: [amazon, amazon-fresh, whole-foods, audible] }
+    match: { merchants: [amazon, amazon-fresh, audible] }
     rate: 3
     note: Without an eligible Prime membership these earn 3% instead of 5%.
+  - id: whole-foods-without-prime
+    match: { merchants: [whole-foods] }
+    rate: 3
+    geography: us_only
+    note: Without an eligible Prime membership, Whole Foods earns 3% instead of 5%, in the U.S. only.
   - id: chase-travel
     match: { merchants: [chase-travel] }
     rate: 5
@@ -93,6 +99,12 @@ evidence:
   - rule: amazon-without-prime
     url: https://creditcards.chase.com/cash-back-credit-cards/amazon-prime-rewards
     quote: '3% back without an eligible Prime membership for each $1 of eligible purchases'
+  - rule: whole-foods-without-prime
+    url: https://creditcards.chase.com/cash-back-credit-cards/amazon-prime-rewards
+    quote: '3% back without an eligible Prime membership for each $1 of eligible purchases'
+  - rule: whole-foods-without-prime
+    url: https://creditcards.chase.com/cash-back-credit-cards/amazon-prime-rewards
+    quote: 'purchases made at international Whole Foods Markets'
   - rule: chase-travel
     url: https://creditcards.chase.com/cash-back-credit-cards/amazon-prime-rewards
     quote: '5% back or 3% back through Chase Travel'
@@ -120,3 +132,6 @@ evidence:
   - 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"
+  - rule: foreign_transaction_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC59329.html
+    quote: 'Foreign Transactions None Penalty Fees'

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

@@ -11,6 +11,7 @@ source_urls:
   - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65222.html
 base_rate: 1
 annual_fee: 95
+foreign_transaction_fee: 0
 welcome_offer:
   points: 75000
   spend: 5000
@@ -140,5 +141,8 @@ evidence:
   - 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'
+  - rule: foreign_transaction_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65222.html
+    quote: 'Foreign Transactions None Penalty Fees'
 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

@@ -11,6 +11,7 @@ source_urls:
   - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC64842.html
 base_rate: 1
 annual_fee: 795
+foreign_transaction_fee: 0
 welcome_offer:
   points: 100000
   spend: 6000
@@ -92,5 +93,8 @@ evidence:
   - 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'
+  - rule: foreign_transaction_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC64842.html
+    quote: 'Foreign Transactions None Penalty Fees'
 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-southwest-performance-business.yaml

@@ -13,6 +13,7 @@ source_urls:
 base_rate: 1
 business: true
 annual_fee: 299
+foreign_transaction_fee: 0
 welcome_offer:
   points: 80000
   spend: 5000
@@ -97,3 +98,6 @@ evidence:
   - 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'
+  - rule: foreign_transaction_fee
+    url: https://creditcards.chase.com/southwest/performance-business-credit-card
+    quote: 'No Foreign Transaction Fees: See Cardmember Agreement for details'

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

@@ -11,6 +11,7 @@ source_urls:
   - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC64433.html
 base_rate: 1
 annual_fee: 99
+foreign_transaction_fee: 0
 welcome_offer:
   points: 80000
   spend: 1000
@@ -84,3 +85,6 @@ evidence:
   - 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: foreign_transaction_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC64433.html
+    quote: 'Foreign Transactions None Penalty Fees'

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

@@ -13,6 +13,7 @@ source_urls:
 base_rate: 1
 business: true
 annual_fee: 149
+foreign_transaction_fee: 0
 welcome_offer:
   points: 60000
   spend: 3000
@@ -87,3 +88,6 @@ evidence:
   - 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'
+  - rule: foreign_transaction_fee
+    url: https://creditcards.chase.com/southwest/premier-business-credit-card
+    quote: 'No Foreign Transaction Fees: See Cardmember Agreement for details'

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

@@ -11,6 +11,7 @@ source_urls:
   - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC64337.html
 base_rate: 1
 annual_fee: 149
+foreign_transaction_fee: 0
 welcome_offer:
   points: 85000
   spend: 2000
@@ -84,3 +85,6 @@ evidence:
   - 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: foreign_transaction_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC64337.html
+    quote: 'Foreign Transactions None Penalty Fees'

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

@@ -11,6 +11,7 @@ source_urls:
   - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC64414.html
 base_rate: 1
 annual_fee: 229
+foreign_transaction_fee: 0
 welcome_offer:
   points: 90000
   spend: 3000
@@ -76,3 +77,6 @@ evidence:
   - 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: foreign_transaction_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC64414.html
+    quote: 'Foreign Transactions None Penalty Fees'

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

@@ -8,9 +8,11 @@ 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
+  - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65426.html
 base_rate: 1
 business: true
 annual_fee: 150
+foreign_transaction_fee: 0
 welcome_offer:
   points: 90000
   spend: 5000
@@ -83,3 +85,6 @@ evidence:
   - 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'
+  - rule: foreign_transaction_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65426.html
+    quote: 'Foreign Transactions None Penalty Fees'

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

@@ -7,9 +7,11 @@ last_verified: 2026-11-01
 verified_by: claude
 source_urls:
   - https://creditcards.chase.com/business-credit-cards/united/united-club-business
+  - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65424.html
 base_rate: 1.5
 business: true
 annual_fee: 695
+foreign_transaction_fee: 0
 welcome_offer:
   points: 90000
   spend: 5000
@@ -52,3 +54,6 @@ evidence:
   - rule: renowned-hotels
     url: https://creditcards.chase.com/business-credit-cards/united/united-club-business
     quote: 'hotel accommodation purchases made using your card with Renowned Hotels and Resorts for United'
+  - rule: foreign_transaction_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65424.html
+    quote: 'Foreign Transactions None Penalty Fees'

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

@@ -8,8 +8,10 @@ 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
+  - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC62957.html
 base_rate: 1
 annual_fee: 695
+foreign_transaction_fee: 0
 welcome_offer:
   points: 90000
   spend: 5000
@@ -85,3 +87,6 @@ evidence:
   - 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'
+  - rule: foreign_transaction_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC62957.html
+    quote: 'Foreign Transactions None Penalty Fees'

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

@@ -8,9 +8,11 @@ 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
+  - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC63218.html
 base_rate: 1
 annual_fee: 150
 first_year_fee: 0
+foreign_transaction_fee: 0
 welcome_offer:
   points: 70000
   spend: 3000
@@ -69,3 +71,6 @@ evidence:
   - 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'
+  - rule: foreign_transaction_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC63218.html
+    quote: 'Foreign Transactions None Penalty Fees'

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

@@ -8,8 +8,10 @@ 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
+  - https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65777.html
 base_rate: 1
 annual_fee: 0
+foreign_transaction_fee: 0
 welcome_offer:
   points: 40000
   spend: 1000
@@ -62,3 +64,6 @@ 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: foreign_transaction_fee
+    url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65777.html
+    quote: 'Foreign Transactions None Penalty Fees'