earnrate 0.2.9 → 0.2.10

package/data/CHANGELOG.md

@@ -2,6 +2,18 @@
 
 Every change to card rules, merchants, categories or currencies under `data/`. Bump `data/VERSION` (`YYYY.MM.DD`, plus `.N` for a second release on the same day) and add a section here in the same commit. Each row cites the issuer page the new value came from.
 
+## 2026.11.03.4
+
+Fixes from testing 0.2.9 in Claude. "BJ's" alone now means BJ's Wholesale Club (BJ's Restaurant & Brewhouse keeps its own names), and the streaming rules on Blue Cash Preferred, United Quest and IHG One Rewards read "select streaming services" with a few examples instead of every service. No rates changed.
+
+| Card or merchant         | Field             | Old → new                                                        | Source                                                                                                 |
+| ------------------------ | ----------------- | ---------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------ |
+| bjs-wholesale-club       | aliases           | adds "BJ's"                                                      | n/a                                                                                                    |
+| bjs-restaurant           | file              | moved to overrides.yaml, so its own names still win over "BJ's"  | n/a                                                                                                    |
+| amex-blue-cash-preferred | us-streaming note | shortened; the services earnrate doesn't know yet move to a todo | [Amex Select U.S. Streaming list](https://www.americanexpress.com/us/content/rewards-info/retail.html) |
+| chase-united-quest       | streaming note    | shortened                                                        | [Chase rewards category FAQ](https://www.chase.com/personal/credit-cards/rewards-category-faq)         |
+| chase-ihg-one-rewards    | streaming note    | shortened                                                        | [Chase rewards category FAQ](https://www.chase.com/personal/credit-cards/rewards-category-faq)         |
+
 ## 2026.11.03.3
 
 Every card has a foreign transaction fee, from its issuer's rates-and-fees table where one is readable. Abroad, answers rank each card after its fee. Atmos Rewards Summit's 3x on foreign purchases is modeled with a new `foreign_only` geography. Six cards have no readable page stating the fee and are left as todos.

package/data/VERSION

@@ -1 +1 @@
-2026.11.03.3
+2026.11.03.4

package/data/cards/amex-blue-cash-preferred.yaml

@@ -61,7 +61,7 @@ rules:
       }
     rate: 6
     geography: us_only
-    note: Only providers on Amex's Select U.S. Streaming Subscriptions list (americanexpress.com/rewards-info, read 2026-11-03). The list also names AMC+, Britbox, iHeartRadio, Kindle Unlimited, Luminary and MGM+, which earnrate doesn't know as stores yet. Subscriptions bundled with or billed by another company (cable, phone, a car maker) may not count.
+    note: Only the services on Amex's Select U.S. Streaming list, like Netflix, Hulu, Disney+, Spotify and Audible. Subscriptions bundled with or billed by another company (cable, phone, a car maker) may not count.
   - id: transit
     match: { categories: [transit] }
     rate: 3
@@ -72,6 +72,8 @@ rules:
     rate: 3
     geography: us_only
     note: Superstores, supermarkets and warehouse clubs that sell gas are not gas stations.
+todo:
+  - Amex's Select U.S. Streaming list also names AMC+, Britbox, iHeartRadio, Kindle Unlimited, Luminary and MGM+, which earnrate doesn't know as stores yet.
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.
 evidence:
   - rule: base_rate

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

@@ -60,7 +60,7 @@ rules:
       }
     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.
+    note: Only the services on Chase's select streaming list, like Netflix, Hulu, Disney+ and Spotify. Purchases posting after Dec 31, 2026 earn the 2x base rate.
 milestones:
   - id: spend-15k
     spend: 15000

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

@@ -64,7 +64,7 @@ rules:
           ],
       }
     rate: 2
-    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, Vudu).
+    note: Only the services on Chase's select streaming list, like Netflix, Hulu, Disney+ and Spotify.
 todo:
   - United Card Events from Chase also earn 4x; no merchant exists for them, so they aren't modeled.
 # Issuer text backing each rule; `yarn check-sources` checks it weekly.

package/data/merchants/overrides.yaml

@@ -287,10 +287,16 @@
 # drugstores" (chase.com/personal/credit-cards/rewards-category-faq).
 - id: bjs-wholesale-club
   name: "BJ's Wholesale Club"
-  aliases: [bjs wholesale, bjs wholesale club, bjs club]
+  aliases: [bjs, bjs wholesale, bjs wholesale club, bjs club]
   domains: [bjs.com]
   category: warehouse_club
-  note: Codes as a warehouse club, which Amex, Chase and Capital One leave out of their grocery bonuses.
+  note: Codes as a warehouse club, which Amex, Chase and Capital One leave out of their grocery bonuses. For the restaurant chain, ask about BJ's Restaurant & Brewhouse.
+# Listed here, beside BJ's Wholesale Club, so "BJ's" alone means the club
+# and the restaurant still answers to its own names.
+- id: bjs-restaurant
+  name: "BJ's Restaurant & Brewhouse"
+  aliases: [bjs restaurant, bjs restaurant and brewhouse, bjs brewhouse]
+  category: dining
 - id: bjs-gas
   name: "BJ's Gas"
   aliases: [bjs gas, bjs gas station]

package/data/merchants/seed.yaml

@@ -266,12 +266,6 @@
     aliases: [pf changs, p f changs, p.f. changs],
     category: dining,
   }
-- {
-    id: bjs-restaurant,
-    name: "BJ's Restaurant & Brewhouse",
-    aliases: [bjs restaurant, bjs restaurant and brewhouse, bjs brewhouse],
-    category: dining,
-  }
 - { id: waffle-house, name: Waffle House, category: dining }
 - {
     id: tgi-fridays,

package/dist/engine/explore.js

@@ -2,7 +2,7 @@ import { categoryResolution, resolvePlace } from "../merchants/resolve.js";
 import { evaluateCard, purchaseContext } from "./evaluate.js";
 import { membershipName, membershipNeeded, paidMemberships, } from "./memberships.js";
 import { choicePeriod, periodKey } from "./periods.js";
-import { recommend } from "./recommend.js";
+import { FOREIGN_ASSUMPTION, isForeign, recommend } from "./recommend.js";
 import { rotationGap } from "./rotation.js";
 import { membershipsUsed } from "./setup.js";
 import { optionName } from "./rule-text.js";
@@ -129,8 +129,10 @@ function membershipUpgrades(catalog, card, held, merchant, purchase, options, cu
             memberships: [...options.memberships, membership],
         });
         const ctx = purchaseContext(catalog, wallet, merchant, merchant.category, purchase);
+        const fee = isForeign(purchase) ? (card.foreign_transaction_fee ?? 0) : 0;
         const pct = evaluateCard(card, held, ctx).best.rate *
-            cardValuation(catalog, wallet, card).centsPerUnit;
+            cardValuation(catalog, wallet, card).centsPerUnit -
+            fee;
         if (pct > current + EPSILON)
             upgrades.push({ membership, effectiveReturnPct: pct });
     }
@@ -212,11 +214,11 @@ export function exploreCards(catalog, query, options, resolved) {
         merchant,
         ranked,
         excluded,
-        assumptions: exploreAssumptions(catalog, merchant, ranked, options),
+        assumptions: exploreAssumptions(catalog, merchant, ranked, options, purchase),
         warnings: exploreWarnings(catalog, merchant),
     };
 }
-function exploreAssumptions(catalog, merchant, ranked, options) {
+function exploreAssumptions(catalog, merchant, ranked, options, purchase) {
     const assumptions = [];
     if (merchant.source === 'category') {
         assumptions.push(`Ranks purchases that code as ${categoryPhrase(catalog, merchant.category)}.`);
@@ -231,6 +233,8 @@ function exploreAssumptions(catalog, merchant, ranked, options) {
     const values = pointValuesText(catalog, ranked.slice(0, 10));
     if (values !== null)
         assumptions.push(values);
+    if (isForeign(purchase))
+        assumptions.push(FOREIGN_ASSUMPTION);
     return assumptions;
 }
 function exploreWarnings(catalog, merchant) {

package/dist/engine/milestones.js

@@ -45,11 +45,19 @@ export function milestonePays(m) {
 }
 // "the $15,000 calendar-year spend for 10,000 bonus points"
 export const milestoneWhat = (m) => `the ${wholeDollars(m.spend)} ${MILESTONE_PERIODS[m.period]} spend for ${milestonePays(m)}`;
-export function reachedText(card, hit) {
+export function reachedText(card, hit, centsPerPoint) {
     const m = card.milestones.find((x) => x.id === hit.id);
     if (!m)
         return '';
-    return `This purchase reaches ${milestoneWhat(m)} (${money(hit.before)} tracked on this card in ${hit.period} before it).`;
+    const points = hit.points === null
+        ? null
+        : `${hit.points.toLocaleString('en-US')} bonus points, worth about ${money(roundCents((hit.points * centsPerPoint) / 100))}`;
+    const pays = points === null
+        ? listed(hit.rewards)
+        : hit.rewards.length === 0
+            ? points
+            : `${points}, plus ${listed(hit.rewards)}`;
+    return `This purchase reaches the ${wholeDollars(m.spend)} ${MILESTONE_PERIODS[m.period]} spend: ${pays} (${money(hit.before)} tracked on this card in ${hit.period} before it).`;
 }
 const THIS_PERIOD = {
     calendar_year: 'this year',

package/dist/engine/recommend.js

@@ -11,6 +11,7 @@ import { CAP_ADJECTIVES, categoryPhrase, codesAs, currencyLabel, currencyName, e
 import { cardValuation } from "./valuation.js";
 export const STALE_AFTER_DAYS = 180;
 // The engine only tells the U.S. from everywhere else.
+export const FOREIGN_ASSUMPTION = 'Treats this as a purchase outside the U.S.: each card is ranked after its foreign transaction fee.';
 export const isForeign = (purchase) => purchase.country !== 'US';
 // Any purchase outside the U.S., when no country is named: ZZ is a code ISO
 // leaves unassigned, and nothing prints it.
@@ -87,6 +88,7 @@ function rankEntries(catalog, wallet, purchase, merchant, category) {
             perDollar,
             fee,
             effectiveReturnPct: perDollar * valuation.centsPerUnit - fee,
+            rateReturnPct: evaluation.best.rate * valuation.centsPerUnit - fee,
             upside: perDollar * (valuation.range?.[1] ?? valuation.centsPerUnit) - fee,
         });
     }
@@ -111,7 +113,7 @@ function reasoningFor(catalog, wallet, entry, amount) {
         lines.push(`${money(cap.remaining)} earns ${earnText(catalog, best.nominalRate, currency)} before the cap, then ${money(over)} earns ${earnText(catalog, best.afterCap ?? cap.cap.then_rate, currency)}: ${num(best.rate)} per dollar overall.`);
     }
     for (const hit of entry.milestones)
-        lines.push(reachedText(card, hit));
+        lines.push(reachedText(card, hit, valuation.centsPerUnit));
     if (valuation.pooledFrom !== null) {
         const partners = card.pools_into?.when_wallet_has ?? [];
         const heldPartners = wallet.cards
@@ -122,7 +124,7 @@ function reasoningFor(catalog, wallet, entry, amount) {
         lines.push(`Pools into ${currencyName(catalog, currency)} because you hold ${heldPartners.join(' and ')}.`);
     }
     if (currency !== 'cash') {
-        lines.push(`Valued at ${num(valuation.centsPerUnit)}¢ per point: ${pct(entry.perDollar * valuation.centsPerUnit)} back.`);
+        lines.push(`Valued at ${num(valuation.centsPerUnit)}¢ per point: ${pct(entry.evaluation.best.rate * valuation.centsPerUnit)} back.`);
     }
     return lines;
 }
@@ -184,11 +186,19 @@ function toRanked(catalog, wallet, entry, purchase) {
         rate: evaluation.best.rate,
         currency: valuation.currency,
         centsPerUnit: valuation.centsPerUnit,
-        effectiveReturnPct: entry.effectiveReturnPct,
+        effectiveReturnPct: entry.rateReturnPct,
         foreignFee: entry.fee > 0 ? entry.fee : null,
         earned: purchase.amount === null
             ? null
-            : Math.round(purchase.amount * entry.effectiveReturnPct) / 100,
+            : Math.round(purchase.amount * entry.rateReturnPct) / 100,
+        milestoneBonus: entry.milestones.length === 0
+            ? null
+            : {
+                points: milestonePoints(entry.milestones),
+                dollars: roundCents((milestonePoints(entry.milestones) *
+                    entry.valuation.centsPerUnit) /
+                    100),
+            },
         capped: evaluation.best.cap !== null,
         reasoning: reasoningFor(catalog, wallet, entry, purchase.amount),
         warnings: warningsFor(catalog, entry, purchase),
@@ -215,6 +225,8 @@ function tieNote(entries) {
 // Finds the closest point inside a currency's value range where the winner
 // stops winning, varying one currency at a time. Returns are linear in the
 // cents-per-point value, so each pair of cards flips at most once.
+// "Chase Ultimate Rewards points", but not "IHG One Rewards points points".
+const pointsName = (label) => /\b(points|miles)$/i.test(label) ? label : `${label} points`;
 function sensitivity(catalog, entries) {
     const [winner, ...rest] = entries;
     if (!winner)
@@ -235,13 +247,13 @@ function sensitivity(catalog, entries) {
         if (w.range && wRate > 0) {
             const threshold = (other.effectiveReturnPct + winner.fee) / wRate;
             if (threshold < w.centsPerUnit && threshold >= w.range[0]) {
-                consider((w.centsPerUnit - threshold) / w.centsPerUnit, `${displayName(other)} beats ${displayName(winner)} here if ${currencyLabel(catalog, w.currency)} points are worth less than ${roundDown(threshold)}¢ (you value them at ${num(w.centsPerUnit)}¢).`);
+                consider((w.centsPerUnit - threshold) / w.centsPerUnit, `${displayName(other)} beats ${displayName(winner)} here if ${pointsName(currencyLabel(catalog, w.currency))} are worth less than ${roundDown(threshold)}¢ (you value them at ${num(w.centsPerUnit)}¢).`);
             }
         }
         if (o.range && oRate > 0) {
             const threshold = (winner.effectiveReturnPct + other.fee) / oRate;
             if (threshold > o.centsPerUnit && threshold <= o.range[1]) {
-                consider((threshold - o.centsPerUnit) / o.centsPerUnit, `${displayName(other)} beats ${displayName(winner)} here if ${currencyLabel(catalog, o.currency)} points are worth ${worthAbove(threshold)} (you value them at ${num(o.centsPerUnit)}¢).`);
+                consider((threshold - o.centsPerUnit) / o.centsPerUnit, `${displayName(other)} beats ${displayName(winner)} here if ${pointsName(currencyLabel(catalog, o.currency))} are worth ${worthAbove(threshold)} (you value them at ${num(o.centsPerUnit)}¢).`);
             }
         }
     }
@@ -256,7 +268,19 @@ function assumptionsFor(catalog, merchant, purchase, entries) {
         assumptions.push(`Ranks purchases that code as ${categoryPhrase(catalog, merchant.category)}.`);
     }
     else if (merchant.category === 'other') {
-        assumptions.push(`Assumes ${merchant.resolvedName} falls outside the usual bonus categories.`);
+        // A card whose rule names this store by name (Audible on Amex's
+        // streaming list) earns its bonus there anyway.
+        const naming = entries.flatMap((e) => {
+            const rule = e.evaluation.best.rule;
+            return rule &&
+                merchant.merchantId !== null &&
+                (rule.match.merchants ?? []).includes(merchant.merchantId)
+                ? [`${displayName(e)} (${ruleWhat(catalog, rule)})`]
+                : [];
+        });
+        assumptions.push(naming.length === 0
+            ? `Assumes ${merchant.resolvedName} falls outside the usual bonus categories.`
+            : `Assumes ${merchant.resolvedName} falls outside the usual bonus categories, except on cards that name it: ${listed(naming)}.`);
     }
     else {
         assumptions.push(codesAs(catalog, merchant));
@@ -274,7 +298,7 @@ function assumptionsFor(catalog, merchant, purchase, entries) {
     if (values !== null)
         assumptions.push(values);
     if (isForeign(purchase))
-        assumptions.push('Treats this as a purchase outside the U.S.: each card is ranked after its foreign transaction fee.');
+        assumptions.push(FOREIGN_ASSUMPTION);
     for (const e of entries)
         for (const hit of e.milestones)
             assumptions.push(`Counts the ${money(hit.before)} tracked on ${displayName(e)} in ${hit.period} toward its ${wholeDollars(hit.spend)} spend bonus; spending earnrate wasn't told about isn't counted.`);

package/dist/engine/rule-text.js

@@ -34,10 +34,18 @@ export function ruleParts(catalog, rule) {
     if (rule.match.choice !== undefined)
         return [`your ${choiceName(rule.match.choice)} picks`];
     const merchants = rule.match.merchants ?? [];
-    // A long list of one kind of store reads as "select streaming services".
-    const kinds = new Set(merchants.map((m) => findMerchant(catalog, m)?.category));
-    const [kind] = kinds;
-    const merchantParts = merchants.length > 4 && kinds.size === 1 && kind !== undefined
+    // A long list of mostly one kind of store reads as "select streaming
+    // services": Amex's streaming list also names Audible, which isn't one.
+    const counts = new Map();
+    for (const m of merchants) {
+        const category = findMerchant(catalog, m)?.category;
+        if (category)
+            counts.set(category, (counts.get(category) ?? 0) + 1);
+    }
+    const [kind, count = 0] = [...counts].sort((a, b) => b[1] - a[1])[0] ?? [];
+    const merchantParts = merchants.length > 4 &&
+        kind !== undefined &&
+        count >= merchants.length * 0.75
         ? [`select ${categoryPhrase(catalog, kind)}`]
         : merchants.map((m) => merchantName(catalog, m));
     const parts = [

package/dist/format/recommendation.js

@@ -30,7 +30,10 @@ function cardLines(cards, style, bonusPick) {
     const pctWidth = Math.max(...cards.map((c) => pct(c.effectiveReturnPct).length));
     const lines = [];
     cards.forEach((c) => {
-        const earned = c.earned === null ? '' : `  ${dollarsAndCents(c.earned)}`;
+        const earned = (c.earned === null ? '' : `  ${dollarsAndCents(c.earned)}`) +
+            (c.milestoneBonus === null
+                ? ''
+                : ` + ${money(c.milestoneBonus.dollars)} spend bonus`);
         const pick = c.cardId === bonusPick ? '  ← the pick, for its welcome bonus' : '';
         lines.push(`  ${String(c.rank).padStart(String(rankWidth).length)}. ${label(c).padEnd(nameWidth)}  ${pct(c.effectiveReturnPct).padStart(pctWidth)}${earned}${pick}`);
         for (const r of c.reasoning)
@@ -53,9 +56,12 @@ export function formatRecommendation(rec, purchase, { all = false, style = plain
     const noCard = noCardText(rec.merchant.resolvedName);
     if (rec.decision && top) {
         const earned = top.earned === null ? '' : `, about ${dollarsAndCents(top.earned)}`;
+        const milestone = top.milestoneBonus === null
+            ? ''
+            : `, plus a spend bonus worth about ${money(top.milestoneBonus.dollars)}`;
         const confidence = rec.decision.confidence;
         const why = rec.bonus ? ' for its welcome bonus' : '';
-        lines.push(`${style('bold', `Use ${label(top)}${why}: ${pct(top.effectiveReturnPct)} back${earned}.`)} ${capitalize(confidence)} confidence.`);
+        lines.push(`${style('bold', `Use ${label(top)}${why}: ${pct(top.effectiveReturnPct)} back${earned}${milestone}.`)} ${capitalize(confidence)} confidence.`);
         if (rec.bonus && rec.notes[0])
             lines.push(rec.notes[0]);
     }

package/dist/format/wallet.js

@@ -36,7 +36,7 @@ export function formatWalletSummary(summary) {
         for (const cap of c.caps)
             lines.push(cap.remaining === null
                 ? `  Cap on ${cap.label}: ${money(cap.amount)} ${CAP_PERIODS[cap.period]}; give the card's anniversary to track it (cap key ${cap.key}).`
-                : `  Cap on ${cap.label}: ${money(cap.spent)} of ${money(cap.amount)} used for ${cap.currentPeriod ?? ''}${cap.until === null ? '' : `, through ${shortDate(cap.until)}`} (cap key ${cap.key}).`);
+                : `  Cap on ${cap.label}: ${money(cap.spent)} of ${money(cap.amount)} used ${cap.period === 'cardmember_year' ? 'this cardmember year' : `for ${cap.currentPeriod ?? ''}`}${cap.until === null ? '' : `, through ${shortDate(cap.until)}`} (cap key ${cap.key}).`);
         for (const m of c.milestones)
             lines.push(`  Spend bonus (${m.id}): ${m.text}`);
         if (c.anniversary !== null)
@@ -76,7 +76,11 @@ export function formatBooking(amount, cardId, cap, bonus, milestones = []) {
         messages.push([
             `Spend on ${cardId} this year: ${money(first.after)}.`,
             ...reached.map((m) => `That reaches its ${money(m.spend)} spend bonus.`),
-            ...(next ? [`${money(next.spend - next.after)} to its next one.`] : []),
+            ...(next
+                ? [
+                    `${money(next.spend - next.after)} to go for the ${money(next.spend)} spend bonus.`,
+                ]
+                : []),
         ].join(' '));
     }
     return messages.join(' ');

package/dist/mcp/schemas.js

@@ -40,6 +40,9 @@ const RankedCardSchema = z.object({
     effectiveReturnPct: z.number(),
     earned: z.number().nullable(),
     foreignFee: z.number().nullable(),
+    milestoneBonus: z
+        .object({ points: z.number(), dollars: z.number() })
+        .nullable(),
     capped: z.boolean(),
     reasoning: z.array(z.string()),
     warnings: z.array(z.string()),

package/dist/mcp/server.js

@@ -45,7 +45,23 @@ The wallet lists cards by product id, never card numbers; never ask for card num
 
 ${WHICH_WALLET[savedWallets]} The earnrate extension on the user's computer and the hosted earnrate connector keep separate wallets with the same tools. If both are connected, say which wallet an answer comes from, and ask the user which one to use before saving or recording anything.`;
 export function createEarnrateServer(deps) {
-    const server = new McpServer({ name: MCP_SERVER_NAME, version: deps.version }, { instructions: instructions(deps.savedWallets) });
+    const server = new McpServer({
+        name: MCP_SERVER_NAME,
+        version: deps.version,
+        websiteUrl: 'https://earnrate.dev',
+        icons: [
+            {
+                src: 'https://earnrate.dev/icon-192.png',
+                mimeType: 'image/png',
+                sizes: ['192x192'],
+            },
+            {
+                src: 'https://earnrate.dev/favicon.svg',
+                mimeType: 'image/svg+xml',
+                sizes: ['any'],
+            },
+        ],
+    }, { instructions: instructions(deps.savedWallets) });
     const ctx = makeContext(deps);
     const inputs = makeInputs(deps.catalog);
     registerAnswerTools(server, deps, ctx, inputs);

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "earnrate",
-  "version": "0.2.9",
+  "version": "0.2.10",
   "description": "Which credit card earns the most at a merchant, from your cards or every card, and why",
   "keywords": [
     "credit cards",