earnrate 0.2.9 → 0.2.11

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

@@ -64,7 +64,20 @@ 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.
+milestones:
+  - id: spend-20k
+    spend: 20000
+    period: calendar_year
+    rewards:
+      - a 10,000-mile award flight discount
+    note: "One a calendar year. It posts to MileagePlus within 6-8 weeks and expires 12 months after it's issued. Separate from the 10,000-mile discount every cardmember anniversary."
+  - id: spend-40k
+    spend: 40000
+    period: calendar_year
+    rewards:
+      - 2 global Economy Plus seat upgrades
+    note: 'For the primary cardmember, on tickets bought with the card. Chase says to allow 6-8 weeks for them to post; use them within 12 months.'
 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.
@@ -120,3 +133,9 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC65756.html
     quote: 'Foreign Transactions None Penalty Fees'
+  - rule: spend-20k
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-quest
+    quote: 'Earn a 10,000-mile award flight discount after spending $20,000 each calendar year'
+  - rule: spend-40k
+    url: https://creditcards.chase.com/travel-credit-cards/united/united-quest
+    quote: 'Earn 2 global Economy Plus® seat upgrades after spending $40,000 each calendar year.'

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

@@ -37,8 +37,16 @@ rules:
     match: { categories: [phone, tv_internet] }
     rate: 2
     note: Telecom merchants (phone service and equipment such as cell phones) and cable and satellite TV, internet, phone and radio providers.
-# Not modeled: free checked bag, companion certificate after $30,000 spend. Loyalty Points toward status aren't card earnings.
+milestones:
+  - id: spend-30k
+    spend: 30000
+    period: cardmember_year
+    rewards:
+      - an American Airlines Companion Certificate
+    note: "Citi's cardmembership year runs from the billing cycle after the anniversary month, so it can be a few weeks off the anniversary date. Issued after the card renews: the companion pays $99 plus taxes and fees on a domestic Main Cabin round trip."
+# Not modeled: free checked bag. Loyalty Points toward status aren't card earnings.
 todo:
+  - Citi counts the $30,000 milestone over a cardmembership year that starts with the billing cycle after the anniversary month; `cardmember_year` uses the anniversary date, so progress can be a few weeks off.
   - Warehouse-club gas earns 2x if the club codes it as a gas station; earnrate's gas.superstore can't tell, so it's excluded. Moot at Costco, which takes only Visa.
 evidence:
   - rule: base_rate
@@ -86,3 +94,6 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card
     quote: 'Fee for Foreign Purchases — None'
+  - rule: spend-30k
+    url: https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card
+    quote: 'Earn an American Airlines Companion Certificate for qualifying domestic travel after you spend $30,000 in purchases each cardmembership year'

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

@@ -30,8 +30,16 @@ rules:
     exclude: { categories: [gas.superstore] }
     rate: 2
     note: Warehouse-club gas counts only when the club codes it as a gas station, so superstore and warehouse-club gas is excluded here to stay conservative. Discount, department and convenience stores don't count.
-# Not modeled: free first checked bag, preferred boarding, companion certificate. Loyalty Points toward status aren't card earnings.
+milestones:
+  - id: spend-20k
+    spend: 20000
+    period: cardmember_year
+    rewards:
+      - a $125 American Airlines Flight Discount
+    note: "Citi's cardmembership year runs from the billing cycle after the anniversary month, so it can be a few weeks off the anniversary date. The discount expires a year after it's issued."
+# Not modeled: free first checked bag, preferred boarding. Loyalty Points toward status aren't card earnings.
 todo:
+  - Citi counts the $20,000 milestone over a cardmembership year that starts with the billing cycle after the anniversary month; `cardmember_year` uses the anniversary date, so progress can be a few weeks off.
   - Warehouse-club gas earns 2x if the club codes it as a gas station; earnrate's gas.superstore can't tell, so it's excluded. Moot at Costco, which takes only Visa.
 evidence:
   - rule: base_rate
@@ -73,3 +81,6 @@ evidence:
   - rule: foreign_transaction_fee
     url: https://www.citi.com/credit-cards/citi-aadvantage-platinum-elite-credit-card
     quote: 'there are no foreign transaction fees'
+  - rule: spend-20k
+    url: https://www.citi.com/credit-cards/citi-aadvantage-platinum-elite-credit-card
+    quote: 'Earn a $125 American Airlines Flight Discount certificate (the “Flight Discount”) after you spend $20,000 or more in purchases'

package/data/cards/discover-it-cash-back.yaml

@@ -0,0 +1,169 @@
+id: discover-it-cash-back
+name: Discover it Cash Back Credit Card
+# Discover merged into Capital One, N.A.; the application terms are headed
+# "Discover by Capital One" and served from disclosures.capitalone.com.
+issuer: discover
+network: discover
+currency: cash
+last_verified: 2026-11-03
+verified_by: claude
+source_urls:
+  - https://www.discover.com/credit-cards/cash-back/it-card/
+  # The card page's "See rates, rewards, fees, and other cost information"
+  # (pricing and rewards FAQ); the number is the page's offer id and changes
+  # when Capital One changes it.
+  - https://disclosures.capitalone.com/disclosure.42300.en-US.html
+  - https://www.discover.com/credit-cards/cash-back/cashback-calendar.html
+  - https://www.discover.com/credit-cards/cash-back/cashback-bonus.html
+  # The calendar page's "See our FAQs".
+  - https://www.discover.com/credit-cards/card-smarts/using-cashback-bonus/
+base_rate: 1
+annual_fee: 0
+# No page states it: the application terms' fee table lists no foreign
+# transaction fee row, but nothing says "None".
+foreign_transaction_fee: null
+welcome_offer:
+  dollars: 200
+  spend: 500
+  months: 3
+  note: One-time $200 statement credit, available by applying through the card page. Existing or previous cardmembers may not be eligible if they received a new cardmember bonus for this product in the past 48 months. New cardmembers also get Cashback Match (all cash back earned in the first year matched), which isn't counted here.
+caps:
+  # Discover's quarterly maximum on the rotating 5% categories.
+  - id: five-percent-quarterly
+    amount: 1500
+    period: quarter
+    then_rate: 1
+    rotating: true
+rules:
+  - id: capital-one-travel
+    match:
+      {
+        merchants:
+          [
+            capital-one-travel-hotels,
+            capital-one-travel-vacation-rentals,
+            capital-one-travel-car-rentals,
+            capital-one-travel-activities,
+          ],
+      }
+    rate: 5
+    note: Hotels, vacation rentals, rental cars and activities booked through Capital One Travel only. Flights booked there, and hotel incidentals or upgrades paid outside Capital One Travel, earn the base 1%.
+  - id: capital-one-entertainment
+    match: { merchants: [capital-one-entertainment] }
+    rate: 5
+    note: Tickets bought on the Capital One Entertainment ticketing platform only. Cardholder-exclusive pre-sales, tickets bought directly from Capital One Hall or Capital One Arena, and Capital One Dining are excluded.
+  # Rotating 5% categories. Activation is per quarter and isn't retroactive:
+  # only purchases from the day you activate earn 5%.
+  - id: q4-2026-restaurants
+    match: { categories: [dining] }
+    rate: 5
+    geography: us_only
+    cap: five-percent-quarterly
+    requires: { activation: true }
+    valid_from: 2026-10-01
+    valid_to: 2026-12-31
+    activate_by: 2026-12-31
+    note: Full-service restaurants, cafes, cafeterias, fast-food locations and caterers. Restaurants inside hotels or retail stores, and bakeries, may not qualify. Earns 5% only from the day you activate (any time through December 31, 2026).
+  - id: q4-2026-entertainment
+    match: { categories: [entertainment, movie_theaters] }
+    rate: 5
+    geography: us_only
+    cap: five-percent-quarterly
+    requires: { activation: true }
+    valid_from: 2026-10-01
+    valid_to: 2026-12-31
+    activate_by: 2026-12-31
+    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, video rental locations, pool halls and bowling alleys. Golf courses, country clubs, some collegiate sporting events, charitable events, cable and streaming subscriptions, amusement park tickets bought on third-party sites and packages coded as travel or hotel don't count. Earns 5% only from the day you activate.
+  - id: q4-2026-utilities
+    match: { categories: [utilities, tv_internet, phone] }
+    rate: 5
+    geography: us_only
+    cap: five-percent-quarterly
+    requires: { activation: true }
+    valid_from: 2026-10-01
+    valid_to: 2026-12-31
+    activate_by: 2026-12-31
+    note: Residential electricity, natural gas and water, plus internet, cable, satellite TV and mobile and landline phone service paid by phone or online. Paying for those at a physical store, through a landlord, property manager or HOA, home fuel delivery and standalone streaming services may not qualify. Earns 5% only from the day you activate.
+todo:
+  - 'Discover has published only 2026 on its 5% calendar (Oct-Dec 2026 is the last quarter shown). Add 2027 quarters when Discover posts them.'
+  - Discover's 5% activation isn't retroactive (5% applies "from 10/1/26 (or the date on which you activate 5%, whichever is later)"), and you can activate until the quarter's last day. The schema's activate_by can't say that purchases before activation earn 1%; it's set to the quarter's last day and the rule notes say so.
+  - Cashback Match (Discover matches all cash back a new cardmember earns in the first year, no limit) can't be expressed as a fixed welcome offer; it roughly doubles first-year earnings on every rule. Not modeled.
+  - The card page's Cashback Match terms say "through your first 365 days"; the Cashback Bonus page says "your first 12 consecutive billing periods or 365 days, whichever is longer". Which one current applicants get is unclear; it doesn't change any rate here.
+  - Foreign transaction fee isn't stated on any Discover page or in the application terms (their fee table has no foreign transaction row). Left null; confirm with the Cardmember Agreement or Capital One.
+  - Discover says 5% purchases "must be made with merchants in the U.S." The application terms put that sentence in the general earning paragraph, so it may also apply to the 1% base and Capital One Travel; only the rotating rules are marked us_only.
+  - Amusement parks, tourist attractions, aquariums, zoos, record stores, video rental, pool halls and bowling alleys earn 5% as Q4 2026 entertainment but have no earnrate category. Golf courses, country clubs and collegiate sporting events are excluded but can't be told apart from the entertainment category.
+  - Third-party payment accounts and digital wallet transactions may not earn 5% if they don't carry a qualifying MCC. Not modeled.
+# Issuer text backing each rule; `yarn check-sources` checks it weekly.
+evidence:
+  - rule: base_rate
+    url: https://www.discover.com/credit-cards/cash-back/it-card/
+    quote: 'Plus, earn 1% cash back on all other purchases.'
+  - rule: base_rate
+    url: https://disclosures.capitalone.com/disclosure.42300.en-US.html
+    quote: 'There is no cap to the amount of 1% rewards you can earn on purchases.'
+  - rule: capital-one-travel
+    url: https://disclosures.capitalone.com/disclosure.42300.en-US.html
+    quote: 'earn 5% cash back on purchases (hotels, vacation rentals, rental cars and activities only) made on Capital One Travel'
+  - rule: capital-one-travel
+    url: https://disclosures.capitalone.com/disclosure.42300.en-US.html
+    quote: 'such as hotel incidentals, upgrades or other expenses, will not earn 5% cash back'
+  - rule: capital-one-entertainment
+    url: https://disclosures.capitalone.com/disclosure.42300.en-US.html
+    quote: 'You will earn 5% cash back on Capital One Entertainment purchases.'
+  - rule: capital-one-entertainment
+    url: https://disclosures.capitalone.com/disclosure.42300.en-US.html
+    quote: 'and dining reservations or purchases through Capital One Dining are excluded'
+  - rule: q4-2026-restaurants
+    url: https://www.discover.com/credit-cards/cash-back/cashback-calendar.html
+    quote: 'Earn 5% Cashback Bonus at Restaurants, Entertainment and Utilities, now to December 31, 2026'
+  - rule: q4-2026-restaurants
+    url: https://www.discover.com/credit-cards/cash-back/cashback-calendar.html
+    quote: 'from 10/1/26 (or the date on which you activate 5%, whichever is later) through 12/31/26'
+  - rule: q4-2026-restaurants
+    url: https://www.discover.com/credit-cards/cash-back/cashback-calendar.html
+    quote: 'Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and caterers.'
+  - rule: q4-2026-restaurants
+    url: https://www.discover.com/credit-cards/cash-back/cashback-calendar.html
+    quote: 'Purchases must be made with merchants in the U.S.'
+  - rule: q4-2026-restaurants
+    url: https://disclosures.capitalone.com/disclosure.42300.en-US.html
+    quote: '5% category purchases over the quarterly maximum, and all other purchases, except as noted below, earn 1% cash back.'
+  - rule: q4-2026-restaurants
+    url: https://www.discover.com/credit-cards/cash-back/cashback-bonus.html
+    quote: 'NOW: Earn 5% Cashback Bonus at Restaurants, Entertainment and Utilities'
+  - rule: q4-2026-entertainment
+    url: https://www.discover.com/credit-cards/cash-back/cashback-calendar.html
+    quote: 'on up to $1,500 in purchases when you activate'
+  - rule: q4-2026-entertainment
+    url: https://www.discover.com/credit-cards/cash-back/cashback-calendar.html
+    quote: 'Entertainment purchases include ticket purchases at movie theaters, sports promoters (professional and semi-professional live events)'
+  - rule: q4-2026-entertainment
+    url: https://www.discover.com/credit-cards/cash-back/cashback-calendar.html
+    quote: 'Tickets for or fees at golf courses, country clubs, some collegiate sporting events, charitable events'
+  - rule: q4-2026-utilities
+    url: https://www.discover.com/credit-cards/cash-back/cashback-calendar.html
+    quote: 'Utilities purchases include purchases for residential electricity, natural gas, and water service.'
+  - rule: q4-2026-utilities
+    url: https://www.discover.com/credit-cards/cash-back/cashback-calendar.html
+    quote: 'purchases made over the phone or online for internet, cable, satellite TV, and mobile and landline phone service'
+  - rule: q4-2026-utilities
+    url: https://www.discover.com/credit-cards/cash-back/cashback-calendar.html
+    quote: 'Purchases at physical retail stores for internet, cable, satellite, and mobile and landline phone service do not qualify.'
+  - rule: q4-2026-utilities
+    url: https://www.discover.com/credit-cards/card-smarts/using-cashback-bonus/
+    quote: 'you need to activate to earn each quarter'
+  - rule: annual_fee
+    url: https://disclosures.capitalone.com/disclosure.42300.en-US.html
+    quote: 'Annual Fee None.'
+  - rule: annual_fee
+    url: https://www.discover.com/credit-cards/cash-back/it-card/
+    quote: 'No, there is no annual fee for the Discover it Card.'
+  - rule: welcome_offer
+    url: https://www.discover.com/credit-cards/cash-back/it-card/
+    quote: 'Earn a $200 bonus statement credit when you spend $500 in the first 3 months.'
+  - rule: welcome_offer
+    url: https://disclosures.capitalone.com/disclosure.42300.en-US.html
+    quote: 'You will receive a $200 statement credit if you spend at least $500 within 3 months'
+  - rule: welcome_offer
+    url: https://www.discover.com/credit-cards/cash-back/it-card/
+    quote: 'Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year'

package/data/currencies.yaml

@@ -131,6 +131,32 @@
   sources:
     - https://thepointsguy.com/loyalty-programs/monthly-valuations/
 
+- id: delta-skymiles
+  name: Delta SkyMiles
+  value_cents: 1.0
+  range: [1.0, 1.2]
+  note: Delta's Pay with Miles lets Delta Amex cardholders take $50 off a Delta fare for every 5,000 miles (1.0¢ a mile). 1.2¢ is TPG's November 2026 valuation.
+  sources:
+    - https://www.delta.com/paywithmiles
+    - https://thepointsguy.com/loyalty-programs/monthly-valuations/
+
+- id: hilton-honors
+  name: Hilton Honors points
+  value_cents: 0.4
+  note: Hilton publishes no general cash value for points; its terms say rewards can't be redeemed for cash, and the only fixed rate is for Event Credits on group bills (25,000 points for $50, 0.2¢). 0.4¢ is TPG's November 2026 valuation, below the 0.5¢ default used for IHG, so it's the default here.
+  sources:
+    - https://www.hilton.com/en/hilton-honors/terms/
+    - https://thepointsguy.com/loyalty-programs/monthly-valuations/
+
+- id: marriott-bonvoy
+  name: Marriott Bonvoy points
+  value_cents: 0.5
+  range: [0.5, 0.75]
+  note: Marriott publishes no general cash value for points. The only fixed rate is Chase's Pay Yourself Back on the Bonvoy Bold card, $100 for every 12,500 points (0.8¢), limited to airline and Marriott purchases on that card. 0.5¢ is the conservative default IHG uses too; 0.75¢ is TPG's November 2026 valuation.
+  sources:
+    - https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold
+    - https://thepointsguy.com/loyalty-programs/monthly-valuations/
+
 - id: kohls-rewards
   name: Kohl's Rewards
   value_cents: 1.0

package/data/issuers.yaml

@@ -19,6 +19,9 @@
   # Column N.A. issues the Bilt card; people know it as Bilt.
   name: Bilt
   search: [bilt]
+- id: discover
+  name: Discover
+  search: [discover it]
 - id: sofi
   name: SoFi
 - id: td-bank

package/data/merchants/overrides.yaml

@@ -212,6 +212,11 @@
     aliases: [capital one travel car rental],
     category: travel,
   }
+- id: capital-one-travel-activities
+  kind: booking
+  name: Activity through Capital One Travel
+  aliases: [capital one travel activity]
+  category: travel
 - {
     id: capital-one-travel-flights,
     kind: booking,
@@ -287,10 +292,16 @@
 # 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]
@@ -439,6 +450,17 @@
   domains: [postmates.com]
   category: dining
   note: A delivery app that codes as a restaurant for most issuers. Bonuses limited to buying directly from a restaurant don't count it.
+- id: caviar
+  name: Caviar
+  domains: [trycaviar.com]
+  category: dining
+  note: A delivery app that codes as a restaurant for most issuers. Bonuses limited to buying directly from a restaurant don't count it.
+- id: delivery-com
+  name: Delivery.com
+  aliases: [delivery com]
+  domains: [delivery.com]
+  category: dining
+  note: A delivery app that codes as a restaurant for most issuers. Bonuses limited to buying directly from a restaurant don't count it.
 
 # A dinner theater: food ordered at your seat may land on the same check.
 - id: alamo-drafthouse

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,
@@ -1042,6 +1036,18 @@
     domains: [delta.com],
     category: travel.flights,
   }
+- {
+    id: delta-vacations,
+    name: Delta Vacations,
+    domains: [deltavacations.com],
+    category: travel,
+  }
+- {
+    id: delta-stays,
+    name: Delta Stays,
+    aliases: [delta stays, delta hotels],
+    category: travel.hotels,
+  }
 - {
     id: united,
     name: United Airlines,
@@ -1338,6 +1344,34 @@
     domains: [thrifty.com],
     category: travel.car_rental,
   }
+- {
+    id: ez-rent-a-car,
+    name: E-Z Rent-A-Car,
+    aliases: [ez rent a car],
+    domains: [e-zrentacar.com],
+    category: travel.car_rental,
+  }
+- {
+    id: fox-rent-a-car,
+    name: Fox Rent A Car,
+    aliases: [fox car rental],
+    domains: [foxrentacar.com],
+    category: travel.car_rental,
+  }
+- {
+    id: payless-car-rental,
+    name: Payless Car Rental,
+    aliases: [payless car],
+    domains: [paylesscar.com],
+    category: travel.car_rental,
+  }
+- {
+    id: sixt,
+    name: Sixt,
+    aliases: [sixt rent a car],
+    domains: [sixt.com],
+    category: travel.car_rental,
+  }
 - {
     id: dollar-car-rental,
     name: Dollar Rent A Car,

package/dist/engine/cheat-sheet.js

@@ -20,6 +20,9 @@ export const EVERYDAY_PURCHASES = [
     { label: 'Drugstores', category: 'drugstore' },
     { label: 'Everything else', category: 'other' },
 ];
+// What a quick pick searches for: "Streaming (Netflix)" searches "Netflix",
+// since streaming bonuses follow each issuer's list of services.
+export const quickPickText = (item) => /\((.+)\)$/.exec(item.label)?.[1] ?? item.label;
 // The best card in the wallet for each everyday kind of purchase on `date`,
 // with caps, picks and activations as the wallet has them.
 export function cheatSheet(catalog, wallet, date, items = EVERYDAY_PURCHASES) {

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',