Chase Sapphire Preferred

{
  "fact": {
    "unit": null,
    "field_key": "earn_rules",
    "value_kind": "structured_earn_rule",
    "evidence_quote": "5x points",
    "normalized_value": {
      "rules": [
        {
          "cap": null,
          "rate": 5,
          "notes": null,
          "scope": null,
          "category": "travel_portal",
          "multiplier": "x",
          "categoryRaw": "Chase Travel",
          "evidenceQuote": "5X points on Chase TravelSM"
        },
        {
          "cap": null,
          "rate": 3,
          "notes": null,
          "scope": null,
          "category": "dining",
          "multiplier": "x",
          "categoryRaw": "dining",
          "evidenceQuote": "3X points"
        },
        {
          "cap": null,
          "rate": 3,
          "notes": null,
          "scope": null,
          "category": "gas",
          "multiplier": "x",
          "categoryRaw": "gas stations",
          "evidenceQuote": "3X points"
        },
        {
          "cap": null,
          "rate": 3,
          "notes": null,
          "scope": "at top brands",
          "category": "travel_general",
          "multiplier": "x",
          "categoryRaw": "vacation homes at top brands",
          "evidenceQuote": "3X points"
        },
        {
          "cap": null,
          "rate": 3,
          "notes": "exclusions apply",
          "scope": "top",
          "category": "streaming",
          "multiplier": "x",
          "categoryRaw": "top streaming services",
          "evidenceQuote": "3X points"
        },
        {
          "cap": null,
          "rate": 3,
          "notes": "exclusions apply",
          "scope": "online",
          "category": "groceries",
          "multiplier": "x",
          "categoryRaw": "online grocery",
          "evidenceQuote": "3X points"
        },
        {
          "cap": null,
          "rate": 2,
          "notes": null,
          "scope": null,
          "category": "travel_general",
          "multiplier": "x",
          "categoryRaw": "all other travel",
          "evidenceQuote": "2x points"
        },
        {
          "cap": null,
          "rate": 1,
          "notes": null,
          "scope": null,
          "category": "everything_else",
          "multiplier": "x",
          "categoryRaw": "all other purchases",
          "evidenceQuote": "1X points on all other purchases*"
        },
        {
          "cap": null,
          "rate": 5,
          "notes": "over $150 through 12/31/27",
          "scope": "eligible",
          "category": "online_retail",
          "multiplier": "x",
          "categoryRaw": "Peloton equipment and accessory purchases",
          "evidenceQuote": "Earn 5x total points on eligible Peloton equipment and accessory purchases over $150 through 12/31/27.*"
        },
        {
          "cap": null,
          "rate": 5,
          "notes": "through September 30, 2027",
          "scope": "with your Chase Sapphire Preferred card",
          "category": "travel_general",
          "multiplier": "x",
          "categoryRaw": "Lyft rides",
          "evidenceQuote": "Earn 5x total points on Lyft rides with your Chase Sapphire Preferred card through September 30, 2027.*"
        }
      ],
      "unknownCategoryRaw": [],
      "extractionCompleteness": "partial"
    },
    "normalized_fact_id": "4739b35a-8d35-47b2-b658-6da688c9c92e",
    "candidate_raw_value": {
      "elements": [
        {
          "cap": null,
          "rate": 5,
          "notes": null,
          "scope": null,
          "category": "travel_portal",
          "multiplier": "x",
          "categoryRaw": "Chase Travel",
          "evidenceQuote": "5x points"
        },
        {
          "cap": null,
          "rate": 3,
          "notes": null,
          "scope": null,
          "category": "dining",
          "multiplier": "x",
          "categoryRaw": "dining",
          "evidenceQuote": "3X points"
        },
        {
          "cap": null,
          "rate": 3,
          "notes": null,
          "scope": null,
          "category": "gas",
          "multiplier": "x",
          "categoryRaw": "gas stations",
          "evidenceQuote": "3X points"
        },
        {
          "cap": null,
          "rate": 3,
          "notes": null,
          "scope": "at top brands",
          "category": "online_retail",
          "multiplier": "x",
          "categoryRaw": "vacation homes at top brands",
          "evidenceQuote": "3X points"
        },
        {
          "cap": null,
          "rate": 3,
          "notes": "exclusions apply",
          "scope": "top",
          "category": "streaming",
          "multiplier": "x",
          "categoryRaw": "top streaming services",
          "evidenceQuote": "3x points"
        },
        {
          "cap": null,
          "rate": 3,
          "notes": "exclusions apply",
          "scope": "online",
          "category": "groceries",
          "multiplier": "x",
          "categoryRaw": "online grocery",
          "evidenceQuote": "3x points"
        },
        {
          "cap": null,
          "rate": 2,
          "notes": null,
          "scope": null,
          "category": "travel_general",
          "multiplier": "x",
          "categoryRaw": "all other travel",
          "evidenceQuote": "2x points"
        },
        {
          "cap": null,
          "rate": 1,
          "notes": null,
          "scope": null,
          "category": "everything_else",
          "multiplier": "x",
          "categoryRaw": "all other purchases",
          "evidenceQuote": "1X points on all other purchases*"
        },
        {
          "cap": null,
          "rate": 5,
          "notes": "over $150 through 12/31/27",
          "scope": "eligible",
          "category": "other",
          "multiplier": "x",
          "categoryRaw": "Peloton equipment and accessory purchases",
          "evidenceQuote": "Earn 5x total points on eligible Peloton equipment and accessory purchases over $150 through 12/31/27.*"
        },
        {
          "cap": null,
          "rate": 5,
          "notes": "through 9/30/27",
          "scope": null,
          "category": "travel_general",
          "multiplier": "x",
          "categoryRaw": "Lyft rides",
          "evidenceQuote": "Earn 5x on Lyft rides through 9/30/27.*"
        },
        {
          "cap": null,
          "rate": 5,
          "notes": "through September 30, 2027",
          "scope": "with your Chase Sapphire Preferred card",
          "category": "travel_general",
          "multiplier": "x",
          "categoryRaw": "Lyft rides",
          "evidenceQuote": "Earn 5x total points on Lyft rides with your Chase Sapphire Preferred card through September 30, 2027.*"
        },
        {
          "cap": null,
          "rate": 5,
          "notes": null,
          "scope": null,
          "category": "travel_portal",
          "multiplier": "x",
          "categoryRaw": "Chase TravelSM",
          "evidenceQuote": "5X points on Chase TravelSM"
        }
      ],
      "droppedCount": 0,
      "extractionCompleteness": "complete"
    },
    "source_candidate_id": "8870d4d9-1e55-4799-987d-aec813783d26",
    "source_evidence_text": "5x points\n3X points\n3x points\n2x points\n1X points on all other purchases*\nEarn 5x total points on eligible Peloton equipment and accessory purchases over $150 through 12/31/27.*\nEarn 5x on Lyft rides through 9/30/27.*\nEarn 5x total points on Lyft rides with your Chase Sapphire Preferred card through September 30, 2027.*\n5X points on Chase TravelSM"
  },
  "entity": {
    "id": "4314f6a8-17a9-42f5-bbb1-091b028775d4",
    "name": "Chase Sapphire Preferred",
    "type": "card",
    "issuer_id": "19dd054c-b2ef-4683-a963-ce95509dd5df"
  },
  "reason": {
    "code": "fact_textual_support_unsupported",
    "label": "Fact textual support review",
    "summary": "Most earn rules are supported by the source text, but at least one normalized element changes the source-facing category in a way the evidence does not support. The source text says \"Earn 5x total points on eligible Peloton equipment and accessory purchases over $150 through 12/31/27.*\" but the normalized fact maps this to category \"online_retail\"; the evidence supports a special Peloton purchase promotion, not an online retail earn rule. Because every included normalized element must be supported, the fact is unsupported."
  },
  "evidence": {
    "source_url": null,
    "source_ref_id": "card_fact_support_review:4314f6a8-17a9-42f5-bbb1-091b028775d4:earn_rules:4739b35a-8d35-47b2-b658-6da688c9c92e:8870d4d9-1e55-4799-987d-aec813783d26",
    "document_version_id": "bc199f94-fdc9-40c7-9615-52cb2889505a",
    "source_chunk_ordinal": 90
  },
  "card_name": "Chase Sapphire Preferred",
  "issuer_id": "19dd054c-b2ef-4683-a963-ce95509dd5df",
  "schema_version": "fact_support_review:v2",
  "support_review": {
    "verdict": "unsupported",
    "confidence": "high",
    "explanation": "Most earn rules are supported by the source text, but at least one normalized element changes the source-facing category in a way the evidence does not support. The source text says \"Earn 5x total points on eligible Peloton equipment and accessory purchases over $150 through 12/31/27.*\" but the normalized fact maps this to category \"online_retail\"; the evidence supports a special Peloton purchase promotion, not an online retail earn rule. Because every included normalized element must be supported, the fact is unsupported.",
    "modelCalled": true,
    "errorMessage": null,
    "reviewedAtIso": "2026-07-06T17:30:52.462Z",
    "aiProviderError": null,
    "supportedClaims": [
      "5x points on Chase Travel",
      "3x points on dining",
      "3x points on gas stations",
      "3x points on top streaming services with exclusions",
      "3x points on online grocery with exclusions",
      "2x points on all other travel",
      "1x points on all other purchases",
      "5x total points on eligible Peloton equipment and accessory purchases over $150 through 12/31/27",
      "5x total points on Lyft rides with your Chase Sapphire Preferred card through September 30, 2027"
    ],
    "evidenceSnippets": [
      "5X points on Chase TravelSM",
      "3X points",
      "3x points",
      "2x points",
      "1X points on all other purchases*",
      "Earn 5x total points on eligible Peloton equipment and accessory purchases over $150 through 12/31/27.*",
      "Earn 5x total points on Lyft rides with your Chase Sapphire Preferred card through September 30, 2027.*"
    ]
  },
  "default_decision_notes": {
    "dismiss": "Dismiss only if another source artifact in this same run supports the normalized value.",
    "accept_fact": "Keep the normalized fact if the source evidence supports the normalized value.",
    "correct_fact": "Correct the normalizer or extraction prompt when the source supports a different canonical value.",
    "refresh_evidence": "Refresh evidence when the quote or source candidate is too weak to judge support."
  }
}