Chase Sapphire Reserve

{
  "fact": {
    "field_key": "earn_rules",
    "raw_value": {
      "cap": null,
      "rate": 3,
      "notes": null,
      "scope": null,
      "category": "other",
      "multiplier": "x",
      "categoryRaw": "social media & search engine advertising",
      "evidenceQuote": "3x points\non social media & search engine advertising*"
    },
    "confidence": "0.9685714285714287",
    "element_path": "elements.24",
    "element_index": 24,
    "evidence_quote": "3x points on social media & search engine advertising",
    "review_unit_key": "element-24-235d9948ab43",
    "parent_raw_value": {
      "elements": [
        {
          "cap": null,
          "rate": 8,
          "notes": null,
          "scope": "including The EditSM",
          "category": "travel_portal",
          "multiplier": "x",
          "categoryRaw": "all purchases through Chase Travel",
          "evidenceQuote": "8x points on all purchases through Chase Travel, including The EditSM*"
        },
        {
          "cap": null,
          "rate": 4,
          "notes": null,
          "scope": "booked direct",
          "category": "flights",
          "multiplier": "x",
          "categoryRaw": "flights booked direct",
          "evidenceQuote": "4x points on flights booked direct*"
        },
        {
          "cap": null,
          "rate": 4,
          "notes": null,
          "scope": "booked direct",
          "category": "hotels",
          "multiplier": "x",
          "categoryRaw": "hotels booked direct",
          "evidenceQuote": "4x points on hotels booked direct*"
        },
        {
          "cap": null,
          "rate": 3,
          "notes": null,
          "scope": "worldwide",
          "category": "dining",
          "multiplier": "x",
          "categoryRaw": "dining worldwide",
          "evidenceQuote": "3x points on dining worldwide*"
        },
        {
          "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": 8,
          "notes": null,
          "scope": null,
          "category": "travel_portal",
          "multiplier": "x",
          "categoryRaw": "Chase Travel purchases",
          "evidenceQuote": "8 points (\"8X points\") on Chase Travel purchases"
        },
        {
          "cap": null,
          "rate": 4,
          "notes": null,
          "scope": null,
          "category": "flights",
          "multiplier": "x",
          "categoryRaw": "flights and hotels booked direct",
          "evidenceQuote": "4 points (\"4X points\") on flights and hotels booked direct"
        },
        {
          "cap": null,
          "rate": 4,
          "notes": null,
          "scope": null,
          "category": "hotels",
          "multiplier": "x",
          "categoryRaw": "flights and hotels booked direct",
          "evidenceQuote": "4 points (\"4X points\") on flights and hotels booked direct"
        },
        {
          "cap": null,
          "rate": 3,
          "notes": "including takeout and eligible delivery services",
          "scope": null,
          "category": "dining",
          "multiplier": "x",
          "categoryRaw": "dining at restaurants purchases",
          "evidenceQuote": "3 points (\"3X points\") on dining at restaurants purchases"
        },
        {
          "cap": null,
          "rate": 1,
          "notes": null,
          "scope": null,
          "category": "everything_else",
          "multiplier": "x",
          "categoryRaw": "all other purchases",
          "evidenceQuote": "1 point (\"1X points\"): You'll earn 1 point for each $1 spent on all other purchases"
        },
        {
          "cap": null,
          "rate": 5,
          "notes": "Qualifying Lyft products and services include rideshare; bike and scooter rides; and subscription and membership products.",
          "scope": "through 09/30/2027",
          "category": "other",
          "multiplier": "x",
          "categoryRaw": "qualifying Lyft products and services purchased through the Lyft mobile application",
          "evidenceQuote": "You'll earn 5X points on qualifying Lyft products and services purchased through the Lyft mobile application through 09/30/2027."
        },
        {
          "cap": {
            "amount": 5000,
            "period": "billing_cycle",
            "currency": "$"
          },
          "rate": 10,
          "notes": "Sapphire Reserve or J.P. Morgan Reserve",
          "scope": "over $150 through Peloton from 4/1/2025 through 12/31/2027",
          "category": "other",
          "multiplier": "x",
          "categoryRaw": "peloton equipment and accessory purchases",
          "evidenceQuote": "You'll earn a total of 10 (Sapphire Reserve or J.P. Morgan Reserve) or 5 (Sapphire Preferred) points for each $1 spent on up to $5,000 in total purchases when your card is used for Peloton equipment and accessory purchases over $150 through Peloton"
        },
        {
          "cap": null,
          "rate": 8,
          "notes": null,
          "scope": null,
          "category": "travel_portal",
          "multiplier": "x",
          "categoryRaw": "Chase Travel purchases",
          "evidenceQuote": "earn 8x points on Chase Travel purchases"
        },
        {
          "cap": null,
          "rate": 4,
          "notes": null,
          "scope": "booked direct",
          "category": "flights",
          "multiplier": "x",
          "categoryRaw": "flights and hotels booked direct",
          "evidenceQuote": "4x points on flights and hotels booked direct"
        },
        {
          "cap": null,
          "rate": 4,
          "notes": null,
          "scope": "booked direct",
          "category": "hotels",
          "multiplier": "x",
          "categoryRaw": "flights and hotels booked direct",
          "evidenceQuote": "4x points on flights and hotels booked direct"
        },
        {
          "cap": null,
          "rate": 8,
          "notes": null,
          "scope": null,
          "category": "travel_portal",
          "multiplier": "x",
          "categoryRaw": "all Chase TravelSM purchases",
          "evidenceQuote": "8x points on all Chase TravelSM purchases"
        },
        {
          "cap": null,
          "rate": 1,
          "notes": null,
          "scope": null,
          "category": "everything_else",
          "multiplier": "x",
          "categoryRaw": "all purchases",
          "evidenceQuote": "1 point earned on all purchases in the rewards program"
        },
        {
          "cap": null,
          "rate": 5,
          "notes": "qualifying Lyft products and services include rideshare; bike and scooter rides; and subscription and membership products",
          "scope": "through the Lyft mobile application through 09/30/2027",
          "category": "travel_general",
          "multiplier": "x",
          "categoryRaw": "travel",
          "evidenceQuote": "You'll earn 5X points on qualifying Lyft products and services purchased through the Lyft mobile application through 09/30/2027."
        },
        {
          "cap": null,
          "rate": 5,
          "notes": "in-app credits to use on rides",
          "scope": "through 9/30/2027",
          "category": "other",
          "multiplier": "x",
          "categoryRaw": "Lyft rides",
          "evidenceQuote": "earn 5x total points on Lyft rides through 9/30/2027.*"
        },
        {
          "cap": {
            "amount": 5000,
            "period": "annual",
            "currency": "USD"
          },
          "rate": 10,
          "notes": "Only purchases made directly through Peloton - through onepeloton.com, over the phone, or in a Peloton showroom - are eligible.",
          "scope": "when your card is used for Peloton equipment and accessory purchases over $150 through Peloton from 4/1/2025 through 12/31/2027",
          "category": "other",
          "multiplier": "x",
          "categoryRaw": "Peloton equipment and accessory purchases",
          "evidenceQuote": "You'll earn a total of 10 (Sapphire Reserve or J.P. Morgan Reserve) or 5 (Sapphire Preferred) points for each $1 spent on up to $5,000 in total purchases when your card is used for Peloton equipment and accessory purchases over $150 through Peloton"
        },
        {
          "cap": null,
          "rate": 8,
          "notes": null,
          "scope": "on all purchases through Chase TravelSM, including The EditSM",
          "category": "travel_portal",
          "multiplier": "x",
          "categoryRaw": "Chase Travel",
          "evidenceQuote": "8x points\non all purchases through Chase TravelSM, including The EditSM*"
        },
        {
          "cap": null,
          "rate": 5,
          "notes": "Qualifying Lyft products and services include rideshare; bike and scooter rides; and subscription and membership products.",
          "scope": "through 9/30/27",
          "category": "other",
          "multiplier": "x",
          "categoryRaw": "Lyft rides",
          "evidenceQuote": "5x total points\non Lyft rides through 9/30/27*"
        },
        {
          "cap": null,
          "rate": 4,
          "notes": null,
          "scope": "booked direct",
          "category": "flights",
          "multiplier": "x",
          "categoryRaw": "flights & hotels booked direct",
          "evidenceQuote": "4x points\non flights & hotels booked direct*"
        },
        {
          "cap": null,
          "rate": 4,
          "notes": null,
          "scope": "booked direct",
          "category": "hotels",
          "multiplier": "x",
          "categoryRaw": "flights & hotels booked direct",
          "evidenceQuote": "4x points\non flights & hotels booked direct*"
        },
        {
          "cap": null,
          "rate": 3,
          "notes": null,
          "scope": null,
          "category": "other",
          "multiplier": "x",
          "categoryRaw": "social media & search engine advertising",
          "evidenceQuote": "3x points\non social media & search engine advertising*"
        },
        {
          "cap": null,
          "rate": 1,
          "notes": null,
          "scope": null,
          "category": "everything_else",
          "multiplier": "x",
          "categoryRaw": "all other purchases",
          "evidenceQuote": "1x points\non all other purchases*"
        }
      ],
      "droppedCount": 0,
      "extractionCompleteness": "complete"
    },
    "review_unit_kind": "element",
    "fact_candidate_id": "ee6ab7d9-5243-4e08-b2d9-4b9575ecb65e"
  },
  "entity": {
    "id": "6077e61f-cb47-4094-bd80-5d04c3bc7d89",
    "name": "Chase Sapphire Reserve",
    "type": "card",
    "issuer_id": "19dd054c-b2ef-4683-a963-ce95509dd5df"
  },
  "reason": {
    "code": "fact_visual_evidence_contradiction",
    "label": "Fact visual evidence review",
    "summary": "The screenshot is for the Chase Sapphire Reserve for Business card, and the visible rewards section shows different earn categories/rates (e.g., 8x, 5x total, 4x, 3x, 1x) but does not show a 3x earn rule for social media & search engine advertising. The visible text instead indicates the 3x rate belongs to a different business spending category, so the candidate fact is not visually supported and conflicts with the visible category assignment on this page."
  },
  "evidence": {
    "source_url": "https://creditcards.chase.com/business-credit-cards/sapphire/reserve?iCELL=61FY",
    "source_ref_id": "card_fact_visual_review:6077e61f-cb47-4094-bd80-5d04c3bc7d89:earn_rules:153f0000-9742-485b-ab19-eb22a16292ec:142:element-24-235d9948ab43",
    "visual_evidence": {
      "kind": "full_page_screenshot",
      "provider": "patchright_browser",
      "viewport": {
        "width": 1440,
        "height": 900
      },
      "capturedAt": "2026-07-06T20:18:40.848Z",
      "screenshotPath": "/Users/einar/Development/cc-wiki/tmp/visual-evidence/creditcards.chase.com-2026-07-06T20-18-40-839Z-c459a135-1308-4d66-9e42-56740b4c00be.png",
      "captureAttempted": true,
      "capturePersisted": true,
      "htmlSnapshotPath": "/Users/einar/Development/cc-wiki/tmp/visual-evidence/creditcards.chase.com-2026-07-06T20-18-40-839Z-c459a135-1308-4d66-9e42-56740b4c00be.html"
    },
    "document_version_id": "153f0000-9742-485b-ab19-eb22a16292ec",
    "source_chunk_ordinal": 142
  },
  "card_name": "Chase Sapphire Reserve",
  "issuer_id": "19dd054c-b2ef-4683-a963-ce95509dd5df",
  "visual_review": {
    "verdict": "contradicted",
    "confidence": "high",
    "explanation": "The screenshot is for the Chase Sapphire Reserve for Business card, and the visible rewards section shows different earn categories/rates (e.g., 8x, 5x total, 4x, 3x, 1x) but does not show a 3x earn rule for social media & search engine advertising. The visible text instead indicates the 3x rate belongs to a different business spending category, so the candidate fact is not visually supported and conflicts with the visible category assignment on this page.",
    "modelCalled": true,
    "errorMessage": null,
    "reviewedAtIso": "2026-07-06T20:33:18.184Z",
    "visibleSignals": [
      "“The Sapphire Reserve for Business℠ card”",
      "“Fuel your business, maximize your rewards”",
      "“8x points”",
      "“5x total points”",
      "“4x points”",
      "“3x points”",
      "“1x points”"
    ],
    "aiProviderError": null
  },
  "schema_version": "fact_visual_review:v2",
  "default_decision_notes": {
    "dismiss": "Dismiss if this task is explained by an expected screenshot limitation.",
    "accept_fact": "Keep the extracted fact if source evidence outside this screenshot supports it.",
    "correct_fact": "Correct the fact if the screenshot or source page clearly shows a different value.",
    "refresh_evidence": "Refresh evidence when the screenshot does not show the cited source text."
  }
}