Chase Sapphire Reserve

{
  "fact": {
    "field_key": "earn_rules",
    "raw_value": {
      "cap": null,
      "rate": 4,
      "notes": null,
      "scope": "booked direct",
      "category": "hotels",
      "multiplier": "x",
      "categoryRaw": "flights and hotels booked direct",
      "evidenceQuote": "4 points (\"4X points\") on flights and hotels booked direct: You'll earn 4 points for each $1 spent on purchases made in the following rewards category: flights and hotels booked direct."
    },
    "confidence": "0.9666666666666667",
    "element_path": "elements.7",
    "element_index": 7,
    "evidence_quote": "4 points (\"4X points\") on flights and hotels booked direct: You'll earn 4 points for each $1 spent on purchases made in the following rewards category: flights and hotels booked direct.",
    "review_unit_key": "element-7-67f98e88f5b1",
    "parent_raw_value": {
      "elements": [
        {
          "cap": null,
          "rate": 8,
          "notes": null,
          "scope": null,
          "category": "travel_portal",
          "multiplier": "x",
          "categoryRaw": "all purchases through Chase Travel, including The EditSM",
          "evidenceQuote": "8x points"
        },
        {
          "cap": null,
          "rate": 4,
          "notes": null,
          "scope": "booked direct",
          "category": "flights",
          "multiplier": "x",
          "categoryRaw": "flights booked direct",
          "evidenceQuote": "4x points"
        },
        {
          "cap": null,
          "rate": 4,
          "notes": null,
          "scope": "booked direct",
          "category": "hotels",
          "multiplier": "x",
          "categoryRaw": "hotels booked direct",
          "evidenceQuote": "4x points"
        },
        {
          "cap": null,
          "rate": 3,
          "notes": null,
          "scope": "worldwide",
          "category": "dining",
          "multiplier": "x",
          "categoryRaw": "dining worldwide",
          "evidenceQuote": "3x points"
        },
        {
          "cap": null,
          "rate": 1,
          "notes": null,
          "scope": null,
          "category": "everything_else",
          "multiplier": "x",
          "categoryRaw": "all other purchases",
          "evidenceQuote": "1x points"
        },
        {
          "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: You'll earn 8 points for each $1 spent on purchases made using your card through Chase Travel."
        },
        {
          "cap": null,
          "rate": 4,
          "notes": null,
          "scope": "booked direct",
          "category": "flights",
          "multiplier": "x",
          "categoryRaw": "flights and hotels booked direct",
          "evidenceQuote": "4 points (\"4X points\") on flights and hotels booked direct: You'll earn 4 points for each $1 spent on purchases made in the following rewards category: 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": "4 points (\"4X points\") on flights and hotels booked direct: You'll earn 4 points for each $1 spent on purchases made in the following rewards category: 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: You'll earn 3 points for each $1 spent on purchases made in the following rewards category: dining at restaurants including takeout and eligible delivery services."
        },
        {
          "cap": null,
          "rate": 1,
          "notes": null,
          "scope": null,
          "category": "everything_else",
          "multiplier": "x",
          "categoryRaw": "all other purchases",
          "evidenceQuote": "1 point for each $1 spent on all other purchases."
        },
        {
          "cap": null,
          "rate": 5,
          "notes": null,
          "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": null,
          "rate": 10,
          "notes": "through 12/31/2027",
          "scope": "over $150",
          "category": "other",
          "multiplier": "x",
          "categoryRaw": "eligible Peloton equipment and accessory purchases",
          "evidenceQuote": "earn 10x total points on eligible Peloton equipment and accessory purchases over $150 through 12/31/2027"
        },
        {
          "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",
          "evidenceQuote": "4x points on flights and hotels booked direct"
        },
        {
          "cap": null,
          "rate": 4,
          "notes": null,
          "scope": "booked direct",
          "category": "hotels",
          "multiplier": "x",
          "categoryRaw": "hotels",
          "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": "includes 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": "USD"
          },
          "rate": 10,
          "notes": "That's 9 (Sapphire Reserve or J.P. Morgan Reserve) points on top of the 1 point you already earn on these purchases with your card.",
          "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": "eligible Peloton equipment and accessory purchases",
          "evidenceQuote": "You'll earn a total of 10 (Sapphire Reserve or J.P. Morgan Reserve) 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": 1,
          "notes": "That's 9 (Sapphire Reserve or J.P. Morgan Reserve) points on top of the 1 point you already earn on these purchases with your card.",
          "scope": "on eligible Peloton equipment and accessory purchases over $150 through Peloton",
          "category": "other",
          "multiplier": "x",
          "categoryRaw": "these purchases",
          "evidenceQuote": "That's 9 (Sapphire Reserve or J.P. Morgan Reserve) points on top of the 1 point you already earn on these purchases with your card."
        }
      ],
      "droppedCount": 0,
      "extractionCompleteness": "complete"
    },
    "review_unit_kind": "element",
    "fact_candidate_id": "db4afe44-83a4-44b4-be81-ae323500236c"
  },
  "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 visible earning-rewards section for the Chase Sapphire Reserve for Business card shows a different business-category bonus structure, including “4x points” for office supply stores and other categories, but it does not show “4 points on flights and hotels booked direct” for the named card. The screenshot’s visible earn copy conflicts with the candidate’s specific category/rate claim for this target card."
  },
  "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:184:element-7-67f98e88f5b1",
    "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": 184
  },
  "card_name": "Chase Sapphire Reserve",
  "issuer_id": "19dd054c-b2ef-4683-a963-ce95509dd5df",
  "visual_review": {
    "verdict": "contradicted",
    "confidence": "medium",
    "explanation": "The visible earning-rewards section for the Chase Sapphire Reserve for Business card shows a different business-category bonus structure, including “4x points” for office supply stores and other categories, but it does not show “4 points on flights and hotels booked direct” for the named card. The screenshot’s visible earn copy conflicts with the candidate’s specific category/rate claim for this target card.",
    "modelCalled": true,
    "errorMessage": null,
    "reviewedAtIso": "2026-07-06T20:22:47.836Z",
    "visibleSignals": [
      "“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."
  }
}