Choice Privileges Mastercard

{
  "fact": {
    "field_key": "earn_rules",
    "raw_value": {
      "cap": null,
      "rate": 3,
      "notes": "Includes grocery stores, supermarkets, delis and bakeries.",
      "scope": null,
      "category": "groceries",
      "multiplier": "x",
      "categoryRaw": "Groceries",
      "evidenceQuote": "Groceries: grocery stores, supermarkets, delis and bakeries.",
      "evidenceProvenance": {
        "sourceUrl": "https://creditcards.wellsfargo.com/",
        "sourceChunkOrdinal": 140,
        "sourceDocumentVersionId": "1791a53c-1e7e-4854-a4f7-8084e44470ec"
      }
    },
    "confidence": "0.59",
    "element_path": "elements.8",
    "element_index": 8,
    "evidence_quote": "groceries: grocery stores, supermarkets, delis and bakeries.",
    "review_unit_key": "element-8-85b2f4c51117",
    "parent_raw_value": {
      "elements": [
        {
          "cap": null,
          "rate": 5,
          "notes": "plus on Choice Privileges point purchases",
          "scope": null,
          "category": "hotels",
          "multiplier": "x",
          "categoryRaw": "stays at participating Choice Hotels® properties",
          "evidenceQuote": "5X points on stays at participating Choice Hotels® properties3 plus on Choice Privileges point purchases4",
          "evidenceProvenance": {
            "sourceUrl": "https://creditcards.wellsfargo.com/wells-fargo-choice-privileges-credit-cards/",
            "sourceChunkOrdinal": 28,
            "sourceDocumentVersionId": "b03ade7e-b1d8-4455-9e5b-bb296930e184"
          }
        },
        {
          "cap": null,
          "rate": 3,
          "notes": null,
          "scope": null,
          "category": "gas",
          "multiplier": "x",
          "categoryRaw": "purchases at gas stations",
          "evidenceQuote": "3X points on purchases at gas stations, grocery stores, home improvement stores and on phone plan services3",
          "evidenceProvenance": {
            "sourceUrl": "https://creditcards.wellsfargo.com/wells-fargo-choice-privileges-credit-cards/",
            "sourceChunkOrdinal": 34,
            "sourceDocumentVersionId": "b03ade7e-b1d8-4455-9e5b-bb296930e184"
          }
        },
        {
          "cap": null,
          "rate": 3,
          "notes": null,
          "scope": null,
          "category": "groceries",
          "multiplier": "x",
          "categoryRaw": "purchases at grocery stores",
          "evidenceQuote": "3X points on purchases at gas stations, grocery stores, home improvement stores and on phone plan services3",
          "evidenceProvenance": {
            "sourceUrl": "https://creditcards.wellsfargo.com/wells-fargo-choice-privileges-credit-cards/",
            "sourceChunkOrdinal": 34,
            "sourceDocumentVersionId": "b03ade7e-b1d8-4455-9e5b-bb296930e184"
          }
        },
        {
          "cap": null,
          "rate": 3,
          "notes": null,
          "scope": null,
          "category": "home_improvement",
          "multiplier": "x",
          "categoryRaw": "purchases at home improvement stores",
          "evidenceQuote": "3X points on purchases at gas stations, grocery stores, home improvement stores and on phone plan services3",
          "evidenceProvenance": {
            "sourceUrl": "https://creditcards.wellsfargo.com/wells-fargo-choice-privileges-credit-cards/",
            "sourceChunkOrdinal": 34,
            "sourceDocumentVersionId": "b03ade7e-b1d8-4455-9e5b-bb296930e184"
          }
        },
        {
          "cap": null,
          "rate": 1,
          "notes": null,
          "scope": null,
          "category": "everything_else",
          "multiplier": "x",
          "categoryRaw": "other purchases",
          "evidenceQuote": "1X points on other purchases3",
          "evidenceProvenance": {
            "sourceUrl": "https://creditcards.wellsfargo.com/wells-fargo-choice-privileges-credit-cards/",
            "sourceChunkOrdinal": 40,
            "sourceDocumentVersionId": "b03ade7e-b1d8-4455-9e5b-bb296930e184"
          }
        },
        {
          "cap": null,
          "rate": 5,
          "notes": "Five points (1 base point plus 4 bonus points) per $1 spent",
          "scope": "booked through either choicehotels.com or directly with an eligible Choice hotel, or by calling the Choice Hotels Service Center",
          "category": "hotels",
          "multiplier": "x",
          "categoryRaw": "qualifying stays made on the Card Account at eligible Choice hotel locations",
          "evidenceQuote": "Five points (1 base point plus 4 bonus points) per $1 spent on qualifying stays made on the Card Account at eligible Choice hotel locations.",
          "evidenceProvenance": {
            "sourceUrl": "https://creditcards.wellsfargo.com/",
            "sourceChunkOrdinal": 140,
            "sourceDocumentVersionId": "1791a53c-1e7e-4854-a4f7-8084e44470ec"
          }
        },
        {
          "cap": null,
          "rate": 3,
          "notes": "Includes automated fuel dispensers and electric vehicle charging stations.",
          "scope": null,
          "category": "gas",
          "multiplier": "x",
          "categoryRaw": "Gas",
          "evidenceQuote": "Three points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases at retailers whose Mastercard merchant code is classified as: Gas: gas stations, automated fuel dispensers, and electric vehicle charging stations.",
          "evidenceProvenance": {
            "sourceUrl": "https://creditcards.wellsfargo.com/",
            "sourceChunkOrdinal": 140,
            "sourceDocumentVersionId": "1791a53c-1e7e-4854-a4f7-8084e44470ec"
          }
        },
        {
          "cap": null,
          "rate": 3,
          "notes": "Includes automated fuel dispensers and electric vehicle charging stations.",
          "scope": null,
          "category": "ev_charging",
          "multiplier": "x",
          "categoryRaw": "Gas",
          "evidenceQuote": "Three points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases at retailers whose Mastercard merchant code is classified as: Gas: gas stations, automated fuel dispensers, and electric vehicle charging stations.",
          "evidenceProvenance": {
            "sourceUrl": "https://creditcards.wellsfargo.com/",
            "sourceChunkOrdinal": 140,
            "sourceDocumentVersionId": "1791a53c-1e7e-4854-a4f7-8084e44470ec"
          }
        },
        {
          "cap": null,
          "rate": 3,
          "notes": "Includes grocery stores, supermarkets, delis and bakeries.",
          "scope": null,
          "category": "groceries",
          "multiplier": "x",
          "categoryRaw": "Groceries",
          "evidenceQuote": "Groceries: grocery stores, supermarkets, delis and bakeries.",
          "evidenceProvenance": {
            "sourceUrl": "https://creditcards.wellsfargo.com/",
            "sourceChunkOrdinal": 140,
            "sourceDocumentVersionId": "1791a53c-1e7e-4854-a4f7-8084e44470ec"
          }
        },
        {
          "cap": null,
          "rate": 3,
          "notes": "Includes home improvement stores, hardware stores, nurseries and garden supply stores, furniture and household appliances stores, home accessories stores, floor, glass, paint and wallpaper stores, lease/rental services for furniture and household appliances, swimming pool sales and supplies, contractors, or specialists providing home improvement services.",
          "scope": null,
          "category": "home_improvement",
          "multiplier": "x",
          "categoryRaw": "Home improvement",
          "evidenceQuote": "Home improvement: home improvement stores, hardware stores, nurseries and garden supply stores, furniture and household appliances stores, home accessories stores, floor, glass, paint and wallpaper stores, lease/rental services for furniture and household appliances, swimming pool sales and supplies, contractors, or specialists providing home improvement services.",
          "evidenceProvenance": {
            "sourceUrl": "https://creditcards.wellsfargo.com/",
            "sourceChunkOrdinal": 140,
            "sourceDocumentVersionId": "1791a53c-1e7e-4854-a4f7-8084e44470ec"
          }
        },
        {
          "cap": null,
          "rate": 1,
          "notes": null,
          "scope": null,
          "category": "everything_else",
          "multiplier": "x",
          "categoryRaw": "other purchases",
          "evidenceQuote": "Other purchases: 1 rewards point will be earned per $1 spent on other net purchases.",
          "evidenceProvenance": {
            "sourceUrl": "https://creditcards.wellsfargo.com/",
            "sourceChunkOrdinal": 140,
            "sourceDocumentVersionId": "1791a53c-1e7e-4854-a4f7-8084e44470ec"
          }
        },
        {
          "cap": null,
          "rate": 5,
          "notes": null,
          "scope": null,
          "category": "travel_general",
          "multiplier": "x",
          "categoryRaw": "Choice Privileges Mastercard",
          "evidenceQuote": "Choice Privileges Mastercard",
          "evidenceProvenance": {
            "sourceUrl": "https://creditcards.wellsfargo.com/",
            "sourceChunkOrdinal": 114,
            "sourceDocumentVersionId": "1791a53c-1e7e-4854-a4f7-8084e44470ec"
          }
        },
        {
          "cap": null,
          "rate": 3,
          "notes": null,
          "scope": null,
          "category": "travel_general",
          "multiplier": "x",
          "categoryRaw": "Choice Privileges Mastercard",
          "evidenceQuote": "Choice Privileges Mastercard",
          "evidenceProvenance": {
            "sourceUrl": "https://creditcards.wellsfargo.com/",
            "sourceChunkOrdinal": 114,
            "sourceDocumentVersionId": "1791a53c-1e7e-4854-a4f7-8084e44470ec"
          }
        },
        {
          "cap": null,
          "rate": 1,
          "notes": null,
          "scope": null,
          "category": "everything_else",
          "multiplier": "x",
          "categoryRaw": "points on other purchases",
          "evidenceQuote": "points on other purchases3",
          "evidenceProvenance": {
            "sourceUrl": "https://creditcards.wellsfargo.com/wells-fargo-choice-privileges-credit-cards/",
            "sourceChunkOrdinal": 40,
            "sourceDocumentVersionId": "b03ade7e-b1d8-4455-9e5b-bb296930e184"
          }
        }
      ],
      "droppedCount": 0,
      "extractionCompleteness": "complete"
    },
    "review_unit_kind": "element",
    "fact_candidate_id": "93968ed5-e763-41fc-904b-0d5111f86a0b"
  },
  "entity": {
    "id": "7e8666fa-6d0c-47b3-bfe8-3d36aa43dfc5",
    "name": "Choice Privileges Mastercard",
    "type": "card",
    "issuer_id": "76040e3b-cc4d-4ea1-ae8e-7e406552ea0c"
  },
  "reason": {
    "code": "fact_visual_evidence_contradiction",
    "label": "Fact visual evidence review",
    "summary": "The screenshot for the Choice Privileges Mastercard shows an earn offer of “5X points on stays at participating Choice Hotels’ properties,” not a grocery earning category. There is no visible grocery-store/supermarket/deli/bakery reward rate for this card in the screenshot, and the visible card section instead points to hotel stays. Because the visible text conflicts with the claimed groceries earn rule, the candidate is contradicted. The page context does match the Choice Privileges Mastercard section, so the identity appears consistent with the target card."
  },
  "evidence": {
    "source_url": "https://creditcards.wellsfargo.com/",
    "source_ref_id": "card_fact_visual_review:7e8666fa-6d0c-47b3-bfe8-3d36aa43dfc5:earn_rules:1791a53c-1e7e-4854-a4f7-8084e44470ec:140:element-8-85b2f4c51117",
    "visual_evidence": {
      "kind": "full_page_screenshot",
      "provider": "patchright_browser",
      "viewport": {
        "width": 1440,
        "height": 900
      },
      "capturedAt": "2026-07-09T02:56:47.530Z",
      "screenshotPath": "/Users/einar/Development/cc-wiki/tmp/visual-evidence/creditcards.wellsfargo.com-2026-07-09T02-56-47-521Z-566fe430-4c7c-4d22-aed4-02b6ec54a458.png",
      "captureAttempted": true,
      "capturePersisted": true,
      "htmlSnapshotPath": "/Users/einar/Development/cc-wiki/tmp/visual-evidence/creditcards.wellsfargo.com-2026-07-09T02-56-47-521Z-566fe430-4c7c-4d22-aed4-02b6ec54a458.html"
    },
    "document_context": {
      "docType": "unresolved",
      "finalUrl": "https://creditcards.wellsfargo.com/?sub_channel=WEB&vendor_code=WF",
      "linkText": null,
      "relevance": "primary",
      "sourceUrl": "https://creditcards.wellsfargo.com/",
      "observation": "observed",
      "evidenceRole": "listing_product_block",
      "linkedFromUrl": null,
      "linkContextText": null,
      "mentionStrength": "mentioned",
      "supplementalSource": null,
      "linkedFromDocumentVersionId": null
    },
    "document_version_id": "1791a53c-1e7e-4854-a4f7-8084e44470ec",
    "source_chunk_ordinal": 140
  },
  "card_name": "Choice Privileges Mastercard",
  "issuer_id": "76040e3b-cc4d-4ea1-ae8e-7e406552ea0c",
  "visual_review": {
    "verdict": "contradicted",
    "confidence": "high",
    "explanation": "The screenshot for the Choice Privileges Mastercard shows an earn offer of “5X points on stays at participating Choice Hotels’ properties,” not a grocery earning category. There is no visible grocery-store/supermarket/deli/bakery reward rate for this card in the screenshot, and the visible card section instead points to hotel stays. Because the visible text conflicts with the claimed groceries earn rule, the candidate is contradicted. The page context does match the Choice Privileges Mastercard section, so the identity appears consistent with the target card.",
    "modelCalled": true,
    "errorMessage": null,
    "reviewedAtIso": "2026-07-09T02:58:20.243Z",
    "visibleSignals": [
      "“Choice Privileges Mastercard”",
      "“5X points on stays at participating Choice Hotels’ properties”",
      "“$0 annual fee”",
      "Card tile for Choice Privileges Mastercard"
    ],
    "aiProviderError": null,
    "documentIdentity": {
      "verdict": "matches_target",
      "confidence": "high",
      "explanation": "The screenshot visibly includes a product tile labeled “Choice Privileges Mastercard,” matching the target card name in the fact package.",
      "visibleSignals": [
        "“Choice Privileges Mastercard”",
        "Choice card product tile"
      ]
    }
  },
  "schema_version": "fact_visual_review:v5",
  "target_identity_hints": [
    {
      "value": "{\"amount\":0,\"currency\":\"USD\"}",
      "fieldKey": "annual_fee"
    },
    {
      "value": "{\"credits\":[],\"extractionCompleteness\":\"complete\",\"unknownCategoryRaw\":[]}",
      "fieldKey": "credits_summary"
    },
    {
      "value": "{\"extractionCompleteness\":\"partial\",\"rules\":[{\"cap\":null,\"category\":\"hotels\",\"categoryRaw\":\"qualifying stays made on the Card Account at eligible Choice hotel locations\",\"evidenceQuote\":\"Five points (1 base point plus 4 bonus points) per $1 spent on qualifying stays made on the Card Account at eligible Choice hotel locations.\",\"multiplier\":\"x\",\"notes\":\"Five points (1 base point plus 4 bonus points) per $1 spent\",\"rate\":5,\"scope\":\"booked through either choicehotels.com or directly with an eligible Choice hotel, or by calling the Choice Hotels Service Center\"},{\"cap\":null,\"category\":\"gas\",\"categoryRaw\":\"Gas\",\"evidenceQuote\":\"Three points (1 base point plus 2 bonus points) are earned per $1 ...",
      "fieldKey": "earn_rules"
    },
    {
      "value": "{\"percent\":0}",
      "fieldKey": "foreign_transaction_fee"
    },
    {
      "value": "[{\"audience\":\"public\",\"bonusUnit\":\"points\",\"bonusValue\":40000,\"eligibility\":{\"applyByDate\":null,\"bonusLockoutMonths\":null,\"notes\":null,\"requiresNewCustomer\":false},\"evidenceQuote\":\"Earn 40,000 bonus points when you spend $1,000 in purchases in the first 3 months*\",\"notes\":null,\"offerUrl\":\"https://creditcards.wellsfargo.com/\",\"spendRequired\":{\"currency\":\"USD\",\"value\":1000,\"windowDays\":90},\"tiers\":[]}]",
      "fieldKey": "welcome_bonus"
    }
  ],
  "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."
  }
}