Chase Sapphire Preferred

{
  "fact": {
    "unit": null,
    "field_key": "earn_rules",
    "value_kind": "structured_earn_rule",
    "evidence_quote": "5x points\n\non Chase Travel*",
    "normalized_value": {
      "rules": [
        {
          "cap": null,
          "rate": 5,
          "notes": null,
          "scope": null,
          "category": "travel_portal",
          "multiplier": "x",
          "categoryRaw": "Chase Travel",
          "evidenceQuote": "5x points\n\non Chase Travel*"
        },
        {
          "cap": null,
          "rate": 3,
          "notes": null,
          "scope": null,
          "category": "dining",
          "multiplier": "x",
          "categoryRaw": "dining",
          "evidenceQuote": "3X points\n\non dining*"
        },
        {
          "cap": null,
          "rate": 3,
          "notes": "EV charging, and vacation homes at top brands",
          "scope": null,
          "category": "gas",
          "multiplier": "x",
          "categoryRaw": "gas stations",
          "evidenceQuote": "3X points\n\non gas stations, EV charging, and vacation homes at top brands*"
        },
        {
          "cap": null,
          "rate": 3,
          "notes": "top streaming services and exclusions apply",
          "scope": null,
          "category": "groceries",
          "multiplier": "x",
          "categoryRaw": "online grocery",
          "evidenceQuote": "3x points\n\non top streaming services and online grocery, exclusions apply*"
        },
        {
          "cap": null,
          "rate": 3,
          "notes": "online grocery, exclusions apply",
          "scope": null,
          "category": "streaming",
          "multiplier": "x",
          "categoryRaw": "top streaming services",
          "evidenceQuote": "3x points\n\non top streaming services and online grocery, exclusions apply*"
        },
        {
          "cap": null,
          "rate": 2,
          "notes": null,
          "scope": null,
          "category": "travel_general",
          "multiplier": "x",
          "categoryRaw": "all other travel",
          "evidenceQuote": "2x points\n\non all other travel*"
        },
        {
          "cap": null,
          "rate": 1,
          "notes": null,
          "scope": null,
          "category": "everything_else",
          "multiplier": "x",
          "categoryRaw": "all other purchases",
          "evidenceQuote": "and 1X points on all other purchases*"
        },
        {
          "cap": null,
          "rate": 5,
          "notes": null,
          "scope": "eligible Peloton equipment and accessory purchases over $150 through December 31, 2027",
          "category": "other",
          "multiplier": "x",
          "categoryRaw": "Peloton equipment",
          "evidenceQuote": "Earn 5x total points on eligible Peloton equipment and accessory purchases over $150 through December 31, 2027."
        },
        {
          "cap": null,
          "rate": 5,
          "notes": null,
          "scope": "with your Chase Sapphire Preferred card through September 30, 2027",
          "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": "07adce94-4ca2-4d2b-b7ec-27a05f02cbe1",
    "candidate_raw_value": {
      "elements": [
        {
          "cap": null,
          "rate": 5,
          "notes": null,
          "scope": null,
          "category": "travel_portal",
          "multiplier": "x",
          "categoryRaw": "Chase Travel",
          "evidenceQuote": "5x points\n\non Chase Travel*"
        },
        {
          "cap": null,
          "rate": 3,
          "notes": null,
          "scope": null,
          "category": "dining",
          "multiplier": "x",
          "categoryRaw": "dining",
          "evidenceQuote": "3X points\n\non dining*"
        },
        {
          "cap": null,
          "rate": 3,
          "notes": "EV charging, and vacation homes at top brands",
          "scope": null,
          "category": "gas",
          "multiplier": "x",
          "categoryRaw": "gas stations",
          "evidenceQuote": "3X points\n\non gas stations, EV charging, and vacation homes at top brands*"
        },
        {
          "cap": null,
          "rate": 3,
          "notes": "top streaming services and exclusions apply",
          "scope": null,
          "category": "groceries",
          "multiplier": "x",
          "categoryRaw": "online grocery",
          "evidenceQuote": "3x points\n\non top streaming services and online grocery, exclusions apply*"
        },
        {
          "cap": null,
          "rate": 3,
          "notes": "online grocery, exclusions apply",
          "scope": null,
          "category": "streaming",
          "multiplier": "x",
          "categoryRaw": "top streaming services",
          "evidenceQuote": "3x points\n\non top streaming services and online grocery, exclusions apply*"
        },
        {
          "cap": null,
          "rate": 2,
          "notes": null,
          "scope": null,
          "category": "travel_general",
          "multiplier": "x",
          "categoryRaw": "all other travel",
          "evidenceQuote": "2x points\n\non all other travel*"
        },
        {
          "cap": null,
          "rate": 1,
          "notes": null,
          "scope": null,
          "category": "everything_else",
          "multiplier": "x",
          "categoryRaw": "all other purchases",
          "evidenceQuote": "and 1X points on all other purchases*"
        },
        {
          "cap": null,
          "rate": 5,
          "notes": null,
          "scope": "eligible Peloton equipment and accessory purchases over $150 through 12/31/27",
          "category": "other",
          "multiplier": "x",
          "categoryRaw": "Peloton purchases",
          "evidenceQuote": "5x on Peloton purchases"
        },
        {
          "cap": null,
          "rate": 5,
          "notes": null,
          "scope": "through 9/30/27",
          "category": "other",
          "multiplier": "x",
          "categoryRaw": "Lyft rides",
          "evidenceQuote": "5x on Lyft rides"
        },
        {
          "cap": null,
          "rate": 5,
          "notes": null,
          "scope": "with your Chase Sapphire Preferred card through September 30, 2027",
          "category": "other",
          "multiplier": "x",
          "categoryRaw": "Lyft rides",
          "evidenceQuote": "5x points on Lyft rides"
        },
        {
          "cap": null,
          "rate": 5,
          "notes": null,
          "scope": "eligible Peloton equipment and accessory purchases over $150 through December 31, 2027",
          "category": "other",
          "multiplier": "x",
          "categoryRaw": "Peloton equipment",
          "evidenceQuote": "5x points on Peloton equipment"
        },
        {
          "cap": null,
          "rate": 5,
          "notes": null,
          "scope": null,
          "category": "travel_portal",
          "multiplier": "x",
          "categoryRaw": "Chase TravelSM",
          "evidenceQuote": "5X points on Chase TravelSM"
        },
        {
          "cap": null,
          "rate": 5,
          "notes": null,
          "scope": null,
          "category": "transit",
          "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": "eligible Peloton equipment and accessory purchases over $150",
          "category": "other",
          "multiplier": "x",
          "categoryRaw": "Peloton equipment",
          "evidenceQuote": "Earn 5x total points on eligible Peloton equipment and accessory purchases over $150 through December 31, 2027."
        },
        {
          "cap": null,
          "rate": 5,
          "notes": null,
          "scope": null,
          "category": "travel_portal",
          "multiplier": "x",
          "categoryRaw": "Chase TravelSM purchases",
          "evidenceQuote": "Earn 5x points on Chase TravelSM purchases"
        },
        {
          "cap": null,
          "rate": 2,
          "notes": null,
          "scope": null,
          "category": "travel_general",
          "multiplier": "x",
          "categoryRaw": "all other travel",
          "evidenceQuote": "2x points on all other travel"
        }
      ],
      "droppedCount": 0,
      "extractionCompleteness": "complete"
    },
    "source_candidate_id": "ee6cc629-e685-4ce3-82ae-dd1109541393",
    "source_evidence_text": "5x points\n\non Chase Travel*\n3X points\n\non dining*\n3X points\n\non gas stations, EV charging, and vacation homes at top brands*\n3x points\n\non top streaming services and online grocery, exclusions apply*\n2x points\n\non all other travel*\nand 1X points on all other purchases*\n5x on Peloton purchases\n5x on Lyft rides\n5x points on Lyft rides\n5x points on Peloton equipment\n5X points on Chase TravelSM\nEarn 5x total points on Lyft rides with your Chase Sapphire Preferred card through September 30, 2027.\nEarn 5x total points on eligible Peloton equipment and accessory purchases over $150 through December 31, 2027.\nEarn 5x points on Chase TravelSM purchases\n2x points on all other travel\nEarn 5x points on Chase TravelSM purchases and 2x points on all other travel."
  },
  "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 directly supported, but at least one normalized element reclassifies a source-facing category in a way the evidence does not support. The Peloton promotion is evidenced as \"Peloton purchases\" / \"eligible Peloton equipment and accessory purchases,\" which does not support the normalized category \"other\" with categoryRaw \"Peloton equipment\" as a supported category mapping only if the source-facing facts are used as given. More importantly, the Lyft promotion is normalized to category \"travel_general\" with categoryRaw \"Lyft rides,\" but the taxonomy guide says brand-only ride-service promotions should not be mapped to travel_general when the evidence does not place them in a travel context; the evidence explicitly says \"Lyft rides\" and nothing about travel. Because every normalized element must be supported, the list is not fully supported."
  },
  "evidence": {
    "source_url": null,
    "source_ref_id": "card_fact_support_review:4314f6a8-17a9-42f5-bbb1-091b028775d4:earn_rules:07adce94-4ca2-4d2b-b7ec-27a05f02cbe1:ee6cc629-e685-4ce3-82ae-dd1109541393",
    "document_version_id": "e59191ee-fc58-4125-ba1a-05febde60b66",
    "source_chunk_ordinal": 93
  },
  "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 directly supported, but at least one normalized element reclassifies a source-facing category in a way the evidence does not support. The Peloton promotion is evidenced as \"Peloton purchases\" / \"eligible Peloton equipment and accessory purchases,\" which does not support the normalized category \"other\" with categoryRaw \"Peloton equipment\" as a supported category mapping only if the source-facing facts are used as given. More importantly, the Lyft promotion is normalized to category \"travel_general\" with categoryRaw \"Lyft rides,\" but the taxonomy guide says brand-only ride-service promotions should not be mapped to travel_general when the evidence does not place them in a travel context; the evidence explicitly says \"Lyft rides\" and nothing about travel. Because every normalized element must be supported, the list is not fully supported.",
    "modelCalled": true,
    "errorMessage": null,
    "reviewedAtIso": "2026-07-06T17:47:04.607Z",
    "aiProviderError": null,
    "supportedClaims": [
      "5x points on Chase Travel",
      "3X points on dining",
      "3X points on gas stations, EV charging, and vacation homes at top brands",
      "3x points on top streaming services and online grocery, exclusions apply",
      "2x points on all other travel",
      "1X points on all other purchases",
      "5x on Peloton purchases",
      "5x on Lyft rides",
      "Earn 5x total points on Lyft rides with your Chase Sapphire Preferred card through September 30, 2027.",
      "Earn 5x total points on eligible Peloton equipment and accessory purchases over $150 through December 31, 2027.",
      "Earn 5x points on Chase TravelSM purchases"
    ],
    "evidenceSnippets": [
      "5x points\n\non Chase Travel*",
      "3X points\n\non dining*",
      "3X points\n\non gas stations, EV charging, and vacation homes at top brands*",
      "3x points\n\non top streaming services and online grocery, exclusions apply*",
      "2x points\n\non all other travel*",
      "and 1X points on all other purchases*",
      "5x on Peloton purchases",
      "5x on Lyft rides",
      "Earn 5x total points on Lyft rides with your Chase Sapphire Preferred card through September 30, 2027.",
      "Earn 5x total points on eligible Peloton equipment and accessory purchases over $150 through December 31, 2027.",
      "Earn 5x points on Chase TravelSM purchases",
      "2x points on all other travel"
    ]
  },
  "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."
  }
}