Wendy's Monthly Credit Card Spend in November 2026

Wendy's Monthly Credit Card Spend in November 2026 is a Kalshi event whose contracts ask whether a specific index value for the month will be above a stated threshold. The index is published by Carbon Arc and is described as a year-over-year measure of Wendy's card spending. Under the stated rules, a value of 100 means spending matched the same month a year earlier, values above 100 indicate growth, and values below 100 indicate decline. The rules give examples: 103 means 3% more spend than the prior year, and 97 means a 3% decline [1]. The index is calculated from Carbon Arc's aggregated U.S. credit and debit card transaction panel, matched to the same period of the prior year. The rules say the panel updates daily as new data arrives [1]. The contract therefore tracks a rolling, panel-based estimate rather than a company-reported sales figure. The rules state that the determination will use finalized Carbon Arc values recorded at 11:59 p.m. ET on the fourth calendar day after the end of the month covered by the market. For November, that means the determination relies on values finalized after the month closes, not on the running panel [1]. The rules also state that the market will close and expire early if the economic data is released [1]. The saved market data lists a status of active and an end date of 14 December 2026. The Kalshi record separately notes that its listed end time was not supplied [1]. The end date in the market data is a provider field and should not be read as the date the index value will be finalized, which the rules tie to the fourth calendar day after the month ends. The contracts are threshold markets. Each one asks whether the November 2026 value will be above a particular level, such as 85, 85.5, 86, and so on. In the saved sample, the Yes price falls as the threshold rises. For example, the 85 contract showed a Yes price of 0.34 and the 90.5 contract showed 0.07 at the observation time [1]. These figures are snapshots from a specific provider observation, not executable quotes or verified probabilities, and a difference between contracts does not by itself identify a trading opportunity. The sample covers 12 of 13 markets in this Kalshi event. The included markets run from the 85 threshold through the 90.5 threshold. Because the sample is partial, the omitted market is not described here, and the included prices should not be read as the complete set of thresholds for this event [1]. The rules state that Kalshi is not affiliated, associated, authorized, endorsed by, or in any way officially connected with Wendy's [1]. The contract therefore measures a third-party index of card spending that relates to the brand, not an official Wendy's disclosure. Card payments in general can be made by tapping a card, fob, or mobile device, using radio-frequency identification or near-field communication, but the supplied background on contactless payments does not address Wendy's or this index [2].

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