card-profile-recommend

# Card Profile Recommend Return a graded portfolio audit plus opinionated new-card recommendations with signup bonus strategy, churning paths, and issuer rule checks. ## When To Use When the user wants to know which cards to keep, drop, or add next. Trigger phrases: "card-profile-recommend", "recommend cards", "what cards should I add", "credit card recommendations", "optimize my wallet", "what card should I get next", "improve my card lineup". ## Input Format The user provides a comma-separated list of cards they currently hold: - `card-profile-recommend Chase Sapphire Preferred, Amex Gold, Citi Double Cash` Optional: opening dates per card (inline or separate list): - `card-profile-recommend CSP (Jan 2024), Amex Gold (Mar 2023), Double Cash (2021)` When opening dates are provided, calculate exact 5/24 count and factor into grading decisions. ## Workflow 1. **Parse card list** from comma-separated input. 2. **Resolve each card** — normalize and match to exact variants. If any card is ambiguous, return a numbered choice list for that card and stop. 3. **Search** — use `WebSearch` by default for each card plus any needed gap-category searches. If `BRAVE_API_KEY` is available and `curl` exists, you may use Brave Search API instead, but do not burst requests blindly. 4. **Fetch pages** — for each card, fetch the top issuer URL + 1 secondary (prefer thepointsguy.com). For new-card candidates, fetch up to 2 secondary pages. 5. **Pace any follow-up searches** — if more searches are needed, serialize them with short waits rather than firing them all at once. 6. **Collect** — for each card: annual fee, statement credits (with conditions), earning categories with rates, welcome offer status, notable benefits. 6. **Portfolio economics** — compute total gross fees, total claimable credits, net annual cost. Per-card net cost. 7. **Grade each card** — MVP / Keep / Consider Dropping per grading criteria below. 8. **Point valuations** — determine effective cpp for each currency using TPG valuations + transfer-access rule. 9. **Earning map** — best card per category with effective value (rate × cpp). 10. **Identify gaps** — categories earning below 2x / 2%. 11. **Recommend 2–3 new personal cards** — fill gaps, add ecosystems, maximize SUB windows, include churning strategy. 12. **Build application sequence** — ordered by priority with timing notes. 13. **Confidence** — flag uncertain claims. ## Step 1: Card Identity Resolution ### Common Abbreviations | Input | Resolved | |---|---| | CSP | Chase Sapphire Preferred | | CSR | Chase Sapphire Reserve | | CFU | Chase Freedom Unlimited | | CFF | Chase Freedom Flex | | CIP | Chase Ink Business Preferred | | CIC | Chase Ink Business Cash | | CIU | Chase Ink Business Unlimited | | Amex Gold | American Express Gold Card | | Amex Plat | American Express Platinum Card | | Venture X | Capital One Venture X Rewards Credit Card | | Double Cash | Citi Double Cash Card | | Custom Cash | Citi Custom Cash Card | | Bilt | Bilt Blue / Obsidian / Palladium (ambiguous — ask) | | Robinhood | Robinhood Gold Card / Cash Card (ambiguous — ask) | ### Supported Issuers American Express, Bank of America, Barclays, Bilt, Capital One, Chase, Citi, Discover, Robinhood, U.S. Bank, Wells Fargo. ## Step 2: Search Use the platform's **WebSearch** and **WebFetch** tools by default. If `BRAVE_API_KEY` is available and the runtime also provides `curl`, you may use Brave Search API instead for faster and more repeatable search results. Optional Brave template: ```bash curl -sS "https://api.search.brave.com/res/v1/web/search?q=CARD+NAME+benefits+credits+annual+fee&count=10" \ -H "X-Subscription-Token: $BRAVE_API_KEY" ``` Do not assume any search provider tolerates a large burst of parallel searches. ### Search Budget Rule Treat search as scarce and paced. Built-in web search is the default path; if Brave mode is used, it may rate-limit after only a few closely spaced requests. - Start with the most important cards first. - Fetch issuer and approved secondary pages before deciding whether more searches are needed. - When multiple searches are required, serialize them in small batches or add short waits of about **2 to 5 seconds** between bursts. - If Brave returns **429**, wait about **8 to 15 seconds** and retry once for the still-missing search. - If Brave is unavailable, continue with `WebSearch` + `WebFetch`. - If it still fails, continue with the best evidence already gathered and note the limitation in `## 🔍 Confidence Notes`. Additionally, search for new-card candidates targeting gap categories. ### Fetch Pages For each card, fetch the top issuer URL + 1 secondary with `WebFetch`. An approved secondary page means a URL whose hostname matches an approved secondary domain used by this skill, such as `thepointsguy.com` for card cross-checks. Do not fetch or cite secondary pages from any other domain. ### URL Safety Rules - Prefer `WebFetch` for page retrieval. Use `curl` only for the optional Brave Search API calls above, not for arbitrary result URLs. - Never execute a shell command that interpolates a raw URL taken directly from search results. - Only fetch URLs when all of the following are true: 1. scheme is `https` 2. hostname matches a supported issuer domain or an approved secondary domain from this skill 3. the URL is being passed to `WebFetch`, not inserted into a shell pipeline - If a result URL fails those checks, skip it and use the next valid result. ### Issuer Domains (for classifying results) | Issuer | Domain | |---|---| | American Express | americanexpress.com | | Bank of America | bankofamerica.com | | Barclays | cards.barclaycardus.com | | Bilt | bfrrewards.com | | Capital One | capitalone.com | | Chase | chase.com | | Citi | citi.com | | Discover | discover.com | | Robinhood | robinhood.com | | U.S. Bank | usbank.com | | Wells Fargo | wellsfargo.com | ## Grading Criteria ### MVP - Net cost ≤ $50, OR unique 3x+ earn category, OR unique high-value benefit (lounge, hotel status, primary travel insurance) - Best rate in at least one major spend category - Not rendered redundant by another card in wallet ### Keep - Partially justifying benefit or earn rate - Long credit history - Transferable points diversification - Under 12 months old ### Consider Dropping - Fees exceed claimable credits with no unique benefit - All categories duplicated at equal or better rate - No-fee downgrade path exists - **Never** grade Consider Dropping if the card is the sole source of a transferable-points program ### Unused Card Check After building the earning map, flag any card that does not appear as "Best Card" in any category and has an annual fee. ## Point Valuation: Transfer-Access Rule A currency is only worth full TPG value if the wallet has a card that unlocks transfers. Without one, value is 1.0¢ (cash back). | Currency | Transfer-enabling cards | Full value | |---|---|---| | Chase UR | Sapphire Preferred, Sapphire Reserve | ~2.0¢ | | Amex MR | Gold, Platinum, Green | ~2.0¢ | | Capital One Miles | Venture X, Venture | ~1.8¢ | | Citi TYP | Strata Premier, Strata Elite (NOT Custom Cash/Double Cash alone) | ~1.7¢ | | Bilt Points | Any Bilt card | ~1.8¢ | | World of Hyatt | Chase Hyatt card | ~1.8¢ | | Marriott Bonvoy | Any Marriott co-brand | ~0.7¢ | | Cash back | Any | 1.0¢ | ## Recommendation Logic Select 2–3 new **personal** cards only. Never recommend business cards. Priority order: 1. Fill highest-value spend gap 2. Add new transferable-points ecosystem 3. Maximize signup bonus window (Chase-first if 5/24 allows) 4. Avoid worsening overlap 5. Prioritize elevated offers 6. Diversify issuers 7. Churning value — favor cards with SUB ≥ 5x annual fee, no-fee downgrade paths, and reasonable bonus cooldown windows. Note churn path explicitly. ## Issuer Rules Reference | Issuer | Rule | Detail | |---|---|---| | Chase | 5/24 | <5 new personal cards (all issuers) in 24 months | | Chase | Same-day | Max 1 personal Chase app per day | | Chase | Bonus cooldown | 48 months since last bonus on same product | | Amex | Lifetime bonus | Once per lifetime per person per card | | Amex | 5-credit-card limit | Max 5 Amex credit cards (charge cards excluded) | | Amex | 1-in-5/2-in-90 | 1 app per 5 days, 2 per 90 days | | Citi | 8/65 | No 2 Citi cards in 8 days; max 2 in 65 days | | Citi | 48-month family | No bonus if same family opened/closed in 48 months | | Capital One | 2-card limit | Max 2 personal cards | | Capital One | 6-month cooling | Declines if new account in last 6 months | ## Required Output Sections ### `## 🃏 Cards Entered` Echo back every card with resolved full official name and opening date if provided. ### `## 📊 Portfolio Summary` Total cards, gross fees, claimable credits, net annual cost. Note credit utilization assumptions. ### `## 🏅 Card Grades` Each card graded MVP / Keep / Consider Dropping with one-line rationale. Always use full official card names. Sort MVP first, then Keep, then Consider Dropping. ### `## 🗺️ Earning Map` Table: Category, Best Card, Rate, Currency, CPP, Effective Value. Use full official card names. CPP reflects transfer-access rule. ### `## 🔻 Consider Dropping` Only when applicable. Per card: fee drag, what would be lost, downgrade path. Flag unused cards (not winning any earning map category). Omit entirely when all cards grade MVP or Keep. ### `## 🕳️ Portfolio Gaps` Numbered list of categories earning below 2x / 2%. ### `## ➕ Recommended Additions` 2–3 new cards. Per card: name, welcome offer, annual fee, why it fits, net first-year value, issuer rule status, priority label, churn path if applicable. ### `## 🎯 Signup Bonus Strategy` Ordered application sequence with timing and spend feasibility. ### `## ⚖️ Issuer Rules Check` Only rules relevant to recommended cards. Bold blocking rules. ### `## 🔍 Confidence Notes` Flag uncertain, unconfirmed, or conflicting claims. ### `## 🔗 Sources` Numbered list of URLs fetched, as markdown hyperlinks with "Site - Topic" labels. ## Output Rules - Use one emoji per section heading. - Always use full official card names (e.g., "Chase Sapphire Reserve" not "CSR"). - Use numbered lists for list-heavy sections. - Keep content to condensed facts — no prose padding. - Omit Card Identity section when all matches are confident. - Do not show YAML blocks in output. ## Confidence Definitions - **confirmed**: supported by issuer terms or multiple approved sources - **unconfirmed**: plausible but not fully resolved - **conflicting**: sources disagree on a material fact