Card Credits

SKILL.md

---
name: card-credits
description: Return statement credits and cash-like credits for one major-US credit card — amount, cadence, trigger rules, enrollment requirements, and restrictions. Covers 11 major US issuers including co-branded hotel and airline cards.
allowed-tools:
  - WebSearch
  - WebFetch
  - AskUserQuestion
metadata:
  openclaw:
    requires:
      optionalEnv:
        - BRAVE_API_KEY
      optionalBins:
        - curl
---

# Card Credits

Return the credits view of one exact card variant in compact format.

## What Counts as a Credit

A "credit" is a statement credit, cash-back rebate, or complimentary subscription with a concrete dollar value that directly offsets cost. Examples: "$300 travel credit," "$50 hotel credit," "complimentary DashPass membership ($120 value)."

**Not credits**: enhanced earning rates (e.g., "5x on Lyft"), bonus point multipliers, anniversary point bonuses, or any benefit that only increases points earned per dollar. Those belong in card-rate, not card-credits.

## When To Use

When the user asks about a card's statement credits, annual credits, or cash-back credits. Trigger phrases: "card-credits", "statement credits", "what credits", "annual credits", "perks".

## Workflow

1. **Resolve card identity** — normalize the input and match to one exact card variant.
2. **Search** — use `WebSearch` by default. If `BRAVE_API_KEY` is available and `curl` exists, you may use one Brave Search API call instead. Classify results as issuer or secondary by domain.
3. **Fetch pages** — use `WebFetch` by default to fetch the top issuer URL and top 1 secondary URL from results.
4. **Pace any follow-up searches** — if another search is needed, wait briefly instead of bursting requests.
5. **Compile** — combine fetched page content + search snippets + training knowledge.
6. **Confidence** — flag uncertain or conflicting claims.

## Step 1: Card Identity Resolution

Normalize the card name and resolve to an exact issuer + family + variant.

### Common Abbreviations

Only shorthands and ambiguous names need entries here. Cards with full, unambiguous names (e.g., "Chase Marriott Bonvoy Boundless", "Chase United Explorer", "American Express Hilton Honors Aspire") are resolved via search — no table entry needed.

| 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 |
| Amex Biz Gold | American Express Business Gold Card |
| Amex Biz Plat | American Express Business Platinum Card |
| Amex Blue Biz Plus | American Express Blue Business Plus Card |
| Amex Blue Biz Cash | American Express Blue Business Cash Card |
| Venture X | Capital One Venture X Rewards Credit Card |
| Venture X Business | Capital One Venture X Business Card |
| Savor | Capital One SavorOne / Savor (ambiguous — ask) |
| Spark Cash Plus | Capital One Spark Cash Plus |
| Spark Miles | Capital One Spark Miles |
| Double Cash | Citi Double Cash Card |
| Custom Cash | Citi Custom Cash Card |
| Ink Preferred | Chase Ink Business Preferred |
| Ink Cash | Chase Ink Business Cash |
| Ink Unlimited | Chase Ink Business Unlimited |
| Bilt | Bilt Blue / Obsidian / Palladium (ambiguous — ask) |
| Robinhood | Robinhood Gold Card / Cash Card (ambiguous — ask) |
| Aviator Red | Barclays AAdvantage Aviator Red World Elite Mastercard |
| Wyndham Rewards | Barclays Wyndham Rewards Earner Card / Plus / Business (ambiguous — ask) |
| Altitude Reserve | U.S. Bank Altitude Reserve Visa Infinite Card |
| Altitude Connect | U.S. Bank Altitude Connect Visa Signature Card |
| Altitude Go | U.S. Bank Altitude Go Visa Signature Card |
| Delta Gold | American Express Delta SkyMiles Gold Card |
| Delta Platinum | American Express Delta SkyMiles Platinum Card |
| Delta Reserve | American Express Delta SkyMiles Reserve Card |
| Delta Biz Gold | American Express Delta SkyMiles Gold Business Card |
| Delta Biz Plat | American Express Delta SkyMiles Platinum Business Card |
| Delta Biz Reserve | American Express Delta SkyMiles Reserve Business Card |

### Business vs Personal

Both personal and business credit cards are supported. If the user specifies "business" or "biz", resolve to the business variant. If a card name exists in both versions and the user does not specify, treat as ambiguous and ask.

### Ambiguity Rules

- If the input maps to 2+ plausible variants, return a **numbered choice list** and stop.
- If no match exists, return: "Could not match a card. Try including the full card name with issuer."

### 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+credits+benefits&count=10" \
  -H "X-Subscription-Token: $BRAVE_API_KEY"
```

Parse the JSON response — results are in `.web.results[]` with `.title`, `.url`, `.description` fields. Classify results by domain: issuer pages (use Issuer Domains table below) vs approved secondary sources. Use up to 1 secondary source (prefer thepointsguy.com, then bankrate.com) for credit trigger details.

### 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 one search.
- Fetch the issuer and approved secondary pages before deciding whether any additional search is needed.
- If an extra search is needed, wait about **2 to 5 seconds** first.
- If Brave returns **429**, wait about **8 to 15 seconds** and retry once.
- 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`.

## Step 3: Fetch Pages

Pick the top issuer URL and top 1 secondary URL from the search results. Fetch both in parallel with `WebFetch`.

An approved secondary page means a URL whose hostname matches the preferred secondary domains named in this skill. 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.

Search snippets are too shallow for credits — the full page has the complete credit list. Combine the fetched page content + search snippets + training knowledge.

## Required Output Sections

### `## 💳 Credits Overview`
Total annual credit value, number of distinct credits, general enrollment requirements.

### `## 🏷️ Credit Details`
Numbered list of each credit with amount, cadence (monthly/annual/semiannual), trigger (what purchase activates it), and restrictions.

### `## 📏 Usage Rules`
Enrollment requirements, expiration, stacking rules, clawback conditions.

### `## 📋 Confidence Notes`
Flag any detail that may have changed since training data.

### `## 🔗 Sources`
Numbered list of URLs fetched, as markdown hyperlinks with short "Site - Topic" labels.

## Output Rules

- Use one emoji per section heading and numbered lists
- When listing credits, fees, or any monetary amounts, sort from highest to lowest dollar value. for credits.
- Keep content to condensed facts — no prose padding.
- Omit the Card Identity section when the match is confident.
- Do not show YAML blocks in output.
- End every report with a `## 🔗 Sources` section listing each URL fetched during research as a markdown hyperlink with a short "Site - Topic" label, e.g. `[Chase - Sapphire Preferred](https://...)`.

## Confidence Definitions

- **confirmed**: supported by issuer terms or multiple approved sources
- **unconfirmed**: plausible but not fully resolved
- **conflicting**: sources disagree on a material fact