Card Compare

Side-by-side comparison of two major-US credit cards across fees, earning rates, credits, transfer partners, and key benefits. Covers 11 major US issuers inc...

Security Scan

The skill's requirements and runtime instructions are consistent with its stated purpose (web-based side‑by‑side credit-card comparisons), and it asks for no unexplained credentials or installs.

Purpose & Capability

Name/description (card comparison) align with the declared tools and optional envs. The skill only needs web search/fetch capabilities and optionally a Brave Search API key for faster searches; nothing requested appears unrelated to comparing credit cards.

Instruction Scope

SKILL.md limits runtime activity to parsing user input, running WebSearch/WebFetch, optionally calling Brave Search if BRAVE_API_KEY and curl are present, fetching issuer and approved secondary pages, and assembling a report. It explicitly disallows social/forum sources. The instructions do not ask to read local files, system credentials, or send data to unrelated endpoints.

Install Mechanism

No install spec or code files are provided (instruction-only), so nothing will be written to disk or installed by the skill itself.

Credentials

No required environment variables or credentials. BRAVE_API_KEY and curl are optional and their purpose (using Brave Search API) is clearly documented. No unrelated secrets or config paths are requested.

Persistence & Privilege

always is false and the skill does not request elevated or persistent privileges or modifications to other skills. Autonomous invocation is allowed (platform default) but this combines with no additional privileged access.

Assessment

This skill is instruction-only and appears coherent for comparing credit cards. Before enabling or providing optional values: (1) avoid supplying any secrets unless you trust the skill — BRAVE_API_KEY is optional and only used to call Brave Search; (2) remember the skill retrieves live web pages (WebFetch) so results depend on current issuer/secondary pages and may be out of date — verify key facts before acting on them; (3) the skill is allowed to run autonomously by default (normal behavior) but it does not request additional credentials or system access. If you plan to supply BRAVE_API_KEY or any credential, ensure you trust the skill owner because that key would be usable by the skill when present.

Return a compact side-by-side comparison of two exact card variants.

When To Use

When the user asks to compare two credit cards. Trigger phrases: "card-compare", "compare", "vs", "versus", "which is better", "[card A] or [card B]".

Input Format

The user provides two card names separated by "vs", "versus", "or", or a comma:

• card-compare Amex Gold vs Chase Sapphire Preferred
• card-compare CSR, Venture X

Workflow

1. Parse two card names from the input.
2. Resolve each card — normalize and match to exact variants. If either is ambiguous, return a numbered choice list for that card and stop.
3. Search — use the platform's WebSearch tool by default. If BRAVE_API_KEY is available and curl exists, you may use one Brave Search API call instead for faster results.
4. Fetch pages — use WebFetch by default to fetch issuer and approved secondary pages after the search completes.
5. Pace any follow-up searches — if another search is needed, wait briefly instead of bursting requests.
6. Compile — assemble side-by-side report.
7. Confidence — flag uncertain or conflicting claims.

Step 1: Card Identity Resolution

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

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:

curl -sS "https://api.search.brave.com/res/v1/web/search?q=CARD_A+vs+CARD_B+compare&count=20" \
  -H "X-Subscription-Token: $BRAVE_API_KEY"

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.

Source Policy

• Issuer-first: check both cards' official product pages before secondary sources.
• Max 5 secondary sources from: NerdWallet (preferred), The Points Guy (preferred), Doctor of Credit (preferred), One Mile at a Time (preferred), Bankrate (preferred), Upgraded Points.
• Disallowed: Reddit, Facebook, Instagram, TikTok, X, YouTube, referral links, user forums.

Step 4: Fetch Pages

Pick the issuer URL for each card and up to 2 secondary URLs (prefer nerdwallet.com and thepointsguy.com) from the search results. Fetch in parallel with WebFetch.

An approved secondary page means a URL whose hostname matches one of the approved 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 accurate comparisons — the actual pages have complete rate tables, credit lists, and benefit details.

Required Output Sections

## 💰 Fees

Two-column table: annual fee, foreign transaction fee, net after credits.

## 📈 Earning Rates

Two-column table: key categories with multipliers for each card.

## 🏷️ Credits

Two-column comparison of statement credits, cash-back rebates, and complimentary subscriptions only — not enhanced earn rates or point multipliers.

## 🔄 Transfer Partners

Two-column comparison of transfer programs and partner count.

## ✈️ Key Benefits

Two-column comparison of top travel/lifestyle benefits.

## 🏆 Bottom Line

Concise factual summary of which card wins in each major dimension — not a recommendation.

## 📋 Confidence Notes

Flag any uncertain, unconfirmed, or conflicting claims.

## 🔗 Sources

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

Output Rules

• Use two-column format (Card A | Card B) for comparison sections.
• Use one emoji per section heading.
• When listing credits, fees, or any monetary amounts, sort from highest to lowest dollar value.
• Keep content to condensed facts — no prose padding.
• Omit the Card Identity section when both matches are 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. [NerdWallet - CSR vs Amex Gold](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