Card Wallet

Audit a multi-card wallet — earning map, credit stack, overlaps, gaps, and total annual cost. Evaluates a user's full card lineup. Covers 11 major US issuers including co-branded hotel and airline cards.

Return a compact wallet audit for a set of cards the user holds.

When To Use

When the user asks to evaluate their card lineup, check for overlap, or optimize their wallet. Trigger phrases: "card-wallet", "wallet audit", "my cards", "do I have overlap", "which cards should I keep".

Input Format

The user provides a comma-separated list of card names:

• card-wallet Chase Sapphire Preferred, Amex Gold, Citi Double Cash

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 per card. If BRAVE_API_KEY is available and curl exists, you may use one Brave Search API call per card instead. Classify results as issuer or secondary by domain.
4. Fetch pages — fetch issuer and approved secondary pages before deciding whether more searches are needed.
5. Pace batch searches — when multiple cards require searches, serialize or batch them gently instead of firing a large burst.
6. Collect — for each card: annual fee, top earning categories, statement credits, key benefits.
7. Analyze — identify overlapping earn categories, uncovered categories, redundant benefits, total fee burden.
8. Confidence — flag uncertain 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 (Per Card)

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&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 cards require searches, 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.

Classify results by domain: issuer pages (use Issuer Domains table below) vs approved secondary sources. Optionally use 1 secondary source (prefer thepointsguy.com) for cross-checking.

Fetch Pages

For each card, fetch the top issuer URL from search results. Optionally fetch 1 secondary URL 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.

Run fetches in parallel. Search snippets alone miss detailed credit and rate info. Combine fetched page content + search snippets + training knowledge.

Issuer Domains (for classifying results, not constraining searches)

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

Required Output Sections

## 💰 Annual Cost

Total annual fees across all cards, listed per card.

## 📈 Earning Map

Table showing the best card for each major spend category (dining, travel, groceries, gas, streaming, other).

## 🏷️ Credits Stack

Statement credits, cash-back rebates, and complimentary subscriptions only — not enhanced earn rates or point multipliers. All credits across the wallet with total annual value.

## 🔁 Overlap

Numbered list of redundant earn categories or duplicate benefits.

## 🕳️ Gaps

Numbered list of common spend categories not covered at a bonus rate by any card.

## 📋 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 one emoji per section heading and numbered lists for overlap/gaps.
• 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 all 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. [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