القائمة
Evaluate current credit card sign-up bonuses against historical highs. Apply/wait/skip verdict per card. Checks live sources and flags elevated offers before they expire.
التثبيت باستخدام Codex أو Claude انسخ هذا Prompt والصقه في Codex أو Claude أو مساعد آخر ليراجع صفحة Skill ويثبّتها لك.
استنادا إلى تصنيف SOC المهني
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| name | bonus-radar |
| description | Evaluate current credit card sign-up bonuses against historical highs. Apply/wait/skip verdict per card. Checks live sources and flags elevated offers before they expire. |
Know whether a bonus is historically elevated or not worth the inquiry. Prevents applying during a low offer and missing a 2× higher bonus three months later.
| Source | What it tracks |
|---|---|
| Doctor of Credit | Best current public offers, updated daily |
| CardMatch | Targeted elevated offers (Amex especially) — check with your email |
| Issuer websites | Official current public offer |
| r/churning wiki | Historical data points, data points on targeted offers |
| Card | Normal Offer | Historical High | Notes |
|---|---|---|---|
| Amex Platinum | 80k MR | 175k MR | Targeted via CardMatch; 150k seen publicly |
| Amex Gold | 60k MR | 90k MR | Public elevated offers appear 2–3× per year |
| Amex Green | 40k MR | 60k MR | Less volatile |
| Chase Sapphire Preferred | 60k UR | 100k UR | Elevated offers tied to promotions |
| Chase Sapphire Reserve | 60k UR | 100k UR | Elevated rare; 75k more common |
| Chase Ink Business Preferred | 100k UR | 120k UR | Business card |
| Chase Ink Business Cash | $750 | $900 | Cash back, not points |
| Capital One Venture X | 75k miles | 100k miles | Elevated appears periodically |
| Citi Strata Premier | 75k TY | 100k TY | Watch for seasonal bumps |
| Citi AA Executive | 70k miles | 100k miles | Targeted offers higher |
| Bilt Mastercard | transfer bonus events | 1:1.25 transfer promos | No SUB — watch transfer bonuses instead |
| Hyatt | 30k points | 60k points | Elevated rare; high-value due to Hyatt CPP |
| Marriott Bonvoy Bevy | 85k | 125k | Watch for elevated |
| IHG Premier | 140k | 175k | Periodically elevated |
{
"$schema": "https://json-schema.org/draft/2020-12",
"title": "Bonus Radar Report",
"purpose": "Evaluate one or more cards for current vs. historical bonus levels. Return a verdict per card and a ranked list of what to apply for now.",
"constraints": [
"Always fetch live data from Doctor of Credit before scoring — never rely on memory alone",
"Check CardMatch for targeted Amex and Citi offers before concluding a bonus is at normal level",
"verdict must be one of: apply_now, wait, skip",
"apply_now only when current offer is within 20% of historical high OR historically elevated offers are rare for this card",
"Flag any offer expiring within 14 days as urgent"
],
"required": ["evaluated_at_url", "cards", "top_picks"],
"properties": {
"evaluated_at_url": {
"type": "string",
"description": "URL checked for current offers (DoC or issuer page)"
},
"cards": {
"type": "array",
"items": {
"required": ["card", "current_offer", "historical_high", "verdict", "rationale"],
"properties": {
"card": { "type": "string" },
"current_offer": { "type": "string" },
"historical_high": { "type": "string" },
"verdict": { "enum": ["apply_now", "wait", "skip"] },
"rationale": { "type": "string" },
"expires": { "type": ["string", "null"], "description": "Known expiry date if announced" },
"targeted_note": { "type": ["string", "null"], "description": "If a higher targeted offer may exist via CardMatch" }
}
}
},
"top_picks": {
"type": "array",
"description": "Ranked apply_now cards, highest expected value first",
"items": { "type": "string" }
}
}
}