القائمة
Given a spend profile and travel goals, design the optimal 2-3 card stack — which cards to hold, which category each card wins, and whether the annual fees justify the benefits.
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
| name | credit-card-stack |
| description | Given a spend profile and travel goals, design the optimal 2-3 card stack — which cards to hold, which category each card wins, and whether the annual fees justify the benefits. |
Most people are leaving 1–2% on the table by putting everything on one card. The right stack is 2-3 cards that cover all major spend categories, justified by annual fee math.
{
"$schema": "https://json-schema.org/draft/2020-12",
"title": "Credit Card Stack",
"purpose": "Design an optimal credit card stack for a given spend profile and travel goal. Show which card wins each category, estimate annual value, and prove the annual fees are justified.",
"constraints": [
"Stack should be 2-4 cards maximum — complexity kills compliance",
"Annual fee math must be explicit: benefits_value - annual_fees = net_value",
"Flag 5/24 status if Chase cards are recommended (Chase rejects if 5+ new cards in 24 months)",
"Flag if user mentioned existing cards that conflict (e.g. already has Sapphire Preferred → recommend Reserve upgrade path or vice versa)",
"Include a 'day one' action: what to apply for first and why"
],
"required": ["spend_profile", "travel_goal", "stack", "annual_fee_math", "day_one"],
"properties": {
"spend_profile": { "type": "object", "description": "Category → annual spend in dollars" },
"travel_goal": { "type": "string" },
"stack": {
"type": "array",
"items": {
"required": ["card", "annual_fee", "wins_categories", "key_benefits", "estimated_annual_value"],
"properties": {
"card": { "type": "string" },
"annual_fee": { "type": "integer" },
"wins_categories": { "type": "array", "items": { "type": "string" } },
"key_benefits": { "type": "array", "items": { "type": "string" } },
"estimated_annual_value": { "type": "integer", "description": "Dollars of value: points + credits + perks" },
"signup_bonus": { "type": ["string", "null"] }
}
}
},
"annual_fee_math": {
"type": "object",
"required": ["total_fees", "total_value", "net_value"],
"properties": {
"total_fees": { "type": "integer" },
"total_value": { "type": "integer" },
"net_value": { "type": "integer" }
}
},
"day_one": { "type": "string", "description": "First card to apply for and why" },
"warnings": { "type": "array", "items": { "type": "string" } }
}
}
The MR Maximizer (Amex-heavy, high spend)
The UR Engine (Chase-heavy, flexibility)
The Hybrid (best of both, complex but powerful)
The Lean Stack (2 cards, low complexity)
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