| name | card-wallet |
| description | Audit a multi-card wallet for overlap, gaps, and total annual cost. Given a list of cards the user holds, identifies redundant benefits, uncovered spend categories, and net fee burden. Use when the user wants to evaluate their full card lineup. |
| argument-hint | [card1], [card2], ... |
| disable-model-invocation | true |
| allowed-tools | Read, Bash(curl -sS *) |
Card Wallet
Goal
Return a compact wallet audit for a set of cards the user holds.
Input Format
The user provides a comma-separated list of card names:
/card-wallet Chase Sapphire Preferred, Amex Gold, Citi Double Cash
Search Strategy: knowledge-first
Use training knowledge plus one issuer page fetch per card. Do NOT search secondary sources. Do NOT spawn a subagent — answer directly.
Workflow
- Parse the card list from the input (comma-separated).
- Resolve each card using ../card-identity/SKILL.md. If any card is ambiguous, return a numbered choice list for that card and stop.
- For each card, run one Brave Search API call (see
search_method in ../card-shared/source-policy.yaml):
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"
If $BRAVE_API_KEY is not set, fall back to WebSearch. Run all calls in parallel. Supplement with training knowledge.
- Fetch pages — for each card, fetch the top issuer URL from search results. Optionally fetch 1 secondary URL (prefer thepointsguy.com) for cross-checking:
curl -sS -L "URL" | sed 's/<[^>]*>//g' | tr -s '\n' | head -200
Run fetches in parallel. Search snippets alone miss detailed credit and rate info.
- For each card, collect: annual fee, top earning categories, statement credits, and key benefits.
- Identify: overlapping earning categories (where two cards cover the same spend at different rates), uncovered spend categories (common categories not covered at a bonus rate by any card), redundant benefits (same benefit on multiple cards), and total annual fee burden.
- Apply confidence handling from ../card-shared/confidence-rules.md.
- Return compact markdown using the
card-wallet contract in ../card-shared/command-contracts.yaml.
- YAML is internal only — do not include it in user-facing output.
- Do not show a "Why It Matters" section.
Required Sections
## 💰 Annual Cost## 📈 Earning Map## 🏷️ Credits Stack — statement credits and complimentary subscriptions only; not enhanced earn rates or point multipliers## 🔁 Overlap## 🕳️ Gaps## 📋 Confidence Notes## 🔗 Sources — numbered list of URLs fetched, as markdown hyperlinks with short "Site - Topic" labels, e.g. [Chase - Sapphire Preferred](https://...)
Omit ## Card Identity when all matches are confident. The Earning Map should show the best card for each major spend category. Overlap and Gaps should be concise numbered lists.
