fleece

name	fleece
description	Credit card research and redemption CLI. Looks up rewards rates, annual fees, welcome bonuses, statement credits, transfer partners, point valuations, application rules, lounge access, and travel protections for Chase, Amex, Citi, Capital One, Bilt, and all major US issuers. Compare cards, analyze wallet gaps, estimate ROI, get recommendations, look up merchant category codes, and search award flights and hotels. Install with pip install fleece-cli.
metadata	{"author":"chenyuan99","version":"1.6.0"}

Fleece — Credit Card Research & Redemption

Use this skill when the user asks about:

• Specific cards: "What are the Amex Gold benefits?", "Is the Chase Sapphire Preferred worth it?", "What changed with the Citi Double Cash?"
• Earning rates: "Which card earns the most on dining?", "What's the best card for groceries?"
• Transfer partners: "Where can I transfer Chase Ultimate Rewards?", "What airlines does Amex transfer to?", "Do Bilt points transfer to Hyatt?"
• Point valuations: "How much are Chase UR points worth?", "Best way to redeem Amex MR?", "What CPP can I get from Hyatt?", "Is it worth transferring to Flying Blue?"
• Application rules: "What is Chase 5/24?", "Can I get the Sapphire bonus again?", "Am I eligible for the Amex Gold offer?", "How long before I can apply for Citi again?", "Does the Amex once-per-lifetime rule apply here?"
• Lounge access: "Which cards get me into Centurion Lounges?", "Does Venture X include Priority Pass?", "Best card for airport lounge access?", "Can I bring guests to Chase Sapphire Lounges?"
• Travel protections: "Does Sapphire Reserve cover rental cars?", "What trip delay coverage does Amex Platinum have?", "Which card has the best travel insurance?", "Does Freedom Flex have cell phone protection?"
• Statement credits: "How do I use the Amex Gold dining credit?", "What credits does the Venture X have?"
• Wallet optimization: "Which card should I use for travel?", "What gaps does my wallet have?"
• Card recommendations: "Best travel credit card for beginners", "No annual fee cash back card"
• ROI / value: "Is the Amex Platinum worth the $695 fee?", "First-year value of the Sapphire Preferred"
• Award redemptions: "Find business class flights JFK to Tokyo", "Search hotels in Paris with points"
• Merchant lookup: "What card should I use at Costco?", "Which card earns the most at gas stations?", "What MCC is a pharmacy?"
• Spending profile: "Set up my profile", "Save my spending habits", "Remember I spend $600/month on dining", "My preferred airline is United MileagePlus"

Live US credit card data via Brave Search. All commands output JSON for programmatic use.

Spending profile

The user's spending profile is stored in fleece.db and automatically injected into fleece wallet, fleece roi, and fleece recommend. Set it up once and research commands become personalised.

# Set profile fields (no API key needed)
fleece profile set dining_monthly 600
fleece profile set travel_monthly 300
fleece profile set groceries_monthly 400
fleece profile set annual_fee_tolerance 550
fleece profile set home_airport JFK
fleece profile set goal "business class to Tokyo 2027"
fleece profile set points_programs "Amex MR, Chase UR"

# View current profile
fleece profile show --json

# List all available fields
fleece profile fields

Once set, spend values are pulled automatically:

# No need to pass --dining or --travel flags
fleece roi "Amex Gold"
fleece recommend "travel rewards"

MCC-enriched workflow

The bundled MCC dataset (981 codes, offline) enables a precise end-to-end flow:

fleece wallet            → coverage map, overlaps, gaps, next-card suggestions
fleece mcc 5411          → confirm "Grocery Stores, Supermarkets"
fleece mcc 5411 --wallet → find best card for that exact merchant type
fleece recommend "grocery stores, gas, transit"  → suggest a card to fill the gap

Common MCCs to know:

MCC	Category	Typical card bonus
5411	Grocery Stores	Amex Gold 4x, BofA Cash Rewards 3%
5812	Restaurants	Amex Gold 4x, CSP 3x
5814	Fast Food	Varies — not always same as 5812
5541	Gas Stations	Citi Custom Cash 5x, BofA 3%
4511	Airlines	Amex Platinum 5x, CSR 3x
7011	Hotels	Amex Platinum 5x (Amex Travel), CSR 3x
4111	Transit / Commuter	CSR 3x, Bilt 3x
5912	Drugstores	Chase Freedom Flex 3x

Use fleece mcc <code> (no API key needed) to resolve any MCC before running a rates or wallet query.

Prerequisites

# Install once
pip install fleece-cli

# Set in environment or .env file
export BRAVE_API_KEY=<your_key>

Commands

Full card report

fleece card "<card name>" --json

Returns fees, welcome offer, earning rates, credits, benefits, and strategy.

Earning rates

fleece rates "<card name>" --json
fleece rates "<card name>" --category "<dining|travel|groceries|gas>" --json

Transfer partners

fleece partners "<card name>" --json

Returns airline and hotel partners with ratios and transfer timing.

Statement credits

fleece credits "<card name>" --json

Returns all credits with amounts, cadence, and enrollment requirements.

Recent news (past month)

fleece news "<card name>" --json

Freshness-filtered to the past month.

Side-by-side comparison

fleece compare "<card A>" "<card B>" --json
fleece compare "<card A>" "<card B>" --aspects "fees,rewards,credits" --json

Portfolio / wallet analysis

fleece wallet --json

Fetches live earning-rate data for every card in the local wallet DB, then returns structured research for computing a coverage map. Requires BRAVE_API_KEY.

JSON output:

{
  "command": "wallet",
  "cards": ["Amex Gold", "Chase Sapphire Preferred"],
  "research": {
    "Amex Gold": "<snippet>",
    "Chase Sapphire Preferred": "<snippet>"
  },
  "profile": "dining $500/mo, travel $300/mo ...",
  "analysis_prompt": "Using the research above, compute: 1. Category coverage map ...",
  "ok": true,
  "error": null
}

Manage the wallet with the cards subcommand (no API key needed):

fleece cards list                              # list saved cards with annual fees
fleece cards add "Chase Sapphire Preferred" --fee "$95"
fleece cards remove "Amex Gold"

First-year ROI

fleece roi "<card name>" --travel <monthly $> --dining <monthly $> --other <monthly $> --json

Profile-based recommendations

fleece recommend "<spending profile>" --json
fleece recommend "<spending profile>" --preferences "<preferences>" --json

Output format

Every command with --json returns:

{
  "command": "card",
  "query": "...",
  "result": "...",
  "ok": true,
  "error": null
}

On error, ok is false and error contains the message. Always check ok before using result.

Exit codes

Code	Meaning
0	Success
1	Search / tool error (Brave API failure)
2	BRAVE_API_KEY not set

Stdin piping

The primary argument on any single-card command accepts - to read from stdin:

echo "Chase Sapphire Preferred" | fleece card - --json
echo "high dining spend" | fleece recommend - --json

Coverage

Supports all major US issuers: Amex, Bank of America, Barclays, Bilt, Capital One, Chase, Citi, Discover, Robinhood, U.S. Bank, Wells Fargo.

Redemption — PointsYeah URL generation

No API key required. These commands generate best-effort PointsYeah deep-link URLs and optionally open them in the browser. Pure stdlib, no external calls.

Flight search

fleece flights JFK LAX --date 2026-06-01 --json
fleece flights JFK LHR --date 2026-06-01 --return 2026-06-15 --adults 2 --cabin business --open

Options: --date (required), --return, --adults (default 1), --cabin (economy | premium-economy | business | first), --open, --json

Hotel search

fleece hotels "Tokyo" --checkin 2026-06-01 --checkout 2026-06-07 --json
fleece hotels "Jersey City" --checkin 2026-04-10 --checkout 2026-04-12 --guests 2 --rooms 1 --open

Options: --checkin (required), --checkout (required), --guests (default 1), --rooms (default 1), --open, --json

JSON output format

{
  "command": "flights",
  "origin": "JFK", "destination": "LAX", "date": "2026-06-01",
  "return_date": null, "adults": 1, "cabin": "economy",
  "url": "https://www.pointsyeah.com/?type=flights&...",
  "ok": true, "error": null
}

PointsYeah does not publish a stable deep-link spec. If the URL stops working, the query parameters still serve as a useful manual search reference.