| name | card-credits |
| description | Return statement credits and cash-like credits for one major-US credit card, including trigger rules, cadence, enrollment requirements, restrictions, and practical usage notes. Use when the user wants the credits picture only. |
| argument-hint | ["card name"] |
| disable-model-invocation | true |
| allowed-tools | Read, Bash(curl -sS *) |
Card Credits
Goal
Return the credits view of one exact card variant in compact format.
What Counts as a Credit
A "credit" is a statement credit, cash-back rebate, or complimentary subscription with a concrete dollar value that directly offsets cost. Examples: "$300 travel credit," "$50 hotel credit," "complimentary DashPass membership ($120 value)."
Not credits: enhanced earning rates (e.g., "5x on Lyft"), bonus point multipliers, anniversary point bonuses, or any benefit that only increases points earned per dollar. Those belong in card-rate, not card-credits.
Search Strategy: knowledge-first
Use training knowledge plus one issuer page fetch + one secondary source for credit trigger details. Do NOT spawn a subagent — answer directly.
Workflow
- Resolve the card using ../card-identity/SKILL.md. If ambiguous, return a numbered choice list and stop.
- 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+credits+benefits&count=10" -H "X-Subscription-Token: $BRAVE_API_KEY"
If $BRAVE_API_KEY is not set, fall back to WebSearch.
- Fetch pages — pick the top issuer URL and top 1 secondary URL (prefer thepointsguy.com, then bankrate.com) from the search results. Fetch both in parallel:
curl -sS -L "URL" | sed 's/<[^>]*>//g' | tr -s '\n' | head -200
Search snippets are too shallow for credits — the full page has the complete credit list.
- Combine the fetched page content + search snippets + training knowledge to fill all required sections.
- Follow ../card-shared/confidence-rules.md. Flag any detail that may have changed since training data.
- Return compact markdown using the
card-credits 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
## 💳 Credits Overview## 🏷️ Credit Details## 📏 Usage Rules## 📋 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 the match is confident. Use a numbered list for credits with amount, cadence, trigger, and restriction in one compact line per item.
