| name | card-wallet |
| description | Audit a multi-card wallet — earning map, credit stack, overlaps, gaps, and total annual cost. Evaluates a user's full card lineup. Covers 11 major US issuers including co-branded hotel and airline cards. |
| allowed-tools | ["WebSearch","WebFetch","AskUserQuestion"] |
| metadata | {"openclaw":{"requires":{"optionalEnv":"[Truncated]","optionalBins":"[Truncated]"}}} |
Card Wallet
Return a compact wallet audit for a set of cards the user holds.
When To Use
When the user asks to evaluate their card lineup, check for overlap, or optimize their wallet. Trigger phrases: "card-wallet", "wallet audit", "my cards", "do I have overlap", "which cards should I keep".
Input Format
The user provides a comma-separated list of card names:
card-wallet Chase Sapphire Preferred, Amex Gold, Citi Double Cash
Workflow
- Parse card list from comma-separated input.
- Resolve each card — normalize and match to exact variants. If any card is ambiguous, return a numbered choice list for that card and stop.
- Search — use
WebSearch by default per card. If BRAVE_API_KEY is available and curl exists, you may use one Brave Search API call per card instead. Classify results as issuer or secondary by domain.
- Fetch pages — fetch issuer and approved secondary pages before deciding whether more searches are needed.
- Pace batch searches — when multiple cards require searches, serialize or batch them gently instead of firing a large burst.
- Collect — for each card: annual fee, top earning categories, statement credits, key benefits.
- Analyze — identify overlapping earn categories, uncovered categories, redundant benefits, total fee burden.
- Confidence — flag uncertain claims.
Step 1: Card Identity Resolution
Common Abbreviations
Only shorthands and ambiguous names need entries here. Cards with full, unambiguous names (e.g., "Chase Marriott Bonvoy Boundless", "Chase United Explorer", "American Express Hilton Honors Aspire") are resolved via search — no table entry needed.
| Input | Resolved |
|---|
| CSP | Chase Sapphire Preferred |
| CSR | Chase Sapphire Reserve |
| CFU | Chase Freedom Unlimited |
| CFF | Chase Freedom Flex |
| CIP | Chase Ink Business Preferred |
| CIC | Chase Ink Business Cash |
| CIU | Chase Ink Business Unlimited |
| Amex Gold | American Express Gold Card |
| Amex Plat | American Express Platinum Card |
| Amex Biz Gold | American Express Business Gold Card |
| Amex Biz Plat | American Express Business Platinum Card |
| Amex Blue Biz Plus | American Express Blue Business Plus Card |
| Amex Blue Biz Cash | American Express Blue Business Cash Card |
| Venture X | Capital One Venture X Rewards Credit Card |
| Venture X Business | Capital One Venture X Business Card |
| Savor | Capital One SavorOne / Savor (ambiguous — ask) |
| Spark Cash Plus | Capital One Spark Cash Plus |
| Spark Miles | Capital One Spark Miles |
| Double Cash | Citi Double Cash Card |
| Custom Cash | Citi Custom Cash Card |
| Ink Preferred | Chase Ink Business Preferred |
| Ink Cash | Chase Ink Business Cash |
| Ink Unlimited | Chase Ink Business Unlimited |
| Bilt | Bilt Blue / Obsidian / Palladium (ambiguous — ask) |
| Robinhood | Robinhood Gold Card / Cash Card (ambiguous — ask) |
| Aviator Red | Barclays AAdvantage Aviator Red World Elite Mastercard |
| Wyndham Rewards | Barclays Wyndham Rewards Earner Card / Plus / Business (ambiguous — ask) |
| Altitude Reserve | U.S. Bank Altitude Reserve Visa Infinite Card |
| Altitude Connect | U.S. Bank Altitude Connect Visa Signature Card |
| Altitude Go | U.S. Bank Altitude Go Visa Signature Card |
Supported Issuers
American Express, Bank of America, Barclays, Bilt, Capital One, Chase, Citi, Discover, Robinhood, U.S. Bank, Wells Fargo.
Step 2: Search (Per Card)
Use the platform's WebSearch and WebFetch tools by default. If BRAVE_API_KEY is available and the runtime also provides curl, you may use Brave Search API instead for faster and more repeatable search results.
Optional Brave template:
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"
Do not assume any search provider tolerates a large burst of parallel searches.
Search Budget Rule
Treat search as scarce and paced. Built-in web search is the default path; if Brave mode is used, it may rate-limit after only a few closely spaced requests.
- Start with the most important cards first.
- Fetch issuer and approved secondary pages before deciding whether more searches are needed.
- When multiple cards require searches, serialize them in small batches or add short waits of about 2 to 5 seconds between bursts.
- If Brave returns 429, wait about 8 to 15 seconds and retry once for the still-missing search.
- If Brave is unavailable, continue with
WebSearch + WebFetch.
- If it still fails, continue with the best evidence already gathered and note the limitation in
## 📋 Confidence Notes.
Classify results by domain: issuer pages (use Issuer Domains table below) vs approved secondary sources. Optionally use 1 secondary source (prefer thepointsguy.com) for cross-checking.
Fetch Pages
For each card, fetch the top issuer URL from search results. Optionally fetch 1 secondary URL with WebFetch.
An approved secondary page means a URL whose hostname matches the preferred secondary domains named in this skill. Do not fetch or cite secondary pages from any other domain.
URL Safety Rules
- Prefer
WebFetch for page retrieval. Use curl only for the optional Brave Search API calls above, not for arbitrary result URLs.
- Never execute a shell command that interpolates a raw URL taken directly from search results.
- Only fetch URLs when all of the following are true:
- scheme is
https
- hostname matches a supported issuer domain or an approved secondary domain from this skill
- the URL is being passed to
WebFetch, not inserted into a shell pipeline
- If a result URL fails those checks, skip it and use the next valid result.
Run fetches in parallel. Search snippets alone miss detailed credit and rate info. Combine fetched page content + search snippets + training knowledge.
Issuer Domains (for classifying results, not constraining searches)
| Issuer | Domain |
|---|
| American Express | americanexpress.com |
| Bank of America | bankofamerica.com |
| Barclays | cards.barclaycardus.com |
| Bilt | bfrrewards.com |
| Capital One | capitalone.com |
| Chase | chase.com |
| Citi | citi.com |
| Discover | discover.com |
| Robinhood | robinhood.com |
| U.S. Bank | usbank.com |
| Wells Fargo | wellsfargo.com |
Required Output Sections
## 💰 Annual Cost
Total annual fees across all cards, listed per card.
## 📈 Earning Map
Table showing the best card for each major spend category (dining, travel, groceries, gas, streaming, other).
## 🏷️ Credits Stack
Statement credits, cash-back rebates, and complimentary subscriptions only — not enhanced earn rates or point multipliers. All credits across the wallet with total annual value.
## 🔁 Overlap
Numbered list of redundant earn categories or duplicate benefits.
## 🕳️ Gaps
Numbered list of common spend categories not covered at a bonus rate by any card.
## 📋 Confidence Notes
Flag any uncertain, unconfirmed, or conflicting claims.
## 🔗 Sources
Numbered list of URLs fetched, as markdown hyperlinks with short "Site - Topic" labels.
Output Rules
- Use one emoji per section heading and numbered lists for overlap/gaps.
- When listing credits, fees, or any monetary amounts, sort from highest to lowest dollar value.
- Keep content to condensed facts — no prose padding.
- Omit the Card Identity section when all matches are confident.
- Do not show YAML blocks in output.
- End every report with a
## 🔗 Sources section listing each URL fetched during research as a markdown hyperlink with a short "Site - Topic" label, e.g. [Chase - Sapphire Preferred](https://...).
Confidence Definitions
- confirmed: supported by issuer terms or multiple approved sources
- unconfirmed: plausible but not fully resolved
- conflicting: sources disagree on a material fact
