card-rate

name	card-rate
description	Return earning rates, caps, exclusions, activation requirements, and merchant-coding caveats for one major-US credit card. Use when the user wants the earn-side details only.
argument-hint	["card name"]
disable-model-invocation	true
allowed-tools	Read, Bash(curl -sS *)

Card Rate

Goal

Return the earning-structure view of one exact card variant in compact format.

Search Strategy: knowledge-first

Use training knowledge plus one issuer page fetch + one secondary source for merchant-coding caveats. Do NOT spawn a subagent — answer directly.

Workflow

1. Resolve the card using ../card-identity/SKILL.md. If ambiguous, return a numbered choice list and stop.
2. 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+earning+rates+categories&count=10" -H "X-Subscription-Token: $BRAVE_API_KEY"
   

   If $BRAVE_API_KEY is not set, fall back to WebSearch.
3. Fetch pages — pick the top issuer URL and top 1 secondary URL (prefer bankrate.com, then thepointsguy.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 earning details — the full page has complete rate tables and caps.
4. Combine the fetched page content + search snippets + training knowledge to fill all required sections.
5. Follow ../card-shared/confidence-rules.md. Flag any detail that may have changed since training data.
6. Return compact markdown using the card-rate contract in ../card-shared/command-contracts.yaml.
7. YAML is internal only — do not include it in user-facing output.
8. Do not show a "Why It Matters" section.

Required Sections

• ## 📊 Rate Summary
• ## 📈 Earning Categories
• ## 🚫 Caps And Exclusions
• ## 📋 Confidence Notes
• ## 🔗 Sources

Omit ## Card Identity when the match is confident. Use short category lines and a compact exclusions/caps block.