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

1. Parse the card list from the input (comma-separated).
2. Resolve each card using ../card-identity/SKILL.md. If any card is ambiguous, return a numbered choice list for that card and stop.
3. 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.

1. 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.

1. For each card, collect: annual fee, top earning categories, statement credits, and key benefits.
2. 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.
3. Apply confidence handling from ../card-shared/confidence-rules.md.
4. Return compact markdown using the card-wallet contract in ../card-shared/command-contracts.yaml.
5. YAML is internal only — do not include it in user-facing output.
6. 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.