{"id":"8ac1f93a-2021-4ec7-b6a2-9ac74b14beba","entityType":"agent","slug":"clawhub-jiahongc-card-wallet","name":"Card Wallet","canonicalUrl":"https://www.xpersona.co/agent/clawhub-jiahongc-card-wallet","canonicalPath":"/agent/clawhub-jiahongc-card-wallet","generatedAt":"2026-10-11T21:57:45.245Z","source":"CLAWHUB","claimStatus":"UNCLAIMED","verificationTier":"NONE","summary":{"evidence":{"source":"editorial-content","verified":true,"confidence":"high","updatedAt":"2026-10-11T19:07:57.457Z","emptyReason":null},"description":"Audit a multi-card wallet for overlap and gaps Skill: Card Wallet Owner: jiahongc Summary: Audit a multi-card wallet for overlap and gaps Tags: latest:1.0.1 Version history: v1.0.1 | 2026-08-09T17:25:54.657Z | user Bounded issuer-first research, shared discovery, and regression budget checks. v1.0.0 | 2026-04-15T13:24:25.036Z | user Initial publish Archive index: Archive v1.0.1: 4 files, 2540 bytes Files: agents/openai.yaml (216b), skill-card.md (1768b), SKILL.md","descriptionLabel":"Technical summary","evidenceSummary":"Capability contract not published. 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Given a list of cards the user holds, identifies redundant benefits, uncovered spend categories, and net fee burden. Use when the user wants to evaluate their full card lineup.\n---\n\n# Card Wallet\n\nReturn a compact wallet audit for a set of cards the user holds.\n\n## Input\n\nAccept a comma-separated list of cards.\n\n## Workflow\n\n1. Resolve every card with [../card-identity/SKILL.md](../card-identity/SKILL.md). If any card is ambiguous, stop and ask only for that clarification.\n2. Follow the `card-wallet` strategy in [../card-shared/source-policy.yaml](../card-shared/source-policy.yaml).\n3. Research each card for annual fee, key earning categories, credits, and notable benefits using `WebFetch` and the URL-safety rules in [../card-shared/source-policy.yaml](../card-shared/source-policy.yaml).\n4. Build an earning map across common categories: dining, groceries, gas, travel, streaming, transit, drugstore, online shopping, rent, hotel, airline, and general spend.\n5. Identify overlap, uncovered categories, redundant benefits, and total annual fee drag.\n6. Fill the `card-wallet` contract in [../card-shared/command-contracts.yaml](../card-shared/command-contracts.yaml).\n7. Apply [../card-shared/confidence-rules.md](../card-shared/confidence-rules.md) and [../card-shared/normalization-rules.md](../card-shared/normalization-rules.md). Keep `sources` in hidden YAML only.\n\n## Required Sections\n\n- `## 💰 Annual Cost`\n- `## 📈 Earning Map`\n- `## 🏷️ Credits Stack`\n- `## 🔁 Overlap`\n- `## 🕳️ Gaps`\n- `## 📋 Confidence Notes`\n\nOnly include statement credits and subscription offsets in the credits stack. Do not treat point multipliers as credits.\n\nFile v1.0.1:_meta.json\n\n{\n  \"ownerId\": \"kn77nawvqcsq8chqypwjmesk0982remh\",\n  \"slug\": \"card-wallet\",\n  \"version\": \"1.0.1\",\n  \"publishedAt\": 1786296354657\n}\n\nFile v1.0.1:skill-card.md\n\n## Description:\n\nAudit a multi-card wallet for overlap, gaps, and total annual cost.\n\nThis skill is ready for commercial/non-commercial use.\n\n## Publisher:\n\n[jiahongc](https://clawhub.ai/user/jiahongc)\n\n### License/Terms of Use:\n\nMIT-0\n\n## Use Case:\n\nExternal users and agents use this skill to evaluate a set of credit cards for annual fee burden, reward-category coverage, redundant benefits, and gaps in the wallet.\n\n### Deployment Geography for Use:\n\nGlobal\n\n## Known Risks and Mitigations:\n\nRisk: Users may provide unnecessary sensitive financial details while asking for a wallet audit.\n\nMitigation: Provide only card names unless a more personalized analysis is deliberately requested; do not provide banking logins, account numbers, or statements.\n\nRisk: Credit-card fees, benefits, credits, and earning categories can change, making stale public information misleading.\n\nMitigation: Research current public card information, include confidence notes, and avoid treating point multipliers as statement credits.\n\n## Reference(s):\n\n- [Card Wallet skill page](https://clawhub.ai/jiahongc/skills/card-wallet)\n\n## Skill Output:\n\n**Output Type(s):** [Markdown, Analysis, Guidance]\n\n**Output Format:** [Markdown wallet audit with annual cost, earning map, credits stack, overlap, gaps, and confidence notes]\n\n**Output Parameters:** [1D]\n\n**Other Properties Related to Output:** [Uses hidden YAML for sources when following the skill contract.]\n\n## Skill Version(s):\n\n1.0.1 (source: release evidence)\n\n## Ethical Considerations:\n\nUsers should evaluate whether this skill is appropriate for their environment, review any generated or modified files before relying on them, and apply their organization's safety, security, and compliance requirements before deployment.\n\nFile v1.0.1:agents/openai.yaml\n\ninterface:\n  display_name: \"Card Wallet\"\n  short_description: \"Audit a multi-card wallet for overlap and gaps\"\n  default_prompt: \"Use $card-wallet to audit Chase Sapphire Preferred, Amex Gold, and Citi Double Cash.\"\n\nArchive v1.0.0: 3 files, 5099 bytes\n\nFiles: skill-card.md (1945b), SKILL.md (8832b), _meta.json (130b)\n\nFile v1.0.0:SKILL.md\n\n---\nname: card-wallet\ndescription: 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.\nallowed-tools:\n  - WebSearch\n  - WebFetch\n  - AskUserQuestion\nmetadata:\n  openclaw:\n    requires:\n      optionalEnv:\n        - BRAVE_API_KEY\n      optionalBins:\n        - curl\n---\n\n# Card Wallet\n\nReturn a compact wallet audit for a set of cards the user holds.\n\n## When To Use\n\nWhen 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\".\n\n## Input Format\n\nThe user provides a comma-separated list of card names:\n- `card-wallet Chase Sapphire Preferred, Amex Gold, Citi Double Cash`\n\n## Workflow\n\n1. **Parse card list** from comma-separated input.\n2. **Resolve each card** — normalize and match to exact variants. If any card is ambiguous, return a numbered choice list for that card and stop.\n3. **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.\n4. **Fetch pages** — fetch issuer and approved secondary pages before deciding whether more searches are needed.\n5. **Pace batch searches** — when multiple cards require searches, serialize or batch them gently instead of firing a large burst.\n6. **Collect** — for each card: annual fee, top earning categories, statement credits, key benefits.\n7. **Analyze** — identify overlapping earn categories, uncovered categories, redundant benefits, total fee burden.\n8. **Confidence** — flag uncertain claims.\n\n## Step 1: Card Identity Resolution\n\n### Common Abbreviations\n\nOnly 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.\n\n| Input | Resolved |\n|---|---|\n| CSP | Chase Sapphire Preferred |\n| CSR | Chase Sapphire Reserve |\n| CFU | Chase Freedom Unlimited |\n| CFF | Chase Freedom Flex |\n| CIP | Chase Ink Business Preferred |\n| CIC | Chase Ink Business Cash |\n| CIU | Chase Ink Business Unlimited |\n| Amex Gold | American Express Gold Card |\n| Amex Plat | American Express Platinum Card |\n| Amex Biz Gold | American Express Business Gold Card |\n| Amex Biz Plat | American Express Business Platinum Card |\n| Amex Blue Biz Plus | American Express Blue Business Plus Card |\n| Amex Blue Biz Cash | American Express Blue Business Cash Card |\n| Venture X | Capital One Venture X Rewards Credit Card |\n| Venture X Business | Capital One Venture X Business Card |\n| Savor | Capital One SavorOne / Savor (ambiguous — ask) |\n| Spark Cash Plus | Capital One Spark Cash Plus |\n| Spark Miles | Capital One Spark Miles |\n| Double Cash | Citi Double Cash Card |\n| Custom Cash | Citi Custom Cash Card |\n| Ink Preferred | Chase Ink Business Preferred |\n| Ink Cash | Chase Ink Business Cash |\n| Ink Unlimited | Chase Ink Business Unlimited |\n| Bilt | Bilt Blue / Obsidian / Palladium (ambiguous — ask) |\n| Robinhood | Robinhood Gold Card / Cash Card (ambiguous — ask) |\n| Aviator Red | Barclays AAdvantage Aviator Red World Elite Mastercard |\n| Wyndham Rewards | Barclays Wyndham Rewards Earner Card / Plus / Business (ambiguous — ask) |\n| Altitude Reserve | U.S. Bank Altitude Reserve Visa Infinite Card |\n| Altitude Connect | U.S. Bank Altitude Connect Visa Signature Card |\n| Altitude Go | U.S. Bank Altitude Go Visa Signature Card |\n| Delta Gold | American Express Delta SkyMiles Gold Card |\n| Delta Platinum | American Express Delta SkyMiles Platinum Card |\n| Delta Reserve | American Express Delta SkyMiles Reserve Card |\n| Delta Biz Gold | American Express Delta SkyMiles Gold Business Card |\n| Delta Biz Plat | American Express Delta SkyMiles Platinum Business Card |\n| Delta Biz Reserve | American Express Delta SkyMiles Reserve Business Card |\n\n### Supported Issuers\n\nAmerican Express, Bank of America, Barclays, Bilt, Capital One, Chase, Citi, Discover, Robinhood, U.S. Bank, Wells Fargo.\n\n## Step 2: Search (Per Card)\n\nUse 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.\n\nOptional Brave template:\n\n```bash\ncurl -sS \"https://api.search.brave.com/res/v1/web/search?q=CARD+NAME+benefits+credits&count=10\" \\\n  -H \"X-Subscription-Token: $BRAVE_API_KEY\"\n```\n\nDo not assume any search provider tolerates a large burst of parallel searches.\n\n### Search Budget Rule\n\nTreat 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.\n\n- Start with the most important cards first.\n- Fetch issuer and approved secondary pages before deciding whether more searches are needed.\n- When multiple cards require searches, serialize them in small batches or add short waits of about **2 to 5 seconds** between bursts.\n- If Brave returns **429**, wait about **8 to 15 seconds** and retry once for the still-missing search.\n- If Brave is unavailable, continue with `WebSearch` + `WebFetch`.\n- If it still fails, continue with the best evidence already gathered and note the limitation in `## 📋 Confidence Notes`.\n\nClassify 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.\n\n### Fetch Pages\n\nFor each card, fetch the top issuer URL from search results. Optionally fetch 1 secondary URL with `WebFetch`.\n\nAn 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.\n\n### URL Safety Rules\n\n- Prefer `WebFetch` for page retrieval. Use `curl` only for the optional Brave Search API calls above, not for arbitrary result URLs.\n- Never execute a shell command that interpolates a raw URL taken directly from search results.\n- Only fetch URLs when all of the following are true:\n  1. scheme is `https`\n  2. hostname matches a supported issuer domain or an approved secondary domain from this skill\n  3. the URL is being passed to `WebFetch`, not inserted into a shell pipeline\n- If a result URL fails those checks, skip it and use the next valid result.\n\nRun fetches in parallel. Search snippets alone miss detailed credit and rate info. Combine fetched page content + search snippets + training knowledge.\n\n### Issuer Domains (for classifying results, not constraining searches)\n\n| Issuer | Domain |\n|---|---|\n| American Express | americanexpress.com |\n| Bank of America | bankofamerica.com |\n| Barclays | cards.barclaycardus.com |\n| Bilt | bfrrewards.com |\n| Capital One | capitalone.com |\n| Chase | chase.com |\n| Citi | citi.com |\n| Discover | discover.com |\n| Robinhood | robinhood.com |\n| U.S. Bank | usbank.com |\n| Wells Fargo | wellsfargo.com |\n\n## Required Output Sections\n\n### `## 💰 Annual Cost`\nTotal annual fees across all cards, listed per card.\n\n### `## 📈 Earning Map`\nTable showing the best card for each major spend category (dining, travel, groceries, gas, streaming, other).\n\n### `## 🏷️ Credits Stack`\nStatement credits, cash-back rebates, and complimentary subscriptions only — not enhanced earn rates or point multipliers. All credits across the wallet with total annual value.\n\n### `## 🔁 Overlap`\nNumbered list of redundant earn categories or duplicate benefits.\n\n### `## 🕳️ Gaps`\nNumbered list of common spend categories not covered at a bonus rate by any card.\n\n### `## 📋 Confidence Notes`\nFlag any uncertain, unconfirmed, or conflicting claims.\n\n### `## 🔗 Sources`\nNumbered list of URLs fetched, as markdown hyperlinks with short \"Site - Topic\" labels.\n\n## Output Rules\n\n- Use one emoji per section heading and numbered lists for overlap/gaps.\n- When listing credits, fees, or any monetary amounts, sort from highest to lowest dollar value.\n- Keep content to condensed facts — no prose padding.\n- Omit the Card Identity section when all matches are confident.\n- Do not show YAML blocks in output.\n- 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://...)`.\n\n## Confidence Definitions\n\n- **confirmed**: supported by issuer terms or multiple approved sources\n- **unconfirmed**: plausible but not fully resolved\n- **conflicting**: sources disagree on a material fact\n\nFile v1.0.0:_meta.json\n\n{\n  \"ownerId\": \"kn77nawvqcsq8chqypwjmesk0982remh\",\n  \"slug\": \"card-wallet\",\n  \"version\": \"1.0.0\",\n  \"publishedAt\": 1776259465036\n}\n\nFile v1.0.0:skill-card.md\n\n## Description: <br>\nAudit a multi-card wallet — earning map, credit stack, overlaps, gaps, and total annual cost. <br>\n\nThis skill is ready for commercial/non-commercial use. <br>\n\n## Publisher: <br>\n[jiahongc](https://clawhub.ai/user/jiahongc) <br>\n\n### License/Terms of Use: <br>\nMIT-0 <br>\n\n\n## Use Case: <br>\nExternal users use this skill to evaluate a credit-card lineup, compare fees and benefits, identify overlap, and find spending-category gaps. <br>\n\n### Deployment Geography for Use: <br>\nGlobal <br>\n\n## Known Risks and Mitigations: <br>\nRisk: Card names entered for an audit may be shared with web search or fetch services. <br>\nMitigation: Share only card product names and avoid full card numbers, CVV, SSN, account logins, account balances, or transaction histories. <br>\nRisk: Benefit, fee, or credit details may be stale or uncertain because the skill researches current public card information. <br>\nMitigation: Review confidence notes and source links, and confirm material claims against issuer pages before acting. <br>\n\n\n## Reference(s): <br>\n- [Card Wallet on ClawHub](https://clawhub.ai/jiahongc/card-wallet) <br>\n- [jiahongc publisher profile](https://clawhub.ai/user/jiahongc) <br>\n\n\n## Skill Output: <br>\n**Output Type(s):** [text, markdown, analysis, guidance] <br>\n**Output Format:** [Markdown wallet audit with tables, numbered lists, confidence notes, and source links] <br>\n**Output Parameters:** [1D] <br>\n**Other Properties Related to Output:** [Outputs annual cost, earning map, credits stack, overlap, gaps, confidence notes, and fetched source URLs.] <br>\n\n## Skill Version(s): <br>\n1.0.0 (source: server release evidence) <br>\n\n## Ethical Considerations: <br>\nUsers should evaluate whether this skill is appropriate for their environment, review any generated or modified files before relying on them, and apply their organization's safety, security, and compliance requirements before deployment. <br>","readmeExcerpt":"Skill: Card Wallet Owner: jiahongc Summary: Audit a multi-card wallet for overlap and gaps Tags: latest:1.0.1 Version history: v1.0.1 | 2026-08-09T17:25:54.657Z | user Bounded issuer-first research, shared discovery, and regression budget checks. v1.0.0 | 2026-04-15T13:24:25.036Z | user Initial publish Archive index: Archive v1.0.1: 4 files, 2540 bytes Files: agents/openai.yaml (216b), skill-card.md (1768b), SKILL.md","codeSnippets":[],"executableExamples":[{"language":"bash","snippet":"curl -sS \"https://api.search.brave.com/res/v1/web/search?q=CARD+NAME+benefits+credits&count=10\" \\\n  -H \"X-Subscription-Token: $BRAVE_API_KEY\""},{"language":"bash","snippet":"curl -sS \"https://api.search.brave.com/res/v1/web/search?q=CARD+NAME+benefits+credits&count=10\" \\\n  -H \"X-Subscription-Token: $BRAVE_API_KEY\""}],"parameters":null,"dependencies":[],"permissions":[],"extractedFiles":[{"path":"SKILL.md","content":"---\nname: card-wallet\ndescription: Audit a multi-card wallet for overlap, gaps, and total annual cost. Given a list of cards the user holds, identifies redundant benefits, uncovered spend categories, and net fee burden. Use when the user wants to evaluate their full card lineup.\n---\n\n# Card Wallet\n\nReturn a compact wallet audit for a set of cards the user holds.\n\n## Input\n\nAccept a comma-separated list of cards.\n\n## Workflow\n\n1. Resolve every card with [../card-identity/SKILL.md](../card-identity/SKILL.md). If any card is ambiguous, stop and ask only for that clarification.\n2. Follow the `card-wallet` strategy in [../card-shared/source-policy.yaml](../card-shared/source-policy.yaml).\n3. Research each card for annual fee, key earning categories, credits, and notable benefits using `WebFetch` and the URL-safety rules in [../card-shared/source-policy.yaml](../card-shared/source-policy.yaml).\n4. Build an earning map across common categories: dining, groceries, gas, travel, streaming, transit, drugstore, online shopping, rent, hotel, airline, and general spend.\n5. Identify overlap, uncovered categories, redundant benefits, and total annual fee drag.\n6. Fill the `card-wallet` contract in [../card-shared/command-contracts.yaml](../card-shared/command-contracts.yaml).\n7. Apply [../card-shared/confidence-rules.md](../card-shared/confidence-rules.md) and [../card-shared/normalization-rules.md](../card-shared/normalization-rules.md). Keep `sources` in hidden YAML only.\n\n## Required Sections\n\n- `## 💰 Annual Cost`\n- `## 📈 Earning Map`\n- `## 🏷️ Credits Stack`\n- `## 🔁 Overlap`\n- `## 🕳️ Gaps`\n- `## 📋 Confidence Notes`\n\nOnly include statement credits and subscription offsets in the credits stack. Do not treat point multipliers as credits."},{"path":"_meta.json","content":"{\n  \"ownerId\": \"kn77nawvqcsq8chqypwjmesk0982remh\",\n  \"slug\": \"card-wallet\",\n  \"version\": \"1.0.1\",\n  \"publishedAt\": 1786296354657\n}"},{"path":"skill-card.md","content":"## Description:\n\nAudit a multi-card wallet for overlap, gaps, and total annual cost.\n\nThis skill is ready for commercial/non-commercial use.\n\n## Publisher:\n\n[jiahongc](https://clawhub.ai/user/jiahongc)\n\n### License/Terms of Use:\n\nMIT-0\n\n## Use Case:\n\nExternal users and agents use this skill to evaluate a set of credit cards for annual fee burden, reward-category coverage, redundant benefits, and gaps in the wallet.\n\n### Deployment Geography for Use:\n\nGlobal\n\n## Known Risks and Mitigations:\n\nRisk: Users may provide unnecessary sensitive financial details while asking for a wallet audit.\n\nMitigation: Provide only card names unless a more personalized analysis is deliberately requested; do not provide banking logins, account numbers, or statements.\n\nRisk: Credit-card fees, benefits, credits, and earning categories can change, making stale public information misleading.\n\nMitigation: Research current public card information, include confidence notes, and avoid treating point multipliers as statement credits.\n\n## Reference(s):\n\n- [Card Wallet skill page](https://clawhub.ai/jiahongc/skills/card-wallet)\n\n## Skill Output:\n\n**Output Type(s):** [Markdown, Analysis, Guidance]\n\n**Output Format:** [Markdown wallet audit with annual cost, earning map, credits stack, overlap, gaps, and confidence notes]\n\n**Output Parameters:** [1D]\n\n**Other Properties Related to Output:** [Uses hidden YAML for sources when following the skill contract.]\n\n## Skill Version(s):\n\n1.0.1 (source: release evidence)\n\n## Ethical Considerations:\n\nUsers should evaluate whether this skill is appropriate for their environment, review any generated or modified files before relying on them, and apply their organization's safety, security, and compliance requirements before deployment."},{"path":"agents/openai.yaml","content":"interface:\n  display_name: \"Card Wallet\"\n  short_description: \"Audit a multi-card wallet for overlap and gaps\"\n  default_prompt: \"Use $card-wallet to audit Chase Sapphire Preferred, Amex Gold, and Citi Double Cash.\""}],"languages":[],"docsSourceLabel":"CLAWHUB","editorialOverview":"Audit a multi-card wallet for overlap and gaps Skill: Card Wallet Owner: jiahongc Summary: Audit a multi-card wallet for overlap and gaps Tags: latest:1.0.1 Version history: v1.0.1 | 2026-08-09T17:25:54.657Z | user Bounded issuer-first research, shared discovery, and regression budget checks. v1.0.0 | 2026-04-15T13:24:25.036Z | user Initial publish Archive index: Archive v1.0.1: 4 files, 2540 bytes Files: agents/openai.yaml (216b), skill-card.md (1768b), 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