---

name: card-credits description: Return statement credits and cash-like credits for one major-US credit card — amount, cadence, trigger rules, enrollment requirements, and restrictions. Covers 11 major US issuers including co-branded hotel and airline cards. metadata: openclaw: requires: env: - BRAVE_API_KEY bins: - curl primaryEnv: BRAVE_API_KEY

Card Credits

Return the credits view of one exact card variant in compact format.

When To Use

When the user asks about a card's statement credits, annual credits, or cash-back credits. Trigger phrases: "card-credits", "statement credits", "what credits", "annual credits", "perks".

Workflow

1. Resolve card identity — normalize the input and match to one exact card variant.
2. Search issuer only — run one Brave Search API call scoped to the issuer domain. Do NOT search secondary sources.
3. Compile — combine search snippets with knowledge to fill all required sections.
4. Confidence — flag uncertain or conflicting claims.

Step 1: Card Identity Resolution

Normalize the card name and resolve to an exact issuer + family + variant.

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
Delta Gold	American Express Delta SkyMiles Gold Card
Delta Platinum	American Express Delta SkyMiles Platinum Card
Delta Reserve	American Express Delta SkyMiles Reserve Card
Delta Biz Gold	American Express Delta SkyMiles Gold Business Card
Delta Biz Plat	American Express Delta SkyMiles Platinum Business Card
Delta Biz Reserve	American Express Delta SkyMiles Reserve Business Card

Business vs Personal

Both personal and business credit cards are supported. If the user specifies "business" or "biz", resolve to the business variant. If a card name exists in both versions and the user does not specify, treat as ambiguous and ask.

Ambiguity Rules

• If the input maps to 2+ plausible variants, return a numbered choice list and stop.
• If no match exists, return: "Could not match a card. Try including the full card name with issuer."

Supported Issuers

American Express, Bank of America, Barclays, Bilt, Capital One, Chase, Citi, Discover, Robinhood, U.S. Bank, Wells Fargo.

Step 2: Search (Issuer Only)

curl -sS "https://api.search.brave.com/res/v1/web/search?q=CARD+NAME+credits+benefits+site:ISSUER_DOMAIN&count=5" \
  -H "X-Subscription-Token: $BRAVE_API_KEY"

Use up to 1 secondary source (prefer Bankrate) for credit trigger details if needed. Combine the issuer search snippets with training knowledge.

Required Output Sections

## 💳 Credits Overview

Total annual credit value, number of distinct credits, general enrollment requirements.

## 🏷️ Credit Details

Numbered list of each credit with amount, cadence (monthly/annual/semiannual), trigger (what purchase activates it), and restrictions.

## 📏 Usage Rules

Enrollment requirements, expiration, stacking rules, clawback conditions.

## 📋 Confidence Notes

Flag any detail that may have changed since training data.

Output Rules

• Use one emoji per section heading and numbered lists for credits.
• Keep content to condensed facts — no prose padding.
• Omit the Card Identity section when the match is confident.
• Do not show inline links, sources footer, or YAML blocks in output.

Confidence Definitions

• confirmed: supported by issuer terms or multiple approved sources
• unconfirmed: plausible but not fully resolved
• conflicting: sources disagree on a material fact