---

name: card-full description: Return a compact full report for one major-US credit card — fees, welcome offer, earning rates, redemption, credits, travel benefits, protections, mechanics, eligibility, and strategy. 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 Full

Research any major US credit card and return a compact, complete report.

When To Use

When the user asks for a full credit card review, breakdown, or "tell me about [card]". Trigger phrases: "card-full", "full report", "tell me about the [card name]", "review [card name]".

Workflow

1. Resolve card identity — normalize the input, fix abbreviations, and match to one exact card variant.
2. Search — run one Brave Search API call for the card's issuer page + secondary sources.
3. Compile — assemble the report using the required sections below.
4. Confidence — flag uncertain or conflicting claims in the Confidence Notes section.

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 (e.g., "Chase Sapphire" could be Preferred or Reserve), return a numbered choice list and stop. Do not guess.
• 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. If the card is from an unsupported issuer, return: "This card is not from a supported issuer."

Step 2: Search

Run one Brave Search API call:

curl -sS "https://api.search.brave.com/res/v1/web/search?q=CARD+NAME+review+welcome+offer&count=20" \
  -H "X-Subscription-Token: $BRAVE_API_KEY"

Parse the JSON response — results are in .web.results[] with .title, .url, .description fields.

Source Policy

• Issuer-first: always check the card's official product page before secondary sources.
• Max 5 secondary sources from this approved list:
  1. NerdWallet (nerdwallet.com) — preferred
  2. The Points Guy (thepointsguy.com) — preferred
  3. Doctor of Credit (doctorofcredit.com)
  4. Bankrate (bankrate.com)
  5. One Mile at a Time (onemileatatime.com)
  6. Upgraded Points (upgradedpoints.com)
• Stop early once all required sections are covered.
• Disallowed: Reddit, Facebook, Instagram, TikTok, X, YouTube, referral links, user forums.

Issuer Domains (for classifying results, not constraining searches)

Issuer	Domains
American Express	americanexpress.com, aboutamex.com
Bank of America	bankofamerica.com
Barclays	cards.barclaycardus.com
Bilt	bfrrewards.com
Capital One	capitalone.com
Chase	chase.com, media.chase.com
Citi	citi.com, citicards.com
Discover	discover.com
Robinhood	robinhood.com
U.S. Bank	usbank.com
Wells Fargo	wellsfargo.com

Step 3: Fetch Pages

Pick the top issuer URL and up to 2 secondary URLs (prefer thepointsguy.com and nerdwallet.com) from the search results. Fetch in parallel:

curl -sS -L "URL" | sed 's/<[^>]*>//g' | tr -s '\n' | head -200

Search snippets are too shallow for full reports — the actual pages have complete credit lists, rate tables, and benefit details.

Step 4: Required Output Sections

Return compact markdown with these sections in order:

## 💰 Fees

Annual fee, authorized user fee, foreign transaction fee, balance transfer fee, cash advance fee, late fee.

## 🎁 Welcome Offer

Public bonus, spend requirement, qualification window, eligibility restrictions, lifetime/family language.

## 📈 Earning Rates

Base rate, bonus categories with multipliers, caps, point currency.

## 🔄 Redemption

Transfer partners summary, portal options, cash-out rates, minimum redemption.

## 🏷️ Credits

Statement credits, cash-back rebates, and complimentary subscriptions with concrete dollar values only. Each credit with amount, cadence, trigger, and restrictions. Do NOT include enhanced earning rates (e.g., "5x on Lyft"), bonus point multipliers, or anniversary point bonuses — those go in Earning Rates.

## ✈️ Travel Benefits

Lounge access, hotel status, rental car benefits, travel credits, companion fares.

## 🛡️ Protections

Purchase protection, extended warranty, return protection, cell phone protection, fraud protections.

## ⚙️ Account Mechanics

Virtual cards, authorized user handling, app capabilities, autopay notes.

## ✅ Eligibility

Issuer family rules, known restriction language (e.g., Chase 5/24, Amex lifetime language).

## 🧭 Strategy

Downgrade paths, no-fee fallback, ecosystem role, keeper value after year one.

## 📋 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.
• When listing credits, fees, or any monetary amounts, sort from highest to lowest dollar value.
• Use numbered lists for list-heavy sections.
• Keep content to condensed facts — no prose padding.
• Omit the Card Identity section when the match is confident.
• Do not include YAML blocks in user-facing 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://...).
• Do not show a "Why It Matters" section.

Confidence Definitions

• confirmed: supported by issuer terms or multiple approved sources without disagreement
• unconfirmed: plausible but not fully resolved from approved sources
• conflicting: approved sources disagree on a material fact

Every report must include a ## 📋 Confidence Notes section. Keep notes short and tied to concrete uncertainties.