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.
Return the credits view of one exact card variant in compact format.
A "credit" is a statement credit, cash-back rebate, or complimentary subscription with a concrete dollar value that directly offsets cost. Examples: "$300 travel credit," "$50 hotel credit," "complimentary DashPass membership ($120 value)."
Not credits: enhanced earning rates (e.g., "5x on Lyft"), bonus point multipliers, anniversary point bonuses, or any benefit that only increases points earned per dollar. Those belong in card-rate, not card-credits.
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".
WebSearch by default. If BRAVE_API_KEY is available and curl exists, you may use one Brave Search API call instead. Classify results as issuer or secondary by domain.WebFetch by default to fetch the top issuer URL and top 1 secondary URL from results.Normalize the card name and resolve to an exact issuer + family + variant.
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 |
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.
American Express, Bank of America, Barclays, Bilt, Capital One, Chase, Citi, Discover, Robinhood, U.S. Bank, Wells Fargo.
Use 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.
Optional Brave template:
curl -sS "https://api.search.brave.com/res/v1/web/search?q=CARD+NAME+credits+benefits&count=10" \
-H "X-Subscription-Token: $BRAVE_API_KEY"
Parse the JSON response — results are in .web.results[] with .title, .url, .description fields. Classify results by domain: issuer pages (use Issuer Domains table below) vs approved secondary sources. Use up to 1 secondary source (prefer thepointsguy.com, then bankrate.com) for credit trigger details.
Treat 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.
WebSearch + WebFetch.## 📋 Confidence Notes.Pick the top issuer URL and top 1 secondary URL from the search results. Fetch both in parallel with WebFetch.
An 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.
WebFetch for page retrieval. Use curl only for the optional Brave Search API calls above, not for arbitrary result URLs.httpsWebFetch, not inserted into a shell pipelineSearch snippets are too shallow for credits — the full page has the complete credit list. Combine the fetched page content + search snippets + training knowledge.
## 💳 Credits OverviewTotal annual credit value, number of distinct credits, general enrollment requirements.
## 🏷️ Credit DetailsNumbered list of each credit with amount, cadence (monthly/annual/semiannual), trigger (what purchase activates it), and restrictions.
## 📏 Usage RulesEnrollment requirements, expiration, stacking rules, clawback conditions.
## 📋 Confidence NotesFlag any detail that may have changed since training data.
## 🔗 SourcesNumbered list of URLs fetched, as markdown hyperlinks with short "Site - Topic" labels.
## 🔗 Sources section listing each URL fetched during research as a markdown hyperlink with a short "Site - Topic" label, e.g. [Chase - Sapphire Preferred](https://...).