Card Value

针对单一美国信用卡变体，按可选消费结构估算首年价值：开卡奖励价值＋年度消费收益＋各类权益减去年费，默认按 1.0 cpp 估值并附置信度说明；需联网检索发卡机构页面，卡片解析与来源策略依赖包外共享文件。

jiahongc

热度 52.49

最近更新 2026-08-10 01:27:17

分类：生活依赖：联网浏览搜索 / 内部调用大模型应用场景：个人理财 / 研究

安装技能

复制下面的话术发给你的 Agent，它会通过 secure-skills 检索并安装该技能。

执行命令安装此 skill： npx secure-skills-cli add card-value

Metadata

name: card-value
description: Estimate first-year value for one major-US credit card given an optional spending breakdown. Returns welcome bonus + estimated earn + credits minus annual fee. Use when the user wants a quick value check.

Card Value

Return a compact first-year value estimate for one exact card variant.

Input

Accept a card name plus an optional spend breakdown. If the user gives no breakdown, use a moderate default profile: $500/mo dining, $200/mo travel, $100/mo streaming, $200/mo groceries, $2000/mo other.

Workflow

Resolve the card with ../card-identity/SKILL.md. If ambiguous, stop and return a numbered choice list.
Follow the card-value strategy in ../card-shared/source-policy.yaml.
Search CARD NAME welcome offer annual fee value.
Fetch the issuer page plus approved secondaries needed for current offer, fee, earning, and credit details, using WebFetch and the URL-safety rules in ../card-shared/source-policy.yaml.
Compute welcome bonus value + annual earn value + credits - annual fee.
Use 1.0 cpp as the baseline unless a justified higher redemption assumption is clearly supported; call out that assumption in confidence notes.
Fill the card-value contract in ../card-shared/command-contracts.yaml.
Apply ../card-shared/confidence-rules.md and ../card-shared/normalization-rules.md. Keep sources in hidden YAML only.

Required Sections

## 💳 Spend Profile
## 🎁 Welcome Bonus
## 📈 Annual Earn
## 🏷️ Credits
## 💰 Net First-Year Value
## 📋 Confidence Notes

Show the net-value math clearly in one compact block.