card-optimizerlisted
Install: claude install-skill dvcrn/openclaw-skills-marketplace
# Card Optimizer
Maximize credit card rewards by always using the right card for every purchase.
## Data Location
- **Skill logic:** `skills/card-optimizer/` (this file)
- **User data:** `data/card-optimizer/`
- `cards.json` — card definitions, reward rates, spending estimates, category map
## Card Database Schema
Each card in `cards.json` follows this structure:
```json
{
"id": "unique_id",
"name": "Card Name",
"issuer": "Issuer Name",
"network": "visa|mastercard|amex|discover",
"annual_fee": 95,
"reward_type": "cashback|points|miles",
"point_valuation_cpp": null,
"transfer_partners": [],
"notes": "Optional notes",
"signup_bonus": {
"amount": 200,
"type": "cashback",
"spend_requirement": 3000,
"timeframe_months": 3,
"earned": false
},
"categories": [
{
"category": "groceries",
"rate": 6.0,
"cap_amount": 6000,
"cap_period": "yearly",
"rate_after_cap": 1.0
},
{
"category": "rotating",
"rate": 5.0,
"cap_amount": 1500,
"cap_period": "quarterly",
"rate_after_cap": 1.0,
"quarterly_categories": {
"Q1": ["gas", "ev_charging"],
"Q2": ["groceries", "home_improvement"],
"Q3": ["restaurants", "paypal"],
"Q4": ["amazon", "target", "walmart"]
},
"activation_required": true
},
{
"category": "everything_else",
"rate": 1.0
}
]
}
```
### Point Valuations
For points/miles cards, store `point_val