earnrate 0.2.10 → 0.2.12

package/dist/engine/wallet-summary.js

@@ -1,13 +1,14 @@
 import { bonusStatus } from "./bonus.js";
 import { activationGroup, capUsed, isActivated, pickedCategories, } from "./evaluate.js";
+import { introUntil, introWindows, openedOn } from "./intro.js";
 import { membershipName } from "./memberships.js";
 import { milestoneSummaries } from "./milestones.js";
-import { optionName, ruleParts, ruleWhat } from "./rule-text.js";
+import { optionName, ruleParts } from "./rule-text.js";
 import { choicePeriod, daysBetween, inEffect, periodEnd } from "./periods.js";
 import { STALE_AFTER_DAYS } from "./recommend.js";
 import { rotationGap } from "./rotation.js";
 import { activationRules } from "./setup.js";
-import { CAP_PERIODS, choiceName, currencyLabel, earnText, listed, shortDate, wholeDollars, words, } from "./text.js";
+import { CAP_PERIODS, categoryReadsOn, choiceName, currencyLabel, earnText, listed, shortDate, wholeDollars, words, } from "./text.js";
 import { cardValuation, currencyValuation } from "./valuation.js";
 const matchKeys = (rule) => rule.match.choice !== undefined
     ? []
@@ -98,8 +99,13 @@ export function activationsDue(catalog, card, held, today) {
             seen.add(g);
         const rules = card.rules.filter((r) => group.includes(r.id));
         const first = rules[0];
+        const categories = rules.flatMap((r) => r.match.categories ?? []);
+        const servicesOnly = categories.length > 0 &&
+            rules.every((r) => (r.match.merchants ?? []).length === 0) &&
+            categories.every((c) => categoryReadsOn(catalog, c));
         out.push({
-            what: rules.map((r) => ruleWhat(catalog, r)).join(', '),
+            what: listed([...new Set(rules.flatMap((r) => ruleParts(catalog, r)))]),
+            preposition: servicesOnly ? 'on' : 'at',
             from: first?.valid_from ?? null,
             to: first?.valid_to ?? null,
             activateBy: first?.activate_by ?? null,
@@ -144,7 +150,7 @@ function capSummaries(catalog, card, held, today) {
         const shared = card.caps.find((c) => c.id === key);
         const label = shared?.rotating
             ? 'the rotating bonus categories'
-            : [...new Set(covered.map((r) => ruleWhat(catalog, r)))].join(', ') ||
+            : listed([...new Set(covered.flatMap((r) => ruleParts(catalog, r)))]) ||
                 words(key);
         return {
             key,
@@ -211,6 +217,8 @@ export function walletSummary(catalog, wallet, today) {
             activated: held.activated,
             toActivate: toActivate(catalog, card, held, today),
             anniversary: held.anniversary ?? null,
+            opened: openedOn(held),
+            intro: introSummary(card, held, today),
         });
     }
     return {
@@ -221,6 +229,18 @@ export function walletSummary(catalog, wallet, today) {
         cards,
     };
 }
+function introSummary(card, held, today) {
+    const [first] = card.intro_rates;
+    if (!first)
+        return null;
+    const opened = openedOn(held);
+    if (opened === null)
+        return { state: 'no-date', until: null, days: first.days };
+    const [active] = introWindows(card, held, today);
+    if (active)
+        return { state: 'active', until: active.until, days: active.intro.days };
+    return { state: 'ended', until: introUntil(first, opened), days: first.days };
+}
 function pointValues(catalog, wallet) {
     return Object.keys(wallet.valuations)
         .filter((id) => catalog.currencies.some((c) => c.id === id))

package/dist/format/card-art.js

@@ -0,0 +1,21 @@
+const FALLBACK = '#5c5650';
+export function cardColor(catalog, cardId) {
+    const card = catalog.cards.find((c) => c.id === cardId);
+    if (card?.color)
+        return card.color;
+    return catalog.issuers.find((i) => i.id === card?.issuer)?.color ?? FALLBACK;
+}
+// Relative luminance, to keep the chip and edge visible on light cards.
+function light(hex) {
+    const [r, g, b] = [1, 3, 5].map((i) => {
+        const c = parseInt(hex.slice(i, i + 2), 16) / 255;
+        return c <= 0.03928 ? c / 12.92 : ((c + 0.055) / 1.055) ** 2.4;
+    });
+    return 0.2126 * r + 0.7152 * g + 0.0722 * b > 0.35;
+}
+// 86 x 54 is a card's 85.6 x 54 mm; `width` scales it.
+export function cardArtSvg(color, width = 48) {
+    const height = Math.round((width * 54) / 86);
+    const edge = light(color) ? 'rgba(0,0,0,0.18)' : 'rgba(255,255,255,0.14)';
+    return `<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 86 54" width="${String(width)}" height="${String(height)}" aria-hidden="true" focusable="false"><rect x="0.5" y="0.5" width="85" height="53" rx="5" fill="${color}" stroke="${edge}"/><path d="M0 40 L56 0 H80 Q85.5 0 85.5 5 V8 L20 54 H5 Q0 54 0 49 Z" fill="#fff" opacity="0.07"/><rect x="10" y="17" width="14" height="11" rx="2" fill="#d9c08a" stroke="rgba(0,0,0,0.25)" stroke-width="0.6"/><path d="M10 22.5 H24 M17 17 V28" stroke="rgba(0,0,0,0.25)" stroke-width="0.6"/><rect x="10" y="40" width="30" height="3" rx="1.5" fill="${light(color) ? '#000' : '#fff'}" opacity="0.28"/></svg>`;
+}

package/dist/format/cards.js

@@ -20,6 +20,7 @@ export function formatCardInfo(card) {
             : []),
         ...(card.needsAnniversary ? ['cap resets on the card anniversary'] : []),
         ...card.milestones.map((m) => `spend bonus: ${m.text} (${m.id})`),
+        ...card.introRates.map((i) => `new accounts: ${i.text}; needs the opening date`),
         ...(card.onlyAt ? [`works only at ${card.onlyAt.join(', ')}`] : []),
         foreignFeeText(card.foreignTransactionFee).toLowerCase(),
     ];

package/dist/format/wallet-yaml.js

@@ -19,6 +19,7 @@ function compact(wallet) {
                 ? {}
                 : { checkout_label: c.checkout_label }),
             ...(c.anniversary === undefined ? {} : { anniversary: c.anniversary }),
+            ...(c.opened === undefined ? {} : { opened: c.opened }),
             ...(Object.keys(c.cap_usage).length > 0
                 ? { cap_usage: c.cap_usage }
                 : {}),

package/dist/format/wallet.js

@@ -1,4 +1,4 @@
-import { CAP_PERIODS, money, NETWORK_NAMES, shortDate } from "../engine/text.js";
+import { CAP_PERIODS, introAdjective, introSince, money, NETWORK_NAMES, periodPhrase, shortDate, } from "../engine/text.js";
 // "To do now", above the card details; nothing when all's done.
 export function formatChecklist(items) {
     return items.length === 0
@@ -36,11 +36,17 @@ export function formatWalletSummary(summary) {
         for (const cap of c.caps)
             lines.push(cap.remaining === null
                 ? `  Cap on ${cap.label}: ${money(cap.amount)} ${CAP_PERIODS[cap.period]}; give the card's anniversary to track it (cap key ${cap.key}).`
-                : `  Cap on ${cap.label}: ${money(cap.spent)} of ${money(cap.amount)} used ${cap.period === 'cardmember_year' ? 'this cardmember year' : `for ${cap.currentPeriod ?? ''}`}${cap.until === null ? '' : `, through ${shortDate(cap.until)}`} (cap key ${cap.key}).`);
+                : `  Cap on ${cap.label}: ${money(cap.spent)} of ${money(cap.amount)} used ${periodPhrase(cap.period, cap.currentPeriod ?? '')}${cap.until === null ? '' : `, through ${shortDate(cap.until)}`} (cap key ${cap.key}).`);
         for (const m of c.milestones)
             lines.push(`  Spend bonus (${m.id}): ${m.text}`);
         if (c.anniversary !== null)
             lines.push(`  Account anniversary: ${c.anniversary}.`);
+        if (c.intro?.state === 'active' && c.intro.until !== null)
+            lines.push(`  Opened ${c.opened ?? ''}: ${introAdjective(c.intro.days)} rates through ${shortDate(c.intro.until)}.`);
+        else if (c.intro?.state === 'no-date')
+            lines.push(`  Has ${introAdjective(c.intro.days)} rates for new accounts; give its opening date if it opened ${introSince(c.intro.days)}.`);
+        else if (c.opened !== null)
+            lines.push(`  Opened ${c.opened}.`);
         const b = c.bonus;
         if (b?.state === 'open' && b.spend !== null)
             lines.push(`  Welcome bonus: ${money(b.spent)} of ${money(b.spend)} spent, due ${b.deadline ?? ''}.`);
@@ -60,7 +66,7 @@ export function formatBooking(amount, cardId, cap, bonus, milestones = []) {
     const messages = [];
     if (cap) {
         const left = Math.max(0, cap.capAmount - cap.after);
-        messages.push(`Recorded ${money(amount)} on ${cardId} against "${cap.capKey}": ${money(cap.before)} → ${money(cap.after)} of ${money(cap.capAmount)} for ${cap.period}, ${money(left)} left.`);
+        messages.push(`Recorded ${money(amount)} on ${cardId} against "${cap.capKey}": ${money(cap.before)} → ${money(cap.after)} of ${money(cap.capAmount)} ${periodPhrase(cap.periodKind, cap.period)}, ${money(left)} left.`);
     }
     if (bonus) {
         const left = Math.max(0, bonus.spend - bonus.after);
@@ -74,7 +80,7 @@ export function formatBooking(amount, cardId, cap, bonus, milestones = []) {
         const reached = milestones.filter((m) => m.before < m.spend && m.after >= m.spend);
         const next = milestones.find((m) => m.after < m.spend);
         messages.push([
-            `Spend on ${cardId} this year: ${money(first.after)}.`,
+            `Spend on ${cardId} this ${first.periodKind === 'cardmember_year' ? 'cardmember year' : 'year'}: ${money(first.after)}.`,
             ...reached.map((m) => `That reaches its ${money(m.spend)} spend bonus.`),
             ...(next
                 ? [

package/dist/import/analyze.js

@@ -87,6 +87,7 @@ export function analyzeStatement(catalog, wallet, entries, today, alreadyRecorde
                     cardId: held.id,
                     milestoneId: p.milestone.id,
                     period: p.period,
+                    periodKind: p.milestone.period,
                     spend: p.milestone.spend,
                     before: p.spent,
                     after: p.spent,

package/dist/mcp/inputs.js

@@ -64,6 +64,9 @@ const cardFields = {
         .regex(/^\d{2}-\d{2}$/)
         .optional()
         .describe("The account's anniversary as MM-DD, for cards whose cap resets on it."),
+    opened: IsoDate.nullable()
+        .optional()
+        .describe('Optional: the day the account opened, YYYY-MM-DD. Only for cards with a first-year rate (search_cards lists it), which applies only while a purchase falls in the window; without a date the card is ranked at its standard rates. Ask the user; never guess or assume a card is new. null removes it.'),
     activated: z
         .array(z.string())
         .optional()

package/dist/mcp/prompts.js

@@ -0,0 +1,90 @@
+import { z } from 'zod';
+// Ready-made questions a client can offer: the user's question, then what
+// to call and how to answer. Rates and card facts come only from the tools.
+export const PROMPTS = ['which-card', 'cheat-sheet', 'this-quarter', 'set-up'];
+const FROM_SAVED_OR_ALL = "the user's saved cards if there are any, otherwise every card earnrate knows";
+const ask = (question, guidance) => ({
+    messages: [
+        {
+            role: 'user',
+            content: {
+                type: 'text',
+                text: `${question}\n\n${guidance.join(' ')}`,
+            },
+        },
+    ],
+});
+const dollars = (amount) => (/^\d/.test(amount) ? `$${amount}` : amount);
+export function registerPrompts(server, deps, ctx) {
+    server.registerPrompt('which-card', {
+        title: 'Which credit card should I use?',
+        description: 'The card that earns the most at a store or for a kind of purchase, with the reason. From your saved cards, or every card if you have none saved.',
+        argsSchema: z.object({
+            store: z
+                .string()
+                .trim()
+                .min(1)
+                .describe('The store, or the kind of purchase: Costco, groceries'),
+            amount: z
+                .string()
+                .optional()
+                .describe('How much you are spending, in US dollars'),
+            country: z
+                .string()
+                .optional()
+                .describe('Where you are paying, if not the U.S.: FR, Japan'),
+        }),
+    }, (args) => {
+        const amount = args.amount?.trim() || null;
+        const country = args.country?.trim() || null;
+        const call = [
+            `merchant ${JSON.stringify(args.store)}`,
+            ...(amount === null
+                ? []
+                : [`amount ${JSON.stringify(amount)} as a number of US dollars`]),
+            ...(country === null
+                ? []
+                : [`country as the two-letter code for ${JSON.stringify(country)}`]),
+        ];
+        return ask(`Which credit card should I use at ${args.store}${amount === null ? '' : ` for ${dollars(amount)}`}${country === null ? '' : ` in ${country}`}?`, [
+            `Call earnrate's best_card_for_purchase with ${call.join(', ')}.`,
+            `It answers from ${FROM_SAVED_OR_ALL}, so don't ask for their cards first.`,
+            'Say which card to use and why, with the assumptions and warnings it gives.',
+            ...(country === null
+                ? [
+                    'If the user mentions paying abroad or in another currency, ask where, or pass `country` as its two-letter code.',
+                ]
+                : []),
+        ]);
+    });
+    server.registerPrompt('cheat-sheet', {
+        title: 'Which card for everyday spending?',
+        description: 'The card to use for each everyday kind of purchase right now, from your saved cards or every card.',
+    }, () => ask('Which card should I use for everyday spending?', [
+        "Call earnrate's cheat_sheet and show the card for each kind of purchase, with its notes.",
+        `It uses ${FROM_SAVED_OR_ALL}.`,
+    ]));
+    server.registerPrompt('this-quarter', {
+        title: 'What should I do with my cards this quarter?',
+        description: 'Bonuses to activate, categories to pick, caps running low and welcome bonuses to finish, from your saved cards.',
+    }, () => ask('What should I do with my cards this quarter?', [
+        "Call earnrate's list_wallet: it starts with a to-do list. Walk through it, soonest first.",
+        ctx.walletUse,
+        'If no cards are saved, say in a sentence or two what saving them adds (reminders to activate bonuses, pick categories, and watch caps and welcome bonuses), without pressing the user to do it, and offer the cheat sheet from every card instead.',
+    ]));
+    server.registerPrompt('set-up', {
+        title: 'Set up my cards',
+        description: 'Save the cards you hold, by name, with their category picks, memberships and activations.',
+    }, () => ask('Help me set up my cards in earnrate.', [
+        'Ask which cards the user has; their names are enough. Never ask for card numbers, expiry dates or security codes.',
+        ...(deps.savedWallets === 'account'
+            ? [
+                "Never ask for the recovery code either; it's typed only on earnrate's page.",
+            ]
+            : []),
+        'Find each card with search_cards and check the match with the user, then save it with add_card.',
+        ctx.walletUse,
+        'When a card needs category picks, a membership like Amazon Prime, activations or its anniversary, ask rather than guessing, and save the answers with update_card or set_memberships.',
+        'When done, call list_wallet and show its to-do list.',
+    ]));
+}

package/dist/mcp/schemas.js

@@ -100,6 +100,7 @@ export const WalletSummarySchema = z.object({
             'bonus',
             'milestone',
             'rotation',
+            'intro',
         ]),
         cardId: z.string(),
         text: z.string(),
@@ -169,6 +170,14 @@ export const WalletSummarySchema = z.object({
         activated: z.array(z.string()),
         toActivate: z.array(z.string()),
         anniversary: z.string().nullable(),
+        opened: z.string().nullable(),
+        intro: z
+            .object({
+            state: z.enum(['active', 'ended', 'no-date']),
+            until: z.string().nullable(),
+            days: z.number(),
+        })
+            .nullable(),
     })),
 });
 export const RecordResultSchema = z.object({
@@ -179,6 +188,12 @@ export const RecordResultSchema = z.object({
         capKey: z.string(),
         ruleId: z.string(),
         period: z.string(),
+        periodKind: z.enum([
+            'month',
+            'quarter',
+            'calendar_year',
+            'cardmember_year',
+        ]),
         capAmount: z.number(),
         before: z.number(),
         after: z.number(),
@@ -197,6 +212,7 @@ export const RecordResultSchema = z.object({
         cardId: z.string(),
         milestoneId: z.string(),
         period: z.string(),
+        periodKind: z.enum(['calendar_year', 'cardmember_year']),
         spend: z.number(),
         before: z.number(),
         after: z.number(),
@@ -270,6 +286,7 @@ export const CardSearchSchema = z.object({
             rewards: z.array(z.string()),
             text: z.string(),
         })),
+        introRates: z.array(z.object({ id: z.string(), days: z.number(), text: z.string() })),
     })),
 });
 export const WalletChangeSchema = z.object({

package/dist/mcp/server.js

@@ -2,6 +2,7 @@ import { McpServer } from '@modelcontextprotocol/server';
 import { MCP_SERVER_NAME } from "../brand.js";
 import { makeContext } from "./context.js";
 import { makeInputs } from "./inputs.js";
+import { registerPrompts } from "./prompts.js";
 import { registerAccountTools } from "./tools/account.js";
 import { registerAnswerTools } from "./tools/answers.js";
 import { registerWalletTools } from "./tools/wallet.js";
@@ -66,6 +67,7 @@ export function createEarnrateServer(deps) {
     const inputs = makeInputs(deps.catalog);
     registerAnswerTools(server, deps, ctx, inputs);
     registerWalletTools(server, deps, ctx, inputs);
+    registerPrompts(server, deps, ctx);
     if (deps.savedWallets === 'account')
         registerAccountTools(server, deps.catalog, deps.store, ctx);
     return server;

package/dist/mcp/tools/account.js

@@ -26,6 +26,7 @@ export function registerAccountTools(server, catalog, store, ctx) {
         annotations: {
             title: 'Export the wallet',
             readOnlyHint: true,
+            destructiveHint: false,
             openWorldHint: false,
         },
     }, async () => {
@@ -82,7 +83,7 @@ export function registerAccountTools(server, catalog, store, ctx) {
     });
     server.registerTool('delete_wallet', {
         title: 'Delete the wallet',
-        description: "Deletes the saved wallet and its recovery code now and for good, and signs out every Claude app connected to it, this one included. earnrate.dev and the earnrate command line keep their own wallets and aren't affected. Only when the user asks to delete it: show it with list_wallet, offer export_wallet, and pass confirm, cards and saved only after the user confirms. It refuses if the wallet no longer holds what list_wallet showed, so a retried call can't delete a different wallet.",
+        description: "Deletes the saved wallet and its recovery code now and for good, and signs out every app connected to it, this one included. earnrate.dev and the earnrate command line keep their own wallets and aren't affected. Only when the user asks to delete it: show it with list_wallet, offer export_wallet, and pass confirm, cards and saved only after the user confirms. It refuses if the wallet no longer holds what list_wallet showed, so a retried call can't delete a different wallet.",
         inputSchema: z.object({
             confirm: z
                 .literal(true)
@@ -121,7 +122,7 @@ export function registerAccountTools(server, catalog, store, ctx) {
             content: [
                 {
                     type: 'text',
-                    text: "Deleted the saved wallet and its recovery code, and signed out every Claude app connected to it, this one included. To keep using earnrate here, the user connects again on earnrate's page and starts a new wallet.",
+                    text: "Deleted the saved wallet and its recovery code, and signed out every app connected to it, this one included. To keep using earnrate here, the user connects again on earnrate's page and starts a new wallet.",
                 },
             ],
             structuredContent: { deleted: true },
@@ -129,13 +130,15 @@ export function registerAccountTools(server, catalog, store, ctx) {
     });
     server.registerTool('switch_wallet', {
         title: 'Switch wallets',
-        description: "Disconnects this app from its saved wallet so the user can connect a different one with its recovery code, or start a new one, on earnrate's page. Nothing is deleted. It also signs out anyone else connected to this wallet through the same app (another Claude account the recovery code was shared with): say so before calling it. Use it when the user wants another wallet. Never ask for the recovery code in the conversation.",
+        description: "Disconnects this app from its saved wallet so the user can connect a different one with its recovery code, or start a new one, on earnrate's page. Nothing is deleted. It also signs out anyone else connected to this wallet through the same app (another account the recovery code was shared with): say so before calling it. Use it when the user wants another wallet. Never ask for the recovery code in the conversation.",
         inputSchema: z.object({}),
         outputSchema: z.object({ disconnected: z.boolean() }),
         annotations: {
             title: 'Switch wallets',
             readOnlyHint: false,
-            destructiveHint: false,
+            // It signs out this app's other connections to the wallet, which only
+            // the recovery code undoes.
+            destructiveHint: true,
             idempotentHint: true,
             openWorldHint: false,
         },
@@ -145,7 +148,7 @@ export function registerAccountTools(server, catalog, store, ctx) {
             content: [
                 {
                     type: 'text',
-                    text: "Disconnected from this saved wallet; nothing was deleted. earnrate's sign-in page opens on the next earnrate request (or reconnect earnrate in the app's connector settings). There the user chooses \"Already have a wallet?\" and types the other wallet's recovery code, or starts a new wallet. Other Claude accounts connected to this wallet through the same app are signed out too.",
+                    text: "Disconnected from this saved wallet; nothing was deleted. earnrate's sign-in page opens on the next earnrate request (or reconnect earnrate in the app's connector settings). There the user chooses \"Already have a wallet?\" and types the other wallet's recovery code, or starts a new wallet. Other accounts connected to this wallet through the same app are signed out too.",
                 },
             ],
             structuredContent: { disconnected: true },

package/dist/mcp/tools/answers.js

@@ -54,6 +54,7 @@ export function registerAnswerTools(server, deps, ctx, inputs) {
         annotations: {
             title: 'Best card for a purchase',
             readOnlyHint: true,
+            destructiveHint: false,
             openWorldHint: deps.llm !== null,
         },
     }, async ({ merchant, amount, channel, date, country, category, cards, memberships, valuation, }) => {
@@ -127,6 +128,7 @@ export function registerAnswerTools(server, deps, ctx, inputs) {
         annotations: {
             title: 'Resolve a merchant',
             readOnlyHint: true,
+            destructiveHint: false,
             openWorldHint: deps.llm !== null,
         },
     }, async ({ merchant, channel, category }) => {
@@ -166,6 +168,7 @@ export function registerAnswerTools(server, deps, ctx, inputs) {
         annotations: {
             title: 'Compare welcome offers',
             readOnlyHint: true,
+            destructiveHint: false,
             openWorldHint: false,
         },
     }, async (args) => {
@@ -219,6 +222,7 @@ export function registerAnswerTools(server, deps, ctx, inputs) {
         annotations: {
             title: 'Best cards for a purchase',
             readOnlyHint: true,
+            destructiveHint: false,
             openWorldHint: false,
         },
     }, async (args) => {
@@ -266,6 +270,7 @@ export function registerAnswerTools(server, deps, ctx, inputs) {
         annotations: {
             title: 'Simulate a year of spending',
             readOnlyHint: true,
+            destructiveHint: false,
             openWorldHint: false,
         },
     }, async (args) => {
@@ -349,6 +354,7 @@ export function registerAnswerTools(server, deps, ctx, inputs) {
         annotations: {
             title: 'Cheat sheet',
             readOnlyHint: true,
+            destructiveHint: false,
             openWorldHint: false,
         },
     }, async (args) => {
@@ -391,6 +397,7 @@ export function registerAnswerTools(server, deps, ctx, inputs) {
         annotations: {
             title: 'Search cards',
             readOnlyHint: true,
+            destructiveHint: false,
             openWorldHint: false,
         },
     }, async ({ query }) => {

package/dist/mcp/tools/wallet.js

@@ -39,6 +39,10 @@ function changes(catalog, args) {
         out.push(`checkout name "${args.checkoutLabel}"`);
     if (args.anniversary !== undefined)
         out.push(`anniversary ${args.anniversary}`);
+    if (args.opened === null)
+        out.push('opening date cleared');
+    else if (args.opened !== undefined)
+        out.push(`opened ${args.opened}`);
     if (args.activated !== undefined)
         out.push(args.activated.length === 0
             ? 'nothing activated'
@@ -46,7 +50,7 @@ function changes(catalog, args) {
     for (const [key, spent] of Object.entries(args.capSpent ?? {}))
         out.push(`${money(spent)} already spent on ${key} this period`);
     for (const [id, spent] of Object.entries(args.milestoneSpent ?? {}))
-        out.push(`${money(spent)} spent toward ${id} this year`);
+        out.push(`${money(spent)} spent toward ${id} this ${card?.milestones.find((m) => m.id === id)?.period === 'cardmember_year' ? 'cardmember year' : 'year'}`);
     if (args.bonus === null)
         out.push('welcome bonus no longer tracked');
     else if (args.bonus !== undefined)
@@ -63,6 +67,7 @@ export function registerWalletTools(server, deps, ctx, inputs) {
         annotations: {
             title: 'List wallet',
             readOnlyHint: true,
+            destructiveHint: false,
             openWorldHint: false,
         },
     }, async () => {
@@ -178,7 +183,7 @@ export function registerWalletTools(server, deps, ctx, inputs) {
     });
     server.registerTool('update_card', {
         title: 'Update a card',
-        description: `Changes settings on a card already in the wallet: its category picks for this period, checkout label, anniversary, activated categories, cap spending so far (capSpent), spending this year toward its spend milestones (milestoneSpent) or a welcome bonus to track. Picks replace the saved ones in each choice group you set (other groups are kept) for the current period. Use it when the user picks new categories, such as each quarter on U.S. Bank Cash+. ${ctx.walletUse}`,
+        description: `Changes settings on a card already in the wallet: its category picks for this period, checkout label, anniversary, opening date (optional; for first-year rates), activated categories, cap spending so far (capSpent), spending this year toward its spend milestones (milestoneSpent) or a welcome bonus to track. Picks replace the saved ones in each choice group you set (other groups are kept) for the current period. Use it when the user picks new categories, such as each quarter on U.S. Bank Cash+. ${ctx.walletUse}`,
         inputSchema: CardChange,
         outputSchema: WalletChangeSchema,
         annotations: {

package/dist/schema/card.js

@@ -145,10 +145,32 @@ export const ChoiceSchema = z.strictObject({
         })),
     ])),
 });
+// A rate for a stretch after the account opens, counted from the opening
+// day: Discover's Cashback Match doubles every rate for the first 365 days,
+// Customized Cash adds 3% to its choice category. With `rules`, it changes
+// only those rules' rates, inside their caps; past a cap they earn what they
+// always do. Without, it changes every rate on the card, past caps included.
+export const IntroRateSchema = z
+    .strictObject({
+    id: KebabId,
+    days: z.number().int().positive(),
+    rules: z.array(KebabId).min(1).optional(),
+    multiply: z.number().positive().optional(),
+    add: z.number().positive().optional(), // currency units per dollar
+    note: z.string().optional(),
+})
+    .refine((i) => (i.multiply === undefined) !== (i.add === undefined), 'an intro rate needs multiply or add, not both');
+const HexColor = z.string().regex(/^#[0-9a-f]{6}$/);
 export const CardSchema = z
     .strictObject({
     id: KebabId,
     name: z.string().min(1),
+    // A name that fits one line of the Wallet pass's strip (24 characters),
+    // for cards whose name is longer: "AAdvantage Platinum".
+    short_name: z.string().min(1).max(24).optional(),
+    // The card face's main color, roughly, for earnrate's drawing of the
+    // card. Never the issuer's card art.
+    color: HexColor.optional(),
     issuer: z.string().min(1),
     network: CardNetwork,
     // Merchant ids a store card works at. Required for, and only for, `store`.
@@ -183,6 +205,7 @@ export const CardSchema = z
     choices: z.array(ChoiceSchema).default([]),
     rules: z.array(RuleSchema).default([]),
     milestones: z.array(MilestoneSchema).default([]),
+    intro_rates: z.array(IntroRateSchema).default([]),
     // A short quote from an issuer page for each rule (or `base_rate`). The
     // weekly source check fails a rule whose quote disappears from its page.
     evidence: z

package/dist/schema/issuer.js

@@ -4,5 +4,9 @@ export const IssuerSchema = z.strictObject({
     id: KebabId,
     name: z.string().min(1), // as shown: "American Express"
     search: z.array(z.string().min(1)).default([]), // other words people use
+    color: z
+        .string()
+        .regex(/^#[0-9a-f]{6}$/)
+        .optional(), // for a card without its own
 });
 export const IssuersFileSchema = z.array(IssuerSchema).min(1);

package/dist/schema/wallet.js

@@ -28,6 +28,9 @@ export const WalletCardSchema = z.strictObject({
         .string()
         .regex(/^\d{2}-\d{2}$/)
         .optional(),
+    // The day the account opened, for rates that apply only for a stretch
+    // after it (intro_rates). bonus.opened stands in when this isn't set.
+    opened: IsoDate.optional(),
     // Keyed by shared cap id, or by rule id for an inline cap.
     cap_usage: z.record(KebabId, CapUsage).default({}),
     chosen: z

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "earnrate",
-  "version": "0.2.10",
+  "version": "0.2.12",
   "description": "Which credit card earns the most at a merchant, from your cards or every card, and why",
   "keywords": [
     "credit cards",
@@ -42,19 +42,23 @@
     "prepack": "yarn build",
     "smoke:pack": "node scripts/smoke-pack.ts",
     "mcpb:pack": "node scripts/build-mcpb.ts",
+    "chatgpt:pack": "node scripts/pack-chatgpt.ts",
     "smoke:mcpb": "node scripts/smoke-mcpb.ts",
     "remote:build": "node scripts/build-remote.ts",
     "remote:check": "yarn remote:build && WRANGLER_SEND_METRICS=false wrangler deploy --config remote/wrangler.jsonc --dry-run --outdir dist",
     "remote:deploy": "yarn remote:build && WRANGLER_SEND_METRICS=false wrangler deploy --config remote/wrangler.jsonc",
+    "pass:build": "node scripts/build-pass.ts",
+    "pass:check": "yarn pass:build && WRANGLER_SEND_METRICS=false wrangler deploy --config pass/wrangler.jsonc --dry-run --outdir dist",
+    "pass:deploy": "yarn pass:build && WRANGLER_SEND_METRICS=false wrangler deploy --config pass/wrangler.jsonc",
     "monitor:check": "WRANGLER_SEND_METRICS=false wrangler deploy --config monitor/wrangler.jsonc --dry-run --outdir dist",
     "monitor:deploy": "WRANGLER_SEND_METRICS=false wrangler deploy --config monitor/wrangler.jsonc",
     "site:build": "vite build site && node scripts/build-pages.ts",
     "site:dev": "vite site",
-    "site:deploy": "yarn site:build && WRANGLER_SEND_METRICS=false wrangler deploy",
+    "site:deploy": "yarn site:build && WRANGLER_SEND_METRICS=false wrangler deploy && node scripts/indexnow.ts",
     "test": "vitest run",
     "test:watch": "vitest",
     "coverage": "vitest run --coverage --coverage.include=src/**",
-    "typecheck": "tsc && tsc -p site && tsc -p remote && tsc -p monitor",
+    "typecheck": "tsc && tsc -p site && tsc -p remote && tsc -p monitor && tsc -p pass",
     "lint": "eslint",
     "format": "prettier --write .",
     "format:check": "prettier --check .",
@@ -71,11 +75,16 @@
     "@cloudflare/workers-oauth-provider": "1.2.4",
     "@cloudflare/workers-types": "5.20261031.1",
     "@eslint/js": "^10.0.1",
+    "@expo-google-fonts/inter": "0.2.3",
     "@modelcontextprotocol/client": "2.3.1",
+    "@resvg/resvg-wasm": "2.6.2",
     "@types/node": "^24",
+    "@types/node-forge": "1.3.11",
     "@vitest/coverage-v8": "5.0.5",
     "eslint": "^10.13.0",
     "eslint-config-prettier": "^10.1.8",
+    "fflate": "0.8.2",
+    "node-forge": "1.3.1",
     "playwright": "1.64.1",
     "preact": "^10.29.8",
     "prettier": "^3.9.10",