earnrate 0.2.11 → 0.2.12

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/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/tools/account.js

@@ -136,7 +136,9 @@ export function registerAccountTools(server, catalog, store, ctx) {
         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,
         },

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)
@@ -179,7 +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": "0.2.11",
+  "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",