earnrate 0.2.16 → 0.2.17

package/dist/mcp/schemas.js

@@ -179,6 +179,8 @@ export const WalletSummarySchema = z.object({
             period: CreditPeriod,
             enroll: z.boolean(),
             enrolled: z.boolean(),
+            skipped: z.boolean(), // the user doesn't use it: not counted anywhere
+            confirmed: z.boolean(), // said in use: counts against the annual fee
             currentPeriod: z.string().nullable(),
             until: z.string().nullable(),
             used: z.number(),
@@ -186,6 +188,8 @@ export const WalletSummarySchema = z.object({
             tracked: z.boolean(),
             text: z.string(),
         })),
+        usedCredits: z.number(), // a year, counted against the annual fee
+        usedCreditsText: z.string().nullable(),
         chosen: z
             .object({
             period: z.string(),
@@ -282,6 +286,10 @@ export const OfferComparisonSchema = z.object({
         ineligible: z.string().nullable(),
         bonusValue: z.number(),
         firstYearValue: z.number(),
+        // Statement credits, a year at face value, and the first-year value
+        // if all were used. Not ranked on.
+        credits: z.number(),
+        firstYearValueIfCreditsUsed: z.number(),
         held: z.boolean(),
         lastVerified: z.string(),
         verifiedBy: z.string(),
@@ -381,6 +389,7 @@ export const ExplorationSchema = z.object({
         enroll: z.boolean(),
         note: z.string().nullable(),
         back: z.string(),
+        terms: z.string(),
         earn: z.string(),
         text: z.string(),
         evidence: z.object({ quote: z.string(), url: z.string() }).nullable(),
@@ -431,7 +440,19 @@ const SimulationSchema = z.object({
         cardIds: z.array(z.string()),
     })),
     membershipFees: z.number(),
+    // Credits the user uses on cards they hold, a year: counted in net.
+    heldCredits: z.number(),
     net: z.number(),
+    // Credits on cards not held, a year at face value: not in net.
+    otherCredits: z.number(),
+    netIfCreditsUsed: z.number(),
+    credits: z.array(z.object({
+        cardId: z.string(),
+        yearly: z.number(),
+        creditIds: z.array(z.string()),
+        names: z.array(z.string()),
+        held: z.boolean(),
+    })),
     lines: z.array(z.object({
         label: z.string(),
         spend: z.number(),
@@ -459,6 +480,8 @@ export const SpendingSimulationSchema = z.object({
         annualFee: z.number(),
         membershipFee: z.number(),
         gain: z.number(),
+        credits: z.number(), // its statement credits, a year: not in gain
+        gainIfCreditsUsed: z.number(),
     })),
 });
 export const CheatSheetSchema = z.object({

package/dist/mcp/tools/account.js

@@ -57,7 +57,7 @@ export function registerAccountTools(server, catalog, store, ctx) {
     const importWallet = importHandler(catalog, store, ctx);
     server.registerTool('export_wallet', {
         title: 'Export the wallet',
-        description: 'The saved wallet as a wallet.yaml file: card ids, checkout labels, picks, activations, opening dates and anniversaries, memberships, point values, cap usage, welcome-bonus progress, yearly spending toward spend bonuses, and statement credits enrolled in and used. earnrate.dev imports it, and the earnrate command line reads it saved as ~/.earnrate/wallet.yaml. Never card numbers.',
+        description: 'The saved wallet as a wallet.yaml file: card ids, checkout labels, picks, activations, opening dates and anniversaries, memberships, point values, cap usage, welcome-bonus progress, yearly spending toward spend bonuses, and statement credits enrolled in, used and not used. earnrate.dev imports it, and the earnrate command line reads it saved as ~/.earnrate/wallet.yaml. Never card numbers.',
         inputSchema: z.object({}),
         outputSchema: z.object({ yaml: z.string() }),
         annotations: {

package/dist/mcp/tools/wallet.js

@@ -57,6 +57,10 @@ function changes(catalog, args) {
             : `enrolled in: ${args.enrolled.join(', ')}`);
     for (const [id, used] of Object.entries(args.creditUsed ?? {}))
         out.push(`${money(used)} of the ${id} credit used this period`);
+    if (args.skippedCredits !== undefined)
+        out.push(args.skippedCredits.length === 0
+            ? 'every credit counted'
+            : `credits not used: ${args.skippedCredits.join(', ')}`);
     if (args.bonus === null)
         out.push('welcome bonus no longer tracked');
     else if (args.bonus !== undefined)
@@ -291,7 +295,7 @@ export function registerWalletTools(server, deps, ctx, inputs) {
     }, (args) => tools.add_card.run(args));
     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, opening date (optional; for first-year rates), activated categories, cap spending so far (capSpent), spending this year toward its spend bonuses (milestoneSpent), statement credits enrolled in (enrolled) and used this period (creditUsed), 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 bonuses (milestoneSpent), statement credits enrolled in (enrolled), used this period (creditUsed) or not used at all (skippedCredits), 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: tools.update_card.input,
         outputSchema: WalletChangeSchema,
         annotations: {

package/dist/schema/card.js

@@ -23,6 +23,9 @@ export const MilestoneSchema = z
     period: z.enum(['calendar_year', 'cardmember_year']),
     points: z.number().positive().optional(), // in the card's currency
     rewards: z.array(z.string().min(1)).min(1).optional(),
+    // The day the issuer starts it, for one announced ahead: spending counts
+    // from then.
+    valid_from: IsoDate.optional(),
     note: z.string().optional(),
 })
     .refine((m) => m.points !== undefined || m.rewards !== undefined, 'a milestone needs points, rewards or both');
@@ -76,6 +79,9 @@ export const RuleSchema = z
     geography: z
         .enum(['us_only', 'foreign_only', 'worldwide'])
         .default('worldwide'),
+    // Only a purchase of at least this many dollars. Unknown without an
+    // amount, so then it never applies by assumption.
+    min_amount: z.number().positive().optional(),
     // Inline cap, or the id of a shared cap in the card's `caps`.
     cap: z.union([CapSchema, KebabId]).optional(),
     requires: z
@@ -186,6 +192,11 @@ export const CreditSchema = z.strictObject({
     period: CreditPeriod,
     // The cardholder must enroll with the issuer before it pays.
     enroll: z.literal(true).optional(),
+    // It pays only on a purchase of at least this many dollars.
+    min_amount: z.number().positive().optional(),
+    // The issuer's last day for it. Past it the credit counts nowhere, and a
+    // year's worth counts only the periods that start by then.
+    valid_to: IsoDate.optional(),
     note: z.string().optional(),
 });
 const HexColor = z.string().regex(/^#[0-9a-f]{6}$/);

package/dist/schema/wallet.js

@@ -46,10 +46,14 @@ export const WalletCardSchema = z.strictObject({
     activated: z.array(KebabId).default([]),
     // Keyed by milestone id: every purchase on the card this period.
     milestone_usage: z.record(KebabId, CapUsage).optional(),
-    // Merchant credits (the card's `credits`) the cardholder has enrolled in,
-    // by credit id, and the dollars of each credit already received this period.
+    // Merchant credits (the card's `credits`) the cardholder has enrolled in
+    // or, for ones that need no enrolling, says they use, by credit id; and
+    // the dollars of each credit already received this period.
     enrolled: z.array(KebabId).optional(),
     credit_usage: z.record(KebabId, CreditUsage).optional(),
+    // Credits the cardholder doesn't use: left out of the pick, the to-do
+    // list and the fee math, even if enrolled.
+    skipped_credits: z.array(KebabId).optional(),
     // A welcome bonus in progress. Terms default to the card's published
     // offer; set spend, by, points or dollars when yours was different.
     bonus: z

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "earnrate",
-  "version": "0.2.16",
+  "version": "0.2.17",
   "description": "Which credit card earns the most at a merchant, from your cards or every card, and why",
   "keywords": [
     "credit cards",