earnrate 0.2.3 → 0.2.5

package/dist/mcp/context.js

@@ -54,15 +54,34 @@ export function makeContext(deps) {
     }
     // Cards named in the conversation come first, then the saved wallet; with
     // neither (null), answers cover every card earnrate knows.
+    // The point values and memberships the user saved apply to every answer,
+    // not just ones from their saved cards. A wallet that can't be read has
+    // none.
+    async function saved() {
+        try {
+            const wallet = await deps.store.load();
+            return {
+                valuations: wallet?.valuations ?? {},
+                memberships: wallet?.memberships ?? [],
+            };
+        }
+        catch {
+            return { valuations: {}, memberships: [] };
+        }
+    }
     async function cardsFor(cards, memberships) {
-        if (cards && cards.length > 0)
-            return walletFromCards(catalog, {
+        if (cards && cards.length > 0) {
+            const named = walletFromCards(catalog, {
                 cards: cards.map(({ cardId, ...rest }) => ({
                     id: cardId,
                     ...defined(rest),
                 })),
-                ...(memberships ? { memberships } : {}),
+                memberships: memberships ?? (await saved()).memberships,
             }, deps.today());
+            return typeof named === 'string'
+                ? named
+                : { ...named, valuations: (await saved()).valuations };
+        }
         const read = await readableWallet();
         if (typeof read === 'string')
             return read;
@@ -92,5 +111,13 @@ export function makeContext(deps) {
         };
     }
     const cardName = (id) => catalog.cards.find((c) => c.id === id)?.name ?? id;
-    return { wallet, readableWallet, resolve, cardsFor, changed, cardName };
+    return {
+        wallet,
+        readableWallet,
+        resolve,
+        cardsFor,
+        saved,
+        changed,
+        cardName,
+    };
 }

package/dist/mcp/inputs.js

@@ -1,6 +1,6 @@
 import { z } from 'zod';
 import { ALL_PERSONAL_CARDS } from "../engine/explore.js";
-import { VALUATION_PROFILES } from "../engine/profiles.js";
+import { profileText, VALUATION_PROFILES } from "../engine/profiles.js";
 import { knownMemberships } from "../engine/setup.js";
 import { IsoDate } from "../schema/common.js";
 export const Merchant = z
@@ -112,6 +112,8 @@ export function makeInputs(catalog) {
         .enum(categoryIds)
         .optional()
         .describe(`Only for a merchant earnrate may not know, and only if you're confident what kind of business it is: its spending category, e.g. grocery.supermarket for a supermarket, dining for a restaurant, gas for a gas station. Ignored when earnrate knows the merchant. Leave it out if unsure. Categories: ${categoryList}.`);
+    // record_purchase can't skip an unknown merchant's caps, so it asks.
+    const RecordCategoryInput = CategoryInput.describe(`For a merchant earnrate doesn't know, its spending category, e.g. dining for a restaurant: without one the purchase isn't recorded, since its caps can't be told. If nobody knows, other records it toward a welcome bonus without touching any cap. Ignored when earnrate knows the merchant. Categories: ${categoryList}.`);
     const CatalogCategory = z
         .enum(categoryIds)
         .describe(`A spending category: ${categoryList}.`);
@@ -120,19 +122,20 @@ export function makeInputs(catalog) {
         .array(NamedCard)
         .optional()
         .describe("Cards the user named in this conversation, to answer for just those cards without saving anything. Leave out to use the user's saved wallet if they have one; with neither, the answer covers every card earnrate knows.");
-    const NamedMemberships = Memberships.optional().describe("Memberships the user has, such as amazon-prime, when they're named in the conversation rather than saved.");
+    const NamedMemberships = Memberships.optional().describe("Memberships the user has, such as amazon-prime or costco, when they're named in the conversation rather than saved.");
     const CatalogFilters = {
         ...OfferFilters,
         issuer: z.enum(issuers).optional().describe("Only this issuer's cards."),
-        memberships: Memberships.optional().describe("Memberships the user has, such as amazon-prime. Rates that need one they don't have are listed separately."),
+        memberships: Memberships.optional().describe("Memberships the user has, such as amazon-prime or costco. Rates that need one they don't have are listed separately; a card that needs one (Costco Anywhere) says so."),
         valuation: z
             .enum(['flat', 'points-heavy'])
             .optional()
-            .describe('flat (default): points at their cash-out value, about 1¢. points-heavy: Amex MR and Chase UR at 1.7¢, for people who transfer points to airlines and hotels.'),
+            .describe(`Instead of the user's saved point values (or earnrate's defaults): flat, points at their cash-out value, ${profileText('flat')}; or points-heavy, ${profileText('points-heavy')}, for people who transfer points to airlines and hotels.`),
     };
     const AllMemberships = Memberships.describe(`Every membership the user has. Known: ${membershipIds.join(', ')}.`);
     return {
         CategoryInput,
+        RecordCategoryInput,
         CatalogCategory,
         NamedCards,
         NamedMemberships,
@@ -141,8 +144,12 @@ export function makeInputs(catalog) {
         AllMemberships,
     };
 }
-// The catalog filters as exploreCards and simulate take them.
-export const settings = (args) => ({
+// The catalog filters as exploreCards and simulate take them. Memberships or
+// a valuation profile asked for win over the user's saved ones.
+export const settings = (args, saved = {
+    valuations: {},
+    memberships: [],
+}) => ({
     filters: {
         ...ALL_PERSONAL_CARDS,
         kind: args.kind ?? 'any',
@@ -150,6 +157,8 @@ export const settings = (args) => ({
         business: args.business ?? false,
         issuer: args.issuer ?? null,
     },
-    memberships: args.memberships ?? [],
-    valuations: args.valuation ? VALUATION_PROFILES[args.valuation] : {},
+    memberships: args.memberships ?? saved.memberships,
+    valuations: args.valuation
+        ? VALUATION_PROFILES[args.valuation]
+        : saved.valuations,
 });

package/dist/mcp/schemas.js

@@ -78,6 +78,13 @@ const RecommendationSchema = z.object({
 });
 export const WalletSummarySchema = z.object({
     memberships: z.array(z.string()),
+    pointValues: z.array(z.object({
+        currency: z.string(),
+        name: z.string(),
+        centsPerUnit: z.number(),
+        redemption: z.string().nullable(),
+    })),
+    started: z.string().nullable(),
     cards: z.array(z.object({
         cardId: z.string(),
         cardName: z.string(),
@@ -99,6 +106,7 @@ export const WalletSummarySchema = z.object({
         })
             .nullable(),
         currency: z.string(),
+        currencyName: z.string(),
         centsPerUnit: z.number(),
         lastVerified: z.string(),
         verifiedBy: z.string(),
@@ -170,6 +178,8 @@ export const OfferComparisonSchema = z.object({
         note: z.string().nullable(),
         annualFee: z.number().nullable(),
         firstYearFee: z.number().nullable(),
+        membershipFee: z.number(),
+        ineligible: z.string().nullable(),
         bonusValue: z.number(),
         firstYearValue: z.number(),
         held: z.boolean(),
@@ -204,6 +214,9 @@ export const CardSearchSchema = z.object({
             default: z.array(z.string()).nullable(),
         })),
         memberships: z.array(z.string()),
+        requiresMembership: z
+            .object({ id: z.string(), name: z.string(), annualFee: z.number() })
+            .nullable(),
         activation: z.array(z.string()),
         needsAnniversary: z.boolean(),
     })),
@@ -272,6 +285,13 @@ const SimulationSchema = z.object({
     spend: z.number(),
     rewards: z.number(),
     annualFees: z.number(),
+    memberships: z.array(z.object({
+        id: z.string(),
+        name: z.string(),
+        annualFee: z.number(),
+        cardIds: z.array(z.string()),
+    })),
+    membershipFees: z.number(),
     net: z.number(),
     lines: z.array(z.object({
         label: z.string(),
@@ -292,6 +312,7 @@ export const SpendingSimulationSchema = z.object({
         picks: Picks,
         extraRewards: z.number(),
         annualFee: z.number(),
+        membershipFee: z.number(),
         gain: z.number(),
     })),
 });

package/dist/mcp/server.js

@@ -23,6 +23,7 @@ export const SAVED_WALLET_TOOLS = [
     'update_card',
     'remove_card',
     'set_memberships',
+    'set_point_values',
     'export_wallet',
     'import_wallet',
     'delete_wallet',

package/dist/mcp/tools/account.js

@@ -7,7 +7,7 @@ import { WalletChangeSchema } from "../schemas.js";
 export function registerAccountTools(server, catalog, store, ctx) {
     server.registerTool('export_wallet', {
         title: 'Export the wallet',
-        description: 'The saved wallet as a wallet.yaml file the earnrate command line and earnrate.dev can import: card ids, picks, activations, memberships, cap usage and bonus progress. Never card numbers.',
+        description: 'The saved wallet as a wallet.yaml file the earnrate command line and earnrate.dev can import: card ids, picks, activations, memberships, point values, cap usage and bonus progress. Never card numbers.',
         inputSchema: z.object({}),
         outputSchema: z.object({ yaml: z.string() }),
         annotations: { readOnlyHint: true, openWorldHint: false },
@@ -46,19 +46,35 @@ export function registerAccountTools(server, catalog, store, ctx) {
         const parsed = parseWalletYaml(yaml, catalog);
         if (typeof parsed === 'string')
             return fail(parsed);
-        const current = await store.load().catch(() => null);
+        let current;
+        try {
+            current = await store.load();
+        }
+        catch (e) {
+            if (replace !== true)
+                return fail(`Couldn't read the saved wallet to check what it holds (${e instanceof Error ? e.message : String(e)}). Ask the user, then call again with replace: true to overwrite it.`);
+            current = null;
+        }
         if (current !== null && current.cards.length > 0 && replace !== true)
             return fail(`This would replace the ${String(current.cards.length)} ${current.cards.length === 1 ? 'card' : 'cards'} already saved (${current.cards.map((c) => c.id).join(', ')}). Ask the user, then call again with replace: true.`);
-        const count = parsed.cards.length;
-        return ctx.changed(await store.replace(parsed), `Imported a wallet with ${String(count)} ${count === 1 ? 'card' : 'cards'}.`, { notes: false });
+        const cards = (n) => `${String(n)} ${n === 1 ? 'card' : 'cards'}`;
+        const before = current?.cards.length ?? 0;
+        return ctx.changed(await store.replace(parsed), before > 0
+            ? `Replaced the ${cards(before)} that were saved with the ${cards(parsed.cards.length)} imported.`
+            : `Imported a wallet with ${cards(parsed.cards.length)}.`, { notes: false });
     });
     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: offer export_wallet first, and pass confirm only after the user confirms. It refuses when the wallet has no cards, since there's nothing to delete.",
+        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 and cards only after the user confirms. It refuses if the wallet no longer holds that many cards, so a retried call can't delete a different wallet.",
         inputSchema: z.object({
             confirm: z
                 .literal(true)
                 .describe('true, only after the user confirms the deletion.'),
+            cards: z
+                .number()
+                .int()
+                .nonnegative()
+                .describe('How many cards the wallet held when the user confirmed, from list_wallet: 0 for an empty wallet.'),
         }),
         outputSchema: z.object({ deleted: z.boolean() }),
         annotations: {
@@ -67,10 +83,12 @@ export function registerAccountTools(server, catalog, store, ctx) {
             idempotentHint: true,
             openWorldHint: false,
         },
-    }, async () => {
-        const current = await store.load().catch(() => null);
-        if (current === null || current.cards.length === 0)
-            return fail("This saved wallet has no cards, so there's nothing to delete. If the user meant a different wallet, it may already be deleted.");
+    }, async ({ cards }) => {
+        // An unreadable wallet can still be deleted: the user confirmed it.
+        const current = await store.load().catch(() => undefined);
+        const held = current === undefined ? cards : (current?.cards.length ?? 0);
+        if (held !== cards)
+            return fail(`This saved wallet holds ${String(held)} ${held === 1 ? 'card' : 'cards'}, not ${String(cards)}, so it isn't the wallet the user confirmed (it may have been deleted and a new one connected). Show it with list_wallet and confirm again.`);
         await store.erase();
         return {
             content: [
@@ -84,7 +102,7 @@ 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. 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 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.",
         inputSchema: z.object({}),
         outputSchema: z.object({ disconnected: z.boolean() }),
         annotations: {

package/dist/mcp/tools/answers.js

@@ -6,7 +6,7 @@ import { withValuationProfile } from "../../engine/profiles.js";
 import { recommend } from "../../engine/recommend.js";
 import { searchCards } from "../../engine/setup.js";
 import { resolveSpendLines, simulateAdditions, simulateCatalog, TYPICAL_SPEND_NOTE, typicalSpendLines, } from "../../engine/simulate.js";
-import { currencyName } from "../../engine/text.js";
+import { categoryPhrase, currencyName, NETWORK_NAMES, } from "../../engine/text.js";
 import { EMPTY_WALLET } from "../../engine/transient.js";
 import { formatCardInfo } from "../../format/cards.js";
 import { formatCheatSheet } from "../../format/cheat-sheet.js";
@@ -16,6 +16,15 @@ import { formatRecommendation } from "../../format/recommendation.js";
 import { ALL_CARDS_NOTE, fail } from "../context.js";
 import { ChannelInput, DateInput, Merchant, settings, } from "../inputs.js";
 import { CardSearchSchema, CheatSheetSchema, ExplorationSchema, MerchantResolutionSchema, OfferComparisonSchema, PurchaseAnswerSchema, SpendingSimulationSchema, } from "../schemas.js";
+const SOURCES = {
+    override: "from earnrate's merchant list",
+    seed: "from earnrate's merchant list",
+    llm: 'classified by Claude',
+    caller: 'from the category given with the request',
+    category: 'a kind of purchase, not a store',
+    none: 'not recognized',
+};
+const EVERY_CARD_NOTE = "Picked from every card earnrate knows, as asked, not just the user's saved cards. The user's saved memberships and point values still apply.";
 const TOP = 10;
 // The tools that answer without a saved wallet: from every card, the cards
 // named in the conversation, or a saved wallet if there is one.
@@ -24,7 +33,7 @@ export function registerAnswerTools(server, deps, ctx, inputs) {
     const { CategoryInput, CatalogCategory, NamedCards, NamedMemberships, OfferFilters, CatalogFilters, } = inputs;
     server.registerTool('best_card_for_purchase', {
         title: 'Best card for a purchase',
-        description: "Which card earns the most rewards for a purchase, and why. With no cards given and no saved wallet, it ranks every card earnrate knows (in `allCards`): a complete answer for anyone. With cards named in the conversation (`cards`) or a saved wallet, it picks the best of the user's own: `decision.cardId` is the pick and `decision.checkoutLabel` is how the card appears at checkout, with every usable card ranked with reasons, cards the merchant won't take, assumptions, warnings, and when a different point valuation would change the pick. Never needs or returns card numbers.",
+        description: "Which card earns the most rewards for a purchase, and why. With no cards given and no saved wallet, it ranks every card earnrate knows (in `allCards`): a complete answer for anyone. With cards named in the conversation (`cards`) or a saved wallet, it picks the best of the user's own: `decision.cardId` is the pick and `decision.checkoutLabel` is how the card appears at checkout, with every usable card ranked with reasons, cards the merchant won't take, assumptions, warnings, and when a different point valuation would change the pick. For a business earnrate may not know, like a local restaurant, pass `category` when you can tell what kind of business it is. Never needs or returns card numbers.",
         inputSchema: z.object({
             merchant: Merchant,
             amount: z
@@ -55,6 +64,9 @@ export function registerAnswerTools(server, deps, ctx, inputs) {
             country: 'US',
         };
         const resolved = await ctx.resolve(merchant, purchase.channel, category ?? null);
+        const retry = resolved.merchant.source === 'none'
+            ? `earnrate doesn't recognize "${merchant}", so this answer uses only base rates and may miss the best card. If you can tell what kind of business it is (a restaurant, a grocery store, a gas station), call best_card_for_purchase again with category; otherwise ask the user.\n\n`
+            : '';
         if (wallet === null) {
             const explored = exploreCards(catalog, {
                 merchant,
@@ -62,14 +74,14 @@ export function registerAnswerTools(server, deps, ctx, inputs) {
                 amount: purchase.amount,
                 channel: purchase.channel,
                 date: purchase.date,
-            }, settings({ memberships }), resolved.merchant);
+            }, settings({ memberships }, await ctx.saved()), resolved.merchant);
             const allCards = { ...explored, ranked: explored.ranked.slice(0, TOP) };
             const empty = recommend(catalog, EMPTY_WALLET, purchase, resolved.merchant);
             return {
                 content: [
                     {
                         type: 'text',
-                        text: `${formatExploration(allCards, true)}\n${ALL_CARDS_NOTE}`,
+                        text: `${retry}${formatExploration(allCards, catalog, true)}\n${ALL_CARDS_NOTE}`,
                     },
                 ],
                 structuredContent: {
@@ -89,7 +101,7 @@ export function registerAnswerTools(server, deps, ctx, inputs) {
             content: [
                 {
                     type: 'text',
-                    text: formatRecommendation(output, purchase, { all: true }),
+                    text: `${retry}${formatRecommendation(output, purchase, { all: true })}`,
                 },
             ],
             structuredContent: output,
@@ -109,7 +121,13 @@ export function registerAnswerTools(server, deps, ctx, inputs) {
         const resolved = await ctx.resolve(merchant, channel ?? null, category ?? null);
         const m = resolved.merchant;
         const text = [
-            `${m.resolvedName}: ${m.category}${m.likelyMcc === null ? '' : ` (MCC ${String(m.likelyMcc)})`}, ${m.confidence} confidence, from ${m.source}.`,
+            `${m.resolvedName}: ${categoryPhrase(catalog, m.category)}${m.likelyMcc === null ? '' : ` (MCC ${String(m.likelyMcc)})`}, ${m.confidence} confidence, ${SOURCES[m.source]}.`,
+            m.accepts === null
+                ? m.source === 'none'
+                    ? 'Which card networks it takes is unknown.'
+                    : 'Takes all major card networks.'
+                : `Takes ${m.accepts.map((n) => NETWORK_NAMES[n] ?? n).join(', ')} only.`,
+            ...(m.ambiguity ? [m.ambiguity.note] : []),
             ...(m.inference
                 ? [`Claude's reasoning: ${m.inference.rationale}`]
                 : []),
@@ -122,7 +140,7 @@ export function registerAnswerTools(server, deps, ctx, inputs) {
     });
     server.registerTool('compare_welcome_offers', {
         title: 'Compare welcome offers',
-        description: "Ranks the public welcome (sign-up) offers on cards the user doesn't have by first-year value: the bonus at the user's point values minus the first year's annual fee. Use it when the user asks which new card to get or which has the best sign-up bonus. It covers only the cards earnrate knows, offers vary by person, and each offer's note gives the issuer's eligibility rules; pass those caveats on. It doesn't account for what a card would earn on the user's spending.",
+        description: "Ranks the public welcome (sign-up) offers on cards the user doesn't have by first-year value: the bonus at the user's point values minus the first year's annual fee and any membership the card needs that the user doesn't have. Offers the issuer rules out because of a card in the user's wallet are marked likely not eligible and listed last. Use it when the user asks which new card to get or which has the best sign-up bonus. It covers only the cards earnrate knows, offers vary by person, and each offer's note gives the issuer's eligibility rules; pass those caveats on. It doesn't account for what a card would earn on the user's spending.",
         inputSchema: z.object({
             ...OfferFilters,
             valuation: CatalogFilters.valuation,
@@ -138,7 +156,7 @@ export function registerAnswerTools(server, deps, ctx, inputs) {
         const wallet = await ctx.cardsFor(args.cards, undefined);
         if (typeof wallet === 'string')
             return fail(wallet);
-        const base = wallet ?? EMPTY_WALLET;
+        const base = wallet ?? { ...EMPTY_WALLET, ...(await ctx.saved()) };
         const comparison = compareOffers(catalog, args.valuation ? withValuationProfile(base, args.valuation) : base, {
             kind: args.kind ?? 'any',
             noAnnualFee: args.noAnnualFee ?? false,
@@ -147,7 +165,9 @@ export function registerAnswerTools(server, deps, ctx, inputs) {
         }, deps.today());
         const trimmed = {
             ...comparison,
-            offers: comparison.offers.slice(0, TOP),
+            // Offers ruled out by a card the user holds sort last; keep them in
+            // view so the reason shows.
+            offers: comparison.offers.filter((o, i) => i < TOP || o.ineligible !== null),
         };
         const more = comparison.offers.length - trimmed.offers.length;
         return {
@@ -156,7 +176,7 @@ export function registerAnswerTools(server, deps, ctx, inputs) {
                     type: 'text',
                     text: formatOffers(trimmed, (id) => currencyName(catalog, id), true) +
                         (more > 0
-                            ? `\nThe top ${String(TOP)} of ${String(comparison.offers.length)} offers. Narrow them with kind, noAnnualFee or business.\n`
+                            ? `\nThe top ${String(TOP)} of ${String(comparison.offers.length)} offers${trimmed.offers.length > TOP ? `, plus ${String(trimmed.offers.length - TOP)} likely not eligible` : ''}. Narrow them with kind, noAnnualFee or business.\n`
                             : ''),
                 },
             ],
@@ -179,7 +199,7 @@ export function registerAnswerTools(server, deps, ctx, inputs) {
         }),
         outputSchema: ExplorationSchema,
         annotations: { readOnlyHint: true, openWorldHint: false },
-    }, (args) => {
+    }, async (args) => {
         if (args.merchant === undefined && args.category === undefined)
             return fail('Give a merchant or a category.');
         const result = exploreCards(catalog, {
@@ -188,16 +208,18 @@ export function registerAnswerTools(server, deps, ctx, inputs) {
             amount: args.amount ?? null,
             channel: args.channel ?? null,
             date: deps.today(),
-        }, settings(args));
+        }, settings(args, await ctx.saved()));
         const trimmed = { ...result, ranked: result.ranked.slice(0, TOP) };
         return {
-            content: [{ type: 'text', text: formatExploration(trimmed, true) }],
+            content: [
+                { type: 'text', text: formatExploration(trimmed, catalog, true) },
+            ],
             structuredContent: trimmed,
         };
     });
     server.registerTool('simulate_spending', {
         title: 'Simulate a year of spending',
-        description: 'Spends monthly amounts for a year across every card earnrate knows, and ranks single cards and two-card pairs by rewards minus annual fees. Spending is optional: without it, typical U.S. household amounts are used and the answer says so. With `cards` (named in the conversation) or compareToWallet (the saved wallet), it ranks the cards that would add the most to those cards instead. Use it for "which card fits my spending?" or "is it worth adding a card?". It leaves out welcome bonuses.',
+        description: 'Spends monthly amounts for a year across every card earnrate knows, and ranks single cards and two-card pairs by rewards minus annual fees, and minus a membership a card needs (a Costco membership) unless the user has it or spends at Costco. Spending is optional: without it, typical U.S. household amounts are used and the answer says so. With `cards` (named in the conversation) or compareToWallet (the saved wallet), it ranks the cards that would add the most to those cards instead. Use it for "which card fits my spending?" or "is it worth adding a card?". It leaves out welcome bonuses.',
         inputSchema: z.object({
             spending: z
                 .array(z.object({
@@ -231,7 +253,10 @@ export function registerAnswerTools(server, deps, ctx, inputs) {
         if (unknown.length > 0)
             return fail(`earnrate doesn't know ${unknown.map((l) => `"${l.merchant.input}"`).join(', ')}. Give a category for those lines instead.`);
         const notes = given.length === 0 ? [TYPICAL_SPEND_NOTE] : [];
-        const options = { ...settings(args), start: deps.today() };
+        const options = {
+            ...settings(args, await ctx.saved()),
+            start: deps.today(),
+        };
         const wantsTheirs = (args.cards !== undefined && args.cards.length > 0) ||
             args.compareToWallet === true;
         const wallet = wantsTheirs
@@ -279,6 +304,10 @@ export function registerAnswerTools(server, deps, ctx, inputs) {
         inputSchema: z.object({
             date: DateInput,
             cards: NamedCards,
+            everyCard: z
+                .boolean()
+                .optional()
+                .describe('true to pick from every card earnrate knows even when the user has a saved wallet ("which cards should I get?"); the filters then apply.'),
             memberships: NamedMemberships,
             kind: CatalogFilters.kind,
             noAnnualFee: CatalogFilters.noAnnualFee,
@@ -289,14 +318,18 @@ export function registerAnswerTools(server, deps, ctx, inputs) {
         outputSchema: CheatSheetSchema,
         annotations: { readOnlyHint: true, openWorldHint: false },
     }, async (args) => {
-        const wallet = await ctx.cardsFor(args.cards, args.memberships);
+        const wallet = args.everyCard === true
+            ? null
+            : await ctx.cardsFor(args.cards, args.memberships);
         if (typeof wallet === 'string')
             return fail(wallet);
         const date = args.date ?? deps.today();
         const sheet = wallet === null
             ? {
-                ...catalogCheatSheet(catalog, date, settings(args)),
-                notes: [ALL_CARDS_NOTE],
+                ...catalogCheatSheet(catalog, date, settings(args, await ctx.saved())),
+                notes: [
+                    args.everyCard === true ? EVERY_CARD_NOTE : ALL_CARDS_NOTE,
+                ],
             }
             : cheatSheet(catalog, args.valuation
                 ? withValuationProfile(wallet, args.valuation)