earnrate 0.2.9 → 0.2.11

package/dist/engine/recommend.js

@@ -11,6 +11,7 @@ import { CAP_ADJECTIVES, categoryPhrase, codesAs, currencyLabel, currencyName, e
 import { cardValuation } from "./valuation.js";
 export const STALE_AFTER_DAYS = 180;
 // The engine only tells the U.S. from everywhere else.
+export const FOREIGN_ASSUMPTION = 'Treats this as a purchase outside the U.S.: each card is ranked after its foreign transaction fee.';
 export const isForeign = (purchase) => purchase.country !== 'US';
 // Any purchase outside the U.S., when no country is named: ZZ is a code ISO
 // leaves unassigned, and nothing prints it.
@@ -87,6 +88,7 @@ function rankEntries(catalog, wallet, purchase, merchant, category) {
             perDollar,
             fee,
             effectiveReturnPct: perDollar * valuation.centsPerUnit - fee,
+            rateReturnPct: evaluation.best.rate * valuation.centsPerUnit - fee,
             upside: perDollar * (valuation.range?.[1] ?? valuation.centsPerUnit) - fee,
         });
     }
@@ -111,7 +113,7 @@ function reasoningFor(catalog, wallet, entry, amount) {
         lines.push(`${money(cap.remaining)} earns ${earnText(catalog, best.nominalRate, currency)} before the cap, then ${money(over)} earns ${earnText(catalog, best.afterCap ?? cap.cap.then_rate, currency)}: ${num(best.rate)} per dollar overall.`);
     }
     for (const hit of entry.milestones)
-        lines.push(reachedText(card, hit));
+        lines.push(reachedText(card, hit, valuation.centsPerUnit));
     if (valuation.pooledFrom !== null) {
         const partners = card.pools_into?.when_wallet_has ?? [];
         const heldPartners = wallet.cards
@@ -122,7 +124,7 @@ function reasoningFor(catalog, wallet, entry, amount) {
         lines.push(`Pools into ${currencyName(catalog, currency)} because you hold ${heldPartners.join(' and ')}.`);
     }
     if (currency !== 'cash') {
-        lines.push(`Valued at ${num(valuation.centsPerUnit)}¢ per point: ${pct(entry.perDollar * valuation.centsPerUnit)} back.`);
+        lines.push(`Valued at ${num(valuation.centsPerUnit)}¢ per point: ${pct(entry.evaluation.best.rate * valuation.centsPerUnit)} back.`);
     }
     return lines;
 }
@@ -131,7 +133,7 @@ function warningsFor(catalog, entry, purchase) {
     const { best, nominal } = evaluation;
     const warnings = [];
     if (entry.fee > 0)
-        warnings.push(`Charges a ${pct(entry.fee)} foreign transaction fee here, so it nets ${pct(entry.effectiveReturnPct)}.`);
+        warnings.push(`Charges a ${pct(entry.fee)} foreign transaction fee here, so it nets ${pct(entry.rateReturnPct)}.`);
     if (isForeign(purchase) && card.foreign_transaction_fee === null)
         warnings.push("Its foreign transaction fee isn't on file, so none is subtracted. Check the issuer's terms before using it abroad.");
     const capLabel = (e) => e.cap
@@ -184,11 +186,19 @@ function toRanked(catalog, wallet, entry, purchase) {
         rate: evaluation.best.rate,
         currency: valuation.currency,
         centsPerUnit: valuation.centsPerUnit,
-        effectiveReturnPct: entry.effectiveReturnPct,
+        effectiveReturnPct: entry.rateReturnPct,
         foreignFee: entry.fee > 0 ? entry.fee : null,
         earned: purchase.amount === null
             ? null
-            : Math.round(purchase.amount * entry.effectiveReturnPct) / 100,
+            : Math.round(purchase.amount * entry.rateReturnPct) / 100,
+        milestoneBonus: entry.milestones.length === 0
+            ? null
+            : {
+                points: milestonePoints(entry.milestones),
+                dollars: roundCents((milestonePoints(entry.milestones) *
+                    entry.valuation.centsPerUnit) /
+                    100),
+            },
         capped: evaluation.best.cap !== null,
         reasoning: reasoningFor(catalog, wallet, entry, purchase.amount),
         warnings: warningsFor(catalog, entry, purchase),
@@ -210,11 +220,13 @@ function tieNote(entries) {
             tied.some((e) => e.evaluation.best.cap !== null)
             ? 'because its rate has no cap'
             : 'by a fixed order; either works';
-    return `${names} also ${verb} ${pct(winner.effectiveReturnPct)} here. ${displayName(winner)} wins the tie ${why}.`;
+    return `${names} also ${verb} ${pct(winner.rateReturnPct)} here. ${displayName(winner)} wins the tie ${why}.`;
 }
 // Finds the closest point inside a currency's value range where the winner
 // stops winning, varying one currency at a time. Returns are linear in the
 // cents-per-point value, so each pair of cards flips at most once.
+// "Chase Ultimate Rewards points", but not "IHG One Rewards points points".
+const pointsName = (label) => /\b(points|miles)$/i.test(label) ? label : `${label} points`;
 function sensitivity(catalog, entries) {
     const [winner, ...rest] = entries;
     if (!winner)
@@ -235,13 +247,13 @@ function sensitivity(catalog, entries) {
         if (w.range && wRate > 0) {
             const threshold = (other.effectiveReturnPct + winner.fee) / wRate;
             if (threshold < w.centsPerUnit && threshold >= w.range[0]) {
-                consider((w.centsPerUnit - threshold) / w.centsPerUnit, `${displayName(other)} beats ${displayName(winner)} here if ${currencyLabel(catalog, w.currency)} points are worth less than ${roundDown(threshold)}¢ (you value them at ${num(w.centsPerUnit)}¢).`);
+                consider((w.centsPerUnit - threshold) / w.centsPerUnit, `${displayName(other)} beats ${displayName(winner)} here if ${pointsName(currencyLabel(catalog, w.currency))} are worth less than ${roundDown(threshold)}¢ (you value them at ${num(w.centsPerUnit)}¢).`);
             }
         }
         if (o.range && oRate > 0) {
             const threshold = (winner.effectiveReturnPct + other.fee) / oRate;
             if (threshold > o.centsPerUnit && threshold <= o.range[1]) {
-                consider((threshold - o.centsPerUnit) / o.centsPerUnit, `${displayName(other)} beats ${displayName(winner)} here if ${currencyLabel(catalog, o.currency)} points are worth ${worthAbove(threshold)} (you value them at ${num(o.centsPerUnit)}¢).`);
+                consider((threshold - o.centsPerUnit) / o.centsPerUnit, `${displayName(other)} beats ${displayName(winner)} here if ${pointsName(currencyLabel(catalog, o.currency))} are worth ${worthAbove(threshold)} (you value them at ${num(o.centsPerUnit)}¢).`);
             }
         }
     }
@@ -256,7 +268,19 @@ function assumptionsFor(catalog, merchant, purchase, entries) {
         assumptions.push(`Ranks purchases that code as ${categoryPhrase(catalog, merchant.category)}.`);
     }
     else if (merchant.category === 'other') {
-        assumptions.push(`Assumes ${merchant.resolvedName} falls outside the usual bonus categories.`);
+        // A card whose rule names this store by name (Audible on Amex's
+        // streaming list) earns its bonus there anyway.
+        const naming = entries.flatMap((e) => {
+            const rule = e.evaluation.best.rule;
+            return rule &&
+                merchant.merchantId !== null &&
+                (rule.match.merchants ?? []).includes(merchant.merchantId)
+                ? [`${displayName(e)} (${ruleWhat(catalog, rule)})`]
+                : [];
+        });
+        assumptions.push(naming.length === 0
+            ? `Assumes ${merchant.resolvedName} falls outside the usual bonus categories.`
+            : `Assumes ${merchant.resolvedName} falls outside the usual bonus categories, except on cards that name it: ${listed(naming)}.`);
     }
     else {
         assumptions.push(codesAs(catalog, merchant));
@@ -274,7 +298,7 @@ function assumptionsFor(catalog, merchant, purchase, entries) {
     if (values !== null)
         assumptions.push(values);
     if (isForeign(purchase))
-        assumptions.push('Treats this as a purchase outside the U.S.: each card is ranked after its foreign transaction fee.');
+        assumptions.push(FOREIGN_ASSUMPTION);
     for (const e of entries)
         for (const hit of e.milestones)
             assumptions.push(`Counts the ${money(hit.before)} tracked on ${displayName(e)} in ${hit.period} toward its ${wholeDollars(hit.spend)} spend bonus; spending earnrate wasn't told about isn't counted.`);
@@ -314,9 +338,9 @@ export function recommend(catalog, wallet, purchase, merchant = resolveMerchant(
             const twin = alts.find((e) => e.card.id !== winner.card.id &&
                 alt.effectiveReturnPct - e.effectiveReturnPct <= EPSILON);
             if (alt.card.id !== winner.card.id)
-                warnings.push(`${as}, ${displayName(alt)} wins (${pct(alt.effectiveReturnPct)}).`);
+                warnings.push(`${as}, ${displayName(alt)} wins (${pct(alt.rateReturnPct)}).`);
             else if (twin)
-                warnings.push(`${as}, ${displayName(twin)} earns as much (${pct(twin.effectiveReturnPct)}).`);
+                warnings.push(`${as}, ${displayName(twin)} earns as much (${pct(twin.rateReturnPct)}).`);
         }
     }
     if (!winner) {
@@ -335,7 +359,7 @@ export function recommend(catalog, wallet, purchase, merchant = resolveMerchant(
             ? rankEntries(catalog, wallet, { ...purchase, channel: 'online' }, online, online.category).entries[0]
             : undefined;
         if (alt)
-            warnings.push(`Ordering online instead? ${displayName(alt)} works there (${pct(alt.effectiveReturnPct)}).`);
+            warnings.push(`Ordering online instead? ${displayName(alt)} works there (${pct(alt.rateReturnPct)}).`);
     }
     else if (merchant.accepts === null &&
         (winner.card.network === 'amex' || winner.card.network === 'discover')) {
@@ -360,7 +384,7 @@ export function recommend(catalog, wallet, purchase, merchant = resolveMerchant(
         const alt = rankEntries(catalog, wallet, purchase, via, via.category)
             .entries[0];
         if (alt && alt.effectiveReturnPct > winner.effectiveReturnPct + EPSILON) {
-            notes.push(`If you book it as ${via.resolvedName}, ${displayName(alt)} earns ${pct(alt.effectiveReturnPct)}.`);
+            notes.push(`If you book it as ${via.resolvedName}, ${displayName(alt)} earns ${pct(alt.rateReturnPct)}.`);
         }
     }
     const open = bonusPick(catalog, wallet, entries, purchase.date);
@@ -376,7 +400,7 @@ export function recommend(catalog, wallet, purchase, merchant = resolveMerchant(
     const bonus = open && (open.behind || ties) ? open : null;
     const best = winner?.effectiveReturnPct ?? 0;
     if (open && !bonus && isClose(open.entry.effectiveReturnPct, best)) {
-        notes.push(`${displayName(open.entry)} earns ${pct(open.entry.effectiveReturnPct)} here, ${num(gap)} ${gap === 1 ? 'point' : 'points'} less than ${pct(best)}, and would help its welcome bonus (${money(open.status.remaining ?? 0)} more by ${open.status.deadline ?? ''}). You're on pace, so this uses the higher rate.`);
+        notes.push(`${displayName(open.entry)} earns ${pct(open.entry.rateReturnPct)} here, ${num(gap)} ${gap === 1 ? 'point' : 'points'} less than ${pct(best)}, and would help its welcome bonus (${money(open.status.remaining ?? 0)} more by ${open.status.deadline ?? ''}). You're on pace, so this uses the higher rate.`);
     }
     const chosen = bonus?.entry ?? winner;
     // A tie among the top cards doesn't matter when a welcome bonus decides.
@@ -393,7 +417,9 @@ export function recommend(catalog, wallet, purchase, merchant = resolveMerchant(
         const daysLeft = status.daysLeft ?? 0;
         const costHere = ties || top.earned === null || first.earned === null
             ? null
-            : roundCents(first.earned - top.earned);
+            : roundCents(first.earned +
+                (first.milestoneBonus?.dollars ?? 0) -
+                (top.earned + (top.milestoneBonus?.dollars ?? 0)));
         bonusResult = {
             cardId: top.cardId,
             checkoutLabel: top.checkoutLabel,

package/dist/engine/rule-text.js

@@ -34,10 +34,18 @@ export function ruleParts(catalog, rule) {
     if (rule.match.choice !== undefined)
         return [`your ${choiceName(rule.match.choice)} picks`];
     const merchants = rule.match.merchants ?? [];
-    // A long list of one kind of store reads as "select streaming services".
-    const kinds = new Set(merchants.map((m) => findMerchant(catalog, m)?.category));
-    const [kind] = kinds;
-    const merchantParts = merchants.length > 4 && kinds.size === 1 && kind !== undefined
+    // A long list of mostly one kind of store reads as "select streaming
+    // services": Amex's streaming list also names Audible, which isn't one.
+    const counts = new Map();
+    for (const m of merchants) {
+        const category = findMerchant(catalog, m)?.category;
+        if (category)
+            counts.set(category, (counts.get(category) ?? 0) + 1);
+    }
+    const [kind, count = 0] = [...counts].sort((a, b) => b[1] - a[1])[0] ?? [];
+    const merchantParts = merchants.length > 4 &&
+        kind !== undefined &&
+        count >= merchants.length * 0.75
         ? [`select ${categoryPhrase(catalog, kind)}`]
         : merchants.map((m) => merchantName(catalog, m));
     const parts = [

package/dist/format/recommendation.js

@@ -30,7 +30,10 @@ function cardLines(cards, style, bonusPick) {
     const pctWidth = Math.max(...cards.map((c) => pct(c.effectiveReturnPct).length));
     const lines = [];
     cards.forEach((c) => {
-        const earned = c.earned === null ? '' : `  ${dollarsAndCents(c.earned)}`;
+        const earned = (c.earned === null ? '' : `  ${dollarsAndCents(c.earned)}`) +
+            (c.milestoneBonus === null
+                ? ''
+                : ` + ${money(c.milestoneBonus.dollars)} spend bonus`);
         const pick = c.cardId === bonusPick ? '  ← the pick, for its welcome bonus' : '';
         lines.push(`  ${String(c.rank).padStart(String(rankWidth).length)}. ${label(c).padEnd(nameWidth)}  ${pct(c.effectiveReturnPct).padStart(pctWidth)}${earned}${pick}`);
         for (const r of c.reasoning)
@@ -53,9 +56,12 @@ export function formatRecommendation(rec, purchase, { all = false, style = plain
     const noCard = noCardText(rec.merchant.resolvedName);
     if (rec.decision && top) {
         const earned = top.earned === null ? '' : `, about ${dollarsAndCents(top.earned)}`;
+        const milestone = top.milestoneBonus === null
+            ? ''
+            : `, plus a spend bonus worth about ${money(top.milestoneBonus.dollars)}`;
         const confidence = rec.decision.confidence;
         const why = rec.bonus ? ' for its welcome bonus' : '';
-        lines.push(`${style('bold', `Use ${label(top)}${why}: ${pct(top.effectiveReturnPct)} back${earned}.`)} ${capitalize(confidence)} confidence.`);
+        lines.push(`${style('bold', `Use ${label(top)}${why}: ${pct(top.effectiveReturnPct)} back${earned}${milestone}.`)} ${capitalize(confidence)} confidence.`);
         if (rec.bonus && rec.notes[0])
             lines.push(rec.notes[0]);
     }

package/dist/format/wallet.js

@@ -36,7 +36,7 @@ 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 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 ${cap.period === 'cardmember_year' ? 'this cardmember year' : `for ${cap.currentPeriod ?? ''}`}${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)
@@ -76,7 +76,11 @@ export function formatBooking(amount, cardId, cap, bonus, milestones = []) {
         messages.push([
             `Spend on ${cardId} this year: ${money(first.after)}.`,
             ...reached.map((m) => `That reaches its ${money(m.spend)} spend bonus.`),
-            ...(next ? [`${money(next.spend - next.after)} to its next one.`] : []),
+            ...(next
+                ? [
+                    `${money(next.spend - next.after)} to go for the ${money(next.spend)} spend bonus.`,
+                ]
+                : []),
         ].join(' '));
     }
     return messages.join(' ');

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

@@ -40,6 +40,9 @@ const RankedCardSchema = z.object({
     effectiveReturnPct: z.number(),
     earned: z.number().nullable(),
     foreignFee: z.number().nullable(),
+    milestoneBonus: z
+        .object({ points: z.number(), dollars: z.number() })
+        .nullable(),
     capped: z.boolean(),
     reasoning: z.array(z.string()),
     warnings: z.array(z.string()),

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";
@@ -45,11 +46,28 @@ The wallet lists cards by product id, never card numbers; never ask for card num
 
 ${WHICH_WALLET[savedWallets]} The earnrate extension on the user's computer and the hosted earnrate connector keep separate wallets with the same tools. If both are connected, say which wallet an answer comes from, and ask the user which one to use before saving or recording anything.`;
 export function createEarnrateServer(deps) {
-    const server = new McpServer({ name: MCP_SERVER_NAME, version: deps.version }, { instructions: instructions(deps.savedWallets) });
+    const server = new McpServer({
+        name: MCP_SERVER_NAME,
+        version: deps.version,
+        websiteUrl: 'https://earnrate.dev',
+        icons: [
+            {
+                src: 'https://earnrate.dev/icon-192.png',
+                mimeType: 'image/png',
+                sizes: ['192x192'],
+            },
+            {
+                src: 'https://earnrate.dev/favicon.svg',
+                mimeType: 'image/svg+xml',
+                sizes: ['any'],
+            },
+        ],
+    }, { instructions: instructions(deps.savedWallets) });
     const ctx = makeContext(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 },
@@ -129,7 +130,7 @@ 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. 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: {
@@ -145,7 +146,7 @@ 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

@@ -63,6 +63,7 @@ export function registerWalletTools(server, deps, ctx, inputs) {
         annotations: {
             title: 'List wallet',
             readOnlyHint: true,
+            destructiveHint: false,
             openWorldHint: false,
         },
     }, async () => {

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "earnrate",
-  "version": "0.2.9",
+  "version": "0.2.11",
   "description": "Which credit card earns the most at a merchant, from your cards or every card, and why",
   "keywords": [
     "credit cards",