rightcard-mcp 0.1.3 → 0.1.4

package/dist/engine.js

@@ -48,19 +48,19 @@ function tieNote(winner, runnerUp, value, v) {
     if (wRank > rRank) {
         const winProgram = effectiveProgram(v, winner);
         if (v.mode === "cash" && winProgram !== "cash" && cashOutCPP(winProgram) >= 1.0) {
-            return `${win} ties ${other} at ${rate} — picked ${win}: its points cash out the same, and can be worth more if you ever redeem for travel.`;
+            return `${other} also earns ${rate} here. We picked ${win} because its points cash out the same and can be worth more for travel.`;
         }
         const smart = { mode: "smart", pooledPrograms: v.pooledPrograms };
         if (v.mode === "cash" && centsPerPoint(smart, runnerUp) > 1.0) {
-            return `${win} and ${other} tie at ${rate} for cash. ${other}'s points can be worth more if you redeem for travel — switch to Points & miles to compare.`;
+            return `${other} also earns ${rate} here. Its points can be worth more for travel, so try Points & miles.`;
         }
         const why = v.mode === "smart" ? "transfer flexibility" : "guaranteed cash back";
-        return `${win} ties ${other} at ${rate} — picked ${win} for ${why}.`;
+        return `${other} also earns ${rate} here. We picked ${win} for ${why}.`;
     }
     if (premiumRank(winner) > premiumRank(runnerUp)) {
-        return `${win} ties ${other} at ${rate} — picked ${win}: the premium card's purchase protections come free at the same rate.`;
+        return `${other} also earns ${rate} here. We picked ${win} for its purchase protection.`;
     }
-    return `${win} ties ${other} at ${rate} — either works.`;
+    return `${other} also earns ${rate} here. Either one works.`;
 }
 const PORTAL_BONUSES = [
     { needles: ["sapphire reserve"], rate: 10, portal: "Chase Travel", premium: true },
@@ -202,7 +202,14 @@ function rateContext(card, earn, valueCents, override, configured, v, category,
     }
     else {
         reason = `${card.displayName} earns the most for ${cat} — ${valueStr} per dollar.`;
-        lines.push(`Base ${cat} earn: ${valueStr}`);
+        // Mirrors the Swift engine (Sep 2026): a points/miles card in cash mode
+        // still EARNS points — never blur the earn (4x points) with its value (4%).
+        if (card.rewardCurrency !== null && card.rewardCurrency !== "cashback") {
+            lines.push(`Base ${cat} earn: ${formatMultiplier(earn)} ${earnUnitLabel(v, card)} → ${valueStr}`);
+        }
+        else {
+            lines.push(`Base ${cat} earn: ${valueStr}`);
+        }
     }
     let caption = configured ? "your bonus category · value per $1" : override ? "rotating bonus · value per $1" : "value per $1";
     let valueMath = null;

package/dist/model.d.ts

@@ -36,7 +36,13 @@ export interface Override {
     merchant: string | null;
 }
 export declare function overrideFromRow(r: any): Override;
-/** UTC-day canon (SupabaseDateFormat.utcCalendar): compare yyyy-MM-dd strings as UTC days. */
+/** Compare yyyy-MM-dd strings as UTC days.
+ *
+ *  The iOS app judges windows in the USER'S calendar date (Sep 13 2026: an offer
+ *  or quarter marked 9/30 is live through the end of 9/30 where the user is).
+ *  This server has no user timezone, so it keeps UTC; the two can differ only
+ *  inside the few hours around midnight on a window's first or last day. The
+ *  golden fixture is exported at noon UTC so parity is unaffected. */
 export declare function utcDay(now: Date): string;
 export declare function overrideIsActive(o: Override, now: Date): boolean;
 /** SupabaseOverride.isPermanentMerchantBenefit: merchant-scoped, no activation, ends > 2 years out. */
@@ -54,8 +60,10 @@ export declare function merchantFromRow(r: any): Merchant;
 /** Merchant.exclusionCaveat */
 export declare function exclusionCaveat(m: Merchant): string | null;
 /** Merchant.acceptedNetworksAtRegister — Costco's Visa-only register lock.
- *  null for everything else (no restriction). Costco.com / online rows are
- *  never gated (they take other networks). Mirrors the Swift twin exactly. */
+ *  EVERY physical Costco row (checkout, pharmacy, gas, tire) is Visa-only
+ *  for credit; null for everything else (no restriction). Costco.com /
+ *  online rows are never gated (they take other networks). Mirrors the
+ *  Swift twin exactly. */
 export declare function acceptedNetworksAtRegister(m: Merchant): Set<string> | null;
 /** Merchant.isCuratedBrand */
 export declare function isCuratedBrand(m: Merchant): boolean;

package/dist/model.js

@@ -86,7 +86,13 @@ export function overrideFromRow(r) {
         label: r.label ?? null, merchant: r.merchant ?? null,
     };
 }
-/** UTC-day canon (SupabaseDateFormat.utcCalendar): compare yyyy-MM-dd strings as UTC days. */
+/** Compare yyyy-MM-dd strings as UTC days.
+ *
+ *  The iOS app judges windows in the USER'S calendar date (Sep 13 2026: an offer
+ *  or quarter marked 9/30 is live through the end of 9/30 where the user is).
+ *  This server has no user timezone, so it keeps UTC; the two can differ only
+ *  inside the few hours around midnight on a window's first or last day. The
+ *  golden fixture is exported at noon UTC so parity is unaffected. */
 export function utcDay(now) {
     return now.toISOString().slice(0, 10);
 }
@@ -129,17 +135,28 @@ export function exclusionCaveat(m) {
             return base;
         }
         default:
+            // Physical Costco DEPARTMENTS (pharmacy / gas / tire / …) share the
+            // warehouse's Visa-only registers; their own MCC stays honest (no
+            // "bonuses don't post" clause). Mirrors the Swift engine (Sep 2026).
+            if (acceptedNetworksAtRegister(m) !== null) {
+                return "Costco takes Visa only at the register — this is your best card that works in-store. Other networks work on Costco.com.";
+            }
             return null;
     }
 }
 /** Merchant.acceptedNetworksAtRegister — Costco's Visa-only register lock.
- *  null for everything else (no restriction). Costco.com / online rows are
- *  never gated (they take other networks). Mirrors the Swift twin exactly. */
+ *  EVERY physical Costco row (checkout, pharmacy, gas, tire) is Visa-only
+ *  for credit; null for everything else (no restriction). Costco.com /
+ *  online rows are never gated (they take other networks). Mirrors the
+ *  Swift twin exactly. */
 export function acceptedNetworksAtRegister(m) {
     const name = m.displayName.toLowerCase();
-    if (m.merchantType !== "warehouse_club" || !name.includes("costco"))
+    if (!name.includes("costco"))
         return null;
-    if (m.isOnline || name.includes(".com"))
+    // NAME is the online signal, deliberately not isOnline — the LLM-minted
+    // flag is noise on this family (costco_pharmacy sat is_online=true).
+    // Mirrors the Swift twin exactly.
+    if (name.includes(".com") || name.includes("online"))
         return null;
     return new Set(["visa"]);
 }

package/dist/search.js

@@ -96,7 +96,11 @@ export function matchScore(q, qc, rawQuery, candidates) {
         const words = n.split(" ");
         if (words.slice(1).some((w) => w.startsWith(q)))
             best = Math.max(best, 70);
-        if (n.includes(q))
+        // INTERIOR substring, only for a query long enough to mean something. A 2–3
+        // character query matching mid-word is noise: "LG" returned Algenist,
+        // Bulgari, Trafalgar and the glued alias "naturalgrocers.com" and no LG
+        // (user report, Sep 17 2026). Mirrors Merchant.matchScore in the app.
+        if ([...q].length >= 4 && n.includes(q))
             best = Math.max(best, 55);
         if (best < 45 && merchantMatches(c.raw, rawQuery))
             best = Math.max(best, 45);

package/dist/valuation.d.ts

@@ -1,6 +1,6 @@
 import type { CreditCard } from "./model.js";
 export type ValuationMode = "cash" | "smart";
-export type RewardProgram = "cash" | "amexMR" | "chaseUR" | "capOneMiles" | "citiTYP" | "wellsFargo" | "bilt" | "tdRewards" | "scenePlus" | "rbcAvion" | "bmoRewards" | "hyatt" | "marriott" | "ihg" | "hilton" | "delta" | "united" | "american" | "southwest" | "jetBlue" | "alaska" | "avios" | "aeroplan" | "fixedValue" | "genericPoints" | "genericMiles";
+export type RewardProgram = "cash" | "amexMR" | "chaseUR" | "capOneMiles" | "citiTYP" | "wellsFargo" | "bilt" | "tdRewards" | "scenePlus" | "rbcAvion" | "bmoRewards" | "hyatt" | "marriott" | "ihg" | "choice" | "hilton" | "delta" | "united" | "american" | "southwest" | "jetBlue" | "alaska" | "avios" | "aeroplan" | "fixedValue" | "genericPoints" | "genericMiles";
 export declare const PROGRAM_DISPLAY: Record<RewardProgram, string>;
 export declare const TRAVEL_CPP: Record<RewardProgram, number>;
 /** RewardProgram.cashOutCPP */
@@ -20,7 +20,12 @@ export declare function centsPerPoint(v: Valuation, card: CreditCard): number;
 export declare function valuesPointsAboveCash(v: Valuation, card: CreditCard): boolean;
 export declare function earnUnitLabel(v: Valuation, card: CreditCard): string;
 export declare function basisLabel(v: Valuation, card: CreditCard): string;
-/** Swift String(format: "%.1f") — printf rounds EXACT binary ties to even
- *  (1.25 → "1.2"), where Math.round rounds them up ("1.3"). Surfaced Aug 29
- *  2026 when a live card hit a 1.25x earn and 27 golden cases split. */
+/** Swift String(format: "%.1f") — printf rounds the EXACT binary value, and
+ *  only an exact tie (1.25 is representable) goes to even ("1.2"). Surfaced
+ *  Aug 29 2026 when a live card hit a 1.25x earn and 27 golden cases split.
+ *  Sep 15 2026: the first mirror scaled by 10 first, and 1.5 × 1.1 =
+ *  1.6500000000000001 × 10 landed on exactly 16.5 — a FALSE tie, rounded to
+ *  "1.6" where Swift prints "1.7" (Delta Biz Platinum transit 1.5x @ 1.1¢).
+ *  toFixed(20) is the exact decimal expansion of the double, so a tie is a
+ *  tie only when the digits past the tenths are literally 5000…0. */
 export declare function fmt1(x: number): string;

package/dist/valuation.js

@@ -2,17 +2,19 @@ export const PROGRAM_DISPLAY = {
     cash: "Cash back", amexMR: "Amex Membership Rewards", chaseUR: "Chase Ultimate Rewards",
     capOneMiles: "Capital One miles", citiTYP: "Citi ThankYou Points", wellsFargo: "Wells Fargo Rewards",
     bilt: "Bilt Rewards", tdRewards: "TD Rewards", scenePlus: "Scene+", rbcAvion: "RBC Avion points",
-    bmoRewards: "BMO Rewards", hyatt: "World of Hyatt", marriott: "Marriott Bonvoy", ihg: "IHG One Rewards",
+    bmoRewards: "BMO Rewards", hyatt: "World of Hyatt", marriott: "Marriott Bonvoy", ihg: "IHG One Rewards", choice: "Choice Privileges",
     hilton: "Hilton Honors", delta: "Delta SkyMiles", united: "United MileagePlus",
     american: "American AAdvantage", southwest: "Southwest Rapid Rewards", jetBlue: "JetBlue TrueBlue",
     alaska: "Alaska Mileage Plan", avios: "British Airways Avios", aeroplan: "Air Canada Aeroplan",
     fixedValue: "Fixed-value miles", genericPoints: "Points", genericMiles: "Miles",
 };
 export const TRAVEL_CPP = {
-    cash: 1.0, amexMR: 2.0, chaseUR: 2.0, capOneMiles: 1.7, citiTYP: 1.7, wellsFargo: 1.5, bilt: 2.0,
+    // Sep 2026: median of TPG / Frequent Miler / Upgraded Points / OMAAT, rounded
+    // down, never above (mirrors Swift RewardProgram.travelCPP).
+    cash: 1.0, amexMR: 1.8, chaseUR: 1.8, capOneMiles: 1.7, citiTYP: 1.6, wellsFargo: 1.5, bilt: 1.8,
     tdRewards: 0.5, scenePlus: 1.0, rbcAvion: 1.5, bmoRewards: 0.7,
-    hyatt: 1.7, marriott: 0.7, ihg: 0.6, hilton: 0.5,
-    delta: 1.1, united: 1.3, american: 1.4, southwest: 1.3, jetBlue: 1.3, alaska: 1.4, avios: 1.3, aeroplan: 1.3,
+    hyatt: 1.4, marriott: 0.7, ihg: 0.5, choice: 0.6, hilton: 0.4,
+    delta: 1.1, united: 1.2, american: 1.4, southwest: 1.2, jetBlue: 1.3, alaska: 1.4, avios: 1.2, aeroplan: 1.3,
     fixedValue: 1.0, genericPoints: 2.0, genericMiles: 1.5,
 };
 /** RewardProgram.cashOutCPP */
@@ -40,6 +42,10 @@ export function inferProgram(issuer, id, currency) {
         return "hyatt";
     if (has("ihg"))
         return "ihg";
+    // Choice Privileges (Wells Fargo-issued) must precede the "wells" needle,
+    // which valued these hotel points at 1.5¢ (mirrors Swift, Sep 24 2026).
+    if (has("choice"))
+        return "choice";
     if (has("delta", "skymiles"))
         return "delta";
     if (has("united", "mileageplus"))
@@ -84,6 +90,10 @@ export function inferProgram(issuer, id, currency) {
         return "fixedValue";
     if (has("altitude"))
         return "fixedValue";
+    // GM Rewards (Barclays, Sep 2026): points pegged at 1¢, redeemable only toward
+    // GM — the generic 2¢ fallback read its flat 3x as "6%" (mirrors Swift).
+    if (has("gm_rewards", "gm rewards"))
+        return "fixedValue";
     return currency === "miles" ? "genericMiles" : "genericPoints";
 }
 export function makeValuation(mode = "cash") {
@@ -154,13 +164,23 @@ export function basisLabel(v, card) {
     const pooled = v.pooledPrograms[card.id] !== undefined ? " (pooled with your wallet)" : "";
     return `${PROGRAM_DISPLAY[effectiveProgram(v, card)]} · ${fmt1(cpp)}¢ travel value${pooled}`;
 }
-/** Swift String(format: "%.1f") — printf rounds EXACT binary ties to even
- *  (1.25 → "1.2"), where Math.round rounds them up ("1.3"). Surfaced Aug 29
- *  2026 when a live card hit a 1.25x earn and 27 golden cases split. */
+/** Swift String(format: "%.1f") — printf rounds the EXACT binary value, and
+ *  only an exact tie (1.25 is representable) goes to even ("1.2"). Surfaced
+ *  Aug 29 2026 when a live card hit a 1.25x earn and 27 golden cases split.
+ *  Sep 15 2026: the first mirror scaled by 10 first, and 1.5 × 1.1 =
+ *  1.6500000000000001 × 10 landed on exactly 16.5 — a FALSE tie, rounded to
+ *  "1.6" where Swift prints "1.7" (Delta Biz Platinum transit 1.5x @ 1.1¢).
+ *  toFixed(20) is the exact decimal expansion of the double, so a tie is a
+ *  tie only when the digits past the tenths are literally 5000…0. */
 export function fmt1(x) {
-    const scaled = x * 10;
-    let r = Math.round(scaled);
-    if (scaled - Math.floor(scaled) === 0.5 && r % 2 !== 0)
-        r -= 1;
-    return (r / 10).toFixed(1);
+    const exact = Math.abs(x).toFixed(20);
+    const [ip, fp] = exact.split(".");
+    if (/^[0-9]50{18}$/.test(fp)) {
+        let n = parseInt(ip, 10) * 10 + parseInt(fp[0], 10);
+        if (n % 2 !== 0)
+            n += 1;
+        const s = (n / 10).toFixed(1);
+        return x < 0 ? "-" + s : s;
+    }
+    return x.toFixed(1);
 }

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "rightcard-mcp",
-  "version": "0.1.3",
+  "version": "0.1.4",
   "mcpName": "ai.rightcard/mcp",
   "description": "RightCard MCP — the card-selection oracle for agents. Which of your credit cards to use at any store, from verified data. No bank login.",
   "type": "module",