rightcard-mcp 0.1.5 → 0.1.7

package/dist/configurable.js

@@ -2,25 +2,25 @@ export const CONFIGURABLE_SPECS = [
     {
         key: "amex_business_gold", displayName: "Amex Business Gold", bonusRate: 4, slots: 2,
         eligible: ["dining", "gas", "travel"],
-        note: "4× on the 2 categories your business spends the most on each billing cycle — from restaurants, gas, airfare, advertising, shipping & select tech — on up to $150,000/year (1× after). Of the categories RightCard tracks, pick the up-to-2 you expect: restaurants, gas, or airfare.",
+        note: "4× on the 2 categories your business spends the most on each billing cycle (restaurants, gas, airfare, advertising, shipping and select tech), on up to $150,000/year (1× after). Of the categories RightCard tracks, pick the up-to-2 you expect: restaurants, gas, or airfare.",
         matchNeedles: ["businessgold"], multiCardMax: 1,
     },
     {
         key: "bofa_business_customized", displayName: "BofA Business Advantage Customized Cash", bonusRate: 3, slots: 1,
         eligible: ["gas", "travel"],
-        note: "3% in your chosen business category (plus an automatic 2% at restaurants), on up to $50,000 in combined choice + dining purchases each year (1% after). Of the categories RightCard tracks, the choice is gas or travel — default gas.",
+        note: "3% in your chosen business category (plus an automatic 2% at restaurants), on up to $50,000 in combined choice + dining purchases each year (1% after). Of the categories RightCard tracks, the choice is gas or travel. Gas is the default.",
         matchNeedles: ["businessadvantagecustomized"], multiCardMax: 1,
     },
     {
         key: "bilt_obsidian", displayName: "Bilt Obsidian Card", bonusRate: 3, slots: 1,
         eligible: ["dining", "grocery"],
-        note: "3× on your choice of dining OR grocery, set for the calendar year — pick the one you spend more on (grocery counts up to $25,000/year). Everything else earns 1×.",
+        note: "3× on your choice of dining OR grocery, set for the calendar year. Pick the one you spend more on (grocery counts up to $25,000/year). Everything else earns 1×.",
         matchNeedles: ["obsidian"], multiCardMax: 1,
     },
     {
         key: "citi_custom_cash", displayName: "Citi Custom Cash", bonusRate: 5, slots: 1,
         eligible: ["dining", "grocery", "gas", "travel", "drugstore", "transit", "streaming"],
-        note: "5% on your top eligible category, up to $500 each billing cycle (1% after). Citi applies it to your highest-spend category automatically — set the one you expect so RightCard recommends it.",
+        note: "5% on your top eligible category, up to $500 each billing cycle (1% after). Citi applies it to your highest-spend category automatically. Set the one you expect so RightCard recommends it.",
         matchNeedles: ["customcash"], multiCardMax: 3,
     },
     {
@@ -32,7 +32,7 @@ export const CONFIGURABLE_SPECS = [
     {
         key: "venmo_credit_card", displayName: "Venmo Credit Card", bonusRate: 3, slots: 1,
         eligible: ["dining", "grocery", "gas", "travel", "transit"],
-        note: "3% back on the category you spend most in each month (2% on your second, 1% everywhere else). Venmo applies the tiers automatically from your actual spending — set the category you expect to top so RightCard recommends it there. The 2% tier isn't modeled.",
+        note: "3% back on the category you spend most in each month (2% on your second, 1% everywhere else). Venmo applies the tiers automatically from your actual spending. Set the category you expect to top so RightCard recommends it there. The 2% tier isn't modeled.",
         matchNeedles: ["venmo"], multiCardMax: 1,
     },
 ];

package/dist/engine.js

@@ -162,25 +162,25 @@ function rateContext(card, earn, valueCents, override, configured, v, category,
     const pointsAbove = valuesPointsAboveCash(v, card) && card.rewardCurrency !== null;
     if (configured) {
         const bonusStr = formatPercent(configured.bonusRate);
-        reason = `${card.displayName} is your choose-your-category card — you set ${disp} for ${bonusStr}, the most in your wallet here.`;
+        reason = `${card.displayName} is your choose-your-category card. You set ${disp} for ${bonusStr}, the most in your wallet here.`;
         if (chosenCategoryCount > configured.slots) {
-            reason += ` You hold more than one — use the copy you set for ${disp}.`;
-            lines.push(`${bonusStr} on ${disp} — your chosen category (the ${disp} copy)`);
+            reason += ` You hold more than one. Use the copy you set for ${disp}.`;
+            lines.push(`${bonusStr} on ${disp} · your chosen category (the ${disp} copy)`);
         }
         else {
-            lines.push(`${bonusStr} on ${disp} — your chosen category`);
+            lines.push(`${bonusStr} on ${disp} · your chosen category`);
         }
         lines.push(configured.note);
     }
     else if (override) {
         const scope = override.merchant ? `at ${override.merchant}` : cat;
         if (isPermanentMerchantBenefit(override, now)) {
-            reason = `${card.displayName} earns ${valueStr} ${scope} — the most in your wallet here.`;
-            lines.push(`${valueStr} ${scope} — card benefit`);
+            reason = `${card.displayName} earns ${valueStr} ${scope}, the most in your wallet here.`;
+            lines.push(`${valueStr} ${scope} · card benefit`);
         }
         else {
             const what = override.label ?? `${formatPercent(override.bonusRate)} rotating ${scope} bonus`;
-            reason = `${card.displayName} has a rotating bonus ${scope} active right now — ${valueStr} this quarter, the most in your wallet.`;
+            reason = `${card.displayName} has a rotating bonus ${scope} active right now: ${valueStr} this quarter, the most in your wallet.`;
             lines.push(`Rotating bonus: ${what}`);
         }
         if (pointsAbove) {
@@ -196,12 +196,12 @@ function rateContext(card, earn, valueCents, override, configured, v, category,
         const earnStr = formatMultiplier(earn);
         const unit = earnUnitLabel(v, card);
         const cppStr = fmt1(centsPerPoint(v, card));
-        reason = `${card.displayName} earns ${earnStr} ${unit} on ${cat} — at ${cppStr}¢ each that's ${valueStr} per dollar, the most in your wallet.`;
+        reason = `${card.displayName} earns ${earnStr} ${unit} on ${cat}. At ${cppStr}¢ each, that's ${valueStr} per dollar, the most in your wallet.`;
         lines.push(`Earns ${earnStr} ${unit}`);
         lines.push(`Valued at ${cppStr}¢/pt → ${valueStr} per $1`);
     }
     else {
-        reason = `${card.displayName} earns the most for ${cat} — ${valueStr} per dollar.`;
+        reason = `${card.displayName} earns the most for ${cat}: ${valueStr} per dollar.`;
         // 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") {

package/dist/model.js

@@ -123,9 +123,9 @@ export function merchantFromRow(r) {
 export function exclusionCaveat(m) {
     switch (m.merchantType) {
         case "superstore":
-            return `${m.displayName} usually codes as a superstore (not a supermarket), so grocery bonuses often don't post — this is your best guaranteed card.`;
+            return `${m.displayName} usually codes as a superstore (not a supermarket), so grocery bonuses often don't post. This is your best guaranteed card.`;
         case "warehouse_club": {
-            const base = `${m.displayName} codes as a warehouse club, so category bonuses usually don't post — this is your best guaranteed card.`;
+            const base = `${m.displayName} codes as a warehouse club, so category bonuses usually don't post. This is your best guaranteed card.`;
             // Costco alone is also NETWORK-locked: warehouse registers take Visa
             // only (Costco.com takes other networks). Mirrors the Swift engine —
             // keep both sides identical or the parity gate fails.
@@ -139,7 +139,7 @@ export function exclusionCaveat(m) {
             // 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 "Costco takes Visa only at the register. This is your best card that works in-store. Other networks work on Costco.com.";
             }
             return null;
     }

package/dist/valuation.js

@@ -72,6 +72,10 @@ export function inferProgram(issuer, id, currency) {
         return "rbcAvion";
     if (has("bmo"))
         return "bmoRewards";
+    // Navy Federal points: ~1¢, no transfer partners. Before the Amex needle:
+    // "More Rewards American Express" is a Navy Federal card (mirrors Swift, Oct 5 2026).
+    if (has("navy"))
+        return "fixedValue";
     if (has("amex", "american express", "membership"))
         return "amexMR";
     if (has("chase", "sapphire", "freedom", "ink"))

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "rightcard-mcp",
-  "version": "0.1.5",
+  "version": "0.1.7",
   "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",