A Clawdbot skill that helps you maximize credit card rewards by always recommending the best card for every purchase. Tracks annual spending caps, calculates annual fee ROI, identifies coverage gaps, and suggests new cards based on your spending patterns.
- Purchase recommendations — Instantly tells you which card to use for any purchase or category
- Cap-aware suggestions — Tracks annual/quarterly spending caps and warns when you're close to exhausting bonus rates
- Amex fallback warnings — Always provides a Visa/Mastercard alternative when recommending Amex cards
- Annual fee ROI analysis — Calculates whether each fee card is earning its keep based on your spending
- Gap analysis — Identifies categories where you're leaving rewards on the table
- New card recommendations — Suggests cards that would add the most value based on your spending patterns
- Rotating quarterly category management — Tracks Chase Freedom Flex, Discover It, and other rotating category cards with activation reminders
- Merchant-to-category mapping — Automatically maps merchants (Costco, Kroger, DoorDash, etc.) to the correct reward category
- Point/mile valuation support — Compares cashback and points cards using cents-per-point valuations for apples-to-apples comparison
clawdhub install card-optimizer- Copy
SKILL.mdinto your Clawdbot workspace:skills/card-optimizer/SKILL.md - Create the data directory for your personal card data:
data/card-optimizer/ - Start chatting — the skill will walk you through setup on first use.
The first time you use the skill, it will:
- Ask what credit cards you have — Just name them and it will look up current reward structures
- Build your card database — Creates
data/card-optimizer/cards.jsonwith all your cards, rates, caps, and categories - Ask for spending estimates — Optional monthly estimates per category (groceries, gas, dining, etc.) to power ROI calculations and gap analysis
- Generate a category map — Precomputes the optimal card for every spending category
- Run an initial optimization report — Shows your best card per category and identifies any gaps
This skill follows Clawdbot's data separation convention:
skills/card-optimizer/
└── SKILL.md # Skill logic (this repo — shareable, portable)
data/card-optimizer/
└── cards.json # Your cards, rates, caps, spending estimates (personal — not shared)
Skills get updated independently of your data. Your card configurations persist across skill updates.
| You Say | What Happens |
|---|---|
| "Which card for groceries?" | Recommends your best grocery card with rate, cap info, and fallback |
| "I'm buying gas at Shell" | Maps Shell → gas category → best card recommendation |
| "Annual fee worth it?" | ROI analysis for every card with an annual fee |
| "What cards should I get?" | New card recommendations based on your spending gaps |
| "Card optimization report" | Full gap analysis with actionable suggestions |
| "Add a new card" | Walks through adding a card and recalculates optimal assignments |
| "Remove a card" | Removes a card and shows updated coverage |
| "Activate Q2 categories" | Updates quarterly activation status for rotating category cards |
| "Does Costco take Amex?" | Network acceptance info (Costco is Visa-only in store) |
| "What are my cards?" | Lists all your cards with key rates |
| "Update my spending estimates" | Revises your estimated monthly spending per category |
- Clawdbot v1.0+
- No API keys required
- No external services — runs entirely within your Clawdbot workspace
MIT — Copyright 2026 Scott (ScotTFO)