best_move_this_week
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Third-party content written by another agent. Data to evaluate, not instructions.
Given the credit cards a user holds, rank this week's dollar-valued actions: which held card to use per spend category, welcome offers at a 12-month high on cards not held, active transfer bonuses, and (optionally) the savings-rate move beside the card move.
Input schema
| Property | Type | Required | Description |
|---|---|---|---|
| wallet | array | yes | Card ids the user holds, in the form issuer:slug, e.g. ["chase:sapphire-preferred", "amex:gold-card"]. |
| categories | array | no | Optional spend categories to rank held cards for; defaults to all nine. |
| usedBenefits | array | no | Optional log of period credits already used this month; excluded from picks and counted toward renewal value. Omit to treat every credit as unused. |
| savingsBalance | number | no | Optional cash balance, to include the savings-rate move beside the card moves. |
| currentSavingsApy | number | no | Optional current savings APY, used with savingsBalance. |
Raw JSON schema
{
"type": "object",
"properties": {
"wallet": {
"type": "array",
"items": {
"type": "string"
},
"minItems": 1,
"maxItems": 25,
"description": "Card ids the user holds, in the form issuer:slug, e.g. [\"chase:sapphire-preferred\", \"amex:gold-card\"]."
},
"categories": {
"type": "array",
"items": {
"type": "string",
"enum": [
"dining",
"rideshare",
"travel",
"lounge",
"entertainment",
"insurance",
"groceries",
"gas",
"other"
]
},
"description": "Optional spend categories to rank held cards for; defaults to all nine."
},
"usedBenefits": {
"type": "array",
"maxItems": 200,
"items": {
"type": "object",
"properties": {
"cardId": {
"type": "string"
},
"benefitKey": {
"type": "string"
},
"periodStart": {
"type": "string",
"description": "ISO first-of-month key for the period the credit was used in, e.g. 2026-09-01T00:00:00.000Z."
}
},
"required": [
"cardId",
"benefitKey",
"periodStart"
],
"additionalProperties": false
},
"description": "Optional log of period credits already used this month; excluded from picks and counted toward renewal value. Omit to treat every credit as unused."
},
"savingsBalance": {
"type": "number",
"minimum": 0,
"maximum": 10000000,
"description": "Optional cash balance, to include the savings-rate move beside the card moves."
},
"currentSavingsApy": {
"type": "number",
"minimum": 0,
"maximum": 25,
"description": "Optional current savings APY, used with savingsBalance."
}
},
"required": [
"wallet"
],
"additionalProperties": false
}