card-valuelisted

# Card Value Return a compact first-year value estimate for one exact card variant. ## When To Use When the user asks about a card's value, worth, or first-year return. Trigger phrases: "card-value", "is it worth it", "first year value", "value estimate", "how much is the card worth". ## Input Format The user provides a card name followed by an optional spending breakdown: - `card-value Chase Sapphire Preferred` — uses default spend profile - `card-value Chase Sapphire Preferred $500/mo dining, $200/mo travel, $3000/mo other` — uses provided breakdown Default moderate-spender profile (if none given): $500/mo dining, $200/mo travel, $100/mo streaming, $200/mo groceries, $2000/mo other. ## Workflow 1. **Resolve card identity** — normalize and match to one exact variant. If ambiguous, return a numbered choice list and stop. 2. **Search** — use `WebSearch` by default for current welcome offer and fee details. If `BRAVE_API_KEY` is available and `curl` exists, you may use one Brave Search API call instead. 3. **Fetch pages** — use `WebFetch` by default to fetch the issuer and approved secondary pages before deciding whether another search is needed. 4. **Pace any follow-up searches** — if another search is needed, wait briefly instead of bursting requests. 5. **Research** — collect annual fee, welcome offer (bonus + spend requirement), earning rates by category, and statement credits. 6. **Compute** — `first_year_value = welcome_bonus_value + annual_earn_value + total_cred