Credit card stack

Skill eidos-agi/eidos-travel-hub/skills/credit-card-stack

Given a spend profile and travel goals, design the optimal 2-3 card stack — which cards to hold, which category each card wins, and whether the annual fees justify the benefits.From its SKILL.md

Install

npx -y skills add eidos-agi/eidos-travel-hub --skill credit-card-stack

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One thing to look at

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SKILL.md

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Credit Card Stack Designer

Most people are leaving 1–2% on the table by putting everything on one card. The right stack is 2-3 cards that cover all major spend categories, justified by annual fee math.

Contract

{
  "$schema": "https://json-schema.org/draft/2020-12",
  "title": "Credit Card Stack",
  "purpose": "Design an optimal credit card stack for a given spend profile and travel goal. Show which card wins each category, estimate annual value, and prove the annual fees are justified.",
  "constraints": [
    "Stack should be 2-4 cards maximum — complexity kills compliance",
    "Annual fee math must be explicit: benefits_value - annual_fees = net_value",
    "Flag 5/24 status if Chase cards are recommended (Chase rejects if 5+ new cards in 24 months)",
    "Flag if user mentioned existing cards that conflict (e.g. already has Sapphire Preferred → recommend Reserve upgrade path or vice versa)",
    "Include a 'day one' action: what to apply for first and why"
  ],
  "required": ["spend_profile", "travel_goal", "stack", "annual_fee_math", "day_one"],
  "properties": {
    "spend_profile": { "type": "object", "description": "Category → annual spend in dollars" },
    "travel_goal": { "type": "string" },
    "stack": {
      "type": "array",
      "items": {
        "required": ["card", "annual_fee", "wins_categories", "key_benefits", "estimated_annual_value"],
        "properties": {
          "card":                   { "type": "string" },
          "annual_fee":             { "type": "integer" },
          "wins_categories":        { "type": "array", "items": { "type": "string" } },
          "key_benefits":           { "type": "array", "items": { "type": "string" } },
          "estimated_annual_value": { "type": "integer", "description": "Dollars of value: points + credits + perks" },
          "signup_bonus":           { "type": ["string", "null"] }
        }
      }
    },
    "annual_fee_math": {
      "type": "object",
      "required": ["total_fees", "total_value", "net_value"],
      "properties": {
        "total_fees":  { "type": "integer" },
        "total_value": { "type": "integer" },
        "net_value":   { "type": "integer" }
      }
    },
    "day_one": { "type": "string", "description": "First card to apply for and why" },
    "warnings": { "type": "array", "items": { "type": "string" } }
  }
}

Common winning stacks

The MR Maximizer (Amex-heavy, high spend)

Amex Platinum ($695) — travel, lounge access, airline/hotel credits
Amex Gold ($250) — dining (4x), groceries (4x)
Amex Blue Business Plus (no AF) — everything else (2x MR)

The UR Engine (Chase-heavy, flexibility)

Chase Sapphire Reserve ($550) — travel + dining (3x UR)
Chase Freedom Unlimited (no AF) — everything else (1.5x UR)
Chase Ink Business Cash (no AF) — office/telecom (5x UR)

The Hybrid (best of both, complex but powerful)

Amex Gold — dining + groceries
Chase Sapphire Reserve — travel
Chase Freedom Unlimited — everything else
Capital One Venture X — backup lounge + travel credit

The Lean Stack (2 cards, low complexity)

Capital One Venture X ($395) — travel credit covers AF, Priority Pass, 2x everything
Citi Double Cash (no AF) — 2% cash or 2x TY on non-travel

What ships with it

Read from the repository