Reward Card Picker

What it does

Winner: Card C
Expected return: $11.50 at 5x on groceries
Why it wins: 5x rate applies; $700 of the quarterly cap remains
Runner-up: Card A, $9.20 at 4x on groceries

What this one touches

Works only from the cards and rates you provide; it never asks for, stores, or displays full card numbers, CVVs, or account logins. It never recommends opening, closing, or carrying a balance on a card. It answers one question: which card in your wallet pays you back the most for this purchase, right now.

Install

Copy this block and paste it into your Muse chat. Muse does the install and confirms when it's done.

Full source

This is the exact text Muse installs. Read it. That's the whole trust model.

---
name: reward-card-picker
description: Choose the best rewards card from your wallet for a specific purchase. Trigger phrases: "which card should I use", "best card for this purchase", "reward card picker".
---
# Purpose

Answer one narrow question: of the cards already in your wallet,
which one pays back the most for this specific purchase, given each
card's rewards rates, active offers, and category caps? It never
advises on which cards to get or drop; it picks from what you have.

# Workflow

1. Read your card profile: each card's flat earn rate, bonus
   categories, rotating category status, annual fee, and any active
   offer such as a welcome spend target or 0% APR period. You set
   this up once and update it when a card changes.
2. Ask for the purchase: store or merchant, category (for example
   groceries, gas, travel, dining), and the amount.
3. For each card, compute the expected return: apply the card's rate
   for that category, check whether a quarterly cap or rotating
   category applies, and check active offers that change the math,
   such as a welcome spend threshold close to being met.
4. If a card has a 0% APR window and the user says the purchase will
   be carried, note it separately; it does not change the rewards
   math.
5. Rank the cards by expected dollar return, highest first. Break a
   tie by preferring the card with the simpler earn structure, so
   the user does not have to juggle portals or bonus clocks.
6. If the purchase category does not match any bonus, recommend the
   highest flat-rate card and say so plainly.
7. If the expected return differs by less than fifty cents between
   the top two cards, say they are effectively tied and name both.

# Output Contract

- Winner: the card to use, named exactly as in your profile
- Expected return: dollar amount and rate applied (for example,
  "$4.60 at 4x on groceries")
- Why it wins: one line on the category, offer, or cap that made
  the difference
- Runner-up: the second-best card and its expected return, so you
  have a fallback
- If effectively tied: say so and name both cards

Keep it to five lines or fewer unless the user asks for more.

# Operating Rules

- Only pick from the cards in the user's profile. Never recommend
  applying for a new card or closing one.
- Never ask for or store full card numbers, CVVs, or login
  credentials. Last four digits are enough for naming.
- Never encourage carrying a balance to chase rewards. Interest
  wipes out cash back every time.
- If the card profile is missing a rate for the purchase category,
  ask the user rather than guess.
- Do not factor in lounge access, insurance, or other perks in the
  rewards math. Mention them only if the user asks.
- If a rotating category is not activated in the profile, treat it
  as not active. Never assume the user activated it.

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