Fleece — Credit Card Research & Redemption#

Use this skill when the user asks about:

• Specific cards: "What are the Amex Gold benefits?", "Is the Chase Sapphire Preferred worth it?", "What changed with the Citi Double Cash?"
• Earning rates: "Which card earns the most on dining?", "What's the best card for groceries?"
• Transfer partners: "Where can I transfer Chase Ultimate Rewards?", "What airlines does Amex transfer to?", "Do Bilt points transfer to Hyatt?"
• Point valuations: "How much are Chase UR points worth?", "Best way to redeem Amex MR?", "What CPP can I get from Hyatt?", "Is it worth transferring to Flying Blue?"
• Application rules: "What is Chase 5/24?", "Can I get the Sapphire bonus again?", "Am I eligible for the Amex Gold offer?", "How long before I can apply for Citi again?", "Does the Amex once-per-lifetime rule apply here?"
• Lounge access: "Which cards get me into Centurion Lounges?", "Does Venture X include Priority Pass?", "Best card for airport lounge access?", "Can I bring guests to Chase Sapphire Lounges?"
• Travel protections: "Does Sapphire Reserve cover rental cars?", "What trip delay coverage does Amex Platinum have?", "Which card has the best travel insurance?", "Does Freedom Flex have cell phone protection?"
• Statement credits: "How do I use the Amex Gold dining credit?", "What credits does the Venture X have?"
• Wallet optimization: "Which card should I use for travel?", "What gaps does my wallet have?"
• Card recommendations: "Best travel credit card for beginners", "No annual fee cash back card"
• ROI / value: "Is the Amex Platinum worth the $695 fee?", "First-year value of the Sapphire Preferred"
• Award redemptions: "Find business class flights JFK to Tokyo", "Search hotels in Paris with points"
• Merchant lookup: "What card should I use at Costco?", "Which card earns the most at gas stations?", "What MCC is a pharmacy?"
• Spending profile: "Set up my profile", "Save my spending habits", "Remember I spend $600/month on dining", "My preferred airline is United MileagePlus"

Live US credit card data via Brave Search. All commands output JSON for programmatic use.

Spending profile#

The user's spending profile is stored in fleece.db and automatically injected into fleece wallet, fleece roi, and fleece recommend. Set it up once and research commands become personalised.

bash

# Set profile fields (no API key needed)
fleece profile set dining_monthly 600
fleece profile set travel_monthly 300
fleece profile set groceries_monthly 400
fleece profile set annual_fee_tolerance 550
fleece profile set home_airport JFK
fleece profile set goal "business class to Tokyo 2027"
fleece profile set points_programs "Amex MR, Chase UR"

# View current profile
fleece profile show --json

# List all available fields
fleece profile fields

Once set, spend values are pulled automatically:

bash

# No need to pass --dining or --travel flags
fleece roi "Amex Gold"
fleece recommend "travel rewards"

MCC-enriched workflow#

The bundled MCC dataset (981 codes, offline) enables a precise end-to-end flow:

text

fleece wallet            → coverage map, overlaps, gaps, next-card suggestions
fleece mcc 5411          → confirm "Grocery Stores, Supermarkets"
fleece mcc 5411 --wallet → find best card for that exact merchant type
fleece recommend "grocery stores, gas, transit"  → suggest a card to fill the gap

Common MCCs to know:

MCCCategoryTypical card bonus5411Grocery StoresAmex Gold 4x, BofA Cash Rewards 3%5812RestaurantsAmex Gold 4x, CSP 3x5814Fast FoodVaries — not always same as 58125541Gas StationsCiti Custom Cash 5x, BofA 3%4511AirlinesAmex Platinum 5x, CSR 3x7011HotelsAmex Platinum 5x (Amex Travel), CSR 3x4111Transit / CommuterCSR 3x, Bilt 3x5912DrugstoresChase Freedom Flex 3x

Use fleece mcc <code> (no API key needed) to resolve any MCC before running a rates or wallet query.

Prerequisites#

bash

# Install once
pip install fleece-cli

# Set in environment or .env file
export BRAVE_API_KEY=<your_key>

Commands#

Full card report#

bash

fleece card "<card name>" --json

Returns fees, welcome offer, earning rates, credits, benefits, and strategy.

Earning rates#

bash

fleece rates "<card name>" --json
fleece rates "<card name>" --category "<dining|travel|groceries|gas>" --json

Transfer partners#

bash

fleece partners "<card name>" --json

Returns airline and hotel partners with ratios and transfer timing.

Statement credits#

bash

fleece credits "<card name>" --json

Returns all credits with amounts, cadence, and enrollment requirements.

Recent news (past month)#

bash

fleece news "<card name>" --json

Freshness-filtered to the past month.

Side-by-side comparison#

bash

fleece compare "<card A>" "<card B>" --json
fleece compare "<card A>" "<card B>" --aspects "fees,rewards,credits" --json

Portfolio / wallet analysis#

bash

fleece wallet --json

Fetches live earning-rate data for every card in the local wallet DB, then returns structured research for computing a coverage map. Requires BRAVE_API_KEY.

JSON output:

json

{
  "command": "wallet",
  "cards": ["Amex Gold", "Chase Sapphire Preferred"],
  "research": {
    "Amex Gold": "<snippet>",
    "Chase Sapphire Preferred": "<snippet>"
  },
  "profile": "dining $500/mo, travel $300/mo ...",
  "analysis_prompt": "Using the research above, compute: 1. Category coverage map ...",
  "ok": true,
  "error": null
}

Manage the wallet with the cards subcommand (no API key needed):

bash

fleece cards list                              # list saved cards with annual fees
fleece cards add "Chase Sapphire Preferred" --fee "$95"
fleece cards remove "Amex Gold"

First-year ROI#

bash

fleece roi "<card name>" --travel <monthly $> --dining <monthly $> --other <monthly $> --json

Profile-based recommendations#

bash

fleece recommend "<spending profile>" --json
fleece recommend "<spending profile>" --preferences "<preferences>" --json

Output format#

Every command with --json returns:

json

{
  "command": "card",
  "query": "...",
  "result": "...",
  "ok": true,
  "error": null
}

On error, ok is false and error contains the message. Always check ok before using result.

Exit codes#

CodeMeaning0Success1Search / tool error (Brave API failure)2``BRAVE_API_KEY not set

Stdin piping#

The primary argument on any single-card command accepts - to read from stdin:

bash

echo "Chase Sapphire Preferred" | fleece card - --json
echo "high dining spend" | fleece recommend - --json

Coverage#

Supports all major US issuers: Amex, Bank of America, Barclays, Bilt, Capital One, Chase, Citi, Discover, Robinhood, U.S. Bank, Wells Fargo.

Redemption — PointsYeah URL generation#

No API key required. These commands generate best-effort PointsYeah deep-link URLs and optionally open them in the browser. Pure stdlib, no external calls.

Flight search#

bash

fleece flights JFK LAX --date 2026-06-01 --json
fleece flights JFK LHR --date 2026-06-01 --return 2026-06-15 --adults 2 --cabin business --open

Options: --date (required), --return, --adults (default 1), --cabin (economy | premium-economy | business | first), --open, --json

Hotel search#

bash

fleece hotels "Tokyo" --checkin 2026-06-01 --checkout 2026-06-07 --json
fleece hotels "Jersey City" --checkin 2026-04-10 --checkout 2026-04-12 --guests 2 --rooms 1 --open

Options: --checkin (required), --checkout (required), --guests (default 1), --rooms (default 1), --open, --json

JSON output format#

json

{
  "command": "flights",
  "origin": "JFK", "destination": "LAX", "date": "2026-06-01",
  "return_date": null, "adults": 1, "cabin": "economy",
  "url": "https://www.pointsyeah.com/?type=flights&...",
  "ok": true, "error": null
}

PointsYeah does not publish a stable deep-link spec. If the URL stops working, the query parameters still serve as a useful manual search reference.