Pikt

Returns a compact action list from tracked welcome-bonus progress, category caps that run out before they reset this period, expiring credits, annual-fee coverage, and activation-required offers. Use it when the member asks what needs attention across the wallet. The result is a current snapshot rather than automatic monitoring.

audit_wallet

Compares a wallet card's annual fee with a full card year of tracked, recently verified credits (used this card year and still claimable before renewal), flags credit value at risk, and reports when the card's credit data is incomplete. Use it when the member asks whether a card appears to earn its keep at renewal. The result does not close, downgrade, or change an account.

keep_card

Lists every card in the member's Pikt wallet: display name, issuer, whether it is the default card, card color, wallet label, headline earn rates by category with each rate's value as a percent of spend at the member's saved point valuations, and the wallet card that returns the most in each bonus category by that value. Use it when the member asks which cards they have in Pikt. The list is the complete wallet.

my_cards

Lists live issuer offers that match cards in the member's Pikt wallet, optionally for one store: the reward, the card, the issuer app where the offer is managed, the end date, a confidence level, an estimated dollar amount for each offer, and whether the offer must be activated in the issuer's app before it pays. Use it when the member asks which offers are available across their wallet or at a store.

my_offers

Checks curated issuer offers for a planned merchant and identifies offers that may need activation before spending. Use it when the member asks whether an offer is worth checking or activating. Issuer targeting and current activation state remain available only in the issuer app.

offer_activation_advice

Compares upcoming purchases across the member's wallet and includes tracked welcome-bonus progress and category-cap forecasts. Each row is a store purchase or spending category with an amount in USD. Pikt checks every row on its own, using the same card rates and saved point values as which_card. Category caps reset each period, so a forecast gives a run-out month only when the cap runs out before it resets. Use it to compare a budget or a set of upcoming purchases. The result is a plan and does not move spending.

plan_spending

Checks the member's wallet for verified card benefits tied to a planned purchase: merchant credits, plus purchase protection, extended warranty, and rental car damage coverage read from issuer benefit guides, with limits, conditions, source links, and verification dates. Use it when the member asks whether an existing card has a credit or protection that matters before buying or renting, such as which card covers a new laptop or a rental car. The result covers card benefits, not whether the item itself is affordable.

purchase_benefits

Suggests a wallet card for a recurring monthly bill by running the same purchase-routing engine used by Card Check. Use it when the member asks where to place a subscription, utility, phone, or other recurring charge. The result does not access the merchant account or change its payment method.

recurring_bill_card

Compares the net value of a points or miles redemption with a supplied target or the member's saved valuation, after award fees and cash rewards forgone. Use it when the member asks whether to use rewards or pay cash for the same purchase. The result is an estimate and does not book travel or transfer points.

redeem_or_pay_cash

Plans which of the member's own cards to carry on a trip abroad: a primary card and a backup, ranked by rewards minus each card's foreign transaction fee on hotel, dining, transit, and general spend (or supplied trip purchases). A card that is rarely accepted in the country can still be the primary; the backup is then a widely accepted Visa or Mastercard. Use it when the member asks which cards to bring on a trip. The summary field states the answer in plain words. Values are estimates in USD; the result does not convert currencies.

trip_wallet