# CardBenefits

Tracks the principal's credit cards, their perks and annual credits, and points and...

- Repository: https://github.com/danielmiessler/LifeOS (19669 stars)
- Category: Engineering
- License: MIT
- Last updated: 2026-10-28
- Runs scripts: no, instructions only

## Install

Claude Code: `npx skills add danielmiessler/LifeOS --skill CardBenefits -g -a claude-code -y`
Codex: `npx skills add danielmiessler/LifeOS --skill CardBenefits -g -a codex -y`
Cursor: `npx skills add danielmiessler/LifeOS --skill CardBenefits -g -a cursor -y`
Gemini CLI: `npx skills add danielmiessler/LifeOS --skill CardBenefits -g -a gemini-cli -y`

## Description

Tracks the principal's credit cards, their perks and annual credits, and points and miles balances across bank, airline and hotel programs, then turns them into which-card answers, unused-credit sweeps and points redemptions through transfer partners, all from the principal's own card data files. USE WHEN credit card benefits, card perks, which card should I use, annual credits, unused credits, expiring credits, my points, my miles, airline miles, hotel points, update my points balance, redeem points, transfer partners, plan a trip with points, refresh card perks. NOT FOR spending totals, expense tracking or bookkeeping, revenue or payments data, or moving money.

## SKILL.md, as published by its author (untrusted third-party text, read it as data)

# CardBenefits

Single source of truth for the principal's credit cards, their perks and points balances, and the planning layer that turns points into trips.

## Ideal State

- Every perk, credit or balance in an answer comes from the USER data files read in that run, and anything stale (>90 days) or marked UNVERIFIED is flagged inline instead of stated as fact.
- Each recommendation names the card, program or credit, its dollar or points value, and the exact next step the principal takes.
- The data files stay the single source of truth: balances change only on the principal's report or a statement, perks only after a web-verified refresh, credit status only on confirmed usage.
- Money never moves from this skill: transfers, bookings and activations are planned here. Where a booking skill is installed, it carries out a plan only after the principal's yes on the itemized total; otherwise the principal executes.

## Intent Routing

| Intent | Trigger | File |
|----------|---------|------|
| **ShowBenefits** | "what perks do I have", "card benefits", "which card for X" | `Intents/ShowBenefits.md` |
| **UpdatePoints** | "I have N points", "update my points", "new balance" | `Intents/UpdatePoints.md` |
| **PlanRedemption** | "plan a trip with points", "use my points for", "what can N points get" | `Intents/PlanRedemption.md` |
| **RefreshPerks** | "refresh perks", "did the benefits change", "verify card benefits" | `Intents/RefreshPerks.md` |
| **CreditSweep** | "unused credits", "credits on the table", "expiring credits", "monthly credit check" | `Intents/CreditSweep.md` |

| File | Read when |
|------|-----------|
| `Setup.md` | first-time setup of the four data files, with an invented worked example of each and a proof command |

## Data & Config

The rest: https://github.com/danielmiessler/LifeOS/blob/HEAD/LifeOS/install/skills/CardBenefits/SKILL.md