CardRadar 💳

你的個人信用卡回饋哨兵——丟一個消費情境，立刻告訴你「該刷哪張卡、實際拿多少」。

Your personal credit-card rewards sentinel — describe a purchase, and it instantly tells you which card to use and how much you'll actually earn.

CardRadar 是一個 Claude Skill。它把你手上每一張卡、每一個通路的回饋規則，集中記在你自己的 Notion 資料庫裡；查詢時即時讀取、依「實拿金額」排名，給你一個可以直接行動的答案。Skill 本身不儲存任何回饋數字、不寫死任何帳號 ID 或個人資料——所有機敏與個人化內容都留在本機、被 .gitignore 排除的檔案中。

CardRadar is a Claude Skill. It keeps every card-and-channel rewards rule in your own Notion database, reads it live on each query, ranks options by actual cash earned (not headline rate), and hands you an answer you can act on immediately. The Skill itself stores no reward figures and hard-codes no account IDs or personal data — everything sensitive lives in local, git-ignored files.

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為什麼是「實拿」 · Why "actual earnings"

回饋率會騙人，因為幾乎每張卡都有每月上限。CardRadar 一律用下面這條公式排名，而不是比誰的百分比漂亮：

Reward rates are misleading because almost every card caps the monthly payout. CardRadar always ranks by the formula below, never by whose percentage looks prettiest:

實拿 actual = min(消費金額 amount × 回饋率 rate, 每月上限 monthly cap)

刷得越少，越接近純比率比較；刷得越多，上限越關鍵。 The less you spend, the closer it is to a pure rate comparison; the more you spend, the more the cap decides the winner.

三條鐵則 · Three core rules

1. 算實拿，不比率 — 以 min(金額 × 率, 上限) 排名。 Actual over rate — rank by min(amount × rate, cap).
2. 只認你在用的支付 — 不在你支付清單裡的行動支付，其綁定加碼一律不計入。 Only your wallets count — bonuses tied to mobile wallets you don't use are excluded.
3. 誠實標狀態 — 新增／更新時有疑惑當場向你釐清，確認後直接寫「生效」；已失效不列入、即將到期會提醒。 Honest status — anything unclear is clarified with you on the spot before writing, then saved as active; expired rows are dropped, soon-to-expire ones flagged.

運作方式 · How it works

/card 觸發 trigger
   ↓ 讀 Notion 規則表（逐列 fetch）read the Notion rules DB (row by row)
   ↓ 套用通路特例與支付限制 apply channel quirks & wallet limits
   ↓ 依「實拿」排名 rank by actual earnings
   ↓ 回報最優卡 + 封頂點 + 注意事項 report best card, cap point, caveats

安裝與設定 · Setup

1. 把 cardradar/ 資料夾放進你的 Claude skills 目錄（例如 ~/.claude/skills/cardradar/）。 Drop the cardradar/ folder into your Claude skills directory (e.g. ~/.claude/skills/cardradar/).

2. 複製範本為本機設定，並填入你自己的值： Copy the templates to local config and fill in your own values:

   cp cardradar/config.example.json  cardradar/config.local.json
   cp cardradar/profile.example.json cardradar/profile.local.json
   cp cardradar/habits.example.json  cardradar/habits.local.json   # 選填 optional

   • config.local.json — 你的 Notion 規則表 data source id、DB 連結，以及選填的逐列 page ID 索引。 Your Notion data source id, DB link, and an optional row-level page-ID index.
   • profile.local.json — 你的持卡資料：實際卡片、使用的行動支付與配對、會員等級／戶況、點數形式。 Your card data: actual cards, wallets in use and their pairings, membership tier/status, point types.
   • habits.local.json（選填）— 你的消費習慣：常用通路、常用支付、消費面向。留空也行——CardRadar 會在你每次查詢／更新回饋時自動學習累加，並在更新後率先依習慣產出摘要與推薦。 (Optional) Your spending habits: frequent channels, wallets, and categories. Leave it empty — CardRadar auto-learns from each query/update and, after every rewards update, leads with a habit-based summary & recommendations.

3. 在 Notion 建好「信用卡回饋規則表」資料庫——欄位定義見 cardradar/SKILL.md 的 DB schema 一節。 Create the "credit-card rewards" database in Notion — see the DB schema section in cardradar/SKILL.md for the exact fields.

⚠️ config.local.json 與 profile.local.json 已被 .gitignore 排除，永遠不會上傳。請勿把真實 ID 或個資寫進 *.example.json 或 SKILL.md。

⚠️ config.local.json and profile.local.json are git-ignored and never committed. Never put real IDs or personal data into *.example.json or SKILL.md.

用法 · Usage

指令 Command	作用 What it does
/card <消費情境 scenario>	查最優卡 Find the best card — 例 e.g. /card 全聯怎麼付、/card 高鐵票6000刷哪張
/card 新增 <卡名 card>	查官方資料、新增回饋列（有疑惑當場釐清後寫入）Look up official terms, add reward rows (clarifying anything unclear first)
/card 更新 <卡名/通路>	重查並更新既有列（有疑惑當場釐清）Re-check and update existing rows (clarifying anything unclear)
/card 失效 <列>	活動結束標已失效 Mark ended promotions as expired
/card 摘要 · /card 報告	依你記住的消費習慣產出摘要報告與推薦；每次更新回饋資料後也會自動做 Habit-based summary & recommendations; also runs automatically after each rewards update

檔案結構 · Layout

.
├─ .gitignore
├─ README.md
└─ cardradar/
   ├─ SKILL.md               # 通用邏輯（公開）· generic logic (public)
   ├─ config.example.json    # Notion ID 範本 · ID template
   ├─ profile.example.json   # 個人化資料範本 · profile template
   ├─ habits.example.json    # 消費習慣記憶範本 · spending-habits template
   ├─ config.local.json      # 你的真實 ID（git-ignored）· your real IDs
   ├─ profile.local.json     # 你的真實持卡資料（git-ignored）· your real card data
   └─ habits.local.json      # 你的消費習慣（git-ignored，自動學習＋可手動改）· your habits (auto-learned, editable)

隱私 · Privacy

這個 repo 是公開的，但不含任何個人資料：所有帳號 ID、卡片清單、會員等級、支付偏好與消費習慣都只存在本機的 *.local.json（含自動學習的 habits.local.json），並由 .gitignore 擋下。公開的只有通用邏輯與空白範本——任何人都能複製、填入自己的資料來用。

This repo is public but contains no personal data: all account IDs, card lists, membership tiers, wallet preferences, and spending habits live only in local *.local.json files (including the auto-learned habits.local.json), kept out by .gitignore. What's public is the generic logic and blank templates — anyone can clone it, fill in their own data, and use it.