> Fetch https://askmiles.ai/llms.txt first: it indexes every public Miles capability. This file is the markdown twin of https://askmiles.ai/docs/mcp/tools/wallet.

# Wallet

The wallet itself: its cards, benefits, spending strategy, eligibility, and the tools that add or update a card.

### add_card

Add one credit card, or a BATCH of them, to the user's wallet. Requires wallet-change access.

| Scope | Quota |
| --- | --- |
| `miles:write` | standard |

| Name | Type | Required |
| --- | --- | --- |
| `card_name` | `string` |  |
| `nickname` | `string` |  |
| `date_opened` | `string` |  |
| `anniversary_date` | `string` |  |
| `sign_up_bonus` | `string` |  |
| `signup_bonus_status` | `string` |  |
| `signup_bonus_received_on` | `string` |  |
| `sub_deadline` | `string` |  |
| `sub_target` | `number` |  |
| `notes` | `string` |  |
| `status` | `string` |  |
| `closed_on` | `string` |  |
| `autopay_status` | `string` |  |
| `retention_offers` | `object[]` |  |
| `card_settings` | `object` |  |
| `benefit_selections` | `object` |  |
| `original_card_name` | `string` |  |
| `product_history` | `object[]` |  |
| `cardholder` | `string` |  |
| `holder_type` | `string` |  |
| `card_number_last4` | `string` |  |
| `intentional_duplicate` | `boolean` |  |
| `entry_key` | `string` |  |
| `cards` | `object[]` |  |

### analyze_keep_cancel

Keep/downgrade/cancel analysis for a wallet card: marginal value vs annual fee, duplicate-benefit discounting, downgrade paths.

| Scope | Quota |
| --- | --- |
| `miles:read` | standard |

| Name | Type | Required |
| --- | --- | --- |
| `card_name` | `string` | required |

### analyze_spending

Earning-potential analysis for a spending profile: for each category, the wallet's best card and the annual rewards value it produces -- pre-computed dollar figures, not estimates to redo.

| Scope | Quota |
| --- | --- |
| `miles:read` | standard |

| Name | Type | Required |
| --- | --- | --- |
| `spending` | `object` | required |
| `candidate_cards` | `string[]` |  |
| `international` | `boolean` |  |

### get_eligibility

Application-rule status (Chase 5/24, issuer velocity limits) based on the user's wallet card-open dates.

| Scope | Quota |
| --- | --- |
| `miles:read` | standard |

| Name | Type | Required |
| --- | --- | --- |
| `issuer` | `string` |  |
| `card` | `string` |  |
| `member` | `string` |  |

### get_needs_attention

Everything that needs eyes on it right now -- in the wallet, and on the cards the user is only considering.

| Scope | Quota |
| --- | --- |
| `miles:read` | standard |

| Name | Type | Required |
| --- | --- | --- |
| `credit_window_days` | `integer` |  |
| `fee_window_days` | `integer` |  |
| `sub_window_days` | `integer` |  |

### get_spending_strategy

Category-by-category map of which wallet card to use for every spending type.

| Scope | Quota |
| --- | --- |
| `miles:read` | standard |

No parameters.

### get_travel_day_summary

A wallet-derived travel-day checklist: lounge access, checked-bag waivers, priority boarding, and other day-of-travel benefits your cards carry -- filtered to what actually applies on this trip. `get_wallet_benefits` filtering cannot substitute: a benefit that applies only "on this airline" or "on international travel" needs both pieces of context at once, which this tool supplies and a flat benefit list does not. `airline`: optional carrier to filter to. `international`: whether this is an international itinerary.

| Scope | Quota |
| --- | --- |
| `miles:read` | standard |

| Name | Type | Required |
| --- | --- | --- |
| `airline` | `string` |  |
| `international` | `boolean` |  |

### get_wallet_benefits

Credits and perks across the user's wallet (lounge access, travel credits, statement credits, protections).

| Scope | Quota |
| --- | --- |
| `miles:read` | standard |

| Name | Type | Required |
| --- | --- | --- |
| `benefit_type` | `string` |  |
| `cardholder` | `string` |  |

### get_wallet_cards

The wallet's cards, one per row -- the lean per-card reader. `get_wallet_summary` / `get_wallet_benefits` are whole-wallet; use this for "what X cards do I have" or a per-card field scan.

| Scope | Quota |
| --- | --- |
| `miles:read` | standard |

| Name | Type | Required |
| --- | --- | --- |
| `issuer` | `string` |  |
| `rewards_category` | `string` |  |
| `format` | `string` |  |
| `include_closed` | `boolean` |  |
| `cardholder` | `string` |  |

### get_wallet_summary

The user's wallet: cards with fees, credits, and key benefits.

| Scope | Quota |
| --- | --- |
| `miles:read` | standard |

| Name | Type | Required |
| --- | --- | --- |
| `cardholder` | `string` |  |

### get_weekly_update

What changed in points and miles recently -- the digest as pull: a scheduled agent can poll this instead of waiting on the email digest. Local reads only (indexed article dates, a changelog artifact, in-memory dataset) -- no paid vendor, no query embedding, no Miles token spend.

| Scope | Quota |
| --- | --- |
| `miles:read` | standard |

| Name | Type | Required |
| --- | --- | --- |
| `days` | `integer` |  |
| `categories` | `string[]` |  |

### remove_card

Remove a card from the user's wallet. Requires wallet-change access.

| Scope | Quota |
| --- | --- |
| `miles:write` | standard |

| Name | Type | Required |
| --- | --- | --- |
| `lookup_card_name` | `string` |  |
| `card_id` | `string` |  |

### update_card

Update a card in the user's wallet (nickname, status, notes, dates, or a product change). Requires wallet-change access.

| Scope | Quota |
| --- | --- |
| `miles:write` | standard |

| Name | Type | Required |
| --- | --- | --- |
| `lookup_card_name` | `string` |  |
| `card_id` | `string` |  |
| `nickname` | `string` |  |
| `date_opened` | `string` |  |
| `anniversary_date` | `string` |  |
| `sign_up_bonus` | `string` |  |
| `signup_bonus_status` | `string` |  |
| `signup_bonus_received_on` | `string` |  |
| `sub_deadline` | `string` |  |
| `sub_target` | `number` |  |
| `notes` | `string` |  |
| `status` | `string` |  |
| `closed_on` | `string` |  |
| `autopay_status` | `string` |  |
| `disposition` | `string` |  |
| `review_by` | `string` |  |
| `fee_posts_on` | `string` |  |
| `retention_offers` | `object[]` |  |
| `card_settings` | `object` |  |
| `benefit_selections` | `object` |  |
| `original_card_name` | `string` |  |
| `product_history` | `object[]` |  |
| `cardholder` | `string` |  |
| `holder_type` | `string` |  |
| `card_number_last4` | `string` |  |
| `product_change` | `boolean` |  |
| `new_card_name` | `string` |  |
| `changed_date` | `string` |  |
| `direction` | `string` |  |
| `product_change_note` | `string` |  |
| `new_anniversary_date` | `string` |  |
| `expected_updated_at` | `string` |  |