CardRadar 💳

付款前問一句,就知道刷哪張卡最划算。 CardRadar 是一個 Claude Skill:只看你手上的卡、算的是扣掉上限後的「實拿」回饋、懂台灣在地排除規則,個資全部留在你自己的電腦。

Ask one question before you pay, and know exactly which card to swipe. CardRadar is a Claude Skill: it only looks at the cards you actually own, ranks by real cashback after monthly caps, knows Taiwan's local exclusion rules, and keeps all personal data on your own machine.

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📖 專案簡介 · About The Project

CardRadar 是一個幫你「挑信用卡」的小幫手。你只要說一句「這筆要在全聯刷」，它就會從你手上的卡裡告訴你：刷哪一張回饋最多、實際能拿回多少錢。

CardRadar is a little helper that picks the right credit card for you. Just say "I'm paying at PX Mart," and it tells you—out of the cards you actually own—which one to swipe and exactly how much cash you'll get back.

它不是一個要另外安裝的 App，而是一個 Claude Skill：裝進 Claude 之後，付錢前問一句就有答案。卡片回饋規則存在你自己的 Notion 資料庫，個人資料全部留在你的電腦裡。

It's not another app to install—it's a Claude Skill: drop it into Claude, and an answer is one question away before you pay. Your reward rules live in your own Notion database, and all personal data stays on your machine.

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⭐ 為什麼要用這個專案？ · Why Choose This?

GitHub 上的同類工具（信用卡回饋比較器）大多走「大而全」路線：收錄市面上幾十、上百張卡，做成網站或 App，讓你在龐大資料庫裡撈答案。CardRadar 刻意走相反的路——小而準，只為你手上這幾張卡，在你要付錢的當下做即時判斷。核心優勢如下：

Most similar tools on GitHub (credit-card reward optimizers) go "big and broad": they catalog dozens or hundreds of cards into a website or app and let you fish for answers in a huge database. CardRadar deliberately goes the opposite way—small and precise: it only cares about the cards in your wallet and makes a real-time judgment at the moment you're about to pay. Here's what sets it apart:

1. 算「實拿」，不被漂亮的回饋率騙。 很多卡的回饋率看起來很高，但有每月上限。CardRadar 一律用 min(金額 × 回饋率, 每月上限) 算出「實際拿到多少錢」來排名，百分比再漂亮也騙不了它。

1. It ranks by real cash, not flashy rates. Many cards advertise high reward rates but cap the monthly payout. CardRadar always ranks by min(amount × rate, monthly cap)—the money you actually receive—so a pretty percentage never fools it.

2. 只認你真正在用的支付方式。 別的比較工具常把所有行動支付加碼都算進去，數字灌得很高卻做不到。CardRadar 只計入你設定檔裡真的在用的支付，每個建議都是你當下做得到的。

2. It only counts payment methods you actually use. Other comparison tools often pile on every mobile-wallet bonus, inflating numbers you can't actually get. CardRadar only counts the wallets listed in your profile, so every suggestion is something you can really do right now.

3. 懂在地的「潛規則」。 帳面上有回饋，不代表真的拿得到——例如台灣多家銀行已把全聯體系排除在一般回饋之外。CardRadar 內建這類真實世界規則，誠實告訴你「這裡其實賺不到」，而不是照帳面數字報。

3. It knows the local "unwritten rules." A reward on paper doesn't mean a reward in your pocket—for example, several Taiwanese banks now exclude the PX Mart ecosystem from general rewards. CardRadar bakes in these real-world rules and honestly tells you "you won't actually earn here," instead of quoting the on-paper rate.

4. 你的個資留在自己電腦，不外流。 帳號、卡片清單、消費習慣全部只存在本機的 *.local.json 檔案裡，被 .gitignore 擋著永不上傳。公開的只有通用邏輯和空白範本。

4. Your private data stays on your own computer. Accounts, card lists, and spending habits live only in local *.local.json files, blocked by .gitignore and never uploaded. Only the generic logic and blank templates are public.

5. 會越用越懂你。 CardRadar 會默默記住你常在哪裡消費、慣用哪張卡，回饋規則一有變動，就主動提醒你「你常刷的某個地方該換卡了」。

5. It learns you over time. CardRadar quietly remembers where you usually spend and which cards you favor. Whenever a reward rule changes, it proactively tells you: "You should switch cards at one of your regular spots."

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🆕 最新更新 · What's New

v7（2026-07-03）新增「消費習慣記憶」：CardRadar 現在會默默記住你常在哪裡花錢、常用哪張卡，並提供 /card 摘要 指令，主動幫你整理「你的習慣 × 最適合的卡」。每次你更新卡片回饋資料後，它還會自動提醒你：「因為這次變動，你某個常刷的地方該換卡了。」

v7 (2026-07-03) adds "Spending-Habit Memory": CardRadar now quietly remembers where you usually spend and which cards you use, and offers a /card summary command that lines up "your habits × the best card" for you. Whenever you update a card's reward data, it also reminds you on its own: "Because of this change, you should switch cards at one of your regular spots."

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🚀 快速開始 · Getting Started

1. 下載這個專案。 1. Clone this project.

git clone https://github.com/kau10082/Card_Radar.git

2. 把 cardradar/ 資料夾放進你的 Claude skills 目錄。 2. Put the cardradar/ folder into your Claude skills directory.

cp -r Card_Radar/cardradar ~/.claude/skills/cardradar

3. 複製範本檔，填入你自己的資料。（第三個習慣檔可先跳過，之後會自動產生） 3. Copy the template files and fill in your own data. (You can skip the third one—it's created automatically later.)

cd ~/.claude/skills/cardradar
cp config.example.json  config.local.json    # 你的 Notion 連結與 ID · your Notion link & IDs
cp profile.example.json profile.local.json   # 你的卡片與支付偏好 · your cards & wallets
cp habits.example.json  habits.local.json    # 選填 optional

4. 在 Notion 建好「信用卡回饋規則表」資料庫（欄位對照見 cardradar/SKILL.md 的 DB schema 一節）。 4. Create the "credit-card rewards" database in Notion (see the DB schema section in cardradar/SKILL.md for the exact fields).

⚠️ 標示 *.local.json 的檔案都被 .gitignore 擋著、永遠不會上傳。請不要把真實 ID 或個資寫進 *.example.json 或 SKILL.md。

⚠️ The *.local.json files are blocked by .gitignore and are never uploaded. Don't put real IDs or personal data into *.example.json or SKILL.md.

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💡 基本使用方式 · Usage

在 Claude 裡輸入 /card 開頭的指令即可。下面是常用指令：

Just type a command starting with /card inside Claude. Here are the common ones:

指令 Command	作用 What it does
/card <消費情境 scenario>	查哪張卡最優 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、新增一張卡的回饋 Look up official terms and add a card's rewards
/card 更新 <卡名/通路>	重查並更新既有回饋 Re-check and update existing rewards
/card 失效 <列>	活動結束，標記為已失效 Mark an ended promotion as expired
/card 摘要 · /card 報告	依你的消費習慣產出摘要與推薦 Give a summary & recommendations based on your habits

即使你沒打 /card，只要問「這筆刷哪張划算」之類的問題，它也會自動幫你查。

Even without typing /card, just asking something like "which card is best for this?" will trigger it automatically.

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📂 目錄結構 · Repository Structure

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├─ LICENSE                     # 授權條款 · license
├─ README.md                   # 你正在看的說明 · this readme
└─ cardradar/                  # 技能本體 · the skill itself
   ├─ SKILL.md                 # 通用邏輯（公開）· generic logic (public)
   ├─ config.example.json      # Notion 連結範本 · Notion-link template
   ├─ profile.example.json     # 卡片資料範本 · card-data template
   ├─ habits.example.json      # 消費習慣範本 · spending-habit template
   ├─ config.local.json        # 你的真實 Notion ID（不上傳）· your real IDs (never uploaded)
   ├─ profile.local.json       # 你的真實卡片資料（不上傳）· your real cards (never uploaded)
   └─ habits.local.json        # 你的消費習慣（自動學習、不上傳）· your habits (auto-learned, never uploaded)

簡單說：cardradar/ 是整個技能的家。SKILL.md 是給 Claude 看的說明書；*.example.json 是給大家照抄的空白範本；*.local.json 才是你自己的真實資料，只留在本機。

In short: cardradar/ is the home of the whole skill. SKILL.md is the manual Claude reads; the *.example.json files are blank templates for everyone to copy; the *.local.json files hold your real data and stay only on your machine.

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🤝 貢獻指南 · Contributing

很歡迎你一起讓 CardRadar 更好！如果你發現問題或有點子，可以到 Issues 開一則回報，把你遇到的狀況說清楚就好，不用客氣。

Contributions are very welcome! If you spot a problem or have an idea, feel free to open an Issue and just describe what you ran into—no need to be shy.

如果你想直接改程式，照這三步走就行：

If you'd like to change the code directly, just follow these three steps:

1. Fork 這個專案到你自己的帳號。 Fork this project to your own account.
2. 在你的 Fork 上開一個分支，完成修改並測試。 Create a branch on your fork, make your changes, and test them.
3. 發一個 Pull Request 回來，說明你改了什麼、為什麼改。我們會盡快看。 Open a Pull Request describing what you changed and why. We'll review it as soon as we can.

小提醒：送 PR 前請確認沒有把任何真實的個人資料或 Notion ID 放進去。

Reminder: before sending a PR, please double-check that no real personal data or Notion IDs slipped in.

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🏷️ 主題標籤 · Topics & Keywords

為了讓有同樣需求的人能第一時間搜到 CardRadar,本專案使用以下主題標籤。如果你是從這些關鍵字找過來的——沒錯,就是這裡!

So that anyone with the same need can find CardRadar right away, this project uses the topics below. If one of these keywords brought you here—yes, you're in the right place!

claude claude-skill claude-code anthropic ai-assistant llm mcp model-context-protocol notion notion-database notion-api credit-card credit-cards credit-card-rewards cashback rewards personal-finance fintech taiwan traditional-chinese

💡 維護者小抄 · Maintainer cheat-sheet:GitHub 的專案 description 與 topics 要在 repo 首頁右上「About ⚙️」手動設定(topics 上限 20 個)。建議直接貼上:

GitHub's repo description and topics are set manually via "About ⚙️" on the repo homepage (max 20 topics). Suggested paste-in:

Description:付款前問一句,就知道刷哪張卡最划算。Claude Skill:只算你手上的卡、實拿回饋(含上限)、個資留本機。| A Claude Skill that picks the best card in your wallet before you pay—real cashback after caps, rules in your own Notion, data stays local.

Topics:claude claude-skill claude-code anthropic ai-assistant llm mcp model-context-protocol notion notion-database notion-api credit-card credit-cards credit-card-rewards cashback rewards personal-finance fintech taiwan traditional-chinese

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📜 授權條款 · License

本專案採用 MIT 授權。簡單說：你可以自由使用、修改、散布，甚至用在商業用途，只要保留原本的授權與版權標示（標示出處）即可。完整條文見 LICENSE。

This project is licensed under the MIT License. In short: you're free to use, modify, and distribute it—even commercially—as long as you keep the original license and copyright notice (i.e., credit the source). See the full text in LICENSE.