Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare this is a destructive, non-idempotent, open-world write, so the safety profile is covered. The description adds genuinely useful behavior the annotations don't: the credit effect on the user's balance and the per-user-per-code rate limit. It omits error behavior for invalid, expired, or already-redeemed codes, keeping it out of 5 territory.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.