Which of your credit cards to use at any store, from verified bank data. No bank login.
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Which of the given cards earns the most at a store (merchant) or for a spend category, today. Returns the card, the honest rate, why, and caveats (merchant-code traps, activation, ties). Base rates + rotating bonuses + built-in card benefits only; a user's personal bank offers live on their phone and are not consulted here.
Card ids the person holds (from search_cards).
Date (YYYY-MM-DD, UTC) for rotating windows; defaults to today.
Spend category when there is no specific store.
Store name, e.g. 'Costco', 'Whole Foods', 'Uber'. Use this OR category.
'cash' counts each point at up to 1¢, and hotel/airline points at their lower value (default). 'points' values points per program at conservative travel values.
For choose-your-category cards (Citi Custom Cash, BofA Customized, Venmo): card id → the categories the person set.
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Which of the given cards earns the most at a store (merchant) or for a spend category, today. Returns the card, the honest rate, why, and caveats (merchant-code traps, activation, ties). Base rates + rotating bonuses + built-in card benefits only; a user's personal bank offers live on their phone and are not consulted here.
| Argument | Type | Description |
|---|---|---|
| on | string | Date (YYYY-MM-DD, UTC) for rotating windows; defaults to today. |
| wallet* | array | Card ids the person holds (from search_cards). |
| category | string | Spend category when there is no specific store. |
| merchant | string | Store name, e.g. 'Costco', 'Whole Foods', 'Uber'. Use this OR category. |
| valuation | string | 'cash' counts each point at up to 1¢, and hotel/airline points at their lower value (default). 'points' values points per program at conservative travel values. |
| chosen_categories | object | For choose-your-category cards (Citi Custom Cash, BofA Customized, Venmo): card id → the categories the person set. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"wallet"
],
"properties": {
"on": {
"type": "string",
"pattern": "^\\d{4}-\\d{2}-\\d{2}$",
"description": "Date (YYYY-MM-DD, UTC) for rotating windows; defaults to today."
},
"wallet": {
"type": "array",
"items": {
"type": "string"
},
"minItems": 1,
"description": "Card ids the person holds (from search_cards)."
},
"category": {
"enum": [
"dining",
"grocery",
"travel",
"gas",
"online",
"drugstore",
"transit",
"streaming",
"general"
],
"type": "string",
"description": "Spend category when there is no specific store."
},
"merchant": {
"type": "string",
"description": "Store name, e.g. 'Costco', 'Whole Foods', 'Uber'. Use this OR category."
},
"valuation": {
"enum": [
"cash",
"points"
],
"type": "string",
"default": "cash",
"description": "'cash' counts each point at up to 1¢, and hotel/airline points at their lower value (default). 'points' values points per program at conservative travel values."
},
"chosen_categories": {
"type": "object",
"description": "For choose-your-category cards (Citi Custom Cash, BofA Customized, Venmo): card id → the categories the person set.",
"propertyNames": {
"type": "string"
},
"additionalProperties": {
"type": "array",
"items": {
"enum": [
"dining",
"grocery",
"travel",
"gas",
"online",
"drugstore",
"transit",
"streaming",
"general"
],
"type": "string"
}
}
}
}
}Everything RightCard knows about one card: rates by category, base rate, currency, annual fee, verification status, live rotating windows, and the choose-your-category spec if it has one.
| Argument | Type | Description |
|---|---|---|
| id* | string |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"id"
],
"properties": {
"id": {
"type": "string"
}
}
}The store's reward category as RightCard's directory files it, its merchant type, and the merchant-code caveat when a category bonus usually will not post there (superstores like Walmart/Target, warehouse clubs like Costco/Sam's). Same ranking the app uses.
| Argument | Type | Description |
|---|---|---|
| name* | string |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"name"
],
"properties": {
"name": {
"type": "string",
"minLength": 2
}
}
}Live and upcoming rotating-category windows (Freedom Flex, Discover it, Citi Dividend…) and permanent merchant benefits, from the same verified data as the app. Optionally filter by card id.
| Argument | Type | Description |
|---|---|---|
| card_id | string |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"properties": {
"card_id": {
"type": "string"
}
}
}Search RightCard's catalog by card or issuer name to get the ids to pass into best_card. Verified cards first; unverified cards are flagged, never hidden.
| Argument | Type | Description |
|---|---|---|
| limit | integer | |
| query* | string | |
| issuer | string |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"query"
],
"properties": {
"limit": {
"type": "integer",
"default": 12,
"maximum": 50,
"minimum": 1
},
"query": {
"type": "string",
"minLength": 2
},
"issuer": {
"type": "string"
}
}
}