Search, compare and estimate rewards across US credit cards. Verified fees, APRs and bonuses.
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Given a user's credit band (and optionally income), return cards they would typically qualify for, surfacing issuer application rules (e.g. Chase 5/24) and any income floor. Only cards that publish a credit requirement can be answered; cards with no published requirement are counted in `unknownCount`, never listed as qualifying. This is a likelihood signal from published guidance, not an approval guarantee.
Restrict to these cards; default is all verified cards
Given a user's credit band (and optionally income), return cards they would typically qualify for, surfacing issuer application rules (e.g. Chase 5/24) and any income floor. Only cards that publish a credit requirement can be answered; cards with no published requirement are counted in `unknownCount`, never listed as qualifying. This is a likelihood signal from published guidance, not an approval guarantee.
| Argument | Type | Description |
|---|---|---|
| cardIds | array | Restrict to these cards; default is all verified cards |
| incomeUsd | number | |
| creditBand* | string |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"creditBand"
],
"properties": {
"cardIds": {
"type": "array",
"items": {
"type": "string"
},
"description": "Restrict to these cards; default is all verified cards"
},
"incomeUsd": {
"type": "number"
},
"creditBand": {
"enum": [
"excellent",
"good",
"fair",
"poor",
"none"
],
"type": "string"
}
}
}Side-by-side detail for two or more cards by id: fees, foreign-transaction fee, signup bonus, earn rates, credits and eligibility. Apply links are tracked redirects.
| Argument | Type | Description |
|---|---|---|
| ids* | array | Card slugs to compare |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"ids"
],
"properties": {
"ids": {
"type": "array",
"items": {
"type": "string"
},
"minItems": 2,
"description": "Card slugs to compare"
}
}
}Given an annual spending profile (USD per category, e.g. { dining: 6000, groceries: 8000, travel: 4000, other: 20000 }), estimate each card's net rewards value and rank them. Net value = rewards earned on spend + first-year signup bonus − annual fee. Statement credits are reported separately (max value if fully used), NOT folded into the headline, to avoid overstating premium 'coupon-book' cards. Returns a per-category breakdown and the assumptions used. All card facts come from the verified dataset; only point valuation is modeled.
| Argument | Type | Description |
|---|---|---|
| limit | integer | |
| spend* | object | Annual USD spend keyed by category label |
| cardIds | array | Restrict to these cards; default is all |
| creditBand | string | Restrict to cards this band typically qualifies for |
| includeSignupBonus | boolean | Include the signup bonus in year-1 value (default true) |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"spend"
],
"properties": {
"limit": {
"type": "integer",
"maximum": 9007199254740991,
"exclusiveMinimum": 0
},
"spend": {
"type": "object",
"description": "Annual USD spend keyed by category label",
"propertyNames": {
"type": "string"
},
"additionalProperties": {
"type": "number"
}
},
"cardIds": {
"type": "array",
"items": {
"type": "string"
},
"description": "Restrict to these cards; default is all"
},
"creditBand": {
"enum": [
"excellent",
"good",
"fair",
"poor",
"none"
],
"type": "string",
"description": "Restrict to cards this band typically qualifies for"
},
"includeSignupBonus": {
"type": "boolean",
"description": "Include the signup bonus in year-1 value (default true)"
}
}
}Return the apply link for a card. This is always a creditcards.best tracked redirect that records the referral and forwards to the issuer; the raw issuer URL is never returned.
| Argument | Type | Description |
|---|---|---|
| id* | string |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"id"
],
"properties": {
"id": {
"type": "string"
}
}
}Full detail for a single card by id (slug), including earn rates, credits, eligibility, sources and lastVerified. The apply link is our tracked redirect, not the issuer URL.
| Argument | Type | Description |
|---|---|---|
| id* | string | Card slug, e.g. 'chase-sapphire-preferred' |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"id"
],
"properties": {
"id": {
"type": "string",
"description": "Card slug, e.g. 'chase-sapphire-preferred'"
}
}
}Filter the US credit-card dataset by product type, rewards currency (program name or kind), issuer, annual fee, foreign-transaction fee, signup-bonus value, credit band, or curated category. Searches ONLY issuer-verified cards by default, because unverified stubs carry null for most filterable fields and a null is not a zero. Set verified:false for the stubs, or verified:null to search everything knowingly. Returns at most 25 summaries unless you raise `limit`; `total` is the full match count and `truncated` says whether you are seeing all of it. Rankings reflect fit, not placement.
| Argument | Type | Description |
|---|---|---|
| sort | string | |
| limit | integer | Max cards to return (default 25). Check `truncated` before treating the list as complete. |
| issuer | string | Issuer name, partial match (e.g. 'Chase') |
| category | string | Curated slug, e.g. 'best-cash-back-credit-cards' |
| verified | any | Defaults to true (issuer-verified only). false = only the unverified stubs seeded from the open reference. null = the whole corpus, nulls and all. |
| creditBand | string | Only cards a user with this credit band typically qualifies for |
| isBusiness | boolean |
| productType | array |
| maxAnnualFee | number |
| rewardsCurrency | string | Program name, partial match, by its own name: 'AAdvantage' not 'American', 'SkyMiles' not 'Delta', 'Bonvoy', 'Avios'. |
| minSignupValueUsd | number | Minimum estimated signup-bonus cash value |
| rewardsCurrencyType | array | Kind of loyalty currency earned. Use this for airline or hotel cards; it is not a productType. |
| noForeignTransactionFee | boolean |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"properties": {
"sort": {
"enum": [
"name",
"annualFee",
"signupValue",
"baseRate"
],
"type": "string"
},
"limit": {
"type": "integer",
"maximum": 9007199254740991,
"description": "Max cards to return (default 25). Check `truncated` before treating the list as complete.",
"exclusiveMinimum": 0
},
"issuer": {
"type": "string",
"description": "Issuer name, partial match (e.g. 'Chase')"
},
"category": {
"type": "string",
"description": "Curated slug, e.g. 'best-cash-back-credit-cards'"
},
"verified": {
"anyOf": [
{
"type": "boolean"
},
{
"type": "null"
}
],
"description": "Defaults to true (issuer-verified only). false = only the unverified stubs seeded from the open reference. null = the whole corpus, nulls and all."
},
"creditBand": {
"enum": [
"excellent",
"good",
"fair",
"poor",
"none"
],
"type": "string",
"description": "Only cards a user with this credit band typically qualifies for"
},
"isBusiness": {
"type": "boolean"
},
"productType": {
"type": "array",
"items": {
"enum": [
"cashback",
"travel-rewards",
"points",
"business",
"balance-transfer"
],
"type": "string"
}
},
"maxAnnualFee": {
"type": "number"
},
"rewardsCurrency": {
"type": "string",
"description": "Program name, partial match, by its own name: 'AAdvantage' not 'American', 'SkyMiles' not 'Delta', 'Bonvoy', 'Avios'."
},
"minSignupValueUsd": {
"type": "number",
"description": "Minimum estimated signup-bonus cash value"
},
"rewardsCurrencyType": {
"type": "array",
"items": {
"enum": [
"cashback",
"bank-points",
"airline-miles",
"hotel-points",
"other"
],
"type": "string"
},
"description": "Kind of loyalty currency earned. Use this for airline or hotel cards; it is not a productType."
},
"noForeignTransactionFee": {
"type": "boolean"
}
}
}