{"uid":"cap_wxkU88Zkb4BYPo32B4CtJ","slug":"wealthpulse-credit-card-analyzer-4ee62dc5","name":"WealthPulse Credit Card Analyzer","description":"Which credit card is actually worth it for my spending? Rewards card finder that ranks cards by net annual value after fees — factoring rewards rate and signup bonuses for your spend profile (travel, dining, groceries, gas, cashback). For personal-finance and wealth agents.","url":"https://wealthpulse-phi.vercel.app/api/wealth/cards","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET","HEAD","DELETE"],"type":"string"},"queryParams":{"type":"object","properties":{"lang":{"type":"string","description":"en | es | fr | de | pt | ar"},"monthly":{"type":"string","description":"3000 (monthly spend USD, default: 3000)"},"credit_score":{"type":"string","description":"excellent (good | very_good | excellent)"},"spend_profile":{"type":"string","description":"required; free text, e.g. dining, groceries, gas, cashback, or a mix"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"errors":{"type":"object","description":"Documented error responses, keyed by HTTP status code","additionalProperties":{"type":"object","required":["description"],"properties":{"example":{"type":"object"},"description":{"type":"string"}}}},"example":{"type":"object"}}}}},"responseSchema":{"type":"json","example":{"top_cards":[{"rank":1,"issuer":"Chase","verdict":"Best all-around travel card for this spend level","best_for":"travel and dining spend","card_name":"Chase Sapphire Preferred","annual_fee":"$95","key_rewards":["3x dining","2x travel"],"signup_bonus":"60,000 points ($750 travel) after $4,000 spend in 3 months","credit_score_needed":"good","estimated_annual_value":"$680"}],"disclaimer":"Card offers and bonuses change frequently. Verify current terms before applying. This is not financial advice.","amazon_link":"https://www.amazon.com/s?k=credit+card+rewards+optimization&tag=pulsenetwork7-20","amazon_search":"credit card rewards optimization","monthly_spend":"$3,000","spend_profile":"travel","strategy_note":"Pair with a flat 2% cashback card for categories outside travel and dining","current_rate_context":"Average credit card APR is 21%+ (FRED data) — paying in full each month matters more than the rewards rate"}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.1","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"settled","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.1/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_JmLeIDMqAImrnrI1myfcY","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.1","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Recommends the best credit cards for a given spending profile with net annual value analysis including rewards, fees, and sign-up bonuses","exampleAgentPrompt":"I spend about $2,000 a month on groceries, $800 on dining, $500 on travel, and $300 on gas — can you run my spending profile through WealthPulse and tell me which credit cards would give me the best net annual value, factoring in annual fees and sign-up bonuses?","exampleUseCases":null,"resultDescription":"Returns ranked credit card recommendations tailored to the user's spending profile, including net annual value for each card (rewards earned minus annual fees plus sign-up bonus amortization), category-by-category reward rate breakdowns, and a clear winner with justification.","failureModes":["Missing or incomplete spending profile data may result in generic or low-confidence recommendations","Invalid spending category values may return an error or fallback defaults","Payment failure for the $0.10 USDC x402 charge will block the response","Extremely unusual spending profiles may yield limited card options","API timeout if spending profile is overly complex"],"whenToPreferThis":"Use this endpoint when a user wants a data-driven, net annual value analysis of credit cards matched to their specific spending habits — rather than generic 'best card' lists. Best for users who want to see exact dollar figures for rewards earned vs. fees paid across multiple card options.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T12:57:15.774Z","isFirstParty":false}