creditcards.best

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.

{
  "type": "object",
  "properties": {
    "productType": {
      "type": "array",
      "items": {
        "type": "string",
        "enum": [
          "cashback",
          "travel-rewards",
          "points",
          "business",
          "balance-transfer"
        ]
      }
    },
    "rewardsCurrencyType": {
      "description": "Kind of loyalty currency earned. Use this for airline or hotel cards; it is not a productType.",
      "type": "array",
      "items": {
        "type": "string",
        "enum": [
          "cashback",
          "bank-points",
          "airline-miles",
          "hotel-points",
          "other"
        ]
      }
    },
    "rewardsCurrency": {
      "description": "Program name, partial match, by its own name: 'AAdvantage' not 'American', 'SkyMiles' not 'Delta', 'Bonvoy', 'Avios'.",
      "type": "string"
    },
    "issuer": {
      "description": "Issuer name, partial match (e.g. 'Chase')",
      "type": "string"
    },
    "maxAnnualFee": {
      "type": "number"
    },
    "noForeignTransactionFee": {
      "type": "boolean"
    },
    "minSignupValueUsd": {
      "description": "Minimum estimated signup-bonus cash value",
      "type": "number"
    },
    "creditBand": {
      "description": "Only cards a user with this credit band typically qualifies for",
      "type": "string",
      "enum": [
        "excellent",
        "good",
        "fair",
        "poor",
        "none"
      ]
    },
    "category": {
      "description": "Curated slug, e.g. 'best-cash-back-credit-cards'",
      "type": "string"
    },
    "isBusiness": {
      "type": "boolean"
    },
    "verified": {
      "description": "Defaults to true (issuer-verified only). false = only the unverified stubs seeded from the open reference. null = the whole corpus, nulls and all.",
      "anyOf": [
        {
          "type": "boolean"
        },
        {
          "type": "null"
        }
      ]
    },
    "sort": {
      "type": "string",
      "enum": [
        "name",
        "annualFee",
        "signupValue",
        "baseRate"
      ]
    },
    "limit": {
      "description": "Max cards to return (default 25). Check `truncated` before treating the list as complete.",
      "type": "integer",
      "exclusiveMinimum": 0,
      "maximum": 9007199254740991
    }
  },
  "$schema": "http://json-schema.org/draft-07/schema#"
}

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.

{
  "type": "object",
  "properties": {
    "id": {
      "type": "string",
      "description": "Card slug, e.g. 'chase-sapphire-preferred'"
    }
  },
  "required": [
    "id"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}

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.

{
  "type": "object",
  "properties": {
    "spend": {
      "type": "object",
      "propertyNames": {
        "type": "string"
      },
      "additionalProperties": {
        "type": "number"
      },
      "description": "Annual USD spend keyed by category label"
    },
    "cardIds": {
      "description": "Restrict to these cards; default is all",
      "type": "array",
      "items": {
        "type": "string"
      }
    },
    "creditBand": {
      "description": "Restrict to cards this band typically qualifies for",
      "type": "string",
      "enum": [
        "excellent",
        "good",
        "fair",
        "poor",
        "none"
      ]
    },
    "includeSignupBonus": {
      "description": "Include the signup bonus in year-1 value (default true)",
      "type": "boolean"
    },
    "limit": {
      "type": "integer",
      "exclusiveMinimum": 0,
      "maximum": 9007199254740991
    }
  },
  "required": [
    "spend"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}

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.

{
  "type": "object",
  "properties": {
    "creditBand": {
      "type": "string",
      "enum": [
        "excellent",
        "good",
        "fair",
        "poor",
        "none"
      ]
    },
    "incomeUsd": {
      "type": "number"
    },
    "cardIds": {
      "description": "Restrict to these cards; default is all verified cards",
      "type": "array",
      "items": {
        "type": "string"
      }
    }
  },
  "required": [
    "creditBand"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}

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.

{
  "type": "object",
  "properties": {
    "id": {
      "type": "string"
    }
  },
  "required": [
    "id"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}

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.

{
  "type": "object",
  "properties": {
    "ids": {
      "minItems": 2,
      "type": "array",
      "items": {
        "type": "string"
      },
      "description": "Card slugs to compare"
    }
  },
  "required": [
    "ids"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}