# WealthPulse Credit Card Analyzer

> WealthPulse Credit Card Analyzer is a paid API for AI agents from wealthpulse-phi.vercel.app, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-15).

Recommends the best credit cards for a given spending profile with net annual value analysis including rewards, fees, and sign-up bonuses

## Facts

- Endpoint: GET https://wealthpulse-phi.vercel.app/api/wealth/cards
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/wealthpulse-credit-card-analyzer-4ee62dc5
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_wxkU88Zkb4BYPo32B4CtJ

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability wealthpulse-credit-card-analyzer-4ee62dc5
```

Example prompt: 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?

## When to prefer this

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.

## Known failure modes

- 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

## How this service works

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.

## Output

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.

## Request schema (JSON Schema)

```json
{
 "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"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "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"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/wealthpulse-credit-card-analyzer-4ee62dc5/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from wealthpulse-phi.vercel.app](https://www.zero.xyz/host/wealthpulse-phi.vercel.app/llms.txt)