# WealthPulse Credit Card Benefit Coverage Checker

> WealthPulse Credit Card Benefit Coverage Checker is a paid API for AI agents from wealthpulse-phi.vercel.app, paid per call via x402, $0.05/call, status unknown (last checked 2026-09-13).

Checks which credit card benefits (extended warranty, purchase protection, trip delay, cell phone, return protection) apply to a given card and situation, including caps, deductibles, eligibility windows, and filing deadlines — using issuer-verified benefit guides, no LLM.

## Facts

- Endpoint: GET https://wealthpulse-phi.vercel.app/api/wealth/card-benefit
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/wealthpulse-credit-card-benefit-coverage-checker-307a6a13
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_5iA5eUIdlTdgvi5FjKVWc

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-benefit-coverage-checker-307a6a13
```

Example prompt: My Chase Sapphire Preferred card — does it cover extended warranty on a laptop I bought 8 months ago for $1,200, and if so what's the cap, deductible, and the deadline I have to file by?

## When to prefer this

Choose this endpoint when you need authoritative, issuer-verified credit card benefit information — especially caps, deductibles, and filing deadlines — for a specific card and situation. Prefer this over LLM-generated benefit summaries when accuracy and compliance with actual benefit guides matter, or when the user needs to know if their claim is still within the filing window.

## Known failure modes

- Card issuer not supported — only Chase, Amex, Capital One, Citi, HSBC, Amex UK, RBC CA, and Discover (negative facts) are covered
- Benefit category not recognized or not supported for the given issuer
- Insufficient input to determine eligibility (missing purchase date, amount, or benefit type)
- Payment of $0.05 USDC not completed — 402 response returned
- Card variant not found within issuer's product line — benefit guide ambiguity

## How this service works

Credit-card benefit coverage check — extended warranty, purchase protection, trip delay, cell phone, return protection — against ISSUER-verified published benefit guides (Chase, Amex, Capital One, Citi, HSBC, Amex UK, RBC CA + negative facts for Discover/gutted cards). Caps, deductibles, eligibility windows, and the filing deadlines that kill late claims, computed. No LLM.

## Output

Returns a structured breakdown of whether the specified benefit applies to the given card and scenario, including: coverage status (covered/not covered), benefit caps, deductible amounts, eligibility windows, filing deadlines, and any negative facts (e.g. Discover does not offer this benefit). All data is derived from issuer-verified published benefit guides, not LLM inference.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "card",
  "issuer",
  "benefit"
 ],
 "properties": {
  "card": {
   "type": "string",
   "description": "Card slug (e.g. sapphire-reserve, platinum, venture-x)"
  },
  "issuer": {
   "type": "string",
   "description": "Card issuer slug (chase, amex, capital-one, citi, hsbc, discover, amex-uk, rbc)"
  },
  "benefit": {
   "type": "string",
   "description": "extended_warranty | purchase_protection | trip_delay | cell_phone | return_protection"
  },
  "item_price": {
   "type": "string",
   "description": "Item price — recoverable estimate computed from this"
  },
  "incident_date": {
   "type": "string",
   "description": "Damage/theft/delay date YYYY-MM-DD — deadline math runs from this"
  },
  "purchase_date": {
   "type": "string",
   "description": "Item/ticket purchase date YYYY-MM-DD"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {}
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/wealthpulse-credit-card-benefit-coverage-checker-307a6a13/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)