# WealthPulse Credit Card Rewards Finder

> WealthPulse Credit Card Rewards Finder is a paid API for AI agents from wealthpulse.theaslangroupllc.com, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-14).

Ranks credit cards by net annual value after fees based on a user's personal spending profile across travel, dining, groceries, gas, and cashback categories

## Facts

- Endpoint: GET https://wealthpulse.theaslangroupllc.com/api/wealth/cards
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/wealthpulse-credit-card-rewards-finder-4a3eeb5a
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_IZLzgBTIsenQyhJN4QKr4

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-rewards-finder-4a3eeb5a
```

Example prompt: I spend about $2,000/month on travel, $600 on dining, $400 on groceries, and $200 on gas — which credit cards would actually give me the best net annual value after fees and signup bonuses?

## When to prefer this

Use this endpoint when a user wants a personalized, math-driven credit card recommendation based on their actual spending breakdown rather than generic editorial rankings. Ideal for personal finance agents helping users optimize their wallet or decide whether a premium card's annual fee is justified by their specific habits.

## Known failure modes

- Missing or zero spend inputs may return generic rankings not personalized to the user
- Spending categories outside supported buckets may be ignored or misclassified
- Signup bonus eligibility assumptions may not account for existing cardholder status
- API may return 402 if USDC payment not properly attached
- Stale card data if issuer terms have changed since last update

## 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

A ranked list of credit cards ordered by net annual value for the given spending profile, including each card's rewards rate per category, annual fee, estimated annual rewards earned, signup bonus value, and final net annual value calculation.

## 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-rewards-finder-4a3eeb5a/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from wealthpulse.theaslangroupllc.com](https://www.zero.xyz/host/wealthpulse.theaslangroupllc.com/llms.txt)