CardAPI provides a structured REST API delivering comprehensive credit card data for the United States and Canada. It is designed to serve as a data layer for applications requiring up-to-date information on hundreds of credit cards across more than 39 issuers. The platform targets developers building comparison sites, fintech apps, and content creators who need accurate and current card data for blogs, reviews, or social content.
The API offers detailed information on each card, including annual fees, introductory APR offers, balance transfer terms, penalty rates, authorized user policies, military benefits, and card material, with over 50 fields per card. Reward rates are categorized by spending type—such as dining, groceries, gas, travel, and several others—providing multipliers, cashback, and points-per-dollar rates with caps, as well as rotating category schedules and spending-based bonus tiers. The service also details benefits and perks like statement credits, hotel elite status, TSA PreCheck, airline perks, lounge access, travel insurance, and purchase protection, structured for direct comparison. Transfer partner data includes complete transfer ratio databases, such as Amex MR to Aeroplan and Chase UR to Hyatt. Application rules cover issuer-specific restrictions and velocity limits, such as Chase 5/24 and Amex once-per-lifetime policies. Card change history tracks fee increases, bonus changes, and rate adjustments over time, and point or mile valuations are provided for comparing effective earn rates across different loyalty currencies.
CardAPI is accessed via a REST API, with client libraries available for major programming languages including TypeScript and Python. The platform supports integration within minutes and offers a live API playground for testing. Pricing is transparent and tiered: a free plan offers 100 API calls per day and basic card information, while paid plans (Starter, Pro, Enterprise) scale up to 20,000 calls per day and add features such as full card details, benefits, application criteria, card change history, transfer partners, card images, affiliate links, webhooks for data changes, and GraphQL access. The service is built by the Churn team.
CardAPI is a Personal finance & budgeting product. It focuses on aggregating and providing structured, up-to-date credit card data for developers and financial apps. It is built as a B2B product for developers and fintech companies. A free plan is available. It runs on the command line and API.
CardAPI first shipped in 2026. PulseGate's similarity index finds few close equivalents — CardAPI occupies a relatively distinct niche. Key capabilities include credit card data API, rewards and fees info, and application criteria. It exposes integrations via a public API.
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