The data behind this site, and how to use it
The card catalog, the change feeds and the AI tools server are all public. This page lists each one, what is in it, and how it changes.
| File | What it is | Notes |
|---|---|---|
| /card-benefits.master.json | The whole card catalog: 289 cards, their earn rules, statement credits, welcome offers and our point values. | Field by field on the catalog schema page. It changes when a card's terms change, not on a schedule. |
| /changes/feed.xml | RSS feed of every recorded change: welcome offers, fees, credits and card status, with the old and new figure. | Also readable at /changes/. |
| /best/offers-now.xml | RSS feed of welcome offers that went up. | Rises only. |
| /changes.json | The same change log as JSON, newest first. | Each entry has a date, a card id and a sentence. |
| /transfer-bonuses.json | Live transfer bonuses: which points move where, the bonus, the end date and the source. | Every row has an end date; expired rows are removed. |
| /mcp | A read-only AI tools server (Model Context Protocol) with four tools: catalog.search, score_charge, best_card_for_category and point_value. | No key or account. The page at /mcp explains how to connect. |
Boxes you can put on your own site
Each box shows a short, current list and links back to the full page. Copy the code for the one you want.
| statement credits that reset on December 31 | <iframe src="https://creditupside.com/embed/credits-reset" width="100%" height="320" style="border:0" loading="lazy"></iframe> |
| best cards for dining | <iframe src="https://creditupside.com/embed/best-dining" width="100%" height="320" style="border:0" loading="lazy"></iframe> |
| best cards for groceries | <iframe src="https://creditupside.com/embed/best-groceries" width="100%" height="320" style="border:0" loading="lazy"></iframe> |
| best cards for gas | <iframe src="https://creditupside.com/embed/best-gas" width="100%" height="320" style="border:0" loading="lazy"></iframe> |
| best cards for flights | <iframe src="https://creditupside.com/embed/best-flights" width="100%" height="320" style="border:0" loading="lazy"></iframe> |
| best cards for hotels | <iframe src="https://creditupside.com/embed/best-hotels" width="100%" height="320" style="border:0" loading="lazy"></iframe> |
| best cards for travel | <iframe src="https://creditupside.com/embed/best-travel" width="100%" height="320" style="border:0" loading="lazy"></iframe> |
| best cards for streaming | <iframe src="https://creditupside.com/embed/best-streaming" width="100%" height="320" style="border:0" loading="lazy"></iframe> |
| best cards for transit | <iframe src="https://creditupside.com/embed/best-transit" width="100%" height="320" style="border:0" loading="lazy"></iframe> |
| best cards for rideshare | <iframe src="https://creditupside.com/embed/best-rideshare" width="100%" height="320" style="border:0" loading="lazy"></iframe> |
| best cards for entertainment | <iframe src="https://creditupside.com/embed/best-entertainment" width="100%" height="320" style="border:0" loading="lazy"></iframe> |
| best cards for online retail | <iframe src="https://creditupside.com/embed/best-online-retail" width="100%" height="320" style="border:0" loading="lazy"></iframe> |
| best cards for EV charging | <iframe src="https://creditupside.com/embed/best-ev-charging" width="100%" height="320" style="border:0" loading="lazy"></iframe> |
| best cards for cell phone plans | <iframe src="https://creditupside.com/embed/best-phone" width="100%" height="320" style="border:0" loading="lazy"></iframe> |
What you can rely on
Every card records its sources and the date its terms were last read in full; welcome offers carry a separate date for when the figure was last seen on the issuer's page. Point values are our own conservative estimates, published with the reasoning on the points page. None of these files contain anything about any user.
What we don't promise
There is no formal license for this data yet. You are welcome to read it, link to it and quote figures with a link back. Please ask before republishing the catalog wholesale, and fetch the files a few times a day at most. Card terms change without notice, so treat every figure as last checked on its date, not as a guarantee.
Found a wrong figure? Every page has a "Spot a wrong number" form at the bottom, or email admin@creditupside.com.