Quickstart

1. Get a free API key

Create a free account. Once your email is confirmed, the portal creates your key; it starts with ck_live_ and is shown once, so copy it somewhere safe. The Free plan needs no card.

2. Make your first request

Send the key as a Bearer token. This fetches one card:

curl "https://api.cardapi.dev/v1/cards/american-express-gold-card" \
  -H "Authorization: Bearer YOUR_API_KEY"

3. Read the response

A Free key gets the basic fields and the card's 3 highest reward rates (abridged):

{
  "data": {
    "slug": "american-express-gold-card",
    "name": "American Express® Gold Card",
    "issuers": {
      "slug": "amex-us",
      "name": "American Express",
      "country": "US",
      "website": "https://www.americanexpress.com",
      "logo_url": null
    },
    "network": "AMEX",
    "card_type": "personal",
    "annual_fee": 325,
    "signup_bonus": "up to 100,000 Membership Rewards points",
    "signup_min_spend": 8000,
    "signup_min_spend_months": 6,
    "reward_currency_name": "Membership Rewards",
    "reward_rates": [
      {
        "category_slug": "dining",
        "categories": [
          "dining"
        ],
        "rate_multiplier": 4,
        "rate_type": "points_per_dollar",
        "cap_amount": 50000,
        "cap_period": "annual",
        "is_base_rate": false
      },
      {
        "category_slug": "groceries",
        "categories": [
          "groceries"
        ],
        "rate_multiplier": 4,
        "rate_type": "points_per_dollar",
        "cap_amount": 25000,
        "cap_period": "annual",
        "is_base_rate": false
      }
    ]
  }
}

Every field, its type and the plan that returns it: the card object.

4. See what each plan adds

• FreeEvery plan

  25 card fields.

• StarterStarter plan and above

  +65 card fields (id, monthly_fee, supplementary_card_fee, interest_rate_purchase, interest_rate_cash, interest_rate_balance_transfer, ...), every reward rate; endpoints: GET /v1/cards/:slug/perks, GET /v1/cards/:slug/credits.

• ProPro plan and above

  +6 card fields (historical_best_offer, historical_best_offer_date, spend_bonuses, military_annual_fee_waived, military_apr_cap, military_benefits_notes); endpoints: GET /v1/cards/:slug/history, GET /v1/cards/:slug/transfers, GET /v1/transfer-partners, GET /v1/offers/notable, GET /v1/offers/history.

• EnterpriseEnterprise plan

  +2 card fields (image_url, affiliate_url); endpoints: POST /v1/webhooks, GET /v1/webhooks, DELETE /v1/webhooks/:id, POST /v1/graphql.

Prices and quotas: pricing and rate limits.

Use an SDK

npm install @cardapi/client

import { CardAPI } from "@cardapi/client";

const db = new CardAPI({ apiKey: process.env.CARDAPI_API_KEY! });
const card = await db.getCard("american-express-gold-card");
console.log(card.name, card.annual_fee, card.reward_rates);

pip install cardapi

import os
from cardapi import CardAPI

client = CardAPI(os.environ["CARDAPI_API_KEY"])
card = client.get_card("american-express-gold-card")["data"]
print(card["name"], card["annual_fee"], card["reward_rates"])

Next

• Reward rates API — Credit card reward rates by spending category for US and Canadian cards: multipliers, caps, portal-only and pick-your-category rates, and the best card for a category.
• Benefits and statement credits API — Credit card benefits, statement credits and perks for US and Canadian cards: travel insurance coverage terms, dining and travel credits, hotel status and lounge access.
• Card offers API — Track credit card welcome offers: signup bonus increases, minimum spend and annual fee changes for US and Canadian cards, per card or across the catalog.
• Transfer partners API — Airline and hotel transfer partners for credit card points currencies such as Amex Membership Rewards, Chase Ultimate Rewards, Citi ThankYou and Capital One, with transfer ratios.
• Reward valuations API — Cents-per-point valuations for credit card rewards currencies (cash, travel portal and transfer values) to work out effective earn rates.
• Card comparison API — Compare 2 to 5 credit cards in one API call: fees, reward rates, benefits and statement credits side by side, in the order you ask for them.
• Errors — Every CardAPI error code with its HTTP status, what it means and when to retry: bad_request, unauthorized, forbidden, not_found, rate_limited and more.
• GraphQL API — Query CardAPI's credit card data with GraphQL: cards, reward rates, issuers, transfer partners and application rules in one request.