Bring Your Own Agent
Connect your AI assistant to CreditSync
Let Claude or your own AI agent track every credit, monitor expirations, and automate your entire credit card portfolio.
No spreadsheets. No missed benefits. No wasted annual fees.
Credit Card Benefits Are Leaking Money
Premium cards offer thousands in annual value. Most of it goes unused.
Silent resets
Monthly credits reset on the 1st. Quarterly benefits expire without notice. Miss one and the value is gone forever.
Scattered schedules
Uber resets monthly. Dining quarterly. Hotel credit semiannually. Airline fee annually. No single system tracks them all.
Invisible ROI
You pay $895/yr in fees but have no idea if you captured $900 or $400. Spreadsheets help track — but they go stale in days.
CreditSync + Your AI Agent
CreditSync is a benefits synchronization layer. It provides structured, period-aware portfolio data to any AI assistant you choose.
CreditSync provides the data and logic. Your agent turns it into action.
CreditSync handles benefit cataloging, period tracking, usage logging, expiration math, and ROI calculation. Your AI assistant handles reasoning, alerting, summarizing, and taking action on your behalf.
Three steps to connected
Connect your agent
Use Claude Desktop or any MCP-compatible assistant. Install the CreditSync MCP server and add your API key.
Sync your portfolio
CreditSync tracks every card, benefit, usage status, expiration cycle, and fee schedule. Your agent reads it all through a structured API.
Automate everything
Your agent surfaces expiring credits, suggests actions, sends alerts via Telegram or Slack, and marks benefits as used on your behalf.
What your agent can do
Portfolio Intelligence
- Full dashboard: expiring benefits, captured value, ROI, loyalty program value
- Per-card deep dive with ROI, benefits, earn rates, retention history
- Prioritized action items ranked by value at risk and urgency
- Wallet optimizer: best card for any spend category with CPP valuations
- Loyalty program balances with CPP valuations, transfer partners, and ratios
- Application eligibility: Chase 5/24, Amex 2/90, and issuer-specific rules
- Credits and certificates: gift cards, travel vouchers, companion certs
- Structured calendar events for agent orchestration — benefit expiries, fee renewals, welcome offer deadlines, loyalty point expirations, and rewards/certificates expirations all in one call
Real-Time Actions
- Mark benefits as used, partial, or unused (defaults to used for quick logging)
- Filter benefits by status, card, or expiration window across all cards
- Full welcome offer lifecycle: list, track spend, update progress, mark earned
- Add new benefits programmatically with duplicate detection (409 + force override)
- Log, update, and delete retention offers with full outcome tracking (auto-pairs spend-requirement bonuses to calendar)
- Update card metadata: fee month, open date, business flag, product changes
- Close or deactivate cards (soft delete, preserves history and ROI data)
- Update loyalty program balances (absolute set or relative delta)
- Track external cards for application rule accuracy
- Add and manage standalone rewards (gift cards, travel credits, vouchers)
- Search the card catalog by issuer, name, or combined query
- Bulk import entire portfolios in one call with fuzzy matching and metadata
Calendar & Alerts
- Benefit expiration reminders at configurable lead days
- Loyalty program point expiration alerts (90, 30, 7 days + expiry day)
- Welcome offer deadline alerts in the calendar feed
- Annual fee retention window alerts with ROI context
- Reward and certificate expiration tracking
- Telegram, Slack, Discord, or SMS via webhooks
- Pre-trip checklists for unused travel credits
Example alerts from an AI workflow:
📅 EXPIRING: Your $75 lululemon credit expires in 3 days on your Amex Platinum. You also have $200 unused airline fee credit this card year. Total at risk this week: $275.
💳 WALLET: Use your Amex Gold for tonight’s dinner — 4x MR = ~8¢/dollar at 2.0¢/pt valuation. Your Freedom Unlimited only gets 1.5x UR (3¢/dollar). That’s $10 more value on a $200 tab.
🎯 WELCOME OFFER: $1,400 left to spend on your Sapphire Reserve SUB. 22 days remaining — that’s $64/day to hit the target. Don’t open the Amex Gold app yet — finish this one first.
🔁 TRANSFER: Your 142K Membership Rewards transfer 1:1 to Virgin Atlantic. Round-trip business to Tokyo: 90K points + ~$300 in fees. That’s a 2.8¢/pt redemption on a $2,800 cash fare.
📊 RENEWAL: Your Amex Platinum fee posts in 38 days ($695). Credits captured this fee year: $1,247. Net ROI: +$552. Last year’s retention offer: $200 credit. Call the retention line before the fee posts.
🪪 5/24 STATUS: You’re at 4/24 with Chase — 1 slot available. Next slot opens June 2026. If you want the Hyatt card, the window is now.
🎫 VOUCHERS: You have $209 in Southwest travel funds. Two expire June 5 (57 days). Book any Southwest fare to burn the expiring funds first.
📞 RETENTION: Your Amex Gold fee posts next month ($325). History: declined $150 credit last year. Captured $289 — net ROI is -$36. Push for 25K MR after $2K spend. If less than $200 equivalent, decline and cancel.
Portfolio on Autopilot
An example of what a power user’s setup looks like.
Cards Tracked
15+
Benefits Monitored
50+
Annual Fees
$5,000+
Available Value
$22,000+
What the AI workflow does:
- Scans daily for expiring credits and sends Telegram alerts
- Runs weekly reconciliation across all cards in the portfolio
- Sends urgent alerts for same-day expiration deadlines
- Logs usage in real time after confirming purchases
Before
Manual tracking
- Spreadsheets updated weekly (at best)
- No expiration alerts until it is too late
- Usage tracked by memory, not data
- No idea if cards are paying for themselves
- Benefits discovered after they expire
After
CreditSync + AI
- Structured real-time data via API
- Proactive alerts at 7 days, 1 day, and last day
- Every dollar tracked with partial usage support
- Exact capture vs. annual fees with ROI
- AI surfaces actions before deadlines hit
Your Portfolio. Your Agent. Your Rules.
CreditSync is open infrastructure, not a walled garden.
Any AI assistant
Claude, Gemini, or any MCP-compatible agent. Swap anytime.
Any notification channel
Telegram, Slack, email, SMS, push. Mix and match.
Any workflow
Morning briefs, pre-trip checks, spend routing. Build your own.
Full API access
Read and write. Query benefits, mark as used, pull metrics.