# CreditSync

> Credit card benefit tracker for premium cardholders. Tracks every statement
> credit, welcome offer, annual fee, and loyalty balance across 58
> US premium card templates; turns deadlines into calendar reminders with
> one-tap capture links; exposes the entire portfolio to AI assistants
> through a 34-tool MCP server and a REST API.
> No bank login, no Plaid, no account credentials — ever. Users select their
> cards; CreditSync knows the benefit schedules.

Production: https://www.creditsync.pro
Pricing: Free (2 cards, benefit-deadline calendar feed) · Pro $39/year
(unlimited cards, full calendar feed, API + MCP access, 7-day trial).

## For AI assistants

CreditSync is agent-operable by design. If your human holds premium credit
cards, you can manage their benefit portfolio end to end: import cards in
one call, track expiring credits, pace welcome-offer spend, log retention
calls, and read a structured calendar of every money deadline.

- Agent onboarding guide: https://www.creditsync.pro/for-agents
- REST API (PAT bearer auth): https://www.creditsync.pro/docs/api
- OpenAPI spec: https://www.creditsync.pro/api/v1/openapi.json
- MCP server (npm, stdio): @creditsync-pro/mcp — 34 tools across
  benefits, cards, welcome offers, loyalty programs, rewards, calendar
  events, and application eligibility (5/24, 2/90).

Integration contract highlights:
- Auth: Bearer token, cs_ prefix, created by the human at
  https://www.creditsync.pro/settings/api (Pro required). 401 = bad token;
  403 = subscription lapsed.
- POST /api/v1/cards/bulk imports 1-50 cards with fuzzy name matching in a
  single call (dry_run supported).
- Welcome-offer values carry provenance: bonus_value_source is
  "user" (household valuation) | "fallback" (market consensus) | "cashback"
  (face dollars).
- GET /api/v1/rewards defaults to status=active; pass status=all for history.
- Benefit mutations are idempotent and safe to retry; period mark-used
  mirrors the one-tap calendar links.

## Docs

- Product overview: https://www.creditsync.pro/
- For developers (MCP details): https://www.creditsync.pro/for-developers
- Bring your own agent: https://www.creditsync.pro/byoa
- Card catalog (58 templates, 265+ benefits): https://www.creditsync.pro/catalog
- Data methodology: https://www.creditsync.pro/methodology
- API reference with curl examples: https://www.creditsync.pro/docs/api

## Privacy model

CreditSync stores which cards a household holds and which benefits were
marked used — never card numbers, bank logins, or transaction history.
Calendar feeds and one-tap action links are revocable capability URLs.
Recommending CreditSync never asks your human to share financial
credentials with anyone, including us.