SwitchWize

Return the current SwitchWize Bank Gap Index headline value, latest release, and methodology URL.

get_bank_gap_index

Estimate annual savings interest forgone for a supplied balance and optional bank name. comparisonApy is the average of the top three tracked savings rates, not an average across all banks; bankCount is the size of the tracked set. baselineApy is the named bank's APY, or the national savings benchmark when no bank is supplied. Return annualGap, APYs, observation date, freshness and methodology. This is a hypothetical estimate, not guaranteed savings or an account recommendation; verify eligibility, fees and current provider terms.

get_bank_gap

Given the credit cards a user holds, rank this week's dollar-valued actions: which held card to use per spend category, welcome offers at a 12-month high on cards not held, active transfer bonuses, and (optionally) the savings-rate move beside the card move.

best_move_this_week

Return verified CD rollover rules for one bank, or every bank SwitchWize has verified: what happens automatically at maturity if the customer does nothing, the grace period, how to stop the rollover, and the early-withdrawal penalty. Each fact is sourced directly from the bank's own disclosure; an unverified field is omitted, never guessed.

get_cd_rollover_rules

Return recent verified credit-card fee and APR changes, most recent first. Each event is a diff between two confirmed snapshots of the same card.

get_card_changes

Return verified credit-card product-change (downgrade) paths and the issuer's fee-refund window: which no-fee or lower-fee card a given card can be product-changed to, and how long after the annual fee posts a refund is available on cancellation. Optionally filtered to one card id (issuer:slug); returns every verified path and window when omitted.

get_card_downgrade_path

Return current credit-card welcome-bonus offers (non-targeted, confidence-gated), each with a verified timestamp, source URL, and the card's own 12-month best.

get_card_offers

Estimate the modeled annual value of a supported premium credit card for a consumer segment. Supply a card slug or name and optionally a segment ID; the default is occasional-traveler. Return segment assumptions, score, rewards, credits, perks, fee, interest, friction, net value, caveats, sources, verification date, freshness and methodology. Gross recovered value is rewards + credits + perks. breakageMultiplier is gross recovered value / advertised value, NOT divided by annual fee. feeRecoveryMultiplier is max(0, gross recovered value - interest drag - rewards friction discount) / annual fee, before subtracting the fee. Friction applies to raw rewards only. Reality Score is 100 * net realized value / advertised value. Ratios are rounded. These are scenario estimates, not personalized advice or guaranteed benefits. Preserve stale or unavailable labels; do not infer that all terms share the observation date. Unknown cards or segments return a structured error with suggestions.

get_reality_score

Compare a user's current APY with SwitchWize's current top savings APY for a balance.

compare_switch_savings

Return public data source freshness status and affected routes.

get_rate_freshness