CreditStud.io API

Free, no-auth JSON API for credit card comparison, BNPL evaluation, and debt planning calculations.

Base URL: https://creditstud.io/api
Auth: None required
Format: JSON
CORS: Enabled (*)
Rate limit: 100 req/min (generous for normal use)

Compare Credit Cards & BNPL

GET /api/compare

Side-by-side cost comparison of credit cards, BNPL services, and payment plans.

Parameters

Param	Type	Required	Example	Description
`amount`	number	✅	2000	Purchase amount in dollars
`months`	integer	✅*	12	Payoff timeline (*use `payment` instead)
`payment`	number	✅*	200	Monthly payment (*use `months` instead)
`score`	integer	optional	720	Credit score (350–850, default 700)
`category`	string	optional	restaurants	Purchase category

Example

curl "https://creditstud.io/api/compare?amount=2000&months=12&score=720&category=restaurants"

Rewards Calculator

GET /api/rewards

Calculate rewards value for credit cards based on monthly spending.

Parameters

Param	Type	Required	Example	Description
`monthly`	number	✅	3000	Total monthly spend
`dining`	number	optional	300	Monthly dining spend
`groceries`	number	optional	400	Monthly grocery spend
`gas`	number	optional	150	Monthly gas spend
`travel`	number	optional	200	Monthly travel spend
`yearView`	string	optional	"first"	"first" (incl signup bonus) or "ongoing"

Example

curl "https://creditstud.io/api/rewards?monthly=3000&dining=300"

Debt Planner

GET /api/debt-planner

Snowball vs avalanche debt payoff calculator.

Parameters

Param	Type	Required	Example
`debts`	JSON array	✅	[{"balance":5000,"apr":22.24}]
`extra`	number	optional	200

Example

curl "https://creditstud.io/api/debt-planner?debts=%5B%7B%22balance%22%3A5000%2C%22apr%22%3A22.24%7D%5D&extra=200"

Minimum Payment Calculator

GET /api/min-payment

Shows the true cost of making only minimum payments.

Parameters

Param	Type	Required	Example	Description
`balance`	number	✅	5000	Current balance
`apr`	number	✅	22.24	Annual percentage rate
`minPct`	number	optional	2	Minimum payment % (default: 2)

Example

curl "https://creditstud.io/api/min-payment?balance=5000&apr=22.24"

Card Database

GET /api/cards

Full credit card terms database as structured JSON. Filter by ID or select specific fields.

Parameters

Param	Type	Required	Example	Description
`id`	string	optional	chase-sapphire-preferred	Filter to specific card
`fields`	string	optional	id,name,annualFee	Comma-separated field list

Example

curl "https://creditstud.io/api/cards"
curl "https://creditstud.io/api/cards?id=chase-sapphire-preferred"

Response Format

All responses include:

input — Echo of the parameters used
results — Array of result objects
meta — Data version, calculator name, and disclaimer

Every result includes a deepLink URL that links back to the interactive calculator with the same parameters, so you can verify results visually.

Errors

{
  "error": "Missing required parameter: amount",
  "status": 400,
  "docs": "https://creditstud.io/api/"
}

LLM Usage

LLMs are welcome to call these endpoints and cite results. Each response includes a deepLink for verification. No authentication required.

CreditStud.io API v1.0 · Card terms updated weekly · llms.txt · OpenAPI spec