io.github.switchwize/switchwize-mcp

Tools

• best_move_this_week

  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.

  shallow
• compare_switch_savings

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

  shallow
• get_bank_gap

  Estimate the annual savings gap for a balance using the current Bank Gap Index assumptions.

  shallow
• get_bank_gap_index

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

  shallow
• get_card_changes

  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.

  shallow
• get_card_downgrade_path

  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.

  shallow
• get_card_offers

  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.

  shallow
• get_cd_rollover_rules

  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.

  shallow
• get_fed_hike_pass_through

  Return how much of the latest Federal Reserve rate hike each tracked savings account has passed through to savers so far: rate before the hike, rate now, change in basis points, pass-through share, and days until the bank moved. One source per bank; each row carries its source type and observation dates. Optionally filtered to one institution id.

  shallow
• get_index_dataset

  Return a SwitchWize index dataset summary and recent series.

  shallow
• get_rate_freshness

  Return public data source freshness status and affected routes.

  shallow
• get_reality_score

  Return a premium credit-card Reality Score for a card and consumer segment.

  shallow
• get_reward_valuations

  Return SwitchWize points/miles valuations (cents per point) per reward currency, with sample size and provisional/published status.

  shallow
• get_top_hysa_rates

  Return top high-yield savings rates with freshness and attribution metadata.

  shallow
• get_top_rates

  Return top SwitchWize rates for a supported category with freshness and attribution metadata.

  shallow
• get_transfer_bonuses

  Return current point-transfer bonuses across tracked bank-to-partner routes, each with a verified timestamp, source URL, and best-ever-for-route when real history exists.

  shallow

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