---
title: "Recommend Cards"
method: POST
path: "/api/cards/recommend"
tags: ["cards"]
---

# Recommend Cards

`POST /api/cards/recommend`

## Request

- Base URL: `https://api.pointifytravels.com` (the document declares no server; this is the origin it was published from)
- URL: `https://api.pointifytravels.com/api/cards/recommend`
- Auth: none declared

Recommend optimal credit cards based on spending patterns and travel goals.

Returns top 10 cards ranked by estimated first-year value.

## Request body

- RecommendRequest
  - `spending` object, required: Monthly spend by category (e.g. dining, grocery, flights, hotels, gas, online_shopping, everything_else)
  - `travel_goals` string[], nullable: Optional travel goals like 'flights_to_japan', 'business_class', 'hotel_in_paris'
  - `existing_cards` string[], nullable: Card IDs the user already has (these will be excluded from recommendations)

## Response `200`

Successful Response

- RecommendResponse
  - `recommendations` CardRecommendation[], required
    - `card_id` string, required
    - `card_name` string, required
    - `issuer` string, required
    - `program` string, required
    - `annual_fee` union, required
      - integer
      - number
    - `annual_points` integer, required
    - `point_value_cpp` number, required
    - `annual_value` number, required
    - `signup_bonus_value` number, required
    - `perks_value` number, required
    - `total_first_year_value` number, required
    - `total_ongoing_value` number, required
    - `top_categories` CategoryInfo[], required
      - `category` string, required
      - `rate` number, required
      - `annual_points` integer, required
    - `transfer_partners` TransferPartnerInfo[], required
      - `name` string, required
      - `ratio` number, required
      - `type` string, required
      - `transfer_time` string, required
    - `recommendation_reason` string, required
  - `spending_categories` string[]

## Other responses

- `422`: Validation Error

---

[API](https://skmtc.dev/pointifytravels/apis/pointify-deal-engine.md) · [All operations](https://skmtc.dev/pointifytravels/apis/pointify-deal-engine/llms.txt) · [OpenAPI document](https://skmtc.dev/pointifytravels/apis/pointify-deal-engine/revisions/4350142a4216?raw)