best_move_this_week
ChatGPTGiven 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.
business_card_cost
ChatGPTEstimate yearly rewards minus annual, foreign and late fees for four small-business credit cards, given monthly spend, spend in the bonus category, share of spend abroad and late payments per year. Fees come from issuer pages a reviewer read and quoted; a fee with no current quote is marked not verified and left out of the ranking, never treated as zero. Excludes welcome bonuses, credits, interest and approval odds. Pay-in-full scenario, not personalized advice.
compare_accounts
ChatGPTCompare two to five named banks on the editor-approved rates for savings, money market, checking or CDs (CDs by termMonths, default 12). For a balance, return each bank's APY, yearly interest, the gap to the best bank in your set and to the best verified rate, with verified date and source. Only banks in the approved set can be compared; a category with no current approved release returns data_unavailable and no rates. Illustrative interest before taxes, not a recommendation; verify eligibility and minimums.
compare_switch_savings
ChatGPTCompare a user's current APY with SwitchWize's current top savings APY for a balance.
get_bank_gap
ChatGPTEstimate 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_index
ChatGPTReturn the current SwitchWize Bank Gap Index headline value, latest release, and methodology URL.
get_card_changes
ChatGPTReturn 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_downgrade_path
ChatGPTReturn 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_offers
ChatGPTReturn 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_cd_rollover_rules
ChatGPTReturn 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_fed_hike_pass_through
ChatGPTReturn 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.
get_index_dataset
ChatGPTReturn a SwitchWize index dataset summary and recent series.
get_rate_freshness
ChatGPTReturn public data source freshness status and affected routes.
get_reality_score
ChatGPTEstimate 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_reward_valuations
ChatGPTReturn SwitchWize points/miles valuations (cents per point) per reward currency, with sample size and provisional/published status.
get_top_hysa_rates
ChatGPTReturn top high-yield savings rates with freshness and attribution. Answers only from the editor-approved snapshot; before its first release it returns no ranked rates and says so (approval_status: not_yet_approved). approvedOnly makes the requirement explicit. detail=full adds every listed account marked verified or tracked, best picks, movers, history and a headline summary.
get_top_rates
ChatGPTReturn top SwitchWize rates with freshness and attribution. Savings, CDs, checking and money market answer only from their editor-approved snapshot. A category with no approved release yet returns no ranked rates and says so (approval_status: not_yet_approved) rather than serving unverified observations; approvedOnly makes that requirement explicit. Approved responses include product terms and field evidence; stale or unavailable releases return no ranked rates. detail=full (savings) adds the complete shared build: every listed account marked verified or tracked, best picks, movers, history and a headline summary.
get_transfer_bonuses
ChatGPTReturn 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.
