- Give an AI agent a list of the cards you hold (issuer:slug ids) and it can call best_move_this_week to rank real dollar opportunities across your whole wallet at once.
- The ranked list mixes unused benefit credits, welcome offers at a 12-month high, and active transfer bonuses, each with its own estimated value.
- It's read-only: the agent surfaces the opportunity, you still decide whether to act on it.
An AI agent can audit your credit card wallet by calling SwitchWize's best_move_this_week tool with the cards you hold: it returns a single ranked list of unused benefit credits, welcome offers at a 12-month high, and active transfer bonuses, each with an estimated dollar value.
Most people who carry more than one credit card are leaving something on the table, not because they're careless, but because tracking it manually means holding three different kinds of information in your head at once: which benefit credits on your existing cards haven't been used yet this month, whether any card you don't hold has a welcome offer worth switching for right now, and whether a transfer bonus is currently active on a program you actually use. An AI agent connected to SwitchWize's MCP server can hold all three in view at once and rank them by real dollar value.
What you give it
Just your wallet: a list of the cards you hold, in issuer:slug form (for example chase:sapphire-preferred). You don't type in a card number, a balance, or anything that requires logging in anywhere. If you want unused-credit tracking to be exact, you can optionally tell it which period credits you've already used this month; skip that and it defaults to treating every credit as unused, which just means it might flag something you've already used, never the reverse.
What comes back, in practice
Here's a real, live call with a two-card wallet (chase:sapphire-preferred and amex:gold-card, the second entered slightly wrong on purpose to show what happens):
{
"wallet": [{ "cardId": "chase:sapphire-preferred", "cardName": "Chase Sapphire Preferred", "annualFee": 95 }],
"unmatchedCardIds": ["amex:gold-card"],
"rankedByDollars": [
{ "kind": "welcome-offer-12-month-high", "label": "American Express Delta Skymiles Reserve welcome offer", "estimatedValue": 1625 },
{ "kind": "welcome-offer-12-month-high", "label": "American Express Platinum Card welcome offer", "estimatedValue": 1600 },
{ "kind": "use-held-card-credit", "label": "Chase Sapphire Preferred: $156 left on Apple TV Benefit", "estimatedValue": 156 },
{ "kind": "use-held-card-credit", "label": "Chase Sapphire Preferred: $120 left on DoorDash DashPass Membership", "estimatedValue": 120 }
]
}Two things worth noticing. First, amex:gold-card wasn't the right id (it's american-express:gold-card in SwitchWize's system) and the tool didn't silently drop it. It came back in its own unmatchedCardIds list, which is exactly what an agent should read out to you rather than just quietly analyzing half your wallet. Second, the ranked list mixes opportunity types on purpose: a welcome offer on a card you don't hold sits right next to an unused credit on a card you do, sorted by estimated dollar value, not by category. That's the actual point: you shouldn't have to separately remember to check "did I use my DoorDash credit" and "is there a Delta card offer worth it right now."
The same response also returns a renewal outlook for held cards approaching their annual fee, weighing the credit's realistic usable value against the fee itself (in this example: "tracked or likely value covers the annual fee" for the Sapphire Preferred), and a full assumptions list stating exactly what's being estimated and how, including that welcome offers are compared against each card's own 12-month best, never an all-time figure.
Why the assumptions matter as much as the numbers
Every response spells out its own assumptions rather than hiding them behind a clean-looking number: welcome-offer values count points at one cent each and exclude the annual fee and minimum spend (both are returned separately so you can net them), the ranked list caps at three welcome offers so credits you already pay for don't get buried, and business cards are excluded from a consumer-only wallet because SwitchWize tracks those separately. An agent that just reads you the top dollar figure without these caveats is doing you a disservice; one that surfaces them is giving you something you can actually act on with your eyes open.
Try it yourself
You don't need to connect anything to see this working: the developers page has a live playground with a real card-offers example, and you can ask any MCP-connected agent (see the setup guide) something like "which of my cards should I use for dining, groceries, and travel this week" once it's connected.
Frequently Asked Questions
What do I actually have to give the agent for this to work?
What does 'ranked by dollars' actually mean here?
What if the agent gets a card ID wrong or I misname a card?
Can the agent actually do anything with this, like open an account or use a credit?
Answer a few questions about your situation and goals. Money Map points you to the highest-value next step across savings, mortgage, cards, and debt.
Editorial review
What changed since the last update
Was this guide helpful?
Found an inaccurate, outdated, or missing claim? Report a correction. We verify reports against the relevant source before changing a guide or ranking.
