KoKo API Explorer

Interactive playground for KoKo Finance API v1 — enter your API key to get started

Portfolio Analyze

POST FAST

/api/v1/portfolio/analyze

Cards (JSON array)

Each object needs card_name; optional: annual_fee, sign_on_bonus

Portfolio Analyze

POST VERBOSE

/api/v1/portfolio/analyze?mode=verbose

Cards (JSON array)

Same input — returns AI narrative + health analysis (3-5s)

Renewal Check

POST

/api/v1/intelligence/renewal

Card Name Portfolio Context (comma-separated, optional)

Other cards you own — for downgrade/replacement suggestions

Benefit Selections (comma-separated keys, optional)

Selected = 100% value, unselected = 0%

Cards Compare

POST FAST

/api/v1/intelligence/compare

Card Names (comma-separated, 2-3)

Cards Compare

POST VERBOSE

/api/v1/intelligence/compare?mode=verbose

Card Names (comma-separated, 2-3)

Card Recommend

POST FAST

/api/v1/intelligence/recommend

Category Monthly Amount ($) Portfolio Cards (comma-separated, optional)

If provided: ranks your cards. If empty: ranks all cards in market.

Card Recommend

POST VERBOSE

/api/v1/intelligence/recommend?mode=verbose

Category Monthly Amount ($) Portfolio Cards (comma-separated, optional)

Card Search

POST FAST

/api/v1/cards/search

Card Type

Max Annual Fee ($)

Issuer

Max Results

Deterministic ranking by spend alignment, fee value, sign-on bonus. Uses spending profile above.

Which Card at Merchant

POST

/api/v1/intelligence/merchant/best-card

Merchant Amount ($) Portfolio (comma-separated)

Merchant Credit Match

POST

/api/v1/intelligence/merchant/benefits

Merchant Portfolio (comma-separated)

Which of your cards have credits here?

Card Benefits Lookup

POST

/api/v1/intelligence/merchant/benefits

Card Name

Returns all credits with value, frequency, schedule.

Card Terms (Schumer Box)

GET

/api/v1/cards/{card_id}/terms

Card ID

APR, penalty rates, fees. Use card ID from portfolio or search results.

Card Change History

GET

/api/v1/cards/{card_id}/history

Card ID

Field (optional)

Since (optional)

Audit log of fee, benefit, and multiplier changes

Bulk Card Changes

GET

/api/v1/cards/changes

Since (required) Fields (optional, comma-separated)

All card data changes across the database since a date

Program Valuation History

GET

/api/v1/reference/programs/{program_key}/history

Program Key Since (optional)

CPP and transfer partner ratio changes over time

Points Programs

GET

/api/v1/reference/programs

Lists all verified points programs (Amex MR, Chase UR, etc.)

Points Playbook

POST

/api/v1/portfolio/points-playbook

Cards (comma-separated) Point Balances (JSON, optional)

AI-generated redemption strategies (3-5s)