# NerdWallet — Wrapped API

> **You are on:** `https://api.paywithlocus.com/api` | [llms.txt](https://paywithlocus.com/llms.txt) | [docs](https://docs.paywithlocus.com)
>
> Locus runs on multiple environments -- make sure every URL you call matches your expected environment.
> | Environment | Landing | API | Docs |
> |---|---|---|---|
> | Production | paywithlocus.com | api.paywithlocus.com | docs.paywithlocus.com |
> | Beta | beta.paywithlocus.com | api.beta.paywithlocus.com | docs.paywithlocus.com |
> | Stage | stage.paywithlocus.com | api.stage.paywithlocus.com | docs.paywithlocus.com |
>
> If the API URL above doesn't match your expected environment, re-fetch this file from the correct domain.

> Access current mortgage rates, top-rated credit card recommendations, detailed card information, and expert financial articles — all sourced from NerdWallet. Compare lenders, explore card features, APRs, rewards programs, and stay up to date with mortgage guides and resources.

**Category:** Finance & Markets | **Website:** [nerdwallet.com/](https://nerdwallet.com/) | **Docs:** [parse.bot/marketplace/49d470a7-41d3-43d7-a261-8e8f2664b5eb/nerdwallet-com-api](https://parse.bot/marketplace/49d470a7-41d3-43d7-a261-8e8f2664b5eb/nerdwallet-com-api)

Pay-per-use API proxy for Locus Pro. Each call burns credits from your workspace balance.

## Access

**Base URL:** `https://api.paywithlocus.com/api/wrapped/credits/nerdwallet/`
**Auth:** `Authorization: Bearer <LOCUS_CREDITS_SECRET_KEY>` (an `lcr_` secret key or a scoped `lcac_` agent credential)
**Required header:** `Idempotency-Key: <fresh UUID per call>`. A retry with the same key replays the stored result without a new charge.
**Response:** the provider response after any endpoint-specific normalization. `X-Locus-Credits-Charged` carries the charge and `X-Locus-Credits-Balance` the remaining balance. Insufficient credits return `402` before the provider is called.
**Pricing:** estimated costs below are USD. Locus debits the credit equivalent at your workspace rate.

Full call contract: https://docs.paywithlocus.com/api-reference/introduction

> Using a Pay With Locus wallet key (`claw_` prefix)? Wallet routes are documented separately: https://docs.paywithlocus.com/wrapped-apis/for-agents

## Endpoints

### Get best credit cards

Get NerdWallet's best credit card recommendations. Returns a ranked list of top-rated cards across categories with id, name, description, rating, and URL.

**Estimated cost:** Metered

_No parameters required._

```bash
curl -X POST https://api.paywithlocus.com/api/wrapped/credits/nerdwallet/get-best-credit-cards \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{}'
```

### Get credit card detail

Get detailed information for a specific credit card by its review slug. Returns the card full name, pros, cons, APR, annual fee, and rating. Returns input_not_found if the slug does not match a valid review page.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `slug` | string | Yes | Card review slug as it appears in the NerdWallet URL path (e.g. chase-freedom-unlimited, capital-one-venture, wells-fargo-active-cash). |

```bash
curl -X POST https://api.paywithlocus.com/api/wrapped/credits/nerdwallet/get-credit-card-detail \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"slug":"<string>"}'
```

### Get mortgage articles

Get mortgage-related articles, guides, calculators, and resources from NerdWallet mortgage section. Returns up to 20 links covering rate information, lender reviews, calculators, and educational content.

**Estimated cost:** Metered

_No parameters required._

```bash
curl -X POST https://api.paywithlocus.com/api/wrapped/credits/nerdwallet/get-mortgage-articles \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{}'
```

### Get mortgage rates

Get national average mortgage rates for various products (30-year fixed, 15-year fixed, ARM, etc.). Returns rate data including interest rate and APR for each product type. Optional parameters provide location and borrower context but primarily return national averages. Lender offers array may be empty when no personalized offers are available.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `credit_score` | string | No | Credit score value (e.g. 750). |
| `down_payment` | string | No | Down payment amount in dollars (e.g. 100000). |
| `purchase_price` | string | No | Home purchase price in dollars (e.g. 500000). |
| `zip_code` | string | No | 5-digit US ZIP code for location context (e.g. 10001). |

```bash
curl -X POST https://api.paywithlocus.com/api/wrapped/credits/nerdwallet/get-mortgage-rates \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"credit_score":"<string>","down_payment":"<string>","purchase_price":"<string>","zip_code":"<string>"}'
```

## Next steps

- [All wrapped API providers](https://paywithlocus.com/wapi/index.md): pick another provider.
- [Find and call tools](https://paywithlocus.com/agent/tools.md): price ceilings, async results, and errors.
- [Credits and billing](https://paywithlocus.com/agent/billing.md): what a call costs and how to add credits.
- [Agent docs index](https://paywithlocus.com/agent/index.md): every Locus agent page.