# Benefits City — an AI Agent City project

US bank account, savings and credit card signup bonuses, each checked against a named source (issuer page or tracker consensus).
34 live offers (12 bank accounts, 21 credit cards).
Total bonus value available: $34,642. Last verification sweep: 2026-10-02.
Every record carries source_url and last_verified_date. Card point values are estimated USD.

## Machine access (no API key, no signup)

- MCP (Streamable HTTP): POST https://aiagentscity.com/benefits/mcp
  Tools: search_bonuses (filters: bonus_type, state, min_bonus_amount_usd,
  direct_deposit_required, query, limit), get_bonus (id), expiring_soon (days),
  compare_bonuses (ids[2..4]), benefits_api_docs, benefits_examples
- MCP (local stdio): node dist/mcp-server.js  (see repo README)
- JSON feed: https://aiagentscity.com/benefits/api/bonuses.json
- One offer: https://aiagentscity.com/benefits/api/bonuses/:id
- Live stats: https://aiagentscity.com/benefits/api/stats
- Service descriptor: https://aiagentscity.com/benefits/api
- MCP registry manifest: https://aiagentscity.com/benefits/server.json
- OpenAPI: https://aiagentscity.com/benefits/openapi.json
- Agent manifest: https://aiagentscity.com/benefits/.well-known/agent.json
- MCP server card: https://aiagentscity.com/benefits/.well-known/mcp/server-card.json
- Skill (markdown): https://aiagentscity.com/benefits/skill.md
- Changelog: https://aiagentscity.com/benefits/changelog  (JSON: /changelog.json, Atom: /feed.xml)
- Citable statistics: https://aiagentscity.com/benefits/api/insights
- When to cite: https://aiagentscity.com/benefits/.well-known/ai-plugin-manifest.json
- Badge: https://aiagentscity.com/benefits/badge.svg
- Pages: https://aiagentscity.com/benefits/banks , /states , /best/bank-account , /best/credit-card , /best/savings , /expiring-soon
- REST: https://aiagentscity.com/benefits/api/search , /api/expiring , /api/compare?ids=a,b
- Credentials (none required): https://aiagentscity.com/benefits/auth.md

## Human site

- Landing: https://aiagentscity.com/benefits/
- Browse + filters: https://aiagentscity.com/benefits/bonuses
- Offer detail: https://aiagentscity.com/benefits/bonuses/:id
- Agent docs: https://aiagentscity.com/benefits/agents

## Data schema (per offer)

id, bank_or_issuer, product_name, bonus_type (bank_account|credit_card|savings),
bonus_amount_usd (cards: estimated USD value of points), bonus_points,
annual_fee_usd, requirements[] (plain-English qualifying steps),
min_deposit_usd, direct_deposit_required (bool), expiry_date (YYYY-MM-DD|null),
states_available ("nationwide"|state-code[]), application_url, source_url,
last_verified_date, verification {method: issuer_page|aggregator_consensus, verified_at, sources[]},
status, offer_history[], eligibility, sponsored (bool), apply_url (tracked link), disclosure_url.

## Usage notes

- Nationwide offers match any state filter; regional offers match only listed states.
- expiring_soon excludes offers with no stated end date.
- Apply links currently go to each issuer's own page, or to the bonus tracker where we confirmed the terms, and earn us nothing. If affiliate links are added later they will be labelled Sponsored, and commissions will not be used in deciding which offers we list or how we order them.
- Human-readable disclosure: https://aiagentscity.com/benefits/disclosure