GET
/
api
/
v1
/
credit-card-rates
/
time-series
curl --request GET \
  --url https://ratesapi.nz/api/v1/credit-card-rates/time-series
{
  "type": "CreditCardRatesTimeSeries",
  "timeSeries": {},
  "availableDates": [
    "<string>"
  ],
  "termsOfUse": "<string>",
  "timestamp": "2025-03-04T02:30:00.000Z"
}

This endpoint provides historical time series data for credit card rates, allowing you to analyze trends and changes over time. The data is stored in Cloudflare D1 database, enabling efficient querying of historical datasets.

​
Response Data

The response includes:

  • Timestamp for each data point
  • Institution name and ID
  • Purchase interest rates
  • Cash advance rates
  • Balance transfer rates and promotional periods
  • Annual fees
  • Reward program details
  • Minimum credit limits
  • Special features and benefits

​
Use Cases

  • Credit Card Rate Tracking: Monitor how credit card interest rates change over time
  • Promotional Offer Analysis: Track balance transfer and introductory rate offers across institutions
  • Fee Structure Comparison: Analyze changes in annual fees and fee structures over time
  • Market Competition Studies: Identify competitive trends and market responses in the credit card space
  • Consumer Education Tools: Provide historical context for current credit card offerings

​
Notes on Data Storage

The time series data is stored in Cloudflare D1, a serverless SQL database built on SQLite. This allows for:

  • Efficient querying of historical datasets
  • Fast retrieval of large time series datasets
  • Reliable data persistence and backup
  • Scalable performance for growing historical datasets

Query Parameters

​
date
string

Date in YYYY-MM-DD format for historical data

Example:

"2025-03-01"

​
startDate
string

Start date in YYYY-MM-DD format for time series range

Example:

"2025-01-01"

​
endDate
string

End date in YYYY-MM-DD format for time series range

Example:

"2025-03-01"

​
issuerId
string

Optional issuer ID to filter time series data

Example:

"issuer:visa"

Response

200
application/json
Retrieve credit card rates time series data
​
type
enum<string>
required
Available options:
CreditCardRatesTimeSeries
​
timeSeries
object
required

Time series data keyed by date in YYYY-MM-DD format

​
availableDates
string[]
required

List of all available dates in YYYY-MM-DD format

​
termsOfUse
string
required
​
timestamp
string
required

Current server timestamp

Example:

"2025-03-04T02:30:00.000Z"

List Credit Card RatesGet Mortgage Rates by Institution ID