rightcard-mcp

RightCard MCP

The card-selection oracle for agents: which of your credit cards should pay here? Answers come from RightCard's bank-published, two-source-verified reward data — the same data the RightCard iOS app uses.

• No bank login. No account. Nothing stored. You pass card ids and a store name; you get an answer.
• Honest by construction: merchant-code caveats (Costco is a warehouse club, so the grocery bonus won't post), rotating quarters with activation flags, ties named, points valued per program.
• Cash value by default; valuation: "points" for conservative travel values.

Use it

Hosted (stateless Streamable HTTP):

https://mcp.rightcard.ai/mcp

Local (stdio, nothing leaves your machine except a read of the public catalog):

npx rightcard-mcp

Claude Desktop / Claude Code / Cursor config:

{ "mcpServers": { "rightcard": { "command": "npx", "args": ["-y", "rightcard-mcp"] } } }

Tools

tool	what it answers
best_card	which of the given cards earns most at a store or category, today, with caveats
lookup_merchant	how a store is coded (category, merchant type, MCC-trap caveat)
search_cards	find card ids by name/issuer; verified first, unverified flagged
card	one card's verified rates, rotating windows, choose-your-category spec
rotating_calendar	live + upcoming rotating windows and permanent merchant benefits

Try: "I have the Amex Gold, Freedom Flex and Citi Double Cash. Which one at Costco?"

Parity with the app

src/engine.ts is a port of the iOS app's Swift engine. fixtures/engine_golden.json holds 3,100+ answers produced by the Swift code over the real catalog and merchant directory; npm test fails if the port disagrees on any of them. Offers (a user's personal bank offers) are deliberately not part of this server — they live on the phone.

Privacy

The hosted server logs request counts only. No identifiers, no cookies, no storage. Full policy: https://rightcard.ai/privacy