RightCard
Which of your credit cards to use at any store, from verified bank data. No bank login.
Links
README
From the repo.
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
Config for your environment
Use the endpoint URL below in your config. No API key — you connect directly.
Tool
OS
Config file: ~/.cursor/mcp.json
{
"mcpServers": {
"mcp-server": {
"url": "https://mcp.rightcard.ai/mcp"
}
}
}Paste into mcpServers in the config file. Restart Cursor after saving.
If this MCP is also published on mcpchannel.ai, you can subscribe from Browse and use the gateway config there instead.