Is io.github.cwasley/earnrate safe to use?

io.github.cwasley/earnrate has no known CVEs as of the latest MCPpedia security scan. Authentication requirements were not detected automatically - check the project's documentation before connecting in a shared environment. Licensed under MIT.

How do I install io.github.cwasley/earnrate?

io.github.cwasley/earnrate supports copy-paste install configs on its MCPpedia page for Claude Desktop, Cursor, and Claude Code. Scroll to the Quick Install section and select your client.

What can io.github.cwasley/earnrate do?

io.github.cwasley/earnrate provides 5 tools: best_card_for_purchase, resolve_merchant, list_wallet, compare_welcome_offers, record_purchase. See the full tools list on the server page for descriptions and parameters.

What AI clients work with io.github.cwasley/earnrate?

io.github.cwasley/earnrate is compatible with claude-desktop, cursor, claude-code. It uses stdio and sse transport.

Is io.github.cwasley/earnrate actively maintained?

io.github.cwasley/earnrate is actively maintained - last commit was 2 days ago. It has 1 GitHub stars.

io.github.cwasley/earnrate

earnrate

Which credit card earns the most at a merchant, from your cards or every card, and why.

1 3.4k/wk 5 tools GitHub npm

No known CVEs

MIT license

Actively maintained

Last commit 2d ago

Works with most clients

Transport: stdio, sse

5 tools · ~176 tok

Grade A · 0.1% of 200K ctx

MCPpedia last refreshed this data 2d ago

Edit this pageView history

io.github.cwasley/earnrate is an MCP server that which credit card earns the most at a merchant, from your cards or every card, and why. Its tool list has not been published yet over stdio and sse, requires no API key, and scores 91/100 on MCPpedia's security, maintenance and efficiency rubric.

Finance E-Commerce

Step 1

Install in your client

Config is the same across clients - only the file and path differ.

Supported in Claude Desktopstdio, sse · Node 18+

Paste into ~/Library/Application Support/Claude/claude_desktop_config.json

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

Are you the author?

Add this badge to your README to show your security score and help users find safe servers.

Embed in your READMEAbout badges →

[![MCPpedia Score](https://mcppedia.org/api/badge/io-github-cwasley-earnrate)](https://mcppedia.org/s/io-github-cwasley-earnrate)

Read me

What io.github.cwasley/earnrate does

Which credit card earns the most at a merchant, from your cards or every card, and why.

Test This Server

This server supports HTTP transport. Be the first to test it - help the community know if it works.

Loading README…

Scored, not listed

Why this score

Five weighted categories - click any category to see the underlying evidence.

Score breakdown

91/100across 5 weighted dimensions

How we score →

0255075100

−9

Security

Maintenance

Efficiency

Documentation

Compatibility

Categoriesclick a row to see evidence

Security

OSV.dev

No known CVEs.

Checked earnrate against OSV.dev.

Inventory

Tools (5)

Click any tool to inspect its schema.

~176 tokens total

Community

Reviews

Be the first to review

Have you used this server?

Share your experience - it helps other developers decide.

How easy was setup?Did it work reliably?How was the documentation?

Frequently Asked Questions

Is io.github.cwasley/earnrate safe to use?: io.github.cwasley/earnrate has no known CVEs as of the latest MCPpedia security scan. Authentication requirements were not detected automatically - check the project's documentation before connecting in a shared environment. Licensed under MIT.
How do I install io.github.cwasley/earnrate?: io.github.cwasley/earnrate supports copy-paste install configs on its MCPpedia page for Claude Desktop, Cursor, and Claude Code. Scroll to the Quick Install section and select your client.
What can io.github.cwasley/earnrate do?: io.github.cwasley/earnrate provides 5 tools: best_card_for_purchase, resolve_merchant, list_wallet, compare_welcome_offers, record_purchase. See the full tools list on the server page for descriptions and parameters.
What AI clients work with io.github.cwasley/earnrate?: io.github.cwasley/earnrate is compatible with claude-desktop, cursor, claude-code. It uses stdio and sse transport.
Is io.github.cwasley/earnrate actively maintained?: io.github.cwasley/earnrate is actively maintained - last commit was 2 days ago. It has 1 GitHub stars.

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Community

Discussion

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Finance E-Commerce

Step 1

Install in your client

Config is the same across clients - only the file and path differ.

Supported in Claude Desktopstdio, sse · Node 18+

Paste into ~/Library/Application Support/Claude/claude_desktop_config.json

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

Are you the author?

Add this badge to your README to show your security score and help users find safe servers.

Embed in your READMEAbout badges →

[![MCPpedia Score](https://mcppedia.org/api/badge/io-github-cwasley-earnrate)](https://mcppedia.org/s/io-github-cwasley-earnrate)

Read me

What io.github.cwasley/earnrate does

Which credit card earns the most at a merchant, from your cards or every card, and why.

Test This Server

This server supports HTTP transport. Be the first to test it - help the community know if it works.

README

earnrate

I wanted a ghost card: one card that always charges the best of my cards. The card networks won't allow one, so I built the next best thing.

earnrate is the best-card decision layer for people and AI agents. Give it a merchant, and it tells you which credit card earns the most there, from your own cards or from every card it knows, and why. Save your cards and it tracks your caps and chosen categories. It's valuation-aware and transparent about its assumptions. It never sees a card number.

Runs on your machine, in your browser at earnrate.dev (which you can add to your phone's Home Screen and use offline), or in Claude as a connector at https://mcp.earnrate.dev, with nothing to install. earnrate.dev and Claude can share one wallet. No account and no affiliate links; the hosted server counts requests by tool name, nothing about what you ask. See the privacy page.
U.S. cards and U.S. merchants, for now.

Status: early, and it works: the engine, CLI, optional Claude merchant lookup, MCP server and the hosted Claude connector. See the benchmark (run 2026-11-03) for how it compares to an existing card-picking MCP server.

Try it

Needs Node 22 or later (the published package is compiled JavaScript).

npm install -g earnrate
earnrate restaurants               # the best cards earnrate knows, no setup
earnrate trader joes --cards amex-gold,chase-prime-visa   # just these cards
earnrate whole foods 80            # add an amount to see the dollars back

You never have to enter your cards: with none, every answer covers every card earnrate knows. To have earnrate remember yours, track caps and welcome bonuses, and give a cheat sheet for your own wallet, save them:

earnrate cards sapphire            # find your cards' IDs
earnrate add chase-sapphire-preferred
earnrate add amex-gold
earnrate whole foods 80

Adding a card tells you anything else it needs to earn correctly, such as the categories you picked on Cash+, Amazon Prime for Prime Visa's 5%, or which rotating categories you've activated. earnrate update and earnrate memberships set those. Memberships and point values (earnrate values) can be saved without any cards, and every answer uses them. Using an AI assistant instead? Add earnrate to it and ask; name your cards or save them there.

With the example wallet, it prints:

Whole Foods Market · $80

Use Blue Cash Preferred: 6% back, about $4.80. High confidence.

  1. Blue Cash Preferred  6%  $4.80
     6% cash back on supermarkets. ...
  2. Prime Visa           5%  $4.00
     5% cash back on Whole Foods Market, with Amazon Prime. ...
  3. Amex Gold            4%  $3.20
     4x Amex Membership Rewards on supermarkets. ...
     Valued at 1¢ per point: 4% back.
  + 6 more cards (--all lists them)

Amex Gold beats Blue Cash Preferred here if Amex Membership Rewards (MR) points are worth more than 1.5¢ (you value them at 1¢).

Assumes Whole Foods Market counts as a supermarket (MCC 5411).
Point values: Amex Membership Rewards (MR) at 1¢, SoFi Member Rewards at 1¢ and Chase Ultimate Rewards (UR) at 1¢.

Options: --online or --in-store, --paying card|apple-pay|google-pay|paypal, --valuation flat|points-heavy, --cards, --member, --category, --all, --json, --date, --country. Run earnrate --help for details. To keep the wallet somewhere else, set EARNRATE_WALLET to its path.

earnrate cheatsheet prints the card to use for

... View full README on GitHub

Loading README…

Scored, not listed

Why this score

Five weighted categories - click any category to see the underlying evidence.

Score breakdown

91/100across 5 weighted dimensions

How we score →

0255075100

−9

Security

Maintenance

Efficiency

Documentation

Compatibility

Categoriesclick a row to see evidence

Security

OSV.dev

No known CVEs.

Checked earnrate against OSV.dev.

Inventory

Tools (5)

Click any tool to inspect its schema.

~176 tokens total

Community

Reviews

Be the first to review

Have you used this server?

Share your experience - it helps other developers decide.

How easy was setup?Did it work reliably?How was the documentation?

Frequently Asked Questions

Is io.github.cwasley/earnrate safe to use?: io.github.cwasley/earnrate has no known CVEs as of the latest MCPpedia security scan. Authentication requirements were not detected automatically - check the project's documentation before connecting in a shared environment. Licensed under MIT.
How do I install io.github.cwasley/earnrate?: io.github.cwasley/earnrate supports copy-paste install configs on its MCPpedia page for Claude Desktop, Cursor, and Claude Code. Scroll to the Quick Install section and select your client.
What can io.github.cwasley/earnrate do?: io.github.cwasley/earnrate provides 5 tools: best_card_for_purchase, resolve_merchant, list_wallet, compare_welcome_offers, record_purchase. See the full tools list on the server page for descriptions and parameters.
What AI clients work with io.github.cwasley/earnrate?: io.github.cwasley/earnrate is compatible with claude-desktop, cursor, claude-code. It uses stdio and sse transport.
Is io.github.cwasley/earnrate actively maintained?: io.github.cwasley/earnrate is actively maintained - last commit was 2 days ago. It has 1 GitHub stars.