AI credit card advisor - search cards, compare portfolios, and optimize rewards
Config is the same across clients — only the file and path differ.
{
"mcpServers": {
"koko-finance": {
"url": "https://kokofinance.net/mcp/",
"type": "http"
}
}
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A hosted MCP server for AI-powered credit card advice. Search 100+ US credit cards, compare options side by side, analyze portfolio health, and get personalized recommendations — all through the Model Context Protocol.
No automated test available for this server. Check the GitHub README for setup instructions.
Five weighted categories — click any category to see the underlying evidence.
No known CVEs.
No package registry to scan.
Click any tool to inspect its schema.
portfolio-reviewFull portfolio analysis with health score and verdicts
which-cardFind the best card for a specific purchase
new-card-finderSearch for a new card matching your criteria
renewal-checkWalk through a card renewal decision step by step
card-risk-assessmentAnalyze a card's risk profile — APR exposure, penalty triggers, fee traps
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A hosted MCP server for AI-powered credit card advice. Search 100+ US credit cards, compare options side by side, analyze portfolio health, and get personalized recommendations — all through the Model Context Protocol.
Server URL: https://kokofinance.net/mcp/
No API key required. No local installation needed. Just connect your MCP client.
Add to ~/Library/Application Support/Claude/claude_desktop_config.json (macOS) or %APPDATA%\Claude\claude_desktop_config.json (Windows):
{
"mcpServers": {
"koko-finance": {
"type": "http",
"url": "https://kokofinance.net/mcp/"
}
}
}
claude mcp add koko-finance --transport http https://kokofinance.net/mcp/
Or copy the .mcp.json from this repo into your project.
Go to Settings > MCP and add a new server:
https://kokofinance.net/mcp/Add to your MCP settings file:
{
"mcpServers": {
"koko-finance": {
"type": "http",
"url": "https://kokofinance.net/mcp/"
}
}
}
| Tool | Description |
|---|---|
search_credit_cards | Natural language search across 100+ US credit cards. Optional filters: card_type, issuer, max_annual_fee, credit_tier |
compare_cards | Side-by-side comparison of 2-3 cards with fees, rewards, net value, and break-even. Optional: credit_tier, primary_goal, issuer_preferences (<100ms) |
get_card_details | Full details for a specific card (fees, rewards, benefits) |
calculate_card_value | Annual fee break-even analysis with first-year and ongoing value |
optimize_portfolio | Portfolio health score, per-card KEEP/OPTIMIZE/CANCEL verdicts. Optional: point_balances, benefit_selections, credit_tier, primary_goal, issuer_preferences, analysis_type, cancel_threshold, keep_threshold (<100ms) |
recommend_card_for_category | Best card to use for a specific spending category, ranked by reward value. Optional: spending, credit_tier, primary_goal, issuer_preferences (<100ms) |
check_card_renewal | Should you renew this card? Verdict + downgrade/replacement options. Optional: benefit_selections, acquired_date, credit_tier, primary_goal, renewal_cancel_threshold, renewal_keep_threshold |
create_mcp_session | Session tracking for multi-query conversations |
which_card_at_merchant | Best card from your portfolio at a specific merchant. Auto-detects spending category (e.g. Starbucks → dining) and ranks by reward value |
check_merchant_benefits | Check if any cards have credits at a merchant (e.g. Saks → Amex Platinum $100 credit). Includes earning recommendation |
get_card_benefits | All credits/benefits for a card with value, frequency, schedule, and conditions |
get_card_terms | Schumer Box data — purchase APR, penalty APR, late fees, cash advance fees, promotional APR, grace period |
get_card_changes | Audit log of card data changes (fee updates, benefit changes) with date filtering. Optional: field filter |
get_program_trends | Points program valuation history — CPP and transfer partner ratio changes over time |
Several tools accept optional parameters that improve result relevance. All are optional — when omitted, the server uses sensible defaults (e.g., national average spending, no issuer bias).
credit_tierCredit score range that affects card eligibility and approval likelihood.
| Value | Meaning |
|---|---|
"excellent" | 750+ |
"good" | 700-749 |
"fair" | 650-699 |
"poor" | Below 650 |
Used by: search_credit_cards, compare_cards, optimize_portfolio, recommend_card_for_category, check_card_renewal
primary_goalThe user's main objective for their credit card strategy.
| Value | Meaning |
|---|