About RightCard
RightCard is an MCP server that helps people and agents choose which credit card to use at a merchant, based on verified bank-published reward data. It accounts for merchant coding caveats and rotating offers without requiring bank credentials or storing user data.
Key features
- 01Compare rewards across supplied cards
- 02Look up merchant category and coding caveats
- 03Search cards by name or issuer
- 04Review verified rates and rotating periods
- 05Choose cash or points valuation
Use cases
- 01Pick the best card for a store purchase
- 02Check whether merchant coding affects a bonus
- 03Review a card’s current rotating reward window
MCP support
Exposes tools for card search, merchant lookup, reward comparison, card details, and rotating reward calendars to MCP clients. Available as a hosted Streamable HTTP endpoint or a local stdio server.
Configuration
Remote servers need no local install. Pick your client, then copy the config or install in one click.
https://mcp.rightcard.ai/mcpclaude mcp add --transport http ai-rightcard https://mcp.rightcard.ai/mcp{"mcpServers":{"ai-rightcard":{"type":"http","url":"https://mcp.rightcard.ai/mcp"}}}Open in Cursor{"servers":{"ai-rightcard":{"type":"http","url":"https://mcp.rightcard.ai/mcp"}}}Open in VS Code{"mcpServers":{"ai-rightcard":{"type":"http","url":"https://mcp.rightcard.ai/mcp"}}}{"mcpServers":{"ai-rightcard":{"serverUrl":"https://mcp.rightcard.ai/mcp"}}}Run commands in a terminal; paste JSON into the client’s MCP config and restart. Servers that need sign-in will prompt on first connect.
Tools
5| Parameter | Type | Required | Description |
|---|---|---|---|
| on | string | No | Date (YYYY-MM-DD, UTC) for rotating windows; defaults to today. |
| wallet | array | Yes | Card ids the person holds (from search_cards). |
| category | enum | No | Spend category when there is no specific store.dining | grocery | travel | gas | online | drugstore | transit | streaming | general |
| merchant | string | No | Store name, e.g. 'Costco', 'Whole Foods', 'Uber'. Use this OR category. |
| valuation | enum | No | 'cash' counts every point at 1¢ (default). 'points' values points per program at conservative travel values.cash | points |
| chosen_categories | object | No | For choose-your-category cards (Citi Custom Cash, BofA Customized, Venmo): card id → the categories the person set. |
Details
From the project READMERightCard 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
Comments
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