About PointMaxx
PointMaxx is a local MCP server for comparing U.S. credit cards and estimating rewards after fees, spending caps and usable credits. It provides card-use recommendations, comparisons and terms without sending network requests.
Key features
- 01Compare 53 U.S. credit cards
- 02Recommend a card by purchase category
- 03Estimate annual net value after fees
- 04Compare cards against current holdings
- 05Look up fees and card credits
Use cases
- 01Choose a card for a specific purchase
- 02Compare cards for monthly spending
- 03Check annual fees and available credits
MCP support
Exposes `best_card`, `compare_cards` and `card_terms` tools to MCP clients. It runs locally and makes no network requests.
Configuration
Local server config is the same for every client. Copy it into your client’s MCP config file.
Tools
3Saved tool list · updated 5d ago
| Parameter | Type | Required | Description |
|---|---|---|---|
| cards | array | Yes | Card names or ids the person holds, e.g. "Amex Gold", "Citi Double Cash". |
| store | string | No | A store name or website, e.g. "doordash.com". Used when it is one of the stores PointMaxx knows; otherwise give category. |
| category | enum | No | The spending category, when store is not given or not known.dining | groceries | gas | travel | transit | streaming | entertainment | amazon | online | drugstore | utilities | other |
Details
From the project READMEpointmaxx-mcp
Ask your AI assistant which credit card to use, and which cards would earn you the most, with the same math as pointmaxx.app. Compares 53 U.S. credit cards after annual fees, spending caps and the credits you'd actually use.
Set it up
Claude Desktop: open Settings, then Developer, then Edit Config, add this, and restart Claude:
{
"mcpServers": {
"pointmaxx": { "command": "npx", "args": ["-y", "pointmaxx-mcp"] }
}
}
Any other MCP app: run npx -y pointmaxx-mcp as a stdio server. Needs Node 18 or later.
What you can ask
| Tool | Ask your assistant something like |
|---|---|
best_card | "I have Amex Gold and Citi Double Cash. Which should I use on DoorDash?" |
compare_cards | "I spend about $500 a month on groceries, $300 on dining and $1,500 on everything else. Which two cards would earn the most? I have a Double Cash." |
card_terms | "What's the annual fee on the Sapphire Reserve, and what are its credits?" |
Answers include each card's percent back, why it wins, any spending cap, the net value a year after fees, and how much more that is than the cards you already have.
Privacy
It runs on your own computer and makes no network requests. It only needs card names and rough monthly spending by category: never statements, card numbers or a login. Nothing is saved.
Good to know
- Estimates from each card's published terms, checked against issuer pages. Not financial advice; check the issuer before you apply.
- Points are valued at a fixed cents-per-point for each card. Sign-up bonuses are left out.
- Card terms are built into each release. Run with
npx -y pointmaxx-mcpto always get the latest.
For a full backtest on a year of your own statements, read in your browser and never uploaded, try pointmaxx.app.
MIT licensed. Card data includes CardPin (MIT).
Source
This repo is the published package: server.mjs plus the engine and card data in lib/, copied from PointMaxx's main codebase at each release. Run npm test to check it.
Comments
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