RightCard
Which of your credit cards to use at any store, from verified bank data. No bank login.
Should I use this
Quality & Safety
Findings (2)
- LOWin best_card
- LOWin card
Based on automated analysis of tool definitions and protocol compliance.
Context Cost
This is the approximate number of tokens consumed each time the server's tools are loaded into a model's context. Higher counts reduce the attention available for other tasks.
Install
One-Click Install
Add this to your `claude_desktop_config.json` file:
{
"mcpServers": {
"mcp": {
"command": "npx",
"args": [
"rightcard-mcp"
]
}
}
}Runnable packages
0.1.5stdioRemote endpoints
https://mcp.rightcard.ai/mcpstreamable-httpWhat it can do
Tool inventory
Tools (5)
βͺbest_card(wallet, merchant, category, valuation, on, ...)
Which of the given cards earns the most at a store (merchant) or for a spend category, today. Returns the card, the honest rate, why, and caveats (merchant-code traps, activation, ties). Base rates + rotating bonuses + built-in card benefits only; a user's personal bank offers live on their phone and are not consulted here.
Input Schema
{
"type": "object",
"properties": {
"wallet": {
"minItems": 1,
"type": "array",
"items": {
"type": "string"
},
"description": "Card ids the person holds (from search_cards)."
},
"merchant": {
"description": "Store name, e.g. 'Costco', 'Whole Foods', 'Uber'. Use this OR category.",
"type": "string"
},
"category": {
"description": "Spend category when there is no specific store.",
"type": "string",
"enum": [
"dining",
"grocery",
"travel",
"gas",
"online",
"drugstore",
"transit",
"streaming",
"general"
]
},
"valuation": {
"default": "cash",
"description": "'cash' counts every point at 1Β’ (default). 'points' values points per program at conservative travel values.",
"type": "string",
"enum": [
"cash",
"points"
]
},
"on": {
"description": "Date (YYYY-MM-DD, UTC) for rotating windows; defaults to today.",
"type": "string",
"pattern": "^\\d{4}-\\d{2}-\\d{2}$"
},
"chosen_categories": {
"description": "For choose-your-category cards (Citi Custom Cash, BofA Customized, Venmo): card id β the categories the person set.",
"type": "object",
"propertyNames": {
"type": "string"
},
"additionalProperties": {
"type": "array",
"items": {
"type": "string",
"enum": [
"dining",
"grocery",
"travel",
"gas",
"online",
"drugstore",
"transit",
"streaming",
"general"
]
}
}
}
},
"required": [
"wallet"
],
"$schema": "http://json-schema.org/draft-07/schema#"
}π‘lookup_merchant(name)
The store's reward category as RightCard's directory files it, its merchant type, and the merchant-code caveat when a category bonus usually will not post there (superstores like Walmart/Target, warehouse clubs like Costco/Sam's). Same ranking the app uses.
Input Schema
{
"type": "object",
"properties": {
"name": {
"type": "string",
"minLength": 2
}
},
"required": [
"name"
],
"$schema": "http://json-schema.org/draft-07/schema#"
}π’search_cards(query, issuer, limit)
Search RightCard's catalog by card or issuer name to get the ids to pass into best_card. Verified cards first; unverified cards are flagged, never hidden.
Input Schema
{
"type": "object",
"properties": {
"query": {
"type": "string",
"minLength": 2
},
"issuer": {
"type": "string"
},
"limit": {
"default": 12,
"type": "integer",
"minimum": 1,
"maximum": 50
}
},
"required": [
"query"
],
"$schema": "http://json-schema.org/draft-07/schema#"
}βͺcard(id)
Everything RightCard knows about one card: rates by category, base rate, currency, annual fee, verification status, live rotating windows, and the choose-your-category spec if it has one.
Input Schema
{
"type": "object",
"properties": {
"id": {
"type": "string"
}
},
"required": [
"id"
],
"$schema": "http://json-schema.org/draft-07/schema#"
}βͺrotating_calendar(card_id)
Live and upcoming rotating-category windows (Freedom Flex, Discover it, Citi Dividendβ¦) and permanent merchant benefits, from the same verified data as the app. Optionally filter by card id.
Input Schema
{
"type": "object",
"properties": {
"card_id": {
"type": "string"
}
},
"$schema": "http://json-schema.org/draft-07/schema#"
}Community
Evidence