creditcards.best

Measured conclusion: Deep-tested. L2 outcome: tools_ok.

Search, compare and estimate rewards across US credit cards. Verified fees, APRs and bonuses.

Add to your agent

Copy this into your MCP client config:

{
  "mcpServers": {
    "creditcards.best": {
      "url": "https://mcp.creditcards.best",
      "transport": "streamable-http"
    }
  }
}

Measured tools (6)

• search_cards read-only

  Filter the US credit-card dataset by product type, rewards currency (program name or kind), issuer, annual fee, foreign-transaction fee, signup-bonus value, credit band, or curated category. Searches ONLY issuer-verified cards by default, because unverified stubs carry null for most filterable fields and a null is not a zero. Set verified:false for the stubs, or verified:null to search everything knowingly. Returns at most 25 summaries unless you raise `limit`; `total` is the full match count and `truncated` says whether you are seeing all of it. Rankings reflect fit, not placement.

  Parameters:

  • sort — string
  • limit — integer — Max cards to return (default 25). Check `truncated` before treating the list as complete.
  • issuer — string — Issuer name, partial match (e.g. 'Chase')
  • category — string — Curated slug, e.g. 'best-cash-back-credit-cards'
  • verified — Defaults to true (issuer-verified only). false = only the unverified stubs seeded from the open reference. null = the whole corpus, nulls and all.
  • creditBand — string — Only cards a user with this credit band typically qualifies for
  • isBusiness — boolean
  • productType — array
  • maxAnnualFee — number
  • rewardsCurrency — string — Program name, partial match, by its own name: 'AAdvantage' not 'American', 'SkyMiles' not 'Delta', 'Bonvoy', 'Avios'.
  • minSignupValueUsd — number — Minimum estimated signup-bonus cash value
  • rewardsCurrencyType — array — Kind of loyalty currency earned. Use this for airline or hotel cards; it is not a productType.
  • noForeignTransactionFee — boolean

  Hints: read-only yes · destructive not declared · idempotent not declared · open-world no

• get_card read-only

  Full detail for a single card by id (slug), including earn rates, credits, eligibility, sources and lastVerified. The apply link is our tracked redirect, not the issuer URL.

  Parameters:

  • id (required) — string — Card slug, e.g. 'chase-sapphire-preferred'

  Hints: read-only yes · destructive not declared · idempotent not declared · open-world no

• estimate_rewards read-only

  Given an annual spending profile (USD per category, e.g. { dining: 6000, groceries: 8000, travel: 4000, other: 20000 }), estimate each card's net rewards value and rank them. Net value = rewards earned on spend + first-year signup bonus − annual fee. Statement credits are reported separately (max value if fully used), NOT folded into the headline, to avoid overstating premium 'coupon-book' cards. Returns a per-category breakdown and the assumptions used. All card facts come from the verified dataset; only point valuation is modeled.

  Parameters:

  • spend (required) — object — Annual USD spend keyed by category label
  • limit — integer
  • cardIds — array — Restrict to these cards; default is all
  • creditBand — string — Restrict to cards this band typically qualifies for
  • includeSignupBonus — boolean — Include the signup bonus in year-1 value (default true)

  Hints: read-only yes · destructive not declared · idempotent not declared · open-world no

• check_eligibility read-only

  Given a user's credit band (and optionally income), return cards they would typically qualify for, surfacing issuer application rules (e.g. Chase 5/24) and any income floor. Only cards that publish a credit requirement can be answered; cards with no published requirement are counted in `unknownCount`, never listed as qualifying. This is a likelihood signal from published guidance, not an approval guarantee.

  Parameters:

  • creditBand (required) — string
  • cardIds — array — Restrict to these cards; default is all verified cards
  • incomeUsd — number

  Hints: read-only yes · destructive not declared · idempotent not declared · open-world no

• get_apply_link read-only

  Return the apply link for a card. This is always a creditcards.best tracked redirect that records the referral and forwards to the issuer; the raw issuer URL is never returned.

  Parameters:

  • id (required) — string

  Hints: read-only yes · destructive not declared · idempotent not declared · open-world no

• compare_cards read-only

  Side-by-side detail for two or more cards by id: fees, foreign-transaction fee, signup bonus, earn rates, credits and eligibility. Apply links are tracked redirects.

  Parameters:

  • ids (required) — array — Card slugs to compare

  Hints: read-only yes · destructive not declared · idempotent not declared · open-world no

Publisher website

Measured by MCPYP probing. Untested fields are omitted, never estimated. Listing is always free; MCPYP never proxies calls or stores user tokens.