RightCard

Measured conclusion: Alive, not deep-tested. L2 outcome: not_attempted.

Which of your credit cards to use at any store, from verified bank data. No bank login.

Add to your agent

Copy this into your MCP client config:

{
  "mcpServers": {
    "RightCard": {
      "url": "https://mcp.rightcard.ai/mcp",
      "transport": "streamable-http"
    }
  }
}

Measured tools (5)

• best_card

  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.

  Parameters:

  • wallet (required) — array — Card ids the person holds (from search_cards).
  • on — string — Date (YYYY-MM-DD, UTC) for rotating windows; defaults to today.
  • category — string — Spend category when there is no specific store.
  • merchant — string — Store name, e.g. 'Costco', 'Whole Foods', 'Uber'. Use this OR category.
  • valuation — string — 'cash' counts each point at up to 1¢, and hotel/airline points at their lower value (default). 'points' values points per program at conservative travel values.
  • chosen_categories — object — For choose-your-category cards (Citi Custom Cash, BofA Customized, Venmo): card id → the categories the person set.

  Hints: read-only not declared · destructive not declared · idempotent not declared · open-world not declared

• lookup_merchant

  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.

  Parameters:

  • name (required) — string

  Hints: read-only not declared · destructive not declared · idempotent not declared · open-world not declared

• search_cards

  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.

  Parameters:

  • query (required) — string
  • limit — integer
  • issuer — string

  Hints: read-only not declared · destructive not declared · idempotent not declared · open-world not declared

• card

  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.

  Parameters:

  • id (required) — string

  Hints: read-only not declared · destructive not declared · idempotent not declared · open-world not declared

• rotating_calendar

  Live and upcoming rotating-category windows (Freedom Flex, Discover it, Citi Dividend…) and permanent merchant benefits, from the same verified data as the app. Optionally filter by card id.

  Parameters:

  • card_id — string

  Hints: read-only not declared · destructive not declared · idempotent not declared · open-world not declared

Repository

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