best.creditcards/mcp

Description and use

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

Compatible agents

• Claude Desktop
• Claude Code
• Hermes
• Codex CLI

Capabilities

dataset: Every card as structured JSON, each with a verified flag and lastVerified freshness.

methodology: How card values are sourced, verified, and kept fresh.

check_eligibility: 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.

compare_cards: 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.

estimate_rewards: 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.

get_apply_link: 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.

get_card: 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.

search_cards: 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.

streamable-http: Transport declared by the upstream MCP registry.

Limitations and review notes

Discovered metadata only; install commands are stored for review but never executed by AtlasRepo.