A hosted MCP server for AI-powered credit card advice. Search 100+ US credit cards, compare options side by side, analyze portfolio health, and get
A hosted MCP server for AI-powered credit card advice. Search 100+ US credit cards, compare options side by side, analyze portfolio health, and get personalized recommendations — all through the Model Context Protocol. That is what the koko mcp server brings to an AI assistant: the same capability, reachable through the Model Context Protocol rather than a separate app or dashboard.
The server publishes 14 tools. What each one is for:
search_credit_cards — Natural language search across 100+ US credit cards. Optional filters: card_type, issuer, max_annual_fee, credit_tiercompare_cards — Side-by-side comparison of 2-3 cards with fees, rewards, net value, and break-even. Optional: credit_tier, primary_goal, issuer_preferences (<100ms)get_card_details — Full details for a specific card (fees, rewards, benefits)calculate_card_value — Annual fee break-even analysis with first-year and ongoing valueoptimize_portfolio — Portfolio health score, per-card KEEP/OPTIMIZE/CANCEL verdicts. Optional: point_balances, benefit_selections, credit_tier, primary_goalrecommend_card_for_category — Best card to use for a specific spending category, ranked by reward value. Optional: spending, credit_tier, primary_goal, issuer_preferences (<100ms)check_card_renewal — Should you renew this card? Verdict + downgrade/replacement options. Optional: benefit_selections, acquired_date, credit_tier, primary_goalcreate_mcp_session — Session tracking for multi-query conversationswhich_card_at_merchant — Best card from your portfolio at a specific merchant. Auto-detects spending category (e.g. Starbucks → dining) and ranks by reward valuecheck_merchant_benefits — Check if any cards have credits at a merchant (e.g. Saks → Amex Platinum $100 credit). Includes earning recommendationget_card_benefits — All credits/benefits for a card with value, frequency, schedule, and conditionsget_card_terms — Schumer Box data — purchase APR, penalty APR, late fees, cash advance fees, promotional APR, grace periodBecause this one is hosted, setup is mostly authentication — you point your client at the endpoint and approve access. Nothing runs on your machine, so there is no runtime to keep patched.
Among the developer tooling options, the useful question is rarely "what can it do" but "what does it cost you to run" — permissions, credentials, and how much of your context its toolset consumes. Koko's toolset — search_credit_cards, compare_cards, get_card_details and 11 more — is a fair guide to whether it matches your workflow. It is maintained by madanc; worth a glance at recent repository activity before you build anything load-bearing on it.
This entry was verified against Koko's own documentation before publication; SyncDev keeps the directory reviewed rather than auto-generated.
| Tool | What it does |
|---|---|
| search_credit_cards | Natural language search across 100+ US credit cards. Optional filters: card_type, issuer, max_annual_fee, credit_tier |
| compare_cards | Side-by-side comparison of 2-3 cards with fees, rewards, net value, and break-even. Optional: credit_tier, primary_goal, issuer_preferences (<100ms) |
| get_card_details | Full details for a specific card (fees, rewards, benefits) |
| calculate_card_value | Annual fee break-even analysis with first-year and ongoing value |
| optimize_portfolio | Portfolio health score, per-card KEEP/OPTIMIZE/CANCEL verdicts. Optional: point_balances, benefit_selections, credit_tier, primary_goal, issuer_preferences, analysis_type, cancel_threshold, keep_threshold (<100ms) |
| recommend_card_for_category | Best card to use for a specific spending category, ranked by reward value. Optional: spending, credit_tier, primary_goal, issuer_preferences (<100ms) |
| check_card_renewal | Should you renew this card? Verdict + downgrade/replacement options. Optional: benefit_selections, acquired_date, credit_tier, primary_goal, renewal_cancel_threshold, renewal_keep_threshold |
| create_mcp_session | Session tracking for multi-query conversations |
| which_card_at_merchant | Best card from your portfolio at a specific merchant. Auto-detects spending category (e.g. Starbucks → dining) and ranks by reward value |
| check_merchant_benefits | Check if any cards have credits at a merchant (e.g. Saks → Amex Platinum $100 credit). Includes earning recommendation |
| get_card_benefits | All credits/benefits for a card with value, frequency, schedule, and conditions |
| get_card_terms | Schumer Box data — purchase APR, penalty APR, late fees, cash advance fees, promotional APR, grace period |
| get_card_changes | Audit log of card data changes (fee updates, benefit changes) with date filtering. Optional: field filter |
| get_program_trends | Points program valuation history — CPP and transfer partner ratio changes over time |
{
"mcpServers": {
"koko-finance": {
"type": "http",
"url": "https://kokofinance.net/mcp/"
}
}
}Configuration as documented by the project. Restart the client after saving.
Kill hallucinated APIs — version-accurate, up-to-date library documentation injected straight into context.
Microsoft's official browser automation server — drive a real browser through the accessibility tree, no screenshots needed.
GitHub's official server — repos, issues, pull requests, Actions and code security, straight from your assistant.
Issue tracking at the speed of conversation — Linear's official hosted server with OAuth and zero install.
Local repository surgery — status, diffs, commits, branches and history for any repo on disk.
Timezone sanity for AI — current time anywhere and correct conversions, without the model doing date math.