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…
koko-mcp-server is an MCP project maintained in the madanc/koko-mcp-server repository. The maintainer describes its purpose as “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…”. Read the project documentation for the complete scope.
The maintainer’s configuration uses https://kokofinance.net/mcp/. It declares streamable-http transport. Check the project’s account and authentication instructions when adding the endpoint to your client.
Project documentation · Repository · Discovery listing. This profile records the public documentation checked on 2026-10-08.
Check the linked publisher documentation and your connected client's tool list. Names and availability can vary with the server version and account permissions.
| 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… |
| 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… |
| 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/"
}
}
}From the project documentation. Replace placeholders and example paths before connecting.
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