mcpbeat

creditcards.best MCP Server

best.creditcards/mcp
not responding

creditcards.best is listed as active in the registry but did not answer our last check. It exposes 6 tools.

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

Uptime history 39 hours of history · worst hour 0%
39 hours agonow
3.8%
Uptime 24h
7 of 184 checks
6
Tools
read from the server
348 ms
Response time
average over 24h
open, no key
Access
streamable-http

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 2 min ago.

run in your terminal
claude mcp add mcp --transport http https://mcp.creditcards.best
~/Library/Application Support/Claude/claude_desktop_config.json
{
  "mcpServers": {
    "mcp": {
      "url": "https://mcp.creditcards.best"
    }
  }
}
~/.codex/config.toml
[mcp_servers.mcp]
url = "https://mcp.creditcards.best"
.cursor/mcp.json
{
  "mcpServers": {
    "mcp": {
      "url": "https://mcp.creditcards.best"
    }
  }
}
.vscode/mcp.json
{
  "mcpServers": {
    "mcp": {
      "url": "https://mcp.creditcards.best"
    }
  }
}

Available tools 6

Read directly from the server with tools/list, grouped by what they act on. If a tool disappears, we record the date.

apply
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.
card
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.
cards
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.
compare
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.
eligibility
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.
estimate
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.

Endpoints

URLTransportStateLatencyChecked
https://mcp.creditcards.best streamable-http answering 372 ms 2 min ago
https://creditcards.best/mcp streamable-http answering 227 ms 2 min ago

creditcards.best — questions

Answers built from our own checks of this server.

What can creditcards.best do?
It exposes 6 tools, read directly from the server on our last check. Among them: check_eligibility, compare_cards, estimate_rewards, get_apply_link, get_card, search_cards. The full list with descriptions is on this page — we take it from the server itself via tools/list, not from a README. How MCP servers expose tools in the first place →
Is creditcards.best working right now?
We send a real MCP handshake every 15 minutes. Over the last 24 hours 7 of 184 checks got a reply (3.8%), average response time 348 ms. The bar chart above shows every period we have measured.
The registry lists creditcards.best as active — why does it not respond?
The official MCP registry stores what the author submitted; it does not verify that the server still runs. We check the endpoint ourselves, and this one does not answer. Catalogues that copy the registry without checking will show it as working.
How do I connect creditcards.best?
Copy the ready config from this page — we generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each with the file path that client actually reads. It is a remote server, so there is nothing to install — the client connects to the address.
Does creditcards.best need an API key?
No. creditcards.best completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 6 of them are readable on this page. This is what we observed, not what the docs claim.
How fast is creditcards.best?
It answers our handshake in 348 ms on average, which is faster than 40% of all working MCP servers we measure. The comparison comes from our own checks across the whole registry, every 15 minutes.