creditcards.best MCP Server

by creditcards Your server? Claim it

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 51 days of history · worst day 0%

51 days agonow

2.2%

Uptime 24h

4 of 182 checks

Tools

read from the server

435 ms

Response time

average over 24h

open, no key

Access

streamable-http

creditcards.best does not always answer

Over the last week it answered 0.7% of our checks. We check every 15 minutes, so you hear about the next outage within the hour — not from your users.

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 15 min ago.

Claude Code Claude Desktop Codex Cursor VS Code

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"
    }
  }
}

This server publishes 1 more address. The block above uses the one we reach during checks; the full list is under Endpoints below, and the author may intend a particular one for your client.

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

URL	Transport	State	Latency	Checked
https://mcp.creditcards.best	streamable-http	answering	240 ms	15 min ago
https://creditcards.best/mcp	streamable-http	answering	236 ms	15 min ago

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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 4 of 182 checks got a reply (2.2%), average response time 435 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 435 ms on average, which is faster than 37% of all working MCP servers we measure. The comparison comes from our own checks across the whole registry, every 15 minutes.