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RightCard

Official registry Finance and payments

Which of your credit cards to use at any store, from verified bank data. No bank login.

Source code Website Documentation

Install

Add this to your client's MCP configuration (Claude Desktop: claude_desktop_config.json; Cursor: .cursor/mcp.json; VS Code and others use the same "mcpServers" shape).

Remote (streamable-http)
Claude Code 
claude mcp add --transport http rightcard 'https://mcp.rightcard.ai/mcp'
JSON configuration (Claude Desktop, Cursor, VS Code) 
{
    "mcpServers": {
        "rightcard": {
            "type": "http",
            "url": "https://mcp.rightcard.ai/mcp"
        }
    }
}
NPM package rightcard-mcp
Claude Code 
claude mcp add rightcard -- npx -y rightcard-mcp@0.1.14
JSON configuration (Claude Desktop, Cursor, VS Code) 
{
    "mcpServers": {
        "rightcard": {
            "command": "npx",
            "args": [
                "-y",
                "rightcard-mcp@0.1.14"
            ]
        }
    }
}

Documentation

From the project's README on GitHub, refreshed weekly. Links open on GitHub.

Contents
  1. RightCard MCP
  2. Use it
  3. Tools
  4. Parity with the app
  5. Privacy

RightCard MCP

The card-selection oracle for agents: which of your credit cards should pay here? Answers come from RightCard's bank-published, two-source-verified reward data — the same data the RightCard iOS app uses.

  • No bank login. No account. Nothing stored. You pass card ids and a store name; you get an answer.
  • Honest by construction: merchant-code caveats (Costco is a warehouse club, so the grocery bonus won't post), rotating quarters with activation flags, ties named, points valued per program.
  • Cash value by default; valuation: "points" for conservative travel values.

Use it

Hosted (stateless Streamable HTTP):

https://mcp.rightcard.ai/mcp

Local (stdio, nothing leaves your machine except a read of the public catalog):

npx rightcard-mcp

Claude Desktop / Claude Code / Cursor config:

{ "mcpServers": { "rightcard": { "command": "npx", "args": ["-y", "rightcard-mcp"] } } }

Tools

toolwhat it answers
best_cardwhich of the given cards earns most at a store or category, today, with caveats
lookup_merchanthow a store is coded (category, merchant type, MCC-trap caveat)
search_cardsfind card ids by name/issuer; verified first, unverified flagged
cardone card's verified rates, rotating windows, choose-your-category spec
rotating_calendarlive + upcoming rotating windows and permanent merchant benefits

Try: "I have the Amex Gold, Freedom Flex and Citi Double Cash. Which one at Costco?"

Parity with the app

src/engine.ts is a port of the iOS app's Swift engine. fixtures/engine_golden.json holds 3,100+ answers produced by the Swift code over the real catalog and merchant directory; npm test fails if the port disagrees on any of them. Offers (a user's personal bank offers) are deliberately not part of this server — they live on the phone.

Privacy

The hosted server logs request counts only. No identifiers, no cookies, no storage. Full policy: https://rightcard.ai/privacy

Frequently asked questions

What is RightCard?

Which of your credit cards to use at any store, from verified bank data. No bank login.

How do I install RightCard?

It runs as a remote server. In Claude Code: claude mcp add --transport http rightcard 'https://mcp.rightcard.ai/mcp'. For other clients, paste the JSON configuration from this page into their MCP settings.

Does RightCard need an API key?

Its registry entry lists no required key or secret. Some features may still need an account with the service it connects to.

Is RightCard open source?

Yes. Its code is on GitHub under the MIT license.

Who maintains RightCard?

It is published by rightcard. AI.tn lists it but does not maintain or endorse it.

From the official MCP Registry. Listing is not an endorsement: review a server's code and permissions before giving it access to your data.