RightCard

ai.rightcardPublished by rightcard.aiOfficial publisherv0.1.17Updated Oct 29, 2026

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

VerifiedStreamable HTTPWeb executableFinanceBusiness & Commerce

Overview

AI-generated overview

RightCard tells an assistant which of a user's credit cards earns the most at a given store or spend category, using verified bank reward data.

What you can do
  • Pick the best card for a store or category, with honest rate, reasoning and caveats
  • Look up how a merchant is coded, including merchant-code traps for superstores and warehouse clubs
  • Search the card catalog by card or issuer name to get card ids
  • Read one card's rates, base rate, currency, annual fee, verification status and rotating windows
  • List live and upcoming rotating-category windows and permanent merchant benefits
When to use it
Useful when a user wants to know which of their cards to pay with at a specific store or in a category, or wants to check rotating bonus quarters and merchant-code caveats before paying.
Requirements
Either the hosted remote endpoint or the local npm package run via npx with Node.js. No account, bank login, API key or environment variable is needed; the local mode reads the public catalog over the network.
Before you install
The server does not receive bank logins, balances or transactions, and the hosted server logs request counts only. Answers cover base rates, rotating bonuses and built-in benefits only; a user's personal bank offers are not included, so results may miss targeted offers. Rotating bonuses may require activation.

Installation

In SourceWeft

  1. Open RightCard in the dashboard and add it to a workspace.
  2. Enable the server for the chats that should use its tools.

Web executable via Streamable HTTP. Remote servers run from the web runtime once configured in a workspace.

Use with an agent

Paste this prompt into Claude Code, Codex, Cursor or another agent — or into SourceWeft chat. The agent reads this server's install guide, shows you its publisher, endpoint and sign-in, and adds it to your client once you agree. Keys never go into a command.

Read https://sourceweft.com/mcp/ai.rightcard%2Fmcp/install.md and connect the MCP server it describes to my client. Before changing any config, show me its publisher, endpoint and sign-in method and wait for my OK. Never put an API key in a command or in a file I would commit; ask me where it should come from.

Read the install guide the agent follows

Other MCP clients

Add this to your client's mcpServers config.

{
  "mcpServers": {
    "rightcard": {
      "type": "http",
      "url": "https://mcp.rightcard.ai/mcp"
    }
  }
}

README

RightCard MCP

[npm]

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:

json
{ "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

Source: README.md at commit de3956c

Tools

5

best_card

Best card for a store or category

Which of the given cards earns the most at a store (merchant) or for a spend category, today. Returns the card, the honest rate, why, and caveats (merchant-code traps, activation, ties). Base rates + rotating bonuses + built-in card benefits only; a user's personal bank offers live on their phone and are not consulted here.

Parametersonwalletrequiredcategorymerchantvaluationchosen_categories

lookup_merchant

How a store is coded

The store's reward category as RightCard's directory files it, its merchant type, and the merchant-code caveat when a category bonus usually will not post there (superstores like Walmart/Target, warehouse clubs like Costco/Sam's). Same ranking the app uses.

Parametersnamerequired

search_cards

Find card ids

Search RightCard's catalog by card or issuer name to get the ids to pass into best_card. Verified cards first; unverified cards are flagged, never hidden.

Parameterslimitqueryrequiredissuer

card

A card's verified rates

Everything RightCard knows about one card: rates by category, base rate, currency, annual fee, verification status, live rotating windows, and the choose-your-category spec if it has one.

Parametersidrequired

rotating_calendar

Rotating 5% windows

Live and upcoming rotating-category windows (Freedom Flex, Discover it, Citi Dividend…) and permanent merchant benefits, from the same verified data as the app. Optionally filter by card id.

Parameterscard_id

Version history

10
  1. v0.1.17LatestOct 29, 2026
  2. v0.1.14Oct 23, 2026
  3. v0.1.13Oct 23, 2026
  4. v0.1.11Oct 21, 2026
  5. v0.1.9Oct 10, 2026
  6. v0.1.8Oct 9, 2026
  7. v0.1.7Oct 8, 2026
  8. v0.1.5Sep 28, 2026
  9. v0.1.4Sep 26, 2026
  10. v0.1.3Sep 16, 2026

Score

100% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

  • Reached in the last 30 daysRequired25 pts
  • Auth declaredRequired10 pts
  • Tools listedRequired15 pts
  • DescriptionRequired15 pts
  • Logo10 pts
  • Documentation15 pts
  • License10 pts