RightCard

ai.rightcard由 rightcard.ai 发布官方发布者v0.1.17更新于 Oct 29, 2026

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

已验证Streamable HTTP可网页运行金融商业与电商

概览

AI 生成的概览

RightCard 让助手根据经过验证的银行返现数据,判断用户的哪张信用卡在某个商店或消费类别最划算。

可以做什么
  • 为某个商店或消费类别挑选最划算的卡,并给出真实返现率、理由和注意事项
  • 查询商户的返现归类,包括大型超市和仓储会员店的商户代码陷阱
  • 按卡名或发卡行搜索卡片目录以获取卡片 id
  • 查看单张卡的各类别返现率、基础返现率、币种、年费、验证状态和轮换窗口
  • 列出当前和即将生效的轮换类别窗口以及长期商户权益
适用场景
当用户想知道在某个具体商店或消费类别该用哪张卡付款,或在付款前想确认轮换返现季度和商户代码注意事项时适用。
运行要求
可使用托管远程端点,或通过 npx 运行本地 npm 包(需要 Node.js)。无需账号、银行登录、API 密钥或环境变量;本地模式会联网读取公开目录。
安装前请注意
该服务器不会接收银行登录信息、余额或交易记录,托管服务器仅记录请求次数。答案只涵盖基础返现率、轮换奖励和卡片自带权益,不包含用户个人的银行优惠,因此可能漏掉定向优惠。轮换奖励可能需要激活。

安装

在 SourceWeft 中

  1. 打开 控制台中的 RightCard,将其添加到工作区。
  2. 为需要使用其工具的对话启用该服务。

Web executable,通过 Streamable HTTP。 远程服务在工作区中配置后即可从网页运行时运行。

交给智能体安装

把这段提示词粘贴到 Claude Code、Codex、Cursor 等智能体,或 SourceWeft 对话中。智能体会读取该服务器的安装指南,先向你展示发布者、端点和登录方式,经你同意后再把它添加到你的客户端。密钥不会写进任何命令。

阅读 https://sourceweft.com/mcp/ai.rightcard%2Fmcp/install.md,并按其中说明把这个 MCP 服务器接入我的客户端。修改任何配置之前,先告诉我它的发布者、端点和登录方式,等我确认。不要把 API 密钥写进命令或我会提交的文件;问我密钥应从哪里获取。

查看智能体所依据的安装指南

其他 MCP 客户端

把它添加到你客户端的 mcpServers 配置中。

{
  "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

来源:README.md,提交 de3956c

工具

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.

输入参数onwallet必填categorymerchantvaluationchosen_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.

输入参数name必填

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.

输入参数limitquery必填issuer

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.

输入参数id必填

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.

输入参数card_id

版本历史

10
  1. v0.1.17最新Oct 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

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