RightCard

ai.rightcard由 rightcard.ai 發布官方發布者v0.1.17更新於 Oct 29, 2026

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

已驗證Streamable HTTP可網頁執行金融商業與電商

概覽

AI 產生的概覽

RightCard 讓助理根據經過驗證的銀行回饋資料,判斷使用者的哪張信用卡在某家商店或消費類別最划算。

可以做什麼
  • 為某家商店或消費類別挑選最划算的卡,並提供實際回饋率、理由與注意事項
  • 查詢商家的回饋歸類,包括大型超市與倉儲會員店的商戶代碼陷阱
  • 依卡名或發卡行搜尋卡片目錄以取得卡片 id
  • 查看單張卡的各類別回饋率、基本回饋率、幣別、年費、驗證狀態與輪替窗口
  • 列出目前與即將生效的輪替類別窗口以及長期商家權益
適用情境
當使用者想知道在某家特定商店或消費類別該用哪張卡付款,或在付款前想確認輪替回饋季度與商戶代碼注意事項時適用。
執行需求
可使用託管的遠端端點,或透過 npx 執行本機 npm 套件(需要 Node.js)。不需要帳號、銀行登入、API 金鑰或環境變數;本機模式會連網讀取公開目錄。
安裝前請注意
此伺服器不會接收銀行登入資訊、餘額或交易紀錄,託管伺服器僅記錄請求次數。答案只涵蓋基本回饋率、輪替回饋與卡片自帶權益,不包含使用者個人的銀行優惠,因此可能漏掉定向優惠。輪替回饋可能需要啟用。

安裝

在 SourceWeft 中

  1. 開啟 儀表板中的 RightCard,將其新增到工作區。
  2. 為需要使用其工具的對話啟用該服務。

Web executable,透過 Streamable HTTP。 遠端服務在工作區中設定後即可從網頁執行環境執行。

交給代理程式安裝

把這段提示詞貼上到 Claude Code、Codex、Cursor 等代理程式,或 SourceWeft 對話中。代理程式會讀取該伺服器的安裝指南,先向你展示發布者、端點和登入方式,經你同意後再把它新增到你的客戶端。金鑰不會寫進任何命令。

閱讀 https://sourceweft.com/mcp/ai.rightcard%2Fmcp/install.md,並按其中說明把這個 MCP 伺服器接入我的客戶端。修改任何設定之前,先告訴我它的發布者、端點和登入方式,等我確認。不要把 API 金鑰寫進命令或我會提交的檔案;問我金鑰應從哪裡取得。

檢視代理程式所依據的安裝指南

其他 MCP 客戶端

把它新增到你客戶端的 mcpServers 設定中。

{
  "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

來源: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.

輸入參數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.

輸入參數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.

輸入參數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.

輸入參數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.

輸入參數card_id

版本歷史

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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