KoKo Finance — Credit Card Advisor

net.kokofinance由 kokofinance.net 發布官方發布者v1.1.0更新於 Oct 27, 2026

AI credit card advisor - search cards, compare portfolios, and optimize rewards

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

託管型 MCP 伺服器,讓助理搜尋、比較與最佳化美國信用卡,包含卡片組合健檢與回饋推薦。

可以做什麼
  • 搜尋與檢視卡片:以自然語言檢索 100 多張美國信用卡,查看卡片詳情、條款與權益明細
  • 比較與估值:並排比較卡片,計算年費損益兩平與淨價值
  • 最佳化持卡組合:提供健康分數與保留/最佳化/剪卡建議、續卡決策,以及依消費類別或商家推薦最佳卡片
  • 查詢商家回饋與權益,並查看卡片資料變更稽核紀錄與點數計畫估值趨勢
  • 支援多輪工作階段追蹤,並內建組合健檢、找卡、續卡檢查與風險分析等提示詞
適用情境
適合在挑選信用卡、判斷某筆消費該刷哪張卡、評估是否保留或剪卡,或查詢某商家可用權益與回饋時使用。
執行需求
遠端託管端點,無需本機安裝。需要免費帳號,透過 Google 登入(OAuth)或 API 金鑰驗證,免費額度含 250 次呼叫。需能連線至服務商網路。
安裝前請注意
登入會分享 Google 個人資料中的姓名與電子郵件,服務商會記錄工具名稱、參數、狀態與時間戳用於流量限制與服務改善。你提供的消費金額、持卡狀況與點數餘額會傳送至該服務。建議僅供參考,實際費用、APR 與條款請向發卡機構確認。

安裝

在 SourceWeft 中

  1. 開啟 儀表板中的 KoKo Finance — Credit Card Advisor,將其新增到工作區。
  2. 連接 所需的 憑證。它們會被私密儲存,絕不會在公開頁面上展示。
  3. 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/net.kokofinance%2Fkoko-finance/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。 客戶端會在首次連接時完成 OAuth 登入。

{
  "mcpServers": {
    "koko-finance-credit-card-advisor": {
      "type": "http",
      "url": "https://kokofinance.net/mcp/"
    }
  }
}

README

KoKo Finance MCP Server

A hosted MCP server for AI-powered credit card advice. Search 100+ US credit cards, compare options side by side, analyze portfolio health, and get personalized recommendations — all through the Model Context Protocol.

Server URL: https://kokofinance.net/mcp/

No local installation needed. Sign up free at kokofinance.net — 250 calls included, no credit card required — then connect your MCP client below using Google sign-in.

Quick Setup

Claude Desktop

Add to ~/Library/Application Support/Claude/claude_desktop_config.json (macOS) or %APPDATA%\Claude\claude_desktop_config.json (Windows):

json
{  "mcpServers": {    "koko-finance": {      "type": "http",      "url": "https://kokofinance.net/mcp/"    }  }}

Claude Code

bash
claude mcp add koko-finance --transport http https://kokofinance.net/mcp/

Or copy the .mcp.json from this repo into your project.

Cursor

Go to Settings > MCP and add a new server:

  • Name: koko-finance
  • Type: HTTP
  • URL: https://kokofinance.net/mcp/

Cline / Windsurf

Add to your MCP settings file:

json
{  "mcpServers": {    "koko-finance": {      "type": "http",      "url": "https://kokofinance.net/mcp/"    }  }}

Tools (14)

ToolDescription
search_credit_cardsNatural language search across 100+ US credit cards. Optional filters: card_type, issuer, max_annual_fee, credit_tier
compare_cardsSide-by-side comparison of 2-3 cards with fees, rewards, net value, and break-even. Optional: credit_tier, primary_goal, issuer_preferences (<100ms)
get_card_detailsFull details for a specific card (fees, rewards, benefits)
calculate_card_valueAnnual fee break-even analysis with first-year and ongoing value
optimize_portfolioPortfolio health score, per-card KEEP/OPTIMIZE/CANCEL verdicts. Optional: point_balances, benefit_selections, credit_tier, primary_goal, issuer_preferences, analysis_type, cancel_threshold, keep_threshold (<100ms)
recommend_card_for_categoryBest card to use for a specific spending category, ranked by reward value. Optional: spending, credit_tier, primary_goal, issuer_preferences (<100ms)
check_card_renewalShould you renew this card? Verdict + downgrade/replacement options. Optional: benefit_selections, acquired_date, credit_tier, primary_goal, renewal_cancel_threshold, renewal_keep_threshold
create_mcp_sessionSession tracking for multi-query conversations
which_card_at_merchantBest card from your portfolio at a specific merchant. Auto-detects spending category (e.g. Starbucks → dining) and ranks by reward value
check_merchant_benefitsCheck if any cards have credits at a merchant (e.g. Saks → Amex Platinum $100 credit). Includes earning recommendation
get_card_benefitsAll credits/benefits for a card with value, frequency, schedule, and conditions
get_card_termsSchumer Box data — purchase APR, penalty APR, late fees, cash advance fees, promotional APR, grace period
get_card_changesAudit log of card data changes (fee updates, benefit changes) with date filtering. Optional: field filter
get_program_trendsPoints program valuation history — CPP and transfer partner ratio changes over time

Personalization Parameters

Several tools accept optional parameters that improve result relevance. All are optional — when omitted, the server uses sensible defaults (e.g., national average spending, no issuer bias).

credit_tier

Credit score range that affects card eligibility and approval likelihood.

ValueMeaning
"excellent"750+
"good"700-749
"fair"650-699
"poor"Below 650

Used by: search_credit_cards, compare_cards, optimize_portfolio, recommend_card_for_category, check_card_renewal

primary_goal

The user's main objective for their credit card strategy.

ValueMeaning
"maximize_rewards"Get the most points/cashback from everyday spending
"minimize_fees"Keep annual fees low while maintaining value
"build_credit"Establish or improve credit score
"travel_perks"Prioritize lounge access, travel credits, and transfer partners
"simplicity"Prefer fewer cards with straightforward reward structures

Used by: compare_cards, optimize_portfolio, recommend_card_for_category, check_card_renewal

issuer_preferences

A list of issuer preference objects that express affinity or aversion toward specific card issuers. Each entry has an issuer name and a weight that multiplies the card's ranking score — 1.0 is neutral (the default for any issuer not listed), values above 1.0 boost, values below 1.0 de-boost. Valid range is 0.1 to 3.0.

json
[  {"issuer": "Chase", "weight": 1.5},  {"issuer": "American Express", "weight": 1.2},  {"issuer": "Capital One", "weight": 0.3}]

Used by: compare_cards, optimize_portfolio, recommend_card_for_category

spending

A dictionary of monthly spending amounts by category, used to calculate personalized reward values instead of national averages.

json
{"dining": 500, "groceries": 800, "travel": 300, "gas": 150, "general": 2000}

Used by: compare_cards, optimize_portfolio, recommend_card_for_category, check_card_renewal, calculate_card_value

cancel_threshold / keep_threshold

Override the default net-value thresholds (in dollars) for KEEP/OPTIMIZE/CANCEL verdicts.

  • cancel_threshold — Cards below this → CANCEL (default: -200)
  • keep_threshold — Cards above this → KEEP (default: 100)

Used by: optimize_portfolio

renewal_cancel_threshold / renewal_keep_threshold

Same concept applied to a single card's renewal decision.

Used by: check_card_renewal

acquired_date

Date the user acquired the card (YYYY-MM-DD). Informs tenure-based renewal analysis.

Used by: check_card_renewal

Response Metadata

Calculation tools include metadata fields in responses:

  • spending_source — "user_provided" or "national_averages". Indicates whether calculations used user-supplied spending or BLS national averages.
  • data_source — Indicates where card data was sourced (e.g., "koko_db").
  • rewards_by_category — Per-category reward breakdown included in compare, portfolio, and value tools.
  • points_program_key / portal_cpp — Points program identifier and portal cents-per-point valuation, included on all card data.

Prompts (5)

Pre-built conversation starters that guide the AI through structured workflows:

PromptDescriptionParameters
portfolio-reviewFull portfolio analysis with health score and verdictscard_names, monthly_spending (optional)
which-cardFind the best card for a specific purchasecard_names, category, amount (optional)
new-card-finderSearch for a new card matching your criteriaspending_focus, annual_fee_limit (optional), credit_score (optional)
renewal-checkWalk through a card renewal decision step by stepcard_name, annual_fee (optional)
card-risk-assessmentAnalyze a card's risk profile — APR exposure, penalty triggers, fee trapscard_name, issuer (optional)

Benefit Selections

The optimize_portfolio and check_card_renewal tools accept a benefit_selections parameter — a list of individual benefit keys the user actually uses. Selected benefits count at 100% utilization; unselected benefits count at 0%.

benefit_selections: ["uber", "airline_fee", "dining", "admirals_club"]

This gives accurate net-value calculations instead of the default 50% utilization estimate.

Discover valid keys by calling the REST endpoint GET https://kokofinance.net/api/v1/benefit-categories (no auth required), or see the developer docs.

Example Conversations

"Review my portfolio"

I have a Chase Sapphire Reserve, Amex Gold, and Citi Double Cash. Analyze my portfolio and tell me which cards are worth keeping.

"Which card should I use?"

I'm buying $200 in groceries. I have an Amex Gold, Chase Freedom Unlimited, and Citi Custom Cash. Which card should I use?

"Find me a new card"

I spend a lot on travel and dining. I want a card under $300 annual fee with a good sign-up bonus. What do you recommend?

"Should I renew my Amex Platinum?"

I only use the Uber credit and airline fee credit on my Amex Platinum. Is it still worth paying the $695 annual fee?

"Which card at Starbucks?"

I'm buying coffee at Starbucks. I have a Chase Sapphire Reserve, Amex Gold, and Citi Double Cash. Which card earns the most?

"Do I have any credits at Saks?"

I'm shopping at Saks Fifth Avenue. Do any of my cards have credits there? I have an Amex Platinum and Chase Sapphire Reserve.

"What benefits does my Amex Platinum have?"

Show me all the credits and benefits on my Amex Platinum card — how much is each worth?

Screenshots

Screenshots captured from Claude using the KoKo Finance MCP server.

1. Search for Credit Cards

"Find me the best travel credit cards under $300 annual fee"

[Search travel cards]

2. Compare Cards Side by Side

"Compare Chase Sapphire Reserve and Amex Gold"

[Compare cards — part 1] [Compare cards — part 2]

3. Portfolio Review

"Analyze my portfolio: Chase Sapphire Reserve, Amex Gold, Citi Double Cash"

[Portfolio review — part 1] [Portfolio review — part 2]

4. Which Card at a Merchant

"Which card should I use at Starbucks?"

[Which card at merchant]

5. Card Benefits Breakdown

"Show me all the credits and benefits on my Amex Platinum"

[Card benefits — part 1] [Card benefits — part 2]

Links

Also Available

  • Claude Code Plugin — Adds the MCP server connection plus an Agent Skill that teaches Claude structured credit card workflows

Privacy Policy

KoKo Finance collects minimal data required to operate the MCP server:

  • Authentication data: Google OAuth profile (name, email) when you sign in, or an API key if you authenticate that way instead.
  • Usage logs: Tool name, parameters, success/failure status, and timestamp for each MCP tool call. Used for rate limiting and service improvement.
  • No third-party sharing: We do not sell or share personal data with third parties.
  • Data retention: Usage logs are retained for service operation. You can request deletion by contacting us.
  • Contact: [email protected]

Full privacy policy: https://kokofinance.net/privacy.html

License

MIT

來源:README.md,提交 8e8ee60

工具

0
該伺服器需要登入,因此 SourceWeft 無法在沒有帳號的情況下讀取其工具,也未收錄。已連接帳號所能看到的內容可能因帳號及其權限而異。

版本歷史

1
  1. v1.1.0最新Sep 16, 2026

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