# creditcards.best

> Search, compare and estimate rewards across US credit cards. Verified fees, APRs and bonuses.

- name: best.creditcards/mcp
- version: 0.1.0
- connection class: R0 (autonomous)
- trust: 80/100 flags: no-repository
- quality: 85/100 (good)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/best.creditcards%2Fmcp
- tools: https://api.protogrid.dev/v1/servers/best.creditcards%2Fmcp/tools

**An agent can connect right now, no human step.** Remote endpoint, no authentication, reachable on the last probe.

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "creditcards": {
      "type": "http",
      "url": "https://mcp.creditcards.best"
    }
  }
}
```


## Trust

- hygiene: 80
- liveness: 100
- freshness: 85
- provenance: 55
- drivers: +dns-namespace +website +reachable +uptime-100% ~updated-85d-ago -no-repository
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 85/100 (good)

### protocol: 75 (weight 25)

- warn `protocol.modern`: newest supported version is 2025-11-25; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
- n/a `protocol.stateless`: only applies to 2026-07-28 servers
- pass `protocol.transport`: streamable HTTP
- n/a `protocol.list_ttl`: only applies to 2026-07-28 servers

### authorization: n/a (weight 15)

- n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth
- n/a `auth.secret_in_url`: no templated URL

### tool hygiene: 86 (weight 30)

- pass `tools.descriptions`: every tool has a description
- pass `tools.description_length`: descriptions are concise
- pass `tools.schemas`: every tool has an object input schema
- pass `tools.annotations`: 6 of 6 tools declare readOnlyHint or destructiveHint
- fail `tools.directory_hints`: no tool declares all four of readOnlyHint, destructiveHint, idempotentHint and openWorldHint; missing: compare_cards (destructiveHint, idempotentHint); search_cards (destructiveHint, idempotentHint); get_card (destructiveHint, idempotentHint); …
- pass `tools.token_cost`: about 1,404 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump

### stability: 100 (weight 15)

- pass `stability.changes`: no tool changes in 30 days
- pass `stability.rug_pull`: no tool changed its meaning under the same name

### dependencies: n/a (weight 15)

- n/a `deps.known_vulns`, `deps.mcp_sdk_version`, `deps.resolvable`: no npm or PyPI package

- tools: 6, about 1,404 tokens to load them all
- tool set hash: 16f28ea5e0a0c1bc46a18c0f9eacb01e
- badge: [![protogrid quality](https://protogrid.dev/badge/best.creditcards/mcp.svg)](https://protogrid.dev/servers/best.creditcards/mcp)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

_No tool definition changes recorded._

## Remotes

- https://mcp.creditcards.best (streamable-http, auth none, reachable true, uptime30d 1)
- https://creditcards.best/mcp (streamable-http, auth none, reachable true, uptime30d 1)

## Packages

_none_

## Tools (6)

- `check_eligibility`: Given a user's credit band (and optionally income), return cards they would typically qualify for, surfacing issuer application rules (e.g. Chase 5/24) and any income floor. Only cards that publish a credit requirement can be answered; cards with no published requirement are counted in `unknownCount`, never listed as qualifying. This is a likelihood signal from published guidance, not an approval guarantee.
- `compare_cards`: Side-by-side detail for two or more cards by id: fees, foreign-transaction fee, signup bonus, earn rates, credits and eligibility. Apply links are tracked redirects.
- `estimate_rewards`: Given an annual spending profile (USD per category, e.g. { dining: 6000, groceries: 8000, travel: 4000, other: 20000 }), estimate each card's net rewards value and rank them. Net value = rewards earned on spend + first-year signup bonus − annual fee. Statement credits are reported separately (max value if fully used), NOT folded into the headline, to avoid overstating premium 'coupon-book' cards. Returns a per-category breakdown and the assumptions used. All card facts come from the verified dataset; only point valuation is modeled.
- `get_apply_link`: Return the apply link for a card. This is always a creditcards.best tracked redirect that records the referral and forwards to the issuer; the raw issuer URL is never returned.
- `get_card`: Full detail for a single card by id (slug), including earn rates, credits, eligibility, sources and lastVerified. The apply link is our tracked redirect, not the issuer URL.
- `search_cards`: Filter the US credit-card dataset by product type, rewards currency (program name or kind), issuer, annual fee, foreign-transaction fee, signup-bonus value, credit band, or curated category. Searches ONLY issuer-verified cards by default, because unverified stubs carry null for most filterable fields and a null is not a zero. Set verified:false for the stubs, or verified:null to search everything knowingly. Returns at most 25 summaries unless you raise `limit`; `total` is the full match count and `truncated` says whether you are seeing all of it. Rankings reflect fit, not placement.