# CardCurator MCP — Credit Card, Points & Award Travel Decisions

> Credit card, points and award travel decisions — which card to get, use, or keep.

- name: io.github.elimarvin99/cardcurator-mcp
- version: 1.2.0
- connection class: R0 (autonomous)
- trust: 94/100
- quality: 82/100 (new)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/io.github.elimarvin99%2Fcardcurator-mcp
- tools: https://api.protogrid.dev/v1/servers/io.github.elimarvin99%2Fcardcurator-mcp/tools

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

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "cardcurator-mcp": {
      "type": "http",
      "url": "https://cardcurator.ai/mcp"
    }
  }
}
```


## Trust

- hygiene: 100
- liveness: 100
- freshness: 100
- provenance: 80
- drivers: +repository +namespace-matches-repo +reachable +uptime-100% +updated-1d-ago
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 82/100 (new)

### protocol: 75 (weight 25)

- warn `protocol.modern`: newest supported version is 2024-11-05; 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: 88 (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`: 14 of 14 tools declare readOnlyHint or destructiveHint
- fail `tools.directory_hints`: no tool declares all four of readOnlyHint, destructiveHint, idempotentHint and openWorldHint; missing: get_card_details (idempotentHint); get_award_chart (idempotentHint); search_cards_by_benefit (idempotentHint); …
- pass `tools.token_cost`: about 2,064 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump
- pass `tools.hidden_text`: no hidden text in tool names, descriptions, schemas or annotations

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

- n/a `stability.changes`, `stability.rug_pull`, `stability.new_links`: tool history recorded for 0 of the 7 days needed

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

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

- tools: 14, about 2,064 tokens to load them all
- tool set hash: 627539915e1550510e6149a2abd7b6d4
- badge: [![protogrid quality](https://protogrid.dev/badge/io.github.elimarvin99/cardcurator-mcp.svg)](https://protogrid.dev/servers/io.github.elimarvin99/cardcurator-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://cardcurator.ai/mcp (streamable-http, auth none, reachable true, uptime30d 1)

## Packages

_none_

## Tools (14)

- `compare_cards`: Compare 2–4 credit cards side-by-side. Returns fees, earn rates, signup bonuses, credits, transfer partner counts, and portal values for each card, plus a highlight summary.
- `find_apr_cards`: Find credit cards with 0% APR promotional offers. Use when users ask about 0% APR cards, financing purchases interest-free, or balance transfer options. Sorted by longest duration first.
- `find_balance_transfer_cards`: Find credit cards with 0% APR balance transfer offers. Optionally pass debtAmount and currentApr to calculate exact interest savings and net benefit for each card.
- `get_active_transfer_bonuses`: Get all currently active transfer bonuses across all programs. Optionally filter by source program.
- `get_award_chart`: Get award chart pricing for an airline loyalty program. Filter by cabin class or region.
- `get_bookable_partners`: Get which airlines can be booked (award flights) using a specific airline loyalty program's miles. Use when asked "which airlines can I book with United miles?" or "can I use Aeroplan for Lufthansa?". Distinct from transfer partners — this is about redemption.
- `get_card_details`: Get full details for one CardCurator credit card, including credits, milestones, perks, APR offers, and portal values. Use only with a cardId returned by search_cards. Do not pass a card name, a natural-language question, or an ID invented by the model; call search_cards first.
- `get_points_valuations`: Get cents-per-point valuations (baseline, floor, ceiling) for loyalty programs.
- `get_transfer_partners`: Get all transfer partners for a loyalty program, including transfer ratios and any active bonuses.
- `list_programs`: List all loyalty programs (credit card, airline, hotel) with type, currency, and points valuations.
- `recommend_category_cards`: Find the best credit cards for a specific spending category (e.g., groceries, dining, travel, gas, streaming). Returns cards ranked by earn rate for that category with effective annual fees.
- `recommend_program_cards`: Recommend the best credit cards for a specific rewards program or issuer (e.g., "Chase", "Amex", "Delta", "Marriott", "Hyatt"). Returns cards ranked by overall value with top pick highlighted.
- `search_cards`: Search and filter the credit card catalog by bank, program, annual fee, card type, or credit range. Use this first when the user names a card or asks which card to choose; pass an ID returned here to get_card_details. Only search CardCurator credit-card and rewards questions.
- `search_cards_by_benefit`: Find credit cards by specific benefits, credits, or features. Use when asked "which cards have X credit/benefit?" Searches credit names, feature strings, and benefit categories. Returns cards ranked by total annual credit value.