search_credit_cardsLABSCO SUMMARY
Card decisions with the arithmetic already done.
Every question people actually have about a card — which one to pull out at this shop, is the fee still worth paying, should I cancel — answered against the current terms of 100+ US cards rather than a blog post from two years ago.
What it is
A hosted advice layer over 100+ US credit cards. It searches and compares cards, scores a portfolio you describe, and answers per-merchant and per-category questions with the reward arithmetic already done.
What you get
- Natural-language search across 100+ US credit cards, filterable by card type, issuer, maximum annual fee and credit tier
- Two or three cards compared side by side on fees, rewards, net value and break-even
- Break-even analysis for a single card, with first-year value separated from ongoing value
- A portfolio health score with a KEEP, OPTIMIZE or CANCEL verdict per card
- The best card for a spending category, ranked by what the reward is actually worth, and the best card in your wallet at a named merchant
- A renewal verdict with downgrade and replacement options when the annual fee comes due
- Card terms, benefits and recent changes, plus programme-level trends
Requirements
Nothing to install and no API key — a remote server at https://kokofinance.net/mcp/, added as a single HTTP entry. The card data is US.
Setup effort
One command — claude mcp add koko-finance --transport http https://kokofinance.net/mcp/
USE CASES
01
Deciding which card to use right now
Name the merchant or the category and get the card from your own set that pays best there.
02
Deciding whether to keep a card whose fee is due
A renewal verdict with downgrade and replacement options, alongside the break-even maths for holding it another year.
03
Cleaning up a wallet that grew by accident
A health score across the whole set, with a keep, optimize or cancel verdict on each card.
04
Choosing between two cards you are considering
Side by side on fees, rewards, net value and break-even, instead of two marketing pages.
05
Checking a benefit before you rely on it
Read the card's terms and benefits, and what has changed on it, before booking the trip that depends on the insurance.
06
Seeing where a rewards programme is heading
Programme trends, for when the question is about the issuer rather than one card, with the session held across a run of follow-ups.
14 tools
Listed in project docs. Your client may show a different list.
compare_cardsget_card_detailscalculate_card_valueoptimize_portfoliorecommend_card_for_categorycheck_card_renewalcreate_mcp_sessionwhich_card_at_merchantcheck_merchant_benefitsget_card_benefitsget_card_termsget_card_changesget_program_trendsBEFORE YOU INSTALL
What to know first
Tools you get
14 tools named in the project's documentation.
Requires
A client that can reach a remote MCP server over HTTP
Where it runs
Both documented clients connect to a hosted endpoint.
INSTALLATION
Connect your client
Server setup
claude mcp add
TERMINAL
claude mcp add koko-finance --transport http https://kokofinance.net/mcp/Hosted endpoint
ENDPOINT URL
https://kokofinance.net/mcp/Add this hosted endpoint to your MCP client.
MCP Clients
Cline
CLINE · JSON
{
"mcpServers": {
"koko-finance": {
"type": "streamableHttp",
"url": "https://kokofinance.net/mcp/"
}
}
}Windsurf
WINDSURF · JSON
{
"mcpServers": {
"koko-finance": {
"type": "http",
"serverUrl": "https://kokofinance.net/mcp/"
}
}
}
