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/