KoKo Finance — Credit Card Advisor

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 API key required. No local installation needed. Just connect your MCP client.

Quick Setup

Claude Desktop

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

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

Claude Code

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:

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

Tools (14)

Tool	Description
search_credit_cards	Natural language search across 100+ US credit cards. Optional filters: card_type, issuer, max_annual_fee, credit_tier
compare_cards	Side-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_details	Full details for a specific card (fees, rewards, benefits)
calculate_card_value	Annual fee break-even analysis with first-year and ongoing value
optimize_portfolio	Portfolio 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_category	Best card to use for a specific spending category, ranked by reward value. Optional: spending, credit_tier, primary_goal, issuer_preferences (<100ms)
check_card_renewal	Should 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_session	Session tracking for multi-query conversations
which_card_at_merchant	Best card from your portfolio at a specific merchant. Auto-detects spending category (e.g. Starbucks → dining) and ranks by reward value
check_merchant_benefits	Check if any cards have credits at a merchant (e.g. Saks → Amex Platinum $100 credit). Includes earning recommendation
get_card_benefits	All credits/benefits for a card with value, frequency, schedule, and conditions
get_card_terms	Schumer Box data — purchase APR, penalty APR, late fees, cash advance fees, promotional APR, grace period
get_card_changes	Audit log of card data changes (fee updates, benefit changes) with date filtering. Optional: field filter
get_program_trends	Points 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.

Value	Meaning
"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.

Value	Meaning
"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.

[
  {"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.

{"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:

Prompt	Description	Parameters
portfolio-review	Full portfolio analysis with health score and verdicts	card_names, monthly_spending (optional)
which-card	Find the best card for a specific purchase	card_names, category, amount (optional)
new-card-finder	Search for a new card matching your criteria	spending_focus, annual_fee_limit (optional), credit_score (optional)
renewal-check	Walk through a card renewal decision step by step	card_name, annual_fee (optional)
card-risk-assessment	Analyze a card's risk profile — APR exposure, penalty triggers, fee traps	card_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"

2. Compare Cards Side by Side

"Compare Chase Sapphire Reserve and Amex Gold"

3. Portfolio Review

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

4. Which Card at a Merchant

"Which card should I use at Starbucks?"

5. Card Benefits Breakdown

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

Links

• KoKo Finance — Main site
• Developer Documentation — Full API and tool reference
• MCP Endpoint — Direct server URL

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. No sign-in is required for free-tier usage.
• 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: privacy@kokofinance.net

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

License

MIT