RI

RightCard

ai.rightcard/mcp

Which of your credit cards to use at any store, from verified bank data. No bank login.

Yes, your AI can use this right now.Answered a live MCP handshake in 209 ms with no sign-in needed and exposes 5 tools.

Connect it

Settings → Connectors → Add custom connector
URL: https://mcp.rightcard.ai/mcp

5 tools, verified live

Pulled straight from the server with tools/list on 2026-10-17.
best_card

Which of the given cards earns the most at a store (merchant) or for a spend category, today. Returns the card, the honest rate, why, and caveats (merchant-code traps, activation, ties). Base rates + rotating bonuses + built-in card benefits only; a user's personal bank offers live on their phone and are not consulted here.

lookup_merchant

The store's reward category as RightCard's directory files it, its merchant type, and the merchant-code caveat when a category bonus usually will not post there (superstores like Walmart/Target, warehouse clubs like Costco/Sam's). Same ranking the app uses.

search_cards

Search RightCard's catalog by card or issuer name to get the ids to pass into best_card. Verified cards first; unverified cards are flagged, never hidden.

card

Everything RightCard knows about one card: rates by category, base rate, currency, annual fee, verification status, live rotating windows, and the choose-your-category spec if it has one.

rotating_calendar

Live and upcoming rotating-category windows (Freedom Flex, Discover it, Citi Dividend…) and permanent merchant benefits, from the same verified data as the app. Optionally filter by card id.

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