Credit card, points and award travel decisions — which card to get, use, or keep.
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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.
Array of 2–4 card IDs to compare
Optional: specific aspect to focus the comparison on
Pick your client. Values in capitals, like YOUR_TOKEN, are yours to fill in.
Run in a terminal
claude mcp add --transport http cardcurator-mcp https://cardcurator.ai/mcp
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.
| Argument | Type | Description |
|---|---|---|
| cardIds* | array | Array of 2–4 card IDs to compare |
| focusArea | string | Optional: specific aspect to focus the comparison on |
{
"type": "object",
"required": [
"cardIds"
],
"properties": {
"cardIds": {
"type": "array",
"items": {
"type": "string"
},
"maxItems": 4,
"minItems": 2,
"description": "Array of 2–4 card IDs to compare"
},
"focusArea": {
"enum": [
"all",
"earnings",
"fees",
"travel",
"signup_bonus"
],
"type": "string",
"description": "Optional: specific aspect to focus the comparison on"
}
}
}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.
| Argument | Type | Description |
|---|---|---|
| limit | number | Max results (default 20, max 50) |
| bankName | string | Filter by bank name |
| cardType | string | |
| offerType | string | Type of 0% APR offer (default: ANY) |
| minDuration | number | Minimum promotional duration in months (e.g., 12, 15, 18) |
| maxAnnualFee | number | Maximum annual fee in dollars |
{
"type": "object",
"properties": {
"limit": {
"type": "number",
"description": "Max results (default 20, max 50)"
},
"bankName": {
"type": "string",
"description": "Filter by bank name"
},
"cardType": {
"enum": [
"PERSONAL",
"BUSINESS"
],
"type": "string"
},
"offerType": {
"enum": [
"PURCHASES",
"BALANCE_TRANSFER",
"BOTH",
"ANY"
],
"type": "string",
"description": "Type of 0% APR offer (default: ANY)"
},
"minDuration": {
"type": "number",
"description": "Minimum promotional duration in months (e.g., 12, 15, 18)"
},
"maxAnnualFee": {
"type": "number",
"description": "Maximum annual fee in dollars"
}
}
}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.
| Argument | Type | Description |
|---|---|---|
| currentApr | number | Current APR being paid (e.g., 24.99) |
| debtAmount | number | Amount of debt to transfer in dollars |
{
"type": "object",
"properties": {
"currentApr": {
"type": "number",
"description": "Current APR being paid (e.g., 24.99)"
},
"debtAmount": {
"type": "number",
"description": "Amount of debt to transfer in dollars"
}
}
}Get all currently active transfer bonuses across all programs. Optionally filter by source program.
| Argument | Type | Description |
|---|---|---|
| fromProgram | string | Filter by source program name |
{
"type": "object",
"properties": {
"fromProgram": {
"type": "string",
"description": "Filter by source program name"
}
}
}Get award chart pricing for an airline loyalty program. Filter by cabin class or region.
| Argument | Type | Description |
|---|---|---|
| cabinClass | string | |
| programName* | string | Airline loyalty program name (e.g. "British Airways") |
| originRegion | string | Origin region (e.g. "North America") |
| destinationRegion | string | Destination region (e.g. "Europe") |
{
"type": "object",
"required": [
"programName"
],
"properties": {
"cabinClass": {
"enum": [
"ECONOMY",
"PREMIUM_ECONOMY",
"BUSINESS",
"FIRST"
],
"type": "string"
},
"programName": {
"type": "string",
"description": "Airline loyalty program name (e.g. \"British Airways\")"
},
"originRegion": {
"type": "string",
"description": "Origin region (e.g. \"North America\")"
},
"destinationRegion": {
"type": "string",
"description": "Destination region (e.g. \"Europe\")"
}
}
}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.
| Argument | Type | Description |
|---|---|---|
| programName* | string | Airline loyalty program name (e.g., "United MileagePlus", "Aeroplan", "Flying Blue") |
| allianceFilter | string | Optional: filter bookable partners by alliance |
{
"type": "object",
"required": [
"programName"
],
"properties": {
"programName": {
"type": "string",
"description": "Airline loyalty program name (e.g., \"United MileagePlus\", \"Aeroplan\", \"Flying Blue\")"
},
"allianceFilter": {
"enum": [
"ONEWORLD",
"STAR_ALLIANCE",
"SKYTEAM"
],
"type": "string",
"description": "Optional: filter bookable partners by alliance"
}
}
}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.
| Argument | Type | Description |
|---|---|---|
| cardId* | string | 24-character CardCurator card ID returned by search_cards. Never use a card name or natural-language query. |
{
"type": "object",
"required": [
"cardId"
],
"properties": {
"cardId": {
"type": "string",
"pattern": "^[a-fA-F0-9]{24}$",
"description": "24-character CardCurator card ID returned by search_cards. Never use a card name or natural-language query."
}
}
}Get cents-per-point valuations (baseline, floor, ceiling) for loyalty programs.
| Argument | Type | Description |
|---|---|---|
| programName | string | Filter by program name. Omit to get all programs. |
{
"type": "object",
"properties": {
"programName": {
"type": "string",
"description": "Filter by program name. Omit to get all programs."
}
}
}Get all transfer partners for a loyalty program, including transfer ratios and any active bonuses.
| Argument | Type | Description |
|---|---|---|
| programName* | string | Program name (e.g. "Chase Ultimate Rewards") |
{
"type": "object",
"required": [
"programName"
],
"properties": {
"programName": {
"type": "string",
"description": "Program name (e.g. \"Chase Ultimate Rewards\")"
}
}
}List all loyalty programs (credit card, airline, hotel) with type, currency, and points valuations.
| Argument | Type | Description |
|---|---|---|
| limit | number | Max results (default 50, max 100) |
| programType | string |
{
"type": "object",
"properties": {
"limit": {
"type": "number",
"description": "Max results (default 50, max 100)"
},
"programType": {
"enum": [
"CREDIT_CARD",
"AIRLINE",
"HOTEL",
"RENTAL_CAR",
"RAIL",
"CASHBACK_PORTAL",
"STORE"
],
"type": "string"
}
}
}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.
| Argument | Type | Description |
|---|---|---|
| limit | number | Max results (default 5, max 10) |
| cardType | string | Filter by card type (default: ALL) |
| category* | string | Spending category (e.g., "groceries", "dining", "travel", "gas", "streaming") |
| maxAnnualFee | number | Maximum annual fee in dollars |
{
"type": "object",
"required": [
"category"
],
"properties": {
"limit": {
"type": "number",
"description": "Max results (default 5, max 10)"
},
"cardType": {
"enum": [
"PERSONAL",
"BUSINESS",
"ALL"
],
"type": "string",
"description": "Filter by card type (default: ALL)"
},
"category": {
"type": "string",
"description": "Spending category (e.g., \"groceries\", \"dining\", \"travel\", \"gas\", \"streaming\")"
},
"maxAnnualFee": {
"type": "number",
"description": "Maximum annual fee in dollars"
}
}
}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.
| Argument | Type | Description |
|---|---|---|
| limit | number | Max results (default 5, max 10) |
| programName* | string | Program, issuer, airline, or hotel name (e.g., "Chase", "Delta", "Marriott") |
{
"type": "object",
"required": [
"programName"
],
"properties": {
"limit": {
"type": "number",
"description": "Max results (default 5, max 10)"
},
"programName": {
"type": "string",
"description": "Program, issuer, airline, or hotel name (e.g., \"Chase\", \"Delta\", \"Marriott\")"
}
}
}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.
| Argument | Type | Description |
|---|---|---|
| limit | number | Max results (default 20, max 50) |
| bankName | string | Filter by bank name (e.g. "Chase", "Amex") |
| cardType | string | |
| creditRange | string | Required credit score range |
| programName | string | Filter by program name (e.g. "Chase Ultimate Rewards") |
| maxAnnualFee | number | Maximum annual fee in dollars |
| minAnnualFee | number | Minimum annual fee in dollars |
{
"type": "object",
"properties": {
"limit": {
"type": "number",
"description": "Max results (default 20, max 50)"
},
"bankName": {
"type": "string",
"description": "Filter by bank name (e.g. \"Chase\", \"Amex\")"
},
"cardType": {
"enum": [
"PERSONAL",
"BUSINESS"
],
"type": "string"
},
"creditRange": {
"enum": [
"EXCELLENT",
"GOOD",
"FAIR",
"POOR"
],
"type": "string",
"description": "Required credit score range"
},
"programName": {
"type": "string",
"description": "Filter by program name (e.g. \"Chase Ultimate Rewards\")"
},
"maxAnnualFee": {
"type": "number",
"description": "Maximum annual fee in dollars"
},
"minAnnualFee": {
"type": "number",
"description": "Minimum annual fee in dollars"
}
}
}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.
| Argument | Type | Description |
|---|---|---|
| limit | number | Max results (default 10, max 20) |
| benefitKeyword | string | Keyword to search in credit names or features (e.g., "instacart", "lounge", "streaming") |
| benefitCategory | string | Filter by benefit category |
| minAnnualCreditValue | number | Minimum total annual credit value in dollars |
{
"type": "object",
"properties": {
"limit": {
"type": "number",
"description": "Max results (default 10, max 20)"
},
"benefitKeyword": {
"type": "string",
"description": "Keyword to search in credit names or features (e.g., \"instacart\", \"lounge\", \"streaming\")"
},
"benefitCategory": {
"enum": [
"TRAVEL",
"DINING",
"STREAMING",
"RIDE_SHARE",
"WIRELESS",
"HOTEL",
"AIRLINE",
"SHOPPING",
"GYM",
"GROCERY",
"GAS",
"OTHER"
],
"type": "string",
"description": "Filter by benefit category"
},
"minAnnualCreditValue": {
"type": "number",
"description": "Minimum total annual credit value in dollars"
}
}
}We read every tool's name, description and inputs the way the model will, looking for instructions hidden from you. A clean result means no warning signs, not a guarantee. Scanned Nov 13, 2026.