Koko Credit card assistant

MCP server to access Koko's credit card workflows to search, compare and optimize credit cards

GitHub

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 (8)

ToolDescription
search_credit_cardsNatural language search across 100+ US credit cards
compare_cardsSide-by-side comparison of 2-3 cards with fees, rewards, net value, and break-even (<100ms)
get_card_detailsFull details for a specific card (fees, rewards, benefits)
calculate_card_valueAnnual fee break-even analysis with first-year and ongoing value
optimize_portfolioPortfolio health score, per-card KEEP/OPTIMIZE/CANCEL verdicts (<100ms)
recommend_card_for_categoryBest card to use for a specific spending category, ranked by reward value (<100ms)
check_card_renewalShould you renew this card? Verdict + downgrade/replacement options
create_mcp_sessionSession tracking for multi-query conversations

Prompts (4)

Pre-built conversation starters that guide the AI through structured workflows:

PromptDescriptionParameters
portfolio-reviewFull portfolio analysis with health score and verdictscard_names, monthly_spending (optional)
which-cardFind the best card for a specific purchasecard_names, category, amount (optional)
new-card-finderSearch for a new card matching your criteriaspending_focus, annual_fee_limit (optional), credit_score (optional)
renewal-checkWalk through a card renewal decision step by stepcard_name, annual_fee (optional)

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?

Links

Also Available

  • Claude Code Plugin — Adds the MCP server connection plus an Agent Skill that teaches Claude structured credit card workflows

License

MIT

Verwandte Server