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
compare_cards	Side-by-side comparison of 2-3 cards with fees, rewards, net value, and break-even (<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. Accepts optional point_balances and benefit_selections (<100ms)
recommend_card_for_category	Best card to use for a specific spending category, ranked by reward value (<100ms)
check_card_renewal	Should you renew this card? Verdict + downgrade/replacement options. Accepts optional benefit_selections
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
get_program_trends	Points program valuation history — CPP and transfer partner ratio changes over time

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?

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

License

MIT