# KoKo Finance — Credit Card Advisor

A hosted MCP server for US credit card recommendations, fee comparisons, and rewards optimization across client apps.

- MCP server · `type=mcp` · Claude Code, Codex, Cursor, GitHub Copilot, Windsurf (Devin Desktop), Cline, Zed, Gemini CLI · ★ 1
- Author: KokoFinance
- License: MIT · policy=link-only · description only; the file stays with the author
- Source: https://github.com/KokoFinance/koko-mcp-server
- Updated: 2026-10-07
- HTML: https://affpapa.org/en/nevibecode/mcp/koko-finance-credit-card-advisor

## What it does

The server connects over HTTP at `https://kokofinance.net/mcp/` without local runtimes. It exposes 14 tools covering a database of over 100 US credit cards. The assistant inspects card terms, analyzes break-even points on annual fees, and lines up two or three alternatives side by side.

Calculations evaluate your credit tier, spending categories, and issuer preferences. For existing setups, the model assigns KEEP, OPTIMIZE, or CANCEL statuses against configurable dollar thresholds. It also matches merchant names like Starbucks to spending categories and detects retail credits from cards such as Amex Platinum.

Queries will fail without a free account registered via Google login on the provider's domain, which grants 250 complimentary API calls.

## Requirements
- Remote server: `https://kokofinance.net/mcp/`

## Install

### Claude Code (native platform)

**Platform CLI: remote server**
```bash
claude mcp add --transport http koko-finance https://kokofinance.net/mcp/
```

### Codex

**Platform CLI: remote server**
```bash
codex mcp add koko-finance-credit-card-advisor --url https://kokofinance.net/mcp/
```

### Cursor

**Config file**
File `.cursor/mcp.json`:
```json
{
    "mcpServers": {
        "koko-finance-credit-card-advisor": {
            "url": "https://kokofinance.net/mcp/"
        }
    }
}
```

### GitHub Copilot

**Config file**
File `.vscode/mcp.json`:
```json
{
    "servers": {
        "koko-finance-credit-card-advisor": {
            "type": "http",
            "url": "https://kokofinance.net/mcp/"
        }
    }
}
```

### Gemini CLI

**Platform CLI: remote server**
```bash
gemini mcp add -t http koko-finance-credit-card-advisor https://kokofinance.net/mcp/
```

## When to use it
- compare annual fees and reward structures across US cards
- determine whether to renew or cancel an existing card
- identify the best card to use at a specific merchant
- evaluate portfolio health based on monthly spending categories

## Example prompts
- Compare Chase Sapphire Preferred and Amex Gold based on my dining spending
- Check if my current credit card portfolio warrants cancelling any cards
- Which card earns the most rewards when shopping at Starbucks?

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