If The Card Fits

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How to connect

Add it to any MCP client that supports remote servers.

{
  "mcpServers": {
    "if-the-card-fits": {
      "type": "http",
      "url": "https://ifthecardfits.com/mcp"
    }
  }
}

4 tools

• spending_categories

  The 19 categories this API scores spending against. Call this first and map the person's statement onto these ids before calling simulate_cards.

• simulate_cards

  Given a year of spending by category, returns the three best credit cards and the best two-card combination, with what each is worth after its annual fee over the chosen horizon. Figures come from a model checked to the cent against an independent reference calculator, against…

• keep_or_cancel

  For cards the person already carries, says whether each one still earns its annual fee back on their spending, and what to move to if not. Pass the cards as `held`. Returns a verdict and a rounded yearly margin.

• compare_two

  Two named cards head to head on the person's own spending: which one pays more, and by how much a year. Use this when they are choosing between two specific cards. For 'what should I get', use simulate_cards instead.

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