net.kokofinance/koko-finance
AI credit card advisor - search cards, compare portfolios, and optimize rewards
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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 β 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 (7)
| Tool | Description |
|---|---|
search_credit_cards | Natural language search across 100+ US credit cards |
compare_cards | Side-by-side comparison of 2-3 cards with AI analysis |
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 verdicts, and optimization strategies |
recommend_card_for_category | Best card to use for a specific spending category |
create_mcp_session | Session tracking for multi-query conversations |
Prompts (3)
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) |
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
- KoKo Finance β Main site
- Developer Documentation β Full API and tool reference
- MCP Endpoint β Direct server URL
Also Available
- Claude Code Plugin β Adds the MCP server connection plus an Agent Skill that teaches Claude structured credit card workflows
License
MIT
