Official MCP RegistryListed
earnrate
Which credit card earns the most at a merchant, from your cards or every card, and why.
First seen 28 Oct 2026. Evidence as of 31 Oct 2026.
16
Tools
From an anonymous probe
1
Source listings
Each with its own history
3
Recorded changes
Since first seen
Tools
| Tool | Description | Behaviour |
|---|---|---|
| add_card | Adds a card the user holds to their wallet by its id from search_cards, creating the wallet if there isn't one. The reply says what the card still needs (category picks, memberships, activations); ask the user about those. Stores only the card's product id and settings, never card numbers. | Changes data |
| best_card_for_purchase | Which card earns the most rewards for a purchase, and why. With no cards given and no saved wallet, it ranks every card earnrate knows (in `allCards`): a complete answer for anyone. With cards named in the conversation (`cards`) or a saved wallet, it picks the best of the user's own: `decision.cardId` is the pick and `decision.checkoutLabel` is how the card appears at checkout, with every usable card ranked with reasons, cards the merchant won't take, assumptions, warnings, and when a different point valuation would change the pick. Never needs or returns card numbers. | Read-only |
| best_cards_for | Ranks every card earnrate knows, not only the user's, for one purchase or category, each set up at its best (the right category pick, activated, cap unused), with its annual fee and what earning the rate takes. Use it for questions like "what's the best card for groceries?" or "which card should I get for Amazon?". It needs no wallet. For which of the user's own cards to use, call best_card_for_purchase instead. Mention the annual fee and any conditions alongside each card. | Read-only |
| cheat_sheet | The card to use for each everyday kind of purchase right now: groceries, dining, gas, Amazon, Costco, travel, streaming, drugstores and everything else. With no cards given and no saved wallet, it picks from every card earnrate knows (`scope: all cards`, each row noting the card's fee and conditions). With cards named in the conversation or a saved wallet, it picks from the user's own cards, with caps, picks and activations as they are. For one specific store, call best_card_for_purchase instead. Pass on the notes. | Read-only |
| compare_welcome_offers | Ranks the public welcome (sign-up) offers on cards the user doesn't have by first-year value: the bonus at the user's point values minus the first year's annual fee. Use it when the user asks which new card to get or which has the best sign-up bonus. It covers only the cards earnrate knows, offers vary by person, and each offer's note gives the issuer's eligibility rules; pass those caveats on. It doesn't account for what a card would earn on the user's spending. | Read-only |
| delete_wallet | Deletes the saved wallet now and for good, and signs out every app using it. Only when the user asks to delete it; confirm first, and offer export_wallet to keep a copy. | Destructive |
| export_wallet | The saved wallet as a wallet.yaml file the earnrate command line and earnrate.dev can import: card ids, picks, activations, memberships, cap usage and bonus progress. Never card numbers. | Read-only |
| import_wallet | Replaces the saved wallet with a wallet.yaml from the earnrate command line or earnrate.dev, when the user pastes or attaches one. Wallet files only: never statements or card numbers. Confirm with the user first if they already have cards saved. | Destructive |
| list_wallet | Lists the user's cards: checkout label, network, rewards currency and its value, spending caps with how much is left this period, chosen bonus categories (and whether they're current), welcome-bonus progress, which stores a store card works at, and when each card's data was last verified. | Read-only |
| record_purchase | Records a purchase the user has already made, so spending caps and welcome-bonus progress stay accurate for future recommendations. It updates the user's saved wallet. Only call it after the purchase has happened, and only once per purchase: calling it twice counts the spend twice. Purchases with no cap and no open welcome bonus are acknowledged and nothing is written. | Changes data |
| remove_card | Removes a card from the wallet, with its tracked cap usage and bonus progress. Only when the user says they no longer have it or don't want it considered. | Destructive |
| resolve_merchant | Shows how earnrate identifies a merchant: its spend category, likely MCC, which card networks it takes, confidence, and whether that came from curated data, Claude, or nowhere. Use it to explain or double-check a recommendation. | Read-only |
| search_cards | Finds credit cards in earnrate's catalog by name or issuer, e.g. "sapphire", "amex gold" or "bofa". Returns each card's id (for add_card), network, annual fee, whether it's already in the wallet, and what it needs set up: category picks and their options, memberships, activations. Leave the query out to list every card. US cards only. | Read-only |
| set_memberships | Sets the memberships that unlock some cards' rates, such as amazon-prime for Prime Visa's 5% or a Bank of America Preferred Rewards tier. Replaces the whole list, so include the ones to keep. | Destructive |
| simulate_spending | Spends monthly amounts for a year across every card earnrate knows, and ranks single cards and two-card pairs by rewards minus annual fees. Spending is optional: without it, typical U.S. household amounts are used and the answer says so. With `cards` (named in the conversation) or compareToWallet (the saved wallet), it ranks the cards that would add the most to those cards instead. Use it for "which card fits my spending?" or "is it worth adding a card?". It leaves out welcome bonuses. | Read-only |
| update_card | Changes settings on a card already in the wallet: its category picks for this period, checkout label, anniversary or activated categories. Picks for the current period are merged with the ones already saved. Use it when the user picks new categories, such as each quarter on U.S. Bank Cash+. | Destructive |
Change history
- MCP URL changed (registry)
- Description changed (registry)
- Listed (registry)
| Source | Listing | First seen | Last seen | Versions |
|---|---|---|---|---|
| Official MCP Registry | io.github.cwasley/earnrate | 28 Oct 2026 | 31 Oct 2026 | 2 |