MCP server

If Card Fits

io.github.sjgiewont/if-the-card-fits

Checked 28 Oct 2026, 09:03 UTC · Connected to it and listed its tools

Which credit cards a household should carry, simulated over 5 years on weekly-verified terms.

Working at last checkAbout 2,297 tokens per request once connected4 tools

https://ifthecardfits.com/mcp

At a glance

Type: MCP server
Publisher: Not verified
Status: Working at last check
Tools: 4
Token cost: About 2,297 tokens per request
Sets up in: Claude Code, Claude Desktop, Codex, Gemini CLI, Cursor, VS Code, Antigravity, ChatGPT, OpenAI API, Grok
Last checked: 28 Oct 2026, 09:03 UTC

Opens the app, which shows the server and asks you to confirm. For other apps, copy the setup below.

Claude Code

claude mcp add --transport http if-the-card-fits https://ifthecardfits.com/mcp

Claude Desktop

Settings → Connectors → Add custom connector, and paste the URL.

Codex (config.toml)

[mcp_servers.if-the-card-fits]
url = "https://ifthecardfits.com/mcp"

Gemini CLI

{"mcpServers":{"if-the-card-fits":{"httpUrl":"https://ifthecardfits.com/mcp"}}}

Cursor

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

VS Code

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

Antigravity

agy mcp add if-the-card-fits https://ifthecardfits.com/mcp

ChatGPT

Settings → Apps & Connectors → Advanced settings: turn on Developer mode, then Create a connector and paste the URL. Which plans can do this varies.

OpenAI API (Responses tools)

{"type":"mcp","server_label":"if-the-card-fits","server_url":"https://ifthecardfits.com/mcp","require_approval":"always"}

Grok (xAI API tools)

{"type":"mcp","server_label":"if-the-card-fits","server_url":"https://ifthecardfits.com/mcp"}

compare_two ~724 tokens
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.
keep_or_cancel ~689 tokens
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.
simulate_cards ~799 tokens
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 card terms a person ve
spending_categories ~85 tokens
The 19 categories this API scores spending against. Call this first and map the person's statement onto these ids before calling simulate_cards.

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