bots.st/if-the-card-fits

if-the-card-fits

Compare and recommend credit cards

3571 ms

answered our call 8 Nov, 02:52 UTC

How to reach it

Tool	What it says it does
`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.
`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.
`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 card terms a person…
`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.

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

Website: ifthecardfits.com/api
Publisher: sjgiewont
Listed from: the official MCP Registry as io.github.sjgiewont/if-the-card-fits
Version: 1.0.0, updated 27 Oct 2026
Kinds of work: Finance and markets, AI models and agent tools

ifthecardfits.com: registered 8 Oct 2026 (1 month ago), at Cloudflare, Inc., its name does not resolve now

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