Server address

https://cardreply.com/mcp

Add this address in any assistant that lets you connect a remote MCP server by URL. It uses the Streamable HTTP transport and answers the MCP 2026-07-28 protocol as well as the 2025 versions. There is no API key or OAuth step.

Directory listings in Muse and Grok Bot are not approved yet. Until they are, the connector works only where you can add a server yourself.

Tools

Six tools, all read-only. None of them signs in anywhere, adds offers, applies for cards or moves money. Money goes in as dollars, reward rates as percents and point values as cents per point, each with up to two decimals, and the math uses whole cents, the same as the free calculators.

Find money this week find_money

The hand-checked list of public ways to get money back: card credits about to lapse, 5% categories, bank bonuses for a paycheck, card-linked offers and gift card deals. Each find says what it is worth, who can get it, its last day, the catch and its source. Soonest deadline first.

Needs: Nothing. It can narrow by kind, by a word such as a card or store name, or by days left.

Which card earns more compare_card_rewards

Which of two to six cards earns the most on one purchase, in dollars.

Needs: The purchase amount and each card’s reward rate for it, as a percent.

Cash, flight or hotel value compare_points_value

Compare alternative uses of the same points balance, after award fees and transfer increments, including the cash value of remaining points. Uses entered prices, not live availability.

Needs: A bank-points balance and cash-out rate, flight and hotel prices, award points, fees, hotel nights and confirmed transfer ratios and increments.

Welcome bonus pace check_bonus_pace

Whether a welcome bonus spending target will be met by its deadline, what is still needed and the average per day.

Needs: The target, eligible spending and returns so far, the start date and the deadline.

Is the annual fee worth it annual_fee_value

What a card with a fee earns against a no-fee card on the same spending, after the fee and the credits someone would really use, and the spending where the two break even.

Needs: Yearly spending, both reward rates, the fee and any credits used.

Card payoff plan plan_card_payoff

Up to twelve balances paid down three ways, highest rate first, smallest balance first and minimums only, with months to zero, total interest and what to pay on each card this month.

Needs: Each balance, APR and minimum payment, and the monthly budget.

Things to ask

  • Are there any 5% categories or bank bonuses worth doing right now?
  • For a $250 grocery run, should I use my 6% grocery card or my 2% card?
  • I opened my card on August 1 and need to spend $4,000 by October 30. I have spent $3,500. Am I on pace?
  • Is a $95 annual fee worth it if I spend $6,000 a year on groceries at 4%, when my no-fee card pays 2%?
  • I owe $3,000 at 24.99% with a $90 minimum and $1,200 at 18% with a $40 minimum. I can pay $400 a month. What should I pay first?

Limits

  • US cards and offers.
  • Amounts up to $1,000,000.
  • Up to six cards in a comparison and twelve in a payoff plan.
  • 600 requests a minute from one address.

Your information

The connector keeps nothing that is sent to it. Each tool takes only the numbers it needs and ignores anything else. Each call is calculated and answered, and the only record is a log line with the tool's name and whether it worked. The finds come from a list checked by hand each week, with a source for every one. Read the privacy page and the terms of use.

Help

Questions or problems: hello@cardreply.com. See how the numbers are worked out on how it works.