Server addresses

Free, no sign-in:

https://cardreply.com/mcp

For members, with sign-in:

https://cardreply.com/mcp/member

Add one in any assistant that lets you connect a remote MCP server by its address. Both use the Streamable HTTP transport and answer the MCP 2026-07-28 protocol as well as the 2025 versions. The free one needs no API key or sign-in.

Directory listings in Muse and Grok Bot are not approved yet, so for now the connectors work where you can add one yourself. Coming next: the listings.

Signing in to the member connector

  1. Add https://cardreply.com/mcp/member in your assistant.
  2. Your assistant opens a CardReply page. Sign in with your email: we email you a code to type on that page, and a link that works in the same browser.
  3. The page shows which app is asking and where it goes back to. Press Allow.
  4. Ask about your own cards. To stop, disconnect the assistant on your account page.

Answers from your own cards come with a plan. Without one, the member connector lists the cards you saved, and the free tools work as usual. Adding your cards is free.

Tools

Every tool is 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.

On both connectors

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.

On the member connector

These read the cards, welcome bonuses and yearly spending you saved in your account, and use the same calculations as your account page. To change anything, use your cards page.

My saved cards my_cards

The cards in your account: each card’s issuer, annual fee and fee date, how it earns, its credits and what you said you use, and any welcome bonus you are working on, plus your yearly spending and whether your plan is open.

Free with an account.

Which of my cards to use which_of_my_cards

Which of your cards to use for one purchase, what each earns on it, and whether an open welcome bonus should come first.

Needs a plan.

My welcome bonus progress my_bonus_progress

Whether you are on pace for the welcome bonuses you saved, what counts so far, what is still needed and the days left.

Needs a plan.

Is my annual fee worth it my_annual_fee_check

Whether a card with a fee earned it over your other cards this year, from your yearly spending and the credits you use, with what to say when you call. Without a card named, every fee due in the next 60 days.

Needs a plan.

Would another card help my_next_card

Whether adding a card from CardReply's checked list would earn you more on your yearly spending, after its fee, and when to wait.

Needs a plan.

Found money for my cards my_found_money

This week's finds for the cards you hold: credits about to lapse, 5% categories and card-linked offers, soonest deadline first, each with its source.

Needs a plan.

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?

With the member connector:

  • Which of my cards should I use for an $80 dinner?
  • Am I on pace for my Sapphire bonus?
  • My Gold card fee is coming up. Is it worth keeping?
  • Is there anything this week for the cards I have?
  • Would another card earn me more?

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.
  • The member connector reads what you saved in your account, up to 30 cards. It never sees your card accounts or the offers in them.

Your information

The free connector keeps nothing that is sent to it. Each tool takes only the numbers it needs and ignores anything else, and the only record is a log line with the tool's name and whether it worked.

The member connector reads your saved cards only for an assistant you allowed. The assistant never gets your email address, the last 4 digits you saved or payment details, and nothing it asks is stored. Your account page lists every assistant you connected, and one press disconnects one. Read the privacy page and the terms of use.

The finds come from a list checked by hand each week, with a source for every one.

For developers

  • OAuth 2.1, authorization code with PKCE (S256 only), as the MCP authorization spec describes. Without a token, /mcp/member answers 401 with a WWW-Authenticate header naming its protected resource metadata.
  • Protected resource metadata: https://cardreply.com/.well-known/oauth-protected-resource/mcp/member. Authorization server metadata: https://cardreply.com/.well-known/oauth-authorization-server.
  • Apps register with dynamic client registration at https://cardreply.com/oauth/register, or use the https address of their own client metadata document as their client_id. Public clients, client_secret_post and client_secret_basic are supported.
  • Redirect addresses must be https or loopback, and match the registration exactly; a loopback address may change its port. Authorization responses carry iss. The resource parameter is https://cardreply.com/mcp/member.
  • One scope, cards:read. Access tokens last an hour. Refresh tokens last 30 days and are replaced at each use; revocation is at https://cardreply.com/oauth/revoke.

Help

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