# RightCard (npm · rightcard-mcp)

Which of your credit cards to use at any store, from verified bank data. No bank login.

- Trust score: 79/100 (medium)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-09-24

## Components

- remote · `mcp.rightcard.ai`: 69/100, [markdown](https://verifymcp.io/servers/ai-rightcard-mcp/mcp.md), [page](https://verifymcp.io/servers/ai-rightcard-mcp/mcp)
- npm · `rightcard-mcp`: 79/100 (this document), [markdown](https://verifymcp.io/servers/ai-rightcard-mcp/rightcard-mcp.md), [page](https://verifymcp.io/servers/ai-rightcard-mcp/rightcard-mcp)

## Channel facts

- Registry: `npm`
- Package: `rightcard-mcp`
- Version: `0.1.3`
- Transport: `stdio`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically from public evidence about the published package, including repeated runs of it in an isolated sandbox, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-09-24.

- **Supply Chain Security**: 98/100
  - No malware found by supply-chain analysis.
  - No known CVEs affecting this package version or its production dependencies.
  - No install/post-install scripts declared.
  - 31 of 95 dependencies flagged as unhealthy.
- **Provenance & Transparency**: 45/100
  - Source repository is publicly reachable at the declared URL.
  - Provenance check failed: no build-provenance attestation is published.
  - Clear OSI-approved license (MIT).
  - Actively maintained (last published 7 days ago).
  - Disclosure check failed: no security disclosure policy was found in the source repository.
- **Schema Quality & AI Usability**: 56/100
  - 33% of prompts and resources have a non-trivial description (not blank, and not just the item's name).
  - AI-judged instruction clarity (good).
  - Tool/resource definitions use about 600 tokens (~85/item across 7 items; 5 tools + 2 resources), lean.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 100/100
  - No destabilizing schema changes in the last 30 days.
- **Tool Coverage**: 83/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 50% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 5 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 7 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### How do I install the RightCard MCP server?

RightCard runs locally as an npm package, launched with npx -y rightcard-mcp. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add ai-rightcard-mcp -- npx -y rightcard-mcp
```

### Cursor

```json
{
  "mcpServers": {
    "ai-rightcard-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "rightcard-mcp"
      ]
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "ai-rightcard-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "rightcard-mcp"
      ]
    }
  }
}
```

### Codex

```bash
codex mcp add ai-rightcard-mcp -- npx -y rightcard-mcp
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "ai-rightcard-mcp": {
      "type": "local",
      "command": [
        "npx",
        "-y",
        "rightcard-mcp"
      ],
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add ai-rightcard-mcp --command npx --arg -y --arg rightcard-mcp
```

### Hermes

```yaml
mcp_servers:
  ai-rightcard-mcp:
    command: "npx"
    args: ["-y", "rightcard-mcp"]
```

### Netclaw

```json
{
  "McpServers": {
    "ai-rightcard-mcp": {
      "Transport": "stdio",
      "Command": "npx",
      "Arguments": [
        "-y",
        "rightcard-mcp"
      ]
    }
  }
}
```

### Vellum

```bash
assistant mcp add ai-rightcard-mcp -t stdio -c npx -a -y rightcard-mcp
```

### Other

```json
{
  "mcpServers": {
    "ai-rightcard-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "rightcard-mcp"
      ]
    }
  }
}
```

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-09-24 (score 79, 0)

- [security] Stability: 0.97 → pass

### 2026-09-23 (score 79, +1)

No change was recorded against any check on this day. Stability & Change Management went from 93 to 97. That category is still filling its 30-day observation window: 28 days of observed history at the previous scan, 29 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-21 (score 78, +1)

No change was recorded against any check on this day. Stability & Change Management went from 87 to 90. That category is still filling its 30-day observation window: 26 days of observed history at the previous scan, 27 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-19 (score 77, +1)

No change was recorded against any check on this day. Stability & Change Management went from 80 to 83. That category is still filling its 30-day observation window: 24 days of observed history at the previous scan, 25 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-17 (score 76, +26)

- [security improvement] Malware scan: unverified → pass
- [security improvement] Known CVEs: unverified → pass
- [functional improvement] Dependency health: unverified → 0.85

### 2026-09-16 (score 50, −20)

- [security regression] Malware scan: pass → unverified
- [security regression] Known CVEs: pass → unverified
- [security improvement] Source repository: fail → pass
- [functional regression] Dependency health: 0.84 → unverified
- [functional] Package version: 0.1.2 → 0.1.3

### 2026-09-15 (score 70, +1)

No change was recorded against any check on this day. Stability & Change Management went from 67 to 70. That category is still filling its 30-day observation window: 20 days of observed history at the previous scan, 21 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-13 (score 69, +1)

No change was recorded against any check on this day. Stability & Change Management went from 60 to 63. That category is still filling its 30-day observation window: 18 days of observed history at the previous scan, 19 at this one. The score rises as the window fills, whether or not the server changes.

## MCP tools (5)

### `best_card` (~226 tokens)

Best card for a store or category

Which of the given cards earns the most at a store (merchant) or for a spend category, today. Returns the card, the honest rate, why, and caveats (merchant-code traps, activation, ties). Base rates + rotating bonuses + built-in card benefits only; a user's personal bank offers live on their phone and are not consulted here.

Input parameters:

- `category` (string): Spend category when there is no specific store.
- `chosen_categories` (object): For choose-your-category cards (Citi Custom Cash, BofA Customized, Venmo): card id → the categories the person set.
- `merchant` (string): Store name, e.g. 'Costco', 'Whole Foods', 'Uber'. Use this OR category.
- `on` (string): Date (YYYY-MM-DD, UTC) for rotating windows; defaults to today.
- `valuation` (string): 'cash' counts every point at 1¢ (default). 'points' values points per program at conservative travel values.
- `wallet` (array, required): Card ids the person holds (from search_cards).

### `lookup_merchant` (~70 tokens)

How a store is coded

The store's reward category as RightCard's directory files it, its merchant type, and the merchant-code caveat when a category bonus usually will not post there (superstores like Walmart/Target, warehouse clubs like Costco/Sam's). Same ranking the app uses.

Input parameters:

- `name` (string, required)

### `search_cards` (~62 tokens)

Find card ids

Search RightCard's catalog by card or issuer name to get the ids to pass into best_card. Verified cards first; unverified cards are flagged, never hidden.

Input parameters:

- `issuer` (string)
- `limit` (integer)
- `query` (string, required)

### `card` (~52 tokens)

A card's verified rates

Everything RightCard knows about one card: rates by category, base rate, currency, annual fee, verification status, live rotating windows, and the choose-your-category spec if it has one.

Input parameters:

- `id` (string, required)

### `rotating_calendar` (~53 tokens)

Rotating 5% windows

Live and upcoming rotating-category windows (Freedom Flex, Discover it, Citi Dividend…) and permanent merchant benefits, from the same verified data as the app. Optionally filter by card id.

Input parameters:

- `card_id` (string)

## Diagnostics

Captured diagnostic sections: Provenance, Dependencies. The full working is on the page: https://verifymcp.io/servers/ai-rightcard-mcp/rightcard-mcp#diagnostics

## Score history

- 2026-09-24: 79
- 2026-09-23: 79
- 2026-09-22: 78
- 2026-09-21: 78
- 2026-09-20: 77
- 2026-09-19: 77
- 2026-09-18: 76
- 2026-09-17: 76
- 2026-09-16: 50
- 2026-09-15: 70
- 2026-09-14: 69
- 2026-09-13: 69
- 2026-09-12: 68
- 2026-09-11: 68
- 2026-09-10: 67
- 2026-09-09: 67
- 2026-09-08: 67
- 2026-09-07: 66
- 2026-09-06: 66
- 2026-09-05: 65
- 2026-09-04: 65
- 2026-09-03: 64
- 2026-09-02: 64
- 2026-09-01: 63
- 2026-08-31: 60
- 2026-08-30: 60
- 2026-08-29: 60
- 2026-08-28: 60
- 2026-08-27: 60
- 2026-08-26: 60

## Common questions

### What is the RightCard MCP server?

RightCard is an MCP server listed in the public MCP registry as ai.rightcard/mcp. Which of your credit cards to use at any store, from verified bank data. No bank login. This page covers its npm package (rightcard-mcp).

### Is the RightCard MCP server safe to use?

RightCard scores 79 out of 100 on VerifyMCP. We found no known CVEs affecting it as of 24 September 2026. It declares no install or post-install scripts. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the RightCard MCP server expose?

RightCard exposes 5 tools: best_card, lookup_merchant, search_cards, card, rotating_calendar. Their descriptions and schemas cost roughly 463 tokens of context every time the server is loaded.

### Is the RightCard MCP server still maintained?

RightCard is still listed as active in the MCP registry. We last reached this channel on 24 September 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

### What licence is the RightCard MCP server under?

RightCard declares the MIT licence, which is OSI-approved. That covers the source only, and says nothing about the cost of any service it calls.

## Links

- npm package: https://www.npmjs.com/package/rightcard-mcp
- Socket report: https://socket.dev/npm/package/rightcard-mcp
- Repository: https://github.com/rightcard/rightcard-mcp
- Website: https://rightcard.ai/mcp
- Changelog RSS feed: https://verifymcp.io/servers/ai-rightcard-mcp/rightcard-mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/ai-rightcard-mcp/rightcard-mcp.json
- HTML version of this page: https://verifymcp.io/servers/ai-rightcard-mcp/rightcard-mcp