io.github.sjgiewont/if-the-card-fits
REMOTE · IFTHECARDFITS.COM
Which credit cards a household should carry, simulated over 5 years on weekly-verified terms.
Available components
Last scanned (4 hours ago)
Scores higher than 43% of remote servers
Reachable. Last reached 5 Nov 2026.
Category Finance and Payments
How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. How we score → Why this is hard to score →
Endpoint Security46
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- Authorisation not fully verified: no authorisation is required to call this server, and 4 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe. See how to fix → View diagnostics → Unverified
- HTTPS enforcement could not be verified: the plaintext port answered with HTTP 405, which proves neither a plaintext path nor enforcement. View diagnostics → Unverified
- HSTS check failed: the Strict-Transport-Security header is absent. See how to fix → View diagnostics → Fail
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability58
- AI-judged instruction clarity (good).Pass
- Context-footprint check failed: tool/resource definitions use about 990 tokens (~247/item across 4 items; 4 tools + 0 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management30
- Stability observed for 9 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage100
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 100% of tool parameters carry a description.Pass
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 4 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 4 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a current MCP spec version (2026-07-28).Pass
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 4 Nov 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 23 to 27. That category is still filling its 30-day observation window: 7 days of observed history at the previous scan, 8 at this one. The score rises as the window fills, whether or not the server changes.
- 2 Nov 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 17 to 20. That category is still filling its 30-day observation window: 5 days of observed history at the previous scan, 6 at this one. The score rises as the window fills, whether or not the server changes.
- 31 Oct 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 10 to 13. That category is still filling its 30-day observation window: 3 days of observed history at the previous scan, 4 at this one. The score rises as the window fills, whether or not the server changes.
- 29 Oct 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.
- 28 Oct 26 0
- Stability: unverified → 0.03 ▲ functional
- 27 Oct 26 57
First indexed and scored.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 5 Nov 2026 · Probed https://ifthecardfits.com/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=ifthecardfits.com | CN=WE1,O=Google Trust Services,C=US | 8 Oct 2026 | 6 Jan 2027 | ECDSA 256 | ECDSA-SHA256 | d777f28b730d4280132b08303f06026b |
| SANs: ifthecardfits.com, www.ifthecardfits.com, *.www.ifthecardfits.com | ||||||
| CN=WE1,O=Google Trust Services,C=US (CA) | CN=GTS Root R4,O=Google Trust Services LLC,C=US | 13 Dec 2023 | 20 Feb 2029 | ECDSA 256 | ECDSA-SHA384 | 7ff31977972c224a76155d13b6d685e3 |
| CN=GTS Root R4,O=Google Trust Services LLC,C=US (CA) | CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE | 15 Nov 2023 | 28 Jan 2028 | ECDSA 384 | SHA256-RSA | 7fe530bf331343bedd821610493d8a1b |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of ifthecardfits.com. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| com. | present | 19718 | 13 | Verified |
| ifthecardfits.com. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://ifthecardfits.com/mcp | Verified | 200 | |
| http (plaintext) | http://ifthecardfits.com/mcp | Inconclusive | 405 |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
compare_two Compare two cards for this person ~310
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.
| Name | Type | Req | Description |
|---|---|---|---|
| cardA | string | yes | Card id. |
| cardB | string | yes | Card id. |
| departures | integer | – | Flights departed per year, which decides what lounge and companion perks are worth. |
| filters | object | – | Must-haves that remove cards before ranking. |
| foreignPerYear | number | – | Of that spending, how much is in a foreign currency, per year. |
| held | array | – | Card ids the person already carries, so a new card is judged against them. |
| memberships | array | – | Membership tags the person already pays for, e.g. amazon_prime, costco_membership. |
| mode | string | – | Whether points are valued as cash back or for travel. Defaults to cash. |
| source | string | yes | A short lowercase slug naming your client, so apply clicks can be attributed. Required. |
| totals | object | yes | A year's card spending in dollars, by category. Map the person's statement onto these categories with the spending_categories tool first. At least 4 categories must have spending and no single one ma… |
| years | – | – | Horizon in years. One of 1, 3 or 5; defaults to 5. |
No output schema declared.
No examples provided.
keep_or_cancel Keep, downgrade or cancel a card ~289
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.
| Name | Type | Req | Description |
|---|---|---|---|
| departures | integer | – | Flights departed per year, which decides what lounge and companion perks are worth. |
| filters | object | – | Must-haves that remove cards before ranking. |
| foreignPerYear | number | – | Of that spending, how much is in a foreign currency, per year. |
| held | array | – | Card ids the person already carries, so a new card is judged against them. |
| memberships | array | – | Membership tags the person already pays for, e.g. amazon_prime, costco_membership. |
| mode | string | – | Whether points are valued as cash back or for travel. Defaults to cash. |
| source | string | yes | A short lowercase slug naming your client, so apply clicks can be attributed. Required. |
| totals | object | yes | A year's card spending in dollars, by category. Map the person's statement onto these categories with the spending_categories tool first. At least 4 categories must have spending and no single one ma… |
| years | – | – | Horizon in years. One of 1, 3 or 5; defaults to 5. |
No output schema declared.
No examples provided.
simulate_cards Find the best credit cards for a person's spending ~357
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 verified against the issuer's own page — the response says which catalog version and when each card was last checked. Always show the person the continueUrl: it reopens their own numbers on the site with the full breakdown, the rest of the ranking and offer alerts. Also show the disclosure string.
| Name | Type | Req | Description |
|---|---|---|---|
| departures | integer | – | Flights departed per year, which decides what lounge and companion perks are worth. |
| filters | object | – | Must-haves that remove cards before ranking. |
| foreignPerYear | number | – | Of that spending, how much is in a foreign currency, per year. |
| held | array | – | Card ids the person already carries, so a new card is judged against them. |
| memberships | array | – | Membership tags the person already pays for, e.g. amazon_prime, costco_membership. |
| mode | string | – | Whether points are valued as cash back or for travel. Defaults to cash. |
| source | string | yes | A short lowercase slug naming your client, so apply clicks can be attributed. Required. |
| totals | object | yes | A year's card spending in dollars, by category. Map the person's statement onto these categories with the spending_categories tool first. At least 4 categories must have spending and no single one ma… |
| years | – | – | Horizon in years. One of 1, 3 or 5; defaults to 5. |
No output schema declared.
No examples provided.
spending_categories Spending categories ~34
The 19 categories this API scores spending against. Call this first and map the person's statement onto these ids before calling simulate_cards.
Input schema present but exposes no named parameters.
No output schema declared.
No examples provided.
How do I install the io.github.sjgiewont/if-the-card-fits MCP server?
io.github.sjgiewont/if-the-card-fits is a hosted endpoint at https://ifthecardfits.com/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.
remote · ifthecardfits.com
claude mcp add --transport http sjgiewont-if-the-card-fits 'https://ifthecardfits.com/mcp'
What is the io.github.sjgiewont/if-the-card-fits MCP server?
io.github.sjgiewont/if-the-card-fits is an MCP server listed in the public MCP registry as io.github.sjgiewont/if-the-card-fits. Which credit cards a household should carry, simulated over 5 years on weekly-verified terms. This page covers its hosted endpoint (https://ifthecardfits.com/mcp).
Is the io.github.sjgiewont/if-the-card-fits MCP server safe to use?
io.github.sjgiewont/if-the-card-fits scores 61 out of 100 on VerifyMCP. 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 io.github.sjgiewont/if-the-card-fits MCP server expose?
io.github.sjgiewont/if-the-card-fits exposes 4 tools: spending_categories, simulate_cards, keep_or_cancel, compare_two. Their descriptions and schemas cost roughly 990 tokens of context every time the server is loaded.
Does the io.github.sjgiewont/if-the-card-fits MCP server require authentication?
No. We connected to io.github.sjgiewont/if-the-card-fits without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the io.github.sjgiewont/if-the-card-fits MCP server still maintained?
io.github.sjgiewont/if-the-card-fits is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.