search_credit_cards
Natural language search across 100+ US credit cards. Optional filters: card_type, issuer, max_annual_fee, credit_tier
compare_cards
Side-by-side comparison of 2-3 cards with fees, rewards, net value, and break-even. Optional: credit_tier, primary_goal, issuer_preferences (<100ms)
get_card_details
Full details for a specific card (fees, rewards, benefits)
calculate_card_value
Annual fee break-even analysis with first-year and ongoing value
optimize_portfolio
Portfolio health score, per-card KEEP/OPTIMIZE/CANCEL verdicts. Optional: point_balances, benefit_selections, credit_tier, primary_goal, issuer_preferences, analysis_type, cancel_threshold, keep_threshold (<100ms)
recommend_card_for_category
Best card to use for a specific spending category, ranked by reward value. Optional: spending, credit_tier, primary_goal, issuer_preferences (<100ms)
check_card_renewal
Should you renew this card? Verdict + downgrade/replacement options. Optional: benefit_selections, acquired_date, credit_tier, primary_goal, renewal_cancel_threshold, renewal_keep_threshold
create_mcp_session
Session tracking for multi-query conversations
which_card_at_merchant
Best card from your portfolio at a specific merchant. Auto-detects spending category (e.g. Starbucks → dining) and ranks by reward value
check_merchant_benefits
Check if any cards have credits at a merchant (e.g. Saks → Amex Platinum $100 credit). Includes earning recommendation
get_card_benefits
All credits/benefits for a card with value, frequency, schedule, and conditions
get_card_terms
Schumer Box data — purchase APR, penalty APR, late fees, cash advance fees, promotional APR, grace period
get_card_changes
Audit log of card data changes (fee updates, benefit changes) with date filtering. Optional: field filter
get_program_trends
Points program valuation history — CPP and transfer partner ratio changes over time