if-the-card-fits
Which credit cards a household should carry, simulated over 5 years on weekly-verified terms.
What it does
if-the-card-fits is an MCP server, a connector that lets an AI assistant use it as a tool. It is hosted: an assistant connects to it over the internet, nothing to install.
No capability identified yet from its description.
Facts come from the Official MCP Registry, as declared by the publisher. Capabilities are matched automatically (low confidence). None of this is a test of the tool.
At a glance
How to connect
As declared in the Official MCP Registry · hosted endpoint tested by Electra Index 1h ago (live check)Hosted endpoint
https://ifthecardfits.com/mcpstreamable-http
In Claude Code: claude mcp add --transport http if-the-card-fits https://ifthecardfits.com/mcp
MCP settings (Claude Desktop, Cursor and other MCP clients)
{
"mcpServers": {
"if-the-card-fits": {
"url": "https://ifthecardfits.com/mcp"
}
}
}Live check
Electra Index connected to the hosted endpoint 1h agoONLINE if-the-card-fits answered an MCP connection on 27 Oct 2026 and introduced itself as If The Card Fits 1.0.0 (MCP protocol 2025-06-18).
4 tools offered to AI assistants
spending_categories· The 19 categories this API scores spending against. Call this first and map the person's statement onto these ids before calling simulate_cards.simulate_cards· 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 indekeep_or_cancel· 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.compare_two· 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.
What "online" means: the server answered an MCP connection at the time of the check. It is not a guarantee of security, quality or continuous uptime. How we test: we open an MCP session and ask for the tool list, as an AI assistant would. We never run a tool and never send a key. Checked every few days. Method
Is this your server? Monitoring Pro: a check every 30 minutes and an email within the hour when it stops answering. Launch offer: $39.99 once, for life.
Facts & evidence
Each fact shows where it was seen and when.| Fact | Value | Evidence | Source | Last confirmed |
|---|---|---|---|---|
| Hosted endpoint | https://ifthecardfits.com/mcp | DECLARED | SRC-001 Official MCP Registry | 1h ago |
| Local install (package) | no | DECLARED | SRC-001 Official MCP Registry | 1h ago |
| Remote access (hosted) | yes | DECLARED | SRC-001 Official MCP Registry | 1h ago |
| Website | https://ifthecardfits.com/api/ | DECLARED | SRC-001 Official MCP Registry | 1h ago |
| Registry status | active | DECLARED | SRC-001 Official MCP Registry | 1h ago |
| Version | 1.0.0 | DECLARED | SRC-001 Official MCP Registry | 1h ago |
| MCP server | yes | DECLARED | SRC-001 Official MCP Registry | 1h ago |
Change history
- NEW27 Oct 2026first seen in the index
Is this page accurate?
Flag it and our robot re-checks the official source. Reports never change a score.Is if-the-card-fits still online?
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<a href="https://electraindex.com/mcp/if-the-card-fits?utm_source=badge&utm_medium=share&utm_campaign=listing"><img src="https://electraindex.com/api/badge/if-the-card-fits" alt="Listed on Electra Index"></a>Questions about if-the-card-fits
How do I connect if-the-card-fits?
Use the hosted endpoint https://ifthecardfits.com/mcp in your assistant's MCP settings. The exact settings are in "How to connect" above, as declared in the Official MCP Registry.
What tools does if-the-card-fits offer?
When Electra Index connected on 27 Oct 2026, it listed 4 tools: spending_categories, simulate_cards, keep_or_cancel, compare_two. The full list is in "Live check" above.
Is if-the-card-fits online?
Yes. Its hosted endpoint answered an MCP connection from Electra Index 1h ago.