creditcards.best

creditcards.best is a structured, sourced database of US credit card offers (170 cards; rates, fees, rewards rates, signup bonuses and eligibility signals) built to be read by people and queried by AI agents. It publishes a no-auth remote MCP server (Streamable HTTP at https://mcp.creditcards.best) with tools for searching, comparing, eligibility checks and rewards estimation, and ranks cards by fit for the user's spending rather than by affiliate placement fees.

creditcards.best is listed with 1 API on the APIs.io network. Tagged areas include Company, Credit Cards, Personal Finance, Financial Data, and MCP.

creditcards.best’s developer surface includes authentication, documentation, and 10 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

15.7/100 emerging Agent 9/100 agent aware Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

AccessFree

1 API 1 MCP Servers

Company Credit Cards Personal Finance Financial Data MCP AI Agents Rewards

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 15.7/100 · emerging

Contract Quality 2.6 / 21

Developer Ergonomics 3.6 / 17

Access Clarity 2.9 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 6.1 / 9

Regulatory Posture 0.8 / 15

Agent readiness — 9/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document Ask about this →
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author Ask about this →
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link Ask about this →

10 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 12.0 — up to +22.0 composite points Ask about this →
Access Clarity scores 17.0 — up to +16.6 composite points Ask about this →
Developer Ergonomics scores 21.4 — up to +15.7 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/creditcards-best/apis.yml: open an issue on github.com/api-evangelist/creditcards-best to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (documented)

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

creditcards.best MCP Server

No-auth remote MCP server (Streamable HTTP) over the creditcards.best database of US credit card offers, exposing six tools - search_cards, get_card, estimate_rewards, check_eli...

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

creditcards.best MCP Server

Remote MCP server at mcp.creditcards.best over streamable HTTP; 6 tools listed.

MCP SERVER

creditcards.best API pricing

Prices published by creditcards.best.

Plan	Price
Free (open MCP server)	No. Some assistants require a paid plan of their own before they will connect to any outsi

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

creditcards.best Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

creditcards.best Rate Limits

0 limits

RATE LIMITS

JSON Schema 6

Standalone JSON Schema definitions for this provider's data models.

check_eligibility input

3 properties

JSON SCHEMA

compare_cards input

1 properties

JSON SCHEMA

estimate_rewards input

5 properties

JSON SCHEMA

get_apply_link input

1 properties

JSON SCHEMA

get_card input

1 properties

JSON SCHEMA

search_cards input

13 properties

JSON SCHEMA

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

creditcards.best Authentication

1 scheme

SECURITY

creditcards.best Domain Security

TLSv1.3 · HSTS

SECURITY

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

MCPServer

MCPServer

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conventions

Conventions

Build 1

SDKs, sample code, and the tooling you integrate with

IntegrationEdges

IntegrationEdges

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Commercial 1

Pricing, plans, and the legal terms of use

Plans

Plans

Company 1

The organization behind the API

Website

Website

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: creditcards-best
name: creditcards.best
description: creditcards.best is a structured, sourced database of US credit card offers (170 cards; rates, fees, rewards
  rates, signup bonuses and eligibility signals) built to be read by people and queried by AI agents. It publishes a no-auth
  remote MCP server (Streamable HTTP at https://mcp.creditcards.best) with tools for searching, comparing, eligibility checks
  and rewards estimation, and ranks cards by fit for the user's spending rather than by affiliate placement fees.
url: https://artifacts.apis.io/creditcards-best/apis.yml
x-type: company
x-source: harvest:mcp-registry
x-tier: profiled
x-tier-reason: enrichment pass 2026-11-04 (modular-v1; was harvest)
accessModel:
  pricing: free
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Free
  confidence: medium
  probe_state: covered
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-13'
  method: derived
specificationVersion: '0.20'
created: '2026-11-04'
modified: '2026-11-04'
tags:
- Company
- Credit Cards
- Personal Finance
- Financial Data
- MCP
- AI Agents
- Rewards
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
image: https://creditcards.best/og.png
common:
- type: Plans
  url: plans/creditcards-best-plans-pricing.yml
- type: Conventions
  url: conventions/creditcards-best-conventions.yml
- type: Authentication
  url: authentication/creditcards-best-authentication.yml
- type: LLMsTxt
  url: llms/creditcards-best-llms.txt
- type: MCPServer
  url: mcp/creditcards-best-mcp.yml
- type: Hosts
  url: hosts/creditcards-best-hosts.yml
- type: IntegrationEdges
  url: integrations/creditcards-best-integration-edges.yml
- type: Vendors
  url: vendors/creditcards-best-vendors.yml
- type: DomainSecurity
  url: security/creditcards-best-domain-security.yml
- type: Website
  url: https://creditcards.best/
- type: Documentation
  url: https://creditcards.best/mcp-info
- type: LLMsTxt
  url: https://creditcards.best/llms.txt
apis:
- aid: creditcards-best:creditcards-best-mcp-server
  name: creditcards.best MCP Server
  description: No-auth remote MCP server (Streamable HTTP) over the creditcards.best database of US credit card offers, exposing
    six tools - search_cards, get_card, estimate_rewards, check_eligibility, compare_cards and get_apply_link. The provider
    publishes no REST OpenAPI, GraphQL or AsyncAPI contract; the MCP server is the documented supported way to query the dataset
    (llms.txt).
  humanURL: https://creditcards.best/mcp-info
  baseURL: https://mcp.creditcards.best
  tags:
  - MCP
  - Credit Cards
  properties:
  - type: Documentation
    url: https://creditcards.best/mcp-info
  - type: JSONSchema
    url: json-schema/creditcards-best-search-cards-input-schema.json
  - type: JSONSchema
    url: json-schema/creditcards-best-get-card-input-schema.json
  - type: JSONSchema
    url: json-schema/creditcards-best-estimate-rewards-input-schema.json
  - type: JSONSchema
    url: json-schema/creditcards-best-check-eligibility-input-schema.json
  - type: JSONSchema
    url: json-schema/creditcards-best-compare-cards-input-schema.json
  - type: JSONSchema
    url: json-schema/creditcards-best-get-apply-link-input-schema.json
x-coverage:
  state: covered
  reason: identity-verified
  detail: Website https://creditcards.best/ self-identifies as creditcards.best (title, footer "© 2026 creditcards.best");
    no terms, privacy, GitHub, blog, pricing or support pages are linked from the site or sitemap.
  evidence:
  - url: https://creditcards.best/
    status: 200
  - url: https://creditcards.best/mcp-info
    status: 200
  - url: https://creditcards.best/llms.txt
    status: 200
  - url: https://creditcards.best/og.png
    status: 200
  - url: https://mcp.creditcards.best/
    status: 200
x-enrichment:
  date: '2026-11-04'
  status: enriched
  artifacts_added: 21
  pass: modular-v1
  engine: identity=anthropic,contract=anthropic,surfaces=anthropic,docs=anthropic,regulatory=anthropic

creditcards.best API — frequently asked questions

Does creditcards.best have an API?

Yes. APIs.io lists 1 API from creditcards.best, including creditcards.best MCP Server.

How do I authenticate with the creditcards.best API?

creditcards.best uses bearer-token authentication (1 scheme). The details are profiled on APIs.io as creditcards.best Authentication.

How much does the creditcards.best API cost?

creditcards.best publishes its prices; its Free (open MCP server) plan is No. Some assistants require a paid plan of their own before they will connect to any outsi as of 2026-11-04. APIs.io lists 1 pricing plan for creditcards.best, with each plan's price, limits and inclusions under Pricing on this page.

Does creditcards.best have an MCP server?

Yes. APIs.io lists 1 MCP server for creditcards.best: Remote MCP server at mcp.creditcards.best over streamable HTTP; 6 tools listed.

Is the creditcards.best API ready for AI agents?

creditcards.best has a Kin Score of 15.7 out of 100 (emerging) and an Agent Readiness score of 8.5 (agent-aware), scored by API Evangelist on 2026-11-13.

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