earnrate
Tells you which credit card earns the most at a store, from your cards or all cards, and why.
Compares credit card rewards for a specific merchant or category, using your wallet or every card it knows. Shows the best pick, fees, caps and conditions. Can track spending caps and welcome bonus progress, and import or export a wallet file. Never stores card numbers. US cards only.
Try asking Muse: "Which of my cards earns the most at Whole Foods, and does it have a spending cap I should watch?"
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Source: Found in the official MCP Registry (io.github.cwasley/earnrate) · First listed October 31, 2026
Last 24 hours
Each bar is one check, every 15 minutes. Green means it answered. Last checked 2 h ago.
Is it safe to connect?
What Muse can see: It does not ask you to sign in, so it cannot see your accounts. It only sees what Muse sends it from your request.
Before it acts: Read what Muse plans to do before you approve it, and remove the app from Muse when you stop using it.
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How to add it to Muse
Not in Muse's Connectors list yet, but Muse can still use it. Copy the request below and paste it into Muse. Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
https://mcp.earnrate.dev/Not in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
Also use it in ChatGPT or Claude
earnrate is a remote MCP server, so any assistant that can add a custom connector by link can use it. Same link, same tools.
Add it to ChatGPT
- 1
Open ChatGPT settings
In ChatGPT, open Settings, then Connectors (called Apps & Connectors on some accounts).
- 2
Turn on developer mode
Under Advanced settings, switch on Developer mode. That is what lets you add a connector by link.
- 3
Create the connector
Choose Create, give it a name, paste the link as the MCP server URL, and save. If it needs a sign-in, ChatGPT asks for it here.
- 4
Use it in a chat
Start a chat, open the tools menu, pick the connector, and ask. ChatGPT asks before it runs a tool the first time.
Custom connectors need a paid ChatGPT plan, and on Team, Enterprise and Edu accounts only an admin can add them. Our "Working" label means the server answered us; it cannot tell whether your plan lets you add it. All connectors that work in ChatGPT
Add it to Claude
- 1
Open Claude settings
In Claude, open Settings, then Connectors.
- 2
Add a custom connector
Choose Add custom connector, give it a name, and paste the link.
- 3
Connect and use it
If it needs a sign-in, Claude sends you to it. Then turn the connector on in a chat from the tools menu and ask.
Custom connectors are available on paid Claude plans; on Team and Enterprise accounts an admin may need to add them. Our "Working" label means the server answered us; it cannot tell whether your plan lets you add it. All connectors that work in Claude
https://mcp.earnrate.dev/What people ask Muse to do
Technical details: safety screening, tools, response time and recent checks
Response time at the last check: 1163ms. Worked in n/a of checks over 30 days.
Screening · October 31, 2026
Screened, no issues found
Screening looks for known threats and hidden instructions at the time of the check, and runs again weekly and whenever the tool list changes. It cannot see the server's code, so only connect what you need and review what Muse asks to do. How screening works.
Tools · 16
best_card_for_purchaseWhich card earns the most rewards for a purchase, and why. With no cards given and no saved wallet, it ranks every card earnrate knows (in `allCards`): a complete answer for anyone. With cards named in the conversation (`cards`) or a saved wallet, it picks the best of the user's resolve_merchantShows how earnrate identifies a merchant: its spend category, likely MCC, which card networks it takes, confidence, and whether that came from curated data, Claude, or nowhere. Use it to explain or double-check a recommendation.list_walletLists the user's cards: checkout label, network, rewards currency and its value, spending caps with how much is left this period, chosen bonus categories (and whether they're current), welcome-bonus progress, which stores a store card works at, and when each card's data was last compare_welcome_offersRanks the public welcome (sign-up) offers on cards the user doesn't have by first-year value: the bonus at the user's point values minus the first year's annual fee. Use it when the user asks which new card to get or which has the best sign-up bonus. It covers only the cards earnbest_cards_forRanks every card earnrate knows, not only the user's, for one purchase or category, each set up at its best (the right category pick, activated, cap unused), with its annual fee and what earning the rate takes. Use it for questions like "what's the best card for groceries?" or "wsimulate_spendingSpends monthly amounts for a year across every card earnrate knows, and ranks single cards and two-card pairs by rewards minus annual fees. Spending is optional: without it, typical U.S. household amounts are used and the answer says so. With `cards` (named in the conversation) ocheat_sheetThe card to use for each everyday kind of purchase right now: groceries, dining, gas, Amazon, Costco, travel, streaming, drugstores and everything else. With no cards given and no saved wallet, it picks from every card earnrate knows (`scope: all cards`, each row noting the card'record_purchaseRecords a purchase the user has already made, so spending caps and welcome-bonus progress stay accurate for future recommendations. It updates the user's wallet file. Only call it after the purchase has happened, and only once per purchase: calling it twice counts the spend twicesearch_cardsFinds credit cards in earnrate's catalog by name or issuer, e.g. "sapphire", "amex gold" or "bofa". Returns each card's id (for add_card), network, annual fee, whether it's already in the wallet, and what it needs set up: category picks and their options, memberships, activationsadd_cardAdds a card the user holds to their wallet by its id from search_cards, creating the wallet if there isn't one. The reply says what the card still needs (category picks, memberships, activations); ask the user about those. Stores only the card's product id and settings, never carupdate_cardChanges settings on a card already in the wallet: its category picks for this period, checkout label, anniversary or activated categories. Picks for the current period are merged with the ones already saved. Use it when the user picks new categories, such as each quarter on U.S. remove_cardRemoves a card from the wallet, with its tracked cap usage and bonus progress. Only when the user says they no longer have it or don't want it considered.set_membershipsSets the memberships that unlock some cards' rates, such as amazon-prime for Prime Visa's 5% or a Bank of America Preferred Rewards tier. Replaces the whole list, so include the ones to keep.export_walletThe saved wallet as a wallet.yaml file the earnrate command line and earnrate.dev can import: card ids, picks, activations, memberships, cap usage and bonus progress. Never card numbers.import_walletReplaces the saved wallet with a wallet.yaml from the earnrate command line or earnrate.dev, when the user pastes or attaches one. Wallet files only: never statements or card numbers. Confirm with the user first if they already have cards saved.delete_walletDeletes the saved wallet now and for good, and signs out every app using it. Only when the user asks to delete it; confirm first, and offer export_wallet to keep a copy.Link
https://mcp.earnrate.dev/Questions about earnrate in Muse
How do I connect earnrate to Muse?
Not in Muse's Connectors list yet, but Muse can still use it. Paste this into Muse: "Use earnrate to help me. It is a free service with an MCP server at https://mcp.earnrate.dev/. It does not need an API key. Ask me before you share anything with it." Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
Is earnrate working right now?
At the last check (October 31, 2026, 21:41 UTC) the endpoint was working, answering in 1163ms. It is checked every 15 minutes.
Is earnrate safe to connect to Muse?
It was screened on October 31, 2026 with the result "screened, no issues found". Screening checks the domain against threat feeds and reads the tools for hidden instructions and requests for passwords or card numbers. It cannot see the server's code, so grant only the access you need.
What can earnrate do in Muse?
It exposes 16 tools, including best_card_for_purchase, resolve_merchant, list_wallet, compare_welcome_offers. For example, you could ask Muse: "Which of my cards earns the most at Whole Foods, and does it have a spending cap I should watch?"
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This listing was added from public sources (Found in the official MCP Registry (io.github.cwasley/earnrate)). If you build earnrate, claim it to correct the details and get your badge.
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