# If the Card Fits Muse connector

From musedirectory.ai, the independent directory of Meta Muse connectors. Not affiliated with Meta.

## If the Card Fits

Find the best credit cards for your household spending and see what they're worth over 5 years.

- Record: https://musedirectory.ai/connector/if-the-card-fits
- Category: Finance & Bills
- Developer: sjgiewont (https://ifthecardfits.com/api/)
- Muse status: Extra setup. Not in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
- Health: Working, 1082ms, checked 2026-10-30T02:16:28Z
- Endpoint: https://ifthecardfits.com/mcp
- Auth: No account needed; Pricing: unknown
- Screening: Screened, no issues found (2026-10-30T02:16:28Z)
- Source: Found in the official MCP Registry (io.github.sjgiewont/if-the-card-fits) https://registry.modelcontextprotocol.io/v0/servers?search=io.github.sjgiewont%2Fif-the-card-fits

Simulates credit card rewards and fees against your spending by category. Recommends the best single cards and two-card combinations, accounts for memberships and travel frequency, and tells you whether cards you already carry still pay for themselves.

Example request: "Which two credit cards should I carry to maximize rewards on my groceries, dining, and travel spending?"

How to connect: Not in Muse's Connectors list yet, but Muse can still use it. Paste this into Muse: "Use If the Card Fits to help me. It is a free service with an MCP server at https://ifthecardfits.com/mcp. 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.

Tools:
- 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 independent reference calculator, against ca
- keep_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.

Screening checks:
- MCP handshake: pass (Answered in 1082ms)
- Domain against threat feeds (Cloudflare security DNS): pass (ifthecardfits.com not flagged)
- Published packages against the OSV malicious-package database: n/a (No npm or PyPI package published)
- Hidden instructions or invisible characters in tool text: pass (4 tools read, nothing found)
- Inputs asking for passwords, card numbers or seed phrases: pass (None found)
- Domain and redirects: pass (Domain registered 18 days ago)
- AI review of purpose and tool behavior: pass (No concerns)