Koko Credit card assistant

Tools · 14

• 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