MCP HeartbeatTHE MCP OBSERVATORY
Public workspace

Explore

Evidence for your next connection.

Independent measurements of remote MCP servers. Every observation has a timestamp.

Read-only probes

MCP server · Code & DevOps

io.github.sjgiewont/if-the-card-fits

By sjgiewont

Which credit cards a household should carry, simulated over 5 years on weekly-verified terms.

WebsiteSource code
Connect to io.github.sjgiewont/if-the-card-fits
Checks passed
10 / 22

4 failed · 8 not measured

Median response
187 ms

Median of successful probes over 7 days

30-day uptime
Not measured

Share of countable probes over 30 days, including daily rollups. Auth challenges are excluded.

Discovered tools
4

Tool definitions returned by this server

Independent monitoring

Health & checks

Status history

Outdated check

Last connection measurement is over 24 hours old. Current availability is unknown.

Last checked
Check summary by test group
Test areaPassedFailedUnmeasured
ConnectionCan a client connect and discover tools?
500
Reliability & speedDoes it respond consistently and quickly?
004
Access & authenticationWhat is required to use this server?
102
Tool qualityAre the tool definitions usable by an agent?
220
Publisher identityCan the publisher be traced to its source?
222

Unmeasured means there is not enough evidence to decide. How these checks work

Inspect individual checks 22 recorded

Core

  • Pass
    Reachable

    Latest probe returned HTTP 200 in 187 ms.

  • Pass
    Valid handshake

    protocolVersion 2025-11-25, serverInfo.name If The Card Fits.

  • Pass
    Lists tools

    tools/list returned 4 tools.

  • Pass
    Current protocol

    Negotiated 2025-11-25. The bar is 2025-06-18 or newer.

  • Pass
    HTTPS

    The endpoint URL is https.

Performance

  • Not measured
    Fast (p50)

    Median latency 187 ms over 1 samples in 7 days. The bar is 1000 ms. Need at least 5 samples.

  • Not measured
    Consistent (p95)

    95th percentile 187 ms over 1 samples in 7 days. The bar is 3000 ms. Need at least 20 samples.

  • Not measured
    Reliable (uptime)

    1 of 1 attempts returned a tool list in 30 days (100%). The bar is 99%. Need at least 30 samples.

  • Not measured
    Stable tool list

    Fewer than two successful probes in 30 days, so tool-list stability is not measured.

Access

  • Pass
    Open access

    tools/list succeeded with no credential, and the record declares none.

  • Not measured
    Standard auth

    Auth is not required, so the OAuth metadata check does not apply.

  • Not measured
    Free tier cited

    No publisher quote has been checked.

Tools

  • Pass
    Tools described

    Every tool description is at least 20 characters.

  • Pass
    Valid input schemas

    Every inputSchema is a JSON Schema object.

  • Fail
    Parameters documented

    29 of 44 parameters have a description (66%). The bar is 80%.

  • Fail
    Safety hints

    4 tools set neither readOnlyHint nor destructiveHint.

Publisher

  • Pass
    Verified namespace

    Listed in the Official MCP Registry.

  • Not measured
    Website matches publisher

    This namespace is not a reverse domain, so the website comparison does not apply.

  • Fail
    Source repo linked

    No repository URL is on file.

  • Fail
    Repo owner matches

    The GitHub repository owner does not match the namespace login.

  • Pass
    Recently updated

    Updated 2026-10-27T06:22:38.815338Z, within 180 days.

  • Not measured
    Open-source licence

    No GitHub repository to ask about a licence.

Start using io.github.sjgiewont/if-the-card-fits

Connect to this server

Choose your client, copy the configuration, then enable the server in your client’s MCP settings.

Run this command in your terminal, then restart Claude Code.

Claude Code

claude mcp add --transport http io-github-sjgiewont-if-the-card-fits https://ifthecardfits.com/mcp

Capabilities

Tools 4

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.

Discovered
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.

Discovered
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 card terms a person verified against the issuer's own page — the response says which catalog version and when each card was last checked. Always show the person the continueUrl: it reopens their own numbers on the site with the full breakdown, the rest of the ranking and offer alerts. Also show the disclosure string.

Discovered
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.

Discovered

Recent measurements

Probe history

View status
Latest stored probes. Raw probe rows are kept for 14 days.
CheckedResultResponseTools
Connected187 ms4

Related servers

All alternatives

Same function and industry, ranked by checks passed then median latency.

Explore alternatives to io.github.sjgiewont/if-the-card-fits