Benefits City MCP
An MCP server that provides verified US bank account, credit card, and brokerage signup bonuses. It allows agents to search for bonuses, retrieve specific offer details, check for expiring offers, and compare multiple bonuses using structured data with source verification.
Endpoint and access
No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.
https://aiagentscity.com/benefits/mcpWhat its tools do
6 tools, grouped by the hints the server advertises. Hints are self-declared, not verified behavior.
Checks and signals
Each line is separate evidence, not a trust score.
- Passed Endpoint answered the live check ·
- Availability 1 of 1 checks passed in 30 days
What you can do with it
- Search for bank account bonuses with specific criteria
- Retrieve full terms for a specific credit card offer
- Check for bonuses expiring within a set timeframe
- Compare head-to-head details between two bonuses
Source and maintenance
- Maintenance checked
Protocol and capabilities
- Server
- benefits-city 0.3.0
- MCP protocol negotiated in check
- 2025-11-25
- Tools
- 6 advertised
- Resources
- 1 advertised
- Resource templates
- 0 advertised
- Prompts
- Not advertised
{
"tools": {
"listChanged": true
},
"resources": {
"listChanged": true
}
}Tools
6 advertised
search_bonuses — Search bank and credit card signup bonuses
Use when a user wants to find a US bank account, savings, credit card or brokerage signup bonus, or asks which offers are worth opening. Returns matching offers sorted by bonus value, highest first — except when balance_transfer is true, which sorts by intro window instead.
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"properties": {
"limit": {
"type": "integer",
"default": 25,
"maximum": 100,
"minimum": 1,
"description": "Max results to return."
},
"query": {
"type": "string",
"description": "Keyword matched against bank/issuer, product name and the offer's requirement text, e.g. 'Chase', 'Sapphire' or 'balance transfer'."
},
"state": {
"type": "string",
"description": "2-letter US state code, e.g. 'TX'. Nationwide offers always match; regional offers match only their states."
},
"bonus_type": {
"enum": [
"bank_account",
"credit_card",
"savings",
"brokerage"
],
"type": "string",
"description": "Restrict to bank account, credit card, savings or brokerage signup bonuses."
},
"balance_transfer": {
"type": "boolean",
"description": "Set true to return only cards whose issuer states a 0% or intro rate on transferred balances. Results come back ordered by the length of that intro window, cheapest transfer fee first as the tie-break — NOT by bonus value, because these cards carry no signup bonus."
},
"min_bonus_amount_usd": {
"type": "number",
"minimum": 0,
"description": "Minimum bonus value in USD. For credit cards this is the estimated USD value of the points/miles bonus."
},
"direct_deposit_required": {
"type": "boolean",
"description": "Filter on whether the bonus requires a qualifying direct deposit."
}
},
"additionalProperties": false
}{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"bonuses"
],
"properties": {
"bonuses": {
"type": "array",
"items": {
"type": "object",
"required": [
"id",
"bank_or_issuer",
"product_name",
"bonus_type",
"bonus_amount_usd",
"bonus_max_usd",
"bonus_points",
"annual_fee_usd",
"bt_intro_apr_pct",
"bt_intro_months",
"bt_fee_pct",
"bt_fee_min_usd",
"requirements",
"min_deposit_usd",
"direct_deposit_required",
"expiry_date",
"states_available",
"application_url",
"source_url",
"last_verified_date",
"offer_history",
"verification",
"status",
"eligibility",
"sponsored",
"apply_url",
"disclosure_url"
],
"properties": {
"id": {
"type": "string"
},
"status": {
"enum": [
"active",
"expired",
"needs_review"
],
"type": "string"
},
"apply_url": {
"type": [
"string",
"null"
]
},
"sponsored": {
"type": "boolean"
},
"bonus_type": {
"enum": [
"bank_account",
"credit_card",
"savings",
"brokerage"
],
"type": "string"
},
"bt_fee_pct": {
"type": [
"number",
"null"
]
},
"source_url": {
"type": [
"string",
"null"
]
},
"eligibility": {
"anyOf": [
{
"type": "object",
"required": [
"new_to_bank",
"once_per_lifetime",
"cooldown_months",
"issuer_rules"
],
"properties": {
"new_to_bank": {
"type": [
"boolean",
"null"
]
},
"issuer_rules": {
"type": "array",
"items": {
"type": "string"
}
},
"cooldown_months": {
"type": [
"number",
"null"
]
},
"once_per_lifetime": {
"type": [
"boolean",
"null"
]
}
},
"additionalProperties": false
},
{
"type": "null"
}
]
},
"expiry_date": {
"type": [
"string",
"null"
]
},
"bonus_points": {
"type": [
"number",
"null"
]
},
"product_name": {
"type": "string"
},
"requirements": {
"type": "array",
"items": {
"type": "string"
}
},
"verification": {
"anyOf": [
{
"type": "object",
"required": [
"method",
"verified_at",
"sources"
],
"properties": {
"method": {
"enum": [
"issuer_page",
"aggregator_consensus"
],
"type": "string"
},
"sources": {
"type": "array",
"items": {
"type": "string"
}
},
"verified_at": {
"type": "string"
}
},
"additionalProperties": false
},
{
"type": "null"
}
]
},
"bonus_max_usd": {
"type": [
"number",
"null"
]
},
"offer_history": {
"type": "array",
"items": {
"type": "object",
"required": [
"amount_usd",
"valid_from",
"valid_to"
],
"properties": {
"valid_to": {
"type": [
"string",
"null"
]
},
"amount_usd": {
"type": "number"
},
"valid_from": {
"type": [
"string",
"null"
]
}
},
"additionalProperties": false
}
},
"annual_fee_usd": {
"type": [
"number",
"null"
]
},
"bank_or_issuer": {
"type": "string"
},
"bt_fee_min_usd": {
"type": [
"number",
"null"
]
},
"disclosure_url": {
"type": "string"
},
"application_url": {
"type": [
"string",
"null"
]
},
"bt_intro_months": {
"type": [
"number",
"null"
]
},
"min_deposit_usd": {
"type": [
"number",
"null"
]
},
"bonus_amount_usd": {
"type": "number"
},
"bt_intro_apr_pct": {
"type": [
"number",
"null"
]
},
"states_available": {
"anyOf": [
{
"type": "string"
},
{
"type": "array",
"items": {
"type": "string"
}
}
]
},
"last_verified_date": {
"type": [
"string",
"null"
]
},
"direct_deposit_required": {
"type": "boolean"
}
},
"additionalProperties": false
}
}
},
"additionalProperties": false
}{
"readOnlyHint": true,
"openWorldHint": true,
"destructiveHint": false
}get_bonus — Get one bonus offer in full
Use before recommending an offer, to read its exact requirements, minimum deposit, direct-deposit rules, expiry date, state availability and the date its terms were last verified. Quote the requirements rather than paraphrasing money amounts.
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"id"
],
"properties": {
"id": {
"type": "string",
"description": "Bonus id, e.g. 'chase-total-checking-400'. Use search_bonuses to find ids."
}
},
"additionalProperties": false
}{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"bonus"
],
"properties": {
"bonus": {
"type": "object",
"required": [
"id",
"bank_or_issuer",
"product_name",
"bonus_type",
"bonus_amount_usd",
"bonus_max_usd",
"bonus_points",
"annual_fee_usd",
"bt_intro_apr_pct",
"bt_intro_months",
"bt_fee_pct",
"bt_fee_min_usd",
"requirements",
"min_deposit_usd",
"direct_deposit_required",
"expiry_date",
"states_available",
"application_url",
"source_url",
"last_verified_date",
"offer_history",
"verification",
"status",
"eligibility",
"sponsored",
"apply_url",
"disclosure_url"
],
"properties": {
"id": {
"type": "string"
},
"status": {
"enum": [
"active",
"expired",
"needs_review"
],
"type": "string"
},
"apply_url": {
"type": [
"string",
"null"
]
},
"sponsored": {
"type": "boolean"
},
"bonus_type": {
"enum": [
"bank_account",
"credit_card",
"savings",
"brokerage"
],
"type": "string"
},
"bt_fee_pct": {
"type": [
"number",
"null"
]
},
"source_url": {
"type": [
"string",
"null"
]
},
"eligibility": {
"anyOf": [
{
"type": "object",
"required": [
"new_to_bank",
"once_per_lifetime",
"cooldown_months",
"issuer_rules"
],
"properties": {
"new_to_bank": {
"type": [
"boolean",
"null"
]
},
"issuer_rules": {
"type": "array",
"items": {
"type": "string"
}
},
"cooldown_months": {
"type": [
"number",
"null"
]
},
"once_per_lifetime": {
"type": [
"boolean",
"null"
]
}
},
"additionalProperties": false
},
{
"type": "null"
}
]
},
"expiry_date": {
"type": [
"string",
"null"
]
},
"bonus_points": {
"type": [
"number",
"null"
]
},
"product_name": {
"type": "string"
},
"requirements": {
"type": "array",
"items": {
"type": "string"
}
},
"verification": {
"anyOf": [
{
"type": "object",
"required": [
"method",
"verified_at",
"sources"
],
"properties": {
"method": {
"enum": [
"issuer_page",
"aggregator_consensus"
],
"type": "string"
},
"sources": {
"type": "array",
"items": {
"type": "string"
}
},
"verified_at": {
"type": "string"
}
},
"additionalProperties": false
},
{
"type": "null"
}
]
},
"bonus_max_usd": {
"type": [
"number",
"null"
]
},
"offer_history": {
"type": "array",
"items": {
"type": "object",
"required": [
"amount_usd",
"valid_from",
"valid_to"
],
"properties": {
"valid_to": {
"type": [
"string",
"null"
]
},
"amount_usd": {
"type": "number"
},
"valid_from": {
"type": [
"string",
"null"
]
}
},
"additionalProperties": false
}
},
"annual_fee_usd": {
"type": [
"number",
"null"
]
},
"bank_or_issuer": {
"type": "string"
},
"bt_fee_min_usd": {
"type": [
"number",
"null"
]
},
"disclosure_url": {
"type": "string"
},
"application_url": {
"type": [
"string",
"null"
]
},
"bt_intro_months": {
"type": [
"number",
"null"
]
},
"min_deposit_usd": {
"type": [
"number",
"null"
]
},
"bonus_amount_usd": {
"type": "number"
},
"bt_intro_apr_pct": {
"type": [
"number",
"null"
]
},
"states_available": {
"anyOf": [
{
"type": "string"
},
{
"type": "array",
"items": {
"type": "string"
}
}
]
},
"last_verified_date": {
"type": [
"string",
"null"
]
},
"direct_deposit_required": {
"type": "boolean"
}
},
"additionalProperties": false
}
},
"additionalProperties": false
}{
"readOnlyHint": true,
"openWorldHint": true,
"destructiveHint": false
}expiring_soon — List bonuses expiring soon
Use when timing matters — a user asking what is about to end, or whether to act now. Offers with no stated end date are never included here.
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"properties": {
"days": {
"type": "integer",
"default": 30,
"maximum": 365,
"minimum": 1,
"description": "Lookahead window in days (default 30)."
}
},
"additionalProperties": false
}{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"bonuses"
],
"properties": {
"bonuses": {
"type": "array",
"items": {
"type": "object",
"required": [
"id",
"bank_or_issuer",
"product_name",
"bonus_type",
"bonus_amount_usd",
"bonus_max_usd",
"bonus_points",
"annual_fee_usd",
"bt_intro_apr_pct",
"bt_intro_months",
"bt_fee_pct",
"bt_fee_min_usd",
"requirements",
"min_deposit_usd",
"direct_deposit_required",
"expiry_date",
"states_available",
"application_url",
"source_url",
"last_verified_date",
"offer_history",
"verification",
"status",
"eligibility",
"sponsored",
"apply_url",
"disclosure_url"
],
"properties": {
"id": {
"type": "string"
},
"status": {
"enum": [
"active",
"expired",
"needs_review"
],
"type": "string"
},
"apply_url": {
"type": [
"string",
"null"
]
},
"sponsored": {
"type": "boolean"
},
"bonus_type": {
"enum": [
"bank_account",
"credit_card",
"savings",
"brokerage"
],
"type": "string"
},
"bt_fee_pct": {
"type": [
"number",
"null"
]
},
"source_url": {
"type": [
"string",
"null"
]
},
"eligibility": {
"anyOf": [
{
"type": "object",
"required": [
"new_to_bank",
"once_per_lifetime",
"cooldown_months",
"issuer_rules"
],
"properties": {
"new_to_bank": {
"type": [
"boolean",
"null"
]
},
"issuer_rules": {
"type": "array",
"items": {
"type": "string"
}
},
"cooldown_months": {
"type": [
"number",
"null"
]
},
"once_per_lifetime": {
"type": [
"boolean",
"null"
]
}
},
"additionalProperties": false
},
{
"type": "null"
}
]
},
"expiry_date": {
"type": [
"string",
"null"
]
},
"bonus_points": {
"type": [
"number",
"null"
]
},
"product_name": {
"type": "string"
},
"requirements": {
"type": "array",
"items": {
"type": "string"
}
},
"verification": {
"anyOf": [
{
"type": "object",
"required": [
"method",
"verified_at",
"sources"
],
"properties": {
"method": {
"enum": [
"issuer_page",
"aggregator_consensus"
],
"type": "string"
},
"sources": {
"type": "array",
"items": {
"type": "string"
}
},
"verified_at": {
"type": "string"
}
},
"additionalProperties": false
},
{
"type": "null"
}
]
},
"bonus_max_usd": {
"type": [
"number",
"null"
]
},
"offer_history": {
"type": "array",
"items": {
"type": "object",
"required": [
"amount_usd",
"valid_from",
"valid_to"
],
"properties": {
"valid_to": {
"type": [
"string",
"null"
]
},
"amount_usd": {
"type": "number"
},
"valid_from": {
"type": [
"string",
"null"
]
}
},
"additionalProperties": false
}
},
"annual_fee_usd": {
"type": [
"number",
"null"
]
},
"bank_or_issuer": {
"type": "string"
},
"bt_fee_min_usd": {
"type": [
"number",
"null"
]
},
"disclosure_url": {
"type": "string"
},
"application_url": {
"type": [
"string",
"null"
]
},
"bt_intro_months": {
"type": [
"number",
"null"
]
},
"min_deposit_usd": {
"type": [
"number",
"null"
]
},
"bonus_amount_usd": {
"type": "number"
},
"bt_intro_apr_pct": {
"type": [
"number",
"null"
]
},
"states_available": {
"anyOf": [
{
"type": "string"
},
{
"type": "array",
"items": {
"type": "string"
}
}
]
},
"last_verified_date": {
"type": [
"string",
"null"
]
},
"direct_deposit_required": {
"type": "boolean"
}
},
"additionalProperties": false
}
}
},
"additionalProperties": false
}{
"readOnlyHint": true,
"openWorldHint": true,
"destructiveHint": false
}compare_bonuses — Compare 2-4 bonuses side by side
Use when a user is choosing between specific offers. Returns each offer's key fields plus a summary naming the highest bonus and the earliest expiry.
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"ids"
],
"properties": {
"ids": {
"type": "array",
"items": {
"type": "string"
},
"maxItems": 4,
"minItems": 2,
"description": "2 to 4 bonus ids to compare, e.g. ['chase-total-checking-400', 'sofi-checking-savings-400']."
}
},
"additionalProperties": false
}{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"bonuses",
"summary"
],
"properties": {
"bonuses": {
"type": "array",
"items": {
"type": "object",
"required": [
"id",
"bank_or_issuer",
"product_name",
"bonus_type",
"bonus_amount_usd",
"bonus_max_usd",
"bonus_points",
"annual_fee_usd",
"bt_intro_apr_pct",
"bt_intro_months",
"bt_fee_pct",
"bt_fee_min_usd",
"requirements",
"min_deposit_usd",
"direct_deposit_required",
"expiry_date",
"states_available",
"application_url",
"source_url",
"last_verified_date",
"offer_history",
"verification",
"status",
"eligibility",
"sponsored",
"apply_url",
"disclosure_url"
],
"properties": {
"id": {
"type": "string"
},
"status": {
"enum": [
"active",
"expired",
"needs_review"
],
"type": "string"
},
"apply_url": {
"type": [
"string",
"null"
]
},
"sponsored": {
"type": "boolean"
},
"bonus_type": {
"enum": [
"bank_account",
"credit_card",
"savings",
"brokerage"
],
"type": "string"
},
"bt_fee_pct": {
"type": [
"number",
"null"
]
},
"source_url": {
"type": [
"string",
"null"
]
},
"eligibility": {
"anyOf": [
{
"type": "object",
"required": [
"new_to_bank",
"once_per_lifetime",
"cooldown_months",
"issuer_rules"
],
"properties": {
"new_to_bank": {
"type": [
"boolean",
"null"
]
},
"issuer_rules": {
"type": "array",
"items": {
"type": "string"
}
},
"cooldown_months": {
"type": [
"number",
"null"
]
},
"once_per_lifetime": {
"type": [
"boolean",
"null"
]
}
},
"additionalProperties": false
},
{
"type": "null"
}
]
},
"expiry_date": {
"type": [
"string",
"null"
]
},
"bonus_points": {
"type": [
"number",
"null"
]
},
"product_name": {
"type": "string"
},
"requirements": {
"type": "array",
"items": {
"type": "string"
}
},
"verification": {
"anyOf": [
{
"type": "object",
"required": [
"method",
"verified_at",
"sources"
],
"properties": {
"method": {
"enum": [
"issuer_page",
"aggregator_consensus"
],
"type": "string"
},
"sources": {
"type": "array",
"items": {
"type": "string"
}
},
"verified_at": {
"type": "string"
}
},
"additionalProperties": false
},
{
"type": "null"
}
]
},
"bonus_max_usd": {
"type": [
"number",
"null"
]
},
"offer_history": {
"type": "array",
"items": {
"type": "object",
"required": [
"amount_usd",
"valid_from",
"valid_to"
],
"properties": {
"valid_to": {
"type": [
"string",
"null"
]
},
"amount_usd": {
"type": "number"
},
"valid_from": {
"type": [
"string",
"null"
]
}
},
"additionalProperties": false
}
},
"annual_fee_usd": {
"type": [
"number",
"null"
]
},
"bank_or_issuer": {
"type": "string"
},
"bt_fee_min_usd": {
"type": [
"number",
"null"
]
},
"disclosure_url": {
"type": "string"
},
"application_url": {
"type": [
"string",
"null"
]
},
"bt_intro_months": {
"type": [
"number",
"null"
]
},
"min_deposit_usd": {
"type": [
"number",
"null"
]
},
"bonus_amount_usd": {
"type": "number"
},
"bt_intro_apr_pct": {
"type": [
"number",
"null"
]
},
"states_available": {
"anyOf": [
{
"type": "string"
},
{
"type": "array",
"items": {
"type": "string"
}
}
]
},
"last_verified_date": {
"type": [
"string",
"null"
]
},
"direct_deposit_required": {
"type": "boolean"
}
},
"additionalProperties": false
}
},
"summary": {
"type": "object",
"required": [
"highest_bonus_usd",
"earliest_expiry"
],
"properties": {
"earliest_expiry": {
"type": [
"string",
"null"
]
},
"highest_bonus_usd": {
"type": "string"
}
},
"additionalProperties": false
}
},
"additionalProperties": false
}{
"readOnlyHint": true,
"openWorldHint": true,
"destructiveHint": false
}benefits_api_docs — Read this server's documentation
Use when you need field definitions, ordering guarantees or the error format before calling another tool.
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"properties": {}
}{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"docs"
],
"properties": {
"docs": {
"type": "string"
}
},
"additionalProperties": false
}{
"readOnlyHint": true,
"openWorldHint": true,
"destructiveHint": false
}benefits_examples — Get runnable example calls
Use to copy a working example call instead of guessing tool arguments.
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"properties": {}
}{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"examples"
],
"properties": {
"examples": {
"type": "array",
"items": {
"type": "object",
"required": [
"title",
"tool",
"arguments"
],
"properties": {
"tool": {
"type": "string"
},
"title": {
"type": "string"
},
"arguments": {
"type": "object",
"additionalProperties": {}
}
},
"additionalProperties": false
}
}
},
"additionalProperties": false
}{
"readOnlyHint": true,
"openWorldHint": true,
"destructiveHint": false
}Prompts
Not advertised
Resources
1 advertised
benefits-skill
How to finish the job with Benefits City
skill://benefits-city/benefits-city/SKILL.md30-day availability
Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.
- Successful checks
- 1 of 1 (100%)
- Average latency
- 1132 ms
- 95th percentile latency
- 1132 ms
Maintenance history
Public check and source-refresh events. Editorial and ownership records remain private.
- · probe · passed · 1132 ms · metadata changed · 6 tool(s), 1 resource(s), 0 resource template(s)
Connect from your client
Each snippet registers the same endpoint; pick the client you use.
Claude Code
claude mcp add --transport http benefits-city-mcp https://aiagentscity.com/benefits/mcpCodex
codex mcp add benefits-city-mcp --url https://aiagentscity.com/benefits/mcpCursor
{
"mcpServers": {
"benefits-city-mcp": {
"url": "https://aiagentscity.com/benefits/mcp"
}
}
}Cline
{
"mcpServers": {
"benefits-city-mcp": {
"type": "streamableHttp",
"url": "https://aiagentscity.com/benefits/mcp",
"disabled": false
}
}
}VS Code
{
"servers": {
"benefits-city-mcp": {
"type": "http",
"url": "https://aiagentscity.com/benefits/mcp"
}
}
}Gemini CLI
gemini mcp add --transport http benefits-city-mcp https://aiagentscity.com/benefits/mcpClaude Desktop
https://aiagentscity.com/benefits/mcpWindsurf
{
"mcpServers": {
"benefits-city-mcp": {
"serverUrl": "https://aiagentscity.com/benefits/mcp"
}
}
}Let your agent find its tools
Find servers like Benefits City MCP from your agent. Add Koskamo once to search the index for endpoints, access requirements, and client setup. Public discovery needs no key.