What is next-credit-card?

A travel credit-card comparison tool. It uses your spending, existing cards, goals and current welcome offers to suggest which card to consider next.

Use it to compare cards in your country, find cards for a spending category, check transfer partners, and estimate first-year value.

Choosing a card requires comparing annual fees, welcome bonuses, spending rewards and transfer partners. This puts those factors alongside the airline or hotel programme you want to use.

next-credit-card — Skill for Claude Code by AwardTravelFinder/mcp

Install

Getting it into your agent

One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.

Any agent

npx skills add AwardTravelFinder/mcp --skill next-credit-card

Clone the repo

git clone --depth 1 https://github.com/AwardTravelFinder/mcp

Made for: Claude Code.

Or install award-travel-finder, the plugin that ships this one along with the rest of its 17 skills, 2 commands, 1 MCP server.

Wrote this? Show the measurements

A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.

README.md

[![agentmods](https://agentmods.dev/badge/skills/awardtravelfinder/mcp/next-credit-card/github.svg)](https://agentmods.dev/skills/awardtravelfinder/mcp/next-credit-card)

Your own site

<a href="https://agentmods.dev/skills/awardtravelfinder/mcp/next-credit-card"><img src="https://agentmods.dev/badge/skills/awardtravelfinder/mcp/next-credit-card/github.svg" alt="Measured on agentmods" height="20"></a>

Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.

Your own site · 80×15

<a href="https://agentmods.dev/skills/awardtravelfinder/mcp/next-credit-card"><img src="https://agentmods.dev/badge/skills/awardtravelfinder/mcp/next-credit-card.svg" alt="Reviewed on agentmods" width="80" height="20"></a>

Per session 66 Skills are progressive disclosure: only the name and description are preloaded; the body loads when the skill is used.

When invoked 432 The whole file, excluding the scripts and references it only reads on demand.

Security scan A 0 findings. A grade says what 26 rules found in the file — not that it is safe.

Origin original No closer match found in the catalogue.

Token cost

What it costs to keep this loaded

Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.

Model	Per session	Once invoked
Fable 5.1	$0.00066	$0.00432
Opus 5.5	$0.00026	$0.00173
Sonnet 5.5	$0.00013	$0.00086
Haiku 4.5	$0.00007	$0.00043

Measured 1mo ago against content hash 3a193aa70426, method: parsed. Prices are Anthropic first-party input rates as of 2026-10-07, from the pricing page.

Security

Grade A, and why

next-credit-card scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 1mo ago.

A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.

Nothing flagged

None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.

skills/next-credit-card/SKILL.md · 42 lines

What it actually says

Choose my next credit card

The tools named below are on the Award Travel Finder MCP connector. If they are not available, tell the user to connect https://mcp.awardtravelfinder.com/mcp (setup: https://awardtravelfinder.com/developers/mcp).

1. Know the user

Read the portfolio preamble. Call list_points_balances for current currencies.
Ask only for what is unknown: country, current cards, monthly spend by category, and the goal.

2. Candidate cards

Call cards_rank_welcome_bonuses for the user's country.
Call cards_analyze_spending with the user's spend by category.
For a named category, call cards_find_cards_for_category.

3. Match to the goal

For a target airline, call cards_find_transfer_programs_for_airline.
Call cards_list_transfer_partners for each finalist.
Prefer a card that earns a currency the user already holds, so balances pool.

4. Compare finalists

Call cards_compare_cards for the top 2-3.
Call cards_list_changes to check for recent changes to those cards.
First-year value = welcome bonus x get_points_valuation value + first-year earn - annual fee.

Output format

Recommended card and why, in two lines.
Table: card, welcome bonus, annual fee, first-year value, key transfer partners.
Minimum spend and deadline.
One line on eligibility rules the user must check themselves.

Do not promise approval. Do not give financial advice beyond the travel-rewards math.

Changes

What this file has done since we first saw it

Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.

1mo ago First seen · 42 lines · 66 tokens per session scan A 3a193aa70426

Subscribe to this mod's changes

next-credit-card is a skill published in the GitHub repository AwardTravelFinder/mcp (12 stars, last pushed yesterday), licensed MIT. It adds 66 tokens to every session and 432 once invoked, about $0.0003 per session on Opus 5.5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-09-27.

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