Prerequisites
Elite Subscription
MCP requires a RewardSmart Elite plan. Upgrade here →
API Token
Generate in the RewardSmart app under Settings → Integrations → MCP Access.
Cline Extension
Install from the VS Code Marketplace. Requires VS Code 1.84+.
Node.js 18+
Required to run the MCP server. Download from nodejs.org.
1 Setup Instructions
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1
Get your RewardSmart API token
Open the RewardSmart app. Go to Settings → Integrations → MCP Access and tap Generate Token. Copy the token.
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2
Open the Cline MCP settings
Click the Cline icon in the VS Code Activity Bar (left sidebar) to open the Cline panel. At the top of the Cline panel, click the MCP Servers button (server icon), then click Edit MCP Settings.
Alternatively, you can open the Cline MCP config directly. Cline stores it at the same path as Claude Desktop:~/Library/Application Support/Claude/claude_desktop_config.jsonon macOS, or%APPDATA%\Claude\claude_desktop_config.jsonon Windows. -
3
Add the RewardSmart MCP server
Choose your preferred method to add the server:
In the Cline MCP Servers panel, click + Add Server. Fill in the form:
Server Name
ValuerewardsmartCommand
ValuenpxArguments
Value-y @rewardsmart/mcp-serverEnvironment Variable: REWARDSMART_API_KEY
Paste your API token as the value.
Click Save to add the server.
Click Edit MCP Settings to open the JSON config. Add the following (replacing
YOUR_TOKEN_HERE):cline_mcp_settings.json{ "mcpServers": { "rewardsmart": { "command": "npx", "args": ["-y", "@rewardsmart/mcp-server"], "env": { "REWARDSMART_API_KEY": "YOUR_TOKEN_HERE" } } } } -
4
Enable the server
After adding, you'll see RewardSmart listed in the MCP Servers panel with a toggle. Make sure it's enabled (green toggle). The server will start automatically.
You should see a green indicator showing the server is connected. If it shows red or yellow, check the troubleshooting section below.
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5
Test in Cline chat
In the Cline chat, ask: "Which of my cards gives the best rewards at grocery stores?"
Cline will automatically call the RewardSmart MCP tool when your question is about credit card rewards.
Cline will respond with personalized recommendations based on your actual card wallet. You're all set!
What You Can Ask
Use Cline chat to ask about your credit card rewards while you code:
Troubleshooting
Server shows red/error status in Cline
Click the server in the MCP panel to see the error log. Common causes: Node.js not installed, invalid API token, or network connectivity issues. The log will show the exact error.
npx not found
Node.js 18+ must be installed. After installing Node.js, reload VS Code window (Cmd+Shift+P → Developer: Reload Window). If npx still isn't found, use its full path (run which npx in terminal to find it).
Authentication error from RewardSmart
Double-check your API token is correct and hasn't expired. Regenerate a token in the RewardSmart app under Settings → Integrations → MCP Access.
Cline doesn't call the RewardSmart tool
Make sure the server is enabled (green toggle in MCP panel). If Cline isn't using it automatically, you can explicitly ask: "Use the RewardSmart tool to tell me which card to use at Target."
Can't find the MCP panel in Cline
Make sure you have Cline version 3.0+. Open the Cline sidebar and look for the server/plug icon at the top of the panel. If you don't see it, update Cline from the VS Code Extensions panel.