Prerequisites
Elite Subscription
MCP requires a RewardSmart Elite plan. Upgrade here →
API Token
Generate in the RewardSmart app under Settings → Integrations → MCP Access.
Windsurf Editor
Download from codeium.com/windsurf. MCP support is available in Windsurf 1.0+.
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 Windsurf MCP config file
Windsurf stores its MCP configuration at a global location. Open the file in a text editor — create it if it doesn't exist:
Path (macOS / Linux)~/.codeium/windsurf/mcp_config.jsonPath (Windows)%USERPROFILE%\.codeium\windsurf\mcp_config.jsonYou can also open it from Windsurf via Windsurf Settings → Cascade → MCP Servers → Edit Config.
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3
Add the RewardSmart MCP server
Add the following configuration. Replace
YOUR_TOKEN_HEREwith your API token.mcp_config.json{ "mcpServers": { "rewardsmart": { "command": "npx", "args": ["-y", "@rewardsmart/mcp-server"], "env": { "REWARDSMART_API_KEY": "YOUR_TOKEN_HERE" } } } }If the file already exists with other MCP servers, merge the"rewardsmart"block into the existing"mcpServers"object — don't create a duplicate key. -
4
Reload Windsurf
Save the config file and reload Windsurf. You can use Windsurf Settings → Cascade → MCP Servers → Refresh, or fully restart the editor.
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5
Test with Cascade
Open the Cascade AI chat panel. Look for the RewardSmart tool in the available tools list. Ask: "Which of my cards gives the best rewards at grocery stores?"
Cascade will call the RewardSmart MCP tool and return your personalized card recommendations.
What You Can Ask
Use Windsurf's Cascade AI to ask about your credit card rewards:
Troubleshooting
RewardSmart not appearing in Cascade tools
Check the config file path is correct and the JSON is valid. Use Windsurf Settings → Cascade → MCP Servers to see if the server appears and its status. A red indicator means it failed to start.
Server fails to start
Ensure Node.js 18+ is installed and npx is in your system PATH. Open the Windsurf terminal and run npx --version to verify. If it fails, install or reinstall Node.js.
Authentication error
Verify that your API token is correct and your Elite subscription is active. You can regenerate a token in the RewardSmart app at any time.
Config file location differs
Windsurf versions may vary the config path. If the default path doesn't work, check in Windsurf Settings for the exact MCP config file location specific to your version.