New: Credits are here. One balance for web and MCP. See pricing

    Comparisons
    comparison
    ai coding tools
    claude code

    Cursor Rules vs Claude Skills vs AGENTS.md: AI Coding Config Files Compared

    Every major AI coding agent compared. Claude Code, Codex CLI, Cursor, Gemini CLI, GitHub Copilot, and emerging agents ranked on features, pricing, and compatibility.

    April 30, 20268 min read
    Share:

    The AI coding tools landscape has matured significantly. In 2024, the choice was basically Copilot or not. In 2026, there are over 20 capable agents, each with different strengths. Here's how the major ones compare.

    Quick Answer: All major AI agents like Claude Code, Codex CLI, and Gemini CLI, as well as IDE-based agents like Cursor and GitHub Copilot (Agent Mode), support SKILL.md. This allows for skill portability across different tools.

    Terminal-based agents

    Claude Code (Anthropic)

    The most mature terminal agent. Runs Claude Sonnet and Opus models with deep MCP integration, full SKILL.md support, and strong multi-file refactoring capabilities. Requires Claude Pro ($20/month) or API billing.

    Best for: complex refactoring, architectural work, teams standardized on Anthropic. Compare with Codex CLI →

    Codex CLI (OpenAI)

    OpenAI's terminal agent running GPT-4o and o3/o4-mini models. Fast, concise output with MCP and SKILL.md support. Free tier available.

    Best for: quick focused tasks, free access, OpenAI ecosystem users.

    Gemini CLI (Google)

    Google's entry with Gemini models and very long context windows. Strong Google Cloud integration, generous free tier, full SKILL.md support.

    Best for: large codebases, Google Cloud projects, cost-sensitive usage. Compare with Claude Code →

    Recommended skills

    skill-router-2

    by Mr Shippers · 3

    Automatically detect, load, and stack the perfect skills combo for any user requ…

    $5    Solo SaaS Architect

    Solo SaaS Architect

    by tudor.ai

    Automatically builds complete, launch-ready SaaS websites, databases, and secure…

    $5

    Solo SaaS Validation Stack

    by Zotri.11

    A production-grade 5-stage subagent dispatch chain to catch bugs and secure solo…

    $79
    Browse all Comparison skills

    IDE-based agents

    Cursor

    AI-native editor built on VS Code. Runs multiple model providers with a polished editing experience. Supports SKILL.md through project-level skills and MCP through the settings panel.

    Best for: developers who want AI deeply integrated into their editor rather than a separate terminal.

    GitHub Copilot (Agent Mode)

    Copilot's evolution from autocomplete to full agent capabilities. Runs inside VS Code with MCP support and SKILL.md compatibility through copilot-instructions.md.

    Best for: teams already paying for GitHub Enterprise, Microsoft ecosystem. MCP setup guide →

    Cline

    Open-source AI coding agent for VS Code. Supports MCP and SKILL.md with full transparency — you see exactly what the agent is doing at each step.

    Best for: developers who want maximum visibility into agent actions. MCP setup guide →

    Emerging agents

    Roo Code — fork of Cline with additional features and specialized modes for different task types (code, architect, debug).

    Goose — Block's open-source agent with strong MCP support, multi-session memory, and plugin architecture.

    Amp — Sourcegraph's agent with deep code intelligence and cross-repository understanding.

    Kiro — AWS's AI coding agent with spec-driven development and built-in hooks for requirements-to-code workflows.

    Augment — Enterprise-focused agent with team collaboration, shared context, and organizational memory.

    OpenCode — Open-source terminal agent with Vim-style keybindings and minimal resource usage.

    Cross-cutting comparison

    SKILL.md support

    All major agents now support SKILL.md. Skills installed from Agensi work across Claude Code, Codex CLI, Cursor, Gemini CLI, Copilot (agent mode), Cline, Roo Code, Goose, and more. This portability means your investment in skills isn't locked to one tool.

    MCP support

    MCP is universally supported across every agent on this list. The maturity varies — Claude Code has the most battle-tested implementation — but the protocol is the same everywhere. An MCP server configured for one agent works with all others.

    Pricing

    Free tiers: Codex CLI, Gemini CLI, Cline, Roo Code, Goose, OpenCode. Subscription: Copilot ($10-19/month), Claude Code ($20/month via Claude Pro), Cursor ($20/month). For professional daily use, expect $15-40/month.

    Context handling

    Gemini CLI leads on raw context window size. Claude Code leads on context efficiency — it loads less but uses it better. Cursor and Copilot manage context through their IDE integration, pulling in open files and workspace context automatically.

    How to choose

    If you're starting fresh, try Claude Code or Codex CLI — they're the most capable terminal agents. If you prefer staying in your editor, Cursor or Copilot Agent Mode are strongest.

    The best strategy is using multiple agents. Since SKILL.md skills and MCP servers work across all of them, you can switch based on the task. Install the same skills from Agensi across all your agents and pick the right tool for each job.

    Frequently Asked Questions