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Points or Cash MCP server

Which MCP servers are Points or Cash's own, from the official registry and from asking its own domain, whether they answer, and what they offer. A program checked each of these, nobody copied them from a product page.

read 2026-11-03

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Whose server it is
  • Registry nameapp.pointsorcash/points-or-cashverified in the MCP registry

The registry name sits under pointsorcash.app. The registry only lets a publisher use that namespace after proving control of the domain through DNS or HTTP.

When we asked itchecked 2026-11-03
  • Stateanswerschecked 2026-11-03
  • Tools5
  • Server calls itselfpoints-or-cash
  • Server version1.0.0
  • Protocol version2025-06-18

On 2026-11-03 the server answered initialize and tools/list without a sign-in. First answer in 156 ms.

Should an agent connect itNot proven either way yet
  • Its tools do every use case we checked: compare cash fares with award prices in cents per point; check which card points transfer to which airline; find lounges open at each airport on a trip.
  • Checked on 2 of the 7 days it takes to judge reliability.

Once connected

  • For "compare cash fares with award prices in cents per point", the likely first call is points_value.
  • For "check which card points transfer to which airline", the likely first call is transfer_options.
  • For "find lounges open at each airport on a trip", the likely first call is lounges.
  • Parameters are untyped or undescribed in 2 of 5 tools: check arguments before calling.

Said by rules from the measurements above. The likely first call is a model's pick from the tool list; read its description before relying on it.

Measured dailydaily checks: 2, the first on 2026-11-03
  • INITE MCP scoreafter a weeka score needs 7 daily checks: 2 so far
  • What an agent can do with it3 of 3 use cases
  • Answeredmeasuring2 of the 7 daily checks it takes to print a share
  • Median first answer313 ms
  • Space in an agent's context≈ 2,183 tokensthe definitions of all its tools (5), which an agent carries on every turn
  • Tool definitionsA · 93 of 100
  • Typed results0 of 5 toolsdeclared outputSchema: results come typed, read once
  • Parameters without a description: in 2 of 5

What an agent can do with it

  • can do · compare cash fares with award prices in cents per point
  • can do · check which card points transfer to which airline
  • can do · find lounges open at each airport on a trip

Each of the product's use cases, put to Jev against this server's tool list: can an agent do it with these tools?

Worth a look

None of the five warning signs in these definitions.

A program checks the server once a day: initialize and tools/list, no model. Tokens are the definitions' length at about four characters a token. The grade averages six checks of every tool's name, description, schema and annotations; it says how well the tools are described, not whether they work. The score weighs what was measured and nothing else: answering (25%), doing the product's job (25%), definitions (20%), context (10%), use (10%) and how readily a client connects (10%). A part that was not measured is left out, and a hidden instruction caps the score at 40. The state of vendors' MCP servers: method and numbers →

Tools it offers5 tools · read 2026-11-03
  • transfer_options

    Which of the traveler's bank points can become miles/points in a target loyalty program, at what ratio, and how many they would end up with. Based on a researched transfer-partner table (has an as_of date; ratios change and transfer…

  • award_chart

    Typical saver award prices (one-way) by program, market and cabin from a researched table, plus known sweet spots. Use when live award search is unavailable, to shortlist programs, or to judge whether a live price is good. Prices are…

  • points_value

    Exact cents-per-point for an award vs the cash fare, in the trip currency: (cash − award fees − what paying cash would earn) ÷ points × 100. When the award is paid by transferring bank points, pass bank + program: it applies the…

  • cashback_cards

    Earn rates for crypto-cashback and flat-cashback cards (Coinbase One Card, Gemini, Crypto.com, Fold, Robinhood Gold, Citi Double Cash, Wells Fargo Active Cash and more): rate on airfare, hotels, travel portals and everything else, fees…

  • lounges

    Airport lounges for a journey: the lounges at each airport (origin, connections, destination) and which ones the traveler can use with their cards, plus access rules by ticket and status (business class, oneworld/Star Alliance/SkyTeam…

How to connect

Add the server to your MCP client config. Claude Desktop, Cursor and most other clients read this shape:

{
  "mcpServers": {
    "points-or-cash": {
      "type": "http",
      "url": "https://pointsorcash.app/mcp"
    }
  }
}

Add it

Claude Code, in a terminal

claude mcp add --transport http pointsorcash https://pointsorcash.app/mcp

Add to CursorAdd to VS Code

claude.ai, ChatGPT and other clients: add https://pointsorcash.app/mcp as a custom connector in the settings.

Each line is something a program found when it went looking: the registry entry, the server's own answer, a spec that parses. A missing line means we did not find it, not that it does not exist.