# Points or Cash (remote · pointsorcash.app)

Use points or pay cash? Cents-per-point verdicts, transfer partners, award prices, lounges.

- Trust score: 71/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `pointsorcash.app`: 71/100 (this document), [markdown](https://verifymcp.io/servers/app-pointsorcash-points-or-cash/pointsorcash.md), [page](https://verifymcp.io/servers/app-pointsorcash-points-or-cash/pointsorcash)

## Channel facts

- Endpoint: `https://pointsorcash.app/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.1.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 80/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 73/100
  - 100% of prompts and resources have a non-trivial description (not blank, and not just the item's name).
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 1419 tokens (~236/item across 6 items; 5 tools + 1 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 7/100
  - Stability observed for 2 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 95/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 85% of tool parameters carry a description.
- **Tool Safety**: 75/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - 0 of 1 tool(s) whose name or description implies an irreversible operation declare an MCP destructiveHint annotation; "transfer_options" implies "transfer" and declares readOnlyHint instead, contradicting what its own name says it does.
  - An AI judge read all 7 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 73/100
  - Spec-recency check failed: implements MCP spec 2025-06-18; the latest is 2026-07-28.
  - Supports UI / widget rendering.

## Install

### How do I install the Points or Cash MCP server?

Points or Cash is a hosted endpoint at https://pointsorcash.app/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http app-pointsorcash-points-or-cash 'https://pointsorcash.app/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "app-pointsorcash-points-or-cash": {
      "url": "https://pointsorcash.app/mcp"
    }
  }
}
```

### VS Code

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

### Codex

```toml
[mcp_servers.app-pointsorcash-points-or-cash]
url = "https://pointsorcash.app/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "app-pointsorcash-points-or-cash": {
      "type": "remote",
      "url": "https://pointsorcash.app/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add app-pointsorcash-points-or-cash --url 'https://pointsorcash.app/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  app-pointsorcash-points-or-cash:
    url: "https://pointsorcash.app/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "app-pointsorcash-points-or-cash": {
      "Transport": "http",
      "Url": "https://pointsorcash.app/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add app-pointsorcash-points-or-cash -t streamable-http -u 'https://pointsorcash.app/mcp'
```

### Other

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

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-04 (score 71, +1)

- [functional improvement] Stability: unverified → 0.03

### 2026-11-03 (score 70)

First indexed and scored.

## MCP tools (5)

### `transfer_options` (~342 tokens)

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 bonuses are not included). Pass the traveler's balances.

Input parameters:

- `balances` (array, required): The traveler's bank point balances, e.g. [{"bank":"amex_mr","points":250000}]. amex_mr means a US-issued Amex; for an Amex issued elsewhere use the country key (amex_mr_be/_nl/_uk/_fr/_de/_es/_it/_se…
- `miles_needed` (required): Miles the award costs, to check whether the balances cover it; null if unknown
- `target_programs` (array, required): Program slugs, e.g. ["aeroplan","flyingblue","virginatlantic","ana","hyatt"]. Empty array = list every partner reachable from the balances.

### `award_chart` (~151 tokens)

Award prices

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 estimates with an as_of date; dynamic programs vary.

Input parameters:

- `cabin` (string, required)
- `market` (string, required): us_ = from the US, eu_ = from Europe. *_north_asia = Japan/Korea/China/HK/Taiwan; eu_middle_east includes North and Central Africa; eu_africa = southern Africa
- `programs` (array, required): Program slugs to look up; empty array = all programs with a price for this market

### `points_value` (~230 tokens)

Points or cash verdict

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 traveler's transfer ratio (e.g. Belgian Amex to Flying Blue is 2:1) and any active bonus, and judges the value per bank point spent. Call it for every award you compare, rather than doing the maths yourself.

Input parameters:

- `cash_back_pct` (required): Cash/crypto back % the traveler would earn paying cash (e.g. 4 for a 4% card). Null if unknown.
- `currency` (string, required): Currency of all prices, e.g. "EUR", "USD", "GBP". Cash fare and award fees must be in the same currency; convert first if they differ.
- `options` (array, required)
- `points_per_unit_paying_cash` (required): Card points earned per dollar/euro on the cash fare (e.g. 5 for Amex Platinum on flights). Null if unknown.

### `cashback_cards` (~129 tokens)

Cash-back 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, caps and how rewards pay out. Use when the traveler pays cash with one of these cards, to value the cash option (cash back earned) and to pass cash_back_pct to points_value.

Input parameters:

- `cards` (array, required): Card slugs or names, e.g. ["coinbase_one_card"]; empty array = all cards

### `lounges` (~317 tokens)

Lounge access

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 elite). Covers 214 airports, including Brussels and the main European and Asian hubs, with access by ticket, status, Priority Pass and cards by issuing country. Use it when planning the full journey, after the flights are decided or when the traveler asks about lounges. Card rules change often; the data has an as_of date and verified flags.

Input parameters:

- `airports` (array, required): IATA codes in travel order, e.g. ["SFO","SEA","HND"]
- `cards` (array, required): Lounge-relevant cards the traveler holds, as slugs. US-issued: amex_platinum, amex_business_platinum, amex_centurion_card, chase_sapphire_reserve, capital_one_venture_x, citi_strata_elite, citi_aadva…

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/app-pointsorcash-points-or-cash/pointsorcash#diagnostics

## Score history

- 2026-11-05: 71
- 2026-11-04: 71
- 2026-11-03: 70

## Common questions

### What is the Points or Cash MCP server?

Points or Cash is an MCP server listed in the public MCP registry as app.pointsorcash/points-or-cash. Use points or pay cash? Cents-per-point verdicts, transfer partners, award prices, lounges. This page covers its hosted endpoint (https://pointsorcash.app/mcp).

### Is the Points or Cash MCP server safe to use?

Points or Cash scores 71 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the Points or Cash MCP server expose?

Points or Cash exposes 5 tools: transfer_options, award_chart, points_value, cashback_cards, lounges. Their descriptions and schemas cost roughly 1,169 tokens of context every time the server is loaded.

### Does the Points or Cash MCP server require authentication?

No. We connected to Points or Cash without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the Points or Cash MCP server still maintained?

Points or Cash is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://pointsorcash.app/mcp
- Website: https://pointsorcash.app/mcp-server
- Changelog RSS feed: https://verifymcp.io/servers/app-pointsorcash-points-or-cash/pointsorcash.xml
- Changelog JSON feed: https://verifymcp.io/servers/app-pointsorcash-points-or-cash/pointsorcash.json
- HTML version of this page: https://verifymcp.io/servers/app-pointsorcash-points-or-cash/pointsorcash