# Points or Cash

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

- name: app.pointsorcash/points-or-cash
- version: 1.1.0
- connection class: R0 (autonomous)
- trust: 83/100 flags: no-repository
- quality: 91/100 (strong)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/app.pointsorcash%2Fpoints-or-cash
- tools: https://api.protogrid.dev/v1/servers/app.pointsorcash%2Fpoints-or-cash/tools

**An agent can connect right now, no human step.** Remote endpoint, no authentication, reachable on the last probe.

## Connection (mcpServers)

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


## Trust

- hygiene: 80
- liveness: 100
- freshness: 100
- provenance: 55
- drivers: +dns-namespace +website +reachable +uptime-100% +updated-11d-ago -no-repository
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 91/100 (strong)

### protocol: 75 (weight 25)

- warn `protocol.modern`: newest supported version is 2025-06-18; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
- n/a `protocol.stateless`: only applies to 2026-07-28 servers
- pass `protocol.transport`: streamable HTTP
- n/a `protocol.list_ttl`: only applies to 2026-07-28 servers

### authorization: n/a (weight 15)

- n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth
- n/a `auth.secret_in_url`: no templated URL

### tool hygiene: 100 (weight 30)

- pass `tools.descriptions`: every tool has a description
- pass `tools.description_length`: descriptions are concise
- pass `tools.schemas`: every tool has an object input schema
- pass `tools.annotations`: 5 of 5 tools declare readOnlyHint or destructiveHint
- pass `tools.directory_hints`: every tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
- pass `tools.token_cost`: about 2,275 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump
- pass `tools.hidden_text`: no hidden text in tool names, descriptions, schemas or annotations

### stability: 100 (weight 15)

- pass `stability.changes`: 2 tool changes in 30 days
- pass `stability.rug_pull`: no tool changed its meaning under the same name
- pass `stability.new_links`: no tool change named a new site

### dependencies: n/a (weight 15)

- n/a `deps.known_vulns`, `deps.mcp_sdk_version`, `deps.resolvable`: no npm or PyPI package

- tools: 5, about 2,275 tokens to load them all
- tool set hash: 47d946226f4da16eebfa274ed610a8da
- tools last changed: 2026-11-06T01:26:20.010Z
- badge: [![protogrid quality](https://protogrid.dev/badge/app.pointsorcash/points-or-cash.svg)](https://protogrid.dev/servers/app.pointsorcash/points-or-cash)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

- 2026-11-06 `points_value` changed (inputSchema)
- 2026-11-06 `transfer_options` changed (inputSchema)

Full history: https://api.protogrid.dev/v1/servers/app.pointsorcash%2Fpoints-or-cash/changes

## Remotes

- https://pointsorcash.app/mcp (streamable-http, auth none, reachable true, uptime30d 1)

## Packages

_none_

## Tools (5)

- `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 estimates with an as_of date; dynamic programs vary.
- `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, 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.
- `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 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.
- `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 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.
- `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.