Points or Cash
Tells you whether to use points or pay cash for a trip, with transfer partners, award prices and lounge access.
Compares award flights and hotels against cash fares in cents per point. Checks which bank points can transfer to airline and hotel programs and at what ratio. Shows typical saver award prices, cashback card earn rates and airport lounges on a journey. Data comes from researched tables with as_of dates, so check current prices before booking.
Try asking Muse: "Should I use my Amex points or pay cash for a business class flight from Toronto to Tokyo, and which lounges can I use?"
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Source: Found in the official MCP Registry (app.pointsorcash/points-or-cash) · First listed November 3, 2026
Last 24 hours
Each bar is one check, every 15 minutes. Green means it answered. Last checked 54 min ago.
Is it safe to connect?
What Muse can see: It does not ask you to sign in, so it cannot see your accounts. It only sees what Muse sends it from your request.
Before it acts: Read what Muse plans to do before you approve it, and remove the app from Muse when you stop using it.
musedirectory.ai is not part of Meta. More about how Muse handles your information
How to add it to Muse
Not in Muse's Connectors list yet, but Muse can still use it. Copy the request below and paste it into Muse. Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
https://pointsorcash.app/mcpNot in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
Also use it in ChatGPT or Claude
Points or Cash is a remote MCP server, so any assistant that can add a custom connector by link can use it. Same link, same tools.
Add it to ChatGPT
- 1
Open ChatGPT settings
In ChatGPT, open Settings, then Connectors (called Apps & Connectors on some accounts).
- 2
Turn on developer mode
Under Advanced settings, switch on Developer mode. That is what lets you add a connector by link.
- 3
Create the connector
Choose Create, give it a name, paste the link as the MCP server URL, and save. If it needs a sign-in, ChatGPT asks for it here.
- 4
Use it in a chat
Start a chat, open the tools menu, pick the connector, and ask. ChatGPT asks before it runs a tool the first time.
Custom connectors need a paid ChatGPT plan, and on Team, Enterprise and Edu accounts only an admin can add them. Our "Working" label means the server answered us; it cannot tell whether your plan lets you add it. All connectors that work in ChatGPT
Add it to Claude
- 1
Open Claude settings
In Claude, open Settings, then Connectors.
- 2
Add a custom connector
Choose Add custom connector, give it a name, and paste the link.
- 3
Connect and use it
If it needs a sign-in, Claude sends you to it. Then turn the connector on in a chat from the tools menu and ask.
Custom connectors are available on paid Claude plans; on Team and Enterprise accounts an admin may need to add them. Our "Working" label means the server answered us; it cannot tell whether your plan lets you add it. All connectors that work in Claude
https://pointsorcash.app/mcpWhat people ask Muse to do
Technical details: safety screening, tools, response time and recent checks
Response time at the last check: 417ms. Worked in n/a of checks over 30 days.
Screening · November 3, 2026
Screened, no issues found
Screening looks for known threats and hidden instructions at the time of the check, and runs again weekly and whenever the tool list changes. It cannot see the server's code, so only connect what you need and review what Muse asks to do. How screening works.
Tools · 5
transfer_optionsWhich 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 award_chartTypical 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 programspoints_valueExact 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 Flycashback_cardsEarn 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 loungesAirport 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 BrusseLink
https://pointsorcash.app/mcpQuestions about Points or Cash in Muse
How do I connect Points or Cash to Muse?
Not in Muse's Connectors list yet, but Muse can still use it. Paste this into Muse: "Use Points or Cash to help me. It is a free service with an MCP server at https://pointsorcash.app/mcp. It does not need an API key. Ask me before you share anything with it." Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
Is Points or Cash working right now?
At the last check (November 3, 2026, 16:46 UTC) the endpoint was working, answering in 417ms. It is checked every 15 minutes.
Is Points or Cash safe to connect to Muse?
It was screened on November 3, 2026 with the result "screened, no issues found". Screening checks the domain against threat feeds and reads the tools for hidden instructions and requests for passwords or card numbers. It cannot see the server's code, so grant only the access you need.
What can Points or Cash do in Muse?
It exposes 5 tools, including transfer_options, award_chart, points_value, cashback_cards. For example, you could ask Muse: "Should I use my Amex points or pay cash for a business class flight from Toronto to Tokyo, and which lounges can I use?"
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This listing was added from public sources (Found in the official MCP Registry (app.pointsorcash/points-or-cash)). If you build Points or Cash, claim it to correct the details and get your badge.
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