# Points or Cash Muse connector

From musedirectory.ai, the independent directory of Meta Muse connectors. Not affiliated with Meta.

## Points or Cash

Tells you whether to use points or pay cash for a trip, with transfer partners, award prices and lounge access.

- Record: https://musedirectory.ai/connector/points-or-cash
- Category: Travel
- Developer: pointsorcash.app (https://pointsorcash.app/mcp-server)
- Muse status: Extra setup. Not in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
- Health: Working, 417ms, checked 2026-11-03T16:46:18Z
- Endpoint: https://pointsorcash.app/mcp
- Auth: No account needed; Pricing: unknown
- Screening: Screened, no issues found (2026-11-03T16:46:18Z)
- Source: Found in the official MCP Registry (app.pointsorcash/points-or-cash) https://registry.modelcontextprotocol.io/v0/servers?search=app.pointsorcash%2Fpoints-or-cash

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.

Example request: "Should I use my Amex points or pay cash for a business class flight from Toronto to Tokyo, and which lounges can I use?"

How to connect: 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.

Tools:
- 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 
- 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
- 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 Fly
- 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 
- 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 Brusse

Screening checks:
- MCP handshake: pass (Answered in 417ms)
- Domain against threat feeds (Cloudflare security DNS): pass (pointsorcash.app not flagged)
- Published packages against the OSV malicious-package database: n/a (No npm or PyPI package published)
- Hidden instructions or invisible characters in tool text: pass (5 tools read, nothing found)
- Inputs asking for passwords, card numbers or seed phrases: pass (None found)
- Domain and redirects: pass (No redirects off the domain)
- AI review of purpose and tool behavior: pass (No concerns)