Ask an AI assistant whether to use your points or pay cash.

A read-only MCP server for Claude, ChatGPT and any MCP client. It knows which bank points (Amex, Chase, Capital One, Citi, Bilt, Wells Fargo, U.S. Bank, Rove Miles) reach which airline and hotel programmes and at what ratio, typical saver award prices, and the exact cents per point of an award against the cash fare, in any currency. It uses the transfer ratio for the country your card is from, counts the cash back and points you'd give up, and says pay cash when cash wins.

Connect it at https://pointsorcash.app/mcp. No account, no key. Award prices are typical saver levels, not live availability: confirm seats with the programme before you transfer, because transfers can't be undone.

• 5 tools: transfer_options, award_chart, points_value, cashback_cards, lounges
• Transfer partners and ratios for eight bank programmes, including active bonuses, and whether your balances cover an award
• Typical one-way saver award prices by programme, market and cabin, with known sweet spots
• Cents per point for an award against the cash fare, in any currency
• Earn rates for cash-back and crypto cards, to value paying cash
• Airport lounges and which premium cards open them
• Every figure researched and dated
• Read-only: no account, no key, nothing books or transfers
• Works with Claude, ChatGPT and any MCP client (Streamable HTTP)

Free while in beta, with fair-use rate limits. No account or key.