QAmcp

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Directory / Points or Cash

Points or Cash

Q: Is Points or Cash MCP server safe?

QAmcp's test on 3 Nov 2026: None of the hidden-instruction wordings we know were found in its 5 tool descriptions. Its error messages showed no secrets or internal details. All 5 of its tools are labeled read-only. Overall it scored 89/100 on 3 Nov 2026. A test can only see what the server shows from outside, not what it does with your data behind the scenes. Connect servers from makers you trust.

by pointsorcash.app · https://pointsorcash.app/mcp

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

5 tools✓ all read-only✓ no account neededPricing: not listed

Visit website

89 /100

PASS · WITH NOTES

12 of 12 checks · 3 Nov 2026

Test it now for current results

At a glance

Runs where: On their server. What you send to it goes to them.
What you need: Nothing: it answered without a login
Tools: 5 tools
Its own safety labels: 5 read-only
Memory it takes: About 2,300 tokens of your AI's memory, just for its tool descriptions
Largest answer: About 23.2 KB in our test
Speed: Average answer in our test: 113 ms

Tokens are an estimate: the characters in its tool names, descriptions and inputs, divided by 4. The exact number depends on your AI model. Safety labels are what the server says about itself. From our latest test, 3 Nov 2026.

Is Points or Cash MCP server safe?

None of the hidden-instruction wordings we know were found in its 5 tool descriptions.
Its error messages showed no secrets or internal details.
All 5 of its tools are labeled read-only.
Overall it scored 89/100 on 3 Nov 2026.

A test can only see what the server shows from outside, not what it does with your data behind the scenes. Connect servers from makers you trust.

What this test does not check

Its source code and packages.
What a tool quietly does behind the scenes, such as writing a file or calling another service.
Instructions hidden inside live tool answers. We only look for those in tool descriptions.
Hidden instructions worded in a way our list doesn't know yet.
Tools that could change something. Those are read, never run.

What QAmcp can and can't see · How to tell if an MCP server is safe · Hidden instructions · Prompt injection

Known security advisories

It lists no public code, so there is nothing to look up in GitHub Security Advisories or OSV.dev. QAmcp tests how a server behaves. It does not scan source code.

What it can do

5 tools, in the server's own words.

transfer_optionsread-only

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.

award_chartread-only

Typical saver award prices (one-way) by program, market and cabin from a researched table, plus known sweet spots.

points_valueread-only

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.

cashback_cardsread-only

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 …

loungesread-only

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…

Test results

Safe mode: only tools labeled read-only were run. How the test works

!
Ready for the newest MCP version
1 warning
- !Uses an older MCP version (2025-06-18). It works today, but it isn't on the July 2026 version (2026-07-28) yet.
note
!
Every tool is described
1 warning
- !award_chart: Inputs with no description: cabin
note
!
Follows MCP best practices (not scored yet)
1 tip (not scored)
- !2 tools answer with structured data but don't declare its shape (outputSchema): cashback_cards, lounges. If those answers change shape, nothing can catch it; with a schema, every answer is checked.
note
✓
ConnectsConnected in 1.5 s
pass
✓
Lists its toolsFound 5 tools
pass
✓
Tools are labeled safe or dangerousEvery tool has a safety label
pass
✓
No known hidden instructionsNone of the hidden-instruction wordings we know were found in tool descriptions. New wordings can get past this check.
pass
✓
Tools work with good inputs
All good
- ✓award_chart: Worked (158 ms)
- ✓points_value: Answered with an error, probably because of our sample input: Invalid arguments: currency: Too big: expected string to have exactly 3 characters
- ✓cashback_cards: Worked (120 ms)
- ✓lounges: Worked (99 ms)
- –transfer_options: Not run: labeled read-only, but its name starts with "transfer", which usually means it changes something. Skipped to be safe: if it only reads, a clearer name helps AI apps too, or test again with --owner
pass
✓
Bad inputs give a clean error
All good
- ✓award_chart: Refused missing required input "market" with a clear error
- ✓award_chart: Refused wrong type for "market" with a clear error
- ✓points_value: Refused missing required input "currency" with a clear error
- ✓points_value: Refused wrong type for "currency" with a clear error
- ✓cashback_cards: Refused missing required input "cards" with a clear error
- ✓cashback_cards: Refused wrong type for "cards" with a clear error
- ✓lounges: Refused missing required input "airports" with a clear error
- ✓lounges: Refused wrong type for "airports" with a clear error
pass
✓
Fast enough
All good
- ✓Connecting took 1.5 s
- ✓Listing tools took 144 ms
- ✓Average tool answer: 113 ms
- ✓award_chart: Slowest tool: award_chart (158 ms)
pass
✓
No secrets leakedChecked 9 error messages: no secrets or internal details
pass
✓
Resources and prompts work
All good (1 resource)
- ✓Opened 1 of 1 resources
- ✓An address that does not exist gets a clean "not found" error
pass
–
Tools work togetherNo tool's answer could be fed into another tool, so there were no chains to test (not counted either way)
not tested

Test it yourself

Free and open source. Same checks, same score.

npx qamcp-cli https://pointsorcash.app/mcp

Show this score on GitHub

Free for every server in the directory. Paste this into your README: the badge shows the score from our latest test.

[![QAmcp score](https://qamcp.dev/s/app-pointsorcash-points-or-cash.svg)](https://qamcp.dev/s/app-pointsorcash-points-or-cash.html)

Score over time

3 Nov 202689

One test so far. New tests will show here.

Reviews

Coming soon: reviews from people who use Points or Cash, signed in with GitHub, one per person. Reviews never change the score.

Is this your server? Get an alert the moment it breaks.

QAmcp Monitor tests it every hour and emails you when it goes down, the score drops, a tool changes or a secret leaks. Free for 1 server, no card.

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