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Points Value

Value your own loyalty points in cents — compare redemptions with real methodology, no stale rates

Unify Dynamics LLC

Documentation
Tools10read-only
Sign-inNoneno account, no key
Data keptNoneprocessed in memory
PriceFreeoptional Pro limits
StatusLiveMCP + REST
Works withMCP · RESTany agent

Try asking

Real questions, and the tools your agent calls to answer them.

Is 25,000 points for a $400 flight a good redemption?
Tools called
cents_per_point
Which of these three redemptions is the best value?
Tools called
compare_redemptions
Should I pay cash or points for this $400 hotel stay that costs 25,000 points?
Tools called
cash_vs_points
Is transferring 60,000 points to this partner with a 30% bonus worth it?
Tools called
transfer_value
What's my effective cash-back rate if I earn 20,000 points on $1,000 spent?
Tools called
earn_rate_value
Does a $95 annual fee pay for itself if I get $150 of value a year?
Tools called
annual_fee_breakeven
The price went from 25,000 to 35,000 points for the same reward — how much value did I lose?
Tools called
devaluation_impact
How do I even value my points?
Tools called
methodology_guide
What's an award chart?
Tools called
glossary

About

Pointsvalue is a fully local, program-agnostic methodology for valuing loyalty and rewards points — it deliberately bundles no real named program's current point values or award charts, because those are set unilaterally and change constantly. Every tool works from numbers you supply about your own program. cents_per_point computes the standard cents-per-point (CPP) value of one redemption. compare_redemptions ranks several of your own redemption options to find the best value. cash_vs_points decides whether to pay cash or points for a specific purchase against your own baseline CPP. transfer_value computes the effective CPP on your original points after a transfer to a partner program at a given ratio and bonus. earn_rate_value turns an earn rate and assumed redemption value into an effective cash-back percentage. annual_fee_breakeven checks whether a program's fee pays for itself given the value you actually extract. devaluation_impact quantifies how many extra points a devaluation now costs you and the resulting value lost. points_needed_for_goal computes points required for a target redemption value at a chosen CPP. methodology_guide explains the framework, rough quality bands, and pitfalls like fees on 'free' awards, blackout dates, expiry and devaluations; glossary defines terms like transfer partner, elite status, award chart and breakage.

Sources: Fully local computation from numbers you supply, using the standard cents-per-point (CPP) valuation framework used by independent rewards/travel writers. No real loyalty or rewards program's current point values, transfer ratios or award charts are bundled — plug in your own program's current numbers each time. Zero upstream calls.

Privacy

The publisher, Unify Dynamics LLC, states that tool inputs are processed in memory and not retained.

Data not collectedNo account, no profile, no stored prompts or results.
Privacy policyTerms

What it can do

10 tools, grouped by job. Every one is read-only or compute-only.

OpenAPI
Value a redemption3 tools
  • Cents per pointThe cents-per-point (CPP) value of one redemption: cash value ÷ points used, in cents, with a rough quality band.
  • Compare redemptionsRanks several of your own redemption options by cents-per-point to find the best value among them, with the gap between best and worst.
  • Cash vs pointsWhether to pay cash or points for one specific purchase: computes the implied CPP of using points here and compares it to your own baseline CPP…
Transfers & earning3 tools
  • Transfer valueThe effective cents-per-point on your ORIGINAL points after transferring to a partner program at a given ratio and bonus, then redeeming there at…
  • Earn rate valueTurns an earn rate (points per dollar spent) plus your assumed redemption value into an effective cash-back percentage for that spend.
  • Annual fee breakevenWhether a program's annual fee pays for itself, given the cash value you actually extract from it in a year.
Changes & goals2 tools
  • Devaluation impactQuantifies how a program devaluation (or improvement) — requiring a different number of points for the same reward — changes your cents-per-point…
  • Points needed for goalHow many points you'd need to reach a target redemption value at a chosen cents-per-point.
Reference2 tools
  • Methodology guideExplains the cents-per-point (CPP) valuation framework, how to use it to compare redemptions, rough quality bands, and common pitfalls (fees/taxes…
  • GlossaryDefinitions of loyalty-program terms — cents per point, devaluation, transfer partner, elite status, award chart, fuel surcharge, breakage,…

Information

PublisherUnify Dynamics LLC
CategoryEveryday life · Money & business
LanguagesEnglish
Built forGlobal (program-agnostic)
CompatibilityAny MCP client · any agent · REST
Version0.1.0
MCP endpointhttps://pointsvalue.connectorbay.com/mcp
REST APIopenapi.json
SupportGet help · Status
CountryWorldwide

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Documentation

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What Pointsvalue is for

"Is 25,000 points for a $400 flight a good deal?", "which redemption should I pick?", "is this transfer bonus worth it?", "does my card's annual fee pay for itself?" — a program-agnostic methodology for valuing loyalty and rewards points, built entirely from numbers you supply about your own program.

What it does

Every tool here uses the standard cents-per-point (CPP) framework — cash value of a redemption divided by points used — the same yardstick independent rewards and travel writers use to compare wildly different loyalty currencies on one scale. cents_per_point computes the CPP for one redemption with a rough quality band. compare_redemptions ranks 2-20 of your own redemption options to find the best value among them. cash_vs_points decides whether to pay cash or points for a specific purchase against your own baseline CPP for the program. transfer_value computes the effective CPP on your original points after transferring to a partner program at a stated ratio and bonus, so you can see whether the transfer itself is worth it. earn_rate_value turns an earn rate (points per dollar spent) plus your assumed redemption value into an effective cash-back percentage. annual_fee_breakeven checks whether a program's annual fee pays for itself given the value you actually extract in a year. devaluation_impact quantifies exactly how many extra points a devaluation now requires and the value lost, or the improvement from a positive change. points_needed_for_goal computes points required to reach a target redemption value at a chosen CPP. methodology_guide explains the framework, rough CPP quality bands, and the pitfalls that trip people up — fees and taxes on "free" awards, blackout dates, expiry, and devaluations. glossary defines terms like transfer partner, elite status, award chart, breakage and signup bonus.

What it is not

Not a database of any real named loyalty or rewards program's current point values, transfer ratios or award charts — those are set unilaterally by each program and change, sometimes overnight, so none are bundled here. Every calculation runs on the numbers you provide about your own program, which stay accurate regardless of what any program changes next.

Privacy policy

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Pointsvalue — Privacy Policy

Effective 25 September 2026. Unify Dynamics LLC ("we", "us"), Menlo Park, California.

What Pointsvalue is. Pointsvalue is a connector (an MCP server and REST API) that AI assistants and personal agents call on your behalf for a fully local, program-agnostic loyalty-points valuation methodology — cents-per-point calculations, redemption comparisons, transfer and earn-rate math, annual-fee breakeven, devaluation impact, a methodology guide and a glossary. You interact with your assistant; the assistant sends us only the arguments needed for that one calculation.

What we receive. The arguments of each tool call — dollar amounts, point counts, transfer ratios, a bonus percentage, or a glossary term you ask about — the technical headers needed to serve the request (an IP address or a client identifier supplied by the assistant, and a Pro API key if you have one), and standard server logs. We do not ask for or need to know which real loyalty program any of these numbers belong to.

Everything is computed locally and nothing is stored. No request is forwarded to any third party — there is no upstream call at all — and no query is logged in request bodies, recorded, or used to train anything. The dollar amounts and point counts you supply are used only to compute that one response.

What we do not receive or store. We do not receive your conversation with the assistant, your name, or any account or program identifier, and we do not build a profile from your queries: each request is answered independently and nothing carries over between requests. Rate-limit counters (a client identifier and timestamps) are held in memory for at most 24 hours. Hosting-provider access logs, which contain IP addresses and request paths but not request bodies, are retained for up to 30 days for security and abuse prevention.

Sub-processors. None — every calculation runs locally on the server. Hosting: Vercel (United States regions).

Legal bases and your rights. Our processing is necessary to provide the service you request through your assistant. Because we store no personal data beyond short-lived logs, requests to access, correct or delete personal data are usually satisfied automatically; you can still contact agent@connectorbay.com and we will respond within 30 days. We do not sell or share personal information and do not use your data to train models.

Children. Pointsvalue is a general-audience service operated by the adult using the assistant.

Changes. We will post changes here with a new effective date.

Terms of service

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Pointsvalue — Terms of Service

Effective 25 September 2026. These terms govern use of the Pointsvalue connector ("the Service") operated by Unify Dynamics LLC ("we", "us").

  1. The Service. Pointsvalue returns a fully local, program-agnostic loyalty/rewards-points valuation methodology using the cents-per-point (CPP) framework, computed entirely from numbers you supply. It is accessed through an AI assistant or directly over MCP or HTTP.
  2. Not a database of any real program's rates. Pointsvalue bundles no real named loyalty or rewards program's current point values, transfer ratios, award charts or fees. All figures used in a calculation come from you; accuracy of the result depends entirely on the accuracy of what you enter, and on your own program's current terms, which you should verify directly with that program.
  3. Not financial advice. Output is general valuation methodology and arithmetic, not financial, tax or investment advice, and not a guarantee that any specific redemption, transfer or card will be advantageous for you.
  4. Acceptable use. Automated use within the published rate limits is welcome.
  5. Availability. The Service is provided "as is" without warranty. We may change, limit or discontinue it at any time.
  6. Data. Our Privacy Policy describes what we process. In short: your numbers are used only to compute one response, and nothing is stored.
  7. Pro keys. Optional Pro API keys are issued at our discretion, are personal to the holder and may be revoked for abuse.
  8. Liability. To the fullest extent permitted by law, Unify Dynamics LLC is not liable for any loss arising from a decision made using this Service's output, including a redemption, transfer, or card choice that turns out badly. Our total liability is limited to US $100.
  9. Governing law. California law; venue in San Mateo County, California.
  10. Contact. Unify Dynamics LLC · agent@connectorbay.com · https://connectorbay.com/pointsvalue

Support

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Points Value support

Email agent@connectorbay.com. We answer within two business days.

When you report a problem, include the question you asked your agent, roughly when, and which agent you used (for example Claude, ChatGPT or Gemini). Never send us passwords, account numbers or ID numbers. Points Value never asks for them.

Get Points Value

Free · No sign-in · Read-only

Streamable HTTP, stateless, no authentication. Paste the endpoint into any MCP-capable agent.

https://pointsvalue.connectorbay.com/mcp
{
  "mcpServers": {
    "pointsvalue": {
      "type": "http",
      "url": "https://pointsvalue.connectorbay.com/mcp"
    }
  }
}