diff --git a/codex-rs/rmcp-client/src/auth_status.rs b/codex-rs/rmcp-client/src/auth_status.rs
index 0b3b3bf6a..bef9edc6c 100644
--- a/codex-rs/rmcp-client/src/auth_status.rs
+++ b/codex-rs/rmcp-client/src/auth_status.rs
@@ -12,7 +12,8 @@ use reqwest::header::HeaderMap;
 use serde::Deserialize;
 use tracing::debug;
 
-use crate::oauth::has_oauth_tokens;
+use crate::oauth::StoredOAuthTokenStatus;
+use crate::oauth::oauth_token_status;
 use crate::utils::apply_default_headers;
 use crate::utils::build_default_headers;
 use codex_config::types::OAuthCredentialsStoreMode;
@@ -44,8 +45,12 @@ pub async fn determine_streamable_http_auth_status(
         return Ok(McpAuthStatus::BearerToken);
     }
 
-    if has_oauth_tokens(server_name, url, store_mode)? {
-        return Ok(McpAuthStatus::OAuth);
+    match oauth_token_status(server_name, url, store_mode)? {
+        StoredOAuthTokenStatus::Usable => return Ok(McpAuthStatus::OAuth),
+        StoredOAuthTokenStatus::AuthorizationRequired => {
+            return Ok(McpAuthStatus::NotLoggedIn);
+        }
+        StoredOAuthTokenStatus::Missing => {}
     }
 
     match discover_streamable_http_oauth_with_headers(url, &default_headers).await {
diff --git a/codex-rs/rmcp-client/src/oauth.rs b/codex-rs/rmcp-client/src/oauth.rs
index c34846079..574266027 100644
--- a/codex-rs/rmcp-client/src/oauth.rs
+++ b/codex-rs/rmcp-client/src/oauth.rs
@@ -76,6 +76,13 @@ impl PartialEq for WrappedOAuthTokenResponse {
     }
 }
 
+#[derive(Debug, PartialEq, Eq)]
+pub(crate) enum StoredOAuthTokenStatus {
+    Missing,
+    Usable,
+    AuthorizationRequired,
+}
+
 pub(crate) fn load_oauth_tokens(
     server_name: &str,
     url: &str,
@@ -94,12 +101,33 @@ pub(crate) fn load_oauth_tokens(
     }
 }
 
-pub(crate) fn has_oauth_tokens(
+pub(crate) fn oauth_token_status(
     server_name: &str,
     url: &str,
     store_mode: OAuthCredentialsStoreMode,
-) -> Result<bool> {
-    Ok(load_oauth_tokens(server_name, url, store_mode)?.is_some())
+) -> Result<StoredOAuthTokenStatus> {
+    Ok(
+        match load_oauth_tokens(server_name, url, store_mode)?.as_ref() {
+            None => StoredOAuthTokenStatus::Missing,
+            Some(tokens) if oauth_tokens_are_usable(tokens) => StoredOAuthTokenStatus::Usable,
+            Some(_) => StoredOAuthTokenStatus::AuthorizationRequired,
+        },
+    )
+}
+
+fn oauth_tokens_are_usable(tokens: &StoredOAuthTokens) -> bool {
+    if tokens.client_id.trim().is_empty() {
+        return false;
+    }
+
+    let token_response = &tokens.token_response.0;
+    if token_needs_refresh(tokens.expires_at) {
+        return token_response
+            .refresh_token()
+            .is_some_and(|token| !token.secret().trim().is_empty());
+    }
+
+    !token_response.access_token().secret().trim().is_empty()
 }
 
 fn refresh_expires_in_from_timestamp(tokens: &mut StoredOAuthTokens) {
@@ -852,6 +880,84 @@ mod tests {
         assert_eq!(tokens.token_response.0.expires_in(), Some(Duration::ZERO));
     }
 
+    #[test]
+    fn oauth_tokens_are_usable_when_expiry_is_unknown() {
+        let mut tokens = sample_tokens();
+        tokens.expires_at = None;
+        tokens.token_response.0.set_refresh_token(None);
+
+        assert!(super::oauth_tokens_are_usable(&tokens));
+    }
+
+    #[test]
+    fn oauth_tokens_are_usable_when_unexpired_without_refresh_token() {
+        let mut tokens = sample_tokens();
+        tokens.token_response.0.set_refresh_token(None);
+
+        assert!(super::oauth_tokens_are_usable(&tokens));
+    }
+
+    #[test]
+    fn oauth_tokens_are_usable_when_expired_but_refreshable() {
+        let mut tokens = sample_tokens();
+        tokens.expires_at = Some(0);
+
+        assert!(super::oauth_tokens_are_usable(&tokens));
+    }
+
+    #[test]
+    fn oauth_tokens_are_not_usable_when_expired_and_unrefreshable() {
+        let mut tokens = sample_tokens();
+        tokens.expires_at = Some(0);
+        tokens.token_response.0.set_refresh_token(None);
+
+        assert!(!super::oauth_tokens_are_usable(&tokens));
+    }
+
+    #[test]
+    fn oauth_tokens_are_not_usable_when_near_expiry_and_unrefreshable() {
+        let mut tokens = sample_tokens();
+        let now = SystemTime::now()
+            .duration_since(UNIX_EPOCH)
+            .unwrap_or_else(|_| Duration::from_secs(0))
+            .as_millis() as u64;
+        tokens.expires_at = Some(now.saturating_add(REFRESH_SKEW_MILLIS - 1));
+        tokens.token_response.0.set_refresh_token(None);
+
+        assert!(!super::oauth_tokens_are_usable(&tokens));
+    }
+
+    #[test]
+    fn oauth_tokens_are_not_usable_when_client_id_is_blank() {
+        let mut tokens = sample_tokens();
+        tokens.client_id = " ".to_string();
+
+        assert!(!super::oauth_tokens_are_usable(&tokens));
+    }
+
+    #[test]
+    fn oauth_tokens_are_not_usable_when_access_token_is_blank() {
+        let mut tokens = sample_tokens();
+        tokens
+            .token_response
+            .0
+            .set_access_token(AccessToken::new(" ".to_string()));
+
+        assert!(!super::oauth_tokens_are_usable(&tokens));
+    }
+
+    #[test]
+    fn oauth_tokens_are_not_usable_when_required_refresh_token_is_blank() {
+        let mut tokens = sample_tokens();
+        tokens.expires_at = Some(0);
+        tokens
+            .token_response
+            .0
+            .set_refresh_token(Some(RefreshToken::new(" ".to_string())));
+
+        assert!(!super::oauth_tokens_are_usable(&tokens));
+    }
+
     fn assert_tokens_match_without_expiry(
         actual: &StoredOAuthTokens,
         expected: &StoredOAuthTokens,
diff --git a/codex-rs/rmcp-client/tests/streamable_http_oauth_startup.rs b/codex-rs/rmcp-client/tests/streamable_http_oauth_startup.rs
index 1c18f2c98..d7d8cf423 100644
--- a/codex-rs/rmcp-client/tests/streamable_http_oauth_startup.rs
+++ b/codex-rs/rmcp-client/tests/streamable_http_oauth_startup.rs
@@ -1,16 +1,21 @@
 mod streamable_http_test_support;
 
 use std::time::Duration;
+use std::time::SystemTime;
+use std::time::UNIX_EPOCH;
 
 use codex_config::types::OAuthCredentialsStoreMode;
 use codex_exec_server::Environment;
+use codex_rmcp_client::McpAuthStatus;
 use codex_rmcp_client::RmcpClient;
 use codex_rmcp_client::StoredOAuthTokens;
 use codex_rmcp_client::WrappedOAuthTokenResponse;
+use codex_rmcp_client::determine_streamable_http_auth_status;
 use codex_rmcp_client::save_oauth_tokens;
 use oauth2::AccessToken;
 use oauth2::RefreshToken;
 use oauth2::basic::BasicTokenType;
+use pretty_assertions::assert_eq;
 use rmcp::transport::auth::OAuthTokenResponse;
 use rmcp::transport::auth::VendorExtraTokenFields;
 use serde_json::Value;
@@ -33,6 +38,9 @@ const EXPIRED_ACCESS_TOKEN: &str = "expired-access-token";
 const REFRESH_TOKEN: &str = "valid-refresh-token";
 const REFRESHED_ACCESS_TOKEN: &str = "refreshed-access-token";
 const CHILD_SERVER_URL_ENV: &str = "MCP_TEST_OAUTH_STARTUP_SERVER_URL";
+const UNREFRESHABLE_SERVER_URL: &str = "https://unrefreshable.example/mcp";
+const UNEXPIRED_SERVER_URL: &str = "https://unexpired.example/mcp";
+const REFRESHABLE_SERVER_URL: &str = "https://refreshable.example/mcp";
 
 #[tokio::test(flavor = "multi_thread", worker_threads = 1)]
 async fn refreshes_expired_persisted_token_before_initialize() -> anyhow::Result<()> {
@@ -112,6 +120,101 @@ async fn refreshes_expired_persisted_token_before_initialize() -> anyhow::Result
     Ok(())
 }
 
+#[tokio::test(flavor = "multi_thread", worker_threads = 1)]
+async fn reports_auth_status_for_persisted_credentials() -> anyhow::Result<()> {
+    let codex_home = TempDir::new()?;
+
+    let status = Command::new(std::env::current_exe()?)
+        .args([
+            "persisted_credentials_auth_status_child",
+            "--exact",
+            "--ignored",
+            "--nocapture",
+        ])
+        .env("CODEX_HOME", codex_home.path())
+        .status()
+        .await?;
+
+    assert!(
+        status.success(),
+        "persisted credentials auth status child failed: {status}"
+    );
+    Ok(())
+}
+
+#[tokio::test(flavor = "multi_thread", worker_threads = 1)]
+#[ignore = "spawned by reports_auth_status_for_persisted_credentials"]
+async fn persisted_credentials_auth_status_child() -> anyhow::Result<()> {
+    let response = OAuthTokenResponse::new(
+        AccessToken::new(EXPIRED_ACCESS_TOKEN.to_string()),
+        BasicTokenType::Bearer,
+        VendorExtraTokenFields::default(),
+    );
+    let tokens = StoredOAuthTokens {
+        server_name: SERVER_NAME.to_string(),
+        url: UNREFRESHABLE_SERVER_URL.to_string(),
+        client_id: "test-client-id".to_string(),
+        token_response: WrappedOAuthTokenResponse(response),
+        expires_at: Some(0),
+    };
+    save_oauth_tokens(SERVER_NAME, &tokens, OAuthCredentialsStoreMode::File)?;
+
+    let status = auth_status(UNREFRESHABLE_SERVER_URL).await?;
+    assert_eq!(status, McpAuthStatus::NotLoggedIn);
+
+    let response = OAuthTokenResponse::new(
+        AccessToken::new("unexpired-access-token".to_string()),
+        BasicTokenType::Bearer,
+        VendorExtraTokenFields::default(),
+    );
+    let now = SystemTime::now()
+        .duration_since(UNIX_EPOCH)
+        .unwrap_or_else(|_| Duration::from_secs(0))
+        .as_millis() as u64;
+    let tokens = StoredOAuthTokens {
+        server_name: SERVER_NAME.to_string(),
+        url: UNEXPIRED_SERVER_URL.to_string(),
+        client_id: "test-client-id".to_string(),
+        token_response: WrappedOAuthTokenResponse(response),
+        expires_at: Some(now.saturating_add(/*rhs*/ 60_000)),
+    };
+    save_oauth_tokens(SERVER_NAME, &tokens, OAuthCredentialsStoreMode::File)?;
+
+    let status = auth_status(UNEXPIRED_SERVER_URL).await?;
+    assert_eq!(status, McpAuthStatus::OAuth);
+
+    let mut response = OAuthTokenResponse::new(
+        AccessToken::new(EXPIRED_ACCESS_TOKEN.to_string()),
+        BasicTokenType::Bearer,
+        VendorExtraTokenFields::default(),
+    );
+    response.set_refresh_token(Some(RefreshToken::new(REFRESH_TOKEN.to_string())));
+    let tokens = StoredOAuthTokens {
+        server_name: SERVER_NAME.to_string(),
+        url: REFRESHABLE_SERVER_URL.to_string(),
+        client_id: "test-client-id".to_string(),
+        token_response: WrappedOAuthTokenResponse(response),
+        expires_at: Some(0),
+    };
+    save_oauth_tokens(SERVER_NAME, &tokens, OAuthCredentialsStoreMode::File)?;
+
+    let status = auth_status(REFRESHABLE_SERVER_URL).await?;
+    assert_eq!(status, McpAuthStatus::OAuth);
+    Ok(())
+}
+
+async fn auth_status(server_url: &str) -> anyhow::Result<McpAuthStatus> {
+    determine_streamable_http_auth_status(
+        SERVER_NAME,
+        server_url,
+        /*bearer_token_env_var*/ None,
+        /*http_headers*/ None,
+        /*env_http_headers*/ None,
+        OAuthCredentialsStoreMode::File,
+    )
+    .await
+}
+
 #[tokio::test(flavor = "multi_thread", worker_threads = 1)]
 #[ignore = "spawned by refreshes_expired_persisted_token_before_initialize"]
 async fn oauth_startup_child() -> anyhow::Result<()> {