diff --git a/tests/test_config.py b/tests/test_config.py
index e503b8e11166515e3f36ac1c0842d3e3d96f6906..ef3a6438907bde57e1f244a71ab2c7621fad7df8 100644
--- a/tests/test_config.py
+++ b/tests/test_config.py
@@ -207,6 +207,22 @@ def test_rt_wrapper_cache_responds_to_external_credential_changes(rt_environ):
         rt2 = config.rt_wrapper(None, testutil.RTClient)
     assert rt1 is not rt2
 
+def test_rt_wrapper_has_cache(tmp_path):
+    with update_environ(XDG_CACHE_DIR=tmp_path):
+        config = config_mod.Config()
+        rt = config.rt_wrapper(None, testutil.RTClient)
+        rt.exists(1)
+    expected = 'conservancy_beancount/{}@*.sqlite3'.format(RT_FILE_CREDS[1])
+    assert any(tmp_path.glob(expected))
+
+def test_rt_wrapper_without_cache(tmp_path):
+    tmp_path.chmod(0)
+    with update_environ(XDG_CACHE_DIR=tmp_path):
+        config = config_mod.Config()
+        rt = config.rt_wrapper(None, testutil.RTClient)
+    tmp_path.chmod(0o600)
+    assert not any(tmp_path.iterdir())
+
 def test_cache_mkdir(tmp_path):
     expected = tmp_path / 'TESTcache'
     with update_environ(XDG_CACHE_DIR=tmp_path):