How Much Are My Points Worth?
Select your program and enter your balance to see the dollar value.
Side-by-Side Comparison
See how all six major programs stack up with the same point balance.
| Program | Best CPP | Avg CPP | Best Value | Avg Value |
|---|
Best Way to Use Your Points
See all redemption options ranked from best to worst value.
Which Card Earns the Most?
Enter your monthly spending by category to find which program earns the most value.
Frequently Asked Questions
What does "cents per point" mean?
Cents per point (cpp) is the standard measure for how much each point or mile is worth. For example, 2.0 cpp means each point is worth 2 cents, so 50,000 points = $1,000 in value. Higher cpp = better value for your points.
Why do different redemptions give different values?
Points are worth more when transferred to the right airline or hotel partner because you can book flights or stays that would cost more cash than the points are "officially" worth. Premium cabin redemptions (business/first class) tend to yield the highest value.
Which points program is the best?
Bilt Rewards (2.2 cpp) and Chase Ultimate Rewards (2.0 cpp) are currently the most valuable transferable points currencies according to major valuations. However, the "best" program depends on your travel goals and preferred airlines/hotels.
Should I transfer points or use a travel portal?
Transferring to partners usually gives better value than travel portals, especially for premium cabin flights or high-end hotel stays. However, portals are simpler, more predictable, and better for economy flights where transfer partner sweet spots don't apply.
How much are 100,000 credit card points worth?
100,000 points are worth between $1,000 and $2,200 depending on the program and how you redeem. Bilt and Chase points at their best yield $2,000-$2,200, while statement credit redemptions typically give $600-$1,000.
Top Cards for Earning Transferable Points
The highest-earning cards across every major points program.
Amex Gold
4x dining & groceries - best everyday Amex earner
Chase Sapphire Reserve
3x dining, 4x travel - best for Chase Trifecta
Amex Platinum
5x flights, premium lounge access & travel perks
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Start Earning Points Today
Compare the top cards for earning transferable points.
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Understanding Credit Card Points Valuations
Transferable credit card points are the most flexible and valuable type of rewards currency. Unlike airline-specific miles or cashback, transferable points can be sent to multiple airline and hotel loyalty programs, giving you the ability to cherry-pick the best redemption for each trip. The six major programs covered by this calculator represent the core of the points and miles ecosystem.
How Much Are Credit Card Points Worth?
Point values range from around 1.0 cent per point (statement credits) to over 2.0 cents per point (premium cabin award flights via transfer partners). The key insight is that the same points can be worth dramatically different amounts depending on how you redeem them. A savvy redeemer can extract 3-4x more value than someone who just takes statement credits.
Best Transfer Partners Across Programs
The highest-value transfer partners tend to be airline programs that offer sweet spot awards for premium cabins. World of Hyatt (available via Chase and Bilt) is the best hotel transfer partner. For airlines, Virgin Atlantic Flying Club is a top pick across Amex, Chase, Citi, and Bilt. Air Canada Aeroplan and British Airways Avios are available through nearly every program and offer consistent value.
How to Choose the Right Program
Consider three factors: earning rate (which card gives the most points for your spending), transfer partners (which airlines and hotels you actually want to fly or stay at), and redemption value (how many cents per point you can realistically extract). Many experienced travelers earn across multiple programs rather than committing to just one.
Last updated: February 2026