Points & Miles Value Calculator

Find the best redemption value for credit card points and miles. Compare Chase, Amex, Citi, Delta, United, and Marriott programs. Free points calculator, no signup.

How to Use Points & Miles Value Calculator

  1. Select your loyalty program — Chase, Amex, Delta, United, Marriott, and more
  2. Enter your current points or miles balance
  3. Compare cash value, travel portal value, and transfer partner value
  4. Pick the redemption option with the highest cent-per-point value
  5. Use the result to decide whether to redeem now or save for a premium redemption

Frequently Asked Questions

How much are credit card points worth?

Approximate value per point (cents): Chase Ultimate Rewards: 1–2.05¢ (2.05¢ when transferred to airline/hotel partners). Amex Membership Rewards: 1–2¢ (best via airline transfers). Capital One Miles: 1–1.8¢. Citi ThankYou Points: 1–1.7¢. Bank of America points: 1¢ cash/1.5¢ with Preferred Rewards. Our calculator uses current valuations.

What is the best way to redeem airline miles?

Best redemptions for airline miles: First/business class international flights (often 1.5–3¢ per mile vs 0.7¢ for cash tickets). Star Alliance partners through United, Oneworld through British Airways Avios, or SkyTeam through Flying Blue. Domestic flights typically give 1.3–1.7¢/mile. Merchandise and gift card redemptions are the worst value (0.5–0.7¢).

Should I transfer points to airline partners or use for cash back?

Cash back: guaranteed 1¢/point — simple and reliable. Transfer to partners: can yield 2–3¢+/point for premium cabin international travel — but requires flexibility, research, and advance booking. Rule: if you don't travel internationally in business/first class, cash back simplicity usually wins. If you do travel premium, transfer partners are the key to luxury for less.

What are the best credit card transfer partners?

Chase UR best transfers: Hyatt (best hotel CPP value), United MileagePlus, Southwest, Air France/KLM Flying Blue. Amex MR best transfers: ANA (phenomenal first class), Air Canada Aeroplan, Avianca LifeMiles, Singapore KrisFlyer. Capital One best transfer: Avianca LifeMiles, Wyndham (good CPP for budget hotels).

How do I avoid points expiration?

Most airline miles expire after 18–24 months of account inactivity. Keep miles active: make any purchase, flight, transfer, or shopping portal transaction to reset the clock. Hotel points (Hilton, Marriott) also expire with inactivity — set a calendar reminder to make a small transaction every 12 months on accounts you're building.

What is the best credit card for travel points in 2026?

Top travel cards in 2026: Chase Sapphire Reserve (3x travel/dining, $300 travel credit, Priority Pass lounges, best transfer partners), Amex Platinum (5x flights, $200 airline credit, Centurion lounges, Delta/Hilton status), Capital One Venture X (2x everything, $300 travel credit, Priority Pass). Best for beginners: Chase Sapphire Preferred.