What are your points worth?
Convert a points or miles balance into an estimated dollar value using transparent, conservative valuations — the same ones we use to rank every sign-up bonus.
These are deliberately conservative baseline valuations (see our methodology). Skilled redemptions — especially transferring points to airline/hotel partners — can be worth more.
How to think about points value
A “point” isn't money — its worth depends entirely on how you redeem it. Cash back is simple (1¢ each). Transferable points like Chase Ultimate Rewards and Amex Membership Rewards are more valuable because you can move them to airline and hotel partners, often getting well over 1.5¢ in travel. We value conservatively so our card rankings never overstate a bonus.
Trying to decide which card to get? Run the eligibility checker to see which bonuses you actually qualify for, or check your Chase 5/24 status first.
Frequently asked questions
How much is a point worth?
It depends on the program and how you redeem. We use conservative baselines: Chase Ultimate Rewards and Amex Membership Rewards at 1.5¢, Citi ThankYou at 1.4¢, airline miles around 1.3¢, and generic/fixed-value points at 1.0¢. Transferring to travel partners can be worth more.
Why are your valuations lower than some blogs?
Many sites publish aspirational "maximum" valuations. We use conservative, realistic numbers so a card's estimated bonus value isn't overstated. You can always do better with savvy redemptions.
Does this include the annual fee?
No — this calculator values a raw points balance. On our card pages and eligibility checker, we subtract the first-year annual fee to show net bonus value.