Free Tool
How Much Are My
Points Worth?
Enter your points balance and instantly see the real dollar value across every major rewards program. Compare bank points, airline miles, and hotel points side by side.
Transfer Optimizer
See the value of transferring your Chase Ultimate Rewards points to each partner program.
Value Comparison
Compare 100,000 points across every program
| Program | CPP | Avg Value |
|---|---|---|
 Bilt Rewards bank | 2.05¢ | $2,050 |
Chase Ultimate Rewards bank | 2¢ | $2,000 |
 Amex Membership Rewards bank | 2¢ | $2,000 |
 Capital One Miles bank | 1.85¢ | $1,850 |
 Citi ThankYou bank | 1.8¢ | $1,800 |
 Alaska Mileage Plan airline | 1.8¢ | $1,800 |
 ANA Mileage Club airline | 1.8¢ | $1,800 |
Air Canada Aeroplan airline | 1.7¢ | $1,700 |
World of Hyatt hotel | 1.7¢ | $1,700 |
Singapore KrisFlyer airline | 1.6¢ | $1,600 |
 American AAdvantage airline | 1.5¢ | $1,500 |
British Airways Avios airline | 1.5¢ | $1,500 |
 Turkish Miles&Smiles airline | 1.5¢ | $1,500 |
Virgin Atlantic Flying Club airline | 1.5¢ | $1,500 |
Southwest Rapid Rewards airline | 1.4¢ | $1,400 |
Air France Flying Blue airline | 1.4¢ | $1,400 |
 Qantas Frequent Flyer airline | 1.4¢ | $1,400 |
United MileagePlus airline | 1.3¢ | $1,300 |
JetBlue TrueBlue airline | 1.3¢ | $1,300 |
 Delta SkyMiles airline | 1.2¢ | $1,200 |
Emirates Skywards airline | 1.2¢ | $1,200 |
 Wyndham Rewards hotel | 0.9¢ | $900 |
Marriott Bonvoy hotel | 0.7¢ | $700 |
 Hilton Honors hotel | 0.5¢ | $500 |
IHG One Rewards hotel | 0.5¢ | $500 |
Transfer Partner Map
See which bank points transfer to which airline and hotel programs, with transfer ratios.
United MileagePlusWorld of HyattSouthwest Rapid RewardsJetBlue TrueBlueIHG One RewardsMarriott BonvoyBritish Airways AviosAir Canada AeroplanSingapore KrisFlyerVirgin Atlantic Flying ClubEmirates SkywardsAir France Flying BlueDelta SkyMilesHilton HonorsMarriott BonvoyANA Mileage ClubSingapore KrisFlyerBritish Airways AviosAir France Flying BlueEmirates SkywardsVirgin Atlantic Flying ClubQantas Frequent FlyerAir Canada AeroplanAir Canada AeroplanBritish Airways AviosAir France Flying BlueSingapore KrisFlyerTurkish Miles&SmilesEmirates SkywardsVirgin Atlantic Flying ClubQantas Frequent FlyerWyndham RewardsJetBlue TrueBlueSingapore KrisFlyerBritish Airways AviosVirgin Atlantic Flying ClubTurkish Miles&SmilesEmirates SkywardsQantas Frequent FlyerUnited MileagePlusAmerican AAdvantageWorld of HyattAlaska Mileage PlanIHG One RewardsMarriott BonvoyAir Canada AeroplanBritish Airways AviosAir France Flying BlueVirgin Atlantic Flying ClubTurkish Miles&SmilesEmirates SkywardsReady to maximize your points?
Search flights and hotels using your points. Pointify finds the best redemption value automatically.
Frequently Asked Questions
How much is a credit card point worth?
Credit card points are typically worth between 1 and 2 cents each when redeemed optimally. Chase Ultimate Rewards and Amex Membership Rewards average 2.0 cents per point, while Bilt Rewards averages 2.05 cpp. The actual value depends heavily on how you redeem them.
What is cents per point (CPP)?
Cents per point (CPP) is the standard metric for measuring reward point value. It represents how many cents of travel value you get for each point redeemed. For example, if 50,000 points books a $1,000 flight, that is 2.0 CPP (1000 / 50000 * 100).
Which points program is the most valuable?
Bilt Rewards (2.05 cpp), Chase Ultimate Rewards (2.0 cpp), and Amex Membership Rewards (2.0 cpp) are the most valuable flexible point currencies. Among airline programs, Alaska Mileage Plan (1.8 cpp) and American AAdvantage (1.5 cpp) lead. For hotels, World of Hyatt (1.7 cpp) is far ahead.
Should I transfer points or use the travel portal?
Transferring to airline and hotel partners almost always delivers higher value than booking through a bank travel portal. For example, Chase Pay Yourself Back gives 1.25 cpp, but transferring to Hyatt can yield 2-4+ cpp. The tradeoff is that transfers are one-way and non-refundable.
How do point transfer partners work?
Bank reward programs like Chase UR, Amex MR, and Bilt allow you to convert your points into airline miles or hotel points at set ratios (usually 1:1). Once transferred, you book directly through the airline or hotel loyalty program. Transfers are typically instant but irreversible.