Points valuation
Our published estimate for major points currencies, shown as a range from floor to typical (cents per point). This page is labeled the same way as the calculator’s estimate box: Typical values (our estimates, not issuer figures).
Points use calculator — enter a balance and see transfer and issuer options.
How we estimate value
We show two numbers for each currency, in cents per point:
- Floor — the fixed cash-out or portal value the issuer (or program) states in public, when we can find one. Example: 1 cent per point for cash back, or a stated travel-portal rate. If the public page does not state a cents figure, we leave the floor blank.
- Typical — what a reasonable traveler often gets when redeeming thoughtfully (partner transfers, solid award seats or hotel nights), not a once-in-a-lifetime sweet spot and not the worst gift-card rate.
The published estimate is the range from floor to typical when both are present. Typical alone is shown when we have no floor on file.
Typical values (our estimates, not issuer figures)
| Currency | Floor (¢) | Typical (¢) | Our estimate (¢) |
|---|---|---|---|
| Chase Ultimate Rewards | 1.0 | 2.0 | 1.0–2.0 |
| Amex Membership Rewards | 0.6 | 1.8 | 0.6–1.8 |
| Citi ThankYou | 1.0 statement credit (source (opens in new tab)) | 1.7 | 1.0–1.7 |
| Capital One miles | 1.0 redeemed toward travel (source (opens in new tab)) | 1.7 | 1.0–1.7 |
| Bilt Rewards | 1.25 | 1.8 | 1.25–1.8 |
| Wells Fargo Rewards | 1.0 | 1.5 | 1.0–1.5 |
| United MileagePlus | 1.2 | 1.2 | |
| Delta SkyMiles | 1.2 | 1.2 | |
| American AAdvantage | 1.5 | 1.5 | |
| Southwest Rapid Rewards | 1.3 | 1.3 | |
| Atmos Rewards (formerly Alaska Mileage Plan) | 1.5 | 1.5 | |
| JetBlue TrueBlue | 1.35 | 1.35 | |
| Marriott Bonvoy | 0.7 | 0.7 | |
| Hilton Honors | 0.5 | 0.5 | |
| World of Hyatt | 1.6 | 1.6 | |
| IHG One Rewards | 0.6 | 0.6 | |
| Wyndham Rewards | 0.6 | 0.6 |
Our estimates, not issuer figures — values vary; not a fact and not official.
Outside valuations
Other sites publish their own cents-per-point tables. We link them for comparison. We do not copy their numbers onto this page.
Limits
These valuations are editorial estimates for comparing perks on a free public tracker. They are not financial advice, not a guarantee of redemption value, and not affiliated with any bank or loyalty program. Issuers can change redemption rates at any time. Always check the issuer’s own terms before you redeem.