Points & miles, decoded

Know what your points are actually worth.

Make your points go further. Free calculators and simple guides to help you squeeze the most value out of credit-card and travel rewards.

14 programs No signup to calculate Unbiased estimates

Points Value Calculator

Estimated value

$625$1,025

Transfer to Hyatt or United for the biggest wins.

Based on 1.25¢–2.05¢ per point. Cashing out isn't always the best deal — .

Best ways to use points

Cash back vs travel vs gift cards

The same points can be worth wildly different amounts depending on how you redeem. Here's the typical value per point for each option.

Best

Transfer to Partners

2.00¢/pt

Best value

Move points to airline & hotel partners for premium flights and stays. Highest ceiling, a little more effort.

Travel Portal

1.25¢/pt

Solid

Book flights and hotels through your card's portal, often at a small bonus over cash. Easy and reliable.

Cash / Statement Credit

1.00¢/pt

Reliable

Predictable and flexible, but you usually leave value on the table versus travel.

Gift Cards

0.80¢/pt

Usually skip

Convenient, but points are often worth less than a penny each here. Only if you'd buy the gift card anyway.

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