How much are your points actually worth?
Enter your balance, get the dollar value instantly. Expert CPP valuations for 69 airline, hotel, and bank programs, blended from three independent sources so you never overpay.
These are redemption values, not purchase prices
A “redemption value” is what one point or mile is worth when you use it for a typical award (e.g. a typical hotel night, business-class seat). It is NOT the price the issuer charges to BUY points or miles directly, which is typically 2 to 3x higher because of the issuer's markup.
Example: United's “buy miles” storefront charges roughly 3.5¢ per mile. Our valuation of United MileagePlus is lower because it reflects what you get back when you spend a mile, not what United charges to sell you one.
Methodology: median value across our verified sweet-spot library, weighted by typical user redemption mix. Sourced 2026-05-25.
How we value each point
Every CPP on this page is a blended mean of valuations published by three independent points-and-miles authorities:
- FMFrequent Miler Reasonable Redemption Values. Quarterly, methodology-documented, median-based
- OMAATOne Mile at a Time valuation guide. Refreshed by Ben Schlappig
- UPUpgraded Points valuation table. Updated monthly
We average the three sources and round to two decimals. Programs covered by all three are marked 3 sources; programs with only one source covering them are marked 1 source. Programs none of the three publish (e.g. SAS EuroBonus, Copa ConnectMiles, car-rental programs) keep their prior editorial value and are flagged unverified.
Last refreshed 2026-05-12. Numbers shift across the year as programs devalue or change transfer ratios.
Points Calculator
What is Cents Per Point (CPP)?
CPP measures the value you get per point when redeeming. For example, if 50,000 points books a $750 flight, that's 1.5¢ per point. Higher CPP = better value. We recommend aiming for at least 1.5¢ per point.
This is a redemption value, not a purchase price. Issuers typically sell points or miles directly at 2 to 3x the redemption value (their markup), so a program valued here at 1.4¢ per mile may show up on the issuer's buy-miles page at roughly 3.5¢. Those numbers are not in conflict; they measure different things.
All Program Valuations
69 programs| Program | Type | Currency | Value (CPP) | Sources | 100k Worth | Calculate |
|---|---|---|---|---|---|---|
 | hotel | points | 2.1¢ | FM 2.2¢OMAAT 2¢UP 2.2¢ | $2,130 | |
 | bank | points | 1.8¢ | FM 1.5¢OMAAT 1.7¢UP 2.2¢ | $1,800 | |
 | bank | points | 1.8¢ | FM 1.55¢OMAAT 1.7¢UP 2¢ | $1,750 | |
 | bank | points | 1.7¢ | FM 1.5¢OMAAT 1.7¢UP 2¢ | $1,730 | |
 | hotel | points | 1.7¢ | FM 1.7¢OMAAT 1.5¢UP 1.5¢ | $1,680 | |
 | bank | miles | 1.6¢ | FM 1.45¢OMAAT 1.7¢UP 1.8¢ | $1,650 | |
 | bank | points | 1.6¢ | FM 1.5¢OMAAT 1.7¢UP 1.6¢ | $1,600 |
Transfer Partner Guide
Bank points can be transferred to airline and hotel loyalty programs. Here are all the transfer options:
Chase Ultimate Rewards
11 transfer partners
Amex Membership Rewards
13 transfer partners
Citi ThankYou
10 transfer partners
Capital One Miles
11 transfer partners
Bilt Rewards
11 transfer partners
