Credit Card Rewards Points Value Calculator
Estimates based on The Points Guy's published average redemption values, which assume transferring to airline/hotel partners. Cash back or statement credit redemptions are usually worth less. Valuations change monthly and are not a guarantee of actual value received.
Enter your points or miles balance, pick your program, and see the real dollar value -- using The Points Guy's current per-program valuations, not a guess.
How it works
- Enter your points or miles balance
- Pick your rewards program, or enter a custom cents-per-point value
- See your balance's estimated dollar value
Frequently asked questions
Where do these valuations come from?
The Points Guy's (TPG) monthly valuations: Chase Ultimate Rewards at 2.05 cents/point (June 2026), Amex Membership Rewards at 2.0 cents/point (August 2026), Capital One miles at 1.85 cents/mile (August 2026), and Bilt Rewards at 2.2 cents/point. These change monthly, so treat them as estimates.
Why isn't my program listed?
We only list programs with a current, specific, independently cited valuation. For any other program (including Citi ThankYou Points, where we couldn't confirm a current TPG figure), use the Custom option and enter your own cents-per-point estimate.
Do points lose value over time?
Yes -- issuers change transfer ratios and redemption rates without warning. For example, Amex cut its Membership Rewards-to-Cathay Pacific transfer ratio from 1:1 to 5:4 on March 1, 2026 (25% more points needed for the same miles), and Chase changed its Ultimate Rewards-to-Hyatt ratio from 1:1 to 4:3 starting October 1, 2026 for most cardholders.
Does this valuation guarantee I'll get that much value?
No. These are average estimates for savvy travel redemptions (like transferring to airline/hotel partners). Cash back or statement credit redemptions are usually worth less -- often 1 cent per point.
Related tools
From the blog
Update history
- 2026-10-03 Added links to related tools.
- 2026-10-01 Launched: converts a points/miles balance into real dollars using The Points Guy's current per-program valuations (Chase UR 2.05c, Amex MR 2.0c, Capital One 1.85c, Bilt 2.2c) or a custom cents-per-point value.