Credit Card Point Values
How much are your Chase, Amex, Bilt, Citi, and Capital One points worth — and your airline miles and hotel points? Two values per currency: the guaranteed cash floor and the realistic blended value through transfer partners.
Current Point Valuations
Cash value = redemption for statement credit or direct cash. Blended value = weighted average of cash and best transfer partner redemptions. Scoring at YourBestCards uses blended value. Best cards = our highest-rated cards earning each currency.
| Currency | Best Card(s) | Cash Value | Blended Value | 60k pts = |
|---|---|---|---|---|
Chase Ultimate Rewards 14 airline + hotel partners | Chase Sapphire Preferred, Chase Freedom Rise, Chase Sapphire Reserve Chase Freedom Rise: Earns Chase Ultimate Rewards points (shown as cash back). Points are transferable to airline and hotel partners only when this card is combined with a Chase Sapphire or Ink Business Preferred card. Chase Freedom Flex: Earns Chase Ultimate Rewards points (shown as cash back). Points are transferable to airline and hotel partners only when this card is combined with a Chase Sapphire or Ink Business Preferred card. Chase Freedom Unlimited: Earns Chase Ultimate Rewards points (shown as cash back). Points are transferable to airline and hotel partners only when this card is combined with a Chase Sapphire or Ink Business Preferred card. | 1.25¢ | 1.50¢ | $750–$900 |
Amex Membership Rewards 22 airline + hotel partners | American Express Gold Card, Business Gold Card, The Platinum Card from American Express | 1.00¢ | 1.50¢ | $600–$900 |
Bilt Rewards 26 airline + hotel partners | Bilt Palladium Card, Bilt Obsidian Card, Bilt Blue Card | 1.00¢ | 1.50¢ | $600–$900 |
Citi ThankYou Points 21 airline + hotel partners | Citi Strata Card, Citi Strata Premier Card, Citi Strata Elite Card | 1.00¢ | 1.35¢ | $600–$810 |
Capital One Miles 22 airline + hotel partners | Venture X Business, Venture Business, Capital One Venture X Rewards | 1.00¢ | 1.35¢ | $600–$810 |
Cash back (1¢ per $1) No transfer partners | Secured Chime Visa, Eagle Ascend, Chase Freedom Rise | 1.00¢ | 1.00¢ | $600 |
Methodology: Blended values are calculated as a weighted average of cash redemption value and the median achievable value across commonly used transfer partners. Values represent realistic outcomes for engaged points users, not peak theoretical redemptions. Updated October 6, 2026. Full methodology →
About YourBestCards — independent ratings, ranked by math →
Transfer partners by points currency — every partner, ratio and transfer time →
Airline & Hotel Point Values
The 26 loyalty currencies you earn with co-branded cards or get by transferring bank points. Same two values: cash-equivalent floor and realistic blended value.
Airline miles (17)
| Program | Top Card Earning It | Cash Value | Blended Value | 60k pts = |
|---|---|---|---|---|
| Air Canada Aeroplan | Aeroplan Card | 1.00¢ | 1.50¢ | $600–$900 |
| American AAdvantage Miles | Citi / AAdvantage Globe Mastercard | 1.00¢ | 1.40¢ | $600–$840 |
| ANA Mileage Club | ANA Card | 1.00¢ | 1.40¢ | $600–$840 |
| Atmos Rewards (Alaska + Hawaiian) | Atmos Rewards Ascent Visa Signature | 1.00¢ | 1.40¢ | $600–$840 |
| Avios (BA / Aer Lingus / Iberia) | Iberia Visa Signature | 1.00¢ | 1.30¢ | $600–$780 |
| JetBlue TrueBlue Points | JetBlue Plus Card | 1.30¢ | 1.30¢ | $780 |
| Miles & More | Miles & More World Elite Mastercard | 1.00¢ | 1.30¢ | $600–$780 |
| Southwest Rapid Rewards | Southwest Rapid Rewards Premier Card | 1.30¢ | 1.30¢ | $780 |
| United MileagePlus | United Quest Card | 1.00¢ | 1.25¢ | $600–$750 |
| Breeze BreezePoints | Breeze Easy Visa | 1.00¢ | 1.22¢ | $600–$732 |
| Air France-KLM Flying Blue | Air France KLM World Elite Mastercard | 1.00¢ | 1.20¢ | $600–$720 |
| Emirates Skywards Miles | Emirates Skywards Rewards World Elite Mastercard | 1.00¢ | 1.20¢ | $600–$720 |
| Delta SkyMiles | Delta SkyMiles Gold American Express Card | 1.00¢ | 1.15¢ | $600–$690 |
| Hawaiian Airlines Miles | Hawaiian Airlines World Elite Mastercard | 1.00¢ | 1.10¢ | $600–$660 |
| LATAM Pass Points | LATAM Airlines World Elite Mastercard | 1.00¢ | 1.10¢ | $600–$660 |
| TAP Miles&Go | TAP Miles&Go American Express | 1.00¢ | 1.10¢ | $600–$660 |
| Frontier Miles | FRONTIER Airlines World Mastercard | 1.00¢ | 1.00¢ | $600 |
Hotel points (6)
| Program | Top Card Earning It | Cash Value | Blended Value | 60k pts = |
|---|---|---|---|---|
| World of Hyatt Points | World of Hyatt Business | 0.80¢ | 1.70¢ | $480–$1,020 |
| Wyndham Rewards Points | Wyndham Rewards Earner Premier Card | 0.80¢ | 0.90¢ | $480–$540 |
| Marriott Bonvoy Points | Marriott Bonvoy Business | 0.60¢ | 0.75¢ | $360–$450 |
| Choice Privileges Points | Choice Privileges Select Mastercard | 0.50¢ | 0.60¢ | $300–$360 |
| IHG One Rewards Points | IHG One Rewards Premier Select | 0.50¢ | 0.60¢ | $300–$360 |
| Hilton Honors Points | Hilton Honors American Express Aspire Card | 0.40¢ | 0.50¢ | $240–$300 |
Other programs (3)
| Program | Top Card Earning It | Cash Value | Blended Value | 60k pts = |
|---|---|---|---|---|
| Bank of America Travel Rewards | No card in our ratings | 1.00¢ | 1.00¢ | $600 |
| Princess Cruise Rewards | No card in our ratings | 1.00¢ | 1.00¢ | $600 |
| Wells Fargo Rewards | Wells Fargo Autograph Card Wells Fargo Autograph Card: Earns Wells Fargo Rewards points. Autograph Journey Card: Earns Wells Fargo Rewards points. | 1.00¢ | 1.00¢ | $600 |
Signup Bonus Values — Current Offers
Current welcome bonuses on our top-rated cards for each bank currency, at blended valuations. Offers change often — confirm the terms with the issuer before you apply.
Frequently Asked Questions
Which credit card points are worth the most?
By blended value, Chase Ultimate Rewards, Amex Membership Rewards and Bilt Rewards are worth the most, tied at 1.50¢ per point, followed by Citi ThankYou Points and Capital One Miles at 1.35¢. Each of these 5 currencies transfers to between 14 and 26 airline and hotel partners. Redeemed for cash or statement credit they are worth 1.00¢–1.25¢ per point.
How much is 100,000 Chase Ultimate Rewards points worth?
100,000 Chase Ultimate Rewards points are worth $1,250 at cash value (1.25¢ per point). At blended value (1.50¢ per point) they are worth about $1,500 through transfer partner redemptions.
Can I transfer Chase UR points to American Airlines?
No. Chase Ultimate Rewards does not transfer to American Airlines AAdvantage. Chase's 10 airline partners are Aer Lingus AerClub, Air Canada Aeroplan, Air France-KLM Flying Blue, British Airways Club, Iberia Plus, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Rapid Rewards, United MileagePlus and Virgin Atlantic Flying Club. For American Airlines redemptions, Citi ThankYou Points transfers to AAdvantage.
Do Amex points expire?
American Express Membership Rewards points do not expire as long as your account is open and in good standing. Points are forfeited if you close the account, so transfer to an airline or hotel program before closing to preserve their value.