How much is a Chase Ultimate Rewards point worth?

A Chase Ultimate Rewards point is worth 1.25 cents when redeemed for cash back or travel through Chase Travel. When transferred to airline and hotel partners, the blended value rises to approximately 1.50 cents per point, making a 60,000-point signup bonus worth about $750 in cash or up to $900 in travel.

How much is an Amex Membership Rewards point worth?

An American Express Membership Rewards point is worth 1.00 cent redeemed for cash. Through transfer partners like Air France Flying Blue, British Airways Avios, or Delta SkyMiles, blended value is approximately 1.30 cents per point. A 60,000-point Amex Gold signup bonus is worth $600 cash or approximately $780 in transferred travel.

How much is a Bilt Rewards point worth?

A Bilt Rewards point has a cash redemption value of 1.00 cent and a blended value of approximately 1.30 cents when transferred to partners. Bilt transfers to 13 airline and hotel programs including American Airlines AAdvantage, United MileagePlus, World of Hyatt, and Air Canada Aeroplan.

How much is a Citi ThankYou point worth?

A Citi ThankYou point is worth 1.00 cent for cash back and approximately 1.25 cents blended when transferred to partners. Transfer partners include Air France Flying Blue, Singapore Airlines KrisFlyer, Avianca LifeMiles, and Turkish Airlines Miles&Smiles.

How much is a Capital One mile worth?

A Capital One mile is worth 1.00 cent redeemed for travel statement credits and approximately 1.20 cents blended using transfer partners. Capital One transfers to 15+ airlines and hotels including Air Canada Aeroplan, British Airways Avios, Turkish Airlines Miles&Smiles, and Wyndham Rewards.

What is the difference between cash value and blended value for credit card points?

Cash value is the guaranteed minimum — what you get redeeming points for statement credits or direct cash. Blended value is a weighted average of cash and the best realistically achievable transfer partner redemptions. Cash value is the floor; blended value reflects what informed travelers typically achieve. YourBestCards uses blended value for scoring because it better represents points utility for active earners.

Valuations updated April 2026

Credit Card Point Values
2026 Reference

Q: Which credit card points are worth the most?

By blended value, Chase Ultimate Rewards points are worth the most at 1.50 cents per point, followed by Amex Membership Rewards and Bilt at 1.30 cents, Citi ThankYou at 1.25 cents, and Capital One Miles at 1.20 cents. All three transferable currencies (Chase, Amex, Bilt) offer 20+ airline and hotel transfer partners. Valuation updated April 2026.

How much are your Chase, Amex, Bilt, Citi, and Capital One points worth? Two values per currency: the guaranteed cash floor and the realistic blended value through transfer partners.

Currencies tracked

Chase, Amex, Bilt, Citi, Cap1

Cash value floor

1¢

Guaranteed via statement credit

Blended transfer value

1.5¢+

Via airline & hotel 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.

Currency	Best Card(s)	Cash Value	Blended Value	60k pts =
Chase Ultimate Rewards 21 airline + hotel partners	Sapphire Preferred, Sapphire Reserve, Freedom Unlimited	1.25¢	1.50¢	$750–$900
Amex Membership Rewards 22 airline + hotel partners	Amex Gold, Amex Platinum, Green Card	1.00¢	1.30¢	$600–$780
Bilt Rewards 13 airline + hotel partners	Bilt Mastercard (rent card)	1.00¢	1.30¢	$600–$780
Citi ThankYou Points 18 airline + hotel partners	Citi Strata Premier, Citi Strata Elite	1.00¢	1.25¢	$600–$750
Capital One Miles 15 airline + hotel partners	Venture X, Venture Rewards	1.00¢	1.20¢	$600–$720
Cash back (1¢ = $0.01) No transfer partners	All cashback cards	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 April 2026. Full methodology →

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Signup Bonus Values — Current Offers

What the most common signup bonuses are actually worth at blended valuations.

Amex Gold — 60k MR pts

$780

at 1.30¢ blended

Chase Sapphire Preferred — 60k UR

$900

at 1.50¢ blended

Capital One Venture X — 75k miles

$900

at 1.20¢ blended

Frequently Asked Questions

Which credit card points are worth the most?

By blended value, Chase Ultimate Rewards are worth the most at 1.50¢/point, followed by Amex Membership Rewards and Bilt at 1.30¢, Citi ThankYou at 1.25¢, and Capital One Miles at 1.20¢. All five currencies offer 13–22 airline and hotel transfer partners.

How much is 100,000 Chase Ultimate Rewards points worth?

100,000 Chase Ultimate Rewards points are worth $1,250 redeemed for cash or travel through Chase Travel. At blended value (1.50¢/pt), they’re worth approximately $1,500 through strategic transfer partner redemptions.

Can I transfer Chase UR points to American Airlines?

No. Chase Ultimate Rewards does not transfer to American Airlines AAdvantage. Chase partners with United MileagePlus, Southwest Rapid Rewards, Air Canada Aeroplan, Air France Flying Blue, British Airways Avios, and Singapore Airlines KrisFlyer, among others. For American Airlines redemptions, Citi ThankYou Points transfer 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.

Credit Card Point Values2026 Reference