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Updated November 2026

Trip Gap Calculator

Enter your points and miles, pick a trip, then see your coverage, best transfer path, and whether paying cash beats redeeming.

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How to use
Pick a trip → enter your points → see exact coverage, gap, and best transfer path
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Cash vs. points
Tab 3 calculates your exact cents-per-point and tells you whether to redeem or pay cash
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Transfer bonuses
Tab 4 shows live bonuses. A 25–30% boost can close your gap without a new card
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Card options
Tab 5 shows which cards cover your selected trip ranked by welcome bonus value
Trips tracked
152
107 flights · 45 hotels
Typical gap
38k–128k pts
midpoint of tracked trips
Best CPP range
0.5c – 1.7c
via transfer partners
Select a trip example
Type
Cabin
Region
Hotel
Maui
Hyatt 4 nights · Hawaii · total stay, 1 room
100k-260k pts
Strong program value
World of Hyatt Points - Maui
0.80-1.70c
cents per point
World of Hyatt Points points are typically worth 0.80-1.70c per point via transfer partners.
Program avg CPP
0.80-1.70c
via transfer partners
Points needed
100k-260k pts
Hyatt
Your CPP
0.80-1.70c
program typical
$
Your points & miles balances
transfers 1:1
transfers 1:1
transfers 1:1
No program balances added yet.
Enter balances and click Recalculate
Is it worth redeeming? — Cash vs. Points Calculator

Enter your specific booking to see exactly how many cents per point you’d get and whether you should pay cash or redeem.

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0c Your redemption 3c+
avg
Calculating…
Your CPP
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cents per point
Program avg
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typical range
Cash saved
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vs paying cash
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Current program valuations — November 2026

Valuations represent typical cents-per-point you can achieve via transfer partners. Data loaded live from database.

ProgramPortal / DirectTransfer partner bestVs. cash comparison
Airline World of Hyatt Points0.8c/pt1.7000000000000002c/ptAbove avg
Airline Air Canada Aeroplan1c/pt1.5c/ptAbove avg
Airline Amex Membership Rewards1c/pt1.5c/ptAbove avg
Airline Chase Ultimate Rewards1.25c/pt1.5c/ptAbove avg
Airline Bilt Rewards1c/pt1.5c/ptAbove avg
Airline Atmos Rewards (Alaska + Hawaiian)1c/pt1.4000000000000001c/ptAverage
Airline American AAdvantage Miles1c/pt1.4000000000000001c/ptAverage
Airline ANA Mileage Club1c/pt1.4000000000000001c/ptAverage
Airline Citi ThankYou Points1c/pt1.35c/ptAverage
Airline Capital One Miles1c/pt1.35c/ptAverage
Airline Capital One Miles1c/pt1.35c/ptAverage
Airline Avios (BA / Aer Lingus / Iberia)1c/pt1.3c/ptAverage
Airline Southwest Rapid Rewards1.3c/pt1.3c/ptAverage
Airline JetBlue TrueBlue Points1.3c/pt1.3c/ptAverage
Airline Miles & More1c/pt1.3c/ptAverage
Airline United MileagePlus1c/pt1.25c/ptAverage
Airline Breeze BreezePoints1c/pt1.22c/ptAverage
Airline Air France-KLM Flying Blue1c/pt1.2c/ptAverage
Airline Emirates Skywards Miles1c/pt1.2c/ptAverage
Airline Delta SkyMiles1c/pt1.15c/ptAverage
Airline LATAM Pass Points1c/pt1.0999999999999999c/ptAverage
Airline Hawaiian Airlines Miles1c/pt1.0999999999999999c/ptAverage
Airline TAP Miles&Go1c/pt1.0999999999999999c/ptAverage
Airline Wells Fargo Rewards1c/pt1c/ptAverage
Airline Bank of America Travel Rewards1c/pt1c/ptAverage
Airline Princess Cruise Rewards1c/pt1c/ptAverage
Airline Frontier Miles1c/pt1c/ptAverage
Airline Cash back (1¢ per $1)1c/pt1c/ptAverage
Airline Wyndham Rewards Points0.8c/pt0.8999999999999999c/ptBelow avg
Airline Marriott Bonvoy Points0.6c/pt0.75c/ptBelow avg
Airline Choice Privileges Points0.5c/pt0.6c/ptBelow avg
Airline IHG One Rewards Points0.5c/pt0.6c/ptBelow avg
Airline Hilton Honors Points0.4c/pt0.5c/ptBelow avg
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Transfer path value comparison
Worth it. Beats the Flying Blue average. Your CPP: 2.33c
Your pointsTransfer ratioEffective milesYour CPPvs. cash
Chase UR1:1--2.33cGreat
Amex MR1:1--2.33cGreat
Citi TY1:1--2.33cGreat
Capital One1:1--2.33cGreat
Bilt1:1--2.33cGreat
Recommended path
Enter your balances in Tab 2 to see coverage
This trip requires 180,000 Hyatt miles.
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Progress toward trip
Maui0% covered
0 of 180,000 pts covered. Gap: 180,000 pts.
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Which points work
Hyatt miles -- direct
No transfer needed
Chase UR -> Hyatt
Ratio 1:1
Bilt -> Hyatt
Ratio 1:1
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Coverage breakdown
Enter balances in Tab 2
Then click Recalculate to see your coverage
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Active transfer bonuses

Limited-time bonuses for the selected trip’s program.

No active transfer bonuses for Hyatt right now. See every live transfer bonus →
We rank cards by estimated welcome bonus value toward your selected trip. Apply links go directly to issuer pages. Ranked by math. Compensation never changes the order.
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Cards that can cover this trip

These cards' welcome bonuses, once transferred to Hyatt, can help cover the 100k-260k pts needed for Maui.

Chase Sapphire Reserve for Business℠
Chase Sapphire Reserve for Business℠
Chase * Visa
Chase UR -> Hyatt 1:1
Welcome bonus
200,000 pts
Annual fee
$795
-> 200,000 Hyatt points after transfer
Rewards: 8X points on all purchases through Chase Travel℠, including The Edit, 5X total points on Lyft through 9/30/27. 4X points on flights & hotels booked direct, 3X points on social media & search engine advertising, 1X points on all other purchases
Welcome offer: Earn 200,000 bonus points after you spend $30,000 on purchases in the first 6 months after account opening.
Benefits: $300 annual travel statement credit * $250 credit for select Chase Travel Hotels * $500 credit for stays with The Edit * Complimentary access to Chase Lounges * $120 Global Entry or TSA PreCheck or NEXUS fee credit * Platinum Elite Status * $200 Google Workspace credit * $400 Zipcruiter credit * $420 DoorDash value * $120 Lyft credit
Apply ->
Chase Sapphire Reserve®
Chase Sapphire Reserve®
Chase * Visa
Chase UR -> Hyatt 1:1
Welcome bonus
100,000 pts
Annual fee
$795
-> 100,000 Hyatt points after transfer
Rewards: 8X points on Chase TravelSM purchases; 4X on flights and hotels booked direct; 3X on dining worldwide; 1X on all other purchases.
Welcome offer: Earn 100,000 points after you spend $6,000 in purchases in the first 3 months from account opening.
Benefits: Up to $300 in statement credits for travel purchases each account anniversary year * statement credit of up to $250 for each prepaid booking with The Edit, up to $500 annually * $550+ in value when you stay with The Edit * $250 credit for select Chase Travel Hotels through 12/31/26 * IHG® One Rewards Platinum Elite Status through December 31, 2027 * $850+ in value with the Chase Sapphire Reserve Lounge NetworkSM* * 1,300+ Priority PassTM airport lounges worldwide with up to two guests - valued at over $850 when you and your guests visit multiple times each year. * Global Entry, TSA PreCheck®, or NEXUS fee credit of up to $120 every four years
Apply ->
Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
Chase * Visa
Chase UR -> Hyatt 1:1
Welcome bonus
100,000 pts
Annual fee
$95
-> 100,000 Hyatt points after transfer
Rewards: Earn 3 points per $1 on the first $150,000 spent in combined purchases in shipping purchases, advertising purchases made with social media sites and search engines, Internet, cable and phone services, and travel; 5x points on Lyft rides through September 30, 2027; 1x point per $1 on all other purchases
Welcome offer: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening
Apply ->
Chase Sapphire Preferred® Credit Card
Chase Sapphire Preferred® Credit Card
Chase * Visa
Chase UR -> Hyatt 1:1
Welcome bonus
75,000 pts
Annual fee
$95
-> 75,000 Hyatt points after transfer
Rewards: 5X total points on travel purchased through Chase Travel, excluding hotel purchases that qualify for the $100 Annual Chase Travel Hotel Credit; 2X on other travel purchases; 3X points on dining, including eligible delivery services, takeout and dining out; 3X points on gas stations, EV charging and vacation homes at top brands; 3X points on online grocery purchases (excluding Target,* Walmart and wholesale clubs); 3X points on select streaming services; 1 point per dollar spent on all other purchases
Welcome offer: Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Bonus categories: dining * grocery * travel
Benefits: $100 annual Chase Travel hotel credit * 10% anniversary bonus * 1.5-1.75x point redemption boost via Chase Travel
Apply ->
Ink Business Cash
Ink Business Cash
Chase * Visa
Chase UR -> Hyatt 1:1
Welcome bonus
75,000 pts
Annual fee
$0
-> 75,000 Hyatt points after transfer
Transfers only when combined with a Sapphire or Ink Business Preferred
Rewards: Earn 5% cash back on the first $25,000 spent in combined purchases each account anniversary year at office supply stores and on internet, cable and phone services; 2% cash back on the first $25,000 spent in combined purchases each account anniversary year at gas stations and restaurants; 1% cash back on all other purchases; 5% cash back now through September 30, 2027 on Lyft rides
Welcome offer: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening
Apply ->
World of Hyatt Business Credit Card
World of Hyatt Business Credit Card
Chase * Visa
Earns Hyatt directly
Welcome bonus
70,000 pts
Annual fee
$199
-> 70,000 Hyatt points -- no transfer needed
Rewards: Earn 4 Bonus Points per $1 spent on qualifying purchases at Hyatt hotels and resorts; Plus up to 5 Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member; 2 Bonus Points per $1 spent in your top three categories each quarter; 1 point for all other purchases
Welcome offer: Earn 70,000 Bonus Points after you spend $7,000 on purchases in the first 3 months of account opening.
Bonus categories: business * hotel * grocery
Benefits: $100 Hyatt credit each anniversary year * Discoverist status
Apply ->
World of Hyatt Credit Card
World of Hyatt Credit Card
Chase * Visa
Earns Hyatt directly
Welcome bonus
60,000 pts
Annual fee
$95
-> 60,000 Hyatt points -- no transfer needed
Rewards: 9X points at Hyatt Hotels; 2X bonus points on airline tickets purchased directly from the airline, on local transit and commuting, which includes taxis, mass transit, tolls, parking and ride-share services and fitness club & gym memberships; 1X point on other purchases
Welcome offer: Earn up to 60,000 Bonus Points - 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening and up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Benefits: Annual free night * another free night if you spend $15,000 in a calendar year
Apply ->
Bilt Palladium Card
Bilt Palladium Card
Cardless * Mastercard
Bilt -> Hyatt 1:1
Welcome bonus
50,000 pts
Annual fee
$495
-> 50,000 Hyatt points after transfer
Rewards: 2X points on all everyday purchases (excluding housing) + 4% Bilt Cash on everyday spend. Housing payments: Use Bilt Cash to unlock points (no transaction fee) at 1X per $30 Bilt Cash per 1000 points; OR earn up to 1.25X via tiered system based on non-housing spend (need 100% of housing payment in non-housing spend for full 1.25X). Point accelerator: Use $200 Bilt Cash to earn +1X on next $5000 spend (up to 5X/year for max 3X everywhere)
Welcome offer: 50000 Bilt Points after $4000 spend in first 3 months + Bilt Gold Status (through end of calendar year earned plus following year) + $300 Bilt Cash upon approval
Benefits: $200 annual Bilt Cash * $400 annual Bilt Travel Hotel credit applied twice yearly as $200 statement credits * Priority Pass lounge access at 1,300+ airports
Apply ->
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2-card combinations
2-card combo
300,000 Hyatt points potential
combined welcome bonuses
Chase Sapphire Reserve for Business℠ 200,000 miles
transfers to Hyatt
Chase Sapphire Reserve® 100,000 miles
transfers to Hyatt
2-card combo
200,000 Hyatt points potential
combined welcome bonuses
Chase Sapphire Reserve® 100,000 miles
transfers to Hyatt
Ink Business Preferred® Credit Card 100,000 miles
transfers to Hyatt

Card data loads live from our database. Welcome bonus amounts change frequently, so verify with the issuer before applying.