By

Updated October 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
Live bonuses shown in Tab 4 — 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 — October 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.
Cards are ranked 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 your first 6 months from 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 $50 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 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: $50 annual hotel credit * 10% anniversary bonus * 1.5-1.75x point redemption boost via Chase Travel
Apply ->
World of Hyatt Credit Card
World of Hyatt Credit Card
Chase * Visa
Earns Hyatt directly
Welcome bonus
75,000 pts
Annual fee
$95
-> 75,000 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 75,000 bonus points - 45,000 Bonus Points after you spend $5,000 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 ->
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
60,000 pts
Annual fee
$199
-> 60,000 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 60,000 Bonus Points after you spend $5,000 on purchases within the first 3 months of accounts opening
Bonus categories: business * hotel * grocery
Benefits: $100 Hyatt credit each anniversary year * Discoverist status
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 of Bilt Cash issued annually * $400 Bilt Travel Hotel credit applied twice per year as $200 statement credits, for qualifying Bilt Travel Portal hotel bookings * Priority Pass worth $469/year)
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 — verify with the issuer before applying.

Destination Planner
Fly to Hawaii from 12,500 Points
Atmos and Aeroplan from 12,500 one-way, Hyatt Maui and Kauai categories, interisland flights and Hawaii's 2026 hotel taxes — checked September 2026.
Get the planner — $14