How we value a point
A point isn't a dollar. Every number on this site converts points to cash using one published set of mid-range values — deliberately conservative, never an issuer's best-case redemption. Here's the whole list, so you can check our work.
Why publish this? Because the point value is the single assumption that drives every dollar figure we show. Most rewards sites quote aspirational values that make their numbers bigger. We do the opposite, and we show our work: if your own redemptions are better or worse, you can override any of these per-currency inside the app and every number recalculates.
| Currency | Our value / point |
|---|---|
| Cash back | 1.00¢ |
| World of Hyatt | 1.70¢ |
| American AAdvantage | 1.35¢ |
| Air Canada Aeroplan | 1.35¢ |
| Alaska Mileage Plan | 1.40¢ |
| Chase Ultimate Rewards | 1.25¢ |
| United MileagePlus | 1.25¢ |
| Capital One miles | 1.30¢ |
| Southwest Rapid Rewards | 1.30¢ |
| Avios | 1.30¢ |
| JetBlue TrueBlue | 1.30¢ |
| Air France-KLM Flying Blue | 1.20¢ |
| Delta SkyMiles | 1.15¢ |
| Amex Membership Rewards | 1.10¢ |
| Citi ThankYou | 1.10¢ |
| Barclays points | 1.10¢ |
| Wells Fargo Rewards | 1.00¢ |
| Bilt Points | 1.80¢ |
| Bank of America points | 1.00¢ |
| U.S. Bank points | 1.00¢ |
| Marriott Bonvoy | 0.85¢ |
| Wyndham Rewards | 1.10¢ |
| Hilton Honors | 0.50¢ |
| IHG One Rewards | 0.50¢ |
Values are estimates for typical, achievable redemptions — not the ceiling a points hobbyist can reach, and not the floor of a cash-out. Airline and hotel currencies vary the most by how you redeem; we pick a defensible middle. Cash-back currencies are always 1.00¢.
Override them yourself
If you know your Amex points are worth 1.6¢ to you, or your hotel points less, set your own value in the app under Settings → point values. The app marks every number that's using your custom value instead of ours, so an optimistic assumption can never quietly masquerade as our research.