What are your points worth?
A point is only worth what you redeem it for. These are Credit Upside's conservative mid-range values for 25 major US rewards currencies — deliberately not the best-case numbers points blogs quote. A 1¢ value equals a plain cash-back point.
Updated 2026-09-16
Two points can be worth the same cent and still not be equal. A currency that reaches 25 airline and hotel programs gives you somewhere to spend it; one locked to a single airline doesn't. The partner counts below are the honest measure of that — Bilt Points leads with 18 airline and 7 hotel partners. Compare every program's partners →
Transferable bank points
Move to airline and hotel partners — the most useful kind, because one balance reaches many programs.
| Program | Our value | Airline partners | Hotel partners | Cards that earn it |
|---|---|---|---|---|
| Bilt Points transfers → | 1.80¢ | 18 | 7 | 1 |
| Capital One miles transfers → | 1.30¢ | 18 | 4 | 6 |
| Chase Ultimate Rewards transfers → | 1.25¢ | 11 | 3 | 4 |
| Amex Membership Rewards transfers → | 1.10¢ | 16 | 3 | 9 |
| Citi ThankYou points transfers → | 1.10¢ | 13 | 3 | 3 |
Airline miles
Locked to a single airline and its alliance.
| Program | Our value | Airline partners | Hotel partners | Cards that earn it |
|---|---|---|---|---|
| Alaska miles | 1.40¢ | — | — | 4 |
| AAdvantage miles | 1.35¢ | — | — | 5 |
| Aeroplan points | 1.35¢ | — | — | 1 |
| JetBlue TrueBlue | 1.30¢ | — | — | 3 |
| Avios | 1.30¢ | — | — | 3 |
| United miles | 1.25¢ | — | — | 6 |
| Southwest Rapid Rewards | 1.20¢ | — | — | 5 |
| Flying Blue | 1.20¢ | — | — | 1 |
| Delta SkyMiles | 1.15¢ | — | — | 7 |
Hotel points
Locked to a single hotel group.
| Program | Our value | Airline partners | Hotel partners | Cards that earn it |
|---|---|---|---|---|
| World of Hyatt points | 1.50¢ | — | — | 2 |
| Marriott Bonvoy points | 0.70¢ | — | — | 6 |
| Wyndham Rewards | 0.60¢ | — | — | 4 |
| Choice Privileges | 0.60¢ | — | — | 2 |
| Hilton Honors points | 0.50¢ | — | — | 4 |
| IHG points | 0.50¢ | — | — | 3 |
Bank rewards points
The bank's own points — redeem for travel or cash, but they don't transfer out.
| Program | Our value | Airline partners | Hotel partners | Cards that earn it |
|---|---|---|---|---|
| Bank of America points | 1.00¢ | — | — | 6 |
| U.S. Bank points | 1.00¢ | — | — | 5 |
| Wells Fargo Rewards points | 1.00¢ | — | — | 2 |
| Navy Federal points | 1.00¢ | — | — | 3 |
| PenFed points | 0.85¢ | — | — | 2 |
Why our numbers are lower than the blogs
Points valuations you see elsewhere often reflect the best redemption a currency can produce — a perfectly-timed business-class transfer. Real people redeem all over the map, so we value every currency at a conservative mid-range instead. That means our "best card" rankings never crown a card just because it earns a flashy currency. Read the full methodology →
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
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