How much are your credit card points actually worth? Pick your currency, enter your balance, and see the estimated cash value — plus how far it gets you in Business Class.
Estimates based on typical well-booked award redemptions as of 2026. Actual value depends on the program, route, dates and availability — award charts change often. Not financial advice.
Every transferable currency has two very different values. The baseline value is what you get with zero effort — cash back, statement credits or the bank's travel portal, usually around 1 cent per point. The smart transfer value is what points are typically worth when transferred to airline partners and redeemed for well-priced awards: roughly 1.8–2.05 cents per point across Amex, Chase, Capital One, Citi and Bilt as of 2026, based on typical well-booked redemptions.
The gap between those two numbers is the entire game of award travel — and premium cabins are where it widens the most. A Business Class seat that sells for $4,000 and books for 60,000 points returns over 6 cents per point, triple the estimate this calculator uses.
As orientation for 2026: a well-booked one-way Business Class award typically runs 45,000–80,000 points to Europe and 55,000–110,000 to Asia, plus taxes and fees. The calculator uses mid-range benchmarks (60,000 one-way to Europe, 85,000 to Asia). Program pricing changes constantly, so always verify live award prices before transferring — our step-by-step booking guide walks through the whole process.
All five currencies in this calculator can book world-class premium cabins, but they differ in transfer partners, bonuses and earning power. Start with Credit Card Points vs Airline Miles if you're new, then see our 2026 ranking of transferable points to pick your ecosystem.
Business Class cash fares occasionally crash to levels where paying cash beats any award — and earns miles instead of burning them. FlyAlerts monitors fares 24/7 and alerts you the moment a route drops abnormally low.
Get fare alertsAs of 2026, major transferable points are typically worth around 1.8–2.05 cents each when transferred smartly to airline partners, versus roughly 1 cent through cash back or portals. Premium-cabin redemptions can push value well beyond that.
Because airline award charts price seats independently of cash fares. When you transfer points into miles and book a seat whose cash price is high relative to its award price, each point does more work.
No — they're editorial estimates of typical redemption value. Actual value depends on the program, route, dates and availability, and programs reprice regularly. Treat the numbers as orientation, not promises.