Loyalty Points Value Calculator
Find out exactly what your reward points or miles are worth in cash, travel, or redemptions.
e.g. 1.0¢ = each point is worth $0.01
How Point Values Are Determined
Loyalty points don't have a fixed universal value — each program sets its own redemption rates, and the value you get depends heavily on how you redeem them.
- Cash back / statement credit — the simplest and most predictable value, usually 0.6¢–1¢ per point
- Travel portal redemptions — typically 1–1.5¢ per point through the bank's own travel booking site
- Transfer partner redemptions — often the highest value (1.5¢–2¢+), but require savvy booking to international business class or partner award space
- Retail/gift cards — usually the worst value, often 0.5¢ or less per point
Hotel points (Marriott, Hilton) fluctuate widely by property and season. A Marriott point might be worth 0.3¢ at a budget property but over 1¢ at a Category 8 resort.
Airline miles are most valuable for premium cabin international redemptions. Delta SkyMiles and United miles can be worth 1.2–2¢+ on the right routes.
Starbucks Stars operate differently — 25 Stars = $0.50 reward food/drink item (only redeemable in-store), so each star is worth about $0.02 in-store value.
The values shown are approximate averages. Your actual value will vary based on redemption choices.