Credit Card Points Calculator: What Are Your Points Worth in 2026?

TL;DR — Quick Answer

• Most valuable transferable points: Amex Membership Rewards (~2.0¢) and Chase Ultimate Rewards (~2.05¢) when transferred to airline partners.
• Airline miles average: Delta 1.2¢ · United 1.3¢ · American Airlines 1.4¢ per mile on redemptions.
• Hotel points: Hyatt leads at 1.7¢ · Marriott 0.7–0.8¢ · Hilton 0.35–0.5¢ per point.
• Statement credits / cash back: Always the lowest value — avoid unless no other option exists.
• Below 0.8¢ per point? That’s when selling your points for cash often beats redeeming them. Get a free MilesBuyer quote at milesbuyer.com/sell-miles

Not all credit card points are worth the same — and even within the same program, the difference between the best and worst redemption can be 10x. A Chase point redeemed as cash back is worth 1 cent. Transferred to Hyatt for a Park Hyatt Tokyo award night, it can deliver 3 cents or more. Knowing which option applies to your specific balance, program, and travel plans is the difference between getting full value and leaving hundreds — or thousands — of dollars on the table.

What Are Your Credit Card Points Worth in 2026?

Here’s a complete breakdown of current valuations across all 11 programs, sourced from TPG May 2026, NerdWallet, and independent redemption data:

Sources: TPG May 2026, NerdWallet July 2026, FrequentMiler April 2026.

How to Calculate Credit Card Points Value (CPP)

Cents per point (CPP) is the universal measure of a loyalty point’s real dollar value. The formula is simple:

CPP = (Cash value of redemption ÷ Points required) × 100

Example: You transfer 60,000 Chase points to Air Canada Aeroplan and book a business class seat to Europe worth $3,600. CPP = ($3,600 ÷ 60,000) × 100 = 6.0¢ per point.

Here’s what different CPP levels mean in practice:

• 2.0¢+ per point — Excellent. You’re maximizing your points with premium transfers or top hotel redemptions.
• 1.5–2.0¢ per point — Good. Solid flight or hotel redemption, above portal baseline.
• 0.8–1.5¢ per point — Average. Domestic flights, economy, or portal bookings.
• Below 0.8¢ per point — Poor. Statement credits, gift cards, merchandise. Consider selling your points instead.

How to Use This Credit Card Points Calculator

Getting your points valuation takes under 30 seconds. Here’s exactly how it works:

1. Select your program from the dropdown — choose from 5 transferable credit card currencies, 3 airline programs, and 3 hotel programs.
2. Enter your points balance — type the number shown in your loyalty account.
3. Read your instant results — the value gauge moves in real time showing where your program sits on the poor-to-great spectrum. The results section shows your dollar value across every redemption type: transfer partners, portal, gift cards, statement credit, and a cash sale estimate via MilesBuyer.
4. Compare options — the full breakdown ranks every redemption from best to worst. The row highlighted in green is your highest-value option. The orange “Cash” row shows what selling to MilesBuyer could deliver.
5. Get a cash quote if it makes sense — if your best redemption CPP is under 1.0¢, or you simply prefer guaranteed cash, click any CTA to get a free no-obligation offer from MilesBuyer.

Note: All valuations are based on TPG May 2026, NerdWallet July 2026, and FrequentMiler April 2026 averages. Premium cabin transfers can deliver 2–3× the average figure shown.

Best vs. Worst Redemption Value Per Program (2026)

The spread between the best and worst use of your points is enormous. Here’s a side-by-side comparison:

The table makes one thing clear: how you redeem matters far more than how many points you have. 100,000 Amex points redeemed as a statement credit are worth $600. Transferred to Singapore Airlines KrisFlyer for a Suites redemption, those same points can be worth $8,000+.

When Does Selling Your Points Beat Redeeming Them?

Every calculator on the internet tells you what your points are worth for travel. What most don’t tell you is that for a significant portion of people, selling is the smarter financial move.

Consider selling your credit card points or miles when:

• Award availability is consistently unavailable on the routes you want. Premium cabin seats are limited and often gone months in advance.
• Your balance is larger than you can realistically use. 400,000 Chase points accumulated over years of business travel is hard to burn through on personal travel. A cash sale delivers real money today.
• You’re redeeming for low-value options. If your best option is a statement credit at 0.6–1.0¢ per point, a cash sale often compares favorably.
• Your card is closing. Chase, Amex, Citi, and Bilt points all expire within 30 days of account closure. Sell before you close.
• You need cash now. MilesBuyer pays via PayPal — typically within minutes of accepting an offer during business hours.

MilesBuyer buys points from all 11 programs in this calculator — Chase, Amex, Delta, United, American Airlines, Marriott, Hilton, and Hyatt. We’ve been buying miles and points for over 15 years with 50,000+ customers and a 4.9/5 Google Reviews rating. Get a free quote →

Program-by-Program Values (2026)

Chase Ultimate Rewards — Transferable · 14 partners

Amex Membership Rewards — Transferable · 16 airline partners

Capital One Miles — Transferable · 18 partners

Citi ThankYou Points — Transferable · 15 partners

Bilt Rewards — Transferable · rent earner

Delta SkyMiles — Airline · dynamic pricing

United MileagePlus — Airline · Star Alliance

American Airlines AAdvantage — Airline · Oneworld

Marriott Bonvoy — Hotel · 9,000+ properties

Hilton Honors — Hotel · dynamic pricing

World of Hyatt — Hotel · fixed award chart

Ready to Sell? Find Your Program Below

MilesBuyer buys points and miles from all 11 programs in this calculator:

• Chase Ultimate Rewards
• Amex Membership Rewards
• Delta SkyMiles
• United MileagePlus
• American Airlines AAdvantage
• Marriott Bonvoy
• Hilton Honors
• World of Hyatt
• Capital One, Citi & Bilt

Frequently Asked Questions

How do I calculate what my credit card points are worth? Multiply your points balance by the cents-per-point value for your program and redemption type. For example, 100,000 Chase Ultimate Rewards points transferred to a travel partner are worth approximately $2,050 at 2.05 cents per point. Use the calculator above to get an instant breakdown across all redemption options.

Which credit card points are worth the most in 2026? Amex Membership Rewards (~2.0¢) and Chase Ultimate Rewards (~2.05¢) are the most valuable transferable points when redeemed via airline transfer partners. For hotel points, World of Hyatt leads at ~1.7¢ per point. Hilton Honors is the least valuable major program at 0.35–0.5¢ per point.

What is cents per point (CPP) and what’s a good CPP? CPP measures how much a single point is worth in dollars. Calculate it as: (cash value ÷ points required) × 100. A CPP of 2.0¢+ is excellent — typical of premium international transfers. 1.0–1.5¢ is average. Below 0.8¢ is poor and often means you’d be better off paying cash or selling your points to MilesBuyer.

Can I sell my credit card points for cash? Yes. While selling points violates most programs’ terms of service, it is not illegal under U.S. federal law (Utah excepted). MilesBuyer buys points from Chase, Amex, Capital One, Citi, Delta, United, American Airlines, Marriott, Hilton, Hyatt, and more. We pay via PayPal before you transfer a single point.

When should I sell my points instead of redeeming them? Consider selling when you can’t find award availability on routes you want, your balance is larger than you can realistically use for travel, your card is closing (points expire within 30 days of closure for most programs), you’re currently redeeming at below 0.8¢ per point, or you simply need cash now. Get a free quote from MilesBuyer to see what your balance is worth today.

Do credit card points expire? It depends on the program. Chase, Amex, Capital One, and Bilt points don’t expire as long as your card account is open — but are forfeited within 30 days of account closure. American Airlines AAdvantage miles expire after 18–24 months of inactivity. Delta SkyMiles never expire. Hotel programs (Hyatt, Marriott, Hilton) expire after 24 months of inactivity.

Get a Free Quote for Your Points

Fill out the form below. Our team responds with a competitive cash offer within minutes — paid via PayPal before you transfer a single point.

Also selling specific miles or points? MilesBuyer buys Delta SkyMiles, United miles, American Airlines miles, Amex points, Chase Ultimate Rewards, hotel points, and dozens more programs.