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Points Valuator: How Much Are Your Points and Miles Worth in Dollars?
A balance is not a dollar amount
Your loyalty accounts show you numbers like 80,000 points, 45,000 miles and 150,000 points. None of those numbers tells you what you actually have. A point in one program can be worth five times a point in another, so the biggest balance in your wallet is often not the most valuable one.
The Points Valuator turns those balances into dollars. Add your airline, hotel and credit card points, and it multiplies each balance by AwardHack's value for that program, then adds everything up into one total. It covers 36 programs: 21 airlines, 7 hotel chains and 8 credit card rewards currencies, it's free, and you don't need an account.
How to use the Points Valuator
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Add your airline miles. In Airline Programs, pick a program from the list and type your balance in the Points box. Each program in the dropdown shows its value in cents next to the name.
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Add hotel and credit card points. Do the same under Hotel Programs and Credit Card Rewards. Click Add another to add more than one program in a section.
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Click Calculate Value. The Total Estimated Value card shows your whole portfolio in dollars.
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Read the breakdown. Below the total, the Breakdown lists each program on its own line, for example
Chase (Ultimate Rewards) (Credit Card): 80,000 points * 2.00¢ = $1,600.00, so you can see which balances carry the most value. -
Start over with Reset. The Valuator doesn't save anything. If you want to keep your balances and watch them over time, add them to the Points Tracker instead.
Tip: Enter the balance you'd actually have after any pending transfers. If you're about to move 50,000 Chase points to United, value them as United miles, not as Chase points.
The math
Every line in the breakdown uses the same formula:
Dollar value = points × value per point (in cents) ÷ 100
Then the Valuator adds up the lines. Here's a typical wallet, using the values in the tool today:
| Program | Balance | Value per point | Dollar value |
|---|---|---|---|
| Chase Ultimate Rewards | 80,000 | 2.00¢ | $1,600.00 |
| Amex Membership Rewards | 60,000 | 1.99¢ | $1,194.00 |
| Marriott Bonvoy | 120,000 | 0.93¢ | $1,116.00 |
| United MileagePlus | 45,000 | 1.99¢ | $895.50 |
| Hilton Honors | 150,000 | 0.59¢ | $885.00 |
| Total | 455,000 | $5,690.50 |
The largest balance, 150,000 Hilton points, is worth the least. The 80,000 Chase points are worth almost twice as much, with barely half the points. That's the whole reason to value a portfolio in dollars instead of counting points.
What 10,000 and 100,000 points are worth
These are AwardHack's current values for every program in the Valuator, ranked from highest to lowest. They're the same numbers shown in the Point Valuations Reference tables on the tool page.
Credit card points
| Program | Value per point | 10,000 points | 100,000 points |
|---|---|---|---|
| Wells Fargo Rewards | 2.38¢ | $238 | $2,380 |
| Citi ThankYou Rewards | 2.29¢ | $229 | $2,290 |
| Bilt Rewards | 2.05¢ | $205 | $2,050 |
| Capital One miles | 2.04¢ | $204 | $2,040 |
| Chase Ultimate Rewards | 2.00¢ | $200 | $2,000 |
| Amex Membership Rewards | 1.99¢ | $199 | $1,990 |
| Brex | 1.60¢ | $160 | $1,600 |
| Barclaycard | 1.00¢ | $100 | $1,000 |
Hotel points
| Program | Value per point | 10,000 points | 100,000 points |
|---|---|---|---|
| World of Hyatt | 2.19¢ | $219 | $2,190 |
| Wyndham Rewards | 1.30¢ | $130 | $1,300 |
| Choice Privileges | 1.26¢ | $126 | $1,260 |
| Marriott Bonvoy | 0.93¢ | $93 | $930 |
| IHG One Rewards | 0.68¢ | $68 | $680 |
| Hilton Honors | 0.59¢ | $59 | $590 |
| Radisson Rewards | 0.41¢ | $41 | $410 |
Airline miles
| Program | Value per point | 10,000 miles | 100,000 miles |
|---|---|---|---|
| Aer Lingus AerClub | 3.73¢ | $373 | $3,730 |
| Virgin Atlantic Flying Club | 3.60¢ | $360 | $3,600 |
| Lufthansa Miles & More | 3.20¢ | $320 | $3,200 |
| Iberia Club Avios | 2.94¢ | $294 | $2,940 |
| Korean Air SKYPASS | 2.87¢ | $287 | $2,870 |
| Avianca LifeMiles | 2.85¢ | $285 | $2,850 |
| Cathay | 2.83¢ | $283 | $2,830 |
| American AAdvantage | 2.56¢ | $256 | $2,560 |
| British Airways Club Avios | 2.55¢ | $255 | $2,550 |
| Qatar Airways Privilege Club | 2.55¢ | $255 | $2,550 |
| Singapore KrisFlyer | 2.46¢ | $246 | $2,460 |
| Alaska Atmos Rewards | 2.18¢ | $218 | $2,180 |
| Air France-KLM Flying Blue | 2.16¢ | $216 | $2,160 |
| United MileagePlus | 1.99¢ | $199 | $1,990 |
| Air Canada Aeroplan | 1.87¢ | $187 | $1,870 |
| Emirates Skywards | 1.55¢ | $155 | $1,550 |
| Southwest Rapid Rewards | 1.52¢ | $152 | $1,520 |
| Delta SkyMiles | 1.34¢ | $134 | $1,340 |
| SAS EuroBonus | 1.25¢ | $125 | $1,250 |
| JetBlue TrueBlue | 1.24¢ | $124 | $1,240 |
| Allegiant Allways Rewards | 1.00¢ | $100 | $1,000 |
What the numbers tell you
Hotel points are cheap by design. The average hotel value in the Valuator is about 1.05¢, against about 2.30¢ for airline miles and 1.92¢ for credit card points. Hotel programs simply hand out more points per dollar and charge more points per night. A 60,000-point hotel night and a 60,000-mile flight are not the same price.
The hotel spread is wide. It takes about 37,000 Hilton points to equal the value of 10,000 Hyatt points (2.19 ÷ 0.59 is about 3.7). Radisson sits at the bottom at 0.41¢, so 100,000 Radisson points come to about $410.
Bank points sit in a tight band. Six of the eight credit card currencies fall between 1.99¢ and 2.38¢. Amex, Chase, Citi, Capital One, Bilt and Wells Fargo points are valued mostly for what they can become: they transfer to airline and hotel programs, so their value tracks the partners you'd move them to. Barclaycard points, valued at 1.00¢, are redeemed mainly at a fixed value rather than transferred, which is why they sit at the floor.
Airline miles span almost four to one. Aer Lingus AerClub tops the list at 3.73¢ and Allegiant sits at 1.00¢. The top of the list is dominated by programs that are mostly used for long-haul premium cabins, where the cash fares that awards replace are high.
Valuations are averages, not prices
A valuation is a benchmark, not a quote. Treat the total as a reasonable estimate of what your points are worth when you redeem them well, not as a cash-out price. Three things move your real number:
- How you redeem. Business class awards usually return far more per point than economy flights or gift cards. Cash-back style redemptions often pay around 1¢ per point or less. Chase Ultimate Rewards, for example, cash out at 1¢, half of the 2.00¢ benchmark.
- Program changes. Award prices rise and transfer ratios change. In June 2026, Chase announced that Sapphire Preferred transfers to World of Hyatt would move to 4:3 instead of 1:1 (effective immediately for new applicants and on October 1, 2026 for existing cardmembers). Changes like that shift what a currency is worth in practice.
- Expiration. Points that expire are worth nothing. Several big programs wipe your balance after 12 to 36 months without activity. The Points Tracker records your last activity date and shows when each balance expires.
To check whether a specific redemption beats the benchmark, use the Points vs Cash calculator, which lets you override the default value with your own. To see what you've actually been getting, log your bookings in the Redemption Tracker.
Ways to raise the dollar value of the same points
Move bank points before you redeem, not before you need to. Bank currencies are valued highly because they keep their options open. Once you transfer to an airline or hotel, the points take on that program's value and you can't move them back. Check the Transfer Tool for ratios and the current transfer bonuses before any transfer.
Look at award prices, not just valuations. The Award Flight Pricer shows what a route costs in miles across programs, so you can see which of your balances books the trip for the fewest points.
Don't sit on large balances. Points don't earn interest, and award prices tend to rise over time. A balance with a plan is worth more than a bigger one without one.
What the Valuator doesn't do
- It doesn't save your balances. Close the tab and they're gone. Use the Points Tracker to keep a running record.
- It doesn't connect to your accounts. You type the balances in.
- It doesn't take custom valuations. Every program uses AwardHack's value. For a one-off redemption with your own number, use Points vs Cash.
- It doesn't cover every program. The 36 programs cover the major US airline, hotel and bank currencies. If a program isn't listed, the Valuator can't price it.
Frequently asked questions
How much are my points worth in dollars?
Multiply your balance by the program's value in cents, then divide by 100. At AwardHack's current values, 80,000 Chase Ultimate Rewards points are worth about $1,600 and 150,000 Hilton points about $885. The Points Valuator does this for every program you hold and adds up the total.
How much are 100,000 points worth?
It depends entirely on the program. At AwardHack's values, 100,000 points are worth about $2,000 in Chase Ultimate Rewards, $1,990 in Amex Membership Rewards, $2,190 in World of Hyatt, $930 in Marriott Bonvoy and $590 in Hilton Honors. The tables above list all 36 programs.
What does cents per point mean?
Cents per point (cpp) is the dollar value of one point, expressed in cents. A program valued at 2.00¢ means 10,000 points are worth $200. It's the standard way to compare programs whose points are priced very differently.
Why are hotel points worth less than airline miles?
Hotel programs award many more points per dollar spent and charge many more points per night, so each individual point is worth less. In the Valuator, hotel points average about 1.05¢ against about 2.30¢ for airline miles.
Which points are worth the most?
Among airline programs, Aer Lingus AerClub (3.73¢), Virgin Atlantic Flying Club (3.60¢) and Lufthansa Miles & More (3.20¢) are at the top. World of Hyatt (2.19¢) leads the hotels, and Wells Fargo Rewards (2.38¢) and Citi ThankYou (2.29¢) lead the credit card currencies.
Can I cash out my points for the valuation shown?
Usually not. The valuation reflects a good redemption, not a cash-out rate. Cash back and statement credits typically pay 1¢ per point or less, so redeeming that way gets you less than the Valuator's estimate.
Does the Points Valuator save my balances?
No. It's a one-off calculator and doesn't store anything. To save balances, see their combined value over time and track expiration dates, use the Points Tracker.
Where do the valuations come from?
They're AwardHack's own estimates of what each program's points are typically worth when redeemed, listed in the reference tables on the tool page. The same values power the Points vs Cash calculator and the trackers, so your numbers stay consistent across tools.
The bottom line
Points only mean something once they're in dollars. Enter every balance you have, click Calculate Value, and look at which programs carry the most weight. If the answer surprises you, that's the point: the biggest number in your wallet is rarely the most valuable one.