Points Valuation Guide

How to value Chase UR, Amex MR, Capital One miles, and Citi ThankYou points

Why Points Values Vary

Not all points are created equal. A Chase Ultimate Rewards point redeemed for cash back is worth 1.0¢, but transferred to Hyatt for a Category 4 hotel, it can be worth 2.0¢ or more. The card's transfer partners are what unlock premium value.

Chase Ultimate Rewards

💵 Statement credit: 1.0¢/pt
✈️ Travel portal: 1.25–1.5¢/pt
🏨 Transfer to Hyatt: ~2.0–2.5¢/pt
✈️ Transfer to United: ~1.5–2.0¢/pt
Best value: ~2.0¢/pt via transfers

Amex Membership Rewards

💵 Statement credit: 0.6¢/pt
✈️ Travel portal: 1.0¢/pt
✈️ Transfer to Air France/KLM: ~2.0¢/pt
✈️ Transfer to ANA: ~2.5¢/pt
Best value: ~2.0¢/pt via transfers

Capital One Miles

💵 Statement credit: 1.0¢/mi
✈️ Travel portal: 1.0¢/mi
✈️ Transfer to Air Canada: ~1.5–2.0¢/mi
✈️ Transfer to Turkish: ~1.7¢/mi
Best value: ~1.7¢/mi via transfers

Citi ThankYou Points

💵 Statement credit: 1.0¢/pt
✈️ Travel portal: 1.0¢/pt
✈️ Transfer to Turkish: ~1.5–2.0¢/pt
✈️ Transfer to Air France: ~1.5¢/pt
Best value: ~1.5¢/pt via transfers

⚠️ Not financial advice. Point values are estimates based on typical transfer partner redemptions. Actual value depends on specific award availability, travel dates, and redemption choice. We may earn commissions from affiliate links.