Question 1

What is a good cents-per-point value?

Accepted Answer

A redemption worth 1.5 cents per point or more is generally a good deal for transferable currencies like Chase Ultimate Rewards or Amex Membership Rewards. Below 1.0 cent per point, you are usually better off paying cash and saving your points, because most cards let you redeem points for 1.0 to 1.25 cents each toward travel.

Question 2

How do you calculate cents per point?

Accepted Answer

Take the cash price of the flight or hotel, subtract any taxes and fees you still pay on the award booking, then divide by the number of points used and multiply by 100. For example, a $600 flight booked for 30,000 points with $50 in taxes is (600 - 50) / 30000 x 100 = 1.83 cents per point.

Question 3

Which points are worth the most?

Accepted Answer

World of Hyatt points are consistently among the most valuable at 2.0 to 2.3 cents each. Transferable currencies like Chase Ultimate Rewards and Amex Membership Rewards can reach 2.0 cents when transferred to the right airline or hotel partner. Hotel points from Hilton and IHG are typically worth 0.5 to 0.7 cents each.

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