POINTS VALUE CALCULATOROPTIMIZATION ASSESSMENTTRANSFER PARTNER FINDERCARD MATCH QUIZNO SIGNUP

File Nº 09 — United States Tools

Work out what your points are actually worth.

No signup, no email gate, nothing stored. Put in a balance and a programme and you get a range — conservative, typical, optimal — rather than one confident number, because that is the honest shape of the answer.

*every figure on this page is quoted in USD and priced from the valuations we publish — where we have no valuation, the tool says so instead of guessing.

7
USD programmes valued: 7
Countries

The index

4 tools on file

Each one runs in the browser. Nothing is stored, nothing is emailed, and no result is gated behind an address.

i.Tool
Points Value Calculator
Pick a loyalty programme, enter a balance, and see what it is worth across conservative, typical, and optimal redemptions — quoted in that programme's own currency, and marked as a published rate or our estimate.
Open ↓
ii.Tool
Points Optimization Assessment
Set your monthly spending and see what a card would add over a flat 1× card in each category where we hold an earn rate quoted from the issuer's own page — every rate linked to its source.
Open ↓
iii.Tool
Transfer Partner Finder
Search an airline or hotel, enter a balance, and see which loyalty programmes move points to it, what the balance becomes, and how long it takes.
Open ↓

iv.Tool · its own page

Card Match Quiz

Four questions about your spending, goals, and credit, then a full ranking of the cards on file scored by estimated first-year value.

Take the quiz

Tool i — Calculator

What is a point actually worth?

Pick a programme, enter a balance, and read the three figures. Each one is quoted in that programme's own currency, and the rate behind it is on the same line.

10,000 Marriott Bonvoy points

Marriott Bonvoy valuations in USD
Redemption	Rate	Worth (USD)
ConservativeCash back, gift cards	0.5¢	$50
TypicalStandard travel redemption	0.8¢	$80
OptimalBest redemption	1.5¢	$150

Editorial estimate. Marriott Bonvoy publishes no fixed value for its points, and we hold no source for these rates — they are our judgement, in ¢ per point. Treat the range, not any one figure, as the answer.

Editorial notes — not checked against Marriott Bonvoy

Best uses

Category 1-4 hotels
5th night free benefit
Transfer to airline partners

Worst uses

Category 7-8 hotels during peak
Experiences

Tool ii — Assessment

The gap between a flat card and the best rates.

Set your monthly spending. The headline number and the table beneath it come from one calculation, so they agree by construction.

Nothing calculated yet

Set your monthly spending on the left, then press “See the gap”. Everything runs in your browser — nothing is sent anywhere and nothing is stored.

Tool iii — Transfers

Which programmes reach the airline you want?

Search a partner to see every route we hold into it, the ratio, and how long the transfer takes.

Search an airline or hotel

Points to move

42 routes across 30 partners

Accor

ALL - Accor Live Limitlesshotel1 route

Transfer routes into Accor
From	Ratio	Bonus	Minimum	Takes
Capital One MilesSource	2:1	Not on file	1,000	Not on file

Aer Lingus

AerClub (Avios)airline1 route

Transfer routes into Aer Lingus
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (US)Source	1,000:1,000	Not on file	1,000	48 hours

Aeromexico

Aeromexico Rewardsairline2 routes

Transfer routes into Aeromexico
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (US)Source	1,000:1,600	Not on file	1,000	48 hours
Capital One MilesSource	1:1	Not on file	1,000	Not on file

Air Canada

Aeroplanairline2 routes

Transfer routes into Air Canada
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (US)Source	1,000:1,000	Not on file	1,000	48 hours
Capital One MilesSource	1:1	Not on file	1,000	Not on file

Air France-KLM

Flying Blueairline2 routes

Transfer routes into Air France-KLM
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (US)Source	1,000:1,000	Not on file	1,000	48 hours
Capital One MilesSource	1:1	Not on file	1,000	Not on file

ANA (All Nippon Airways)

ANA Mileage Clubairline1 route

Transfer routes into ANA (All Nippon Airways)
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (US)Source	1,000:1,000	Not on file	1,000	4 days

Avianca

LifeMilesairline2 routes

Transfer routes into Avianca
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (US)Source	1,000:1,000	Not on file	1,000	72 hours
Capital One MilesSource	1:1	Not on file	1,000	Not on file

British Airways

The British Airways Club (Avios)airline2 routes

Transfer routes into British Airways
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (US)Source	1,000:1,000	Not on file	1,000	48 hours
Capital One MilesSource	1:1	Not on file	1,000	Not on file

Cathay Pacific

Asia Milesairline2 routes

Transfer routes into Cathay Pacific
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (US)Source	1,000:800	Not on file	1,000	48 hours
Capital One MilesSource	1:1	Not on file	1,000	Not on file

Choice Hotels

Choice Privilegeshotel2 routes

Transfer routes into Choice Hotels
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (US)Source	1,000:1,000	Not on file	1,000	48 hours
Capital One MilesSource	1:1	Not on file	1,000	Not on file

Delta Air Lines

SkyMilesairline1 route

Transfer routes into Delta Air Lines
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (US)Source	1,000:1,000	Not on file	1,000	48 hours

Emirates

Emirates Skywardsairline2 routes

Transfer routes into Emirates
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (US)Source	1,000:800	Not on file	1,000	48 hours
Capital One MilesSource	2:1.5	Not on file	1,000	Not on file

Etihad Airways

Etihad Guestairline1 route

Transfer routes into Etihad Airways
From	Ratio	Bonus	Minimum	Takes
Capital One MilesSource	1:1	Not on file	1,000	Not on file

EVA Air

Infinity MileageLandsairline1 route

Transfer routes into EVA Air
From	Ratio	Bonus	Minimum	Takes
Capital One MilesSource	2:1.5	Not on file	1,000	Not on file

Finnair

Finnair Plusairline1 route

Transfer routes into Finnair
From	Ratio	Bonus	Minimum	Takes
Capital One MilesSource	1:1	Not on file	1,000	Not on file

Hilton

Hilton Honorshotel1 route

Transfer routes into Hilton
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (US)Source	1,000:2,000	Not on file	1,000	24 hours

Iberia

Iberia Club (Avios)airline1 route

Transfer routes into Iberia
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (US)Source	1,000:1,000	Not on file	1,000	48 hours

Japan Airlines

JAL Mileage Bankairline1 route

Transfer routes into Japan Airlines
From	Ratio	Bonus	Minimum	Takes
Capital One MilesSource	2:1.5	Not on file	1,000	Not on file

JetBlue

TrueBlueairline2 routes

Transfer routes into JetBlue
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (US)Source	250:200	Not on file	250	48 hours
Capital One MilesSource	5:3	Not on file	1,000	Not on file

Marriott

Marriott Bonvoyhotel1 route

Transfer routes into Marriott
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (US)Source	1,000:1,000	Not on file	1,000	48 hours

Preferred Hotels & Resorts

I Prefer Hotel Rewardshotel1 route

Transfer routes into Preferred Hotels & Resorts
From	Ratio	Bonus	Minimum	Takes
Capital One MilesSource	1:2	Not on file	1,000	Not on file

Qantas

Qantas Frequent Flyerairline2 routes

Transfer routes into Qantas
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (US)Source	500:500	Not on file	500	48 hours
Capital One MilesSource	1:1	Not on file	1,000	Not on file

Qatar Airways

Privilege Club (Avios)airline2 routes

Transfer routes into Qatar Airways
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (US)Source	1,000:1,000	Not on file	1,000	48 hours
Capital One MilesSource	1:1	Not on file	1,000	Not on file

Singapore Airlines

KrisFlyerairline2 routes

Transfer routes into Singapore Airlines
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (US)Source	1,000:1,000	Not on file	1,000	48 hours
Capital One MilesSource	1:1	Not on file	1,000	Not on file

TAP Air Portugal

Miles&Goairline1 route

Transfer routes into TAP Air Portugal
From	Ratio	Bonus	Minimum	Takes
Capital One MilesSource	1:1	Not on file	1,000	Not on file

The Leading Hotels of the World

Leaders Clubhotel1 route

Transfer routes into The Leading Hotels of the World
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (US)Source	1,000:250	Not on file	1,000	72 hours

Turkish Airlines

Miles&Smilesairline1 route

Transfer routes into Turkish Airlines
From	Ratio	Bonus	Minimum	Takes
Capital One MilesSource	1:1	Not on file	1,000	Not on file

Virgin Atlantic

Flying Clubairline1 route

Transfer routes into Virgin Atlantic
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (US)Source	1,000:1,000	Not on file	1,000	48 hours

Virgin Red

other1 route

Transfer routes into Virgin Red
From	Ratio	Bonus	Minimum	Takes
Capital One MilesSource	1:1	Not on file	1,000	Not on file

Wyndham

Wyndham Rewardshotel1 route

Transfer routes into Wyndham
From	Ratio	Bonus	Minimum	Takes
Capital One MilesSource	1:1	Not on file	1,000	Not on file

Ratios, bonuses, minimums and times as recorded in our partner table — follow “Source” to check a route against the programme, which can change it without notice. “Becomes” applies the ratio and any recorded bonus, rounded down; it does not know a programme’s transfer increments. Transfers are one-way and cannot be reversed, so confirm the award you want before you move anything.

Questions

About these numbers

Where do the point valuations come from?

For every programme on this page, the figures are our own editorial estimates: we have not quoted them from any programme's page, we hold no source for them, and the calculator labels every one as an estimate. We give a conservative, a typical and an optimal figure because what a point is worth depends on how you redeem it — treat the range, not any one figure, as the answer.

What happens when a figure is not published?

The tools say so instead of filling the gap. In the calculator, a tier the programme's page does not state reads "Not published" — it is never shown as zero or borrowed from the tier beside it. In the assessment, a category with no verified earn rate counts for nothing and is labelled as such, and if no category can be priced the result reads "Not available". A blank is more useful than a number we cannot stand behind.

What does the Points Assessment actually measure?

For each spending category where we hold an earn rate quoted from a card issuer's own product page — 3 of 5 categories on this page — it works out what that one card would earn on your spending over a flat card earning 1 point (or 1%) per unit, applies any annual spend cap the issuer's page states, and values the difference at that programme's own valuation. The other categories are shown as having no verified rate and add nothing. It does not know what your current cards earn — you are not asked, and no card is looked up — so the figure is the gap to one reference card, not a measurement of what you are losing.

How does the Transfer Partner Finder work?

Search an airline, a hotel or the programme you hold, and it lists every route we have a record of, with the transfer ratio, how long the transfer takes, any minimum transfer, and a link to the page the route can be checked on. Enter a balance and it shows what that balance becomes on each route, rounded down, because programmes do not credit part of a point; it does not model transfer increments. Where we hold no ratio or timing for a route, the cell says "Not on file" rather than guessing. Transfers are one-way and cannot be reversed, so check the award you want before you move anything.

Do you store anything I enter?

No. Every tool on this page runs entirely in your browser. Nothing you type is sent to a server, no result is emailed, and no address is collected.