How Much Are Your Points Worth?

Select your rewards currency and enter your balance to see estimated values across different redemption methods. Scenario data was last maintained on January 31, 2026; review current program terms before using it.

Chase Ultimate Rewards

100,000 points

Cash back (statement credit)
1 cents per point
$1,000
Chase Travel Portal
1.25 cents per point
$1,250
Chase Sapphire Reserve portal
1.5 cents per point
$1,500
Transfer partners (average)
1.8 cents per point
$1,800
Transfer partners (sweet spots)
2.5 cents per point
$2,500
These are existing editorial scenarios, not guaranteed redemption rates. Rankings use the lowest listed estimate for each supported currency. Check issuer terms for your card before redeeming.

Point Valuations at a Glance

CurrencyLowest EstimateMiddle ScenarioHighest Estimate
Chase
1c1.25c2.5c
American Express
0.6c1c2.2c
Citi
0.5c1c2c
Capital One
0.5c1c1.8c
Marriott
0.5c0.7c1.2c
Hilton
0.4c0.5c0.6c
Delta
1c1.1c1.5c
United
1.1c1.8c2c
Southwest
1.1c1.4c1.4c

Frequently Asked Questions

How much is a Chase Ultimate Rewards point worth?

A Chase Ultimate Rewards point is worth 1 cent as cash back, 1.25 cents through the Chase travel portal (1.5 cents with Sapphire Reserve), and up to 1.8-2.5 cents when transferred to airline and hotel partners.

How much is an Amex Membership Rewards point worth?

An Amex MR point is worth about 0.6 cents as a statement credit, 1 cent through the Amex travel portal, and 1.5-2.2 cents when transferred to airline partners.

What is the best way to redeem credit card points?

Transferring points to airline and hotel loyalty programs generally offers the highest value. Cash back and statement credits typically give the lowest value per point.

Do credit card point values change?

Point values fluctuate based on award availability, airline/hotel pricing, and program changes. The values shown are estimates based on typical redemptions.