Instantly estimate the USD (or any currency) value of your reward points & miles
Values are community estimates (The Points Guy, NerdWallet). Actual value depends on redemption.
| Program | Type | Points | ¢/pt | Est. USD Value | Est. Value | Notes | |
|---|---|---|---|---|---|---|---|
| No entries yet — add your first loyalty program above. | |||||||
* Estimated values use community average CPP rates. Actual redemption value will vary. For reference only.
Loyalty Points Converter is a free online tool that helps travelers instantly calculate the real dollar value of their reward points and miles across 20+ major loyalty programs — including Marriott Bonvoy, Hilton Honors, World of Hyatt, Chase Ultimate Rewards, Amex Membership Rewards, Delta SkyMiles, United MileagePlus, and more.
We built this tool because figuring out what your points are actually worth shouldn't require spreadsheets or hours of research. Enter your points, pick your program, and get an instant estimated value — in USD or any of 30 global currencies.
Point valuations are based on community consensus estimates from trusted sources including The Points Guy and NerdWallet. Exchange rates are sourced live from the European Central Bank via Frankfurter.
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Last updated: June 2025
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🌐 loyaltypointsconverter.com
July 2026 · Hotel Points · 6 min read
Marriott Bonvoy is one of the world's largest hotel loyalty programs, with over 30 hotel brands and 9,000+ properties. But with so many redemption options, it can be hard to know when your points are actually worth redeeming — and when you'd be better off paying cash.
Average value: Marriott Bonvoy points are worth approximately 0.7–0.9 cents per point. That means 50,000 points ≈ $350–$450.
The best value redemptions are at lower-category properties. Category 1 hotels start at just 7,500 points per night — in expensive cities this can mean outstanding value over 0.8¢/pt.
Book 5 consecutive nights on points and Marriott gives you the 5th night free — an effective 20% discount on longer stays.
Example: 5 nights × 30,000 pts = 150,000 pts normally. With 5th night free: 120,000 pts. You save 30,000 points (~$210–$270 in value).
Always search off-peak dates when redeeming — you save 10–20% vs standard pricing. Avoid peak dates which cost 15–20% more points.
Transfer at 3:1 ratio (3 Bonvoy = 1 airline mile). Every 60,000 pts transferred earns a 5,000-mile bonus. Only worthwhile if topping off a specific account.
| Redemption Type | Value/Point | Verdict |
|---|---|---|
| Hotel free nights (Cat 1–4) | 0.8–1.2¢ | ✅ Best value |
| Hotel free nights (Cat 5–8) | 0.7–0.9¢ | ✅ Good |
| Airline transfer (with bonus) | 0.6–0.8¢ | ⚠️ When needed |
| Amazon/gift cards | 0.2–0.4¢ | ❌ Avoid |
How much are your Marriott points worth?
July 2026 · Credit Card Points · 7 min read
Chase Ultimate Rewards and American Express Membership Rewards are the two most popular transferable credit card currencies in the US. Both let you transfer to airlines and hotels — but which one is actually worth more?
Quick answer: Chase points are worth ~1.5–2.0¢ through Chase Travel. Amex points are worth ~1.0–2.0¢. Chase wins for casual redeemers; Amex wins for luxury travelers.
Chase Ultimate Rewards
Amex Membership Rewards
| Redemption | Chase | Amex |
|---|---|---|
| Travel portal value | 1.5¢ (Reserve) | 1.0¢ |
| Best transfer partner | Hyatt 1.5–2.5¢ | ANA 2.0–3.0¢ |
| Hyatt access | ✅ Yes | ❌ No |
| Delta access | ❌ No | ✅ Yes |
| Emirates access | ❌ No | ✅ Yes |
| Number of partners | 14 | 20+ |
Choose Chase if you want simple redemptions, transfer to Hyatt or United, or book via travel portal.
Choose Amex if you want maximum luxury flight value via Emirates, ANA, or Delta miles.
💡 Pro tip: Many experienced travelers hold both to cover all partners.
See how much your Chase or Amex points are worth
July 2026 · Points Strategy · 5 min read
You've been collecting miles and points for months — maybe years. But how do you know if a redemption is actually a good deal? The answer comes down to one simple calculation: cents per point (CPP).
Find the cash price of the flight or hotel you want
Find the points price for the same booking
Divide cash price by points, multiply by 100 → your CPP
Compare to the benchmark — if above, redeem. If below, hold.
✅ Good redemption
Delta flight: $350 cash or 25,000 miles → CPP = 1.4¢ (above 1.2¢ benchmark) → Redeem
❌ Poor redemption
Marriott hotel: $120 cash or 30,000 pts → CPP = 0.4¢ (below 0.6¢ benchmark) → Pay cash
⭐ Excellent redemption
Hyatt Tokyo: $500 cash or 25,000 pts → CPP = 2.0¢ (above 1.7¢ benchmark) → Definitely redeem
| Program | Min CPP | Good CPP |
|---|---|---|
| Chase Ultimate Rewards | 1.0¢ | 1.5¢+ |
| Amex Membership Rewards | 1.0¢ | 1.5¢+ |
| World of Hyatt | 1.2¢ | 1.7¢+ |
| Marriott Bonvoy | 0.6¢ | 0.8¢+ |
| Hilton Honors | 0.3¢ | 0.5¢+ |
| Delta SkyMiles | 0.9¢ | 1.2¢+ |
| United MileagePlus | 1.0¢ | 1.3¢+ |
| Southwest Rapid Rewards | 1.3¢ | 1.5¢+ |
Skip the math — use our free calculator
⚖️ Legal Disclaimer
For Reference Only. All point valuations, estimated USD values, and currency conversions displayed on this tool are provided for general informational and reference purposes only. They do not constitute financial advice, investment advice, or a recommendation to purchase, redeem, transfer, or otherwise use any loyalty points, miles, or rewards currency.
No Guarantee of Accuracy. Point valuations are community estimates based on publicly available data from third-party sources (including but not limited to The Points Guy and NerdWallet) and may not reflect current, actual, or achievable redemption values. Loyalty program terms, award charts, and point values are set solely by the respective program operators and are subject to change at any time without notice.
Exchange Rates. Currency exchange rates are sourced from the European Central Bank (ECB) via Frankfurter and are updated periodically. They are indicative rates only and may differ from rates offered by banks, currency exchanges, or other financial institutions at the time of any actual transaction.
Affiliate Links. This page may contain affiliate links to third-party credit card, hotel, and travel booking products. We may receive compensation if you click a link and are approved for a product. This compensation does not influence our point valuations or editorial content.
No Liability. We make no representations or warranties of any kind, express or implied, regarding the completeness, accuracy, reliability, or suitability of the information provided. Your use of this tool and any reliance on the figures displayed is entirely at your own risk. We shall not be liable for any loss, damage, or inconvenience arising from your use of, or inability to use, this tool or its outputs.
Independent Verification. Always verify point values and redemption options directly with the relevant loyalty program before making any financial or travel decisions. Consult a qualified financial advisor if you require personalised advice.
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