What are your points worth?
The same pile of points can be worth half a cent each or two cents each, depending on which button you press. The cheat sheet puts the numbers for 15 programs on one printable page, so you know before you redeem.
What's on it:
- What each program pays in cash, from the issuers' own terms. That's your floor.
- What its points are typically worth, from published valuations, so you can spot a great redemption.
- One line on how to use each one: Chase, Amex, Capital One, Citi, Bilt, Wells Fargo, Bank of America, Discover, Delta, United, American, Southwest, Marriott, Hilton and Hyatt.
- The ten-second check that tells you whether the redemption in front of you clears the floor.
Here's a peek at the first three:
| Program | Cash out | Typical value |
|---|---|---|
| Chase Ultimate Rewards | 1¢ | 1.7–2.05¢ |
| American Express Membership Rewards | 0.6¢ | 1.7–2¢ |
| Capital One Miles | No cash option | 1.7–1.85¢ |
| + 12 more programs and how to use each one in the free PDF, including Citi, Bilt, Delta, United, Marriott and Hyatt. | ||
Cash out is from each program's own terms. Typical values: The Points Guy (November 2026); One Mile at a Time (November 2026). Checked November 8, 2026.
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What every major card's points are worth, and the floor never to redeem below. Free, updated monthly, plus one email a month with the best of the channel.
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