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Points & Miles Valuation Guide

Cents-per-point (CPP) estimates for every major loyalty program. Know what you have before you redeem.

Last verified: June 2026 · Always verify with your program before booking

Credit Card Points Programs

Program	Low CPP	High CPP	Our Estimate	Best Use
Chase Ultimate Rewards US	1.5¢	2.2¢	2¢	Transfer to Hyatt, United, or Singapore Airlines for premium cabin awards
Amex Membership Rewards US	1.5¢	2.1¢	2¢	Transfer to ANA, Air Canada Aeroplan, or Delta SkyMiles for maximum value
Citi ThankYou Points US	1.2¢	1.8¢	1.7¢	Transfer to Turkish Miles&Smiles for Star Alliance awards or Avianca LifeMiles
Capital One Miles US	1¢	1.8¢	1.7¢	Transfer to Turkish Miles&Smiles, Air Canada Aeroplan, or Flying Blue for partner awards
HDFC Bank SmartBuy Points India	0.25¢	0.5¢	0.35¢	Redeem via SmartBuy portal for flights or transfer to InterMiles or Singapore KrisFlyer
Axis Edge Rewards India	0.2¢	0.45¢	0.3¢	Transfer to InterMiles for domestic Indian awards or Singapore KrisFlyer for international
Amex India Membership Rewards India	0.3¢	0.6¢	0.45¢	Transfer to British Airways Avios for short-haul awards or Marriott Bonvoy

Hotel Points Programs

Program	Low CPP	High CPP	Our Estimate	Best Use
World of Hyatt	1.5¢	2.3¢	1.9¢	Category 1–3 properties and Park Hyatt or Alila properties in Asia
Hilton Honors	0.4¢	0.6¢	0.5¢	Fifth Night Free benefit and aspirational properties like Maldives overwater villas
Marriott Bonvoy	0.6¢	0.9¢	0.75¢	Category 4 hotels and transfer to airline partners (5,000 point transfer bonus at 60k)
IHG One Rewards	0.4¢	0.7¢	0.55¢	Fourth Night Free and Kimpton/Six Senses properties with the IHG One Rewards Premier Card
Accor Live Limitless (ALL)	0.2¢	0.35¢	0.27¢	Sofitel, Pullman, and Fairmont properties; good value in Middle East and SE Asia

Airline Miles Programs

Program	Low CPP	High CPP	Our Estimate	Best Use
Delta SkyMiles US Airlines	1¢	1.5¢	1.2¢	Last-minute domestic awards and partner airline (Air France, KLM, Korean Air) business class
United MileagePlus US Airlines	1.2¢	1.6¢	1.35¢	Saver awards on United and Star Alliance partners; ANA first class is a legendary sweet spot
American AAdvantage US Airlines	1.2¢	1.7¢	1.4¢	Cathay Pacific and Japan Airlines business class; partner carrier business saver rates
Emirates Skywards Middle East	0.9¢	1.3¢	1.1¢	Emirates First Class with private suites; transfer from Chase or Amex
Qatar Airways Privilege Club Middle East	1¢	1.5¢	1.2¢	Oneworld partner awards in business class (British Airways, American, Cathay Pacific)
Air India Flying Returns India	0.6¢	1¢	0.8¢	India–USA routes in business class; Star Alliance partner awards
Singapore KrisFlyer Asia	1.1¢	1.6¢	1.35¢	Singapore Airlines Suites and business class; Star Alliance partner awards
British Airways Avios Europe	1¢	1.6¢	1.3¢	Short-haul distance-based awards (under 1,000 miles) on BA and Iberia; Aer Lingus transatlantic
Lufthansa Miles & More Europe	0.8¢	1.2¢	1¢	Star Alliance partner awards in Europe; Lufthansa Business Class sweet spots
InterMiles India	0.2¢	0.45¢	0.3¢	IndiGo and Air Arabia domestic/regional flights for Indian travelers

Methodology: CPP estimates are based on the best available redemptions as of June 2026, cross-referenced with The Points Guy, Upgraded Points, and NerdWallet valuations. Low CPP = average redemption; High CPP = best-case redemption. Always verify with your program before booking. Point values are estimates and can change.