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Your wallet, translated
Know what your points could be worth.
One spend. Three readings.
No payment card requiredManual wallet setup availableMath and sources shown
Sample household spend · 30% above 2024 U.S.
Groceries · $674/month
About 2,697 points/month at 4 points per $1.
Estimated rewards value
Same spend · same verified snapshot · three readings
| Reading | Month | 1 year | 5 years |
|---|---|---|---|
ConservativeiCurrent baseline value. | $16.18 | $194 | $971 |
AverageiAwardWallet member-booking average. | $53.94 | $647 | $3,236 |
HighestiHighest modeled current transfer-partner average. | $100.60 | $1,207 | $6,036 |
Illustrative sample · if this spend held · before annual fees · not a guarantee.
Verified snapshot · Aug 13, 2026.
Conservative = current baseline · Average = AwardWallet member-booking average · Highest = highest modeled current transfer-partner average.
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Coming with betaDemo
94cards with sourced rules
46rewards currencies
Three readingsone verified snapshot
$0affiliate influence
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One story, three surfaces
The same readings follow you into Wallet and Points Strategy.
Wallet applies Conservative, Average, and Highest to balances. Points Strategy tests a card choice across the same three readings before naming a leader.
See a balance three ways.
Keep existing points separate from projections, and show when a currency has no distinct higher modeled reading.
See WalletTest whether the recommendation holds.
Show Month, 1 year, and 5 years for the approved sample only if that spend held.
See Points StrategySample wallet demos
Three value readings, a program change, and Instant Read with its math.
Real examples: what one transferable balance could be worth, a transfer rate about to change, and five sample questions with the arithmetic shown.
Sample transferable balance · 115,000 points
Your points, translated
One balance · three modeled dollar readings
i
Current baseline value.i
AwardWallet member-booking average.i
Highest modeled current transfer-partner average.Sample only · values are modeled, not cash balances or guaranteed outcomes.
Verified snapshot · Aug 13, 2026.
Conservative = current baseline · Average = AwardWallet member-booking average · Highest = highest modeled current transfer-partner average.
Program-change demo
Chase to World of Hyatt
Before1:1
1,000 Chase → 1,000 Hyatt
After4:3
Hyatt points
Effective October 1, 2026
Sapphire Preferred and Ink Business Preferred change to 4:3. Sapphire Reserve keeps 1:1. Bilt remains 1:1. Source and next step included.
Sapphire Preferred and Ink Business Preferred change to 4:3. Sapphire Reserve keeps 1:1. Bilt remains 1:1. Source and next step included.
Coming to Beta + Pro. No invented urgency.
Ask P&P AI demo
Ask a question. Watch the numbers make the call.
Pick a common points decision, then see the sample inputs, arithmetic, and answer. Switch questions whenever you want.
- Denver to San Francisco: points or cash?
- Hyatt transfer bonus
- 4× vs 2× on groceries
- Denver to London award
- Chicago hotel: points or cash?
Pick a question
Points vs cashSample snapshot · Aug 14, 2026
Should I use 48,000 credit card points or pay $640 for Denver to San Francisco round trip?
A value check for this specific flight.
Denver to San Francisco is $640 cash round trip or 48,000 credit card points. Which way should I book?
First, turn the award into cents per point. Then compare that rate with three sample ways to value the credit card points.
Visible mathCash price ÷ points
Cash price$640
Points price48,000
Break-even: $640 ÷ 48,0001.33¢ per point
$480Conservative · 1.00¢
$720Average · 1.50¢
$960Highest · 2.00¢
1.33¢ per point is the break-even line.Value the credit card points below 1.33¢ and the 48,000-point award costs less than $640 cash. Value them above 1.33¢ and paying cash preserves more modeled value.
Demo scenarios only · sample arithmetic, not live availability, advice, or a guaranteed outcome
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Program library
Every program we track, in one place.
Cards, airlines, and hotels — what each program is, how it’s structured, and how they connect. ✓ verified August 13, 2026
Swipe for more →
Find the right home for your points.
All 38 airline & hotel points programs — Average redemption value
Every loyalty program Points & Prompts tracks, with its Average redemption value in cents per point (verified August 13, 2026), its type, and which transferable bank currencies feed into it. A point is not a point: the values below span roughly 6× from the most valuable to the least.
| Program | Type | Alliance / transfers in | Average value (¢ / point) |
|---|---|---|---|
| Aer Lingus AerClub | Airline | No alliance · transfers in from Amex MR, Chase UR, Bilt, Wells Fargo | 3.73¢ |
| Virgin Atlantic Flying Club | Airline | No alliance · transfers in from Amex MR, Chase UR, Citi TYP, Bilt, Wells Fargo | 3.47¢ |
| Lufthansa Miles&More | Airline | Star Alliance | 3.20¢ |
| Iberia Avios | Airline | Oneworld · transfers in from Amex MR, Chase UR, Bilt, Wells Fargo | 2.86¢ |
| Korean Air SkyPass | Airline | SkyTeam | 2.86¢ |
| Cathay | Airline | Oneworld · transfers in from Amex MR, Citi TYP, Capital One, Bilt, Wells Fargo | 2.82¢ |
| Avianca LifeMiles | Airline | Star Alliance · transfers in from Amex MR, Citi TYP, Capital One, Bilt, Wells Fargo | 2.81¢ |
| American AAdvantage | Airline | Oneworld · transfers in from Citi TYP | 2.56¢ |
| British Airways Avios | Airline | Oneworld · transfers in from Amex MR, Chase UR, Capital One, Bilt, Wells Fargo | 2.55¢ |
| Singapore KrisFlyer | Airline | Star Alliance · transfers in from Amex MR, Chase UR, Citi TYP, Capital One | 2.50¢ |
| Alaska / Atmos Rewards | Airline | Oneworld · transfers in from Bilt | 2.32¢ |
| Air France–KLM Flying Blue | Airline | SkyTeam · transfers in from Amex MR, Chase UR, Citi TYP, Capital One, Bilt, Wells Fargo | 2.17¢ |
| United MileagePlus | Airline | Star Alliance · transfers in from Chase UR, Bilt | 2.04¢ |
| Air Canada Aeroplan | Airline | Star Alliance · transfers in from Amex MR, Chase UR, Capital One, Bilt | 1.86¢ |
| Emirates Skywards | Airline | No alliance · transfers in from Amex MR, Citi TYP, Capital One, Bilt | 1.55¢ |
| Southwest Rapid Rewards | Airline | No alliance · transfers in from Chase UR, Bilt | 1.52¢ |
| Delta SkyMiles | Airline | SkyTeam · transfers in from Amex MR | 1.35¢ |
| Frontier Miles | Airline | No alliance | 1.30¢ |
| JetBlue TrueBlue | Airline | No alliance · transfers in from Amex MR, Chase UR, Citi TYP, Capital One, Wells Fargo | 1.24¢ |
| Japan Airlines Mileage Bank | Airline | Oneworld · transfers in from Capital One, Bilt | 1.20¢ |
| TAP Air Portugal Miles&Go | Airline | Star Alliance · transfers in from Capital One, Bilt | 1.00¢ |
| Aeromexico Rewards | Airline | SkyTeam · transfers in from Capital One | 0.75¢ |
| Turkish Miles&Smiles | Airline | Star Alliance · transfers in from Citi TYP, Capital One, Bilt | — |
| ANA Mileage Club | Airline | Star Alliance · transfers in from Amex MR | — |
| EVA Air Infinity | Airline | Star Alliance · transfers in from Citi TYP, Capital One | — |
| Qatar Avios | Airline | Oneworld · transfers in from Amex MR, Citi TYP, Capital One, Bilt | — |
| Qantas | Airline | Oneworld · transfers in from Amex MR, Citi TYP, Capital One | — |
| Finnair Avios | Airline | Oneworld · transfers in from Capital One | — |
| Etihad Guest | Airline | No alliance · transfers in from Citi TYP, Capital One, Bilt | — |
| Costco Cash Back | Cashback | Cash back · not transferable | — |
| World of Hyatt | Hotel | transfers in from Chase UR, Bilt | 2.19¢ |
| Wyndham Rewards | Hotel | transfers in from Chase UR, Citi TYP, Capital One, Bilt, Wells Fargo | 1.40¢ |
| Choice Privileges | Hotel | transfers in from Citi TYP, Capital One, Wells Fargo | 1.22¢ |
| Marriott Bonvoy | Hotel | transfers in from Amex MR, Chase UR, Bilt | 0.93¢ |
| IHG One Rewards | Hotel | transfers in from Chase UR, Bilt | 0.69¢ |
| Hilton Honors | Hotel | transfers in from Amex MR, Bilt | 0.62¢ |
| Best Western Rewards | Hotel | — | 0.60¢ |
| Accor Live Limitless | Hotel | transfers in from Citi TYP, Capital One, Bilt | — |
Values are Average-redemption estimates from AwardWallet, verified August 13, 2026, and change when programs devalue. A dash means no published Average value for that program yet. The interactive Programs reference also shows Conservative; Highest appears only when a current transfer-partner reading is distinct. Not financial advice.
Your wallet
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Reference library
Sources, dates, and changes behind the numbers
Check the source and verification date for each dataset. Browse loyalty-program changes or open the public data library.
Methodology & Data
Point-value sources, Conservative / Average / Highest definitions, and update dates.
Read the methodology
Updates
Dated changes to programs, transfer partners, and valuations, with source links when available.
See recent updates
Elite Status
Tier requirements and benefits from each airline or hotel program's published pages.
Explore elite status
Program name map
Names used by this site, AwardWallet, and issuer transfer lists. Download CSV or JSON, or connect the data to Google Sheets or Excel.
Open the name map
You can read these pages without an account. Data verified August 13, 2026.
Elite status
Elite status perks across every major airline and hotel program we track — what each tier actually requires, and what you get once you're there.
Verified as of: August 13, 2026
Pulled straight from each program's own pages — but these programs change their rules often, so it's worth confirming the details before you commit to a tier.
Recent Points & Programs Updates
Program rate changes, transfer-partner additions and removals, and valuation shifts — tracked as they happen, with a source link where we have one.
Verified as of: August 13, 2026
How we verify our numbers
AwardWallet supplies Average point values. Issuer and program pages supply transfer ratios, card facts, and status rules.
Verified as of: August 13, 2026
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Go deeper in your own AI
"Your own AI" means the ChatGPT, Claude, or Gemini you already use elsewhere — a full, ongoing conversation. Reach for it when you want to dig deeper than a quick answer, or you'd rather keep working in the assistant you already have open.
Copy the prompt below and paste it in — it already includes your wallet, your question, what Points & Prompts already told you, and a Source line pointing back to pointsandprompts.com so your AI can double-check the numbers instead of guessing.
Your balances are included only if you've added them. Nothing leaves your device until you tap. The prompt cites pointsandprompts.com so your AI can check our numbers.