One of many questions individuals typically ask us is, “How a lot is some extent or mile price?”
The true reply varies from level to level and individual to individual. It additionally is dependent upon your journey objectives and the way a lot you maximize a specific loyalty forex. Nonetheless, some rewards are price greater than others, and our purpose is to offer you a way of how they stack up.
Traditionally, TPG has valued factors and miles based mostly on a mixture of things: the worth at which we’d buy the factors or miles, award prices in this system (factoring in availability and charges), and our experience in this system’s inside workings.
Nevertheless, we now make the most of in depth information for the highest seven U.S. airline loyalty applications to extra precisely estimate the worth you must purpose to attain out of your rewards. Learn our explainer submit on our data-driven valuations for a full methodology breakdown.
What are bank card factors and miles price?
What are Bilt Rewards Factors price?
What are airline factors and miles price?
*Calculated utilizing TPG’s data-backed valuations methodology launched in September 2023.
What are resort factors price?
Calculating valuations for transferable factors and miles
It’s possible you’ll be questioning how TPG calculates the worth of transferable factors and miles — particularly since these valuations are sometimes increased than the valuations listed by the airline and resort switch companion applications to which you’ll be able to switch factors and miles.
Having redeemed thousands and thousands of transferable factors and miles, we now have developed our personal proprietary formulation which incorporates:
- The bottom worth of redeeming miles immediately by way of every issuer’s portal for journey
- The worth of widespread cash-equivalent redemptions like present playing cards and assertion credit
- Any distinctive methods to maximise journey worth immediately with the issuer, resembling Chase Final Rewards unique Points Boost offer
- The variety of airline and resort switch companions, balanced towards the worth of every companion’s rewards forex
- Whether or not the issuer presents uniquely beneficial switch companions, resembling Citi ThankYou Rewards’ partnership with American Airlines’ AAdvantage program
- The worth of the flexibleness of getting many choices to switch to airline and resort applications
Devaluations, typically with out discover, are an unfortunate reality of the points and miles world. For this reason we’re such strong proponents of earning transferable points and miles.
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In case your favourite airline or resort program unexpectedly will increase its redemption charges (as some have in the previous couple of months), you may merely select to switch transferable factors and miles to a different program which will now supply higher worth. Nevertheless, in the event you had been incomes factors or miles with the airline or resort program, you would be caught with the now-less-valuable rewards.
Associated: Why transferable points and miles are worth more than other rewards
Prime presents for incomes factors and miles in January
Listed here are among the greatest choices this month for these in search of a brand new travel rewards card that earns transferable factors or miles.
American Categorical Platinum Card
Discover out your supply on the American Express Platinum Card® and see if you’re eligible for as excessive as 175,000 Membership Rewards factors after spending $8,000 on purchases within the first six months of card membership. Welcome presents differ, and also you will not be eligible for a suggestion.
There are a bunch of latest advantages for the recently refreshed Platinum Card, together with the next new assertion credit:
- As much as a $75 quarterly Lululemon statement credit for purchases made at U.S. shops (excluding shops) and on-line**
- As much as a $200 annual Oura Ring assertion credit score (for {hardware} purchases solely; not for memberships)**
- As much as a $100 quarterly assertion credit score for U.S. Resy restaurant purchases**
- As much as a $120 annual assertion credit score for Uber One membership (topic to auto-renewal)**
The cardboard’s hotel statement credit elevated to as much as $600 every year (as much as $300 biannually) once you e-book pay as you go American Express Fine Hotels + Resorts or The Hotel Collection*** stays by way of American Express Travel®, and the digital entertainment statement credit has been raised to as much as $25 per thirty days, with Paramount+, YouTube Premium and YouTube TV added.**
**Enrollment is required.
***The Lodge Assortment requires a minimal two-night keep.
The annual payment is now $895 (see rates and fees). To be taught extra about all of the adjustments, together with new resort standing and eating perks, take a look at our full review of the American Express Platinum Card.
Official utility hyperlink: American Express Platinum Card
Chase Sapphire Reserve
The Chase Sapphire Reserve® (see rates and fees) presently presents 125,000 bonus factors after you spend $6,000 on purchases within the first three months from account opening. You may as well check Chase’s prequalification tool to search out out in the event you’re eligible for as much as 175,000 bonus factors (with the identical spending necessities).
The recently refreshed card has up to date incomes charges, together with 8 factors per greenback spent on purchases made by way of Chase Travel℠ (together with The Edit hotel bookings), 4 factors per greenback spent on flights booked immediately and 4 factors per greenback spent on inns booked immediately.
The brand new annual payment is $795, however cardholders will rise up to $500 in statement credits for hotel bookings made with The Edit every calendar yr (as much as $250 in credit biannually on pay as you go bookings with The Edit of two or extra nights), as much as $300 in assertion credit every calendar yr for eating at eating places which can be a part of Sapphire Reserve Exclusive Tables (as much as $150 in credit biannually), and extra.
Try our Chase Sapphire Reserve card review to be taught extra.
Official utility hyperlink: Chase Sapphire Reserve
Chase Sapphire Reserve for Enterprise
Chase unveiled a brand-new enterprise card in 2025, the Chase Sapphire Reserve for Business℠ (see rates and fees). This card has a large welcome supply of 200,000 bonus factors after you spend $30,000 on purchases within the first six months from account opening.
This product earns 8 factors per greenback spent on purchases by way of Chase Journey (together with The Edit), 4 factors per greenback spent on flights and inns booked immediately, and three factors per greenback spent on social media and search engine promoting. It comes with a number of versatile assertion credit however has an annual payment of $795.
See our Chase Sapphire Reserve for Business card review for extra data.
Official utility hyperlink: Chase Sapphire Reserve for Business
Capital One Enterprise X Enterprise
The Capital One Venture X Business is providing its highest welcome supply ever. New candidates can earn 200,000 bonus miles after spending $30,000 on purchases within the first three months from account opening, and a further 200,000 bonus miles after spending a complete of $150,000 on purchases within the first six months.
This card has an annual payment of $395, however you will obtain a $300 annual travel credit to make use of with Capital One Enterprise Journey. You may additionally obtain 10,000 miles each account anniversary date (beginning in your first anniversary) in addition to complimentary entry to Capital One airport lounges.
You will get nice worth out of your Capital One miles by transferring them to 15-plus airline and hotel partner programs.
Try our Capital One Venture X Business card review for extra particulars.
Be taught extra: Capital One Venture X Business
Capital One Enterprise Rewards Credit score Card
The Capital One Venture Rewards Credit Card presents 75,000 bonus miles after you spend $4,000 on purchases throughout the first three months from account opening. The annual payment for the Capital One Enterprise card is $95 — an inexpensive quantity for a card with such a beneficiant welcome supply.
See our Capital One Venture Rewards card review for extra particulars.
Be taught extra: Capital One Venture Rewards Credit Card
American Categorical Gold Card
Some of the widespread playing cards with TPG staffers, the American Express® Gold Card lets new cardholders discover out their supply and see if they’re eligible for as excessive as 100,000 Membership Rewards factors after they spend $6,000 on purchases throughout the first six months of card membership. Welcome presents differ, and also you will not be eligible for a suggestion.
The American Categorical Gold Card is nice for a lot of on a regular basis purchases. You’ll earn 4 factors per greenback spent on groceries at U.S. supermarkets (on as much as $25,000 in purchases per calendar yr, then 1 level per greenback spent) and 4 factors per greenback spent at eating places worldwide (on as much as $50,000 in purchases per calendar yr, then 1 level per greenback spent).
The cardboard has a $325 annual payment (see rates and fees), so take a look at our Amex Gold review to find out whether or not it is a good match.
Official utility hyperlink: American Express Gold Card
For charges and charges of the Amex Platinum, click on here.
For charges and charges of the Amex Gold, click on here.