Tools & calculators

Free calculators for valuing points, choosing cash or awards, and mapping Chase transfers. Built on verified July 2026 program rules — every formula nets out fees, and every verdict says what it's judged against.

Value your points

What a balance is worth, and what a specific redemption delivers.

Points value calculatorEnter a redemption's cash price, points cost, and fees — get the cents per point it delivers, judged against your program's baseline.Points to dollarsConvert a Chase, Amex, Capital One, Citi, or Bilt balance to dollars — typical value and the optimized-transfer ceiling, shown separately.Miles to dollarsThe same conversion for airline miles and hotel points, from United to Hyatt.Award flight costThe all-in cost of an award flight — taxes plus what the miles themselves are worth, not taxes alone.

Cash or points?

The booking-time decision, with a toss-up band instead of a knife edge.

Cash vs points — flightsShould this flight be cash or miles? Net cents per point vs your program's baseline.Cash vs points — hotelsSame call for hotel nights, across Hyatt, Marriott, IHG, Hilton and more.

Transfers

Where Chase points can go, and how to reach programs they can't.

Chase transfer partnersAll 14 current partners with ratios, transfer times, and live bonuses — Emirates is gone, Wyndham is new, and the table knows it.Points path finderDirect and two-hop routes between programs — including the Marriott bridge to AA, Alaska, ANA and others Chase can't reach.

Hotel math

Stay-length benefits and point sales, with the eligibility rules as they actually are.

Fifth night freeMarriott and Hilton 5th-night-free, IHG's 4th — who actually qualifies, and what a long stay saves.Buy points calculatorWhether a points sale beats paying cash, with annual purchase caps and top-ups factored in.

Avios & British Airways

Distance-band pricing and the post-2025 revenue-based Club.

Avios award calculatorPick any two airports — get the one-way partner Avios price from the current post-devaluation distance bands.Avios value calculatorWhat your Avios are worth, and what a specific redemption delivers after surcharges — the part most calculators skip.BA tier pointsThe revenue-based Club system: tier points from fare, add-ons, and cabin bonuses, mapped to Bronze through Gold Guest List.