Points value calculator

Enter what the booking would cost in cash, what the award costs in points, and the taxes due on the award. You get the cents per point the redemption delivers — net of fees, judged against your program's baseline.

Sets the baseline the verdict judges against.

On the award booking, not the cash ticket. Surcharge-heavy programs (BA, Virgin) can run into the hundreds.

Enter the points cost and cash price to see what the redemption delivers.

Cents per point = (cash price − award taxes and fees) ÷ points × 100. Fees are netted out because you pay them either way. Baselines are editorial estimates in two lanes — typical (median achievable, the Frequent Miler / NerdWallet methodology) and maximum (optimized transfers, the TPG / Upgraded Points methodology) — and the verdict here judges against typical with a ±10% toss-up band.

Reference data as of 2026-07-01.