By Bryce Casson, Founder · Cardocrat · Updated June 2026
The short answer: As a baseline, value every point at 1 cent, roughly what you get redeeming for cash or statement credit. Transferable bank points can be worth more through airline and hotel transfers; airline and hotel points are often worth less.
The honest baseline: 1 cent
Cardocrat values every point and mile at a flat 1 cent. That is close to what most points fetch as cash back or a statement credit, and it lets every card be compared on the same honest footing without inflated numbers. Treat 1 cent as the floor.
When points are worth more
Transferable bank points (Chase, Amex, Citi, Capital One, Bilt) can exceed a cent when moved to airline and hotel partners, especially for business and first class where the cash price is high. This upside is real, but only if you travel and find award space.
When points are worth less
Airline miles and hotel points are often worth around a cent or less, and programs can devalue them. Co-branded card points are locked to one brand. That is why we do not inflate hotel and airline valuations: the honest number protects you from overestimating a card.
Frequently asked questions
How much is a credit card point worth?
About 1 cent as a baseline, roughly the cash or statement-credit value. Transferable bank points can be worth more through travel transfers; airline and hotel points are often worth a cent or less.
Why does Cardocrat value points at 1 cent?
Because it is an honest, consistent floor that lets every card be compared fairly. Inflated valuations make weak cards look good; 1 cent shows the real baseline, with travel transfers as upside on top.
Bryce Casson, Founder of Cardocrat. Every card is ranked by what it actually returns, with all points valued at a flat 1 cent and offers verified against issuer sources. About the author.
