How Much Are Credit Card Points Worth?

By Bryce Casson, Founder · Cardocrat · Updated July 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. For a currency-by-currency breakdown of what each program is worth, see what your points and miles are worth.

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.

See exactly what an award costs

Stop guessing at point values. Look up the real award price and live availability for a specific trip before you transfer.

Search award flights on seats.aero →  ·  Search award stays on rooms.aero →

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.

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Bryce Casson

Written by Bryce Casson, Founder of Cardocrat. About the author and how we rank cards.