What is the value of your Points and Miles??

What is the value of your points and miles??  The biggest question I get from my friends and family is “how much are my points worth?”  And my response is always “it depends on what points or miles you have!”

The typical rule of thumb is “a penny a point,” or 100,000 points equals $1,000.  But, what does this mean? When it comes to using points, we all want to get the most out of them. Therefore, you have to keep in mind that using points in place of cash may not always be the better option if a room or flight reservation is not valuing your points highly enough. “A penny a point” means that one point should be equal to the value of one penny when it comes to spending.

Despite the general rule of thumb being “a penny a point,” when it comes to looking at point values, they vary. So, we’ve compiled a list of each frequent flyer program and credit card’s point/mileage conversion for you.

I hope this helps you in deciding which program you may want to become loyal to, as well as maximizing the use of your points.


How to determine how much your points are worth:

The way to determine what your points are worth is simple.

  1. Start with the cash price of your ticket/hotel room in US dollars.
  2. Multiply that number by 100 to convert it from dollars to points.
  3. Divide the ticket or room cost by the number of points or miles you need to book your reservations.

If I was going to book a hotel room for $500, it should cost no more than 50,000 points. If the room costs upwards of 50,000 points, I, personally, would pay cash since my points are not being valued as highly.

Here is an example to help you better understand the conversion:  $500 (room price) x 100 (to convert dollars to points/pennies) = 50,000 points. This would equate to a penny per point.

If a reservation that is typically $500 requires less than 50,000 points to pay for, you would be saving money by using your points to pay for your room or airfare.  If your reservation would require more than 50,000 points, your airline or room would be giving you less than a point per penny being spent. Because your points are not being valued as highly, it would be better to pay with cash if your financial situation would allow for it.

Here is one more example of when to use points instead of cash. If that same room is $500 and they require 40,000 points, it equates to 1.25 cents per point, which is a better value for your points.

I hope this chart helps you in determining where to utilize your points for their best value.

What is the value of your Points and Miles?? Written by Marcy Ferruggia and Karly Trimble

Guide on points

Written by Marcy Ferruggia and Karly Trimble Image by Rawpixel.com/shutterstock


  1. Bob
    May 28, 2019 / 3:25 pm

    Great read

  2. June 27, 2019 / 8:46 am

    I’m still learning from you, but I’m trying to achieve my goals. I absolutely enjoy reading all that is written on your website.Keep the information coming. I loved it!

    • mbferruggia1
      June 27, 2019 / 11:42 pm

      Thanks for the feedback we really appreciate it. You can sign up from the website for our newsletter which comes out mid-month and it is our top three articles of the month. Love any suggestions !!! Again, thanks and have a great day

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