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What are miles and points worth? Valuation for airline and hotel programs

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Assigning a value to the miles and points you earn from your travels or a rewards credit card can be challenging, especially if you’re trying to compare them to cash rewards. What you save on travel will depend on the price in points at the time you travel, which can vary widely, and the amount you’d save in cash by using rewards points for travel. That can depend on your own tastes and preferences, in addition to the prevailing rates at the time you travel.

With that said, here are our estimates for what miles and points in major U.S. airline and hotel programs are worth for travelers willing to be flexible when making a redemption. We assumed the cash value was the cost to take the same flight, or stay in the same hotel as the one you’re booking with miles or points.

The values are in a ‘cents per point’ metric for easy comparison if you’re considering an intro bonus or choosing between programs for a reward. For example, a program where points are worth 1 cent each would require about 10,000 points to get $100 in travel value.

These values are not intended to be cash values, are illustrative, can change at any time, and may not be what you ultimately achieve, so consider them accordingly.

Airline Miles

Alaska MileagePlan – 2.0 cents. If you like to use international awards, Alaska has some of the most lucrative options available, and we value them at over 2 cents each if you save them for big business and first class awards. For standard domestic travel, the value is closer to 1.25 cents each. Alaska charges for awards based on a menu of prices, and has three levels of prices for its own flights, which dilutes value during popular times.

American AAdvantage® – 1.7 cents. Award prices are based on a menu of Saver and Anytime awards, with a separate menu for partner awards. We value AAdvantage miles at about 1.8 cents each, which is about the price you can often buy these miles when American puts on special buy miles promotions. You can sometimes get more value by being flexible and booking Saver or partner awards when cash tickets are expensive. The big drag on value for American miles for international flights are fuel surcharges on British Airways, which often cost more than just buying the cheapest economy fare outright.

If you’re not flexible, expect the miles to be worth closer to 1 cent each.

Delta SkyMiles® – 1.5 cents. There’s no published award chart for Delta miles, and we value them at about 1.5 cents each. Delta tends to tie award prices more closely to the actual cash airfare than American or United, making getting outsized value harder. But there are still decent deals like Economy Class to Europe and some domestic awards for as few as 5,000 miles one way. At minimum, you can get 1 cent per mile in value from Delta SkyMiles if you hold a Delta SkyMiles® Credit Card and use the Pay With Miles feature. That lets you use miles to pay for some or all of the cost of a cash ticket, with 10,000 miles worth $100.

JetBlue True Blue – 1.4 cents. JetBlue prices award tickets based on the cash cost of a ticket, though because of leverage on taxes and fees you can get better value booking cheaper tickets with points. You’ll also find economy class fares on less popular flights have a more favorable value than Mint first class seats on peak flights.

Southwest Rapid Rewards® – 1.3 cents. Southwest awards are priced directly based on the cash price of tickets. Every dollar of airfare requires about 78 points, which works out to a value of about 1.3 cents per point. The actual travel savings you realize will be higher because Southwest calculates the price in points only using the base airfare. It doesn’t charge you points for most of the taxes and fees on award tickets, which boosts your savings. 10,000 Southwest points can get you about $130 – $150 in travel value when the tax and fee savings are factored in.

Spirit FreeSpirit™ – 1.0 cents. Spirit has a complicated pricing structure for awards, and while it advertises some very low point prices that can yield great value if you’re very flexible and patient, more often you’ll end up getting close to 1 cent per mile in value.

United MileagePlus® – 1.8 cents. We value these miles at almost 2 cents each, so if you’re flexible expect to get around $200 in flight value out of 10,000 miles. For example, United’s 60,000 mile Saver Economy award to Europe with no fuel surcharges can often save you around $1,200 in airfare during peak travel season with good availability on Star Alliance partners. International Business Class awards are harder to come by, but can yield a value of 2 to 4 cents per mile. Domestic awards might get you less value, and closer to 1 cent per mile if you’re not flexible and travel at peak times.

Hotel points

Hilton Honors – 0.4 cents. Honors points generally get you about 0.4 cents in value, including when you use the feature that lets you pay in a mix of cash and points on any hotel rate. Some hotels may offer closer to 0.55 cents per point in value, and some luxury properties may offer much less value, but 0.4 cents is the most common value you’ll see.

Hyatt Gold Passport – 1.25 cents. Hyatt doesn’t have as many hotels in its portfolio as Hilton, IHG, or Marriott, so it offers more value with every point. You can often get 1.5 cents per point in value using Hyatt points, but there are also a lot of cases when you end up getting only 1 cent per point or lower in value, so we tend to benchmark them around 1.25 cents each.

IHG® Rewards – 0.4 cents. Most hotels are available at a rate of about 0.4 cents per point, with some getting closer to 0.55 cents per point like Hilton. You can also get much more value via IHG PointBreaks awards, which are available at a rotating list of hotels for 5,000 points a night. The catch is those hotels tend to be in less popular destinations during less desirable times to travel.

Marriott Bonvoy™ – 0.6 cents. Marriott Bonvoy points tend to get you a little more value than Hilton or IHG points, especially if you use them when rates are high. That could change as Marriott moves toward a peak and off peak based price chart in 2019, but for now expect to get more out of a Marriott point than an IHG or Hilton point.

Radisson Rewards – 0.5 cents. You can get about a half a cent per point in value out of Radisson points, but beware the hotel footprint is pretty limited in the United States. Europe and Asia are the stronger suits for Radisson.

Starwood Preferred Guest® – 2 cents. Marriott and Starwood are merging, and every Starpoint® will turn into 3 Marriott points as of August, 2018 (See Marriott Bonvoy™ details above). Until they merge, they’re worth around 2 cents or more, thanks to Starwood’s low award prices, and good opportunities to convert Starpoints to Marriott points.

Wyndham Rewards – 1.3 cents. Every Wyndham hotel is available for one price – 15,000 points a night. That means if you save your points for hotels that cost $200 or more a night in cash, you can get over 1.3 cents per point in value, but if you use them on cheaper hotels you’ll get much less value.

 

 

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7 Best Cash Back Credit Cards for Dining Out in February 2020

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

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If you’re someone who frequently dines out, cashback cards that reward you for it are a great way to put money back in your pocket. Cashback cards for dining can earn you rewards for purchases made through restaurants, bars and takeout establishments. This is a great way for foodies to reap extra rewards just by doing what they love — eating!

We picked the following cards because they offer competitive cashback rates above 2% for dining-related purchases, as well as have low or no annual fees. As with most rewards cards, you may lose your cashback rewards if your account is not in good standing.

Capital One® Savor® Cash Rewards Credit Card – 4% cash back

Capital One® Savor® Cash Rewards Credit Card

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Capital One® Savor® Cash Rewards Credit Card

Regular Purchase APR
15.99% - 24.99% (Variable)
Annual fee
$0 intro for first year; $95 after that
Rewards Rate
4% Cash Back on dining; 4% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.

The Capital One® Savor® Cash Rewards Credit Card enables you to earn unlimited 4% Cash Back on dining; 4% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020. Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening. (The card website specifies that the one-time bonus is available by applying through the site, and may not be available if an applicant navigates away from the page. Also, the bonus may not be available for existing or previous accountholders.)

Uber Visa Card – 3% Uber Cash

Uber Visa Card

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The information related to Uber Visa Card has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

Uber Visa Card

Regular Purchase APR
17.24% - 27.99% Variable
Annual fee
$0
Rewards Rate
5% back in Uber Cash on Uber, Uber Eats, and JUMP, 3% back in Uber Cash on dining, hotels, and airfare and 1% back in Uber Cash on all other purchases

The Uber Visa Card offers 5% back in Uber Cash on Uber, Uber Eats, and Jump, 3% on dining, hotels, and airfare, and 1% on all other purchases. Note that purchases of Uber gift cards and Uber Cash do not qualify for the 5% rewards rate.

There’s also a decent sign-up bonus: Earn $100 in Uber Cash after spending $500 on purchases in the first 90 days.

Rewards come in the form of Uber Cash, which you can spend in Uber Apps. While it’s a bit limiting to not be able to redeem rewards as actual cash to your bank account, if you spend a lot within the Uber ecosystem, you can still get a good value from this card. And for convenience, this card will automatically transfer your Uber Cash balance to your Uber account once you earn $50 in Uber Cash. Read our full review of the Uber Visa Card.

AARP® Credit Card from Chase Bank – 3% cash back

AARP® Credit Card from Chase Bank

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The information related to AARP® Credit Card from Chase Bank has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

AARP® Credit Card from Chase Bank

Regular Purchase APR
17.99% to 24.74% Variable
Annual fee
$0
Rewards Rate
Earn 3% Cash Back rewards on purchases at restaurants, from fine dining to fast food, 3% Cash Back rewards on purchases at gas stations, and 1% Cash Back rewards on all other purchases.

Don’t be led astray by the name: This card isn’t limited to people over 50 — anyone can apply. The AARP® Credit Card from Chase Bank lets you earn 3% cash back rewards on purchases at restaurants, from fine dining to fast food, 3% cash back rewards on purchases at gas stations, and 1% cash back rewards on all other purchases. Earn $100 bonus cash back after you spend $500 on purchases in the first 3 months from account opening.

Marvel Mastercard® – 3% cash back

Marvel Mastercard®

The information related to Marvel Mastercard® has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

Marvel Mastercard®

Regular Purchase APR
16.99% - 26.99% Variable
Annual fee
$0
Rewards Rate
Earn 3% cashback on Dining, Select Entertainment, Online at Marvel.com and Marvel's Official Merchandise Booths, and 1% cashback on all other Mastercard purchases.

The Marvel Mastercard® is a great choice for Marvel fans who want to benefit from exclusive Marvel discounts, with the added benefit of earning a high cashback rate on dining purchases. You Earn 3% cashback on Dining, Select Entertainment, Online at Marvel.com and Marvel's Official Merchandise Booths, and 1% cashback on all other Mastercard purchases. Some of the Marvel-related perks you earn include 10% off merchandise purchases at MarvelShop.com, free shipping offers and special discounts on Marvel Unlimited or Marvel digital comics. Terms apply.

There is also a new cardmember bonus of a $25 statement credit after your first purchase with your new Marvel Mastercard.

Sams Club® Mastercard® – 3% cash back

Sams Club® Mastercard®

The information related to Sams Club® Mastercard® has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

Sams Club® Mastercard®

Regular Purchase APR
16.90% or 24.90% Variable
Annual fee
$0
Rewards Rate
Earn 5% cash back on eligible gas worldwide, including gas at Sam's Club (on the first $6,000 per year, then 1% after). Earn 3% cash back on dining and travel. Earn 1% cash back on other purchases at Sam's Club and wherever Mastercard is accepted.

The Sams Club® Mastercard® lets you earn 5% cash back on eligible gas worldwide, including gas at Sam's Club (on the first $6,000 per year, then 1% after). Earn 3% cash back on dining and travel. Earn 1% cash back on other purchases at Sam's Club and wherever Mastercard is accepted. Earn a $55 statement credit when you open a new account and spend $55 online today. Offer expires January 15, 2020. However, you do need a Sam’s Club membership to apply, and current membership fees start at $45 per year.

Take note that you’re limited to earning a maximum of $5,000 in cashback rewards in a calendar year. Cash back is issued each February for what you earned during the previous calendar year. You will lose any cash back you earned if you end your membership or let it lapse, or if you accumulate less than $5 cash back in a calendar year. You can only redeem your cash back at a Sam’s Club location.

Costco Anywhere Visa® Card by Citi – 3% cash back

Costco Anywhere Visa® Card by Citi

The information related to Costco Anywhere Visa® Card by Citi has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

Costco Anywhere Visa® Card by Citi

Regular Purchase APR
16.74% (Variable)
Annual fee
$0
Rewards Rate
4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases

The Costco Anywhere Visa® Card by Citi requires a Costco membership (currently, annual memberships start at $60) and offers 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases. Take note that purchases made at bakeries and certain restaurants/cafes in department stores, groceries or warehouse clubs will only earn 1%.

Cash back comes as an annual reward certificate in February billing statements, redeemable for cash or merchandise at U.S. Costco Warehouses. You must maintain your Costco membership to receive rewards, and you will also lose rewards if you accumulate less than $1 in cash back or if you don’t redeem them by the end of the year.

Alternative: Rotating cashback categories

Discover it® Cash Back – 5% cash back

Discover it® Cash Back

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Rates & Fees

Discover it® Cash Back

Regular APR
13.49% - 24.49% Variable
Annual fee
$0
Rewards Rate
Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

The Discover it® Cash Back offers 5% cash back in different places (on up to $1,500 in purchases each quarter you activate) and unlimited 1% on all other purchases, automatically. Restaurants are slated to be a bonus category from July 1 through Sept. 30, 2020. Set a reminder to activate the bonus category. In addition to a cash back program, Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched (new cardmembers only).

Are these offers the best for you?

Cashback rewards should only be pursued by responsible users who have no trouble paying off their balance on time and in full every month. If you’re a all-star who also has an affinity for dining out, these cards will provide the best perks.

If you’re apt to carry a balance, check out our picks for the best cards that can help you pay down debt faster.

As always, check the fine print on each before signing up, taking special note of any fees. With those things in mind, decide which rewards structure best serves your typical spending activity and enjoy the cashback benefits — and the good eats.

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Best Cash Back Cards for Grocery Shopping in February 2020

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners. This site may be compensated through a credit card partnership.

 

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Shopping for groceries can be a mundane experience. There are numerous aisles, thousands of items and long checkout lines to contend with. Then there’s one more blow: watching the dollars add up at the register.

But signing up for a solid cashback credit card can be a good way to earn a percentage of your grocery purchases back and take some of the sting out of that shopping trip.

Here are the best cashback cards for grocery shopping.

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

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Terms Apply |  Rates & Fees

Blue Cash Everyday® Card from American Express

Intro Purchase APR
0% for 15 months
Intro BT APR
0% for 15 months
Regular Purchase APR
14.49%-25.49% Variable
Annual fee
$0
Rewards Rate
3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations and at select U.S. department stores. 1% cash back on other purchases.

The Blue Cash Everyday® Card from American Express, offers 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations and at select U.S. department stores. 1% cash back on other purchases. It comes with a $0 annual fee.

The Welcome Offer allows you to $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. This is a good way to maximize your rewards.

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

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Blue Cash Preferred® Card from American Express

Regular Purchase APR
14.49%-25.49% Variable
Intro Purchase APR
0% for 12 months
Intro BT APR
0% for 12 months
Annual fee
$95
Rewards Rate
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations and 1% Cash Back on other purchases.
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Credit required
good-credit
Excellent/Good

The Blue Cash Preferred® Card from American Express offers the highest cashback rate for big grocery spenders — 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). This card does come with a $95 annual fee and you need to spend $1,584 a year on groceries to break even. If you spend $3,167 a year ($264 a month) or more on groceries you will benefit from this card more than the Blue Cash Everyday® Card from American Express. You’ll also earn a high 3% cash back at U.S. gas stations, 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more, and 1% back on other purchases. There’s an added Welcome Offer: $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.

Amazon Prime Rewards Visa® Signature Card

Amazon Prime Rewards Visa® Signature Card

The information related to Amazon Prime Rewards Visa® Signature Card has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

Amazon Prime Rewards Visa® Signature Card

Regular Purchase APR
15.74% to 23.74% Variable
Annual fee
$0
Rewards Rate
Earn 5% back at Amazon.com and Whole Foods Market with eligible Prime membership, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases.

The Amazon Prime Rewards Visa® Signature Card grocery cashback program is geared toward Whole Foods Market shoppers. You’ll Earn 5% back at Amazon.com and Whole Foods Market with eligible Prime membership, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases.. This is a great rate if you frequently shop at Whole Foods Market and easily rivals offers from competing cards. There is no annual fee, but you must have a Prime membership to get the 5% rate — currently, annual plans cost $119 or $59 for students.

Amazon Rewards Visa® Signature Card

Amazon Rewards Visa® Signature Card

The information related to Amazon Rewards Visa® Signature Card has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

Amazon Rewards Visa® Signature Card

Regular Purchase APR
15.74% to 23.74% Variable
Annual fee
$0
Rewards Rate
Earn 3% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases.

The Amazon Rewards Visa® Signature Card is similar to the Amazon Prime Rewards Visa® Signature Card, but doesn’t require a Prime membership. This card also has a $0 annual fee but offers a lower rate at Amazon.com and Whole Foods Market. Earn 3% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases.

Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

The Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer gives cardholders more flexibility when it comes to earning bonus rewards. The card lets you select one of six “choice” categories to earn 3% cash back in each month: gas, online shopping, dining, travel, drug stores or home improvement/furnishings. You’ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, 1% on all other purchases. The ability to change the bonus cashback category each month is unique since many cards only allow you to select new bonus categories every quarter, or don’t allow you to choose at all.

There is a $0 annual fee. As a Preferred Rewards member, you can earn 25-75% more cash back on every purchase, making your grocery cash back an effective 2.5-3.5%. If you apply online, you can earn a  $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Huntington Voice Credit Card®

Huntington Voice Credit Card®

Huntington Voice Credit Card®

Regular Purchase APR
13.99% - 27.99% Variable
Annual fee
$0
Rewards Rate
3X points in one of 10 categories (capped at $2,000 each quarter or 6000 points), and all other purchases earn 1X points.

The Huntington Voice Credit Card® has a $0 annual fee and earns you 3X points in one of 10 categories (capped at $2,000 each quarter or 6000 points), and all other purchases earn 1X points. You also have the freedom to change your 3X category every quarter to suit your spending. But be aware that if you switch from grocery stores to another category, you’ll only earn 1X points on grocery spending. Points can be redeemed for cash and 1 point equals $0.01, therefore 5,000 points is equal to $50 cash rewards.

Which card is the right fit for me?

With numerous credit cards available to help maximize your grocery rewards, it can be confusing to know which to choose. Some cards provide unlimited rewards at a high rate, while most have caps on grocery spending.

The table below breaks down which grocery card may be a good fit for you when factoring in annual grocery spending, cashback rate and annual fee. (Sign-on bonuses are not reflected.) Keep in mind: This only factors in spending on grocery purchases and doesn’t consider if you spend in other categories or at the other cashback rates.

Here are a few key takeaways:

  • If you spend about $3,000 a year on groceries, you will benefit more from the Blue Cash Everyday® Card from American Express, Amazon Rewards Visa® Signature Card or the Huntington Voice Credit Card®.
  • If you spend around $4,000 – $7,000 a year, you will benefit more from the Blue Cash Preferred® Card from American Express.
  • If you spend on average $8,000 or more a year at Whole Foods Market, you will benefit more from the Amazon Prime Rewards Visa® Signature Card.
  • The Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer earns you subpar cash back unless you have $100,000 in a Bank of America checking or savings account.
  

Card

Amazon Prime Rewards Visa® Signature Card

Amazon Rewards Visa® Signature Card

Huntington Voice Credit Card®

Blue Cash Everyday® Card from American Express

Blue Cash Preferred® Card from American Express

Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer: without BofA checking/
savings

Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer: with $100,000 in BofA checking/
savings

Spending

$1,000

-$69

$30

$30

$30

-$35

$20

$35

$2,000

$-19

$60

$60

$60

$25

$40

$70

$3,000

$31

$90

$90

$90

$85

$60

$105

$4,000

$81

$120

$120

$120

$145

$80

$140

$5,000

$131

$150

$150

$150

$205

$100

$175

$6,000

$181

$180

$180

$180

$265

$120

$210

$7,000

$231

$210

$210

$190

$275

$140

$245

$8,000

$281

$240

$240

$200

$285

$160

$280

$9,000

$331

$270

$250

$210

$295

$180

$315

$10,000

$381

$300

$260

$220

$305

$200

$350

*We included the $119 Prime membership fee into our calculations for the Amazon Prime Rewards Visa® Signature Card and the $95 annual fee for the Blue Cash Preferred® Card from American Express.

The information related to Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.