Credit card points value calculator
Cents per point is the cash price you avoided, minus the taxes and fees you still pay, divided by the points used. Compare it with what the same points get as cash back.
Reviewed by Alex Thomas · Updated Nov 5, 2026
That's 1.49¢ per point: 60,000 points cover $894.40. That's 2.5× the 0.6¢ you'd get as cash back or a statement credit.
Cents per point
1.49¢
Value covered$894.40
Cash-out value0.6¢
Compared with cash2.5×
Booked through the issuer's travel site, these points are usually worth a fixed 1¢. Transfer partners can be worth more, or less.
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Questions
How much is one credit card point worth?
It depends on how you use it. Cash back or statement credits give 0.5¢ to 1¢ per point at Amex, Chase and Capital One. Travel transfers can give more.
What is a good value for points?
Anything above the cash-out value means you beat cash back. Many people aim for 1.5¢ or more on flights or hotels, but a good value is one you'd actually book.
Should I subtract taxes and fees?
Yes. Award bookings still charge taxes and fees in cash, so only the part of the price your points replaced counts.
Related guides and answers
- How does a credit card work?A credit card lets you borrow up to a set credit limit to pay for things. Each month you get a statement with a minimum payment and a due date. Pay the full balance by the due date and most cards charge no interest on purchases. Pay less and the rest accrues interest at the card's APR.
- How do I get my first credit card?Your first credit card usually comes from your bank or credit union, or as a secured card backed by a refundable deposit. Apply with your SSN or ITIN, a US address and your income. Under 21, you need your own income or a co-signer. Pay on time and your credit history builds from there.
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