Points Calculator
How much are your points worth?
Pick a program, enter your balance, see fair cash value plus what the same points are worth as a portal redemption vs an aspirational transfer.
Fair value
$1,538
@ 2.05¢/pt
Portal redemption
$1,125
@ 1.5¢/pt (cash via issuer travel portal)
Aspirational ceiling
$2,306
~1.5× fair value on peak award redemptions (Hyatt Cat 8 peak, transcon biz, etc.)
Fair value uses The Points Guy May 2026 monthly valuations. Portal redemption rates are what major issuer travel portals pay per point in cash bookings. Aspirational values reflect peak award redemptions on high-cash-rate dates — Park Hyatt Maldives, transcontinental business class on Air Canada Aeroplan, etc.
Where Chase Ultimate Rewards transfers
Cards that earn Chase Ultimate Rewards
Next step
Turn those points into a specific trip
You know what your points are worth in dollars. Now see where they take you — 40 destinations with live points cost.