One of many questions folks usually ask us is, “How a lot is a degree or mile price?”
The true reply varies from level to level and individual to individual. It additionally relies on your journey objectives and the way a lot you maximize a specific loyalty foreign money. Nonetheless, some rewards are price greater than others, and our aim is to offer you a way of how they stack up.
Traditionally, TPG has valued factors and miles primarily based on a mixture of things: the worth at which we might buy the factors or miles, award prices in this system (factoring in availability and costs), and our experience in this system’s interior workings.
Nevertheless, we now make the most of intensive knowledge for the highest seven U.S. airline loyalty packages to extra precisely estimate the worth you must intention to attain out of your rewards. Learn our explainer publish on our data-driven valuations for a full methodology breakdown.
What are bank card factors and miles price?
What are Bilt Rewards Factors price?
What are airline factors and miles price?
*Calculated utilizing TPG’s data-backed valuations methodology launched in September 2023.
What are lodge factors price?
Calculating valuations for transferable factors and miles
It’s possible you’ll be questioning how TPG calculates the worth of transferable factors and miles — particularly since these valuations are sometimes increased than the valuations listed by the airline and lodge switch associate packages to which you’ll switch factors and miles.
Having redeemed thousands and thousands of transferable factors and miles, we have now developed our personal proprietary system which incorporates:
- The bottom worth of redeeming miles instantly by every issuer’s portal for journey
- The worth of widespread cash-equivalent redemptions like present playing cards and assertion credit
- Any distinctive methods to maximise journey worth instantly with the issuer, comparable to Chase Final Rewards distinctive Factors Increase supply
- The variety of airline and lodge switch companions, balanced towards the worth of every associate’s rewards foreign money
- Whether or not the issuer affords uniquely invaluable switch companions, comparable to Citi ThankYou Rewards’ partnership with American Airways’ AAdvantage program
- The worth of the pliability of getting many choices to switch to airline and lodge packages
Devaluations, usually with out discover, are an unlucky actuality of the factors and miles world. Because of this we’re such sturdy proponents of incomes transferable factors and miles.
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In case your favourite airline or lodge program unexpectedly will increase its redemption charges (as some have in the previous couple of months), you’ll be able to merely select to switch transferable factors and miles to a different program which will now supply higher worth. Nevertheless, in case you have been incomes factors or miles with the airline or lodge program, you would be caught with the now-less-valuable rewards.
Associated: Why transferable factors and miles are price greater than different rewards
High affords for incomes factors and miles in January
Listed below are a few of the greatest choices this month for these in search of a brand new journey rewards card that earns transferable factors or miles.
American Categorical Platinum Card
Discover out your supply on the American Categorical Platinum Card® and see in case you are eligible for as excessive as 175,000 Membership Rewards factors after spending $8,000 on purchases within the first six months of card membership. Welcome affords differ, and also you might not be eligible for a suggestion.
There are a bunch of latest advantages for the not too long ago refreshed Platinum Card, together with the next new assertion credit:
- As much as a $75 quarterly Lululemon assertion credit score for purchases made at U.S. shops (excluding shops) and on-line**
- As much as a $200 annual Oura Ring assertion credit score (for {hardware} purchases solely; not for memberships)**
- As much as a $100 quarterly assertion credit score for U.S. Resy restaurant purchases**
- As much as a $120 annual assertion credit score for Uber One membership (topic to auto-renewal)**
The cardboard’s lodge assertion credit score elevated to as much as $600 annually (as much as $300 biannually) while you e-book pay as you go American Categorical Tremendous Motels + Resorts or The Lodge Assortment*** stays by way of American Categorical Journey®, and the digital leisure assertion credit score has been raised to as much as $25 per thirty days, with Paramount+, YouTube Premium and YouTube TV added.**
**Enrollment is required.
***The Lodge Assortment requires a minimal two-night keep.
The annual price is now $895 (see charges and costs). To study extra about all of the adjustments, together with new lodge standing and eating perks, try our full assessment of the American Categorical Platinum Card.
Official software hyperlink: American Categorical Platinum Card
Chase Sapphire Reserve
The Chase Sapphire Reserve® (see charges and costs) presently affords 125,000 bonus factors after you spend $6,000 on purchases within the first three months from account opening. You may as well verify Chase’s prequalification instrument to search out out in case you’re eligible for as much as 175,000 bonus factors (with the identical spending necessities).
The not too long ago refreshed card has up to date incomes charges, together with 8 factors per greenback spent on purchases made by Chase Journey℠ (together with The Edit lodge bookings), 4 factors per greenback spent on flights booked instantly and 4 factors per greenback spent on resorts booked instantly.
The brand new annual price is $795, however cardholders will rise up to $500 in assertion credit for lodge bookings made with The Edit every calendar yr (as much as $250 in credit biannually on pay as you go bookings with The Edit of two or extra nights), as much as $300 in assertion credit every calendar yr for eating at eating places which can be a part of Sapphire Reserve Unique Tables (as much as $150 in credit biannually), and extra.
Try our Chase Sapphire Reserve card assessment to study extra.
Official software hyperlink: Chase Sapphire Reserve
Chase Sapphire Reserve for Enterprise
Chase unveiled a brand-new enterprise card in 2025, the Chase Sapphire Reserve for Enterprise℠ (see charges and costs). This card has an enormous welcome supply of 200,000 bonus factors after you spend $30,000 on purchases within the first six months from account opening.
This product earns 8 factors per greenback spent on purchases by Chase Journey (together with The Edit), 4 factors per greenback spent on flights and resorts booked instantly, and three factors per greenback spent on social media and search engine promoting. It comes with a number of versatile assertion credit however has an annual price of $795.
See our Chase Sapphire Reserve for Enterprise card assessment for extra data.
Official software hyperlink: Chase Sapphire Reserve for Enterprise
Capital One Enterprise X Enterprise
The Capital One Enterprise X Enterprise is providing its highest welcome supply ever. New candidates can earn 200,000 bonus miles after spending $30,000 on purchases within the first three months from account opening, and an extra 200,000 bonus miles after spending a complete of $150,000 on purchases within the first six months.
This card has an annual price of $395, however you will obtain a $300 annual journey credit score to make use of with Capital One Enterprise Journey. You will additionally obtain 10,000 miles each account anniversary date (beginning in your first anniversary) in addition to complimentary entry to Capital One airport lounges.
You may get nice worth out of your Capital One miles by transferring them to 15-plus airline and lodge associate packages.
Try our Capital One Enterprise X Enterprise card assessment for extra particulars.
Be taught extra: Capital One Enterprise X Enterprise
Capital One Enterprise Rewards Credit score Card
The Capital One Enterprise Rewards Credit score Card affords 75,000 bonus miles after you spend $4,000 on purchases inside the first three months from account opening. The annual price for the Capital One Enterprise card is $95 — an inexpensive quantity for a card with such a beneficiant welcome supply.
See our Capital One Enterprise Rewards card assessment for extra particulars.
Be taught extra: Capital One Enterprise Rewards Credit score Card
American Categorical Gold Card
Some of the widespread playing cards with TPG staffers, the American Categorical® Gold Card lets new cardholders discover out their supply and see if they’re eligible for as excessive as 100,000 Membership Rewards factors after they spend $6,000 on purchases inside the first six months of card membership. Welcome affords differ, and also you might not be eligible for a suggestion.
The American Categorical Gold Card is nice for a lot of on a regular basis purchases. You’ll earn 4 factors per greenback spent on groceries at U.S. supermarkets (on as much as $25,000 in purchases per calendar yr, then 1 level per greenback spent) and 4 factors per greenback spent at eating places worldwide (on as much as $50,000 in purchases per calendar yr, then 1 level per greenback spent).
The cardboard has a $325 annual price (see charges and costs), so try our Amex Gold assessment to find out whether or not it is a good match.
Official software hyperlink: American Categorical Gold Card
For charges and costs of the Amex Platinum, click on right here.
For charges and costs of the Amex Gold, click on right here.
