Are you getting good value for your points and miles? It’s an important question to think through when redeeming your rewards.
You may have specific redemption rates you aim for based on your experience with a program and the ease with which you can earn its rewards. For example, I only redeem World of Hyatt points when I can get more than 2 cents per point in value.
That’s why TPG crunches the numbers to determine valuations for major hotel, airline and transferable rewards currencies each month. To do this, we analyze millions and millions of data points across the hotel, aviation and credit cards industries.
The result? Our monthly valuations give you an idea of the value you can get from a program’s currency if you don’t strive to maximize your redemption rate, but avoid low-value redemption options. Typically, you’ll want the value of your redemption to be on par with (or better than) our valuation for that currency.
That means that if you redeem Marriott Bonvoy points, for example, you should strive to get at least 0.75 cents per point in value based on our August 2026 valuations. So if a Marriott property costs $250 per night or 45,000 Marriott Bonvoy points, that’s only about 0.56 cents per point, and therefore not a very good use of them.
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The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Please view our advertising policy and product review methodology for more information.
Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
