Transfer bonus+25%
Citi ThankYou → Avianca LifeMiles
Move points while the bonus is on — transfers can't be reversed.
Transfer at thankyou.com ↗⏱ Last day · ends Oct 24
Every point, every program,
one view.
What your airline, hotel and bank points are worth together — and the deals, tables and credits worth using them on this week.
Weekend Kickoff · Friday, October 23, 2026
1 / 5
Transfer bonus+30%
Citi ThankYou → JAL Mileage Bank
Move points while the bonus is on — transfers can't be reversed.
Transfer at thankyou.com ↗⏱ Last day · ends Oct 24
Transfer bonus+35%
Citi ThankYou → Qatar Privilege Club Avios
Move points while the bonus is on — transfers can't be reversed.
Transfer at thankyou.com ↗⏱ 7 days left · ends Oct 31
Transfer bonus+25%
Amex Membership Rewards → Air France-KLM Flying Blue
Move points while the bonus is on — transfers can't be reversed.
Transfer at americanexpress.com ↗⏱ 7 days left · ends Oct 31
Transfer bonus+20%
Amex Membership Rewards → AeroMexico ClubPremier
Move points while the bonus is on — transfers can't be reversed.
Transfer at americanexpress.com ↗⏱ 7 days left · ends Oct 31
Your points at a glance
Sample portfolio · your own once you connectConnect your airline, hotel and card programmes once and PointsUser keeps one ledger of all of them — in dollars, not point counts, with whatever expires first pushed to the front.
One number, not eleven
Miles, hotel points and card points added together as a single figure you can act on. Most people have no idea what the total is.
Valued, not just counted
Every balance priced at our published cents-per-point, revised quarterly and dated on the page. 60,000 miles is not a number — it is $840.
Expiry before it bites
Whatever runs out soonest leads, with the date, the days left and the dollars at risk. Points expire quietly; this is the part that costs people money.
We never see a password
Accounts connect through AwardWallet. Your loyalty logins are never typed into PointsUser and never stored by it.
What your points are worthSample
Every point you hold, across all 10 programmes, priced in dollars at published rates. The line is what that total has been worth each day; the tag says whether a move was earned, revalued, or an account you added. How we value points
$11,312827,480 points · Oct 24+$4,632 (+69.4%)
| Date | Value | Points |
|---|---|---|
| Jul 27 | $6,679 | 488,607 |
| Jul 28 | $6,750 | 493,747 |
| Jul 29 | $6,748 | 493,631 |
| Jul 30 | $6,802 | 497,561 |
| Jul 31 | $6,828 | 499,464 |
| Aug 1 | $6,865 | 502,167 |
| Aug 2 | $6,906 | 505,163 |
| Aug 3 | $6,921 | 506,256 |
| Aug 4 | $6,920 | 506,201 |
| Aug 5 | $6,963 | 509,343 |
| Aug 6 | $7,015 | 513,188 |
| Aug 7 | $7,044 | 515,258 |
| Aug 8 | $7,051 | 515,810 |
| Aug 9 | $7,121 | 520,916 |
| Aug 10 | $7,149 | 522,937 |
| Aug 11 | $7,211 | 527,510 |
| Aug 12 | $7,268 | 531,675 |
| Aug 13 | $7,283 | 532,755 |
| Aug 14 | $7,328 | 536,089 |
| Aug 15 | $7,351 | 537,737 |
| Aug 16 | $7,407 | 541,852 |
| Aug 17 | $7,435 | 543,912 |
| Aug 18 | $7,478 | 546,996 |
| Aug 19 | $7,460 | 545,680 |
| Aug 20 | $7,485 | 547,507 |
| Aug 21 | $7,531 | 550,933 |
| Aug 22 | $7,577 | 554,287 |
| Aug 23 | $7,593 | 555,457 |
| Aug 24 | $7,640 | 558,843 |
| Aug 25 | $7,691 | 562,586 |
| Aug 26 | $7,803 | 570,808 |
| Aug 27 | $7,831 | 572,858 |
| Aug 28 | $7,851 | 574,316 |
| Aug 29 | $7,898 | 577,753 |
| Aug 30 | $7,929 | 580,003 |
| Aug 31 | $7,988 | 584,341 |
| Sep 1 | $8,049 | 588,823 |
| Sep 2 | $8,089 | 591,698 |
| Sep 3 | $8,061 | 589,664 |
| Sep 4 | $8,118 | 593,840 |
| Sep 5 | $8,152 | 596,368 |
| Sep 6 | $7,728 | 565,302 |
| Sep 7 | $7,749 | 566,858 |
| Sep 8 | $7,782 | 569,258 |
| Sep 9 | $7,849 | 574,149 |
| Sep 10 | $7,946 | 581,245 |
| Sep 11 | $7,967 | 582,778 |
| Sep 12 | $8,023 | 586,927 |
| Sep 13 | $8,537 | 624,482 |
| Sep 14 | $8,582 | 627,768 |
| Sep 15 | $8,638 | 631,898 |
| Sep 16 | $8,676 | 634,641 |
| Sep 17 | $8,707 | 636,955 |
| Sep 18 | $8,742 | 639,460 |
| Sep 19 | $8,782 | 642,405 |
| Sep 20 | $8,855 | 647,774 |
| Sep 21 | $8,883 | 649,804 |
| Sep 22 | $8,919 | 652,430 |
| Sep 23 | $8,973 | 656,396 |
| Sep 24 | $9,016 | 659,526 |
| Sep 25 | $9,121 | 667,195 |
| Sep 26 | $9,167 | 670,587 |
| Sep 27 | $9,259 | 677,306 |
| Sep 28 | $9,267 | 677,896 |
| Sep 29 | $9,323 | 682,020 |
| Sep 30 | $9,376 | 685,842 |
| Oct 1 | $9,472 | 692,927 |
| Oct 2 | $9,550 | 698,563 |
| Oct 3 | $9,712 | 710,475 |
| Oct 4 | $9,864 | 721,542 |
| Oct 5 | $10,021 | 733,073 |
| Oct 6 | $10,186 | 745,088 |
| Oct 7 | $10,241 | 749,125 |
| Oct 8 | $10,288 | 752,569 |
| Oct 9 | $10,354 | 757,434 |
| Oct 10 | $10,499 | 768,049 |
| Oct 11 | $10,529 | 770,248 |
| Oct 12 | $10,622 | 777,004 |
| Oct 13 | $10,648 | 778,933 |
| Oct 14 | $10,698 | 782,600 |
| Oct 15 | $10,802 | 790,211 |
| Oct 16 | $10,843 | 793,182 |
| Oct 17 | $10,816 | 791,209 |
| Oct 18 | $10,889 | 796,543 |
| Oct 19 | $10,938 | 800,129 |
| Oct 20 | $11,018 | 806,000 |
| Oct 21 | $11,088 | 811,073 |
| Oct 22 | $11,142 | 815,031 |
| Oct 23 | $11,211 | 820,070 |
| Oct 24 | $11,312 | 827,480 |
Credits still unused
Money your cards already owe you, by card, soonest deadline first inside each. Tap a card to fold it away; tap a row on the Cards page to log what you spent.
$2,514 still unused across 17 credits · $83 goes within 30 days
- 8dOct 31Digital entertainment credit$25 a month$25left
- 8dOct 31Walmart+ membership$13 a month$13left
- 69dDec 31Fine Hotels + Resorts / The Hotel Collection credit$300 a half-year$300left
- 69dDec 31CLEAR Plus membership$219 a year$219left
- 69dDec 31Airline fee credit$200 a year$200left
- 69dDec 31Uber One membership$120 a year$120left
- 69dDec 31lululemon credit$75 a quarter$75left
- 69dDec 31Resy dining credit$62 of $100 used$38left
Also on a clock: United MileagePlus 41,000 pts in 24 days · American AAdvantage 82,000 pts in 62 days
| Credit | Card | Left | Days |
|---|---|---|---|
| Digital entertainment credit | Amex Platinum | $25 | 8 |
| DoorDash promos | Chase Sapphire Reserve | $25 | 8 |
| Walmart+ membership | Amex Platinum | $13 | 8 |
| Lyft ride credit | Chase Sapphire Reserve | $10 | 8 |
| Peloton membership credit | Chase Sapphire Reserve | $10 | 8 |
| The Edit hotel credit | Chase Sapphire Reserve | $500 | 69 |
| Fine Hotels + Resorts / The Hotel Collection credit | Amex Platinum | $300 | 69 |
| Travel credit | Chase Sapphire Reserve | $300 | 69 |
| CLEAR Plus membership | Amex Platinum | $219 | 69 |
| CLEAR Plus membership | Hilton Aspire | $219 | 69 |
| Airline fee credit | Amex Platinum | $200 | 69 |
| Hilton resort credit | Hilton Aspire | $200 | 69 |
| StubHub and viagogo credit | Chase Sapphire Reserve | $150 | 69 |
| Uber One membership | Amex Platinum | $120 | 69 |
| Exclusive Tables dining credit | Chase Sapphire Reserve | $110 | 69 |
| lululemon credit | Amex Platinum | $75 | 69 |
| Resy dining credit | Amex Platinum | $38 | 69 |
Your Points
Every balance you hold, largest first, with what it is worth in dollars at our published rates.
827,480points in total
$11,312what they are worth
Amex Membership Rewards$2,145
214,500 pts · 1.00¢ each19%
American AAdvantage$2,099
82,000 pts · 2.56¢ each · Platinum Pro19%
World of Hyatt$1,489
68,000 pts · 2.19¢ each · Globalist13%
Chase Ultimate Rewards$1,440
96,000 pts · 1.50¢ each13%
Alaska Atmos Rewards$1,357
58,000 pts · 2.34¢ each12%
United MileagePlus$857
41,000 pts · 2.09¢ each8%
Marriott Bonvoy$784
140,000 pts · 0.56¢ each · Titanium7%
IHG One Rewards$635
92,000 pts · 0.69¢ each6%
Delta SkyMiles$486
35,500 pts · 1.37¢ each4%
Starbucks Rewards$19
480 pts · 4.00¢ each0%
| Program | Points | Value |
|---|---|---|
| Amex Membership Rewards | 214,500 | $2,145 |
| American AAdvantage | 82,000 | $2,099 |
| World of Hyatt | 68,000 | $1,489 |
| Chase Ultimate Rewards | 96,000 | $1,440 |
| Alaska Atmos Rewards | 58,000 | $1,357 |
| United MileagePlus | 41,000 | $857 |
| Marriott Bonvoy | 140,000 | $784 |
| IHG One Rewards | 92,000 | $635 |
| Delta SkyMiles | 35,500 | $486 |
| Starbucks Rewards | 480 | $19 |
Are your cards paying for themselves?
Each card's annual fee against the credits you have claimed this year. Only what you have logged counts.
$167 claimed back in 2026 · none of your 3 annual fees is paid back yet
- Amex Platinum$895 fee9%$77 claimed back$818 still to claim$2,474 in credits available a year
- Chase Sapphire Reserve$795 fee5%$40 claimed back$755 still to claim$1,940 in credits available a year
- Hilton Aspire$550 fee9%$50 claimed back$500 still to claim$819 in credits available a year
| Card | Fee | Claimed this year | Credits available |
|---|---|---|---|
| Amex Platinum | $895 | $77 | $2,474 |
| Chase Sapphire Reserve | $795 | $40 | $1,940 |
| Hilton Aspire | $550 | $50 | $819 |
One Number in Sixty Seconds
What happens between connecting an account and knowing what your points are worth.
United MileagePlus
Marriott Bonvoy
Amex Membership Rewards
World of Hyatt
1 / 5 · Connect
Connect once through AwardWallet. Your airline and hotel logins are typed there, never here.
Through AwardWallet. Takes about a minute.
Balances refresh every six hours, so the figures are as current as the programmes report them — the dashboard shows when each one last synced. Sign in or get Travel Point to start your own.
Weekend Kickoff
Friday, October 23, 2026. Open one to read it, or read the whole edition.
Transfer bonusCapital One miles → British Airways AviosOct 31
Move points while the bonus is on — transfers can't be reversed.
Transfer at capitalone.com ↗Airline dealFlying Blue · ~14 North American gateways-EuropeOct 31
Promo Rewards: ~25% off business-class saver awards one-way
Open the offer ↗Hotel promotionMarriott Bonvoy — 1,500 bonus points per paid stay of 2+ nights, +3,000 more at Resort-category properties, uncappedNov 13
Stays Sep 22 to Nov 22
Open the offer ↗Targeted card offerAmex Platinum — Up to 175,000 MR points (varies by applicant)
$12,000 in 6 months · $895 annual fee · Targeted/shown after applying; Amex once-per-lifetime bonus rule applies
Apply ↗See Rates & FeesTerms apply.We may earn a commission if you apply through these links. How this works
Targeted card offerAmex Gold — Up to 100,000 MR points (varies)
$8,000 in 6 months · $325 annual fee · Targeted/varies; once-per-lifetime rule applies
Apply ↗See Rates & FeesTerms apply.We may earn a commission if you apply through these links. How this works
Card offerChase Sapphire Reserve — 100,000 UR points (best-supported current figure)
$6,000 in 3 months · $795 annual fee · Chase 5/24 rule applies; figure conflicted across sources, confirm live on chase.com
Apply ↗We may earn a commission if you apply through these links. How this works
Card offerCapital One Venture X — 75,000 miles (a conflicting 100,000-mile figure also circulated)
$4,000 in 3 months · $395 annual fee · Not eligible if you got a Venture X new-cardmember bonus in the last 48 months
Apply ↗We may earn a commission if you apply through these links. How this works
Card offerCiti Strata Premier — 60,000 ThankYou points
$4,000 in 3 months · $95 annual fee · Citi 48-month rule applies to this card family
Apply ↗We may earn a commission if you apply through these links. How this works
Hotel promotionHilton Honors — More Points to Play: 3,000 pts/stay at luxury/lifestyle/resort/all-inclusive properties, 1,000 pts/stay elsewhere, uncapped
Stays Oct 15 to Dec 31
Open the offer ↗Hotel promotions
Register before you stay. Award nights usually don't count.
Marriott Bonvoy1,500 bonus points per paid stay of 2+ nights, +3,000 more at Resort-category properties, uncappedStays Sep 22 to Nov 22 · Register ↗
Nov 13register by
Hilton HonorsMore Points to Play: 3,000 pts/stay at luxury/lifestyle/resort/all-inclusive properties, 1,000 pts/stay elsewhere, uncappedStays Oct 15 to Dec 31 · Register ↗
World of HyattDouble points (cap 25,000) on the 'New Hotel Member Bonus Offer' rate at ~64 newly-opened hotels; no registration, award stays excludedStays varies by property · Open World of Hyatt ↗
IHG One Rewards2X points direct / 3X in-app starting with 2nd qualifying stay, uncapped; separately, Ambassador enrollment + 2 nights = 10,000 bonus pointsStays Oct 1 to Dec 31 · Open IHG One Rewards ↗
GHA Discovery15% off Discovery Dollar purchases ($0.85/D$, up to 5,000 D$) usable at Anantara, Capella, Kempinski, Pan Pacific, Patina; D$ expire 24mo after issueStays Oct 22 to Nov 19 · Register ↗
Cards
The welcome offers worth the spend, then the credits you already own and should use before they lapse.
Offers worth the spend 6 open
| Card | Bonus | Spend | Fee | Ends | Apply |
|---|---|---|---|---|---|
| Amex PlatinumtargetedAmerican Express | Up to 175,000 MR points (varies by applicant) | $12,0006 months | $895 | — | Apply ↗Rates & FeesTerms apply. |
| Amex GoldtargetedAmerican Express | Up to 100,000 MR points (varies) | $8,0006 months | $325 | — | Apply ↗Rates & FeesTerms apply. |
| Chase Sapphire ReservepublicChase | 100,000 UR points (best-supported current figure) | $6,0003 months | $795 | — | Apply ↗ |
| Chase Ink Business PreferredpublicChase | 100,000 UR points | $8,0003 months | $95 | — | Apply ↗ |
| Capital One Venture XpublicCapital One | 75,000 miles (a conflicting 100,000-mile figure also circulated) | $4,0003 months | $395 | — | Apply ↗ |
| Citi Strata PremierpublicCiti | 60,000 ThankYou points | $4,0003 months | $95 | — | Apply ↗ |
Amex Platinum: Targeted/shown after applying; Amex once-per-lifetime bonus rule applies
Amex Gold: Targeted/varies; once-per-lifetime rule applies
Chase Sapphire Reserve: Chase 5/24 rule applies; figure conflicted across sources, confirm live on chase.com
Advertiser disclosure: we may earn a commission if you apply for a card through the links on this page. It never affects which cards we show or what we say about them. How this works
Credits to use
Amex PlatinumFine Hotels + Resorts 2-night minimum (new for 2027)FHR credit will require a 2-night minimum stay starting 2027, up from today's 1-night minimum; no change for 2026 bookings
Amex (Marriott Offer)Targeted Amex OfferStays Oct 23-Nov 23, 2026; excludes Ritz-Carlton, St. Regis, EDITION, W, JW Marriott
$150 after $375 spendby Nov 23
Amex (Virgin Atlantic Offer)Targeted Amex OfferSpend direct with Virgin Atlantic by Dec 13, 2026
$200 after $2,500 spendby Dec 13
Dining credits by card
Amex PlatinumResy creditResy venues showing the 'Qualifies for Resy Credit' badge · Check the badge on the venue's Resy page before booking -- being bookable on Resy is no longer enough since Aug 1, 2026
$100/quarter ($400/yr)quarterly
Amex GoldDining creditGrubhub, Cheesecake Factory, Goldbelly, Wine.com, Five Guys · Doesn't roll over -- a Grubhub+ subscription is an easy auto-trigger
$10/month ($120/yr)monthly
Amex GoldResy creditUS Resy bookings, same qualifying-badge rule as Platinum · Resets Jan 1 and Jul 1
$50 twice/year ($100/yr)semi-annual
Marriott Bonvoy BrilliantDining creditAny restaurant-coded merchant worldwide · Automatic on qualifying restaurant charges of $25+; doesn't roll over
$25/month ($300/yr)monthly
Hilton Honors AspireHilton resort creditCharges made directly with participating Hilton resorts · Semi-annual, not quarterly; resets Jan 1 and Jul 1
$200 twice/year ($400/yr)semi-annual
Hilton Honors SurpassHilton creditDirect Hilton-property charges only · Resets each quarter, doesn't bank unused amounts; OTA bookings don't count
$50/quarter ($200/yr)quarterly
Chase Sapphire ReserveDoorDash creditAny DoorDash order, including restaurant delivery · Activate DashPass through Chase; started Oct 1, 2026, Reserve-only
$15/monthmonthly
Chase Sapphire PreferredDoorDash creditGrocery/convenience DoorDash orders only -- restaurant delivery excluded · Activate DashPass; doesn't apply to restaurant orders on this card
$10/monthmonthly
U.S. Bank Altitude ReserveCombined travel/dining creditTravel or dining purchases · Resets on account anniversary, not Jan 1 -- unconfirmed against issuer site this week
$325/yr (shared pool)annual
What a point is worth
Cents per point, from the one table used for every dollar figure on this site. Arrows mark programs that moved 0.1¢ or more since the last edition.
Every rate above comes from the rates PointsUser publishes, September 2026. Nothing on this site uses a different number.
Moved this edition
Chase Ultimate Rewards1.8¢ → 2.05¢
TPG October 2026 valuations; UR now valued above Amex MR
Amex Membership Rewards1.8¢ → 2¢
TPG October 2026 valuations
World of Hyatt1.55¢ → 1.65¢
Right at the 0.1c threshold; NerdWallet runs even higher
Hilton Honors0.5¢ → 0.4¢
Another downward revision; independent redemption-value data runs even lower (~0.35c)
Make it yours.
Answer a few questions and your edition is built around your city, your cards and the things you actually care about — published Tuesdays and Fridays.