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Making one of the most of traveling benefits needs some understanding of the standard inquiries, like just how much each benefit money deserves. Earning 100,000 points appears fantastic, yet what does that mean in regards to bucks?

To learn, NerdWallet carried out an extensive, data-driven evaluation of 15 airline companies, 7 resort programs and 9 bank card benefits programs. We contrasted cash money and honor reservations throughout several days and cities to establish just how much real worth you can anticipate to obtain from any kind of provided points or miles.

  • We included business-class assessments to our airline company miles evaluation.

  • We included evaluation of 7 brand-new airline company programs.

  • We consisted of worldwide information (after omitting it in 2020).

For the resort and airline company assessments, we chose the 75th percentile worth, instead of the standard or mean. This implies that for every single 4 searches, we chose the one that supplied the highest possible worth. We think this mirrors just how tourists buy honor reservations– by contrasting cash money and factor redemptions throughout a number of days.

Consider these worths a “baseline” wherefore you can in fact obtain when utilizing your honor money to publication routine journeys (i.e., we’re not restricting our search simply to take a trip choices where you would certainly obtain huge worth).

If you obtain our standard worth or even more from an offered redemption, you’re doing an excellent work.

Keep in mind that the airline company worths are based upon major cabin economic situation tickets and leave out costs cabin redemptions. See “Airline business class values” listed below for even more information.

  • Baseline worth. This is the assured worth from the company when utilizing the indicate publication traveling straight with their interior devices, such as utilizing Chase Ultimate Rewards ® indicate publication traveling via the Chase traveling website.

  • NerdWallet worth. This is a mix of the standard worth and the worth of each programs’ highest-value transfer companion (per the table over).

How these worths have actually altered gradually


On the entire, airline company miles boosted a little in worth considering that in 2014, with one significant exemption (Southwest).

Delta and JetBlue commitment participants can arise from the COVID-19 pandemic with a lot more useful miles than in the past. Their worths reached 1.5 cents and 1.5 cents per mile specifically, placing them in advance of the 2021 ordinary worth of 1.2 cents per mile and surpassing their tradition provider rivals, like United and American.

The worth of Frontier’s miles greater than functioned as well this year, though it still hangs back the worth of various other full-service airline companies’ miles.

Southwest’s decrease is the huge exemption this year. After motivating participants the choice to transform their traveling funds to Rapid Rewards points in 2014, the airline company cheapened their points in very early 2021, going down from 1.6 cents per indicate 1.5 cents Southwest is no more defeating the competitors by 0.5 cent or even more as it was in 2014.

Southwest utilizes vibrant honor rates that associates with the cash money cost, so Rapid Rewards participants generally understand what to anticipate. Most leaflets obtain concerning the very same worth for their points, regardless of whether they schedule an inexpensive or costly trip.


In the resort globe, assessments have actually a little decreased or remained the very same total. Most resorts’ points glided simply 0.1 of a cent considering that in 2014 and Hyatt stays one of the most useful resort points money.

Marriott has actually had the greatest decrease throughout the pandemic. In 2019, the last “normal” year, Marriott had the 2nd highest possible appraisal of 1.2 cents per factor. The list below year, that appraisal went down to 0.9 cent and this year, it’s resting at 0.7 cent cent per factor. Instead of towards the top of the appraisal checklist, Marriott is currently connected for 4th withBest Western It shows up that while the cash money rates for Marriott went down throughout the pandemic and remain to stay reduced, the honor rates has actually not dipped virtually as much.

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On the various other hand, Radisson’s points appraisal has actually recuperated to pre-pandemic degrees. The appraisal increased to 0.6 cent this year, matching its 2019 appraisal.

Airline service course factor worths (New this year)

For the very first time, we gathered information on the worth of airline company miles when reserving service course prices. These worths are, usually, a lot greater than the standard worths defined over, in huge component due to the high expense of reserving these prices with cash money.

If you solely utilize your miles to publication service course prices, you can utilize these price quotes as a standard worth.

ANA is the clear standout right here, providing a massive 7.4 cents per mile in worth when reserving service course tickets. Delta drops on the various other end of the range, providing just a little much more worth when reserving service course instead of economic situation prices.

Note: Airlines such as Southwest and Spirit, which do not provide service course redemptions, are omitted from this evaluation.

We gathered real-world information on hundreds of trips and resort remains to establish these worths.

We contrasted cash money rates to honor redemptions for the very same trips and spaces. For instance, we cross-referenced the expense of flying round-trip from New York to Los Angeles utilizing either cash money or honor miles. Then, we split the expense of the cash money tickets by the expense of the honor tickets to establish a “cent per mile” worth for each and every trip.

Airline appraisal method

Fare courses

We contrasted major cabin prices throughout all airline companies, and service course prices throughout those airline companies that provide them. We did not utilize standard economic situation prices.


  • Three of the busiest paths from the airline company’s center.

  • Three brief paths (under 650 miles).

  • Three mid-length paths (651-1,500 miles).

  • Two trans-continental paths (over 1,500 miles).

  • One path from a center to a tiny flight terminal.

  • Ten worldwide paths.


For each airline company, we picked 3 days for contrast:

  • Within 15 days of separation.

  • During peak winter season vacation traveling (Dec 22-29).

Hotel appraisal method

Rates and spaces

For both cash money and benefit reservations, we chose the lowest-priced refundable space.


We picked 5 significant cities and 5 midsize cities:

For each resort chain, we chose brand names from 3 groups: budget plan, mid-tier and deluxe (as established by our in- home specialists). We chosen specific resorts from each classification in each city, when readily available.


We chosen 2 durations for both cash money and benefit reservations:

  • Within 15 days of traveling.

Credit card appraisal method

To establish the worth of bank card points, we took into consideration:

  1. The worth of these points when utilized to publication traveling straight with the bank card’s traveling website.

  2. The worth of the airline company and resort indicate which these points can be moved, when suitable (based upon the different evaluations over).

  3. The variety of top-tier traveling transfer companions, as established by our specialist panel.

The total worth is established as: A heavy standard in between (1) and (2 ), with the weight established by (3 ). The program with the biggest variety of high-value companions obtains a 100% weight on (2 ), and a program with no high-value companions obtains a 50% weight on (2 ).

Data evaluation

We chose the 75th percentile worth for all information evaluation.

How to optimize your benefits

You desire a traveling bank card that prioritizes what is essential to you. Here are our choices for the finest traveling bank card of 2022, consisting of those finest for:

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