Where should your card points go?
Credit card points from Chase, Amex, Citi, Capital One and Bilt can be moved into airline and hotel programs. Pick your card and balance to see what those points bought in each program, on this index’s real searches. Transfer ratios as of Oct 5, 2026.
A tool built on the index. Every result can be linked and cited; see the end of the page.
How to read this. Each row shows what your points would have bought if you had moved them to that program, using the real searches in this index. The bar runs from the worst check to the best; the white tick is the middle one.
Rows marked runs high are programs that charge a lot for one-way cash tickets, which makes their points look better than they usually are. Use this as a starting point, not advice.
Citing a result
Every result above uses the index’s October 2026 searches and the transfer ratios as of Oct 5, 2026. To quote one, use “Copy link to this result”, which reopens the same card, tier and balance, and cite it as:
Chhajed, Vidit (2026). Card transfer calculator. Loyalty Program Devaluation Index, Release R3, October 2026. https://loyalty-index.vercel.app/calculator/, with the link to your result.
How card programs connect to airlines and hotels is charted in Analysis; the ratios are in transfer_ratios.xlsx.