How we value points
When a benefit earns points or miles, we convert it to dollars using published redemption rates — and we show you exactly what rate we used, on every card page.
| Rewards currency | Cash-equivalent rate |
|---|---|
| Membership Rewards | 1¢ / point |
| Ultimate Rewards | 1.5¢ / point |
| Capital One Miles | 1¢ / point |
| ThankYou Points | 1¢ / point |
| BofA Rewards | 1¢ / point |
| Delta SkyMiles | 1.2¢ / point |
| United MileagePlus | 1.3¢ / point |
| Discover Cashback Bonus | 1¢ / point |
| Hilton Honors Points | 0.5¢ / point |
| Marriott Bonvoy Points | 0.8¢ / point |
| Disney Rewards Dollars | 1¢ / point |
| Reward Dollars | 1¢ / point |
| Wells Fargo Rewards | 1¢ / point |
Rates are reviewed with each data refresh and shown per-card on every detail page.
Why points need a rate
A card that earns 5x points isn't worth $5 on a $100 purchase until you know what a point is worth. Issuers advertise earn rates; they don't promise redemption values. So CardDecide assigns each rewards currency a conservative base rate and applies it consistently.
Our rates, transparently
These are conservative-to-neutral cash-equivalent rates, applied to points-valued benefits:
The fine print
Your actual redemption may be worth more or less — transferring points to airline partners often beats the cash rate, while cash-back redemption usually matches it. We use the conservative base so a benefit's displayed value is a floor, not a ceiling. You can always override any benefit's value in the evaluation with your own number.
Theory is cheaper than the fee.
Run your own card through the same equation in about two minutes.
Check my card