Points Worth It?
Should I redeem?
Add your numbers
Best value assumes you actually want the reward. An unwanted item is not a saving.
1. Program setup
Use a rate that applies to these points. The estimate excludes bonuses and mixed earning methods.
One cent here means 0.01 of your selected currency unit. This is your personal benchmark, not a universal point value.
Compare with another use of your spending; this can be zero.
2. Rewards list
Enter 2–10 rewards. Prices vary by location and date. Use the price you would actually pay.
Your ranking
Compare two rewards
Make the most of your balance
The combination below maximizes total net value from your entries, assuming repeat redemptions are allowed and you want every item. Check program limits and mandatory cash payments.
How the math works
Net cash value = cash value − cash co-pay. Cents per point = net cash value ÷ points × 100.
Spend equivalent = points ÷ earning rate. Return % = net cash value ÷ spend equivalent × 100. This compares reward value with estimated qualifying spending, not investment ROI, profit, or guaranteed cash back.
Great deal means the best positive value among your complete entries meets your benchmark. Fair means a positive reward meets it but another entry is better. Poor means nonpositive value or value below your benchmark. Equal best values share Best value. Incomplete entries are excluded.
Spending mode compares your alternative percentage. Personal-value mode compares your entered cents per point; an alternative spending return cannot be applied without an earning rate.
Marginal value measures the extra net value for extra points, not the overall reward value. Equal or lower point costs have no extra-points rate. Calculations keep full precision until display.
Expiry warnings use a 30-day window and do not change the value calculation. Redemption rules, currencies, and points are not automatically verified or converted.
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