October 2026 edition
The Floor Sheet
Your credit card points can always be turned into cash. That cash value is what we call the floor: the most solid number your points have. Using points for flights and hotels can be worth more, but that depends on prices the airlines and hotels set. What are your points really worth?
The programs set these rates and can change them. We recheck every one each month.
What 100,000 points pay in cash
| If your points are with… | 100,000 points | Per point |
|---|---|---|
| Chase | $1,000 | 1.00¢ |
| Amex, most cards, as a credit on your bill | $600 | 0.60¢ |
| Amex, with the Schwab Platinum card, paid into a Schwab investing account (up to 1,000,000 points a year) | $1,100 | 1.10¢ |
| Citi, with only the no-fee Strata card | $500 | 0.50¢ |
| Citi, with a Strata Premier, Strata Elite or Prestige card | $750 | 0.75¢ |
| Citi, if you also have a Double Cash or Custom Cash card | $1,000 | 1.00¢ |
| Capital One, as cash | $500 | 0.50¢ |
| Capital One, used to pay off travel you charged to the card | $1,000 | 1.00¢ |
| Bilt, as a credit on your bill (estimate; Bilt publishes no rate) | about $550 | about 0.55¢ |
Sources checked October 23, 2026.
Bonuses right now
Moving points to an airline or hotel during a bonus gets you extra. Which partners you can use depends on your card, and it's only worth it for a trip you can actually book.
| Move 100,000 points from… | To | You get | Until |
|---|---|---|---|
| Citi | Japan Airlines (JAL) miles | 130,000 | October 24, 2026 |
| Citi | Avianca LifeMiles | 125,000 | October 24, 2026 |
| Amex | Aeromexico Rewards | 120,000 | October 30, 2026 |
| Amex | Air France-KLM Flying Blue miles | 125,000 | October 31, 2026 |
| Capital One | British Airways Avios | 120,000 | October 31, 2026 |
| Citi | Qatar Airways Avios | up to 135,000 | October 31, 2026 |
| Capital One | Virgin Atlantic Flying Club | 130,000 | November 20, 2026 |
Dates when the rules change
| Date | What changes |
|---|---|
| December 31, 2026 | Last day 100,000 Bilt points move into Hyatt's hotel program as 100,000 Hyatt points. From January 1, 2027, they become 75,000. |
| October 26, 2027 | If you applied for a Chase Sapphire Reserve card before June 23, 2025: points earned before October 26, 2025 stop getting $1,500 of travel per 100,000 on Chase's own booking site. After this date, $1,000. |
Spot something wrong? Email info@pointsfloor.com and we'll fix it.
Not financial advice. Confirm with the program before you redeem.
Sources
- Transfer bonuses: current offers and end dates: Frequent Miler, checked October 23, 2026
- Chase: cash value of Ultimate Rewards points: Chase, checked October 23, 2026
- Amex: statement-credit value of Membership Rewards points: Upgraded Points, checked October 23, 2026
- Amex: Schwab Platinum cash-out rate and yearly cap: Frequent Miler, checked October 23, 2026
- Citi: cash value by card, and combining accounts: TravelFreely, checked October 23, 2026
- Capital One: cash and travel values, and the 90-day window: point.me, checked October 23, 2026
- Bilt: estimated statement-credit value: point.me, checked October 23, 2026
- Bilt: no published point value: Bilt Rewards, checked October 23, 2026
- Bilt: transfer partners and the 2027 Hyatt change: Upgraded Points, checked October 23, 2026
- Chase: Sapphire Reserve changes and the October 26, 2027 deadline: Chase (press release), checked October 23, 2026
Every source we use: pointsfloor.com/sources