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PointBagel

Points programs

Reference pages for 50+ loyalty programs. Each one shows what the points are worth by redemption method, their transfer partners and exact ratios where they have them, and the documented redemptions behind the numbers. Computed from the catalog, with the source named where we have one.

Bank currencies

The flexible points at the center of most portfolios. Each page lists its transfer partners and their exact ratios where the currency has them, and what the points are worth across redemption methods.

Airline programs

Frequent flyer currencies, including the sweet spots that justify transfers in from bank points.

Hotel programs

Hotel point currencies and what a point realistically buys.

Cruise programs

Cruise line loyalty currencies. Values reflect only what the program has published, so a program that has not published redemption rates shows exactly that.

Rail programs

Rail loyalty currencies. Reward travel is priced off the cash fare, so each page shows the one value a point holds and the bank points that transfer in.

Retail programs

Store points earned with a co-branded card. A point is worth what the store takes off a purchase, so each page shows that one value.

How we value points. Every benchmark on these pages carries a redemption method, a rationale you can read, and - where the program has an award chart - a range; 142 of 152 also cite a named source, and every sweet spot shows its last-verified date. Read the methodology.