Optimization report
Your portfolio - October 2026
Generated for: Sample User. Connected via Plaid: 4 cards.
Total points
520,000
across 5 programs
Estimated value
$10,435
balanced redemption mode
Top CPP this report
8.6¢
ANA First Class via Amex MR
Your portfolio at today's rates
| Program | Points | CPP (typ.) | Value |
|---|---|---|---|
| Chase Ultimate Rewards | 145,000 | 2.1¢ | $3,045 |
| Amex Membership Rewards | 215,000 | 2.0¢ | $4,300 |
| Capital One Venture | 90,000 | 1.8¢ | $1,620 |
| Bilt Rewards | 42,000 | 1.9¢ | $798 |
| Hyatt | 28,000 | 2.4¢ | $672 |
| Total | 520,000 | - | $10,435 |
Redemptions you can book right now
Park Hyatt Tokyo, 4 nights, peak season
85K UR + 28K Hyatt + 7K Bilt -> Hyatt -> Park Hyatt Tokyo
2.4¢
per point
United Polaris JFK to LHR (one-way, 1 traveler)
70K Chase UR -> United -> JFK-LHR Polaris
5.2¢
per point
ANA First Class JFK to NRT (one-way, 1 traveler)
110K Amex MR -> ANA -> First Class round-trip via partner
8.6¢
per point
Cards that unlock more redemptions
Welcome offers that close gaps in the redemptions above. We rank by first-year net value (offer minus annual fee minus opportunity cost).
Chase Sapphire Preferred
Offer: 100,000 UR after $5,000 spend
Closes
Park Hyatt Tokyo + 1 leg
Capital One Venture X
Offer: 75,000 Venture after $4,000 spend
Closes
Wyndham All-Inclusive partner redemption
Run yours in 60 seconds
Connect one card, get your first report free. We do the math. You decide what to book.
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