Theresa Chalfant, Writer
@theresa_chalfant
Chase Ultimate Rewards points are the most valuable credit card points, worth an average of 0.95 cents per point and up to 1 cent each when used for travel.
Most Valuable Credit Card Points
| Card | Average Value | Best Value | Program |
| 1.11 cents | 1.5 cents | HSBC Rewards | |
| 1.04 cents | 1.1 cents* | UBS My Choice Rewards | |
| 0.85 cents | 1 cent |
* You can get the best redemption value for the UBS Visa Infinite Credit Card when you use your points to pay for the $650 annual fee. Otherwise, the best redemption option is travel, which gets you 1.1 cents per point.
For comparison, credit card points are usually worth about 1 cent each, although their value can vary depending on the issuer, card type, and redemption method.
Other Credit Cards with Valuable Points
Certain cards may offer a high redemption value for a particular option but low savings potential overall due to low earning rates. One example is the Mastercard® Gold Card, which offers points worth 1.33 cents on average and 2 cents when redeemed for cash back. However, cardholders only earn 1 point per $1 spent on purchases and must pay a $995 annual fee. As a result, we did not include this card in the table above.
It is also worth noting that several of the largest credit card issuers have different points programs for different cards, and the value of their points can vary between programs.
Most Valuable Co-Branded Credit Card Points
You can also get significant value out of loyalty points from co-branded cards like the Amtrak Credit Card. Amtrak Guest Rewards points are worth up to 2.93 cents each and are most valuable when used for Amtrak travel. The Amtrak Credit Card offers 1 - 3 points per $1 spent, and the points can be redeemed for hotel stays, car rentals, cruises, gift cards, and Amtrak travel.
For more options, check out WalletHub’s picks for the best rewards cards overall. You can also learn how to maximize your rewards from WalletHub’s full guide on credit card points.
People also ask
How much are 10,000 reward points worth?
10,000 reward points are worth around $100, on average, but the exact value depends on which rewards program is offering the points and how you redeem them. In some cases, your reward points could be worth a lot more or a lot less. Below, you can find examples of how much 10,000 reward points are worth across various credit card, hotel and airline rewards programs.
How Much 10,000 Reward Points Are Worth
... read full answer by Adam McCann, Financial WriterHow much are 50,000 American Express points worth?
50,000 American Express points are worth about $360, depending on which American Express credit card you have and what you spend the points on. You will get the best value for your American Express points when you redeem them for Travel, but there are multiple redemption options.
All Amex cards that offer points belong to the “Membership Rewards” program. Amex offers cash back credit cards as well.
How Much American Express Points Are Worth
... read full answer by Chip Lupo, Credit Card WriterAre rewards credit cards worth it?
Rewards credit cards are worth it because they can save you a lot of money, as long as you avoid interest charges by paying your bill in full every month. The best rewards credit cards are worth more than $2,000 in savings for the average person over the first two years of use, even after annual fees.
You need good or excellent credit to get the most worthwhile rewards cards, however. Things aren’t as clear-cut for people with lower scores.
... read full answer by WalletHub, Financial CompanyDid we answer your question?
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