ChatGPT
Pick ChatGPT if
You have a broad, open-ended travel question.
Which one fits you
Points or Cash
Pick Points or Cash if
You need live award seats, current transfer ratios and exact cents-per-point math, not general knowledge.
Side by side
As of 2026-11-01. Competitor details come from their own sites and published reviews, linked below.
| Points or Cash | ChatGPT | |
|---|---|---|
| Award seat search | Preview: cached award space for flights in the next ~60 days | No live award data |
| Cheapest cash fare | Cash fares from Kiwi.com, incl. 1-stop | Varies |
| Advice for your own points | Yes: your balances and researched transfer ratios (Nov 2026) | From general knowledge |
| Cents-per-point on each option | Calculated on the options it compares | If you do the math |
| Books cash travel | In testing: cash flights, hotels, tables (sandbox) | No |
| Books award tickets | No, step-by-step guidance | No |
| Conversational AI | Yes | Yes |
| Where you use it | Web; text in preview | Web, app |
| Price | Invite-only beta | Free; $20/mo Plus |
Try it on your next trip
Say where and when, and what points you hold. Points or Cash tells you whether to pay cash or transfer, and to which program.
Other comparisons
Points or Cash vs point.meAward search across programs, a human concierge that books for you, and a partnership with The Points Guy (July 2026).Points or Cash vs seats.aeroThe fastest cached award search, with an AI assistant and an MCP server for ChatGPT and Claude.Points or Cash vs RoameAward flight search with a SkyView calendar, plus cash hotel booking.Points or Cash vs PointsYeahAward flight and hotel search with alerts and a family wallet.Points or Cash vs AwardToolAward search across programs, with a free tier.Points or Cash vs MindtripA polished AI trip planner that books cash flights (Sabre + PayPal) and hotels.