Points or Cash
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Who it's forFamilies

Four seats, school holidays, one points balance.

Award seats for a family are rare and go fast. Points or Cash searches the dates you can actually travel, adds up points from both of your cards, and says when paying cash for the kids is smarter.

Start with a question like these

Each one opens Points or Cash with the question asked. Add your balances and it answers for your wallet.

Family of four, New York to Orlando over spring break. Points or cash?Ask thisWe have 200k Chase and 90k Amex between us. Can we get four seats to London in July?Ask thisCheapest way to get two adults and two kids to Hawaii in December?Ask this

What Points or Cash handles for you

Finding four seats

Award search across programs and nearby airports, for the number of travelers you need (preview: flights within about 60 days).

Points split across two people

Tell Points or Cash both wallets. It works out which balances to combine and where they transfer.

Flights and hotels together

Plan flights, hotels and dinner in one conversation. Cash booking is in testing.

Sweet spots worth knowing

Award prices as of 2026-11-01. Seats come and go; Points or Cash checks live space for your dates.

Atmos partner short-haul economy

Flights <700 mi on AA/Alaska/Hawaiian, booked with Alaska + Hawaiian Atmos Rewards (formerly Alaska Mileage Plan / HawaiianMiles)
4,500 one-way
Partner awards add $20 fee (not on Alaska/Hawaiian metal).
From Bilt Check my dates

Atmos first class to Hawaii / transcon on Alaska-Hawaiian metal

West Coast-Hawaii, transcon (2,101-3,500 mi), booked with Alaska + Hawaiian Atmos Rewards (formerly Alaska Mileage Plan / HawaiianMiles)
30,000 one-way (economy 12,500)
Saver space varies; Hawaiian A330/A321 lie-flat routes best.
From Bilt Check my dates

Etihad Guest short-haul AA economy

AA flights <500 mi, booked with Etihad Guest
6,000 one-way (business 20,000)
Amex transfers ended June 2026; actual prices may exceed chart; good for expensive short hops.
From Capital One, Citi Check my dates

Flying Blue Promo Rewards

US-Europe on Air France/KLM (monthly promo origins), booked with Air France-KLM Flying Blue
Business from ~45,000 (e.g. MSP); PE ~30,000 (Light fare level)
Since Sept 2026 Light fares strip bags/changes/lounge; surcharges ~$300-600 business; promos change monthly.
From Amex, Chase, Capital One, Citi, Bilt, Wells Fargo Check my dates

Turkish Miles&Smiles United domestic

Any US domestic United itinerary (incl. transcon), booked with Turkish Airlines Miles&Smiles
15,000 economy / 22,500 business (Hawaii now 25,000 / 40,000)
Devalued Dec 2025 (was 10k/15k); phone booking often needed; still OK for long/expensive domestic or United Polaris transcon.
From Capital One, Citi, Bilt Check my dates

By text (preview)

Ask from the school pickup line and get the answer in a few lines. Seat alerts are coming.

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Points or Cash for others

Your first big redemptionYou have the points. Here is what they are worth.Business and first classLie-flat seats for the price of an economy ticket.Optimizers and churnersExact math, in the assistant you already use.Frequent business travelersYou earn on work trips. Spend it on the ones you choose.