Points or Cash
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Who it's forYour first big redemption

You have the points. Here is what they are worth.

You hold an Amex Platinum or a Chase Sapphire, the balance keeps growing, and every guide assumes you already know what Aeroplan is. Points or Cash starts from your balance and your trip.

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.

I have 150,000 Amex points. What is the best trip I can take with them?Ask thisIs 60,000 points for business class to Europe a good deal?Ask thisShould I use my Chase points for a $450 flight to Denver, or pay cash?Ask this

What Points or Cash handles for you

Not sure it is a good deal

Every option comes with its value in cents per point, next to the cash fare, so "good" has a number.

Scared of wasting points

Transfers can't be undone. Points or Cash tells you to confirm the seat on the airline site first, every time.

Too many programs

You only see the programs your own cards transfer to, with the ratio.

Sweet spots worth knowing

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

ANA business/first to Japan via Virgin Atlantic

US-Tokyo on ANA, booked with Virgin Atlantic Flying Club
Business 52,500 (West Coast) / 60,000 (Central & East) one-way; First 72,500 / 85,000; Hawaii-Japan business 37,500
Phone booking only; ANA saver space (esp. first) released ~355 days out and scarce; low taxes. Unconfirmed rumors of a 2026 repricing—verify.
From Amex, Chase, Capital One, Citi, Bilt, Wells Fargo Check my dates

Aeroplan partner business to Europe (East Coast)

US East Coast-Western Europe (0-4,000 mi) on Star Alliance partners, booked with Air Canada Aeroplan
60,000 one-way (75,000 for 4,001-6,000 mi, e.g. West Coast/Midwest)
June 2026 chart raised 4,001-6,000 mi business 70k->75k; no fuel surcharges on most partners; partner booking fee. Add a 5,000-point stopover.
From Amex, Chase, Capital One, Bilt Check my dates

JAL business/first to Japan via Atmos

Seattle-Tokyo (3,501-5,000 mi) / LAX, SFO, JFK-Tokyo (5,001-7,000 mi), booked with Alaska + Hawaiian Atmos Rewards (formerly Alaska Mileage Plan / HawaiianMiles)
Business 60,000 (SEA) / 75,000 (others); First 90,000 / 110,000
JAL releases good partner space; $20 partner fee; prices are minimums.
From Bilt Check my dates

JAL business to Japan via AAdvantage

US-Japan (Asia 1), booked with American Airlines AAdvantage
Business 60,000; First 80,000
Partner chart unchanged in 2026; low taxes on JAL; Citi now 1:1 (premium cards) since July 2026.
From Citi Check my dates

AAdvantage partner business to Europe (avoid BA)

US-Europe on Iberia, Finnair, (Aer Lingus via AA), booked with American Airlines AAdvantage
57,500 one-way
BA-operated awards carry ~$400-700 surcharges; Finnair/Iberia low fees.
From 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

On the web

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Points or Cash for others

FamiliesFour seats, school holidays, one points balance.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.