Points or Cash
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Who it's forBusiness and first class

Lie-flat seats for the price of an economy ticket.

The best redemptions are in premium cabins on partner airlines, and the space opens and closes in hours. Points or Cash knows the sweet spots, checks live award seats, and tells you exactly which transfer to make.

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.

Business class to Tokyo in April. I have 250k Amex and 120k Chase.Ask thisIs ANA first class through Virgin Atlantic still bookable this year?Ask thisBest way to fly Qatar Qsuites to the Maldives with points?Ask this

What Points or Cash handles for you

Space disappears fast

Cached award search across programs, nearby airports and flexible dates (preview: flights within about 60 days).

Knowing the sweet spot

Researched award prices for 19 programs, including the 2025 and 2026 chart changes.

Transfer timing

Which of your cards transfers instantly, and when to wait for a transfer bonus.

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

Qatar Qsuites to Doha via Atmos

US East Coast-Doha (5,001-7,000 mi), booked with Alaska + Hawaiian Atmos Rewards (formerly Alaska Mileage Plan / HawaiianMiles)
70,000 + $20 partner fee
Partner charts are minimums; Qatar sometimes prices above chart; Bilt is the only bank transfer.
From Bilt Check my dates

Qatar Qsuites to Doha via Qatar Privilege Club (Avios)

US-Doha, booked with Qatar Airways Privilege Club (Avios)
70,000 Avios off-peak (+~$100-250)
Peak much higher (~90-120k). Avios can be moved from BA/Iberia (Amex/Chase). 2026 restrictions on redeeming for non-family third parties.
From Capital One, Citi, 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

By text (preview)

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Points or Cash for others

Your first big redemptionYou have the points. Here is what they are worth.FamiliesFour seats, school holidays, one points balance.Optimizers and churnersExact math, in the assistant you already use.Frequent business travelersYou earn on work trips. Spend it on the ones you choose.