Points or Cash
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Who it's forFrequent business travelers

You earn on work trips. Spend it on the ones you choose.

Airline status, a corporate card and a pile of points from work travel. Points or Cash turns them into the personal trip, and weighs your card's travel portal against a transfer.

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 Delta Platinum and 300k Amex points. Best way to get to Rome for a week in June?Ask thisIs Amex Travel or a transfer better for business class to London?Ask thisUse my United miles or Chase points for Hawaii in March?Ask this

What Points or Cash handles for you

Status and points across programs

Tell Points or Cash your status and balances, and it plans around them.

Amex Travel and portals

Pay with Points, the Business Platinum rebate and the International Airline Program, compared with transfers.

No time to research

One question by text, one answer back.

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

Aeroplan stopover on one-way awards

Any international one-way (e.g. US-Lisbon-Rome), booked with Air Canada Aeroplan
+5,000 points
One stopover per one-way; not on within-North America awards.
From Amex, Chase, Capital One, Bilt Check my dates

Iberia off-peak business to Madrid

NYC/Boston/Washington/Chicago-Madrid on Iberia, booked with British Airways Club Avios (also Iberia Club, Aer Lingus AerClub; Avios move 1:1 between BA/Iberia/Qatar/Aer Lingus)
34,000-40,500 Avios off-peak + ~$125-250
Book via Iberia Club (transfer to BA and combine, or Chase/Bilt/Wells Fargo to Iberia). Reports conflict whether off-peak is now 40.5k. Limited off-peak space.
From Amex, Chase, Capital One, Bilt, Wells Fargo 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

Flying Blue Light business to Europe

US-Paris/Amsterdam, booked with Air France-KLM Flying Blue
from 60,000 (Light) / 75,000 (Standard)
Dynamic; Light non-refundable/no lounge; surcharges ~$300-600.
From Amex, Chase, Capital One, Citi, Bilt, Wells Fargo Check my dates

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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.Business and first classLie-flat seats for the price of an economy ticket.Optimizers and churnersExact math, in the assistant you already use.