Points or Cash
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Who it's forOptimizers and churners

Exact math, in the assistant you already use.

You know the programs. You want the numbers fast: current ratios, card-tier differences, cents per point against the real cash fare. Points or Cash does the lookups and the math so you can make the call.

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.

Compare Flying Blue, Aeroplan and Virgin Atlantic for JFK to Paris in business in May.Ask thisWhat is Citi to American worth on a Strata Premier vs a lower card?Ask thisAmex Business Platinum Pay with Points vs a transfer for a $3,200 business fare?Ask this

What Points or Cash handles for you

Ratios keep changing

Transfer ratios researched in November 2026, mostly from the banks' own pages, including card-tier differences like Citi's 70% rate.

Cash fare benchmark

A real cash fare, including 1-stop, as the baseline for every redemption.

Portal vs transfer

Amex Travel and Chase pricing weighed against a transfer, in the same table.

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

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

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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.Frequent business travelersYou earn on work trips. Spend it on the ones you choose.