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Ranked by Real-World Value Credit Card Reward Program Rankings

Not all rewards programs are created equal. Point value, earning efficiency, and policies impact real-world value. Filter by what matters to you and choose where to invest wisely.

Reward Program Rankings

RK

Reward Program

Broad Coverage

Everyday Usefulness

Earn/Redeem Efficiency

Policy Fairness

Ease Of Holding

Product/Transfer Quality

Hobby
Scores

RK

Reward Program

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Hobby
Scores

1

Air Canada Aeroplan

Value: 1.40¢ Total Points: 0

8

8

8

8

7

8

7.8

Air Canada Aeroplan

Value: 1.40¢ Total Points: 0

Broad Coverage 8

Everyday Usefulness 8

Earn/Redeem Efficiency 8

Policy Fairness 8

Ease Of Holding 7

Product/Transfer Quality 8

Sweet Spots

Domestic US and Canada in Economy
Canada to Hawaii in Economy
US to Hawaii in Economy on a Partner

Points Policies

Points Expire: Yes Extendable

Sharing: Anyone

Top Transfers

Capital One Miles 108% Value Retained

Membership Rewards 90% Value Retained

Ultimate Rewards 85% Value Retained

Bilt Rewards 82% Value Retained

2

Marriott Bonvoy

Value: 0.70¢ Total Points: 0

9

7

6

5

9

8

7.3

Marriott Bonvoy

Value: 0.70¢ Total Points: 0

Broad Coverage 9

Everyday Usefulness 7

Earn/Redeem Efficiency 6

Policy Fairness 5

Ease Of Holding 9

Product/Transfer Quality 8

Sweet Spots

Marriott Homes and Villas
The St. Regis Maldives Vommuli Resort

Points Policies

Points Expire: Yes Extendable

Sharing: Household

Top Transfers

Atmos Rewards 76% Value Retained

AerClub 71% Value Retained

ConnectMiles 71% Value Retained

Miles+Bonus 67% Value Retained

3

Hilton Honors

Value: 0.50¢ Total Points: 0

9

6

6

6

9

7

7.2

Hilton Honors

Value: 0.50¢ Total Points: 0

Broad Coverage 9

Everyday Usefulness 6

Earn/Redeem Efficiency 6

Policy Fairness 6

Ease Of Holding 9

Product/Transfer Quality 7

Sweet Spots

Grand Hotel du Palais Royal
Waldorf Astoria Costa Rica
Waldorf Astoria New York

Points Policies

Points Expire: Yes Extendable

Sharing: Household

Top Transfers

Membership Rewards 65% Value Retained

Club Premier 42% Value Retained

Virgin Atlantic Flying Club 42% Value Retained

Qantas Frequent Flyer 36% Value Retained

4

Wells Fargo Go Far Rewards

Value: 1.30¢ Total Points: 0

7

6

6

7

8

6

6.8

Wells Fargo Go Far Rewards

Value: 1.30¢ Total Points: 0

Broad Coverage 7

Everyday Usefulness 6

Earn/Redeem Efficiency 6

Policy Fairness 7

Ease Of Holding 8

Product/Transfer Quality 6

Sweet Spots

Transfer to JetBlue
Transfer to Choice Hotels

Points Policies

Points Expire: No

Sharing: Anyone

Top Transfers

AerClub 115% Value Retained

Choice Privileges Rewards 108% Value Retained

Virgin Atlantic Flying Club 108% Value Retained

Lifemiles 100% Value Retained

5

Virgin Atlantic Flying Club

Value: 1.40¢ Total Points: 0

5

6

7

7

7

8

6.6

Virgin Atlantic Flying Club

Value: 1.40¢ Total Points: 0

Broad Coverage 5

Everyday Usefulness 6

Earn/Redeem Efficiency 7

Policy Fairness 7

Ease Of Holding 7

Product/Transfer Quality 8

Sweet Spots

Intra-Europe in Economy on a Partner
US to Europe in Economy
Domestic US in Economy on a Partner

Points Policies

Points Expire: No

Sharing: Costly

Top Transfers

Go Far Rewards 108% Value Retained

Membership Rewards 90% Value Retained

Citi ThankYou Rewards 88% Value Retained

Ultimate Rewards 85% Value Retained

6

Finnair Plus

Value: 1.20¢ Total Points: 0

5

2

3

7

7

8

5.3

Finnair Plus

Value: 1.20¢ Total Points: 0

Broad Coverage 5

Everyday Usefulness 2

Earn/Redeem Efficiency 3

Policy Fairness 7

Ease Of Holding 7

Product/Transfer Quality 8

Sweet Spots

US to Hawaii in Economy on a Partner
US to Europe in Economy
US to Europe in Business

Points Policies

Points Expire: Yes Extendable

Sharing: Costly

Top Transfers

Capital One Miles 69% Value Retained

IHG One Rewards 40% Value Retained

Accor Live Limitless 35% Value Retained

7

Bank of America

Value: 1.00¢ Total Points: 0

5

4

4

6

7

2

4.6

Bank of America

Value: 1.00¢ Total Points: 0

8

Discover it Miles

Value: 1.00¢ Total Points: 0

4

4

4

5

6

-

4.5

Discover it Miles

Value: 1.00¢ Total Points: 0

9

Spirit Airlines (Free Spirit)

Value: 1.10¢ Total Points: 0

3

3

4

3

3

4

3.3

Spirit Airlines (Free Spirit)

Value: 1.10¢ Total Points: 0

10

Frontier Miles

Value: 1.20¢ Total Points: 0

3

2

4

3

3

3

3

Frontier Miles

Value: 1.20¢ Total Points: 0

Broad Coverage 3

Everyday Usefulness 2

Earn/Redeem Efficiency 4

Policy Fairness 3

Ease Of Holding 3

Product/Transfer Quality 3

Sweet Spots

Domestic US in Economy
US to Central America in Economy
US to the Caribbean in Economy

Points Policies

Points Expire: Yes Fixed

Sharing: Anyone

Top Transfers

Marriott Bonvoy 57% Value Retained

Wyndham Rewards 24% Value Retained

No point systems match the selected filter.