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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

Southwest Rapid Rewards

Value: 1.30¢ Total Points: 0

6

8

7

9

10

4

7.4

Southwest Rapid Rewards

Value: 1.30¢ Total Points: 0

Broad Coverage 6

Everyday Usefulness 8

Earn/Redeem Efficiency 7

Policy Fairness 9

Ease Of Holding 10

Product/Transfer Quality 4

Sweet Spots

US to Hawaii in Economy

Points Policies

Points Expire: No

Sharing: Costly

Top Transfers

Ultimate Rewards 79% Value Retained

Bilt Rewards 76% Value Retained

Best Western Rewards 62% Value Retained

Marriott Bonvoy 62% 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

JetBlue TrueBlue

Value: 1.30¢ Total Points: 0

5

4

6

8

10

5

6.3

JetBlue TrueBlue

Value: 1.30¢ Total Points: 0

Broad Coverage 5

Everyday Usefulness 4

Earn/Redeem Efficiency 6

Policy Fairness 8

Ease Of Holding 10

Product/Transfer Quality 5

Sweet Spots

US to Japan in Business on a Partner
US to Middle East in Business on a Partner
Domestic US in Economy

Points Policies

Points Expire: No

Sharing: Anyone

Top Transfers

Go Far Rewards 100% Value Retained

Citi ThankYou Rewards 81% Value Retained

Ultimate Rewards 79% Value Retained

Membership Rewards 67% Value Retained

6

Iberia Plus

Value: 1.20¢ Total Points: 0

7

3

4

7

7

6

5.7

Iberia Plus

Value: 1.20¢ Total Points: 0

Broad Coverage 7

Everyday Usefulness 3

Earn/Redeem Efficiency 4

Policy Fairness 7

Ease Of Holding 7

Product/Transfer Quality 6

Sweet Spots

Intra-Europe in Economy
US to Europe in Economy
US to Europe in Business

Points Policies

Points Expire: Yes Extendable

Sharing: Anyone

Top Transfers

Go Far Rewards 92% Value Retained

Membership Rewards 77% Value Retained

Ultimate Rewards 73% Value Retained

Bilt Rewards 71% Value Retained

7

Aer Lingus AerClub

Value: 1.50¢ Total Points: 0

4

3

7

7

7

5

5.5

Aer Lingus AerClub

Value: 1.50¢ Total Points: 0

Broad Coverage 4

Everyday Usefulness 3

Earn/Redeem Efficiency 7

Policy Fairness 7

Ease Of Holding 7

Product/Transfer Quality 5

Sweet Spots

US to Europe in Economy
US to Europe in Business

Points Policies

Points Expire: Yes Extendable

Sharing: No

Top Transfers

Go Far Rewards 115% Value Retained

Membership Rewards 97% Value Retained

Ultimate Rewards 91% Value Retained

Bilt Rewards 88% Value Retained

8

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

9

Japan Airlines (JAL)

Value: 1.40¢ Total Points: 0

5

4

5

5

4

9

5.3

Japan Airlines (JAL)

Value: 1.40¢ Total Points: 0

Broad Coverage 5

Everyday Usefulness 4

Earn/Redeem Efficiency 5

Policy Fairness 5

Ease Of Holding 4

Product/Transfer Quality 9

Sweet Spots

US to Japan in Business
US to Japan in Economy
US to Europe (Fifth freedom flights)

Points Policies

Points Expire: Yes Fixed

Sharing: Anyone

Top Transfers

Bilt Rewards 82% Value Retained

Capital One Miles 81% Value Retained

Marriott Bonvoy 67% Value Retained

IHG One Rewards 47% Value Retained

10

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

11

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

12

TAP Air Portugal (Miles&Go)

Value: 1.00¢ Total Points: 0

5

3

4

5

3

6

4.3

TAP Air Portugal (Miles&Go)

Value: 1.00¢ Total Points: 0

Broad Coverage 5

Everyday Usefulness 3

Earn/Redeem Efficiency 4

Policy Fairness 5

Ease Of Holding 3

Product/Transfer Quality 6

Sweet Spots

US to Europe in Economy
Within Asia in Business
US to Europe in Business

Points Policies

Points Expire: Yes Extendable

Sharing: Costly

Top Transfers

Capital One Miles 77% Value Retained

Bilt Rewards 59% Value Retained

Marriott Bonvoy 48% Value Retained

IHG One Rewards 33% Value Retained

13

LATAM Pass

Value: 1.30¢ Total Points: 0

4

2

4

4

5

6

4.2

LATAM Pass

Value: 1.30¢ Total Points: 0

Broad Coverage 4

Everyday Usefulness 2

Earn/Redeem Efficiency 4

Policy Fairness 4

Ease Of Holding 5

Product/Transfer Quality 6

Sweet Spots

US to South America in Economy

Points Policies

Points Expire: Yes Extendable

Sharing: Costly

Top Transfers

Marriott Bonvoy 62% Value Retained

Choice Privileges Rewards 37% Value Retained

World of Hyatt 31% Value Retained

Accor Live Limitless 30% Value Retained

14

EVA Air (Infinity MileageLands)

Value: 1.00¢ Total Points: 0

4

3

3

3

2

9

4

EVA Air (Infinity MileageLands)

Value: 1.00¢ Total Points: 0

Broad Coverage 4

Everyday Usefulness 3

Earn/Redeem Efficiency 3

Policy Fairness 3

Ease Of Holding 2

Product/Transfer Quality 9

Sweet Spots

US to Southeast Asia in Economy
US to Southeast Asia in Business

Points Policies

Points Expire: Yes Fixed

Sharing: Anyone

Top Transfers

Citi ThankYou Rewards 63% Value Retained

Capital One Miles 58% Value Retained

Hilton Honors 20% Value Retained

15

Aeromexico Club Premier

Value: 0.80¢ Total Points: 0

4

1

2

4

4

7

3.7

Aeromexico Club Premier

Value: 0.80¢ Total Points: 0

Broad Coverage 4

Everyday Usefulness 1

Earn/Redeem Efficiency 2

Policy Fairness 4

Ease Of Holding 4

Product/Transfer Quality 7

Sweet Spots

US to Mexico in Economy
US to Mexico in Business

Points Policies

Points Expire: No

Sharing: Household

Top Transfers

Membership Rewards 83% Value Retained

Capital One Miles 62% Value Retained

Best Western Rewards 51% Value Retained

Hilton Honors 42% Value Retained

16

Loganair Loyalty

Value: 1.30¢ Total Points: 0

3

2

4

4

4

4

3.5

Loganair Loyalty

Value: 1.30¢ Total Points: 0

No point systems match the selected filter.