Calculator

Cash vs points.

Should you pay cash or use your hotel points? Drop in the rate and points and we'll show which option keeps more value in your pocket.

Compare your options

Enter your booking details below.

How to decide.

Use points when...

Your redemption value beats the program's baseline cpp, or you have more points than you can use.

Pay cash when...

Redemption value falls below baseline, you're chasing status, or cash rates are unusually low.

Consider both...

Factor in elite credit, card benefits, and whether better redemptions are queued up for those points.

Baseline point values.

Use these as the benchmark for cash-vs-points decisions.

Marriott Bonvoy

0.8

cents per point

Hilton Honors

0.5

cents per point

World of Hyatt

1.7

cents per point

IHG One Rewards

0.5

cents per point

Wyndham Rewards

1.0

cents per point

Choice Privileges

0.6

cents per point

Accor Live Limitless

2.2

cents per point

Radisson Rewards

0.4

cents per point