# Points Frog Airline, hotel, bank and other rewards programs, estimates of redemption value, sourced historical observations, loyalty news and transfer bonuses. A valuation drop alone does not prove a program devaluation. Last updated: 2026-10-18. Pages rebuild from the live catalog every few minutes; each program page shows the date its value was last set, and each card the date its terms were checked. How values and rankings are made, and how to cite them: https://www.pointsfrog.com/about - [News](https://www.pointsfrog.com/news) - [Transfer bonuses](https://www.pointsfrog.com/transfer-bonuses) - [Program directory](https://www.pointsfrog.com/programs) - [Best points programs](https://www.pointsfrog.com/best-points-programs) - [Best credit cards by category](https://www.pointsfrog.com/best-credit-cards) - [Money calculators](https://www.pointsfrog.com/calculators) - [All news RSS](https://www.pointsfrog.com/news/feed.xml) - [Everything in one file](https://www.pointsfrog.com/llms-full.txt): this map plus every story's headline, date and summary For structured data, the free public read API at https://api.pointsfrog.com/public/v1 serves each program's estimated value per point (/public/v1/point-values) and Points Frog's news (/public/v1/news?site=points); no key needed. OpenAPI document: https://api.pointsfrog.com/public/v1/openapi.yaml. Every record carries the url of its page, which is the address to cite. ## Points programs ranked by value Each list ranks programs by Points Frog's estimated redemption value per point; programs at the same value share a place. - [The best transferable points currencies](https://www.pointsfrog.com/best-points-programs/transferable-points): 2 transferable points currencies share the top spot as of October 13, 2026, each at an estimated 2.1¢ per point: American Express Membership Rewards and Bilt Rewards. 50,000 of any of them are worth about $1,050. Chase Ultimate Rewards (2¢) and Capital One Miles (1.8¢) follow. 6 programs are ranked by Points Frog's estimated redemption value per point. - [The most valuable airline miles](https://www.pointsfrog.com/best-points-programs/airline-miles): The most valuable airline currency as of October 13, 2026 is Alaska Airlines Atmos Rewards, at an estimated 1.55¢ per mile: 50,000 are worth about $775. Asiana Airlines Asiana Club (1.5¢) and Air Canada Aeroplan (1.45¢) follow. 102 programs are ranked by Points Frog's estimated redemption value per point. - [The best US airline miles programs](https://www.pointsfrog.com/best-points-programs/us-airline-miles): The best US airline program as of October 13, 2026 is Alaska Airlines Atmos Rewards, at an estimated 1.55¢ per mile: 50,000 are worth about $775. American Airlines AAdvantage (1.45¢) and JetBlue TrueBlue (1.3¢) follow. 11 programs are ranked by Points Frog's estimated redemption value per point. - [The best Canadian airline points programs](https://www.pointsfrog.com/best-points-programs/canada-airline-miles): The best Canadian airline program as of October 13, 2026 is Air Canada Aeroplan, at an estimated 1.45¢ per point: 50,000 are worth about $725. Porter Airlines VIPorter (1.1¢) and WestJet Rewards (0.73¢) follow. 3 programs are ranked by Points Frog's estimated redemption value per point. - [The best European airline miles programs](https://www.pointsfrog.com/best-points-programs/europe-airline-miles): The best European airline program as of October 13, 2026 is Virgin Atlantic Flying Club, at an estimated 1.4¢ per point: 50,000 are worth about $700. Aer Lingus AerClub (1.3¢) and Air France-KLM Flying Blue (1.3¢) follow. 20 programs are ranked by Points Frog's estimated redemption value per point. - [The best Middle East airline miles programs](https://www.pointsfrog.com/best-points-programs/middle-east-airline-miles): The best Middle East airline program as of October 13, 2026 is Qatar Airways Privilege Club, at an estimated 1.3¢ per Avios: 50,000 are worth about $650. El Al Matmid (1.2¢) and Emirates Skywards (1.2¢) follow. 13 programs are ranked by Points Frog's estimated redemption value per point. - [The best Asian airline miles programs](https://www.pointsfrog.com/best-points-programs/asia-airline-miles): The best Asian airline program as of October 13, 2026 is Asiana Airlines Asiana Club, at an estimated 1.5¢ per mile: 50,000 are worth about $750. Korean Air SKYPASS (1.45¢) and ANA Mileage Club (1.4¢) follow. 34 programs are ranked by Points Frog's estimated redemption value per point. - [The best Latin American airline miles programs](https://www.pointsfrog.com/best-points-programs/latin-america-airline-miles): The best Latin American airline program as of October 13, 2026 is Avianca LifeMiles, at an estimated 1.4¢ per mile: 50,000 are worth about $700. Copa Airlines ConnectMiles (1.3¢) and LATAM Airlines LATAM Pass (1.2¢) follow. 10 programs are ranked by Points Frog's estimated redemption value per point. - [The best Australia and Pacific airline points programs](https://www.pointsfrog.com/best-points-programs/oceania-airline-miles): The best Australia and Pacific airline program as of October 13, 2026 is Qantas Frequent Flyer, at an estimated 1.2¢ per point: 50,000 are worth about $600. Virgin Australia Velocity Frequent Flyer (1.15¢) and Fiji Airways Tabua Club (1¢) follow. 3 programs are ranked by Points Frog's estimated redemption value per point. ## Best credit cards by spending category Ranked by cents back per dollar in the category: the card's earning rate times Points Frog's value for its points (cash back at 1 cent), from each issuer's card page. Fees and caps are listed on each page; welcome bonuses and credits are left out. - [The best credit cards for dining](https://www.pointsfrog.com/best-credit-cards/dining): The best credit card for dining as of October 18, 2026 is the Amex Gold Card: 4x Membership Rewards points at restaurants on up to $50,000 a year, then 1x (8.4¢ back per dollar at 2.1¢ a point), with a $325 annual fee. Chase Sapphire Preferred (6¢) and Chase Sapphire Reserve (6¢) follow, in cents back per dollar. - [The best credit cards for groceries](https://www.pointsfrog.com/best-credit-cards/groceries): The best credit card for groceries as of October 18, 2026 is the Amex Gold Card: 4x Membership Rewards points at supermarkets on up to $25,000 a year, then 1x (8.4¢ back per dollar at 2.1¢ a point), with a $325 annual fee. Amex Blue Cash Preferred (6¢) and Citi Strata Premier (5.25¢) follow, in cents back per dollar. - [The best credit cards for flights](https://www.pointsfrog.com/best-credit-cards/flights): The best credit card for flights as of October 18, 2026 is the Amex Platinum Card: 5x Membership Rewards points on flights booked with the airline on up to $500,000 a year, then 1x (10.5¢ back per dollar at 2.1¢ a point), with a $895 annual fee. Chase Sapphire Reserve (8¢) and Amex Gold Card (6.3¢) follow, in cents back per dollar. - [The best credit cards for hotels](https://www.pointsfrog.com/best-credit-cards/hotels): The best credit card for hotels as of October 18, 2026 is the Chase Sapphire Reserve: 4x Ultimate Rewards points on hotels booked directly (8¢ back per dollar at 2¢ a point), with a $795 annual fee. Citi Strata Premier (5.25¢) and Wells Fargo Autograph (4.8¢) follow, in cents back per dollar. - [The best credit cards for gas](https://www.pointsfrog.com/best-credit-cards/gas): The best credit card for gas as of October 18, 2026 is the Chase Sapphire Preferred: 3x Ultimate Rewards points at gas stations (6¢ back per dollar at 2¢ a point), with a $95 annual fee. Citi Strata Premier (5.25¢) and Wells Fargo Autograph (4.8¢) follow, in cents back per dollar. - [The best credit cards for streaming](https://www.pointsfrog.com/best-credit-cards/streaming): The best credit card for streaming as of October 18, 2026 is the Amex Blue Cash Preferred: 6% cash back on streaming subscriptions, with a $95 annual fee. Chase Sapphire Preferred (6¢) and Wells Fargo Autograph (4.8¢) follow, in cents back per dollar. - [The best credit cards for everyday spending](https://www.pointsfrog.com/best-credit-cards/everyday-spending): The best credit card for everyday spending as of October 18, 2026 is the Capital One Venture: 2x Capital One miles on everyday purchases outside bonus categories (3.6¢ back per dollar at 1.8¢ a point), with a $95 annual fee. Capital One Venture X (3.6¢) and Citi Strata Elite (2.63¢) follow, in cents back per dollar. - [The best no annual fee credit cards](https://www.pointsfrog.com/best-credit-cards/no-annual-fee): The best no annual fee credit card as of October 18, 2026 is the Citi Double Cash: 2x ThankYou points on everyday purchases (2.45¢ back per dollar at 1.22¢ a point), with no annual fee. Wells Fargo Active Cash (2¢) and Wells Fargo Autograph (1.6¢) follow, in cents back per dollar. ## Program comparisons Close rivals side by side, with a verdict, a table and quick answers, at https://www.pointsfrog.com/compare/-vs- (slugs in alphabetical order): banks against banks, hotels against hotels, airlines against airlines from the same region. The transferable points pairs: - [American Express Membership Rewards vs Bilt Rewards](https://www.pointsfrog.com/compare/amex-membership-rewards-vs-bilt-rewards): American Express Membership Rewards points and Bilt Rewards points are worth the same on Points Frog's valuations as of October 13, 2026: an estimated 2.1¢ each, so 50,000 of either come to about $1,050. - [American Express Membership Rewards vs Chase Ultimate Rewards](https://www.pointsfrog.com/compare/amex-membership-rewards-vs-chase-ultimate-rewards): American Express Membership Rewards points are worth more as of October 13, 2026: an estimated 2.1¢ each against 2¢ for Chase Ultimate Rewards points, 5% more per point. - [American Express Membership Rewards vs Capital One Miles](https://www.pointsfrog.com/compare/amex-membership-rewards-vs-capital-one-miles): American Express Membership Rewards points are worth more as of October 13, 2026: an estimated 2.1¢ each against 1.8¢ for Capital One Miles, 17% more per point. - [American Express Membership Rewards vs Citi ThankYou Rewards](https://www.pointsfrog.com/compare/amex-membership-rewards-vs-citi-thankyou): American Express Membership Rewards points are worth more as of October 13, 2026: an estimated 2.1¢ each against 1.75¢ for Citi ThankYou Rewards points, 20% more per point. - [Bilt Rewards vs Chase Ultimate Rewards](https://www.pointsfrog.com/compare/bilt-rewards-vs-chase-ultimate-rewards): Bilt Rewards points are worth more as of October 13, 2026: an estimated 2.1¢ each against 2¢ for Chase Ultimate Rewards points, 5% more per point. - [Capital One Miles vs Chase Ultimate Rewards](https://www.pointsfrog.com/compare/capital-one-miles-vs-chase-ultimate-rewards): Chase Ultimate Rewards points are worth more as of October 13, 2026: an estimated 2¢ each against 1.8¢ for Capital One Miles, 11% more per point. - [Chase Ultimate Rewards vs Citi ThankYou Rewards](https://www.pointsfrog.com/compare/chase-ultimate-rewards-vs-citi-thankyou): Chase Ultimate Rewards points are worth more as of October 13, 2026: an estimated 2¢ each against 1.75¢ for Citi ThankYou Rewards points, 14% more per point. - [Bilt Rewards vs Capital One Miles](https://www.pointsfrog.com/compare/bilt-rewards-vs-capital-one-miles): Bilt Rewards points are worth more as of October 13, 2026: an estimated 2.1¢ each against 1.8¢ for Capital One Miles, 17% more per point. - [Bilt Rewards vs Citi ThankYou Rewards](https://www.pointsfrog.com/compare/bilt-rewards-vs-citi-thankyou): Bilt Rewards points are worth more as of October 13, 2026: an estimated 2.1¢ each against 1.75¢ for Citi ThankYou Rewards points, 20% more per point. - [Capital One Miles vs Citi ThankYou Rewards](https://www.pointsfrog.com/compare/capital-one-miles-vs-citi-thankyou): Capital One Miles are worth more as of October 13, 2026: an estimated 1.8¢ each against 1.75¢ for Citi ThankYou Rewards points, 3% more per point. - [Capital One Miles vs Wells Fargo Rewards](https://www.pointsfrog.com/compare/capital-one-miles-vs-wells-fargo-rewards): Capital One Miles are worth more as of October 13, 2026: an estimated 1.8¢ each against 1.6¢ for Wells Fargo Rewards points, 13% more per point. - [Citi ThankYou Rewards vs Wells Fargo Rewards](https://www.pointsfrog.com/compare/citi-thankyou-vs-wells-fargo-rewards): Citi ThankYou Rewards points are worth more as of October 13, 2026: an estimated 1.75¢ each against 1.6¢ for Wells Fargo Rewards points, 9% more per point. - [Chase Ultimate Rewards vs Wells Fargo Rewards](https://www.pointsfrog.com/compare/chase-ultimate-rewards-vs-wells-fargo-rewards): Chase Ultimate Rewards points are worth more as of October 13, 2026: an estimated 2¢ each against 1.6¢ for Wells Fargo Rewards points, 25% more per point. - [American Express Membership Rewards vs Wells Fargo Rewards](https://www.pointsfrog.com/compare/amex-membership-rewards-vs-wells-fargo-rewards): American Express Membership Rewards points are worth more as of October 13, 2026: an estimated 2.1¢ each against 1.6¢ for Wells Fargo Rewards points, 31% more per point. ## Money calculators - [All calculators](https://www.pointsfrog.com/calculators) - [Retirement calculator](https://www.pointsfrog.com/retirement-calculator): are you saving enough? Compound growth to retirement in today's dollars, in a steady 4%-after-inflation case and an optimistic case at the S&P 500's 6.8%-after-inflation average since 1957, checked against a 25x (4% rule) goal - [Income percentile calculator](https://www.pointsfrog.com/income-percentile): your income's percentile for your age in the US or any state, from the US Census Bureau, 2024 American Community Survey 1-year Public Use Microdata Sample. US adults with income: median $42,600, top 10% from $130,000, top 1% from about $447,000; full-time, year-round workers: median $60,900 - [Home affordability calculator](https://www.pointsfrog.com/home-affordability-calculator): how much house you can afford under the 28/36 rule and how mortgage rates change it. With $100,000 income, $500/month other debts and $40,000 down: about $309,000 at the 7.4% 30-year average (Freddie Mac, October 15, 2026), $342,000 at 6%, $369,000 at 5% - [House poor calculator](https://www.pointsfrog.com/house-poor-calculator): am I house poor? Housing costs (mortgage, property tax, insurance, HOA, utilities) over 30% of gross income is HUD's cost-burden line, over 50% severe; lenders aim for 28% housing and 36% total debt. About 27% of US households with a mortgage were over 30% in 2023 (Census ACS via Pew Research Center) - [Travel budget calculator](https://www.pointsfrog.com/travel-budget-calculator): how much money a trip needs, in US dollars and 24 other currencies at ECB reference rates (via Frankfurter, updated daily). Flights per traveler, lodging per night, and food, local transport and activities per traveler per day (nights + 1 days), plus a buffer. Example: 7 nights for two, $750 round-trip flights each, $200 a night, $105 a day each, 10% buffer = $5,038, $2,519 per person. Card foreign transaction fees, typically 1% to 3%, are extra - [Which credit card earns the most on my spending?](https://www.pointsfrog.com/best-credit-card-for-my-spending): ranks 14 popular US rewards cards by a year of rewards minus the annual fee, with points at Points Frog's valuations and category caps applied (welcome offers and credits left out; earn rates from issuers, checked 2026-10-18). On average US spending of $2,832/month (BLS food, gas and travel averages): Capital One Venture $1,128, Amex Gold Card $1,082, Citi Strata Premier $1,027 a year; best no-fee card Wells Fargo Autograph $856 - [Inflation calculator](https://www.pointsfrog.com/inflation-calculator): what money from any year since 1913 is worth today, from BLS CPI-U annual averages and the September 2026 index. $100 from 1990 is worth $257.80, $100 from 2000 $195.67, $1 from 1913 $34.03; prices have risen 3.2% a year on average since 1913, 2.6% in 2025 and 3.7% in the 12 months to September 2026 - [FIRE calculator](https://www.pointsfrog.com/fire-calculator): your FIRE number (yearly spending ÷ withdrawal rate: 25x at 4%, so $40,000 a year needs $1,000,000, or $1,142,857 at 3.5%) and the age you reach it at a steady 4% or the S&P 500's 6.8% return after inflation. From $0 at 4%, a 50% savings rate takes about 18 years and 25% about 35. Lean FIRE is living on about $40,000 a year or less ($1,000,000), Fat FIRE $100,000 or more ($2,500,000); Coast FIRE for a 30-year-old aiming at $1,000,000 by 65 is about $253,000 invested at 4% - [Cents per point calculator](https://www.pointsfrog.com/cents-per-point-calculator): is a points or miles redemption a good deal? Cents per point = (cash price − award taxes, fees and cash part) ÷ points × 100, compared with Points Frog's value for the program: great at 20% or more above it, poor more than 10% below. A $420 flight for 25,000 miles plus $11.20 in fees returns 1.64¢ a mile; Chase cash back is 1¢ a point and Amex points used to cover a charge 0.6¢ - [Mortgage calculator](https://www.pointsfrog.com/mortgage-calculator): monthly payment with property tax, insurance, PMI and HOA, a yearly amortization schedule and what extra principal saves. Each $100,000 borrowed costs $692 a month over 30 years at the 7.4% average (Freddie Mac, October 15, 2026). The $417,500 median home (NAR, September 2026) with 20% down, a $334,000 loan: $2,313 a month and $498,517 of interest over 30 years at 7.4%, or $2,948 a month and $196,675 of interest over 15 years at 6.71% - [Rent vs buy calculator](https://www.pointsfrog.com/rent-vs-buy-calculator): is it better to rent or buy? Net worth from buying versus renting and investing the difference, year by year, with the break-even year. A $400,000 home with $80,000 down at the 7.4% 30-year average (Freddie Mac, October 15, 2026) costs $3,016 a month to own in year one, against $2,014 to rent a similar home for $2,000. After 10 years, renting and investing at 8.3% (a 60/40 stock and bond mix, 1928-2025, NYU Stern) leaves $366,951 against $283,520 from buying after selling costs; buying doesn't break even within 30 years at 8.3% and breaks even in year 10 at 4.5%. Over 10 years buying wins below a price-to-rent ratio of about 13.9 at 8.3%. Defaults: home prices +4.3%/yr (FHFA since 1991), rents +3.3%/yr (CPI since 1991), 3% to buy and 8% to sell, 0.9% property tax, 0.5% insurance, 1% maintenance - [Credit card payoff calculator](https://www.pointsfrog.com/credit-card-payoff-calculator): how long credit card debt takes to pay off, and the debt avalanche (highest APR first) vs the debt snowball (smallest balance first). At the 21.19% average card APR (Federal Reserve G.19, August 2026), $5,000 at $200 a month takes 2 years, 10 months and $1,655 in interest; paying only a 1%-plus-interest minimum takes 19 years, 1 month and $7,782. Three cards totaling $13,500 at $700 a month: the avalanche saves $355 in interest, the snowball clears its first card in 5 months instead of 1 year, 7 months - [Credit card annual fee calculator](https://www.pointsfrog.com/credit-card-annual-fee-calculator): is a card's annual fee worth it? Net value = statement credits you'd use + lounge visits + points x value per point + other perks - annual fee - the cash back a no-fee 2% card would pay on the same spending. For a household spending $23,757 a year, using broad credits fully and coupon-style credits half, with 4 lounge visits at $79 on lounge cards and Points Frog's point values: Amex Platinum ($895 fee) +$1,014 a year, Sapphire Reserve ($795 fee) +$1,131 a year, Venture X ($395 fee) +$796 a year, Strata Elite ($595 fee) +$338 a year, Amex Gold ($325 fee) +$580 a year, Sapphire Preferred ($95 fee) +$220 a year; card terms checked 2026-10-18 - [Lounge access calculator](https://www.pointsfrog.com/lounge-access-calculator): is Priority Pass worth it? Day passes vs. Priority Pass vs. a card with lounge access. US Priority Pass (October 18, 2026): Standard $99/year plus $35 a visit, Standard Plus $329 with 10 free visits, Prestige $469 unlimited; guests $35 a visit on every plan. Against $60 day passes, Standard pays off from 4 visits a year, Standard Plus from 6, Prestige from 8. US lounge day passes run $45 (Escape Lounges, online) to $79 (Admirals Club) - [15 vs 30-year mortgage calculator](https://www.pointsfrog.com/15-vs-30-year-mortgage-calculator): how much a 15-year mortgage saves. On $334,000 (80% of the median home price) at Freddie Mac's 6.71% 15-year and 7.4% 30-year averages (October 15, 2026): $2,948 vs $2,313 a month ($636 more), $196,675 vs $498,517 of interest, a $301,842 saving. Taking the 30-year loan and investing the difference only wins above about 9.0% a year - [Car loan calculator](https://www.pointsfrog.com/car-loan-calculator): car payment and total interest. The $50,562 average new car (Kelley Blue Book, September 2026) with $5,000 down at 7.54% (Federal Reserve average 60-month new-car rate at banks, August 2026): $914 a month and $9,268 interest over 60 months; $5,490 over 36, $11,221 over 72 and $13,216 over 84. 48- and 72-month averages: 7.47% and 7.17% - [Compound interest calculator](https://www.pointsfrog.com/compound-interest-calculator): how much savings grow with compound interest, A = P(1 + r/n)^(nt), with monthly or yearly additions, daily to yearly compounding and an optional yearly increase. $10,000 plus $500 a month at 7% compounded monthly grows to $691,150 in 30 years ($190,000 contributed, $501,150 interest); $10,000 alone at 7% compounded yearly is $19,672 after 10 years and $76,123 after 30. 5% is a 5.12% APY compounded monthly and 5.13% daily. Rule of 72: money doubles in about 72 ÷ the rate years (9 at 8%, exactly 9.01). FDIC national averages (published September 21, 2026): savings 0.37%, money market 0.63%, 12-month CD 1.73%; the S&P 500 returned about 10.7% a year since 1957 with dividends reinvested - [Emergency fund calculator](https://www.pointsfrog.com/emergency-fund-calculator): how big should my emergency fund be? The usual guidance is 3 to 6 months of essential expenses (FINRA, Fidelity, Vanguard). The calculator starts at 3 months and adds months for risk (+1 for one income, +1 for a less secure job, +2 for self-employment or irregular income, +1 for dependents, +1 for owning a home), up to 8 months. One income with $4,000 a month of essentials: a 4-month target of $16,000; $6,000 saved covers 1.5 months, and $500 a month gets there in 1 year, 8 months. Keep it in an insured savings or money market deposit account (FDIC/NCUA, $250,000 per depositor, per institution, per ownership category). In 2025, 63% of US adults would cover a $400 emergency expense with cash or its equivalent and 55% had emergency savings for three months of expenses (Federal Reserve SHED, published May 2026) - [Net worth calculator](https://www.pointsfrog.com/net-worth-calculator): how does my net worth compare for my age? Net worth = assets (cash, retirement accounts, other investments, home, vehicles, other) minus debts (mortgage, car loans, student loans, credit cards, other), compared with the Federal Reserve's 2025 Survey of Consumer Finances (released October 9, 2026), household figures in 2025 dollars by age of the head of household: under 35 $33,000 median / $135,400 mean, 35–44 $155,600 median / $681,900 mean, 45–54 $253,700 median / $1,244,500 mean, 55–64 $411,900 median / $1,878,000 mean, 65–74 $431,300 median / $1,897,500 mean, 75 and over $504,900 median / $1,962,200 mean; all households $215,900 median / $1,241,500 mean. The Fed publishes medians and means by age, not percentiles, so the calculator compares with those - [Savings goal calculator](https://www.pointsfrog.com/savings-goal-calculator): how much to save each month to reach a goal by a date, the interest a savings account adds (compounded monthly at the APY, deposits at the end of each month) and when a set monthly amount reaches the goal. At the FDIC's 0.37% national average savings rate (September 21, 2026), $5,000/$10,000/$25,000 from $0 takes $416/$832/$2,080 over 12 months, $208/$416/$1,038 over 24 months and $139/$277/$691 over 36 months. $10,000 in 36 months: $277 a month and $54 of interest at 0.37%, or $262 and $595 at 4.25%, what the best online savings accounts with no minimum balance or conditions paid (4.25% to 4.34% APY, October 8, 2026, Motley Fool Money) - [Social Security claiming age calculator](https://www.pointsfrog.com/social-security-claiming-age-calculator): when should I claim Social Security? Your monthly retirement benefit at any claiming age from 62 to 70, lifetime totals by age and the break-even age, in today's dollars, from SSA's rules (checked October 18, 2026). Claiming early cuts the full retirement age benefit by 5/9 of 1% a month for the first 36 months and 5/12 of 1% a month after; waiting adds delayed retirement credits of 2/3 of 1% a month (8% a year) up to 70. Full retirement age is 66 for people born 1943-1954, rising two months a year to 67 for anyone born in 1960 or later. Born 1960 or later: 70% of the full benefit at 62, 100% at 67, 124% at 70, so a $2,000 full benefit pays $1,400, $2,000 or $2,480 a month. Break-even ages: 62 vs 67 at 78 and 8 months, 62 vs 70 at 80 and 5 months, 67 vs 70 at 82 and 6 months; by 85 the $2,000 benefit has paid $386,400 claimed at 62, $432,000 at 67 and $446,400 at 70. Spousal and survivor benefits are not modeled - [Salary to hourly calculator](https://www.pointsfrog.com/salary-to-hourly-calculator): convert a yearly salary to an hourly wage or back, with daily, weekly, biweekly (26 paychecks), semimonthly (24), monthly and yearly pay before taxes, unpaid days off and overtime. A full-time year is 40 hours x 52 weeks = 2,080 hours, the work year BLS uses (the federal government uses 2,087). Salaries per hour: $40,000 = $19.23/hour, $50,000 = $24.04/hour, $60,000 = $28.85/hour, $75,000 = $36.06/hour, $100,000 = $48.08/hour, $150,000 = $72.12/hour. Wages per year at 40 hours: $15/hour = $31,200, $20/hour = $41,600, $25/hour = $52,000, $30/hour = $62,400, $50/hour = $104,000. The federal minimum wage, $7.25 since July 24, 2009, is $15,080 a year; 30 states and DC set higher minimums (DOL, updated July 1, 2026; District of Columbia $18.40, Washington $17.13). FLSA overtime is at least 1.5x the regular rate past 40 hours a week: $20 an hour for 45 hours is $950 a week, $49,400 a year; salaried workers under $684 a week are generally owed overtime. Average hourly earnings, private nonfarm payrolls: $37.81 (BLS, September 2026) - [401(k) match calculator](https://www.pointsfrog.com/401k-match-calculator): am I getting my full 401(k) match? The employer match from a single-rate or tiered formula (with an optional dollar cap), the match left on the table, the contribution that gets all of it and what the match grows to, paycheck by paycheck within the IRS limits. On $60,000: 50% of the first 6% of pay pays $1,200 at 4% and $1,800 at 6%; 100% of the first 3% of pay, plus 50% of the next 2% (the basic safe harbor match) pays $1,800 at 3% and $2,400 at 5%. Vanguard plans in 2025 (How America Saves 2026): average promised match 4.7% of pay, median 4%; contribution needed for the full match 6.4% average, 6% median; most common formula 50% of the first 6% (12% of plans). 2026 IRS limits (Notice 2025-67): $24,500 from pay ($23,500 in 2025), catch-up $8,000 from 50 or $11,250 at 60-63, $72,000 with employer money, match figured on pay up to $360,000; catch-up must be Roth for 2025 FICA wages over $150,000. Matches vest over at most a 3-year cliff or 6-year graded schedule. Missing $1,000 of match a year costs about $57,100 over 30 years at 4% after inflation - [Mortgage refinance calculator](https://www.pointsfrog.com/mortgage-refinance-calculator): should I refinance? New payment, monthly savings, break-even month (closing costs ÷ monthly savings) and lifetime savings (interest saved less closing costs). $300,000 at 8.4% with 27 years left, refinanced into a 30-year loan at the 7.4% average (Freddie Mac, October 15, 2026): $2,345 to $2,077 a month, $268 saved; $9,000 of closing costs paid at closing break even in month 34, and its 3 extra years of payments mean the new loan saves $2,893 over its life. Rolled into the loan: month 43, costs $10,540 more. A 15-year at 6.71%: $2,648 a month, saves $274,009. Closing costs typically run 3% to 6% of the loan (Freddie Mac); the median refinance in 2023 had $7,329 in total loan costs (CFPB HMDA analysis). The 1% rule is a rough guide: Agarwal, Driscoll and Laibson (2013) put the optimal rate drop at about 1 to 2 points, 1.07 on a $1 million loan, 1.39 on $250,000 and 1.93 on $100,000 - [Compare countries](https://www.pointsfrog.com/compare-countries): any two of the 193 UN member states, or a continent (UN M49 regions, the Americas split at South America), side by side on GDP and GDP per person at market exchange rates and at purchasing power parity (PPP), price level against the US, PPP conversion factor, GNI per person (Atlas method and PPP) and median income or consumption, from the World Bank's World Development Indicators (updated October 8, 2026) and Poverty and Inequality Platform; each pair has its own page, such as https://www.pointsfrog.com/compare-countries/germany-vs-united-states. 2025: highest GDP per person at PPP Singapore $163,354, Luxembourg $156,542, Ireland $155,089; United States $90,027, Germany $75,407, India $11,748. Largest economy at PPP China $41.3 trillion, at market rates United States $30.8 trillion. Prices are 23% of US prices in India, so $100 there buys what $435 buys in the US. Continents add up their countries with 2025 figures, per person weighted by population (total GDP ÷ total population), such as https://www.pointsfrog.com/compare-countries/germany-vs-europe; GDP per person at PPP: North America $64,226, Europe $59,585, Oceania $51,057, South America $24,256, Asia $21,392, Africa $7,605 - [Is he out there?](https://www.pointsfrog.com/is-he-out-there): how many US men or women fit a dating list by age (18-80), personal income, race or ethnicity, relationship status, height, build (not obese: BMI under 30; six pack: DXA body fat at most 15% for men, 22% for women) and owning a $1,000,000+ home, from the Census Bureau's 2024 ACS microdata and CDC NHANES exams. 0.24% of US men aged 18-80 (about 310,000, 1 in 410) are 25 to 35, not married, earn $100,000+ and are 6 feet or taller ## Embedding the calculators Every calculator above can go on another website for free, with no sign-up, ads or analytics, and sizes itself to fit: [how to embed a calculator](https://www.pointsfrog.com/calculators/embed); every embed, with live examples, is listed at https://www.pointsfrog.com/embeds (free for bloggers, travel agents and publishers; all we ask is a credit link). The embed of the calculator at https://www.pointsfrog.com/ is https://www.pointsfrog.com/embed/; add ?theme=dark for a dark site. The code for the mortgage calculator, to adapt for any other: ```html

Mortgage calculator by Points Frog

``` The calculators also open inside AI chats: https://www.pointsfrog.com/mcp is a no-sign-in MCP server (Streamable HTTP) whose show_calculator and compare_countries tools show a calculator in the conversation as an MCP app; the user's figures stay in the calculator. Its server card is at https://www.pointsfrog.com/mcp/server-card. ## Income percentiles by state - [Alabama](https://www.pointsfrog.com/income-percentile/alabama): median $36,500, top 10% from $107,000, top 1% from about $425,000; full-time median $52,800 - [Alaska](https://www.pointsfrog.com/income-percentile/alaska): median $47,600, top 10% from $130,000, top 1% from about $427,000; full-time median $66,000 - [Arizona](https://www.pointsfrog.com/income-percentile/arizona): median $42,600, top 10% from $122,000, top 1% from about $454,000; full-time median $60,900 - [Arkansas](https://www.pointsfrog.com/income-percentile/arkansas): median $35,500, top 10% from $97,500, top 1% from about $393,000; full-time median $50,800 - [California](https://www.pointsfrog.com/income-percentile/california): median $45,700, top 10% from $155,000, top 1% from about $488,000; full-time median $69,000 - [Colorado](https://www.pointsfrog.com/income-percentile/colorado): median $50,800, top 10% from $152,000, top 1% from about $447,000; full-time median $71,100 - [Connecticut](https://www.pointsfrog.com/income-percentile/connecticut): median $50,800, top 10% from $152,000, top 1% from about $525,000; full-time median $73,100 - [Delaware](https://www.pointsfrog.com/income-percentile/delaware): median $44,700, top 10% from $122,000, top 1% from about $354,000; full-time median $60,900 - [District of Columbia](https://www.pointsfrog.com/income-percentile/district-of-columbia): median $72,100, top 10% from $203,000, top 1% from about $662,000; full-time median $102,000 - [Florida](https://www.pointsfrog.com/income-percentile/florida): median $40,000, top 10% from $122,000, top 1% from about $490,000; full-time median $53,800 - [Georgia](https://www.pointsfrog.com/income-percentile/georgia): median $40,600, top 10% from $124,000, top 1% from about $387,000; full-time median $58,900 - [Hawaii](https://www.pointsfrog.com/income-percentile/hawaii): median $45,800, top 10% from $124,000, top 1% from about $480,000; full-time median $60,900 - [Idaho](https://www.pointsfrog.com/income-percentile/idaho): median $40,600, top 10% from $114,000, top 1% from about $462,000; full-time median $59,300 - [Illinois](https://www.pointsfrog.com/income-percentile/illinois): median $45,700, top 10% from $132,000, top 1% from about $416,000; full-time median $66,000 - [Indiana](https://www.pointsfrog.com/income-percentile/indiana): median $40,600, top 10% from $106,000, top 1% from about $360,000; full-time median $56,900 - [Iowa](https://www.pointsfrog.com/income-percentile/iowa): median $42,100, top 10% from $102,000, top 1% from about $330,000; full-time median $57,900 - [Kansas](https://www.pointsfrog.com/income-percentile/kansas): median $41,400, top 10% from $113,000, top 1% from about $423,000; full-time median $56,900 - [Kentucky](https://www.pointsfrog.com/income-percentile/kentucky): median $36,500, top 10% from $102,000, top 1% from about $338,000; full-time median $53,800 - [Louisiana](https://www.pointsfrog.com/income-percentile/louisiana): median $35,200, top 10% from $107,000, top 1% from about $351,000; full-time median $52,800 - [Maine](https://www.pointsfrog.com/income-percentile/maine): median $40,600, top 10% from $112,000, top 1% from about $353,000; full-time median $59,900 - [Maryland](https://www.pointsfrog.com/income-percentile/maryland): median $52,200, top 10% from $157,000, top 1% from about $407,000; full-time median $75,100 - [Massachusetts](https://www.pointsfrog.com/income-percentile/massachusetts): median $50,800, top 10% from $160,000, top 1% from about $478,000; full-time median $79,200 - [Michigan](https://www.pointsfrog.com/income-percentile/michigan): median $40,600, top 10% from $112,000, top 1% from about $415,000; full-time median $60,900 - [Minnesota](https://www.pointsfrog.com/income-percentile/minnesota): median $48,700, top 10% from $127,000, top 1% from about $380,000; full-time median $66,000 - [Mississippi](https://www.pointsfrog.com/income-percentile/mississippi): median $33,000, top 10% from $98,500, top 1% from about $311,000; full-time median $50,800 - [Missouri](https://www.pointsfrog.com/income-percentile/missouri): median $40,600, top 10% from $109,000, top 1% from about $431,000; full-time median $55,800 - [Montana](https://www.pointsfrog.com/income-percentile/montana): median $40,600, top 10% from $111,000, top 1% from about $424,000; full-time median $54,800 - [Nebraska](https://www.pointsfrog.com/income-percentile/nebraska): median $42,600, top 10% from $110,000, top 1% from about $424,000; full-time median $56,900 - [Nevada](https://www.pointsfrog.com/income-percentile/nevada): median $40,600, top 10% from $118,000, top 1% from about $494,000; full-time median $54,800 - [New Hampshire](https://www.pointsfrog.com/income-percentile/new-hampshire): median $50,800, top 10% from $139,000, top 1% from about $363,000; full-time median $70,100 - [New Jersey](https://www.pointsfrog.com/income-percentile/new-jersey): median $50,800, top 10% from $157,000, top 1% from about $466,000; full-time median $74,100 - [New Mexico](https://www.pointsfrog.com/income-percentile/new-mexico): median $35,500, top 10% from $112,000, top 1% from about $403,000; full-time median $52,800 - [New York](https://www.pointsfrog.com/income-percentile/new-york): median $45,700, top 10% from $146,000, top 1% from about $550,000; full-time median $70,100 - [North Carolina](https://www.pointsfrog.com/income-percentile/north-carolina): median $40,600, top 10% from $122,000, top 1% from about $412,000; full-time median $56,900 - [North Dakota](https://www.pointsfrog.com/income-percentile/north-dakota): median $46,700, top 10% from $117,000, top 1% from about $480,000; full-time median $60,900 - [Ohio](https://www.pointsfrog.com/income-percentile/ohio): median $40,600, top 10% from $112,000, top 1% from about $368,000; full-time median $60,900 - [Oklahoma](https://www.pointsfrog.com/income-percentile/oklahoma): median $36,500, top 10% from $102,000, top 1% from about $408,000; full-time median $50,800 - [Oregon](https://www.pointsfrog.com/income-percentile/oregon): median $42,600, top 10% from $126,000, top 1% from about $335,000; full-time median $66,000 - [Pennsylvania](https://www.pointsfrog.com/income-percentile/pennsylvania): median $41,600, top 10% from $122,000, top 1% from about $401,000; full-time median $60,900 - [Rhode Island](https://www.pointsfrog.com/income-percentile/rhode-island): median $44,200, top 10% from $127,000, top 1% from about $358,000; full-time median $66,000 - [South Carolina](https://www.pointsfrog.com/income-percentile/south-carolina): median $39,600, top 10% from $112,000, top 1% from about $363,000; full-time median $54,800 - [South Dakota](https://www.pointsfrog.com/income-percentile/south-dakota): median $43,000, top 10% from $105,000, top 1% from about $443,000; full-time median $55,800 - [Tennessee](https://www.pointsfrog.com/income-percentile/tennessee): median $40,600, top 10% from $112,000, top 1% from about $430,000; full-time median $54,800 - [Texas](https://www.pointsfrog.com/income-percentile/texas): median $40,600, top 10% from $129,000, top 1% from about $442,000; full-time median $57,900 - [Utah](https://www.pointsfrog.com/income-percentile/utah): median $43,900, top 10% from $127,000, top 1% from about $443,000; full-time median $62,700 - [Vermont](https://www.pointsfrog.com/income-percentile/vermont): median $45,700, top 10% from $122,000, top 1% from about $521,000; full-time median $64,000 - [Virginia](https://www.pointsfrog.com/income-percentile/virginia): median $48,300, top 10% from $152,000, top 1% from about $443,000; full-time median $67,000 - [Washington](https://www.pointsfrog.com/income-percentile/washington): median $50,800, top 10% from $160,000, top 1% from about $457,000; full-time median $76,100 - [West Virginia](https://www.pointsfrog.com/income-percentile/west-virginia): median $34,500, top 10% from $99,500, top 1% from about $339,000; full-time median $50,800 - [Wisconsin](https://www.pointsfrog.com/income-percentile/wisconsin): median $44,200, top 10% from $108,000, top 1% from about $330,000; full-time median $60,900 - [Wyoming](https://www.pointsfrog.com/income-percentile/wyoming): median $41,600, top 10% from $113,000, top 1% from about $477,000; full-time median $56,900 ## Program calculators Each program has two: what a balance is worth in 25 currencies (/points-value/) and whether an award is a good deal, with the cents-per-point lines and a table of the most points an award should cost (/points-value//award). Both embed for free at /embed/points-value/ and /embed/points-value//award. - [Membership Rewards](https://www.pointsfrog.com/points-value/amex-membership-rewards): 2.1 US cents per points unit (value set 2026-10-13) - [Is your Membership Rewards award a good deal?](https://www.pointsfrog.com/points-value/amex-membership-rewards/award): great at 2.52¢ or more each, poor under 1.89¢ - [Ultimate Rewards](https://www.pointsfrog.com/points-value/chase-ultimate-rewards): 2 US cents per points unit (value set 2026-10-13) - [Is your Ultimate Rewards award a good deal?](https://www.pointsfrog.com/points-value/chase-ultimate-rewards/award): great at 2.4¢ or more each, poor under 1.8¢ - [Bilt Rewards](https://www.pointsfrog.com/points-value/bilt-rewards): 2.1 US cents per points unit (value set 2026-10-13) - [Is your Bilt Rewards award a good deal?](https://www.pointsfrog.com/points-value/bilt-rewards/award): great at 2.52¢ or more each, poor under 1.89¢ - [Capital One Miles](https://www.pointsfrog.com/points-value/capital-one-miles): 1.8 US cents per miles unit (value set 2026-10-13) - [Is your Capital One Miles award a good deal?](https://www.pointsfrog.com/points-value/capital-one-miles/award): great at 2.16¢ or more each, poor under 1.62¢ - [ThankYou Rewards](https://www.pointsfrog.com/points-value/citi-thankyou): 1.75 US cents per points unit (value set 2026-10-13) - [Is your ThankYou Rewards award a good deal?](https://www.pointsfrog.com/points-value/citi-thankyou/award): great at 2.1¢ or more each, poor under 1.58¢ - [Wells Fargo Rewards](https://www.pointsfrog.com/points-value/wells-fargo-rewards): 1.6 US cents per points unit (value set 2026-10-13) - [Is your Wells Fargo Rewards award a good deal?](https://www.pointsfrog.com/points-value/wells-fargo-rewards/award): great at 1.92¢ or more each, poor under 1.44¢ - [AAdvantage](https://www.pointsfrog.com/points-value/aadvantage): 1.45 US cents per miles unit (value set 2026-10-13) - [Is your AAdvantage award a good deal?](https://www.pointsfrog.com/points-value/aadvantage/award): great at 1.74¢ or more each, poor under 1.31¢ - [SkyMiles](https://www.pointsfrog.com/points-value/skymiles): 1.2 US cents per miles unit (value set 2026-10-13) - [Is your SkyMiles award a good deal?](https://www.pointsfrog.com/points-value/skymiles/award): great at 1.44¢ or more each, poor under 1.08¢ - [MileagePlus](https://www.pointsfrog.com/points-value/mileageplus): 1.25 US cents per miles unit (value set 2026-10-13) - [Is your MileagePlus award a good deal?](https://www.pointsfrog.com/points-value/mileageplus/award): great at 1.5¢ or more each, poor under 1.13¢ - [Rapid Rewards](https://www.pointsfrog.com/points-value/rapid-rewards): 1.25 US cents per points unit (value set 2026-10-13) - [Is your Rapid Rewards award a good deal?](https://www.pointsfrog.com/points-value/rapid-rewards/award): great at 1.5¢ or more each, poor under 1.13¢ - [Atmos Rewards](https://www.pointsfrog.com/points-value/mileage-plan): 1.55 US cents per miles unit (value set 2026-10-13) - [Is your Atmos Rewards award a good deal?](https://www.pointsfrog.com/points-value/mileage-plan/award): great at 1.86¢ or more each, poor under 1.4¢ - [TrueBlue](https://www.pointsfrog.com/points-value/trueblue): 1.3 US cents per points unit (value set 2026-10-13) - [Is your TrueBlue award a good deal?](https://www.pointsfrog.com/points-value/trueblue/award): great at 1.56¢ or more each, poor under 1.17¢ - [Aeroplan](https://www.pointsfrog.com/points-value/aeroplan): 1.45 US cents per points unit (value set 2026-10-13) - [Is your Aeroplan award a good deal?](https://www.pointsfrog.com/points-value/aeroplan/award): great at 1.74¢ or more each, poor under 1.31¢ - [WestJet Rewards](https://www.pointsfrog.com/points-value/westjet-rewards): 0.73 US cents per points unit (value set 2026-10-13) - [Is your WestJet Rewards award a good deal?](https://www.pointsfrog.com/points-value/westjet-rewards/award): great at 0.88¢ or more each, poor under 0.66¢ - [Frontier Miles](https://www.pointsfrog.com/points-value/frontier-miles): 1.1 US cents per miles unit (value set 2026-10-13) - [Is your Frontier Miles award a good deal?](https://www.pointsfrog.com/points-value/frontier-miles/award): great at 1.32¢ or more each, poor under 0.99¢ - [Free Spirit](https://www.pointsfrog.com/points-value/free-spirit): 0.9 US cents per points unit (value set 2026-10-13) - [Is your Free Spirit award a good deal?](https://www.pointsfrog.com/points-value/free-spirit/award): great at 1.08¢ or more each, poor under 0.81¢ - [Allways Rewards](https://www.pointsfrog.com/points-value/allways): 1 US cents per points unit (value set 2026-10-13) - [Is your Allways Rewards award a good deal?](https://www.pointsfrog.com/points-value/allways/award): great at 1.2¢ or more each, poor under 0.9¢ - [Breezy Rewards](https://www.pointsfrog.com/points-value/breezy-rewards): 1 US cents per points unit (value set 2026-10-13) - [Is your Breezy Rewards award a good deal?](https://www.pointsfrog.com/points-value/breezy-rewards/award): great at 1.2¢ or more each, poor under 0.9¢ - [Sun Country Rewards](https://www.pointsfrog.com/points-value/sun-country-rewards): 1 US cents per points unit (value set 2026-10-13) - [Is your Sun Country Rewards award a good deal?](https://www.pointsfrog.com/points-value/sun-country-rewards/award): great at 1.2¢ or more each, poor under 0.9¢ - [VIPorter](https://www.pointsfrog.com/points-value/viporter): 1.1 US cents per points unit (value set 2026-10-13) - [Is your VIPorter award a good deal?](https://www.pointsfrog.com/points-value/viporter/award): great at 1.32¢ or more each, poor under 0.99¢ - [Aeromexico Rewards](https://www.pointsfrog.com/points-value/aeromexico-rewards): 0.8 US cents per points unit (value set 2026-10-13) - [Is your Aeromexico Rewards award a good deal?](https://www.pointsfrog.com/points-value/aeromexico-rewards/award): great at 0.96¢ or more each, poor under 0.72¢ - [LATAM Pass](https://www.pointsfrog.com/points-value/latam-pass): 1.2 US cents per miles unit (value set 2026-10-13) - [Is your LATAM Pass award a good deal?](https://www.pointsfrog.com/points-value/latam-pass/award): great at 1.44¢ or more each, poor under 1.08¢ - [LifeMiles](https://www.pointsfrog.com/points-value/lifemiles): 1.4 US cents per miles unit (value set 2026-10-13) - [Is your LifeMiles award a good deal?](https://www.pointsfrog.com/points-value/lifemiles/award): great at 1.68¢ or more each, poor under 1.26¢ - [ConnectMiles](https://www.pointsfrog.com/points-value/connectmiles): 1.3 US cents per miles unit (value set 2026-10-13) - [Is your ConnectMiles award a good deal?](https://www.pointsfrog.com/points-value/connectmiles/award): great at 1.56¢ or more each, poor under 1.17¢ - [Azul Fidelidade](https://www.pointsfrog.com/points-value/azul-fidelidade): 0.7 US cents per points unit (value set 2026-10-13) - [Is your Azul Fidelidade award a good deal?](https://www.pointsfrog.com/points-value/azul-fidelidade/award): great at 0.84¢ or more each, poor under 0.63¢ - [Smiles](https://www.pointsfrog.com/points-value/smiles): 0.8 US cents per miles unit (value set 2026-10-13) - [Is your Smiles award a good deal?](https://www.pointsfrog.com/points-value/smiles/award): great at 0.96¢ or more each, poor under 0.72¢ - [Aerolíneas Plus](https://www.pointsfrog.com/points-value/aerolineas-plus): 0.6 US cents per miles unit (value set 2026-10-13) - [Is your Aerolíneas Plus award a good deal?](https://www.pointsfrog.com/points-value/aerolineas-plus/award): great at 0.72¢ or more each, poor under 0.54¢ - [v.pass points](https://www.pointsfrog.com/points-value/volaris-vclub): 0.6 US cents per points unit (value set 2026-10-13) - [Is your v.pass points award a good deal?](https://www.pointsfrog.com/points-value/volaris-vclub/award): great at 0.72¢ or more each, poor under 0.54¢ - [SKY Plus](https://www.pointsfrog.com/points-value/sky-plus): 0.7 US cents per points unit (value set 2026-10-13) - [Is your SKY Plus award a good deal?](https://www.pointsfrog.com/points-value/sky-plus/award): great at 0.84¢ or more each, poor under 0.63¢ - [The British Airways Club](https://www.pointsfrog.com/points-value/british-airways-club): 1.3 US cents per Avios unit (value set 2026-10-13) - [Is your The British Airways Club award a good deal?](https://www.pointsfrog.com/points-value/british-airways-club/award): great at 1.56¢ or more each, poor under 1.17¢ - [Flying Club](https://www.pointsfrog.com/points-value/flying-club): 1.4 US cents per points unit (value set 2026-10-13) - [Is your Flying Club award a good deal?](https://www.pointsfrog.com/points-value/flying-club/award): great at 1.68¢ or more each, poor under 1.26¢ - [Miles & More](https://www.pointsfrog.com/points-value/miles-and-more): 1.3 US cents per miles unit (value set 2026-10-13) - [Is your Miles & More award a good deal?](https://www.pointsfrog.com/points-value/miles-and-more/award): great at 1.56¢ or more each, poor under 1.17¢ - [Flying Blue](https://www.pointsfrog.com/points-value/flying-blue): 1.3 US cents per miles unit (value set 2026-10-13) - [Is your Flying Blue award a good deal?](https://www.pointsfrog.com/points-value/flying-blue/award): great at 1.56¢ or more each, poor under 1.17¢ - [Iberia Plus](https://www.pointsfrog.com/points-value/iberia-plus): 1.3 US cents per Avios unit (value set 2026-10-13) - [Is your Iberia Plus award a good deal?](https://www.pointsfrog.com/points-value/iberia-plus/award): great at 1.56¢ or more each, poor under 1.17¢ - [EuroBonus](https://www.pointsfrog.com/points-value/eurobonus): 1.1 US cents per points unit (value set 2026-10-13) - [Is your EuroBonus award a good deal?](https://www.pointsfrog.com/points-value/eurobonus/award): great at 1.32¢ or more each, poor under 0.99¢ - [Finnair Plus](https://www.pointsfrog.com/points-value/finnair-plus): 1.3 US cents per Avios unit (value set 2026-10-13) - [Is your Finnair Plus award a good deal?](https://www.pointsfrog.com/points-value/finnair-plus/award): great at 1.56¢ or more each, poor under 1.17¢ - [AerClub](https://www.pointsfrog.com/points-value/aerclub): 1.3 US cents per Avios unit (value set 2026-10-13) - [Is your AerClub award a good deal?](https://www.pointsfrog.com/points-value/aerclub/award): great at 1.56¢ or more each, poor under 1.17¢ - [Miles&Go](https://www.pointsfrog.com/points-value/miles-and-go): 0.8 US cents per miles unit (value set 2026-10-13) - [Is your Miles&Go award a good deal?](https://www.pointsfrog.com/points-value/miles-and-go/award): great at 0.96¢ or more each, poor under 0.72¢ - [Miles&Smiles](https://www.pointsfrog.com/points-value/miles-and-smiles): 1.2 US cents per miles unit (value set 2026-10-13) - [Is your Miles&Smiles award a good deal?](https://www.pointsfrog.com/points-value/miles-and-smiles/award): great at 1.44¢ or more each, poor under 1.08¢ - [Miles+Bonus](https://www.pointsfrog.com/points-value/miles-and-bonus): 1.2 US cents per miles unit (value set 2026-10-13) - [Is your Miles+Bonus award a good deal?](https://www.pointsfrog.com/points-value/miles-and-bonus/award): great at 1.44¢ or more each, poor under 1.08¢ - [Volare](https://www.pointsfrog.com/points-value/volare): 1 US cents per points unit (value set 2026-10-13) - [Is your Volare award a good deal?](https://www.pointsfrog.com/points-value/volare/award): great at 1.2¢ or more each, poor under 0.9¢ - [Saga Club](https://www.pointsfrog.com/points-value/saga-club): 1 US cents per points unit (value set 2026-10-13) - [Is your Saga Club award a good deal?](https://www.pointsfrog.com/points-value/saga-club/award): great at 1.2¢ or more each, poor under 0.9¢ - [Aeroflot Bonus](https://www.pointsfrog.com/points-value/aeroflot-bonus): 0.7 US cents per miles unit (value set 2026-10-13) - [Is your Aeroflot Bonus award a good deal?](https://www.pointsfrog.com/points-value/aeroflot-bonus/award): great at 0.84¢ or more each, poor under 0.63¢ - [Norwegian Reward](https://www.pointsfrog.com/points-value/norwegian-reward): 10 US cents per CashPoints unit (value set 2026-10-13) - [Is your Norwegian Reward award a good deal?](https://www.pointsfrog.com/points-value/norwegian-reward/award): great at 12¢ or more each, poor under 9¢ - [Vueling Club](https://www.pointsfrog.com/points-value/vueling-club): 1.3 US cents per Avios unit (value set 2026-10-13) - [Is your Vueling Club award a good deal?](https://www.pointsfrog.com/points-value/vueling-club/award): great at 1.56¢ or more each, poor under 1.17¢ - [airBaltic Club](https://www.pointsfrog.com/points-value/airbaltic-club): 0.9 US cents per PINS unit (value set 2026-10-13) - [Is your airBaltic Club award a good deal?](https://www.pointsfrog.com/points-value/airbaltic-club/award): great at 1.08¢ or more each, poor under 0.81¢ - [BolBol](https://www.pointsfrog.com/points-value/bolbol): 0.5 US cents per BolPoints unit (value set 2026-10-13) - [Is your BolBol award a good deal?](https://www.pointsfrog.com/points-value/bolbol/award): great at 0.6¢ or more each, poor under 0.45¢ - [SUMA](https://www.pointsfrog.com/points-value/suma): 1 US cents per miles unit (value set 2026-10-13) - [Is your SUMA award a good deal?](https://www.pointsfrog.com/points-value/suma/award): great at 1.2¢ or more each, poor under 0.9¢ - [Matmid](https://www.pointsfrog.com/points-value/matmid): 1.2 US cents per points unit (value set 2026-10-13) - [Is your Matmid award a good deal?](https://www.pointsfrog.com/points-value/matmid/award): great at 1.44¢ or more each, poor under 1.08¢ - [WIZZ Points](https://www.pointsfrog.com/points-value/wizz-multipass): 0.4 US cents per points unit (value set 2026-10-13) - [Is your WIZZ Points award a good deal?](https://www.pointsfrog.com/points-value/wizz-multipass/award): great at 0.48¢ or more each, poor under 0.36¢ - [Condor Miles](https://www.pointsfrog.com/points-value/condor-miles): 0.9 US cents per miles unit (value set 2026-10-13) - [Is your Condor Miles award a good deal?](https://www.pointsfrog.com/points-value/condor-miles/award): great at 1.08¢ or more each, poor under 0.81¢ - [Skywards](https://www.pointsfrog.com/points-value/skywards): 1.2 US cents per miles unit (value set 2026-10-13) - [Is your Skywards award a good deal?](https://www.pointsfrog.com/points-value/skywards/award): great at 1.44¢ or more each, poor under 1.08¢ - [Privilege Club](https://www.pointsfrog.com/points-value/privilege-club): 1.3 US cents per Avios unit (value set 2026-10-13) - [Is your Privilege Club award a good deal?](https://www.pointsfrog.com/points-value/privilege-club/award): great at 1.56¢ or more each, poor under 1.17¢ - [Etihad Guest](https://www.pointsfrog.com/points-value/etihad-guest): 1.2 US cents per miles unit (value set 2026-10-13) - [Is your Etihad Guest award a good deal?](https://www.pointsfrog.com/points-value/etihad-guest/award): great at 1.44¢ or more each, poor under 1.08¢ - [Alfursan](https://www.pointsfrog.com/points-value/alfursan): 1 US cents per miles unit (value set 2026-10-13) - [Is your Alfursan award a good deal?](https://www.pointsfrog.com/points-value/alfursan/award): great at 1.2¢ or more each, poor under 0.9¢ - [Royal Club](https://www.pointsfrog.com/points-value/royal-club): 1 US cents per miles unit (value set 2026-10-13) - [Is your Royal Club award a good deal?](https://www.pointsfrog.com/points-value/royal-club/award): great at 1.2¢ or more each, poor under 0.9¢ - [Sindbad](https://www.pointsfrog.com/points-value/sindbad): 1 US cents per miles unit (value set 2026-10-13) - [Is your Sindbad award a good deal?](https://www.pointsfrog.com/points-value/sindbad/award): great at 1.2¢ or more each, poor under 0.9¢ - [OPEN](https://www.pointsfrog.com/points-value/flydubai-open): 0.9 US cents per points unit (value set 2026-10-13) - [Is your OPEN award a good deal?](https://www.pointsfrog.com/points-value/flydubai-open/award): great at 1.08¢ or more each, poor under 0.81¢ - [Falconflyer](https://www.pointsfrog.com/points-value/falconflyer): 1 US cents per miles unit (value set 2026-10-13) - [Is your Falconflyer award a good deal?](https://www.pointsfrog.com/points-value/falconflyer/award): great at 1.2¢ or more each, poor under 0.9¢ - [Oasis Club](https://www.pointsfrog.com/points-value/oasis-club): 0.8 US cents per miles unit (value set 2026-10-13) - [Is your Oasis Club award a good deal?](https://www.pointsfrog.com/points-value/oasis-club/award): great at 0.96¢ or more each, poor under 0.72¢ - [Airewards](https://www.pointsfrog.com/points-value/airewards): 1 US cents per points unit (value set 2026-10-13) - [Is your Airewards award a good deal?](https://www.pointsfrog.com/points-value/airewards/award): great at 1.2¢ or more each, poor under 0.9¢ - [nasmiles](https://www.pointsfrog.com/points-value/nasmiles): 0.5 US cents per points unit (value set 2026-10-13) - [Is your nasmiles award a good deal?](https://www.pointsfrog.com/points-value/nasmiles/award): great at 0.6¢ or more each, poor under 0.45¢ - [Cedar Miles](https://www.pointsfrog.com/points-value/cedar-miles): 0.9 US cents per miles unit (value set 2026-10-13) - [Is your Cedar Miles award a good deal?](https://www.pointsfrog.com/points-value/cedar-miles/award): great at 1.08¢ or more each, poor under 0.81¢ - [KrisFlyer](https://www.pointsfrog.com/points-value/krisflyer): 1.3 US cents per miles unit (value set 2026-10-13) - [Is your KrisFlyer award a good deal?](https://www.pointsfrog.com/points-value/krisflyer/award): great at 1.56¢ or more each, poor under 1.17¢ - [Cathay (Asia Miles)](https://www.pointsfrog.com/points-value/asia-miles): 1.2 US cents per miles unit (value set 2026-10-13) - [Is your Cathay (Asia Miles) award a good deal?](https://www.pointsfrog.com/points-value/asia-miles/award): great at 1.44¢ or more each, poor under 1.08¢ - [ANA Mileage Club](https://www.pointsfrog.com/points-value/ana-mileage-club): 1.4 US cents per miles unit (value set 2026-10-13) - [Is your ANA Mileage Club award a good deal?](https://www.pointsfrog.com/points-value/ana-mileage-club/award): great at 1.68¢ or more each, poor under 1.26¢ - [JAL Mileage Bank](https://www.pointsfrog.com/points-value/jal-mileage-bank): 1.3 US cents per miles unit (value set 2026-10-13) - [Is your JAL Mileage Bank award a good deal?](https://www.pointsfrog.com/points-value/jal-mileage-bank/award): great at 1.56¢ or more each, poor under 1.17¢ - [SKYPASS](https://www.pointsfrog.com/points-value/skypass): 1.45 US cents per miles unit (value set 2026-10-13) - [Is your SKYPASS award a good deal?](https://www.pointsfrog.com/points-value/skypass/award): great at 1.74¢ or more each, poor under 1.31¢ - [Asiana Club](https://www.pointsfrog.com/points-value/asiana-club): 1.5 US cents per miles unit (value set 2026-10-13) - [Is your Asiana Club award a good deal?](https://www.pointsfrog.com/points-value/asiana-club/award): great at 1.8¢ or more each, poor under 1.35¢ - [Infinity MileageLands](https://www.pointsfrog.com/points-value/infinity-mileagelands): 1.4 US cents per miles unit (value set 2026-10-13) - [Is your Infinity MileageLands award a good deal?](https://www.pointsfrog.com/points-value/infinity-mileagelands/award): great at 1.68¢ or more each, poor under 1.26¢ - [Dynasty Flyer](https://www.pointsfrog.com/points-value/dynasty-flyer): 1.1 US cents per miles unit (value set 2026-10-13) - [Is your Dynasty Flyer award a good deal?](https://www.pointsfrog.com/points-value/dynasty-flyer/award): great at 1.32¢ or more each, poor under 0.99¢ - [Royal Orchid Plus](https://www.pointsfrog.com/points-value/royal-orchid-plus): 1 US cents per miles unit (value set 2026-10-13) - [Is your Royal Orchid Plus award a good deal?](https://www.pointsfrog.com/points-value/royal-orchid-plus/award): great at 1.2¢ or more each, poor under 0.9¢ - [Enrich](https://www.pointsfrog.com/points-value/enrich): 0.7 US cents per points unit (value set 2026-10-13) - [Is your Enrich award a good deal?](https://www.pointsfrog.com/points-value/enrich/award): great at 0.84¢ or more each, poor under 0.63¢ - [GarudaMiles](https://www.pointsfrog.com/points-value/garudamiles): 0.8 US cents per miles unit (value set 2026-10-13) - [Is your GarudaMiles award a good deal?](https://www.pointsfrog.com/points-value/garudamiles/award): great at 0.96¢ or more each, poor under 0.72¢ - [Maharaja Club](https://www.pointsfrog.com/points-value/maharaja-club): 0.6 US cents per points unit (value set 2026-10-13) - [Is your Maharaja Club award a good deal?](https://www.pointsfrog.com/points-value/maharaja-club/award): great at 0.72¢ or more each, poor under 0.54¢ - [Lotusmiles](https://www.pointsfrog.com/points-value/lotusmiles): 0.5 US cents per miles unit (value set 2026-10-13) - [Is your Lotusmiles award a good deal?](https://www.pointsfrog.com/points-value/lotusmiles/award): great at 0.6¢ or more each, poor under 0.45¢ - [Mabuhay Miles](https://www.pointsfrog.com/points-value/mabuhay-miles): 1 US cents per miles unit (value set 2026-10-13) - [Is your Mabuhay Miles award a good deal?](https://www.pointsfrog.com/points-value/mabuhay-miles/award): great at 1.2¢ or more each, poor under 0.9¢ - [PhoenixMiles](https://www.pointsfrog.com/points-value/phoenixmiles): 1 US cents per miles unit (value set 2026-10-13) - [Is your PhoenixMiles award a good deal?](https://www.pointsfrog.com/points-value/phoenixmiles/award): great at 1.2¢ or more each, poor under 0.9¢ - [Eastern Miles](https://www.pointsfrog.com/points-value/eastern-miles): 0.9 US cents per points unit (value set 2026-10-13) - [Is your Eastern Miles award a good deal?](https://www.pointsfrog.com/points-value/eastern-miles/award): great at 1.08¢ or more each, poor under 0.81¢ - [Sky Pearl Club](https://www.pointsfrog.com/points-value/sky-pearl-club): 0.9 US cents per miles unit (value set 2026-10-13) - [Is your Sky Pearl Club award a good deal?](https://www.pointsfrog.com/points-value/sky-pearl-club/award): great at 1.08¢ or more each, poor under 0.81¢ - [Fortune Wings Club](https://www.pointsfrog.com/points-value/fortune-wings-club): 0.5 US cents per points unit (value set 2026-10-13) - [Is your Fortune Wings Club award a good deal?](https://www.pointsfrog.com/points-value/fortune-wings-club/award): great at 0.6¢ or more each, poor under 0.45¢ - [IndiGo BluChip](https://www.pointsfrog.com/points-value/indigo-bluchip): 0.8 US cents per BluChips unit (value set 2026-10-13) - [Is your IndiGo BluChip award a good deal?](https://www.pointsfrog.com/points-value/indigo-bluchip/award): great at 0.96¢ or more each, poor under 0.72¢ - [airasia rewards](https://www.pointsfrog.com/points-value/airasia-rewards): 0.3 US cents per points unit (value set 2026-10-13) - [Is your airasia rewards award a good deal?](https://www.pointsfrog.com/points-value/airasia-rewards/award): great at 0.36¢ or more each, poor under 0.27¢ - [SkyJoy](https://www.pointsfrog.com/points-value/skyjoy): 0.3 US cents per points unit (value set 2026-10-13) - [Is your SkyJoy award a good deal?](https://www.pointsfrog.com/points-value/skyjoy/award): great at 0.36¢ or more each, poor under 0.27¢ - [Go Rewards](https://www.pointsfrog.com/points-value/go-rewards): 0.7 US cents per points unit (value set 2026-10-13) - [Is your Go Rewards award a good deal?](https://www.pointsfrog.com/points-value/go-rewards/award): great at 0.84¢ or more each, poor under 0.63¢ - [Egret Miles](https://www.pointsfrog.com/points-value/egret-miles): 0.9 US cents per miles unit (value set 2026-10-13) - [Is your Egret Miles award a good deal?](https://www.pointsfrog.com/points-value/egret-miles/award): great at 1.08¢ or more each, poor under 0.81¢ - [Refresh Point](https://www.pointsfrog.com/points-value/refresh-point): 0.8 US cents per points unit (value set 2026-10-13) - [Is your Refresh Point award a good deal?](https://www.pointsfrog.com/points-value/refresh-point/award): great at 0.96¢ or more each, poor under 0.72¢ - [FlyerBonus](https://www.pointsfrog.com/points-value/flyerbonus): 1 US cents per points unit (value set 2026-10-13) - [Is your FlyerBonus award a good deal?](https://www.pointsfrog.com/points-value/flyerbonus/award): great at 1.2¢ or more each, poor under 0.9¢ - [FlySmiLes](https://www.pointsfrog.com/points-value/flysmiles): 0.9 US cents per miles unit (value set 2026-10-13) - [Is your FlySmiLes award a good deal?](https://www.pointsfrog.com/points-value/flysmiles/award): great at 1.08¢ or more each, poor under 0.81¢ - [Awards+](https://www.pointsfrog.com/points-value/awards-plus): 0.6 US cents per miles unit (value set 2026-10-13) - [Is your Awards+ award a good deal?](https://www.pointsfrog.com/points-value/awards-plus/award): great at 0.72¢ or more each, poor under 0.54¢ - [Nomad Club](https://www.pointsfrog.com/points-value/nomad-club): 1 US cents per points unit (value set 2026-10-13) - [Is your Nomad Club award a good deal?](https://www.pointsfrog.com/points-value/nomad-club/award): great at 1.2¢ or more each, poor under 0.9¢ - [COSMILE](https://www.pointsfrog.com/points-value/cosmile): 1.2 US cents per miles unit (value set 2026-10-13) - [Is your COSMILE award a good deal?](https://www.pointsfrog.com/points-value/cosmile/award): great at 1.44¢ or more each, poor under 1.08¢ - [reward-U](https://www.pointsfrog.com/points-value/reward-u): 0.8 US cents per points unit (value set 2026-10-13) - [Is your reward-U award a good deal?](https://www.pointsfrog.com/points-value/reward-u/award): great at 0.96¢ or more each, poor under 0.72¢ - [Royal Skies](https://www.pointsfrog.com/points-value/royal-skies): 1 US cents per miles unit (value set 2026-10-13) - [Is your Royal Skies award a good deal?](https://www.pointsfrog.com/points-value/royal-skies/award): great at 1.2¢ or more each, poor under 0.9¢ - [SpiceClub](https://www.pointsfrog.com/points-value/spiceclub): 0.57 US cents per SC Points unit (value set 2026-10-13) - [Is your SpiceClub award a good deal?](https://www.pointsfrog.com/points-value/spiceclub/award): great at 0.68¢ or more each, poor under 0.51¢ - [LinkMiles](https://www.pointsfrog.com/points-value/linkmiles): 0.6 US cents per miles unit (value set 2026-10-13) - [Is your LinkMiles award a good deal?](https://www.pointsfrog.com/points-value/linkmiles/award): great at 0.72¢ or more each, poor under 0.54¢ - [Juneyao Air Club](https://www.pointsfrog.com/points-value/juneyao-club): 0.8 US cents per points unit (value set 2026-10-13) - [Is your Juneyao Air Club award a good deal?](https://www.pointsfrog.com/points-value/juneyao-club/award): great at 0.96¢ or more each, poor under 0.72¢ - [Qantas Frequent Flyer](https://www.pointsfrog.com/points-value/qantas-frequent-flyer): 1.2 US cents per points unit (value set 2026-10-13) - [Is your Qantas Frequent Flyer award a good deal?](https://www.pointsfrog.com/points-value/qantas-frequent-flyer/award): great at 1.44¢ or more each, poor under 1.08¢ - [Velocity Frequent Flyer](https://www.pointsfrog.com/points-value/velocity): 1.15 US cents per points unit (value set 2026-10-13) - [Is your Velocity Frequent Flyer award a good deal?](https://www.pointsfrog.com/points-value/velocity/award): great at 1.38¢ or more each, poor under 1.04¢ - [Airpoints](https://www.pointsfrog.com/points-value/airpoints): 60 US cents per Airpoints Dollars unit (value set 2026-10-13) - [Is your Airpoints award a good deal?](https://www.pointsfrog.com/points-value/airpoints/award): great at 72¢ or more each, poor under 54¢ - [Tabua Club](https://www.pointsfrog.com/points-value/tabua-club): 1 US cents per points unit (value set 2026-10-13) - [Is your Tabua Club award a good deal?](https://www.pointsfrog.com/points-value/tabua-club/award): great at 1.2¢ or more each, poor under 0.9¢ - [ShebaMiles](https://www.pointsfrog.com/points-value/shebamiles): 1 US cents per miles unit (value set 2026-10-13) - [Is your ShebaMiles award a good deal?](https://www.pointsfrog.com/points-value/shebamiles/award): great at 1.2¢ or more each, poor under 0.9¢ - [Asante Rewards](https://www.pointsfrog.com/points-value/asante-rewards): 1 US cents per points unit (value set 2026-10-13) - [Is your Asante Rewards award a good deal?](https://www.pointsfrog.com/points-value/asante-rewards/award): great at 1.2¢ or more each, poor under 0.9¢ - [Voyager](https://www.pointsfrog.com/points-value/voyager): 1 US cents per miles unit (value set 2026-10-13) - [Is your Voyager award a good deal?](https://www.pointsfrog.com/points-value/voyager/award): great at 1.2¢ or more each, poor under 0.9¢ - [EgyptAir Plus](https://www.pointsfrog.com/points-value/egyptair-plus): 0.9 US cents per miles unit (value set 2026-10-13) - [Is your EgyptAir Plus award a good deal?](https://www.pointsfrog.com/points-value/egyptair-plus/award): great at 1.08¢ or more each, poor under 0.81¢ - [Safar Flyer](https://www.pointsfrog.com/points-value/safar-flyer): 1 US cents per miles unit (value set 2026-10-13) - [Is your Safar Flyer award a good deal?](https://www.pointsfrog.com/points-value/safar-flyer/award): great at 1.2¢ or more each, poor under 0.9¢ - [Umbi Umbi Club](https://www.pointsfrog.com/points-value/umbi-umbi): 0.8 US cents per miles unit (value set 2026-10-13) - [Is your Umbi Umbi Club award a good deal?](https://www.pointsfrog.com/points-value/umbi-umbi/award): great at 0.96¢ or more each, poor under 0.72¢ - [Caribbean Miles](https://www.pointsfrog.com/points-value/caribbean-miles): 1 US cents per miles unit (value set 2026-10-13) - [Is your Caribbean Miles award a good deal?](https://www.pointsfrog.com/points-value/caribbean-miles/award): great at 1.2¢ or more each, poor under 0.9¢ - [Dream Miles](https://www.pointsfrog.com/points-value/dream-miles): 1 US cents per miles unit (value set 2026-10-13) - [Is your Dream Miles award a good deal?](https://www.pointsfrog.com/points-value/dream-miles/award): great at 1.2¢ or more each, poor under 0.9¢ - [Kestrelflyer](https://www.pointsfrog.com/points-value/kestrelflyer): 1 US cents per miles unit (value set 2026-10-13) - [Is your Kestrelflyer award a good deal?](https://www.pointsfrog.com/points-value/kestrelflyer/award): great at 1.2¢ or more each, poor under 0.9¢