Calculators.

Five honest calculators. Each reports native units (points, miles, dollars) with a conservative 1¢/pt cash-back floor. No inflated valuations. No "TPG worth" magic.

Calculators.

Honest answers. Native units, conservative floors, no inflated valuations.

Find your break-even spend

Sample output

Sapphire Reserve breaks even at $4,200/yr at typical category mix.

Try it →

Compare current welcome offers

This month

5 SUBs above 100k points as of May 2026.

Try it →

What your card actually earns

Native units · 1¢/pt floor

Amex Gold earns ~$1,150/yr at typical spend.

Try it →

What does Tokyo for 7 nights cost?

Hotel basket + your daily-spend

Tokyo · 7 nights · hotel ~$1,505 + your daily-spend $80×7 = $560 → ~$2,065 total.

Try it →

Cash out, portal, or transfer?

Compare redemption options

50k Chase points: cash back $500 · portal $750 · Hyatt transfer ~$1,000+.

Try it →

Why you can trust this index.

Anyone can post a price. We publish a standardized, sourced, dated one, and we take no commission on your hotel bookings.

#1 principle

Standardized

Same basket, every destination.

#2 principle

Sourced

One source per figure, with a date.

#3 principle

Public methodology

Documented, and checked on a schedule.

#4 principle

No booking commission

We don't earn from your hotel booking.