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.

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Compare current welcome offers

This month

5 SUBs above 100k points as of May 2026.

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What your card actually earns

Native units · 1¢/pt floor

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

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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.

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Cash out, portal, or transfer?

Compare redemption options

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

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Why you can trust this index.

Anyone can post a price. We publish a standardized, sourced, dated one. Affiliate commissions never change our editorial inclusion, rankings, or verdicts.

#1 principle

Standardized

Same basket, every destination.

#2 principle

Sourced

One source per figure, with a date.

#3 principle

Public methodology

Documented in public for anyone to check.

#4 principle

Independent verdicts

A commission never changes our editorial inclusion, rankings, or verdicts.