Point valuations
Our valuations are editorial estimates based on representative redemptions, transfer options, availability and the friction involved in using a program. They are not cash values and will vary by traveler.
Card analysis
We start with the annual fee, subtract only broadly usable credits, then assess earning rates, transfer partners, protections and access benefits. We distinguish advertised value from realistic personal value.
Updates and corrections
Terms change. We date material updates and correct factual errors when discovered. Readers should verify live offers and program rules before transferring points or applying for credit.
Editorial independence
Commercial relationships do not determine coverage, conclusions or rankings. When compensation is possible, we disclose it near the relevant content.