Which cards give the best redemption value?
79% FrequentMiler
15% Traveling for Miles
6% Other
Here’s a look at the cards that deliver the highest redemption value based on the data we have.
Top Cash‑Back and Points‑Per‑Dollar Rates
- Amex Gold earns 4× Membership Rewards points on groceries, which at a 1.55 cents per point reasonable redemption value works out to about 6.2 cents per dollar.
- Amex Blue Cash Preferred offers 6 % cash back on grocery spend, equating to 6.0 cents per dollar.
- Amex Hilton cards (Surpass and Aspire) provide 12× Hilton points through July 31, and with a 0.45 cents per point valuation that translates to 5.4 cents per dollar.
- Citi Premier’s permanent 3× grocery bonus, valued at 1.45 cents per point, yields 4.35 cents per dollar.
- Marriott Bonvoy cards (Chase or Amex) give 6× points on grocery spend, valued at 0.72 cents per point, for 4.32 cents per dollar.
Transferable Points Programs with Highest Per‑Point Value
- Citi points transferred to I Prefer (Preferred Hotels & Resorts) achieve a near‑4 cents per point value in the top 10 % of redemptions, making them the best‑valued transferable option.
- Chase Ultimate Rewards points also rank among the highest, though they fall short of the I Prefer ceiling, still delivering strong value above 1 cent per point.
- Capital One Venture earns 2 miles per dollar; with each mile worth about 1 cent, the effective rate is 2 cents per dollar.
Other Notable High‑Value Cards
- The Blue Business Plus Card from American Express provides 2× Membership Rewards points on all purchases (up to $50 K), which at a 1.55 cents per point valuation equals 3.1 cents per dollar.
- Hyatt‑focused cards can deliver 1.74 cents per point when redeeming Hyatt points, a relatively high value among hotel programs.
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