Credit Card Redemption Value Calculator

Redemption Value (CPM) Calculator

Calculate the "Cents Per Mile" value to see if a redemption is a good deal.

Subtract fees you pay from the cash value.

Redemption Analysis

Value Per Point (CPP)

0.0
Cents Per Point

Verdict

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How This Tool Works

This calculator determines the Cents Per Mile (CPM) value of a redemption. It tells you if you are getting a "good deal" for your points.

  • Formula: (Cash Price - Taxes) / Points Required * 100 = CPM.
  • Logic: We subtract the taxes you must pay from the cash price to find the "Net Value" you are getting, then divide by points to find the value per point.
  • Assumptions: We assume "100" as the multiplier to convert dollars to cents.

How to Use (Steps)

  1. Find Cash Price: Look up how much the flight/hotel costs in cash (e.g., $1,200).
  2. Find Points Price: Look up the award price (e.g., 60,000 miles).
  3. Add Taxes: Enter any taxes/fees you must pay for the award (e.g., $5.60).
  4. Calculate: See your CPM. If it's higher than 1.5, you're doing well!

Example Calculation

Flight: New York to London (Business Class).

• Cash Price: $3,500.
• Points Price: 60,000 Miles + $50 Taxes.
• Math: ($3,500 - $50) / 60,000 * 100 = 5.75 CPM.
• Verdict: Incredible value! (Normal value is ~1.2 CPM).

Why This Tool Is Accurate

Simply dividing cash by points is wrong because it ignores taxes. Some international awards have high fuel surcharges (e.g., $800). This tool accounts for that to give you the real value.

Limitations & Disclaimer

CPM is subjective. If you would never pay $3,500 cash for a flight, then getting 5.0 CPM is "theoretical" value, not "money saved" value. Disclaimer: Don't redeem points just for a high CPM; redeem them for travel you actually want.

Frequently Asked Questions

What is a good CPM value?

Generally, anything above 1.5 cents is good. Anything above 2.0 cents is excellent. If you are getting less than 1.0 cent, you are better off using a cash back card.

Why do taxes matter?

Some airlines charge huge surcharges. If a flight costs $1,000 but the award ticket requires 40k miles + $600 in fees, your real benefit is only $400. That drops your value to 1.0 CPM, which is poor.

Does CPM apply to hotels?

Yes. Hotel points (Hilton, Marriott, Hyatt) are generally worth less than airline miles (0.5 - 0.8 cents), except for Hyatt, which is often worth 1.5+ cents. Adjust your expectations accordingly.