Know what your points are really worth.
Points & Prompts values every balance you hold at its verified typical-redemption rate, picks the right card for every dollar you spend, and answers questions grounded in your actual wallet — not the internet's averages.
Costco takes Visa only — your Amex Gold stays home.
Your best grocery earner (Amex Gold, 8.00¢/$1) isn't accepted, and Costco doesn't code as groceries anyway.
- Best Visa you hold: Chase Sapphire Reserve — 1x → 2.01¢/$1 at warehouse clubs.
- If the runs are frequent: the Citi Custom Cash (not in your wallet) would earn 5x → 11.55¢/$1 on your top category — capped at $500/mo.
Probably not — that move usually cuts your value roughly in half.
Your Chase Ultimate Rewards run about 2.01¢ each at typical redemption; Marriott Bonvoy points run about 0.93¢. And a transfer is one-way — once they land, they're Marriott points for good.
- Price the room in cash first: your 60,000 UR carry roughly $1,200 of typical value — the award has to beat that.
- Transfer only for a specific stay you've already priced, never to "top up" an account.
Amex Gold — the strongest dining earner you hold.
4x Membership Rewards × 2.00¢ typical = 8.00¢ back per $1 — about four times a flat 2% cash-back card.
- Runner-up in your wallet: Wells Fargo Autograph — 3x × 2.39¢ → 7.17¢/$1.
- Leave the Sapphire Reserve home tonight: 3x × 2.01¢ → 6.03¢/$1.
Close — your balance is worth about $1,200 of travel.
60,000 Chase Ultimate Rewards × 2.01¢ typical = about $1,206 of redemption value: enough for a well-priced round-trip fare, with little left over for the hotel.
- Put the points toward the flight, and pay the hotel with your best travel earner instead.
- Between now and March, every dining dollar on the Amex Gold adds 8.00¢ toward the gap.
That's 0.56¢ a point — just under Hilton's typical 0.61¢.
$450 ÷ 80,000 points = 0.56¢ each. Typical Hilton Honors redemptions run about 0.61¢, so this one is slightly below par — not a steal, not a rip-off.
- Fine if you'd otherwise pay cash you'd rather keep; skip it if you're stretching just to "use up" points.
- Rule of thumb: redeem above typical value, hold below it.
Three things the banks don't give you.
A wallet that tells the truth
Add balances by hand and see their honest dollar value instantly — typical-redemption rates if you transfer well, and the 1¢ cash-out floor the banks would rather you take.
$2,805 — not "137,345 points" →Ask P&P AI, grounded in your holdings
Not generic card advice. Every answer starts from the balances, cards, and spend you actually have — and shows the math and the sources it used.
See a grounded answer →Verified issuer data
Every multiplier comes from a published earn structure; every point value from verified typical redemptions, dated. When a program devalues, your numbers change the same day.
Browse 38 verified programs →One number that makes card advice honest: ¢ back per $1.
A multiplier means nothing until you know what the point is worth. We multiply the two — for every card we track, in every category you spend in.
Dining — top of the matrix best in green
| Card | Earns | ¢ back / $1 |
|---|---|---|
| AXAmerican Express Gold | 4x × 2.00¢ | 8.00¢ |
| WFWells Fargo Autograph | 3x × 2.39¢ | 7.17¢ |
| CICiti Strata Premier | 3x × 2.31¢ | 6.93¢ |
| CHChase Sapphire Reserve | 3x × 2.01¢ | 6.03¢ |
From the full 21-card × 7-category matrix — see the whole thing →
A "point" is not a point.
The word hides a 6× spread. One Aer Lingus Avio is worth six Hilton points — and a transfer sent to the wrong program can halve your balance's value in one tap.
Typical-redemption values, AwardWallet, verified July 13, 2026 · all 38 programs →
Advice that knows what you hold.
Generic AI knows what cards exist. Ask P&P AI knows you have 60,000 Chase UR, an Amex Gold, and a trip to plan — and it shows its work.
Yes — your Chase points cover the seat.
Your 60,000 Chase UR transfer 1:1 to Flying Blue, where March promo business has run 50,000 + $220 — a 5.4¢/pt redemption, 2.7× typical.
Five live answers are playing in the demo at the top of this page · ask your own question →
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Get started by building your wallet →Programs
Browse every card, airline, and hotel program we track — including which points move where. ✓ verified July 13, 2026
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