Your Wallet
$2,805 of points, valued honestly
137,345 points & miles across 4 programs — valued at typical-redemption rates, not the banks’ marketing math.
✓ Values verified July 13, 2026Total true value
$2,805
if you transfer well
Cash-out floor
$1,374
what banks would pay you
Programs
4
2 bank · 1 airline · 1 hotel
Monthly spend
$3,300
powers your ¢/$1 strategy
Credit card points $1,453
| Program | Balance | Typical value | Worth |
|---|---|---|---|
| AXAmerican Express Membership Rewards | 12,345 pts | 2.00¢/pt | $247 |
| CHChase Ultimate Rewards | 60,000 pts | 2.01¢/pt | $1,206 |
Airline miles $804
| UAUnited MileagePlus | 40,000 miles | 2.01¢/mi | $804 |
Hotel points $548
| HYWorld of Hyatt | 25,000 pts | 2.19¢/pt | $548 |
Monthly budget by category $3,300 / mo
$3,300entered across 8 of 9 categories · your spend profile personalizes every ¢/$1 number on the Strategy page — and tells the AI what “worth it” means for you.
Everything elsenon-category spend
$
Venture X2x × 2.04¢ = 4.08¢/$1
Groceries
Amex Gold4x × 2.00¢ = 8.00¢/$1
Dining
Amex Gold4x × 2.00¢ = 8.00¢/$1
Online shopping
Venture X2x × 2.04¢ = 4.08¢/$1
Flightsbooked direct
Sapphire Reserve4x × 2.01¢ = 8.04¢/$1
Hotels
CSR via portal8x × 2.01¢ = 16.08¢/$1
Gas & EV
Venture X4.08¢/$1 · gap: Strata Premier 6.93¢
Transit & rideshare
Venture X4.08¢/$1 · gap: Autograph 7.17¢
Streamingnot answered yet
Answer to sharpen your strategy
Pick a range — or tap Custom… and type the exact number. Either works; exact numbers make the annual “left on the table” math sharper.