The planning desk

Cash or points?

Compare a realistic cash fare with an award, including fees and the value you give up.

U.S. programs · USD examplesSources & verificationVerified 2026-09-13
Taxes, surcharges, booking fees and other additional award costs.
Cash value of rewards or benefits you lose by choosing the award.
Your scenario

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Enter your assumptions, then calculate.

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The method

The math is not a black box.

Adjusted CPP = (cash alternative − award cash costs − forgone rewards) ÷ points × 100.

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Before you act

Compare like with like

Use matching dates, cancellation terms, baggage and occupancy. An expensive trip you would never buy is not a useful cash alternative.

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