What are factors and miles value? TPG’s August 2025 valuations

One of many questions individuals usually ask us is, “How a lot is some extent or mile value?”

The true reply varies from level to level and individual to individual. It additionally relies on your journey targets and the way a lot you maximize a specific loyalty foreign money. Nonetheless, some rewards are value greater than others, and our aim is to present you a way of how they stack up.

Traditionally, TPG has valued factors and miles primarily based on a mix of things: the value at which we’d buy the factors or miles, award prices in this system (factoring in availability and charges), and our experience in this system’s interior workings. Nevertheless, we now use intensive information for the highest seven U.S. airline loyalty applications to higher estimate the worth it’s best to intention to get out of your rewards. Learn our explainer submit on our data-driven valuations for a full methodology breakdown.

What are bank card factors and miles value?

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What are airline factors and miles value?

*Calculated utilizing TPG’s data-backed valuations methodology launched in September 2023.

What are resort factors value?

High factors and miles information

July noticed a collection of main bulletins from Citi. This is an summary of what it’s best to know.

Citi debuted its new premium rewards card

Citi unveiled the all-new Citi Strata Elite Card (see charges and charges). With a $595 annual charge, the cardboard is about to tackle the favored Capital One Enterprise X Rewards Credit score Card and Chase Sapphire Reserve® (see charges and charges).

New Strata Elite cardholders can earn 80,000 bonus ThankYou Rewards factors after spending $4,000 inside the first three months from account opening; in‑department candidates might entry the next 100,000-point supply underneath sure situations.

Past the beneficiant welcome supply, key advantages of this new premium card embrace:

Bonus factors: Earn 12 factors per greenback spent on motels, automobile leases and points of interest booked by Citi Journey; 6 factors per greenback spent on airfare by way of Citi Journey; 6 factors per greenback spent at eating places throughout “Citi Nights” (Friday and Saturday evenings from 6 p.m. to six a.m. Japanese time); 3 factors per greenback spent at eating places at different occasions; and 1.5 factors per greenback spent on all different purchases.

Assertion credit: Obtain as much as $300 per calendar 12 months towards a two-night (or longer) resort reserving by Citi Journey; as much as $200 in annual “Splurge Credit score” for eligible companions similar to American Airways, Finest Purchase and Stay Nation; as much as $200 per 12 months in Blacklane credit score ($100 semiannually); and as much as $120 each 4 years for International Entry or TSA PreCheck software charges.

Lounge entry: Take pleasure in 4 Admirals Membership lounge passes per calendar 12 months and a Precedence Cross Choose membership.

Associated: Are you eligible for the Citi Strata Elite’s 80,000-point welcome bonus?

Rewards+ rebrands as Citi Strata Card

Citi robotically transitioned all present Citi Rewards+ cardholders to the Citi Strata Card (see charges and charges). The brand new card has a $0 annual charge, and new cardholders can earn 30,000 bonus factors after spending $1,000 within the first three months from account opening.

The cardboard earn 5 factors per greenback spent on motels, automobile leases and points of interest booked by Citi Journey; 3 factors per greenback spent at supermarkets, gasoline and EV charging stations and on choose transit; 3 factors per greenback spent in a single selectable class (similar to streaming providers, health or pet provides); 2 factors per greenback spent at eating places; and 1 level per greenback spent on all different purchases. That is a powerful supply for a card with no annual charge.

The data for the Citi Rewards+ has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

Citi added AAdvantage as a switch associate

Coinciding with the Strata Elite launch, Citi added American Airways AAdvantage as a 1:1 switch associate for the next ThankYou points-earning playing cards:

This game-changing addition makes Citi the one main card issuer providing direct transfers to AAdvantage. This addition induced us to bump our valuation of Citi ThankYou Rewards factors to 1.9 cents per level in our August 2025 valuations.

The data for the Citi Status Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

Associated: Citi factors now switch to American Airways: How lengthy does it take?

High provides for incomes factors and miles in August

Listed below are a number of the different finest choices this month should you’re in search of a brand new journey rewards card that earns transferable factors or miles.

Chase Sapphire Reserve

The Chase Sapphire Reserve at present provides a best-ever, limited-time welcome supply of 100,000 bonus factors plus a $500 Chase Journey℠ promo credit score after you spend $5,000 on purchases within the first three months from account opening.

The not too long ago refreshed card has up to date incomes charges, together with 8 factors per greenback spent on purchases by Chase Journey℠ (together with The Edit), 4 factors per greenback spent on flights booked straight and 4 factors per greenback spent on motels booked straight. The brand new annual charge is $795, however cardholders will stand up to $500 in assertion credit for resort bookings made with The Edit every calendar 12 months ($250 in credit biannually on pay as you go bookings with The Edit of two or extra nights), as much as $300 in assertion credit every calendar 12 months for eating at eating places which can be a part of Sapphire Reserve Unique Tables ($150 in credit biannually) and extra.

Take a look at our Chase Sapphire Reserve card evaluation to study extra.

Official software hyperlink: Chase Sapphire Reserve

Chase Sapphire Reserve for Enterprise

Chase not too long ago unveiled a brand-new enterprise card, the Chase Sapphire Reserve for Enterprise℠ (see charges and charges). This card provides a large welcome supply of 200,000 bonus factors after you spend $30,000 on purchases in your first six months from account opening.

This product earns 8 factors per greenback spent on purchases by Chase Journey (together with The Edit), 4 factors per greenback spent on flights and motels booked straight, and three factors per greenback spent on social media and search engine promoting. It comes with a number of versatile assertion credit however has a $795 annual charge. See our Sapphire Reserve for Enterprise card evaluation for extra data.

Official software hyperlink: Chase Sapphire Reserve for Enterprise

Capital One Enterprise X Rewards Credit score Card

The Capital One Enterprise X Rewards Credit score Card is a compelling possibility resulting from its nice incomes charges and included perks. The cardboard at present has a welcome supply of 75,000 bonus miles after you spend $4,000 on purchases inside the first three months from account opening.

You may earn a minimum of 2 miles per greenback spent on purchases and get entry to numerous helpful advantages, together with a $300 annual credit score for bookings by Capital One Journey, 10,000 bonus miles every account anniversary and complimentary entry to Capital One airport lounges.

Take a look at our Capital One Enterprise X Rewards card evaluation for extra particulars.

Be taught extra: Capital One Enterprise X Rewards Credit score Card

Capital One Enterprise Rewards Credit score Card

The Capital One Enterprise Rewards Credit score Card provides 75,000 bonus miles after you spend $4,000 on purchases inside the first three months from account opening. The annual charge for the Capital One Enterprise card is $95 — an inexpensive quantity for a card with such a beneficiant welcome supply.

See our Capital One Enterprise Rewards card evaluation for extra particulars.

Be taught extra: Capital One Enterprise Rewards Credit score Card

The Platinum Card from American Specific

With the The Platinum Card® from American Specific, you will discover out your supply and see in case you are eligible for as excessive as 175,000 Membership Rewards factors after spending $8,000 on purchases within the first six months of card membership. Welcome provides fluctuate, and also you will not be eligible for a proposal.

Our valuations peg these factors at as much as $3,500 primarily based on the worth you may get when leveraging the Membership Rewards switch companions. The Amex Platinum is filled with advantages, so learn our Amex Platinum evaluation for all the main points. The Amex Platinum has a $695 annual charge (see charges and charges).

Official software hyperlink: The Platinum Card from American Specific

American Specific Gold Card

Some of the well-liked playing cards with TPG staffers, the American Specific® Gold Card lets new cardholders discover out their supply and see if they’re eligible for as excessive as 100,000 Membership Rewards factors after they spend $6,000 on purchases inside the first six months of card membership. Welcome provides fluctuate, and also you will not be eligible for a proposal.

The Amex Gold is nice for a lot of on a regular basis purchases. You may earn 4 factors per greenback spent on groceries at U.S. supermarkets (on as much as $25,000 in purchases per calendar 12 months, then 1 level per greenback spent) and 4 factors per greenback spent at eating places worldwide (on as much as $50,000 in purchases per calendar 12 months, then 1 level per greenback spent). The cardboard has a $325 annual charge (see charges and charges), so try our Amex Gold evaluation to see whether or not it is smart.

Official software hyperlink: American Specific Gold Card

Ink Enterprise Most popular Credit score Card

The Ink Enterprise Most popular® Credit score Card (see charges and charges) has a welcome supply of 90,000 bonus factors after you spend $8,000 on purchases within the first three months after card opening.

The Ink Enterprise Most popular provides 3 factors per greenback spent on the primary $150,000 in mixed journey and transport and promoting (i.e., with social media websites and search engines like google and yahoo) purchases, and on web, cable and telephone providers every account anniversary 12 months. For extra particulars, try our Ink Enterprise Most popular Credit score Card evaluation.

Official software hyperlink: Ink Enterprise Most popular Credit score Card

For charges and charges of the Amex Platinum, click on right here.
For charges and charges of the Amex Gold, click on right here.