Where it takes you

Paris for two. Rome for six. Tokyo in first class.

Points pay for the cabin. Judgment chooses the hotel, the room, and the table. We bring both. These are examples, not a list. Tell us where you want to go.

Flights

Business and first class, on the routes people fly most. For the busiest dates, we start a year ahead.

An Air France business class seat made up as a bed, navy pillow, window light
Paris

Business class to Paris, for two

240,000points. Two seats to Paris and back.

The same two tickets, in cash
$9,000 or more
Each point is worth
about 3.75¢
Same points as a statement credit
$1,440
Pictured: Air France business class, Airbus A350-900
A white stucco terrace in Belgravia, London, with window boxes in flower, daylight
London

Virgin Atlantic Upper Class, for two

160,000points. Two seats, Miami to London and back.

The same two tickets, in cash
about $12,000
Each point is worth, after taxes and fees
about 5.5¢
Same points as a statement credit
$960
Pictured: Belgravia, London
A United Polaris business class cabin, suites with doors and wood panelling, daylight at the windows
Italy

The whole family, in business class

816,000points. Six seats to Rome and back.

Three generations, one itinerary.

The same six tickets, in cash
about $33,000
Each point is worth
about 4¢
Same points as a statement credit
about $4,900
Pictured: United Polaris business class, Boeing 787-9
The Dubai skyline and the Burj Khalifa seen across desert dunes in golden light
Dubai

Emirates business class

192,000miles. New York to Dubai and back, on the upper deck of the A380.

The same ticket, in cash
about $6,500
Each point is worth, after taxes and fees
about 2.5¢
Same points as a statement credit
about $1,150
Pictured: Dubai, the skyline from the desert
A Singapore Airlines first class seat in brown quilted leather beside a window, daylight
Tokyo

Singapore Airlines first class to Tokyo

448,000miles. Los Angeles to Tokyo and back.

The same ticket, in cash
$24,000
Each point is worth
about 5.4¢
Same points as a statement credit
about $2,700
Pictured: Singapore Airlines first class, Boeing 777-300ER
A sheltered cove on Cap Ferrat with pines, a villa above the water and a small beach
The French Riviera

United Polaris business class to Nice

160,000points. Nice and back, nonstop from Newark or Washington in summer.

The same ticket, in cash
$5,000 or more
Each point is worth
about 3¢
Same points as a statement credit
$960
Pictured: Paloma Beach, Saint-Jean-Cap-Ferrat

Stays

Points pay for some of the best rooms too. When a stay is better paid for in cash, we say so.

A terrace suite at Park Hyatt Cabo del Sol, patio doors open to two loungers, a cactus garden and the sea
Los Cabos

Park Hyatt Cabo del Sol

45,000points a night, in a terrace suite.

The same night, in cash
about $1,780
Each point is worth
about 4¢
Same points as a statement credit
$270
Pictured: Park Hyatt Cabo del Sol, terrace suite with a partial ocean view
The terraced pools of the Waldorf Astoria Costa Rica Punta Cacique above the bay, low sun
Costa Rica

Waldorf Astoria Costa Rica Punta Cacique

350,000points. Five nights in a Bahia View room, in February.

The same stay, in cash
$14,809
Each point is worth
about 4.2¢
Same points as a statement credit
$2,100
Pictured: Waldorf Astoria Costa Rica Punta Cacique
350,000 American Express points, transferred to Hilton.
A canopy bed in a tented suite at JW Marriott Masai Mara Lodge, open to the deck and the bush beyond
Masai Mara

JW Marriott Masai Mara Lodge

880,000Marriott points. Five nights, all-inclusive.

Every meal, two game drives a day, selected drinks, and the ride from the airstrip. The best use we know for Marriott points.

The same stay, in cash
$14,282
Each point is worth
about 1.6¢
Pictured: JW Marriott Masai Mara Lodge, Deluxe King suite, river view

Sample trips, at the points prices the airlines and hotels publish. They are examples, not quotes. The cash figures are what the same seat or room recently cost, and they move. "Each point is worth" is figured before taxes and fees, unless the card says otherwise. The family trip to Rome is priced for United cardholders. Marriott points are a different currency from card points and are worth less, so the Masai Mara figure does not compare with the others. Taxes and fees on tickets booked with points are yours, and we tell you what they are before you book.

We tell you when not to use points.

New York to Palm Beach is the usual example. The seat often costs a few hundred dollars, and your points are worth more across an ocean. Pay for it on the right card, earn on it, and save the balance for July.

Some days it goes the other way. Over the holidays, a domestic first class seat was selling for close to $1,500. We booked it for 25,000 points. We check every time, and tell you which way it falls.

Tell us what you hold.

A short form, or a phone call. No statements and no logins.