Reference cash-versus-points strategy

Use points when they create value—not because they are there.

This labeled STL-to-Miami example shows the comparison method. Prices, award space, balances, and benefits are not connected to your account.

Reference recommendation

Pay cash

$308

In this example, cash preserves points for a higher-value trip and earns approximately 1,190 redeemable miles.

  • 2.6¢ modeled value versus redemption
  • One protected-ticket assumption
  • $75 reference travel-credit assumption
Test your own cash costs
Reference Amex transfer

Use 19,000 points

19k + $11

Transfers are irreversible and current award space must be confirmed with the loyalty program first.

  • Approx. 1.56¢ modeled value per point
  • No checked bag in this example
  • No live award inventory connected
Review wallet boundaries
Reference wallet assumptions75,000 Amex points · United bag benefit · $75 airline creditOpen wallet reference