"Point valuation" refers to the process of assigning a numerical value or score to determine the importance, worth, or quality of something. It helps in quantifying or measuring the value or significance of different aspects or factors in a specific context.
Full definition
Ultimately, the fixed points vs. transferable points debate boils down to your personal preference
for point valuations and your travel flexibility.
Rewards points valuation is a simple and essential question with a somewhat complicated answer that depends on a number of factors that we will sort through together.
When the travel expense in question could be booked through an award but only at a
low point valuation, it may be better to pay out of pocket.
I believe that the key to successful Buy - and - Hold investing is developing a firm understanding of what the historical stock - return data say about what sorts of long - term returns stocks are likely to provide for purchases made from a variety of starting -
point valuation levels.
With the ability to earn 1x - 2x points and a
high point valuation, using the card is bound to give you some benefits no matter your travel goals.
As you can see, the
HHonors point valuation for both rooms is identical to many decimal places, at 0.278 cents each.
Reading your credit card user agreement is a helpful way to break down
points valuations because it will tell you how many points you need to earn in order to redeem them for each prize.
You'll earn an extra 5,000 bonus points, which are worth $ 105 based on my most recent
point valuations in February 2018, when you add an authorized user and complete a purchase after first getting the Sapphire Preferred.
Due to the nature of the pricing in this offer the cost per
point valuation doesn't follow the same tiers:
Using the 1.25 cent per
point valuation through the Chase Ultimate Rewards travel portal, this bonus is the equivalent of $ 687.50 to spend on travel.
But because the 72 cent per
point valuation only happens on the base fare portion of the ticket cost, you'll see differing amounts of ACTUAL value.
For the Amex cards, the 2 cents per
point valuation comes in the form of a 50 % rebate, so you'll need double the number of required points in your account in order to make redemptions with half the points returned afterwards.
There's a calculator at my site («The Stock - Return Predictor») that employs a regression analysis of the historical data to reveal the likely long - term return of a broad index starting from the various starting -
point valuations levels:
With the ability to earn 1 - 2x points and a
high point valuation, using the card is bound to give you some benefits no matter your travel goals.
When the Hilton booking engine determines the number of HHonors points required to book a premium room award night, it applies a mechanical calculation, multiplying the revenue cost of the room by a constant
HHonors point valuation to arrive at a total cost in HHonors points.
This is a great offer as Starpoints are arguably the most valuable transferable currency (See our Reasonable Redemption Values
for point valuations and more on our methodologies).
Maybe, but when I can get 3x ThankYou points for travel, 2x for dining and entertainment, 9 transfer partners including Singapore Airlines, and a guaranteed 1.6 cents
per point valuation on any American or US Airways airfare, I'd say it pretty much evens out.
These point valuations put the rewards rate of this card at anywhere between 1 % and 5 % - skewing closer to 1 %, most of the time.
The welcome bonus of this card is worth $ 200 (if you qualify for both $ 100 statement credits) compared to the $ 390 welcome bonus offered by the Gold Delta SkyMiles ® Business Credit Card when using
these point valuations.
It is as much nonsense as the idea that starting -
point valuations have no effect on the long - term safety of a retirement portfolio.
Given our $ 0.012 -
point valuation, we estimate this bonus to be worth $ 600.
The Red Bar for Scenario One (a low starting -
point valuation) ends at $ 1,190,150.
You will spend atleast $ 10,000 so that is an additional 10,000 Rapid Rewards points, which is equivalent to $ 160 worth of travel (1.6 cent per
point valuation).
I've actually found that despite a lot of
the point valuations, I get the most value out of redeeming the Sapphire Reserve points at their 1.5 c valuation rate through the Chase portal.
But because of
the point valuation of the two, the Marriott card comes out ahead with a cash value of $ 675, while the Hilton Honors card's bonuses are worth the equivalent of $ 600.
What are
the point valuations?
The 50,000 points sign - up bonus is worth $ 790 based on
a point valuation of 1.58 cents.
I don't even know if the 1.75 cents per
point valuation is applicable to these cards, or if it is only for the former Wells Fargo Visa Signature card.