My Points Guide
Real-time value checker

Cash, points,
or transfer?

Real-time comparison of the cash fare, your card's portal points, and transferring to an airline partner — for the exact seat you want. We find the cheapest way to fly it and tell you when transferring wins.

See how it worksAlways free · No card required
From
SFO San Francisco
To
JFK New York
Depart
Jun 16 1 adult
Values checked across
UnitedDeltaAmericanJetBlueAlaska
Your flight · Cash vs. Points vs. Transfer

Am I getting good value?

The same seat, priced three ways — cash, your card's portal points, and transferring 1:1 to an airline partner. We call the cheapest play for every flight.

SFO → JFK
Tue, Jun 16Nonstop & 1 stop1 adult · Economy
Sort
Valuing your points at the 1.25¢ portal floor · transfers move 1:1 to airline partners · prices refreshed 2 min ago
Flight
Cash
Portal points
Transfer
Best value
Top value
2:20p 10:48p
Alaska · AS 125h 28mNonstop
Cash
$355
incl. tax
Portal
28,400 pts
≈ 1.25¢ each
Transfer
22,000 pts
+ $5.60 tax
Transfer & save
Save 6,400 pts · 1.59¢/pt
6:00a 2:34p
JetBlue · B6 14025h 34mNonstop
Cash
$311
incl. tax
Portal
24,880 pts
≈ 1.25¢ each
Transfer
20,000 pts
+ $5.60 tax
Transfer & save
Save 4,880 pts · 1.53¢/pt
7:00a 3:28p
United · UA 5285h 28mNonstop
Cash
$342
incl. tax
Portal
27,360 pts
≈ 1.25¢ each
Transfer
25,000 pts
+ $5.60 tax
Transfer & save
Save 2,360 pts · 1.35¢/pt
11:40a 7:55p
American · AA 2718h 15m1 stop · ORD
Cash
$268
incl. tax
Portal
21,440 pts
≈ 1.25¢ each
Transfer
30,000 pts
+ $5.60 tax
Pay cash
Transfer only 0.87¢/pt — save your points
9:15a 5:45p
Delta · DL 4195h 30mNonstop
Cash
$389
incl. tax
Portal
31,120 pts
≈ 1.25¢ each
Transfer
No award space
on this date
Book via portal
No transfer space · locked 1.25¢/pt
Cash incl. taxes Portal points (1.25¢ fixed) Transfer to airline + taxesRule of thumb: a transfer worth more than 1.3¢ / point beats both the portal and the cash fare.

1. We pull all three prices

For every flight we grab the cash fare, your card's portal redemption, and the partner award you'd get by transferring — taxes included.

2. We value every point

We work out the real cents-per-point of the transfer award and stack it against your portal's fixed 1.25¢ floor for that exact seat.

3. We call the winner

Transfer when the award clears 1.3¢, book through the portal when there's no award space, and pay cash when your points are better saved.