Points value
What are your points worth?
One number per program: what 10,000 points buy, the easy way and the best way most people can repeat. The calculator and every card page use these same values.
Values set June 16, 2026. See what your spending earns →
Aeroplan
1¢–2¢1 point
$100–$20010,000 points
- Easy way (1¢): Gift cards, merchandise or paying toward a cash fare
- Best way (2¢): Economy flights, best on Star Alliance partners. Business class on partners can reach 3–8¢
Amex Membership Rewards
1¢–2¢1 point
$100–$20010,000 points
- Easy way (1¢): Statement credit: 1,000 points = $10
- Best way (2¢): Move them 1:1 to Aeroplan or British Airways Avios, then book economy flights
RBC Avion (Avion Elite cards)
1¢–2¢1 point
$100–$20010,000 points
- Easy way (1¢): RBC's own travel booking: 100 points = $1, always
- Best way (2¢): Short flights with British Airways Avios, or RBC's flight chart with a fare near the top of its price band
CIBC Aventura
1¢–2¢1 point
$100–$20010,000 points
- Easy way (1¢): Gift cards, merchandise or statement credit
- Best way (2¢): CIBC's flight chart, with a ticket priced near the top of its band (any airline, no blackouts)
Scene+
1¢1 point
$10010,000 points
- What a point buys (1¢): Travel, groceries at Sobeys, Safeway and FreshCo, or Cineplex: 1,000 points = $10. Same value everywhere. Only the general statement credit pays less (about 0.7¢), so skip it
TD Rewards
0.4¢–0.5¢1 point
$40–$5010,000 points
- Easy way (0.4¢): TD's Book Any Way travel credit (Amazon and merchandise pay less)
- Best way (0.5¢): Expedia For TD: 200 points = $1
Cards that earn it (3)
TD Rewards →
BMO Rewards
0.5¢–0.67¢1 point
$50–$6710,000 points
- Easy way (0.5¢): Statement credit or investments
- Best way (0.67¢): BMO's travel booking: 150 points = $1
BMO Blue Rewards
0.5¢–0.67¢1 point
$50–$6710,000 points
- Easy way (0.5¢): Merchandise and statement credit
- Best way (0.67¢): Travel and partner redemptions
National Bank À la carte
0.83¢–1¢1 point
$83–$10010,000 points
- Easy way (0.83¢): Gift cards, or more than 55,000 points in one go
- Best way (1¢): À la carte Travel: 10,000 points = $100
RBC Avion (ION and Rewards+ cards)
0.55¢–1¢1 point
$55–$10010,000 points
- Easy way (0.55¢): Merchandise and most gift cards
- Best way (1¢): The best gift cards. These cards can't move points to airlines
Marriott Bonvoy
0.7¢–1.4¢1 point
$70–$14010,000 points
- Easy way (0.7¢): A cheap award night, or moving points to an airline (avoid that)
- Best way (1.4¢): A 5-night award stay, where the 5th night is free, at a hotel with high cash rates
VIPorter
1¢–1.5¢1 point
$100–$15010,000 points
- Easy way (1¢): Porter reward flights at a low cash fare
- Best way (1.5¢): Porter reward flights. BMO says members averaged 1.5¢ per point on flights
Our estimate: no published chart to work from yet
British Airways Avios
1¢–2¢1 point
$100–$20010,000 points
- Easy way (1¢): Paying toward a cash fare
- Best way (2¢): Short economy flights, which cost few Avios
Our estimate: no published chart to work from yet
Cathay Asia Miles
1¢–2¢1 point
$100–$20010,000 points
- Easy way (1¢): Paying toward a cash fare
- Best way (2¢): Economy flights on Cathay Pacific and partners
Our estimate: no published chart to work from yet
United MileagePlus
1¢–2¢1 point
$100–$20010,000 points
- Easy way (1¢): Paying toward a cash fare
- Best way (2¢): Economy flights on United and Star Alliance partners
Our estimate: no published chart to work from yet
CIBC Adapta
0.667¢–0.833¢1 point
$67–$8310,000 points
- Easy way (0.667¢): Toward your balance or a recent purchase: 1,500 points = $10
- Best way (0.833¢): Toward some CIBC financial products: 1,200 points = $10
WestJet Rewards
1¢1 point
$10010,000 points
- What a point buys (1¢): 100 points = $1 toward a WestJet booking. Same value on any WestJet booking
Brim Rewards
1¢1 point
$10010,000 points
- What a point buys (1¢): Statement credit. Same value however you redeem
PC Optimum
0.1¢1 point
$1010,000 points
- What a point buys (0.1¢): At Loblaw stores and Shoppers: 1,000 points = $1. Same value in store. Statement credit pays less (10,000 points = $7)
Cards that earn it (3)
PC Optimum →
Capital One Smart Rewards
0.125¢1 point
$1310,000 points
- What a point buys (0.125¢): Gift cards: 20,000 points = a $25 gift card. Capital One doesn't publish a better rate
The easy way is what you get without effort, like a statement credit or gift card. The best way is a redemption most people can repeat, not a one-off business-class deal: those can be worth more, and we say so where they exist.