U.S. Bank Altitude Reserve Visa Infinite® Rewards points are the most valuable credit card points, offering 1.5 cents per point when used for travel and 1.11 cents each on average. Chase Ultimate Rewards points are a close second, worth an average of 1.09 cents per point and up to 1.5 cents each when used for travel.
Most Valuable Credit Card Points
| Card | Average Value | Best Value |
| 1.11 cents | 1.5 cents | |
| 1.09 cents | 1.5 cents | |
| 1.08 cents | 1.31 cents | |
| 1.3 cents | 1.23 cents* | |
| 0.85 cents | 1 cent |
For comparison, credit card points are usually worth about 1 cent each, but this varies by issuer, card and redemption method.
* You can get the best redemption value for the UBS Visa Infinite Credit Card when you use your points to pay for the $495 annual fee. Otherwise, the best redemption option is travel, which gets you 1.1 cents per point.
Other Credit Cards with Valuable Points
Certain cards may offer a high redemption value for a particular option but low savings potential overall due to low earning rates. One example is the Mastercard® Gold Card, which offers points worth 1.33 cents on average and 2 cents when redeemed for cash back. However, cardholders only earn 1 point per $1 spent on purchases and must pay a $995 annual fee. As a result, we did not include this card in the table above.
You may also be able to get a higher value with U.S. Bank FlexPerks Rewards Program points, which are worth 1.18 cents on average, but FlexPerks cards are not currently available to new applicants. Additionally, several of the largest credit card issuers have different points programs for different cards, and the value of their points can vary between programs.
Most Valuable Co-Branded Credit Card Points
You can also get significant value out of loyalty points from co-branded cards like the Amtrak Credit Card. Amtrak Guest Rewards points are worth up to 2.67 cents each and are most valuable when used for Amtrak travel. The Amtrak Credit Card offers 1 - 3 points per $1 spent, and the points can be redeemed for hotel stays, car rentals, cruises, gift cards, and Amtrak travel.
For more options, check out WalletHub’s picks for the best rewards cards overall. You can also learn how to maximize your rewards from WalletHub’s full guide on credit card points.
This answer was last updated on 04/23/24 and it was first published on 07/24/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
