Credit card companies offer generous travel rewards to entice you to switch to their products. The rewards come in the form of points that are hard to compare and stipulations that are difficult to remember and comply with. This makes consumers less likely to take advantage of these offers and more likely to stick to one product.

TravelRewardCollector.com creates a way to compare offers directly, stack ranks the best offers and tracks your progress through the application and activation process and then reminds you to meet the minimum spend criteria so you don’t miss out on any bonuses.

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What is Net Value?

Net Value is our way of comparing cards. It's based on the idea that you only have to pay the annual fee once in order to receive the bonus. For cards which offer a waived annual fee, you don't actually have to pay it, because you have the option to cancel it before it renews.

\[Net\ Value = Dollars\ Per\ Point \times Points - First\ Year\ Annual\ Fee\]

For example, let's take the Chase Ink Business Preferred®:

\[$1,345 = $0.018 \times 80000 - $95 \]

How do you set a dollar value on a point?

Point IssuerDollars Per Point
Alaska Airlines$0.019
American Airlines$0.014
Bank of America$0.01
Capital One$0.01
Chase Ultimate Rewards$0.018
Citi ThankYou$0.013
Delta Air Lines$0.012
Hawaiian Airlines$0.012
Southwest Airlines$0.014
United Airlines$0.015
Virgin Atlantic$0.015

To the right there is a table that shows the value we consider one point to be worth. There are many sources published for the value of one point. They are based on the cash value of the travel that can be purchased with points and other factors. We rely on the following sources:

If you have other questions, please ask!