How Much Are Ultimate Rewards Points Worth?

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Chase Ultimate Rewards points are one of the most valuable and widely collected points currencies out there. Personally I’ve long stated that I value these points at roughly 1.7 cents each, and I’ve received a lot of questions over the years about how I come up with that valuation. In this post I wanted to take a closer look at how I arrived at that number.

Let me start by saying that while there’s a right and wrong way to go about valuing points, there’s not actually a widely agreed upon valuation of points. So just as I say that Ultimate Rewards points are worth 1.7 cents each, some may say that they’re worth 1.5 cents each, while others may say that they’re worth 2.0 cents each, and they’re not necessarily any more right or wrong than I am.