CPP Calculator

What is CPP (Cents Per Point)?

CPP stands for "cents per point"—it's how you measure the value you're getting from your credit card points. To calculate CPP, you divide the cash price (minus fees) by the number of points required.

For example, if a flight costs $500 cash or 50,000 points, your CPP is 1.0 (500 ÷ 50,000 × 100). If you value Chase Ultimate Rewards at 1.5 cents per point, that's a good redemption. If you value them at 2.0 cents per point, that's a poor redemption.

Our CPP calculator automatically compares your redemption value against your personal point valuations, so you always know whether to book with points or pay cash.

Why Use Our CPP Calculator?

Instant Calculation

Enter points required and cash price. Get your CPP instantly with a clear recommendation: points or cash?

Personal Valuations

Compare against your own point valuations for each program. Know if a redemption meets your standards.

Fees & Taxes

Account for fees and taxes on point redemptions. Get accurate CPP calculations that reflect real costs.

All Programs

Calculate CPP for Chase UR, Amex MR, Citi TYP, Capital One, and more. One tool for all your points.

How It Works

Enter Redemption Details

Input the points required, cash price, and any fees. Select your points program.

Get Your CPP

See your cents per point instantly. Compare against your personal valuation for that program.

Make the Right Choice

Get a clear recommendation: book with points if CPP meets your valuation, or pay cash if it doesn't.