Points are worth using when the cash price you avoid is higher than what the points would buy elsewhere. Run one simple test, then check fees, seat availability and expiry. If a redemption passes all three, it can lower your honeymoon bill.
This is a money question in our budget topic, and the test below keeps it fair.
How do we test the value of our points?
Divide the cash price you would avoid by the number of points the redemption needs. The result is what each point buys. Do this for every option, then compare the results.
The better redemption is the one where each point buys more cash value. Do not guess. Write each result in your notes so you can compare calmly.
What counts as the cash price?
Use the real price you would pay for the same trip on the same dates. Include baggage, seats and taxes, just as you would for a cash booking.
Then add the cash part of the points booking. Points tickets can still carry taxes and charges, and these belong in the comparison.
What should we check before we redeem?
Run these checks in order. Each one can change the answer.
| Check | Why it matters |
|---|---|
| Cash portion | Taxes and charges are paid on top of points |
| Seat availability | Award seats may not exist on your dates |
| Change and refund rules | Points bookings can be stricter than cash ones |
| Expiry | Points may lapse before you travel |
| Name match | Both of you must be named correctly on tickets |
Does it make sense for hotels and packages too?
Sometimes. Some programmes let you pay for a stay with points, but the value per point can differ from flights. Run the same test, and compare the points price with the cash price of the same room, meals and transfers.
If you are comparing a bundle, our guide on hotel and flight bundles versus separate bookings helps you see what is included in each.
How do fees and spending habits fit in?
Use points from spending you were going to do anyway. Chasing points with extra spending, or carrying a card balance, can cost more than the points are worth.
Overseas card use also has its own fees, covered in our card fees overseas guide. For the airline side, compare full-service and low-cost airlines before you decide where points help most.
What should we do next?
- Write down your points balance and when it expires.
- Get the cash price for your trip and the points price for the same trip.
- Run the value test and check the cash portion and seats.
- Send us both prices, and we will help you decide, then plan the rest of the total for two around the result.