Calculate total points from dollars and a ratio, or find the dollars or ratio given the other two values. Enter any two values to compute the third.
Dollars ⇌ Points Calculator
Calculate points earned from dollars spent, the dollars needed for points, or the conversion ratio. Enter any two values below to calculate the missing one.
Enter Values
Using the Dollars to Points Calculator
This flexible tool helps you understand the relationship between dollars spent (or value) and points earned in various reward or loyalty programs. It uses the simple formula:
Total Points (P) = Total Dollars (D) × Conversion Ratio (CR)
You can use this in three ways:
- Calculate Points (P): Enter Total Dollars (D) and the Conversion Ratio (CR) to find out how many points you'll earn or how many points a dollar amount equates to.
- Calculate Dollars (D): Enter Total Points (P) and the Conversion Ratio (CR) to find out how many dollars you need to spend (or the dollar equivalent) to reach that point target. ($D = P / CR$)
- Calculate Conversion Ratio (CR): Enter Total Points (P) and Total Dollars (D) to find the effective points-per-dollar ratio for a specific transaction or program. ($CR = P / D$)
Important Note on Conversion Ratio (CR):
The **Conversion Ratio (points per dollar)** is the most critical input and **varies widely** depending on the specific program (credit card, airline, hotel, retail loyalty program, etc.). This calculator requires you to input the correct ratio relevant to your situation. Check your program's terms and conditions to find this value.
Use Cases:
- Estimating points earned from a specific purchase or total spending.
- Determining how much more spending is needed to reach a points goal for a reward.
- Calculating the points-per-dollar earning rate on different spending categories or promotions.
- Comparing the earning potential of different reward programs (if you know their respective ratios).
- Budgeting for spending required to achieve specific point thresholds.
Note: This tool calculates the *quantity* of points based on a ratio. It does *not* calculate the *monetary value* of points (e.g., cents per point), which often requires a different calculation based on redemption options.
Frequently Asked Questions (FAQs)
How do I use this calculator?
Enter known values into exactly **two** of the three fields (Total Dollars, Conversion Ratio, Total Points). Leave the field you want to calculate blank. Click "Calculate".
What is the 'Conversion Ratio (points/$)'?
It represents how many points you receive for every one dollar spent (or the equivalent point value per dollar). For example, if a credit card gives 3 points per dollar on dining, the ratio for dining purchases is 3.
Where can I find the Conversion Ratio for my program?
Check the specific terms and conditions, welcome kit, website, or app associated with your credit card, airline, hotel, or retail loyalty program. It often varies by spending category.
Can I calculate the value of my points in cents or dollars?
No, this calculator focuses on the relationship $P = D \times CR$. To find the value of points (e.g., cents per point), you typically need to know how they can be redeemed (e.g., 10,000 points for a $100 statement credit means 1 cent per point). That requires a different type of valuation calculation.
What if the ratio is less than 1 (e.g., 0.5 points per dollar)?
That's fine. Enter the decimal value (e.g., 0.5) into the Conversion Ratio field. The calculator will work correctly.
