The Upgrade Blueprint

What are your points actually worth?

Your bank will happily buy your points back at the floor. A good redemption is worth several times that. Put in what you hold and see the gap you are sitting on.

Cashing out would cost you

£0

Want the guide that shows you how to reach the top of that range?

The free UK Points Starter Guide: the 90-day plan, the cards worth holding, and the redemptions that actually hit 3p and above.

The guide, then occasional emails about UK points and travel. Unsubscribe whenever you like.

Check your inbox and click the confirmation link. The guide lands as soon as you do.

The full picture. The Upgrade Blueprint Playbook covers every UK card worth holding, real redemptions with the numbers I actually paid, and the transfer mistake that cost me thousands.
Get the Playbook →

Floor and peak values are my own working benchmarks, last reviewed 7 September 2026. The floor is the worst common redemption: Amex statement credit at 0.45p, Avios to Nectar at 0.5p. Hotel points have no cash-out at all. The peak is what a well-chosen redemption returns, and it is not guaranteed. Points valuations are opinion, not fact, and programmes devalue without warning. Always check current rates before you commit.