{"id":191085,"date":"2025-02-10T10:30:00","date_gmt":"2025-02-10T15:30:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/pay-points-or-cash\/"},"modified":"2026-05-08T15:52:47","modified_gmt":"2026-05-08T15:52:47","slug":"pay-points-or-cash","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guide\/pay-points-or-cash\/","title":{"rendered":"Paying With Rewards Points or Cash: How to Choose?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-nbc-rewards-points-program-rbc-avion-air-miles-aeroplan-or-cash\">NBC Rewards Points Program, RBC Avion, AIR MILES, Aeroplan or &#8230; Cash?<\/h2>\n\n\n\n<p>In the <a class=\"thirstylink\" title=\"the milesopedia facebook group\" href=\"https:\/\/milesopedia.com\/en\/go\/fbgroupe\/\" target=\"_blank\" rel=\"nofollow noopener\">Milesopedia Facebook community<\/a>, we&#8217;re often asked whether it&#8217;s better to use reward points for a booking or whether it would be more advantageous to pay in cash. <a href=\"https:\/\/milesopedia.com\/en\/news\/points-value-target\/\">There isn&#8217;t just one right answer<\/a>, as each case is different.<\/p>\n\n\n\n<p>In this guide, you will find the information you need to make the right decision for your situation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-valuation-of-reward-points\">Valuation of Reward Points<\/h2>\n\n\n\n<p>When we talk about <a href=\"https:\/\/milesopedia.com\/en\/points-miles-value-canada\/\">reward point value<\/a>, we&#8217;re talking about the value you&#8217;ll get when you redeem reward points to book <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/save-money-hotels\/\">a hotel night<\/a>, buy <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/save-money-flights\/\">a plane ticket<\/a>, treat yourself to <a href=\"https:\/\/milesopedia.com\/en\/rewards\/reward-yourself-credit-card-points\/\">products<\/a> or purchase <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/points-gift-cards\/\">gift cards<\/a>.<\/p>\n\n\n\n<p>To help you, we regularly update our reward point valuation <a href=\"https:\/\/milesopedia.com\/en\/points-miles-value-canada\/\">estimate<\/a> for dozens of loyalty programs. But I&#8217;ll explain how to calculate all this.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"162101\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-calculation-of-reward-points\">Calculation of Reward Points<\/h3>\n\n\n\n<p>To calculate the valuation, 3 parameters must be taken into account:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>Total price:<\/strong> Total cost of reservation (including taxes) when paying in cash;<\/li>\n\n\n\n<li><strong>Points&nbsp;:<\/strong> Number of reward points required in exchange for booking;<\/li>\n\n\n\n<li><strong>Taxes and surcharges:<\/strong> Taxes, other fees and surcharges that must be paid in addition to points to make a reservation.<\/li>\n<\/ul><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1234\" height=\"399\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Bonvoy-Tarifs-avec-les-taxes.jpg\" alt=\"Paying With Rewards Points or Cash: How to Choose? - Tarifs avec les taxes\" class=\"wp-image-186300\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Bonvoy-Tarifs-avec-les-taxes.jpg 1234w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Bonvoy-Tarifs-avec-les-taxes-450x146.jpg 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Bonvoy-Tarifs-avec-les-taxes-1024x331.jpg 1024w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Bonvoy-Tarifs-avec-les-taxes-200x65.jpg 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Bonvoy-Tarifs-avec-les-taxes-768x248.jpg 768w\" sizes=\"auto, (max-width: 1234px) 100vw, 1234px\" \/><\/figure>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>Depending on the country and the supplier, the prices displayed do not always include taxes. So make sure they&#8217;re included before you pay.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<p>The calculation is done by dividing the amount saved <strong>(Total price &#8211; Taxes and surcharges)<\/strong> by the <strong>points<\/strong> needed:<\/p>\n\n\n<aside class=\"component component__quote wp-block-milesgutenberg-quote\">\n\t<div class=\"component__quote__icon\">\n\t\t<i class=\"fa-solid fa-quote-left\"><\/i>\n\t<\/div>\n\t<div class=\"component__quote__content\">\n\t\t<div class=\"component__quote__content__inner\">\n\t\t\t\n\n<p>Valuation = (Price &#8211; Taxes and surcharges) \/ points<\/p>\n\n\t\t<\/div>\n\t\t\t<\/div>\n<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-example-1-aeroplan-points\">Example 1: Aeroplan Points<\/h3>\n\n\n\n<p>Let&#8217;s take an example of a flight on Air Canada between Montreal and Paris, in Privilege Economy class, with <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/aeroplan\/\">Aeroplan points or in cash:<\/a><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1223\" height=\"216\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Aeroplan-YUL-CDG-argent.png\" alt=\"Paying With Rewards Points or Cash: How to Choose? - Exemple Aeroplan YUL-CDG argent\" class=\"wp-image-186311\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Aeroplan-YUL-CDG-argent.png 1223w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Aeroplan-YUL-CDG-argent-450x79.png 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Aeroplan-YUL-CDG-argent-1024x181.png 1024w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Aeroplan-YUL-CDG-argent-200x35.png 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Aeroplan-YUL-CDG-argent-768x136.png 768w\" sizes=\"auto, (max-width: 1223px) 100vw, 1223px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1317\" height=\"228\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Aeroplan-YUL-CDG-Points.png\" alt=\"Paying With Rewards Points or Cash: How to Choose? - Exemple Aeroplan YUL-CDG Points\" class=\"wp-image-186313\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Aeroplan-YUL-CDG-Points.png 1317w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Aeroplan-YUL-CDG-Points-450x78.png 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Aeroplan-YUL-CDG-Points-1024x177.png 1024w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Aeroplan-YUL-CDG-Points-200x35.png 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Aeroplan-YUL-CDG-Points-768x133.png 768w\" sizes=\"auto, (max-width: 1317px) 100vw, 1317px\" \/><\/figure>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td class=\"has-text-align-center\" data-align=\"center\">Parameter<\/td><td class=\"has-text-align-center\" data-align=\"center\">Amount<\/td><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Total price<\/td><td class=\"has-text-align-center\" data-align=\"center\">$789<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Taxes and surcharges<\/td><td class=\"has-text-align-center\" data-align=\"center\">$67<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Aeroplan Points<\/td><td class=\"has-text-align-center\" data-align=\"center\">46,200 points<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n<aside class=\"component component__quote wp-block-milesgutenberg-quote\">\n\t<div class=\"component__quote__icon\">\n\t\t<i class=\"fa-solid fa-quote-left\"><\/i>\n\t<\/div>\n\t<div class=\"component__quote__content\">\n\t\t<div class=\"component__quote__content__inner\">\n\t\t\t\n\n<p>789 &#8211; 67 \/ 46,200 = <strong>1.6 cents per point<\/strong><\/p>\n\n\t\t<\/div>\n\t\t\t<\/div>\n<\/aside>\n\n\n\n<p>This results in a valuation of <strong>1.6 cents per point<\/strong>.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"100492\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-example-2-hotel-reservation\">Example 2: Hotel Reservation<\/h3>\n\n\n\n<p>Let&#8217;s take an example of a hotel room, with <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/marriott-bonvoy-points\/\">Marriott Bonvoy points<\/a> or cash:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1205\" height=\"339\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Bonvoy-Argent.png\" alt=\"Paying With Rewards Points or Cash: How to Choose? - Exemple Bonvoy Argent\" class=\"wp-image-186317\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Bonvoy-Argent.png 1205w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Bonvoy-Argent-450x127.png 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Bonvoy-Argent-1024x288.png 1024w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Bonvoy-Argent-200x56.png 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Bonvoy-Argent-768x216.png 768w\" sizes=\"auto, (max-width: 1205px) 100vw, 1205px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1206\" height=\"414\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Bonvoy-Points.jpg\" alt=\"Paying With Rewards Points or Cash: How to Choose? - Exemple Bonvoy Points\" class=\"wp-image-186319\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Bonvoy-Points.jpg 1206w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Bonvoy-Points-450x154.jpg 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Bonvoy-Points-1024x352.jpg 1024w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Bonvoy-Points-200x69.jpg 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Bonvoy-Points-768x264.jpg 768w\" sizes=\"auto, (max-width: 1206px) 100vw, 1206px\" \/><\/figure>\n\n\n\n<p>For the flexible <strong>points<\/strong> rate:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td class=\"has-text-align-center\" data-align=\"center\">Parameter<\/td><td class=\"has-text-align-center\" data-align=\"center\">Amount<\/td><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Total price<\/td><td class=\"has-text-align-center\" data-align=\"center\">$201<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Taxes and surcharges<\/td><td class=\"has-text-align-center\" data-align=\"center\">$0<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Marriott Bonvoy Points<\/td><td class=\"has-text-align-center\" data-align=\"center\">10,000 points<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n<aside class=\"component component__quote wp-block-milesgutenberg-quote\">\n\t<div class=\"component__quote__icon\">\n\t\t<i class=\"fa-solid fa-quote-left\"><\/i>\n\t<\/div>\n\t<div class=\"component__quote__content\">\n\t\t<div class=\"component__quote__content__inner\">\n\t\t\t\n\n<p>201 &#8211; 0 \/ 10&nbsp;000 = <strong>2 cents per point<\/strong><\/p>\n\n\t\t<\/div>\n\t\t\t<\/div>\n<\/aside>\n\n\n\n<p>This results in a valuation of <strong>2 cents per point<\/strong>.<\/p>\n\n\n\n<p>For the flexible rate in exchange for <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/marriott-bonvoy-how-to-use-cash-points\/\" target=\"_blank\" rel=\"noopener\">Cash + points<\/a>:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td class=\"has-text-align-center\" data-align=\"center\">Parameter<\/td><td class=\"has-text-align-center\" data-align=\"center\">Amount<\/td><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Total price<\/td><td class=\"has-text-align-center\" data-align=\"center\">$201<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Taxes and surcharges<\/td><td class=\"has-text-align-center\" data-align=\"center\">$81<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Marriott Bonvoy Points<\/td><td class=\"has-text-align-center\" data-align=\"center\">4,000 points<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n<aside class=\"component component__quote wp-block-milesgutenberg-quote\">\n\t<div class=\"component__quote__icon\">\n\t\t<i class=\"fa-solid fa-quote-left\"><\/i>\n\t<\/div>\n\t<div class=\"component__quote__content\">\n\t\t<div class=\"component__quote__content__inner\">\n\t\t\t\n\n<p>201 &#8211; 81 \/ 4,000 = <strong>3 cents per point<\/strong><\/p>\n\n\t\t<\/div>\n\t\t\t<\/div>\n<\/aside>\n\n\n\n<p>This results in a valuation of <strong>3 cents per point<\/strong>.<\/p>\n\n\n\n<p>In the Cash + Points option of Marriott Bonvoy, be aware that the expense will be based on the currency of the country where the hotel is located. So, I have two tips for you, because you can either use:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>The <a title=\"Marriott Bonvoy<sup>&reg;<\/sup> American Express<sup>&reg;<\/sup>* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/amex-marriott-bonvoy-card\/\" rel=\"noindex\">Marriott Bonvoy<sup>&reg;<\/sup> American Express<sup>&reg;<\/sup>* Card<\/a> to earn 5 Marriott Bonvoy points per dollar on your hotel reservation, but with a 2.5% <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/forex\/\" target=\"_blank\" rel=\"noopener\">foreign currency conversion fee<\/a> if used outside Canada;<\/li>\n\n\n\n<li><a title=\"Scotiabank Passport\u2122 Visa Infinite +* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-passport-visa-infinite-card\/\" rel=\"noindex\">Scotiabank Passport Visa Infinite card<\/a> to earn 1 Scene+ point per dollar (equivalent to 1%) and pay 0% foreign currency conversion fee if used outside Canada.<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"247117\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"267909,22642\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>On Milesopedia, you will find an estimated value of each currency (Value of Reward Points) in the <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/\">file of each program<\/a>. You will find all these currencies in a drop-down box at the bottom of the <a href=\"https:\/\/milesopedia.com\/en\/\">Milesopedia homepage<\/a>.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-selection-bias\">Selection Bias<\/h3>\n\n\n\n<p>By using our rewards points we have access to hotels or airline seats that we probably couldn&#8217;t afford if we had to use cash. When calculating the price of a reservation, you must be careful <strong>not to overestimate the value<\/strong>.<\/p>\n\n\n\n<p>Here are 2 common mistakes:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Use the same flight on the same airline for the evaluation.<\/li>\n<\/ul><\/div>\n\n\n\n<p>But would you really pay $140 more to fly Air Canada instead of <a rel=\"noindex\" title=\"Air France\" href=\"https:\/\/milesopedia.com\/en\/go\/airfrance\/\" data-shortcode=\"true\">Air France<\/a>?<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1084\" height=\"264\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Comparaison-vols-YUL-CDG.png\" alt=\"Paying With Rewards Points or Cash: How to Choose? - Exemple Comparaison vols YUL-CDG\" class=\"wp-image-186329\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Comparaison-vols-YUL-CDG.png 1084w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Comparaison-vols-YUL-CDG-450x110.png 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Comparaison-vols-YUL-CDG-1024x249.png 1024w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Comparaison-vols-YUL-CDG-200x49.png 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Comparaison-vols-YUL-CDG-768x187.png 768w\" sizes=\"auto, (max-width: 1084px) 100vw, 1084px\" \/><\/figure>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Use the same rate class for evaluation<\/li>\n<\/ul><\/div>\n\n\n\n<p>But would you really pay $3,400 for a 7-hour one-way flight in <a href=\"https:\/\/milesopedia.com\/en\/reviews\/flights\/air-canada-signature-a330\/\">business class<\/a>? You might be satisfied with a flight in economy privilege class that costs $800. Right?<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1223\" height=\"216\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Aeroplan-YUL-CDG-argent.png\" alt=\"Paying With Rewards Points or Cash: How to Choose? - Exemple Aeroplan YUL-CDG argent\" class=\"wp-image-186311\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Aeroplan-YUL-CDG-argent.png 1223w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Aeroplan-YUL-CDG-argent-450x79.png 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Aeroplan-YUL-CDG-argent-1024x181.png 1024w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Aeroplan-YUL-CDG-argent-200x35.png 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Aeroplan-YUL-CDG-argent-768x136.png 768w\" sizes=\"auto, (max-width: 1223px) 100vw, 1223px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-debating-between-reward-points-and-cash\">Debating Between Reward Points and Cash<\/h2>\n\n\n\n<p>To make the right decision, it&#8217;s important to consider not only the value of reward points, but also the benefits of each option.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-benefits-that-apply-only-when-using-reward-points\">Benefits that Apply ONLY when Using Reward Points<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-cancellation-policy\">Cancellation Policy<\/h4>\n\n\n\n<p>Cancellation and modification policies for reservations paid in points are often more favourable than those that apply when paid in cash.<\/p>\n\n\n\n<p>For most hotels, cancellations when using points can be made without charge up to a few days before the arrival date. For an equivalent cash policy, it\u2019s necessary to compare with a refundable rate.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-baggage-fees-and-seat-selection\">Baggage Fees and Seat Selection<\/h4>\n\n\n\n<p>Better baggage allowance and seat selection are sometimes included when using points.<\/p>\n\n\n\n<p>For example, for a ticket on <a rel=\"noindex\" title=\"Air France\" href=\"https:\/\/milesopedia.com\/en\/go\/airfrance\/\" data-shortcode=\"true\">Air France<\/a>, the <em>Light<\/em> fare does not include baggage or seat selection when paying in cash.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"983\" height=\"668\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Air-France-billet-argent.png\" alt=\"Paying With Rewards Points or Cash: How to Choose? - billet argent\" class=\"wp-image-186332\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Air-France-billet-argent.png 983w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Air-France-billet-argent-450x306.png 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Air-France-billet-argent-200x136.png 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Air-France-billet-argent-768x522.png 768w\" sizes=\"auto, (max-width: 983px) 100vw, 983px\" \/><\/figure>\n\n\n\n<p>While seat selection and baggage will be included when redeeming <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/flying-blue-miles-canada\/\">Flying Blue miles<\/a>:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"846\" height=\"356\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Air-France-politique-billet-prime.png\" alt=\"Paying With Rewards Points or Cash: How to Choose? - billet prime\" class=\"wp-image-186334\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Air-France-politique-billet-prime.png 846w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Air-France-politique-billet-prime-450x189.png 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Air-France-politique-billet-prime-200x84.png 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Air-France-politique-billet-prime-768x323.png 768w\" sizes=\"auto, (max-width: 846px) 100vw, 846px\" \/><\/figure>\n\n\n\n<p>So if you&#8217;re planning to take a checked bag, it&#8217;s not with the Light fare ($614) that you should make your comparison, but with <a rel=\"noindex\" title=\"Air France\" href=\"https:\/\/milesopedia.com\/en\/go\/airfrance\/\" data-shortcode=\"true\">Air France<\/a>&#8217;s standard fare ($689).<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-fifth-night-free\">Fifth Night Free<\/h4>\n\n\n\n<p>When using points to book hotel nights with <a href=\"https:\/\/milesopedia.com\/en\/programme-fidelite\/marriott-bonvoy\/\">Marriott Bonvoy<\/a> and <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/points-hilton-honors\/\">Hilton Honors<\/a>, <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/fifth-night-free-marriott-bonvoy\/\">the fifth night is free<\/a>.<\/p>\n\n\n\n<p>This is a great advantage when you stay 5 nights in the same hotel.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-resort-fees\">Resort Fees<\/h4>\n\n\n\n<p>A little-known benefit for Hilton Honors hotels is that resort fees do not apply when the reservation is paid for with Hilton Honors points.<\/p>\n\n\n\n<p>Check out this example for a hotel near Disney World:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1252\" height=\"361\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/01\/hilton-orlando-points-.png\" alt=\"Paying With Rewards Points or Cash: How to Choose? - Hilton Orlando Points\" class=\"wp-image-126203\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/01\/hilton-orlando-points-.png 1252w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/01\/hilton-orlando-points--450x130.png 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/01\/hilton-orlando-points--1024x295.png 1024w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/01\/hilton-orlando-points--768x221.png 768w\" sizes=\"auto, (max-width: 1252px) 100vw, 1252px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1252\" height=\"504\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/01\/hilton-orlando-payant-.png\" alt=\"Paying With Rewards Points or Cash: How to Choose? - Hilton Orlando Paying\" class=\"wp-image-126201\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/01\/hilton-orlando-payant-.png 1252w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/01\/hilton-orlando-payant--450x181.png 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/01\/hilton-orlando-payant--1024x412.png 1024w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/01\/hilton-orlando-payant--768x309.png 768w\" sizes=\"auto, (max-width: 1252px) 100vw, 1252px\" \/><\/figure>\n\n\n\n<p>Between the fifth night free and no resort fees, it makes using Hilton Honors points a great option.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"207311\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-one-way-tickets\">One-Way Tickets<\/h4>\n\n\n\n<p>With most airline programs, you can book a one-way ticket for half the number of points\/miles required for a round trip.<\/p>\n\n\n\n<p>When you pay for your ticket in cash, the one-way price is often much higher than the round-trip price divided by 2.<\/p>\n\n\n\n<p>For example, for a round-trip flight Montreal &#8211; Paris with <a rel=\"noindex\" title=\"Air France\" href=\"https:\/\/milesopedia.com\/en\/go\/airfrance\/\" data-shortcode=\"true\">Air France<\/a>, you need to meet several criteria to qualify for the round-trip fare.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"807\" height=\"166\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Air-France-politique-tarifaire.png\" alt=\"Paying With Rewards Points or Cash: How to Choose? - Exemple Air France politique tarifaire\" class=\"wp-image-186336\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Air-France-politique-tarifaire.png 807w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Air-France-politique-tarifaire-450x93.png 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Air-France-politique-tarifaire-200x41.png 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-Air-France-politique-tarifaire-768x158.png 768w\" sizes=\"auto, (max-width: 807px) 100vw, 807px\" \/><\/figure>\n\n\n\n<p>This allows for a mix of loyalty programs, airlines and airline alliances. For example, you could fly out with Star Alliance on Air Canada using Aeroplan points, and return with Skyteam on <a rel=\"noindex\" title=\"Air France\" href=\"https:\/\/milesopedia.com\/en\/go\/airfrance\/\" data-shortcode=\"true\">Air France<\/a> using <a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/flying-blue-promo-rewards\/\" target=\"_blank\" rel=\"noopener\">Flying Blue<\/a> miles.<\/p>\n\n\n\n<p>This feature also offers the advantage of being able to book award tickets for the outbound flight without waiting for the return ticket to be available for booking.<\/p>\n\n\n\n<p>This is very useful when you want to secure seats on a flight that doesn&#8217;t offer many award tickets.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-adding-a-stopover-on-a-route\">Adding a Stopover on a Route<\/h4>\n\n\n\n<p>With some companies it is possible to add one or more stopovers either free of charge or with a small supplement.<\/p>\n\n\n\n<p>This is the case, for example, with the <a href=\"https:\/\/milesopedia.com\/en\/programme-fidelite\/aeroplan\/\">Aeroplan<\/a> program, which adds one stopover for 5,000 Aeroplan Points. <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/air-canada-aeroplan-flight-rewards-rules\/#Les_regles_dEscale_et_dArret_dAeroplan\">See Aeroplan Flight Rewards Rules<\/a>.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"209991\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-benefits-that-apply-only-when-paying-in-cash\">Benefits that Apply ONLY when Paying in Cash<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-flight-availability\">Flight Availability<\/h4>\n\n\n\n<p>With the exception of a few airlines such as Air Canada for Aeroplan, the number of award tickets available per flight is limited.<\/p>\n\n\n\n<p>We are talking about a few seats (often 3-4) being available on each flight. This is an important constraint when travelling on fixed dates or when <a href=\"https:\/\/milesopedia.com\/en\/travel-within-a-family\/\">travelling with family<\/a>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-building-towards-a-status\">Building Towards a Status<\/h4>\n\n\n\n<p>Several hotel programs (Hilton Honors, Marriott Bonvoy) count nights paid with points towards a higher status.<\/p>\n\n\n\n<p>But it&#8217;s quite the opposite for airline programs that don&#8217;t calculate segments and miles flown using award tickets. No points are earned when you pay with points!<\/p>\n\n\n\n<p>Moreover, when one of the status criteria is the amount spent during the year, it&#8217;s clear that a booking made with points doesn&#8217;t contribute to reaching that goal.<\/p>\n\n\n\n<p>Consider the <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/air-canada-aeroplan-elite-status\/\" target=\"_blank\" rel=\"noopener\">Aeroplan 25K Elite status<\/a>, which requires $3,000 in Status Qualification Dollars (SQD), or the Marriott Bonvoy Ambassador status, which requires $20,000 in annual expenses.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-eligibility-for-promotions\">Eligibility for Promotions<\/h4>\n\n\n\n<p>Some promotions offering bonus points, double nights, or point multipliers require that the entire or part of the booking be paid with cash to be eligible.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"625\" height=\"375\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-promotion-Hilton-3x.png\" alt=\"Paying With Rewards Points or Cash: How to Choose? - Exemple promotion Hilton 3x\" class=\"wp-image-186348\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-promotion-Hilton-3x.png 625w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-promotion-Hilton-3x-450x270.png 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-promotion-Hilton-3x-200x120.png 200w\" sizes=\"auto, (max-width: 625px) 100vw, 625px\" \/><\/figure>\n\n\n\n<p>Other promotions for reward points or those offering a discount are only available on cash transactions.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"266\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-promotion-Aeroplan-15-pourcent.png\" alt=\"Paying With Rewards Points or Cash: How to Choose? - Exemple promotion Aeroplan 15 pourcent\" class=\"wp-image-186346\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-promotion-Aeroplan-15-pourcent.png 250w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/Exemple-promotion-Aeroplan-15-pourcent-188x200.png 188w\" sizes=\"auto, (max-width: 250px) 100vw, 250px\" \/><\/figure>\n\n\n\n<p>It is therefore important to read the detailed rules before using your Reward Points. Sometimes it pays to pay in cash!<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"405168,72703\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-tips-for-taking-advantage-of-the-possibilities\">Tips for Taking Advantage of the Possibilities<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-buy-points\">Buy Points<\/h4>\n\n\n\n<p>Many programs offer you to <a href=\"https:\/\/milesopedia.com\/en\/buy-points-miles-offers\/\">purchase points<\/a>, which can be used to take advantage of the benefits of paying in points.<\/p>\n\n\n\n<p>And it&#8217;s not uncommon to see promotions up to a 100% point gain on their purchase.<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/milesopedia.com\/en\/offers\/buy-points\/buy-aeroplan-points-bonus\/\">Aeroplan<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/offers\/buy-points\/bonus-buy-hilton-points\/\">Hilton<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/offers\/buy-points\/buy-marriott-points\/\">Bonvoy <\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/offers\/buy-points\/buy-hyatt-points\/\">Word of Hyatt<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/offers\/buy-points\/buy-alaska-mileage-plan-miles-bonus\/\">Alaska Mileage Plan <\/a><\/li>\n<\/ul><\/div>\n\n\n\n<p>This becomes really interesting to earn the number of points needed to get 5 nights for the price of 4 at hotels in the Hilton Honors or Marriott Bonvoy programs. Or to sleep comfortably in business class on an overnight flight.<\/p>\n\n\n\n<p><a href=\"https:\/\/milesopedia.com\/en\/newsletter\/\">Subscribe to our newsletter<\/a> to receive all the promotions.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"126945\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>If you&#8217;re just a few points short, some programs will offer you the opportunity to purchase the missing points when you pay.<\/p>\n\n\n\n<p>One example is Aeroplan, which offers to use fewer points when booking and pay the rest in cash:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1263\" height=\"452\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/01\/Exemple-Aeroplan-YUL-CDG-Choix-echange.png\" alt=\"Paying With Rewards Points or Cash: How to Choose? - Choix echange\" class=\"wp-image-186972\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/01\/Exemple-Aeroplan-YUL-CDG-Choix-echange.png 1263w, https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/01\/Exemple-Aeroplan-YUL-CDG-Choix-echange-450x161.png 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/01\/Exemple-Aeroplan-YUL-CDG-Choix-echange-1024x366.png 1024w, https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/01\/Exemple-Aeroplan-YUL-CDG-Choix-echange-200x72.png 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/01\/Exemple-Aeroplan-YUL-CDG-Choix-echange-768x275.png 768w\" sizes=\"auto, (max-width: 1263px) 100vw, 1263px\" \/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-redeem-your-reward-points-for-gift-cards-from-the-company\">Redeem Your Reward Points for Gift Cards From the Company<\/h4>\n\n\n\n<p>Many programs offer the option to convert reward points into gift cards for the company. They are applicable on a booking, which can allow you in this case to take advantage of the benefits of payment with cash.<\/p>\n\n\n\n<p>An example with Air Canada:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1192\" height=\"808\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/AC-achat-de-cartes-Cadeaux-avec-Aeroplan.png\" alt=\"Paying With Rewards Points or Cash: How to Choose? - AC achat de cartes Cadeaux avec Aeroplan\" class=\"wp-image-186342\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/AC-achat-de-cartes-Cadeaux-avec-Aeroplan.png 1192w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/AC-achat-de-cartes-Cadeaux-avec-Aeroplan-450x305.png 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/AC-achat-de-cartes-Cadeaux-avec-Aeroplan-1024x694.png 1024w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/AC-achat-de-cartes-Cadeaux-avec-Aeroplan-200x136.png 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/AC-achat-de-cartes-Cadeaux-avec-Aeroplan-768x521.png 768w\" sizes=\"auto, (max-width: 1192px) 100vw, 1192px\" \/><\/figure>\n\n\n\n<p>This is a very good option when the valuation you would get by using your Aeroplan points for flying is below 1 cent per Aeroplan point.<\/p>\n\n\n\n<p>Another example with Best Western:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"952\" height=\"311\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/BW-achat-de-cartes-Cadeaux-avec-points.png\" alt=\"Paying With Rewards Points or Cash: How to Choose? - BW achat de cartes Cadeaux avec points\" class=\"wp-image-186344\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/BW-achat-de-cartes-Cadeaux-avec-points.png 952w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/BW-achat-de-cartes-Cadeaux-avec-points-450x147.png 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/BW-achat-de-cartes-Cadeaux-avec-points-200x65.png 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/BW-achat-de-cartes-Cadeaux-avec-points-768x251.png 768w\" sizes=\"auto, (max-width: 952px) 100vw, 952px\" \/><\/figure>\n\n\n\n<p>This is a great option when the valuation you would get using your <a href=\"https:\/\/milesopedia.com\/en\/programme-fidelite\/best-western-rewards\/\">Best Western Rewards<\/a> points is below 0.66 cents CAD per point or 0.5 cents USD.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p>The key is to weigh the pros and cons according to your situation.<\/p>\n\n\n\n<p>With a little thought and calculation, you&#8217;ll find the optimal strategy for getting the most out of your points&#8230; and enjoying yourself at the same time. After all, the important thing is to enjoy your points!<\/p>\n\n\n\n<p><a class=\"thirstylink\" title=\"the milesopedia facebook group\" href=\"https:\/\/milesopedia.com\/en\/go\/fbgroupe\/\" target=\"_blank\" rel=\"nofollow noopener\">Join the Milesopedia community<\/a> to discuss this topic.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='6'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"267909,22642,100492\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_i_redeem_my_nbc_reward_points_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do I redeem my NBC Reward points?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The best way to reward yourself is with travel! Read our step-by-step tutorial on how to <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/how-to-use-nbc-rewards-points-travel\/\" target=\"_blank\" rel=\"noopener\">use your NBC rewards points<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_i_earn_points_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do I earn points?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Check out the loyalty programs you frequent. Then collect points from your favourite program by paying with a credit card, to earn points or cash back from your credit card at the same time. The golden rule is to pay off your card balance at the end of the month.  <\/p>\n<p>For example, read our article on the <a href=\"https:\/\/milesopedia.com\/en\/guide\/grocery-rewards-credit-card\/\" target=\"_blank\" rel=\"noopener\">best combinations of rewards programs and grocery store credit cards<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Not sure whether to pay for your trip with rewards points or cash? Here is what to take into account.<\/p>","protected":false},"author":109,"featured_media":422088,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[45830],"tags":[],"mc_loyalty_program":[],"class_list":["post-191085","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guide","tutorial-tips"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Paying With Rewards Points or Cash: How to Choose? | Milesopedia<\/title>\n<meta name=\"description\" content=\"Not sure whether to pay for your trip with rewards points or cash? 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