SwitchWizeFinancial Decisions, Made Clearer

Monthly valuations

Three values. One disclosed sample.

Floor shows the deterministic cash-out value. Median is the observed P50 redemption. Optimizer is P90—not a promise, but the upper tail of the measured basket.

See overhyped currenciesMethodology

Observed value by currency

airline

Flying Blue

Flying Blue miles

Floor

—

Median P50

7.69¢

Optimizer P90

9.12¢

Sample

n=7

ProvisionalMethod: ledger-1.0

airline

Iberia Plus

Iberia Plus Avios

Floor

—

Median P50

3.34¢

Optimizer P90

3.46¢

Sample

n=11

ProvisionalMethod: ledger-1.0Reality Gap: -1.94¢

airline

Air Canada Aeroplan

Aeroplan points

Floor

—

Median P50

2.47¢

Optimizer P90

2.80¢

Sample

n=36

ProvisionalMethod: ledger-1.0Reality Gap: -1.02¢

airline

American Airlines AAdvantage

AAdvantage miles

Floor

—

Median P50

2.31¢

Optimizer P90

2.74¢

Sample

n=16

ProvisionalMethod: ledger-1.0Reality Gap: -0.91¢

airline

Virgin Atlantic Flying Club

Virgin Points

Floor

—

Median P50

2.20¢

Optimizer P90

3.79¢

Sample

n=41

ProvisionalMethod: ledger-1.0Reality Gap: -0.75¢

airline

Singapore Airlines KrisFlyer

KrisFlyer miles

Floor

—

Median P50

1.79¢

Optimizer P90

2.46¢

Sample

n=8

ProvisionalMethod: ledger-1.0Reality Gap: -0.49¢

airline

Turkish Airlines Miles&Smiles

Miles&Smiles miles

Floor

—

Median P50

1.73¢

Optimizer P90

1.82¢

Sample

n=9

ProvisionalMethod: ledger-1.0Reality Gap: -0.63¢

airline

Alaska Airlines Atmos Rewards

Atmos Rewards miles

Floor

—

Median P50

1.70¢

Optimizer P90

2.11¢

Sample

n=14

ProvisionalMethod: ledger-1.0Reality Gap: -0.15¢

airline

Qantas Frequent Flyer

Qantas Points

Floor

—

Median P50

1.45¢

Optimizer P90

1.66¢

Sample

n=13

ProvisionalMethod: ledger-1.0Reality Gap: -0.20¢

airline

Etihad Guest

Etihad Guest miles

Floor

—

Median P50

1.19¢

Optimizer P90

1.40¢

Sample

n=22

ProvisionalMethod: ledger-1.0Reality Gap: 0.01¢

airline

Delta SkyMiles

Delta SkyMiles

Floor

—

Median P50

1.05¢

Optimizer P90

1.05¢

Sample

n=5

ProvisionalMethod: ledger-1.0Reality Gap: 0.15¢

airline

United MileagePlus

United MileagePlus miles

Floor

—

Median P50

0.90¢

Optimizer P90

1.24¢

Sample

n=7

ProvisionalMethod: ledger-1.0Reality Gap: 0.35¢

bank

Bilt Rewards

Bilt Points

Floor

—

Median P50

—

Optimizer P90

—

Sample

n=0

ProvisionalMethod: awaiting first snapshot

Floor

—

Median P50

—

Optimizer P90

—

Sample

n=0

ProvisionalMethod: awaiting first snapshot

bank

Capital One Miles

Capital One miles

Floor

—

Median P50

—

Optimizer P90

—

Sample

n=0

ProvisionalMethod: awaiting first snapshot

bank

Chase Ultimate Rewards

Ultimate Rewards points

Floor

—

Median P50

—

Optimizer P90

—

Sample

n=0

ProvisionalMethod: awaiting first snapshot

bank

Citi ThankYou Rewards

ThankYou Points

Floor

—

Median P50

—

Optimizer P90

—

Sample

n=0

ProvisionalMethod: awaiting first snapshot

bank

Citi ThankYou Points

ThankYou Points

Floor

—

Median P50

—

Optimizer P90

—

Sample

n=0

ProvisionalMethod: awaiting first snapshot

bank

Discover Miles

Discover Miles

Floor

1.00¢

Median P50

—

Optimizer P90

—

Sample

n=0

ProvisionalMethod: awaiting first snapshot

hotel

Hilton Honors

Honors points

Floor

—

Median P50

—

Optimizer P90

—

Sample

n=0

ProvisionalMethod: awaiting first snapshot

hotel

IHG One Rewards

One Rewards points

Floor

—

Median P50

—

Optimizer P90

—

Sample

n=0

ProvisionalMethod: awaiting first snapshot

hotel

Marriott Bonvoy

Bonvoy points

Floor

—

Median P50

—

Optimizer P90

—

Sample

n=0

ProvisionalMethod: awaiting first snapshot

airline

Southwest Rapid Rewards

Rapid Rewards points

Floor

—

Median P50

—

Optimizer P90

—

Sample

n=0

ProvisionalMethod: awaiting first snapshot

bank

U.S. Bank Altitude points

Altitude points

Floor

1.00¢

Median P50

—

Optimizer P90

—

Sample

n=0

ProvisionalMethod: awaiting first snapshot

bank

Wells Fargo Rewards

Wells Fargo Rewards points

Floor

1.00¢

Median P50

—

Optimizer P90

—

Sample

n=0

ProvisionalMethod: awaiting first snapshot

hotel

World of Hyatt

World of Hyatt points

Floor

—

Median P50

—

Optimizer P90

—

Sample

n=0

ProvisionalMethod: awaiting first snapshot

hotel

Wyndham Rewards

Wyndham Rewards points

Floor

—

Median P50

—

Optimizer P90

—

Sample

n=0

ProvisionalMethod: awaiting first snapshot