What Are My Points Worth? Canadian Points Value Calculator
Convert an Aeroplan, Scene+, Membership Rewards, Avion or any other Canadian points balance into dollars, using the same valuations behind the MoneyMint Score — and see the best way to redeem each one.
Short answer: A Canadian rewards point is worth anywhere from 2.0¢ (Aeroplan) down to 0.1¢ (PC Optimum), so 50,000 points can be worth $1,000 in one program and $50 in another. The three most common: Aeroplan 2.0¢, Amex Membership Rewards 1.7¢ and Scene+ 1.0¢ per point. Use the calculator below for your own balance, or scroll to the full table.MoneyMint valuations, the same ones used in the MoneyMint Score · Checked Sep 14, 2026
Points Value Calculator
Pick a program, enter your balance, and see what it is worth at our valuation — plus what that balance would be per 10,000 points.
Point Valuations, Program by Program
Cents per point, what 10,000 points buy, and how to get that value. “Fixed rate” means the program publishes a set cash value per point; “typical redemption” is our estimate for programs whose value depends on how you redeem.
| # | Program | Value | 10,000 pts | Best use | Avoid |
|---|---|---|---|---|---|
| 1 | Air Canada AeroplanEarned with e.g. TD Aeroplan Visa Infinite Card | 2.0¢Typical redemption | $200 | Air Canada and Star Alliance flights, especially business class and short-haul | merchandise and gift cards, which return far less |
| 2 | American Express Membership RewardsEarned with e.g. American Express Cobalt Card | 1.7¢Typical redemption | $170 | transfers to Aeroplan, Avios or hotel partners; flights booked through Amex Travel | statement credits, which pay a flat 1¢ per point (0.7¢ on some cards) |
| 3 | British Airways AviosEarned with e.g. RBC British Airways Visa Infinite | 1.7¢Typical redemption | $170 | short-haul flights on British Airways and partners, priced by distance | long-haul economy, where surcharges eat the value |
| 4 | RBC AvionEarned with e.g. RBC Avion Visa Infinite. Points on the ION and ION+ cards: 0.71¢, RBC’s own gift-card rate | 1.6¢Typical redemption | $160 | the Air Travel Redemption Schedule (fixed-price flights) and transfers to partner airlines | gift cards and merchandise |
| 5 | Porter VIPorterEarned with e.g. BMO VIPorter World Elite Mastercard | 1.5¢Fixed rate | $150 | Porter flights, where points are worth a fixed amount toward the fare | letting them lapse — the value is tied to flying Porter |
| 6 | CIBC AventuraEarned with e.g. CIBC Aventura Visa Infinite Card | 1.2¢Typical redemption | $120 | flights through the Aventura Airline Rewards Chart; transfers to Aeroplan on select cards | merchandise; statement credits |
| 7 | Scotiabank Scene+Earned with e.g. Scotiabank Gold American Express Card | 1.0¢Fixed rate | $100 | any redemption — Scene+ is worth a fixed 1¢ on travel, groceries at Sobeys-family stores, and Cineplex | nothing in particular; the value is flat |
| 8 | WestJet RewardsEarned with e.g. WestJet RBC World Elite Mastercard | 1.0¢Fixed rate | $100 | WestJet flights and vacation packages, where points apply like cash | holding them for a "better" use — there isn’t one |
| 9 | MBNA RewardsEarned with e.g. MBNA Rewards World Elite Mastercard | 1.0¢Fixed rate | $100 | travel and cash back at the full rate | merchandise, which redeems below 1¢ |
| 10 | Marriott BonvoyEarned with e.g. Marriott Bonvoy American Express Card | 0.90¢Typical redemption | $90 | hotel stays at mid-tier properties and fifth-night-free bookings | airline transfers at poor ratios and merchandise |
| 11 | RBC MoiEarned with e.g. moi RBC Visa | 0.80¢Fixed rate | $80 | Metro grocery redemptions | nothing — value is fixed, so redeem as you go |
| 12 | BMO RewardsEarned with e.g. BMO eclipse Visa Infinite Card | 0.67¢Fixed rate | $67 | travel booked through BMO Rewards | cash back or merchandise, which redeem lower |
| 13 | TD RewardsEarned with e.g. TD First Class Travel Visa Infinite Card | 0.50¢Fixed rate | $50 | travel booked through Expedia For TD | Amazon.ca and statement credits, which pay less |
| 14 | PC OptimumEarned with e.g. PC Financial Mastercard | 0.10¢Fixed rate | $10 | groceries at Loblaw-family stores and Shoppers — 10,000 points = $10, always | nothing; the value is fixed |
Common Questions
Are These Point Values Guaranteed?
No. A cents-per-point valuation is an editorial estimate of what a point is typically worth when redeemed well. Programs with a fixed cash value (Scene+, PC Optimum, WestJet, Moi) are close to guaranteed; airline and hotel programs vary a lot by redemption, so you may get more or less than the figure here.
Why Is Scene+ Worth Only 1¢ When Aeroplan Is Worth 2¢?
Scene+ points redeem at a fixed 1¢ each against travel, groceries or movies, so their value never rises above that. Aeroplan points are redeemed against award charts, and a well-chosen flight — a business-class seat or a short-haul route in peak season — often returns 2¢ or more per point. The trade-off is simplicity: Scene+ is effortless, Aeroplan rewards effort.
Is It Better to Redeem Points for Cash Back or Statement Credits?
Usually not, if the program also offers travel redemptions. Amex Membership Rewards, for example, pay a flat 1¢ per point as a statement credit but about 1.7¢ when transferred to an airline partner and used well. Cash back is the right choice when you would not otherwise travel, or when the program’s cash value is already its best value.
Do These Valuations Affect How MoneyMint Rates Cards?
Yes. The MoneyMint Score converts each card’s points earn rate into an estimated cash-equivalent percentage using the same valuations, so a card earning 5 Aeroplan points per dollar on travel is treated as earning about 10% back in that category. See how we rate credit cards for the full method.
Where the Numbers Come From
These are MoneyMint’s own valuations. For programs with a fixed cash value (Scene+, WestJet, MBNA, BMO Rewards, TD Rewards, PC Optimum, Moi, VIPorter) we use the redemption rate the program publishes — for example, Scene+ points redeem at 1¢ each and TD Rewards at 0.5¢ through Expedia For TD. For variable-value programs (Aeroplan, Membership Rewards, Avios, Avion, Aventura, Marriott Bonvoy) we estimate what a point is typically worth when redeemed well, which is above the statement-credit floor but well below the best-case awards you see quoted online. Issuers do not publish an official cash value for these points, so any figure is an estimate.
We re-check every valuation at least twice a year and whenever a program changes its award chart or announces a devaluation.
How to Use This
Use the calculator to sanity-check a welcome offer (“up to 50,000 points” is worth very different amounts in different programs), to decide whether a card’s points are worth more than a cash-back card would pay, and to compare two balances you already hold. For the offers themselves, see credit card welcome offers this week.
Point valuations are estimates and are not guaranteed; actual value depends on how and when you redeem. Programs can change their award charts without notice. MoneyMint may earn a commission if you apply for a card through some links on this site; that does not affect the valuations shown. This page is general information, not financial advice.