Put a number on “worth it”.
Points or pounds?
Start with the cash price you would actually pay.
Subtract any cash charges, then see what each point saves you.
Example figures only — not a live quote or a fixed points valuation.
1.20p
Compare cancellation terms, baggage, room types and points expiry too. This calculation excludes rewards you would earn on a cash booking.
What could your lump sum earn?
Illustrative estimate using the AER you enter. Assumes a constant rate and no deposits or withdrawals. Before tax; not suitable for modelling monthly regular-saver deposits.
£400.00
Is the annual fee worth it to you?
Enter only rewards and benefits you would actually use, in pounds. Excludes welcome bonuses, borrowing costs and other charges. Assumes you repay in full.
£25.00
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