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Do you run your own restaurant or food and beverage business? Restaurants are one of the most popular small businesses in the world, with more than 677,000 restaurants in the U.S. alone.¹
If you’re part of the industry employing nearly 12 million people in the U.S.,¹ you’ve probably dealt with a lot in the last few years, with COVID-19 likely shuttering your business temporarily.
Luckily, the restaurant business is one of the most resilient types of businesses, and you’ve probably been seeing a resurgence of consumers eating out, ordering delivery, or getting takeout.
And if you’re a restaurant owner, you should absolutely make sure you’re earning rewards from your credit card purchases. The restaurant business is a notoriously low-margin business, so every single dollar you can get back will make a difference.
Let’s get into it!
What To Look For in a Business Credit Card for Restaurant Owners
The vast majority of your expenses as a restaurant owner will probably be from food distributors or wholesale companies. You might spend a few dollars here and there on gasoline, electronics, or office supplies, but you’re probably going to be allocating almost all of your budget to food distributors and wholesale companies.
Restaurants also spend a ton of money every single month, so you’ll need to look for a card with either a high credit limit or no preset spending limit at all.
Purchase protection and extended warranty probably aren’t all that important for perishable food purchases — but you’ll need to find a suitable credit card where you can make large purchases at companies like Sysco and US Foods for maximum rewards.
Here are our favorites!
The 7 Best Business Cards for Restaurant Owners
There’s an enormous difference between the types of purchases restaurant owners make to buy food at scale versus the types of purchases consumers make when dining out at a restaurant.
For this reason, it doesn’t make sense for a restaurant owner to get a business card that rewards restaurant or grocery spending.
Instead, you’ll need to get cards that offer the best general rewards. Here are our picks:
Earn 50,000 miles once you spend $4,500 on purchases within the first 3 months.
Annual fee of $0 intro for the first year, $95 after that
2x miles on all purchases
No-additional-fee employee cards
Capital One Spark Travel Elite
Earn 250,000 bonus miles in your first 6 months of card membership. You’ll earn 50,000 miles after you spend $10,000 in the first 3 months, and another 200,000 miles once you spend $50,000 in your first 6 months.
1.5x points on eligible purchases in key business categories and on eligible purchases of $5,000 or more everywhere else (up to $2 million per calendar year)
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)
The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
50,000 miles
$900
$0 intro for the first year, $95 after that
26.24% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Capital One Spark Miles for Business is a great option for business owners looking for an uncomplicated rewards card that earns double miles on every purchase they make and offers access to transfer partners, all for a low annual fee.
Pros
Unlimited 2x miles per $1 spent on all purchases
5x miles per $1 spent on hotel and rental cars purchased through Capital One Travel
2 complimentary visits to a Capital One Lounge per year
Up to a $100 Global Entry or TSA PreCheck credit
Access to Capital One transfer partners
No foreign transaction fees
Free employee cards
Extended warranty coverage
Cons
Annual fee: $0 intro for the first year, $95 after that
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
The Capital One Spark Miles card is our top-winning business card for restaurant owners. To start off, you’ll enjoy a welcome bonus after meeting a pretty low spending requirement.
The reason why we love this card is that you can earn up to 5x Capital One miles on purchases made on this card:
5x miles on hotel and rental car bookings made through Capital One Travel
2x miles on other purchases
As a restaurant owner, earning 2x miles on all your purchases is a huge deal, and the rewards will add up quickly over time.
Additionally, the Capital One Spark Miles card comes with a Global Entry or TSA PreCheck application fee credit, purchase protection, extended warranty, and more.
Plus, the Capital One Spark Miles card has no foreign transaction fees and no additional annual fees for employee cards.
You can also redeem Capital One miles for Capital One Travel bookings, Amazon.com purchases, gift cards, and statement credits, but you won’t get outsized value with these redemption methods.
2. Capital One Spark Travel Elite
Another great card option is the exclusive Capital One Spark Travel Elite card, which is only available through invitation as an existing Capital One cardholder.
This terrific card earns the same 2x miles on almost all restaurant owner expenses, but it notably offers better benefits at a higher price tag.
Plus, the Capital One Spark Travel Elite card also has no preset spending limit, making it easy for business owners to make large purchases without worrying about their card getting declined.
You can get up to 10x miles on purchases:
10x miles on hotels and car rentals purchased through Capital One Travel
5x miles on flights purchased through Capital One Travel
2x miles on other purchases
So what’s the difference between the Capital One Spark Miles card and the Capital One Spark Travel Elite card if you earn 2x miles on almost all of the purchases that restaurant owners make? The answer is benefits.
With the Capital One Spark Travel Elite card, you’ll get complimentary airport lounge access to Capital One Lounges, Plaza Premium Lounges, and Priority Pass lounges, as well as a $300 Capital One Travel credit every anniversary year and an account anniversary bonus of 10,000 miles after every account anniversary year.
There’s also a Global Entry or TSA PreCheck application fee credit, travel insurance, and cell phone protection, too.
You won’t find any foreign transaction fees or additional annual fees for employee cards.
Bottom Line: Capital One miles are earned on every purchase, with extra earnings in bonus categories. Although Capital One miles are not airline miles and cannot be used to book award flights directly, you can use the miles as a statement credit toward previous travel purchases, transfer miles to airline or hotel partners, or book travel directly with Capital One.
3. The Business Platinum Card® from American Express
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
120,000 points
$2,640
$695
19.49% - 27.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.
5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
Up to $200 annual airline fee credit on your selected qualifying airline
Statement credits on select purchases with your card
35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
Global Entry or TSA PreCheck application fee credit
Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
Airline fee credit does not cover airfare, only incidentals like checked bags
Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
$189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
One of our favorite business cards for restaurant owners is the Amex Business Platinum card, which has an unbeatable list of luxury travel and business benefits.
Let’s start off with the welcome bonus (easily worth more than $2,000) and earning structure:
5x points on flights and prepaid hotels booked through AmexTravel.com
1.5x pointson eligible purchases in key business categories and on eligible purchases of $5,000 or more (up to $2 million in purchases per calendar year)
1x points on other purchases
If you’re a restaurant owner, you’re probably routinely making large purchases of $5,000 or more, especially when working with distributors. That means you’ll probably earn 1.5x points!
35% airline bonus on eligible flights booked through AmexTravel.com via Pay With Points
Of course, this card has no preset spending limit, superb travel insurance, QuickBooks integrations, purchase protection, extended warranty, cell phone protection, return protection, and no foreign transaction fees (rates & fees).
Why We Like Earning Amex Membership Rewards Points
The Amex Business Platinum card earns Amex Membership Rewards points, which are worth 2.2 cents each according to our valuations. That makes Amex points the most valuable type of transferrable points available.
If you’re looking for other ways to use your points, you can also redeem Amex points for charity, statement credits, gift cards, and AmexTravel.com portal bookings. Just remember that you’ll get a majorly reduced redemption value when you use points in these ways.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$900
$900
$0
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.
If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.
Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Pros
1.5% cash-back on all purchases
No annual fee
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Employee cards at no additional cost
Earn flexible rewards
Cons
3% foreign transaction fee
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Member FDIC
Financial Snapshot
APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Foreign Transaction Fees: 3% of each transaction in U.S. dollars
The Ink Business Unlimited card is our next-best option, and this credit card earns streamlined cash-back rewards with the potential to convert your cash-back to transferrable points.
You can earn 1.5% cash back on all purchases, except for 5% cash back on Lyft purchases through March 31, 2025.
By converting your 1.5% cash-back to 1.5x Ultimate Rewards points, you’ll get a return on spending of 3%.
The Ink Business Unlimited card boasts 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, primary rental car insurance, purchase protection, extended warranty, zero liability fraud protection, and fee-free employee cards.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners. (Information collected independently. Not reviewed by Capital One.)
The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners. (Information collected independently. Not reviewed by Capital One.)
Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months.
$1,200
$150
N/A
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)
The Capital One Spark Cash Plus Card is great for business owners looking to improve their bottom line by earning 2% cash-back on all purchases without a high annual fee. Further, with no preset spending limit, the ability to get your $150 annual fee refunded every year you spend at least $150,000, and free employee cards, there is something that every business owner will love.
Pros
Unlimited 2% cash-back on all purchases
5% cash-back on hotels and rental cars purchased through Capital One Travel
No preset spending limit
Get your $150 annual fee refunded every year you spend at least $150,000
Complimentary employee cards
No foreign transaction fees
Extended warranty coverage
Payment flexibility (pick your own due date)
Cons
$150 annual fee
Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months
Earn unlimited 2% cash back on every purchase, everywhere – with no limits or category restrictions
Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
Get your $150 annual fee refunded every year you spend at least $150,000 or more
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Add employee cards for free, and earn unlimited 2% cash back from their purchases
$150 annual fee
Spark Cash Plus has no APR because your balance is due in full every month
The Capital One Spark Cash Plus card is yet another one of Capital One’s best rewards cards for businesses, especially if you’re running a restaurant.
This card focuses on cash-back instead of points or miles, and you’ll also notice that this product has a welcome bonus, plus no preset spending limit.
You’ll earn up to 5% cash back on purchases:
5% cash-back on hotels and rental cars booked through Capital One Travel
2% cash-back on other purchases
Every year you spend at least $150,000, get your $150 annual fee refunded.
Other benefits include extended warranty, zero fraud liability, roadside dispatch, no foreign transaction fees, and no additional fee employee cards.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Earn up to 5% cash-back for your business without complex bonus earning categories!
Earn up to 5% cash-back for your business without complex bonus earning categories!
Earn $1,000 bonus cash-back after you spend $10,000 on purchases in the first 3 months from account opening.
$1,000
$195
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Chase has introduced the Ink Business Premier℠ Credit Card to its business credit card lineup. With straightforward cash-back earnings on everyday purchases and large expenses, tools to help you monitor your business, and multiple ways to redeem your rewards, this is a great card option to consider.
Pros
Earn 2.5% total cash-back on purchases of $5,000 or more
Earn 2% cash-back on all other business purchases
Unlimited 5% total cash-back on travel purchased through Chase Ultimate Rewards
No foreign transaction fees
Trip cancellation and trip interruption insurance
No additional cost for employee cards
Cell phone protection
Primary rental car coverage
Purchase protection
Extended warranty coverage
Cons
$195 annual fee
Some purchases need to be paid in full each month and don’t qualify for Flex for Business APR
Rewards cannot be pooled with Chase cards that offer access to transfer partners
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
The Ink Business Premier card is actually Chase’s response to the Capital One Spark Cash Plus card. It’s designed to reward those who spend a lot on their business and are looking for uncapped cash-back rewards.
At the moment, there’s a large welcome bonus offered to new cardholders. You’ll earn up to 5% cash-back:
5% cash-back on travel purchased through Ultimate Rewards
2.5% cash-back on every purchase of $5,000 or more
2% cash-back on all other purchases
The Ink Business Premier card takes your cash-back rewards a notch higher when compared to the Capital One Spark Cash Plus card’s 2% cash-back rewards.
This card is a “Pay in Full card,” which translates to a charge card.
Hot Tip: The rewards earned on the Ink Business Premier card cannot be converted to Ultimate Rewards points, which is unfortunate, but not unexpected.
Other crucial benefits offered to Ink Business Premier cardholders are travel insurance (including baggage insurance and primary rental car insurance), purchase protection, extended warranty, cell phone insurance, roadside dispatch, and fraud protection.
Fee-free employee cards are available, and there are no foreign transaction fees associated with using this card.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
(Information collected independently. Not reviewed by Capital One.)
(Information collected independently. Not reviewed by Capital One.)
$0
0% Intro APR for the first 9 months after account opening,Ongoing APR: 18.24% - 28.24% Variable
The Capital One Spark Miles Select for Business is an excellent option for business owners looking for straightforward earning with no blackout dates, no seat restrictions, and no minimum when redeeming your miles.
Earn a one-time bonus of 20,000 miles once you spend $3,000 on purchases within the first 3 months from account opening.
Get unlimited 1.5 miles on every purchase with your business credit card with no blackouts or seat restrictions, and no minimum to redeem.
Earn 5X miles on hotel and rental car bookings through Capital One Travel.
Use your miles on flights, hotels, vacation packages and more—you can even transfer miles to any of our 15+ travel partners.
We’ve got you covered with zero fraud liability if your card is lost or stolen. Plus, get automatic fraud alerts via text, email or phone call.
0% intro APR for 9 months; 18.24% – 28.24% variable APR after that.
Financial Snapshot
APR: 0% Intro APR for the first 9 months after account opening,Ongoing APR: 18.24% - 28.24% Variable
The Capital One Spark Miles Select card is the final card we’ll be discussing. This card has no annual fee but still earns worthwhile rewards to consider if you want to keep your costs as low as possible.
You can expect to earn according to the following structure:
5x miles on hotels and rental cars booked via Capital One Travel
1.5x miles on other purchases
The Capital One Spark Miles Select card has extended warranty, no foreign transaction fees, employee cards for no additional annual fees, and roadside dispatch.
Final Thoughts
There you have it! The best cards for restaurant owners are probably not what you expected.
You might have expected to use credit cards that are best for restaurant purchases or groceries, but in reality, most of the vendors that restaurant owners use, like Sysco and US Foods, operate on a B2B basis.
And because these companies don’t code as restaurants or groceries, you’ll need to look for a card that offers outsized rewards on all business purchases. That’s where the recommendations in this guide come into play.
The Capital One Spark Miles card and Capital One Spark Travel Elite card both lead the pack by offering 2x miles, which are worth a return on spending of 3.6%.
The Amex Business Platinum card can earn up to 1.5x points on certain purchases for restaurant owners, which is valued at around 3.3%, but the luxury benefits offered to these cardholders absolutely cannot be ignored.
The Ink Business Unlimited card, Ink Business Premier card, and Capital One Spark Cash Plus card all offer great cash-back rewards, as well.
Lastly, if you’re looking for absolutely no annual fees but want to be able to transfer your points to travel partners, consider the Capital One Spark Miles Select card.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
For the extended warranty and purchase protection benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the cell phone protection benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the return protection benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details.
The information regarding the Capital One Spark Travel Elite was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Spark Miles Select for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Information regarding the Capital One Spark Miles for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer. For rates and fees of The Business Platinum Card® from American Express, click here.
Featured Image Credit: Jason Leung via Unsplash
Frequently Asked Questions
Which credit card is best for restaurant owners?
If you’re a restaurant owner, you will need to get a card that rewards general purchases more than restaurant purchases because your food distributor vendors will almost certainly not fall into the “restaurants” category.
The best cards are the Capital One Spark Miles card, Capital One Spark Travel Elite card, Amex Business Platinum card, Ink Business Unlimited card, Capital One Spark Cash Plus card, Ink Business Premier card, and Capital One Spark Miles Select card.
Can I use my personal credit card for my restaurant business?
It’s probably not a good idea. You should probably get a business credit card in the name of your business so you can properly separate business and personal expenses for accounting and bookkeeping.
How do I apply for a credit card for my restaurant business?
It’s pretty simple to do so; first, determine the legal structure of your business, whether it’s an LLC or corporation. Then, compile key information surrounding your business, including annual revenue numbers and your EIN. After that, use all of that information to apply for your business credit card.
Do restaurants need business credit cards?
You technically don’t need a business credit card as a restaurant — you can conduct all of your business through bank account transfers and wire transfers. But you’d seriously be missing out on hundreds of thousands of dollars in the long run, so why wouldn’t you start using a business credit card?
Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.