I'm a complete amateur with points.

We need to get to JFK for an international flight. We've got two options...

A: 35k points but arrive a full day early, needing a hotel and food

B: 90k points arriving 4 hours before heading to Indonesia.

Is saving 55k points on American Airlines worth the $200-$300 we'd spend in lodging and food?

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Since this is AA I would go the day before. They are notorious for being late. You wouldn’t want to miss the connection.

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Quick google says 55k AA points are worth 1.3 cents each or $715

Are these AA miles or point in some credit card? AA miles are worth about $.013. So 55k miles would be worth over $700. You could probably even pay for a hotel night in NY using those miles on the AA Hotels site.

Yeah, I did the calc at 1.5¢ and saw the ~$825 valuation, but how does one realize that 1.5 cents?

It makes sense to save the points, but the reality is spending at least an extra $300 and a 2/3 of a day in Queens for no reason. As a points novice, am I just as likely to burn those extra points at a .75 cents rate rather than the 1.5 cents? At that point it'd be a wash

You realize the value by using the points to pay for a hotel or to pay for an upgrade or to pay for another flight in the future. That said, I would probably not waste a travel day to save 50,000 miles if it meant taking an additional vacation day and paying for a hotel night.

You should include the value of guaranteeing the connection

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