Which Transferable Points Are Most Valuable?

Filed Under: American Express, Capital One
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The best way to maximize your credit card rewards for travel is to earn transferable points currencies. However, the value propositions and specifics of the currencies are constantly changing. So a couple of times per year I like to take a big-picture look at the state of transferable points currencies.

In this post I wanted to share my general thoughts on the four major transferable points currencies — Amex Membership Rewards, Capital One, Chase Ultimate Rewards, and Citi ThankYou Rewards.

This includes sharing what I like, what I don’t like, and how I generally like redeeming each of these points currencies.

Let me start by mentioning that all four programs have a bit of overlap, so often the differences are nuanced. For example, all four programs partner with Air France/KLM Flying Blue and Singapore Airlines KrisFlyer.

We’re seeing more and more overlapping transfer partners, and that’s both a blessing and a curse — it’s bad because the programs have very few unique transfer partners nowadays, but it’s good because it means you can pool points from different transferable points currencies towards the same redemption.

With that out of the way, here’s how I’m feeling about these programs:

American Express Membership Rewards

Here are the Amex Membership Rewards transfer partners, including 19 airline partners and three hotel partners:

AirlinesHotels
Aer Lingus Aer ClubChoice Privileges
Aeroméxico Club PremierHilton Honors
Air Canada AeroplanMarriott Bonvoy
Air France/KLM Flying Blue
Alitalia MilleMiglia
ANA Mileage Club
Avianca LifeMiles
British Airways Executive Club
Cathay Pacific Asia Miles
Delta SkyMiles
El Al Matmid
Emirates Skywards
Etihad Guest
Hawaiian Airlines HawaiianMiles
Iberia Plus
JetBlue TrueBlue
Qantas Frequent Flyer
Singapore Airlines KrisFlyer
Virgin Atlantic Flying Club

Things I Love

  • Amex Membership Rewards continues to have the most transfer partners of these four programs
  • Amex offers transfer bonuses with some frequency, which can really help you maximize the value of your points

Things I Don’t Love

  • Amex is the only one of these programs that passes on a federal excise tax when transferring points for a US-based frequent flyer program; this isn’t a huge deal, but it’s something that other programs don’t pass on
  • Amex only lets you transfer points to a frequent flyer account in the name of the primary cardmember or authorized user (and the authorized user needs to be on your account for at least 90 days); you can’t gift points to others, including a spouse or household member

Where I’m Seeing Value Transferring Points

  • Air Canada Aeroplan continues to be useful, especially for transatlantic Star Alliance redemptions, whether you want to fly Turkish or United without surcharges, or want to fly Lufthansa first class and pay surcharges; Air Canada has now acquired Aeroplan (which was previously a spun-off program), which will remain an Amex partner
  • Air France/KLM Flying Blue can be useful, and I ideally like to transfer points with a transfer bonus
  • British Airways Executive Club is useful for short-haul awards, and it’s especially useful to transfer points during a transfer bonus
  • Etihad Guest has some great niche redemptions
  • Singapore KrisFlyer continues to be a great program for premium cabin redemptions on Singapore Airlines, and all four programs partner with them; there are never transfer bonuses from any of the programs, so transferring from any of the four programs is roughly comparable
  • Virgin Atlantic Flying Club has some phenomenal niche redemptions, especially in conjunction with a transfer bonus


Transfer Amex points to Virgin Atlantic for travel in ANA first class

Where I’m Seeing Less Value Transferring Points

  • Delta SkyMiles used to be a great program, but with increasing restrictions on redeeming miles and higher costs, I’m seeing less value than ever before in these transfers

Best Cards For Earning Amex Points

American Express has lots of great cards, though I’d say the best for earning Membership Rewards points include the following:

Chase Ultimate Rewards

Here are the Chase Ultimate Rewards transfer partners, including 10 airline partners and three hotel partners:

AirlinesHotels
Aer Lingus Aer ClubIHG Rewards Club
Air France/KLM Flying BlueMarriott Bonvoy
British Airways Executive ClubWorld Of Hyatt
Emirates Skywards
Iberia Plus
JetBlue TrueBlue
Singapore KrisFlyer
Southwest Airlines Rapid Rewards
United MileagePlus
Virgin Atlantic Flying Club

Things I Love

  • Chase Ultimate Rewards has the only useful hotel transfer partner of any of the transferable points currencies (that’s to say that transferring points to World of Hyatt is actually a good deal, unlike any of the other hotel transfer options out there)
  • Chase doesn’t charge fees for transferring points to any of their partners
  • Chase lets you transfer points to a member of your household, even if they’re not an authorized user on any of your cards
  • Chase lets you redeem Ultimate Rewards points at an efficient ratio towards a travel purchase (if you have the Sapphire Reserve, points can be redeemed for 1.5 cents each towards the cost of a travel purchase)

Things I Don’t Love

  • Unlike American Express, Capital One, and Citi, Chase almost never has transfer bonuses (they’ve only ever had one); while they partner with Air France/KLM Flying Blue, Virgin Atlantic Flying Club, etc., I would shy away from transferring those points, since historically we’ve sometimes seen transfer bonuses from Amex and Citi to those programs
  • Chase doesn’t have as many transfer partners as some of the other programs; for example, they have 10 airline partners, but three of them overlap (Aer Lingus, British Airways, and Iberia), so really I only view them as having eight airline partners

Where I’m Seeing Value Transferring Points

  • World of Hyatt is probably where I see the most value nowadays, and I’d argue the value in transferring Ultimate Rewards points to World of Hyatt has increased lately, given that award nights now count towards status, and given Hyatt’s acquisition of Alila and more
  • Singapore KrisFlyer continues to be a great program for premium cabin redemptions on Singapore Airlines, and all programs partner with them; there are never transfer bonuses from any of the programs, so transferring from any of the four currencies is roughly comparable

Transfer Chase points to Hyatt for stays at some great hotels

Where I’m Seeing Less Value Transferring Points

  • Given the 1:1 transfer ratio, IHG and Marriott aren’t valuable transfer partners since their points aren’t worth as much
  • Chase lost Korean Air SkyPass as a transfer partner last year, and this is a huge loss, because in my opinion, SkyPass was the single most valuable transfer partner that Chase had
  • United is switching to dynamic award pricing for MileagePlus, so the value of transferring to United has decreased

Best Cards For Earning Chase Points

Chase has lots of great cards, though I’d say the best for earning Ultimate Rewards points include the following:

Citi ThankYou Rewards

Here are the Citi ThankYou transfer partners, which include 15 airline partners:

AirlinesHotels
Aeroméxico Club PremierN/A
Air France/KLM Flying Blue
Avianca Lifemiles
Cathay Pacific Asia Miles
EVA Air Infinity MileageLands
Etihad Guest
Jet Airways JetPrivilege
JetBlue TrueBlue
Malaysia Airlines Enrich
Qantas Frequent Flyer
Qatar Airways Privilege Club
Singapore Airlines KrisFlyer
Thai Airways Royal Orchid Plus
Turkish Airways Miles & Smiles
Virgin Atlantic Flying Club

Things I Love

  • Citi has added more transfer partners than both Amex and Chase in the past couple of years
  • Citi doesn’t charge fees for transferring points to any of their partners
  • Citi lets you transfer up to 100,000 points per year to any ThankYou member; it doesn’t even have to a member of your household
  • Citi offers transfer bonuses with some frequency, which can really help you maximize the value of your points

Things I Don’t Love

  • Citi doesn’t partner with one of the “big three” US airlines; while Citi issues co-brand American Airlines credit cards, you can’t actually convert ThankYou points into American miles

Where I’m Seeing Value Transferring Points

  • Air France/KLM Flying Blue can be useful, and I ideally like to transfer points with a transfer bonus
  • Avianca LifeMiles is a program that has great values for redeeming on Star Alliance carriers; while they don’t always have access to all Star Alliance award space, more often than not I find a lot of value with this program
  • While Cathay Pacific Asia Miles is far from my favorite program, it is the best value program for booking long-haul Cathay Pacific first class awards of any of the partners of the four transfer programs
  • Etihad Guest has some great niche redemptions, and we’ve seen some transfer bonuses in the past
  • Qantas Frequent Flyer is a surprisingly useful program, especially for redemptions on some non-alliance airlines; for example, the best way to book EL AL awards is through Qantas, and they also partner with some airlines that really interest me, like Air Niugini
  • Virgin Atlantic Flying Club has some phenomenal niche redemptions, especially in conjunction with a transfer bonus


Transfer Citi points to LifeMiles for travel in Lufthansa first class

Where I’m Seeing Less Value Transferring Points

  • A lot of Citi’s partners programs are those belonging to great airlines, but where the award redemption value is really limited, like EVA Air Infinity MileageLands, Qatar Privilege Club, and more

Best Cards For Earning Citi Points

Citi has lots of great cards, though I’d say the best for earning ThankYou points include the following:

Capital One

Capital One only created a transferable points currency this past December, so they’re the exciting new entrant into this world. Here are the Capital One transfer partners, which includes 13 airline partners:

AirlinesHotels
Aeromexico Club PremierN/A
Air Canada Aeroplan
Air France/KLM Flying Blue
Avianca LifeMiles
Cathay Pacific Asia Miles
Emirates Skywards
Etihad Guest
EVA Air Infinity MileageLands
Finnair Plus
Hainan Fortune Wings Club
Qantas Frequent Flyer
Qatar Airways Privilege Club
Singapore Airlines KrisFlyer

Things I Love

  • While perhaps minor, Capital One miles post to your account as soon as your purchase posts, rather than when the statement closes (or when the second statement closes)
  • Capital One doesn’t charge fees for transferring points to any of their partners
  • Capital One lets you transfer your Spark or Venture miles to any other cardmember with the same card, making these points easily transferrable
  • Capital One consistently offers transfer bonuses, which is a way to get even more value with your points
  • Capital One miles can also efficiently be redeemed towards the cost of a travel purchase, giving you a lot of flexibility

Things I Don’t Love

  • While Capital One’s transfer program is still new, they lack unique partners; all of their valuable partners are ones that at least one other program have as well
  • Transfers aren’t 1:1, which can make things confusing, but that’s because some of their cards offer 2x miles per dollar spent
  • While their cards are great for everyday spending, I wish they had cards that offered bonus points in certain spending categories

Where I’m Seeing Value Transferring Points

  • I’m happy to see a second program partner with Air Canada Aeroplan, which I consider to be a great program for Star Alliance redemptions
  • Otherwise I’m a fan of Air France/KLM Flying Blue, Avianca LifeMiles, and Etihad Guest; I hope that we see some transfer bonuses for one of these programs
  • Redeeming Venture and Spark miles for one cent each towards the cost of a purchase can make a lot of sense as well

Transfer Capital One miles to Flying Blue for redemptions in KLM business class

Where I’m Seeing Less Value Transferring Points

  • While many Capital One partners have a 2:1.5 transfer ratio, programs like Emirates Skywards and Singapore KrisFlyer have a 2:1 transfer ratio, which isn’t nearly as good

Best Cards For Earning Capital One Points

Capital One has lots of great cards, though I’d say the best for earning Capital One miles include the following:

How Much Are Transferable Points Worth?

The above is my take on the pros and cons of transferable points, but how much is each point actually worth? People often disagree about which transferable points currency is most valuable, and that makes sense, given that we all have different redemption goals.

For example, if you’re a Hyatt loyalist then you’ll no doubt value Ultimate Rewards points a lot, since you can transfer points 1:1.

So, how much do I value these points?

  • I value Amex, Chase, and Citi points at ~1.7 cents each
  • I value Capital One miles at ~1.1 cents each (you earn two Venture/Spark miles per dollar spent, and redemptions aren’t 1:1, which is why the valuation is different)

If I had to prioritize Amex, Chase, and Citi points based on my personal redemption patterns, I’d probably say I value Amex and Citi points slightly more than Chase points. Why?

  • Amex and Citi both offer transfer bonuses with some frequency, which really help you maximize your points
  • Chase lost Korean Air as a transfer partner and now United is devaluing, so Hyatt is their only “unique” partner where there’s a lot of value

It’s interesting, because I feel like Ultimate Rewards had the edge for a long time, but I don’t think that’s the case anymore, and it’s time they add some valuable new partners.

Am I Overvaluing Transferable Points?

Historically I’ve thought that I’ve taken a conservative approach to valuing points. Others value transferable points at two or more cents each, and personally I think that’s aggressive. At the same time, I haven’t lowered my valuation of transferable points in years, and I’m wondering if it’s time?

On the one hand, I feel pretty comfortable with my valuations. While some points currencies have been devalued, we also see quite a few transfer bonuses, which make up for many of those devaluations.

At the same time, we’re now at a point where you can earn 2x transferable points per dollar spent, so it does make me wonder if suggesting you’re getting a 3.4% return isn’t steep?

I guess it depends if you look at points valuation from the perspective of acquisition cost, or from the perspective of realistic redemption value. I’d certainly welcome some opinions on this!

Bottom Line

If you’re trying to maximize the points you earn through credit card spending, I highly recommend accruing transferable points currencies. In addition to these cards often having great bonus categories, having transferable points gives you a lot of flexibility with how you redeem points.

How do you view the relative value of the four transferable points currencies?

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Comments
  1. In my (admittedly limited) experience AMEX transfers to ANA for RTW itineraries are hands down the best thing about AMEX points.

    Second best is transfers to Emirates to use for economy to business class upgrades on their routes between the US and Europe.

  2. One difference worth noting is that Citi is the only program (that I know of) that allows points purchases, which can be helpful to top off a balance.

  3. Thank You has been hugely rewarding for me, followed by Amex. I’ve booked SQ F, LH F/J, EVA J, BA J all with TY…. Lack of AA doesn’t hurt it all in my opinion.

  4. Well, Chase points wouldn’t ever be less than 1.5c as that’s what you can redeem them for when buying a cash ticket. Even at slightly less than your valuation, by using the points to buy an airline ticket, you get the redeemable and elite qualifying miles for the trip which you wouldn’t get by transferring miles and then redeeming them that way. Often come out ahead for economy/premium economy though I wouldn’t do this for business class or above.

  5. Chase I think has the most valuable points. When you go on vacation, you need a plane ticket plus a hotel of some sort. With Citi, you are stuck at a 1.25 cent redemption value through the portal, although you might get some help on the 4th night free promotion. With Amex, you’re not going to get more than 0.8 cents through Mariott transfers. With Chase, you can get upwards of 2 cents through Hyatt or guaranteed 1.5 cents through the portal. That flexibility makes Chase points valuable in my eyes.

    Unfortunately, Chase is the hardest program in which to actually earn points. Amex has 4x and 5x categories. Citi Prestige has 5x categories. Chase does not go above 3x. If there’s a category Chase has a bonus on, Amex and Citi have better bonuses. As such, the primary reason I accrue Chase points is because my business spends almost $1MM per year on PPC, so I max out the Amex Businses Gold 4x bonus on advertising and have to use the Chase Ink Preferred at 3x. Ink Unlimited at 1.5x points is the best business redemption value on everyday spending too. If I didn’t have a business, however, I’m not sure I would use any Chase Cards simply because, while the Chase points are probably more valuable due to their flexibility, it is much easier to earn points with Amex or Citi.

  6. I think there is perhaps room for a “amateur” and “pro” valuation view. While I agree that Chase’s transfer options have really dropped off, the fact that (with the CSR) you can redeem UR points for 1.5 cents fairly easily really does make them a lot more valuable for a lot of people. And on the other end of the spectrum, Citi points can be valuable for someone who knows a lot about this stuff and is willing to invest time in figuring out redemption options, but for the average person their set of transfer partners is pretty daunting to figure out.

    I also understand your longstanding perspective that a transferrable points currency should be wroth more than any one of its individual transfer partners to account for optionality value, but maybe that should be separated from the quoted value of the points themselves? For example I find myself hesitant to transfer UR points to Hyatt if I’m “only” getting 1.5-1.6 cents per point because in theory UR points might be worth more than that, but it’s still a pretty good use of UR points, especially with previous KE and UA value spots fading.

    I agree valuing any of these points at or over 2 cents each is crazy, even though you can nominally get lots of redemption values that technically meet that threshold.

  7. @Lucky
    Am I Overvaluing Transferrable (typo from copy) Points?

    I guess you’re out of school for too long now. Math and English gets harder.
    I’ll help you.
    First create a methodology and apply it to all your calculation.

    perspective of acquisition cost
    This should be easy, cost of getting points. So you need to pay $1 to get UR MR (no other ways of buying it) So cost is one dollar per point for Amex MR.
    The math is ‘paid $’/’points earned’= ‘cost per point $’

    perspective of realistic redemption value
    I will assume this is what you normally redeem it and where different opinion kicks in.
    However, the math is the same ‘redemption value $’/’points’ = ‘valuation $’

    you’re getting a 3.4% return
    Now this is where you get confused.
    % return has nothing to do with perspective of acquisition or redemption it is a percentage.
    Math is ‘redemption value $’/’paid $’ x 100 = ‘% return’

    The only thing that will change from person to person is ‘redemption value $’.
    So no it doesn’t depend on your two perspectives. It just goes down to how you realistically want the ‘redemption value’ to be. And this is where all the fun arguments lie.

    Would you value a last minute SQ SIN-EWR same as booking 5 months out?
    Would you value it at highest price paid, average price paid, or exact same flight cost at time of booking. What about if this flight cost fewer miles but cost more in cash than an alternate flight.
    Now for hotels, would you value cost per night at highest, average, at time of booking.
    Would you measure it per person, per sq. ft., hour stayed in the room, gallon of water used.
    Even free hotel breakfast, do you value at what hotel charges you, what you can get at Denny’s, or flat $0.5 per egg $0.75 per sausage.

    That’s why “First create a methodology and apply it to all your calculation” and it will be your personal valuation.

    Class dismissed.

  8. I would also like to add for readers.

    Don’t get carried away too far by valuations.

    All these blogs and other people’s valuation, it is their valuation not yours. Because you are using your points not them. If you can’t ever transfer UR, (too complicated, too lazy, etc.) and you only use it at 1.5 cents then your valuation should be 1.5 cents.
    Now if you constantly value it below other people means you are not spending it efficiently. Think you buy a soda for $1 while everyone is paying $0.90, you still get your soda. Some people (deal hunters) will never buy soda unless it is $.50. (guess what, these people just double your soda valuation)
    I also like to point out, if you never use your Amex card except to buy ONLY x5 airfare than your acquisition cost for MR is 1/5 of normal or 20 cents per point.
    This will not change the valuation or MR but will change your % return, which would be 5 times the normal return.

    The best method is to keep track of all your historical redemption and assign value to it. That would be a realistic return you are getting from your points.

  9. Another down side of Citi Thank You points that you don’t mention is that you can only transfer points earned from credit card spending. Points earned from having/using their accounts are not eligible to transfer. Frustrating to have a bank of 50k points, but I can only transfer the 5k I’ve earned from spending on the card.

  10. Citi points take longer to transfer to the same programs of AMEX and Chase. That needs to be factored in when you are trying to book something. To me that is a huge devalue to Citi – timing. 1-2x I used Chase or Amex points over Citi because I did not want to wait 5-7 days for a transfer.

  11. It has been my thought for a while that Chase has gotten lazy and complacent with its rewards programs. Chase and AmEx are the ones most of the blogs push, but Chase is pumped more than AmEx. Chase’s transfer partner list is pretty lackluster and its earning potential is objectively worse than AmEx or Citi. Until people start bailing to AmEx and Citi, there’s not much incentive for Chase to innovate.

    The main scenario where Chase is better is for people who don’t want to fool too much with bonus categories. Someone can do pretty well with only a CSR and a CFU. Chase’s travel and dining categories are pretty broad. But outside of rotating categories on the CF and a few 5x categories on the Chase Business side, Chase’s raw points earning potential is irrefutably lower than AmEx or Citi.

  12. @Lucky – I think there’s also an aspect of one’s point valuation that is tied to the rate at which one is earning points. If in a typical year I earn an average of 300k transferable points from organic spend + signup bonuses, I may be more inclined to demand a higher redemption value than someone with a small business who earns 4MM transferable points/yr. It’s very feasible to redeem only for 2cpp or higher when you only need to redeem 300k over the course of a year, but that return becomes much more difficult when you’re trying to spend ten or twelve times that (or more).

  13. @Mjolnir22

    Good, melt away and vaporized. I don’t want to be bothered when I using the hot tub on my private A380 carrying 5 people and enough steak for 200 people. Did I mention we used plastic plates and straws around the pool for safely.
    Oh and to save carbon emission from producing clothing, we decided to remain naked during the entire flight. Don’t say we don’t hug trees. 🙂

  14. Frustrating thing about Amex is the way they code for “restaurant” versus a cafe, bar, coffee shop, etc. It’s always annoying to use the Amex Gold expecting 4x points because the place where you had lunch (with a menu, waiter, table service) is coded as a “cafe” and but the actual cafe down the street gets 4x because they happen to use another merchant code. Half the time I’m left guessing so I often end up using the Sapphire since their “dining” category is so broad.

  15. I think it’s also important to consider the annual fees of having a balanced card portfolio to maximize which ever currency you choose. Chase clearly wins this category at least between the big 3. SR+FU+Freedom is only $450 of which any novice would automatically get back $300. Citi Prestige+Premier+DC would be $590 of which you only get back $250. AMEX Plat+Gold+EDP = $895. Potentially you could get back $720, but there’s so many hoops you have to jump through to get back the 5 different credits, some of which I wouldn’t even value near 100%, that I doubt most people end up getting nearly that much back For a big spender of course this may average out, but for a more average spender, it’s something to factor into the value equation.

  16. I agree that Chase points are essentially Hyatt points now. That limits the maximum potential of Chase points, but it also means they’re incredibly easy to use, much less sensitive to dates and peak travel restrictions, and it’s incredibly easy to get $.02 per mile. I agree with the commenter above that for many, Chase is the easiest, best option, just not for premium cabin international travel that so many are looking for.

  17. Out of the three, I use my Amex MR points the most. Yes, as Mark stated, the Amex annual fees are $$$, but for my spending habits, the Amex Offers given throughout the year more than makes up for it.

  18. I’d also add for the Citi TY as “I don’t love”:

    1) Transferred points have a 60-day expiration
    2) If you downgrade your card, DP are all over the place as to whether the points expire or not.
    3) Combined points can be a PITA (ie, each TY card you have gets a diff. account # internally, so they have different expiration dates).

  19. @mjonis Citi should be able to combine those into a single account for you. I had the same issue when I opened my Premier, but they resolved it and it’s now a seamless, single TY account.

  20. @MattR totally agree about Hyatt and Chase. Booked a Hyatt Place that was $200 cash or 8,000 points. Did Andaz Amsterdam this summer at 25k or about $650 per night. Even got 10% rebate on points through Hyatt promo. Pretty easy to get $.02 redemption.

  21. I collect all four but perhaps I’m not as negative on Chase than others for two reasons. First, I’ve gotten good value with UR transferring to United and then flying partner airlines in J and maximizing the Excursion Perk (which saves me a lot of miles on the middle leg). In theory, partner airline awards that don’t include a United-flown leg are not being devalued, but we shall see. Second, our family of 5 enjoys those fairly reasonably priced chain restaurants on the MileagePlus X app that are basically everywhere in the USA, and with a Chase Sapphire Reserve and a United Explorer card I can easily get 9.25x, which is hard to beat (5 from MileagePlus X plus 1.25 for having a United card plus 3 for Sapphire Reserve). That can add up fast.

  22. @Lucky

    You used to include SPG in the transferable currency group

    Although Marriott has taken over, they seem to have kept the SPG transfer partners and for me it is essentially unchanged. I use them a lot to transfer to Aeroplan

  23. The most valuable points are the ones that let me complete my travel plans when I need them, so usability is the ultimate valuation for me. I have Chase, AMEX, and Citi points and so far Chase has been the one that has fit my needs so far, making them the most valuable. Part of that is the ease of transfer and use. I will definitely keep an eye out for how I can fit AMEX and Citi points in to the picture as well, but it hasn’t happened yet.

  24. Give credit where it is due. Lucky really knows his stuff. I can’t even wrap my head around all these different credit currencies and what they can do.

  25. The problem with Citi ThankYou points is if they decide as they did with me to cancel my Citi Prestige card for no stated reason, you lose all Thankyou Points. I lost 129,000 plus the $550 membership when the arrogant, corrupt s–ts canceled my card and refused to even discuss a reason for it.

    So I sued them in small claims court and a day before the suit was to go to court they settled by paying for court costs, my time, the membership fee and the points. They told me if I accepted the settlement I’d have to accept a non-disclosure clause too. I refused but they came to their senses and settled without it. More people need to bring legal suit against these corrupt s–ts!

  26. Value is subjective and based on your patience and flexibility in traveling. I only redeem points for exceptional value, so my average redemption rate is close to 8.5. Before the SPG/Marriott award merger, I had a redemption at about 15 through converting SPG to Marriott and then using flights+nights to book JAL F. I will not redeem in most programs for less than 3.5 or 4.

  27. @Matt

    Thanks about the combining TY points, however, according to my reading on Flyertalk, even though they’re in one account, the original expiration dates are still maintained internally and Citi’s crappy IT system “knows” which points are in which bucket, but you do not.

    From my reading (although perhaps I’m interpreting things wrong), Citi’s system is nowhere like Chase’s UR where it really, truly is lumped into one system/account.

    Supposedly if you had a TY Premiere with 50k points and a Citi Prestige with 40k points, and you combine the two (let’s say you combine to the Prestige) and then close the Premier card, your new 110k points has 50k with a 60-day expiration or something similar.

  28. Which hotel programmes allow transfers to Lufthansa or Miles and More? Hyatt, Marriott, IHG all seem to allow transfers to most major airline programmes … except M&M.

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