Michael Martinez Finance
Points Valuation + Transfer Partner Toolkit
Every transfer partner, ratio, and speed for 6 major programs. Plus a CPP calculator to check if a transfer is worth it.
| Airline / Program |  Chase UR |  Amex MR |  Capital One |  Citi TY |  Bilt |  Wells Fargo |
|---|
| Hotel / Program | Chase UR | Amex MR | Capital One | Citi TY | Bilt | Wells Fargo |
|---|
Cents Per Point
1.87
ABOVE TARGET
Above 1.5 cpp = solid transfer. Below 1.5 = consider cash or portal.
The MMF Transfer Rule
Transfer your points ONLY if you can get 1.5+ cents per point in value. Below 1.5, use cash or your card’s travel portal instead.
How to Check if a Transfer Is Worth It
- Find the flight or hotel. Note the cash price.
- Check the award price in the loyalty program.
- Open the CPP Calculator tab. Enter cash price, taxes, and points required.
- 1.5+ cpp = worth it. Below 1.5 = pay cash or use the portal.
Top MMF Transfer Plays
1. Delta via Virgin Atlantic
Chase UR or Bilt > Virgin Atlantic. Delta One to Europe: ~50K one-way vs 200K+ SkyMiles.
2. Hyatt Hotels
Chase UR or Bilt > World of Hyatt. Cat 4-7 regularly clear 2.0+ cpp.
3. AA Short-Haul via British Airways
Any program > BA Avios. Under 1,151 miles on AA = 7,500 Avios one-way.
4. ANA First/Business
Amex MR > ANA Mileage Club. Best use of MR. Round-trip only.
5. Star Alliance via Turkish
Citi TY or Cap One > Turkish. Lufthansa Business ~60K one-way.
Important
- Transfer ratios and availability change without notice.
- Verified April 2026 against Daily Drop and issuer websites.
- Transfers are usually irreversible. Confirm before transferring.