Moving points, safely.
Transfers between programs, conversion ratios, and when a bonus is worth taking.
Moving points is one-way and usually irreversible, so the ratio matters more than the destination. Amex Membership Rewards transfer to Avios at 1:1; Nectar and Avios convert in fixed, deliberately asymmetric blocks. Transfer only against a redemption you have already priced, and wait for a bonus where one is likely.
Transfers are where a flexible card currency becomes an airline seat or a hotel night, and they only run one way. These guides list every transfer partner for Amex Membership Rewards, Chase Ultimate Rewards, Capital One, Citi ThankYou, Bilt and Rove, with each ratio taken from the issuer's own published list.
Most airline partners convert at 1:1. The hotel ratios vary far more, so check them before assuming a transfer is a good deal. The comparisons set two currencies side by side when you are choosing which one to build, and the Nectar calculator shows what the fixed-block conversion to Avios actually returns. The rule throughout: price the redemption first, then transfer exactly what it needs.
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