Sally French

So sometimes it's actually cheaper to book a United Airlines flight with 20,000 Air Canada points in this example versus it could be 35,000 United miles if you booked that same exact flight through United.

So sometimes it's actually cheaper to book a United Airlines flight with 20,000 Air Canada points in this example versus it could be 35,000 United miles if you booked that same exact flight through United.

So sometimes it's actually cheaper to book a United Airlines flight with 20,000 Air Canada points in this example versus it could be 35,000 United miles if you booked that same exact flight through United.

I know, like how croissants in France are two euros, and then I feel like in the U.S. I'm paying six dollars for a croissant.

I know, like how croissants in France are two euros, and then I feel like in the U.S. I'm paying six dollars for a croissant.

I know, like how croissants in France are two euros, and then I feel like in the U.S. I'm paying six dollars for a croissant.

Beautiful. Why would you spend six points on a croissant when you could transfer your points to a loyalty program and spend two points on the croissant? I'd take the two-point croissant any day. Right. So just to be clear, croissants are not real redemptions for the big bank points programs.

Beautiful. Why would you spend six points on a croissant when you could transfer your points to a loyalty program and spend two points on the croissant? I'd take the two-point croissant any day. Right. So just to be clear, croissants are not real redemptions for the big bank points programs.

Beautiful. Why would you spend six points on a croissant when you could transfer your points to a loyalty program and spend two points on the croissant? I'd take the two-point croissant any day. Right. So just to be clear, croissants are not real redemptions for the big bank points programs.

I know. Listeners out there, you have to go back to our episode about flight delays and cancellations to hear more about Megan's obsession with Starbucks rewards. Now, Megan, you said that there are no fees for converting your points, and that is true, but it is not always a one-to-one ratio.

I know. Listeners out there, you have to go back to our episode about flight delays and cancellations to hear more about Megan's obsession with Starbucks rewards. Now, Megan, you said that there are no fees for converting your points, and that is true, but it is not always a one-to-one ratio.

I know. Listeners out there, you have to go back to our episode about flight delays and cancellations to hear more about Megan's obsession with Starbucks rewards. Now, Megan, you said that there are no fees for converting your points, and that is true, but it is not always a one-to-one ratio.

So a one-to-one transfer ratio basically just means that you're turning 50,000 credit card points into 50,000 airline miles or... whatever amount of points you want to convert. This is if you choose to move them to a certain airline or hotel. Of course, many airline and hotel partners have their own transfer ratios.

So a one-to-one transfer ratio basically just means that you're turning 50,000 credit card points into 50,000 airline miles or... whatever amount of points you want to convert. This is if you choose to move them to a certain airline or hotel. Of course, many airline and hotel partners have their own transfer ratios.

So a one-to-one transfer ratio basically just means that you're turning 50,000 credit card points into 50,000 airline miles or... whatever amount of points you want to convert. This is if you choose to move them to a certain airline or hotel. Of course, many airline and hotel partners have their own transfer ratios.

Yo, you are teetering on getting robbed if you go this route. So only do this in very rare cases, like maybe you found some really great deal on points.

Yo, you are teetering on getting robbed if you go this route. So only do this in very rare cases, like maybe you found some really great deal on points.

Yo, you are teetering on getting robbed if you go this route. So only do this in very rare cases, like maybe you found some really great deal on points.

Let's just recap. The first reason you might want to transfer miles is if you can get a better value. So usually better than one cent per point if you redeem your points through a transfer partner's loyalty program instead of your credit card's travel portal.

Let's just recap. The first reason you might want to transfer miles is if you can get a better value. So usually better than one cent per point if you redeem your points through a transfer partner's loyalty program instead of your credit card's travel portal.