POINTS VALUE CALCULATOROPTIMIZATION ASSESSMENTTRANSFER PARTNER FINDERCARD MATCH QUIZNO SIGNUP

File Nº 09 — United Kingdom Tools

Work out what your points are actually worth.

No signup, no email gate, nothing stored. Put in a balance and a programme and you get a range — conservative, typical, optimal — rather than one confident number, because that is the honest shape of the answer.

*every figure on this page is quoted in GBP and priced from the valuations we publish — where we have no valuation, the tool says so instead of guessing.

3
GBP programmes valued: 7
Countries

The index

4 tools on file

Each one runs in the browser. Nothing is stored, nothing is emailed, and no result is gated behind an address.

i.Tool
Points Value Calculator
Pick a loyalty programme, enter a balance, and see what it is worth across conservative, typical, and optimal redemptions — quoted in that programme's own currency, and marked as a published rate or our estimate.
Open ↓
ii.Tool
Points Optimization Assessment
Set your monthly spending and see what a card would add over a flat 1× card in each category where we hold an earn rate quoted from the issuer's own page — every rate linked to its source.
Open ↓
iii.Tool
Transfer Partner Finder
Search an airline or hotel, enter a balance, and see which loyalty programmes move points to it, what the balance becomes, and how long it takes.
Open ↓

iv.Tool · its own page

Card Match Quiz

Four questions about your spending, goals, and credit, then a full ranking of the cards on file scored by estimated first-year value.

Take the quiz

Tool i — Calculator

What is a point actually worth?

Pick a programme, enter a balance, and read the three figures. Each one is quoted in that programme's own currency, and the rate behind it is on the same line.

10,000 Avios (British Airways) points

Avios (British Airways) valuations in GBP
Redemption	Rate	Worth (GBP)
ConservativeCash back, gift cards	0.6p	£60
TypicalStandard travel redemption	1p	£100
OptimalBest redemption	2.5p	£250

Editorial estimate. Avios (British Airways) publishes no fixed value for its points, and we hold no source for these rates — they are our judgement, in p per point. Treat the range, not any one figure, as the answer.

Editorial notes — not checked against Avios (British Airways)

Best uses

Short-haul Europe flights
Off-peak domestic UK
Oneworld partner business class

Worst uses

Peak pricing on BA
Non-flight redemptions

Tool ii — Assessment

The gap between a flat card and the best rates.

Set your monthly spending. The headline number and the table beneath it come from one calculation, so they agree by construction.

No verified earn rates yet

We have not yet checked a single category earn rate for United Kingdom against an issuer’s own page, so this assessment has nothing honest to compare. It used to show a table of “best published rates” here; the ones we could check were wrong, so it is gone until each rate carries its source.

Tool iii — Transfers

Which programmes reach the airline you want?

Search a partner to see every route we hold into it, the ratio, and how long the transfer takes.

Search an airline or hotel

Points to move

17 routes across 17 partners

Accor

ALL - Accor Live Limitlesshotel1 route

Transfer routes into Accor
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (UK)Source	3:1	Not on file	300	Instant

Air France-KLM

Flying Blueairline1 route

Transfer routes into Air France-KLM
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (UK)Source	1:1	Not on file	500	4 working days

British Airways

The British Airways Club (Avios)airline1 route

Transfer routes into British Airways
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (UK)Source	1:1	Not on file	1,000	Instant

Cathay Pacific

Asia Milesairline1 route

Transfer routes into Cathay Pacific
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (UK)Source	1:1	Not on file	1,000	3 working days

Delta Air Lines

SkyMilesairline1 route

Transfer routes into Delta Air Lines
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (UK)Source	1,000:1,000	Not on file	1,000	up to 30 minutes

Emirates

Emirates Skywardsairline1 route

Transfer routes into Emirates
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (UK)Source	2:1	Not on file	1,000	2 working days

Eurostar

Club Eurostarother1 route

Transfer routes into Eurostar
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (UK)Source	1,500:100	Not on file	1,500	5 working days

Hilton

Hilton Honorshotel1 route

Transfer routes into Hilton
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (UK)Source	1:2	Not on file	200	5 working days

Iberia

Iberia Club (Avios)airline1 route

Transfer routes into Iberia
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (UK)Source	1:1	Not on file	1,000	4 working days

Marriott

Marriott Bonvoyhotel1 route

Transfer routes into Marriott
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (UK)Source	2:3	Not on file	400	Up to 1 Business Day*

Nectar

other1 route

Transfer routes into Nectar
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (UK)Source	1:1	Not on file	1	4 working days

Qantas

Qantas Frequent Flyerairline1 route

Transfer routes into Qantas
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (UK)Source	1:1	Not on file	500	3 business days

Qatar Airways

Privilege Club (Avios)airline1 route

Transfer routes into Qatar Airways
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (UK)Source	1:1	Not on file	500	Up to 48 Hours

Radisson

Radisson Rewardshotel1 route

Transfer routes into Radisson
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (UK)Source	1:3	Not on file	3	10 working days

SAS

EuroBonusairline1 route

Transfer routes into SAS
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (UK)Source	1:1	Not on file	1,000	5 working days

Singapore Airlines

KrisFlyerairline1 route

Transfer routes into Singapore Airlines
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (UK)Source	3:2	Not on file	900	15 working days

Virgin Atlantic

Flying Clubairline1 route

Transfer routes into Virgin Atlantic
From	Ratio	Bonus	Minimum	Takes
American Express Membership Rewards (UK)Source	1:1	Not on file	1,000	Instant

Ratios, bonuses, minimums and times as recorded in our partner table — follow “Source” to check a route against the programme, which can change it without notice. “Becomes” applies the ratio and any recorded bonus, rounded down; it does not know a programme’s transfer increments. Transfers are one-way and cannot be reversed, so confirm the award you want before you move anything.

Questions

About these numbers

Where do the point valuations come from?

For every programme on this page, the figures are our own editorial estimates: we have not quoted them from any programme's page, we hold no source for them, and the calculator labels every one as an estimate. We give a conservative, a typical and an optimal figure because what a point is worth depends on how you redeem it — treat the range, not any one figure, as the answer.

What happens when a figure is not published?

The tools say so instead of filling the gap. In the calculator, a tier the programme's page does not state reads "Not published" — it is never shown as zero or borrowed from the tier beside it. In the assessment, a category with no verified earn rate counts for nothing and is labelled as such, and if no category can be priced the result reads "Not available". A blank is more useful than a number we cannot stand behind.

What does the Points Assessment actually measure?

Nothing yet, for this country. The assessment only prices a spending category where we hold an earn rate quoted from a card issuer's own product page, and we have not verified one here yet — so it shows no figure rather than an unsourced one.

Why is a programme priced in a different currency to my page?

Marriott Bonvoy is valued in USD, not in GBP. Where that happens the calculator says so and quotes the figure in USD, and the Points Assessment leaves it unpriced. We do not convert it, because we publish no exchange rate and inventing one would make the number look more precise than it is.

How does the Transfer Partner Finder work?

Search an airline, a hotel or the programme you hold, and it lists every route we have a record of, with the transfer ratio, how long the transfer takes, any minimum transfer, and a link to the page the route can be checked on. Enter a balance and it shows what that balance becomes on each route, rounded down, because programmes do not credit part of a point; it does not model transfer increments. Where we hold no ratio or timing for a route, the cell says "Not on file" rather than guessing. Transfers are one-way and cannot be reversed, so check the award you want before you move anything.

Do you store anything I enter?

No. Every tool on this page runs entirely in your browser. Nothing you type is sent to a server, no result is emailed, and no address is collected.