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2. Transfer to United at a rate of 1:1 to use on codeshare partners Lufthansa and Singapore Airlines. Transfer to British Airways at a rate of 1:1 to redeem on shorthaul flights, which uses distance of the flights to calculate how many points are needed (650 miles or under are only 4,500 Avios each way in economy). Transfer to Hyatt at a rate of 1:1, where you can get a top tier hotel for 22,000 Category 6 points. 3. With every 20,000 Starpoints transferred within the same transaction, get 5,000 bonus points. Starpoints are useful for transfers to Alaska, American Airlines, JAL and US Airways both at a rate of 1:1 as since don't have other transfer partners. Cash & Points program lets to you redeem for free nights with a combination of money and points to get room upgrades and suites. Room redemptions count towards elite status- SPG Platinum is my #1 hotel loyalty program 4. Examples: American Express: Delta and Starwood Chase: United MileagePlus Explorer and Hyatt Visa Citi: American AAdvantage cards, Hilton Reserve 5. Amex Premier Rewards Gold: 3x airfare, 2x gas and groceries Amex Business Gold Rewards: 3x airfare, 2x advertising, gas, shipping, computer services Amex Blue Cash Preferred: 6x groceries up to $6,000, 3x gas and department storesAmex Blue Cash Rewards: 3x groceries up to $6,000, 2x gas and department stores Chase Ink Plus: 5x office supplies, phone and cable services, 2x gas and dining Chase Ink Bold: 5x office supplies, phone and cable services, 2x gas and lodging Chase Sapphire Preferred: 2x travel and dining Chase Freedom: 5x rotating categories Capital One Venture: 2x on everything Capital One Cash Rewards for Newcomers: 2x on travel Citi Forward: 5x on restaurants, books, movies, music Citi ThankYou Preferred: 2x dining and entertainment