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Million Mile Secrets reader Joyce emails:
My husband traveled for his job so we always had miles and points to work with. He is retired now so I am the person looking for the least expensive options for traveling on our dime. Your posts are extremely helpful and I love investigating all of the options for accumulating miles and points.
My question is: Can I transfer American Express Membership Rewards points to my Starwood Preferred Guest account? And then transfer those same points from Starwood Preferred Guest to an airline with the 25% bonus (I know I will need to transfer in 20,000 point increments)?
Yes. Joyce can transfer American Express Membership Rewards points to Starwood and then to airline partners. She’ll get a bonus 5,000 miles for every 20,000 AMEX points she transfers.
But it’s NOT the best use of her points!
This Isn’t a Good Deal
Link: Starwood Preferred Guest
Starwood points are valuable because when you transfer 20,000 Starwood points to airlines, they’ll give you a 5,000 mile bonus. So 20,000 Starwood points become 25,000 airline miles.
But transferring American Express Membership Rewards points to Starwood, and then to airline partners is a bad deal. That’s because the transfer ratio between AMEX points and Starwood points is very poor.
For every 1,000 American Express Membership Rewards points you transfer, you’ll only get 333 Starwood points. So the transfer ratio is ~3:1.
To get 20,000 Starwood points (and earn the 5,000 mile bonus when you transfer them to airline partners), you’d have to transfer 61,000 American Express Membership Rewards points!
It’s NOT worth it to earn a 5,000 mile bonus. Even though American Express occasionally has transfer bonuses to Starwood Preferred Guest, it’s still not a good deal.
Instead, Joyce should consider transferring her American Express Membership Rewards points directly to an AMEX airline partner, like Delta, Air Canada, or British Airways. AMEX points transfer at a 1:1 ratio to these airline partners, so 25,000 points = 25,000 miles.
Even though Starwood has more airline partners than American Express, Joyce still has lots of award ticket options if she transfers her American Express Membership Rewards points directly to an airline partner.
That’s because American Express Membership Rewards points transfer to all 3 major airline alliances. For example:
- Transfer AMEX points to Delta – use miles for award tickets on SkyTeam airlines
- Transfer AMEX points to Air Canada or Singapore Airlines – use miles for award tickets on Star Alliance airlines such as United Airlines
- Transfer AMEX points to British Airways – use miles for award tickets on oneworld airlines such as American Airlines
And there are lots of cards that earn American Express Membership Rewards points!
|Personal Cards||Business Cards|
|Premier Rewards Gold Card From American Express||The Business Gold Rewards Card from American Express OPEN|
|American Express® Mercedes-Benz Platinum||The Blue for Business® Credit Card from American Express|
|The Platinum Card® from American Express||The Business Platinum® Card from American Express OPEN|
|AMEX EveryDay® Credit Card from American Express||Business Green Rewards Card from American Express OPEN|
|AMEX EveryDay® Preferred Credit Card from American Express|
|American Express® Gold Card|
|American Express® Green Card|
|Blue from American Express® Note: These are the ONLY AMEX cards that earn Membership Rewards points that can NOT be transferred to airline & hotel programs. But you can use these points on the Membership Rewards website for other redemptions. Includes personal AND small business versions of the card.|
You can read my post on all the ways to use American Express Membership Rewards points to get to Europe for ideas on how to get the most out of your AMEX points!
You can transfer American Express Membership Rewards points to Starwood Preferred Guest. And from there, transfer your Starwood points to airline partners.
But this is NOT a good idea! Even though you get a 5,000 mile bonus when you transfer 20,000 Starwood points to airline partners, you’d need 61,000 American Express Membership Rewards points to get 20,000 Starwood points.
That’s a very bad transfer ratio and not a good value at all!
Instead, it’s better to transfer American Express Membership Rewards points directly to airline partners at a 1:1 ratio.
Thanks for the question, Joyce, and safe travels!
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