The 6 WORST Amex Transfer Partners (Avoid These!)
ฝัง
- เผยแพร่เมื่อ 19 ม.ค. 2025
- Amex transfer partners can be a GREAT way to redeem Amex points, BUT some transfer partners often lead to BAD VALUE. Learn which ones you should avoid (and why). Click “Show More” to see Ad Disclosure, links, and additional information below.
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🎬 VIDEO: Beginner’s Guide to Transfer Partners for BIG VALUE (Amex, Chase, Citi, Capital One Credit Cards)
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VALUE OF AMEX POINTS | What Are Amex Points Worth?
1. In general and on average, Amex points are worth 1.7¢ per point when using Amex transfer partners (example: 10,000 points = $170). However, these types of redemptions are normally achieved with international airlines in a premium cabin during a long-haul flight.
2. For hotels, car rentals, cruises & vacations booked through the Amex Travel Portal, Amex points are worth a flat rate of 0.7¢ per point (example: 10,000 points = $70).
3. For flights booked through the Amex Travel Portal and for luxury hotels booked through the Amex Fine Hotels and Resorts program, Amex points are worth a flat rate of 1.0¢ per point (example: 10,000 points = $100).
For the purposes of this video, we’ll use 1 Amex Point = 1.7¢ for comparison to other programs.
The 6 Amex Transfer Partners you should likely AVOID are as follows…
1. Hilton Honors (1:2) - Hilton Honors points are worth 0.5¢ on average and the program also has dynamic pricing.
2. Marriott Bonvoy (1:1) - Marriott Bonvoy points are worth 0.7¢ on average and the program also has dynamic pricing.
3. Choice Privileges (1:1) - Choice Privileges points are worth 0.6¢ on average.
4. JetBlue True Blue (1:1) - JetBlue points are worth 1.3¢ on average and the program also has 2 major limiting factors that prevent you from getting big, outsized value: (a) It’s a revenue-based rewards program (b) It’s a U.S. airline subject to the Amex Excise Tax Offset Fee.
5. Delta Air Lines (1:1) - Delta SkyMiles are worth 1.1¢ on average. The program is also subject to dynamic pricing and it’s a U.S. airline subject to the Amex Excise Tax Offset Fee.
6. Hawaiian Airlines (1:1) - Hawaiian miles are worth 1.0¢ on average. The loyalty program is semi-dynamic in that it has region-based redemption ranges that can vary by demand and fare class. Again, it’s a U.S. airline subject to the Amex Excise Tax Offset Fee.
EXCEPTIONS
1. You’ve done the math & it makes sense.
2. You need to ‘top off’ your balance in another program.
3. A limited-time transfer bonus is available (and you’ve done the math & it makes sense).
4. You’re transferring Amex points into miles on Airline A at a loss / breakeven / gain, and then will use those miles to fly on partner Airline B at a GAIN compared to the average Amex point value.
AMEX CREDIT CARDS WITH TRANSFER PARTNERS (Hint: if they earn Amex Membership Rewards points, then they have access to Amex transfer partners)
Amex Centurion Card | Amex Black Card (plus the business versions)
Amex Platinum Card (plus the business version)
Amex Gold Card (plus the business version)
Amex Green Card (plus the business version)
Amex Everyday Preferred Card
Amex Everyday Card
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Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.
#americanexpress #amexcreditcards #amexpoints
✈👉 *TYPO:* At 6:13 the transfer ratio for JetBlue should be 250:200. This makes JetBlue transfers even less appealing (and the conclusion remains the same: don't transfer in most situations) 😁✌ Thanks to viewer Raul for catching this mistake.
This was a great introduction to the points and miles game with Amex. And the fun part is it goes so much deeper too! This is something I’m hoping to cover in the near future on my channel as well, so thanks for setting such a great example for a complex topic!
You bet man! 💯
Man, this stuff gets deep. 😳
I guess I need to watch 1000 more videos on best transfer partners and redemptions. 😂
Great vid, thanks. 💯
Who was surprised at the Marriott Bonvoy redemption at *2.5¢ per point?* 😬🔥
So what makes these transferrable point cards better than a cobranded hotel/airline card if an Amex point is valued so much higher than a Marriott or Hilton point?
@@nickevans4273 - Co-branded cards lock you into 1 program for earning & redeeming. Transferrable point cards allow you to earn rewards that can be converted to a variety of other programs. In other words, it's basically the difference of being able to earn & redeem with 1 brand or dozens of brands (including the flexibility to redeem on any airline, any hotel, any rental car, etc. that's available).
@@MarkReese I definitely understand that! It just stinks that a lot of the typical transfer partners for people (Marriott, Hilton, etc.) seem to not be the right choice when transferring.
@@nickevans4273 - Correct, those tend to provide the lowest point values when compared to what you can get from some of the international airline partners. However, it doesn't have to be about getting the biggest / best value in the world on every redemption. Sometimes simply not paying cash & having a great trip is enough.
@@MarkReese great point! I’m sure most of us would probably fall into that category- doing what is best for us, even if it’s not the “best” redemption value. Thanks for clearing that all up. Looking to apply for either CSP (80k offer) or United Explorer (60k offer) soon, but just trying to figure out which one is better for me.
Recently traveled to Palm Springs from Phoenix. The cost of flying American and staying at the Kimpton was higher than transferring points out to Qantas and then to American . Also, booking direct with Kimpton was lower with a better room than going with Amex Fine Hotels program. The cost was still higher even with the $200 hotel credit. The best transfer deal I've experienced so far was transferring to airlines only. I had to xfer to Qantas because Amex doesn't have AA as a partner BUT you can xfer to an international air lines and then transfer to a domestic airlines.
Great that you're doing the research to figure out your redemptions! 😃
Marky boy,.. great video. I personally only transfer when transfer Bonus are available and mainly Marriott and Hilton. Also, I think JetBlue transfer ratio is 1:80. Cheers 🍻.
Smart to wait until the transfer bonuses occur 👍
just did my first transfer of points from Amex to Delta (first time flying Delta as well) for a trip to Miami. like 1.3/point which is definitely not great but wanted a "free" flight. No one ever seems to mention in videos on here about credit cards that they charge a transfer fee. then had to wait hours for points to show up after transfer and by that time the price had gone up and had to transfer another 4,000 points over. Delta also charges extra for some seats, refunding for cancelations, and checked bags (no wonder I love Southwest so much!). My free flight cost me $105 but I guess better than the $640 it would have cost me.
1. Congrats & well done!
2. The transfer fee is only for Amex points going out to a U.S. airline.
3. The wait times for transfers can vary based on the airline.
Yeah I learned a lesson after transferring some points to US airlines and getting charged tax and the points ain’t worth it but thankfully just a little bit. But the best transfers are international airlines such as British airways, Emirates, Singapore, or avois and Flying Blue👍
You got that right! ✈️
Don't forget ANA!
@@druiz012 oh yeah you’re right I forgot about that👍
I still need to learn how to book international flight using MR points. I was reading that it will take 24-48 hours before you can transfer points to other airline. I wonder if you can make reservations while waiting for the points???
@@ritacristobal1285 some airlines transfers are instant like Aeroplan... ANA takes about 48 hours but allow you to put awards on hold for 72 hours. Booking award flights (at a great value) isn't easy but it is very worth it imo...
Man - you just pointed out how badly I've been losing out over the years with my MR pts usage😪. Thanks for the great video!
Glad it was educational! 😁
I appreciate the information mark but I have to disagree with you on Delta, if you look for a flight 2-3 months in advance you’ll find good redemption value most of the time, I’ve never redeemed SkyMiles for less than 1.54 cents per mile.
Right on, 1.54¢ for Delta is great! ✈️
Mark,
You've done it again! Wow! Another killer video! The skill for “transfer partners” is the core benefit of points/miles games and if you screw up on transferring points part, all efforts of collecting points will be wasted! No one has patience and put great effort to explain step-by-step demonstrating for a newbie like me! Other top bloggers are talking too fast and just flashing the concepts and done with it! But you're very patient and thorough analysis for higher learning curbs! Job well done and very thankful for viewing your channel!
Thanks YJ! Glad to hear the presentation format is easy to follow 😃✈️
Great video!!! Learning so much!!
Thanks, glad to hear it, CJ!
Thanks for the review. Your graphics are always well laid out and easy to follow. I just got Plat card and haven’t redeemed points yet, so this is very helpful. I need to get busy using the Plat card hotel and airline credits because they expire at 12/31?
Congrats on getting the Platinum Card, Paul! Correct, those credits expire on 12/31 each year.
Great info. Hawaiian airlines has a card by Barclays. I was wondering if Amex was the better choice
Thanks! The Hawaiian Airlines World Elite Mastercard usually only makes sense for the welcome bonus and the ongoing benefits (e.g. free bags, companion pass) ... not so much for earning miles for travel.
Thank you for this informative video. Keep the great content coming.
You bet!
Where do I go for Amex pre approval business credit card?
I'm not aware of any pre-approval tools for Amex business cards.
Great point with the hotels (no pun intended). It appears that Hyatt points are usually better value than these other groups.
Hyatt points = the #1 most valuable hotel currency I'm aware of 🏆
Hey Mark
Nice video.
U should do a video about rental car insurance by credit cards. Like do they cover both parties or just the rental car if u at fault
Thanks for the suggestion, Robby!
Love the Amex tips!!!
Glad to hear it!
Please a video about how the airline alliance works especially American since they don’t have any transfer partners from any major banks
Thanks for the video suggestion!
Can you please make a video on using points on transfer partners. That's the one thing I'm not too sure how to do.
What I was referring too was your exception number 4. In this video.
Referring to using transfer points with star alliance airline
Perhaps at some point!
This is a great blog very informative and something to keep in mind I’ve notice you did not include the Ritz Carlton does it work the same as with Hilton points thanks the airlines bit isn’t that important for me as I hardly fly nationally when I do I use JetBlue and for international long haul flights I use Ethihad to London
Hi Walter - what do you mean about not including Ritz-Carlton?
@@MarkReese specifically the transfer points value is it equal to what I would get at Hilton hotels if I were to transfer them to a Ritz Carlton property
@@waltervila33 - I'm not following. You cannot use Hilton points at a Ritz-Carlton property.
@@MarkReese no worries mate I’ll try it soon enough
Could you possibly make a video on how to use transfer partners such as British airways to book Alaskan airlines flights?
Perhaps at some point!
I would love a video for chase! Great information thanks!
Thanks for the suggestion, Alexander!
Your videos are always very detailed and helpful.
Glad you like them!
What would you recommend to an airline employee who can standby travel anywhere though… to give you a specific, I work Delta and am about to get the platinum to have access to my club the most economical way. Not really sure what to do with AMEX points though other than hotels…
If you don't need to pay for your flights, then have you considered getting the Schwab Platinum Card instead? That would allow you to redeem your points for cash at a rate of 1.10¢ each.
@@MarkReese I certainly have. I plan to rack up the vanilla platinum bonus first and after two years of seeing how much my relationship with Hilton pans out from travel, I am still going to switch to the Schwab and get that bonus, but either keep transferring to Hilton (1:2 isn’t god awful for Hilton imo since you can eek out a little better that .5 a point if you are patient and flexible) or as you say, brokerage it up with Schwab. Anyways, def subscribed, I’ll be on the lookout for the more unusual yet lucrative redemptions out there, if they exist.
Would really love to see portal redemption comparison of amex vs chase
Chase (1.25¢) would beat Amex (0.7¢ - 1.0¢) in every situation I can think of 😄
I recently got 1.9cpp for Hilton points and with the 1:2 ratio with Amex, the MR points were worth 3.8cpp under this. Crazy deal and it was a Waldorf Astoria. Cheap hotels have way worse raitos.
Heck yeah, that's an insane Hilton redemption! Well done! 🔥🏆
How?
Kind of feel like Hilton should be rated at 1CPP because of the 1:2 transfer ratio. 20,000 Hilton points = $100 (.5CPP) but you only sent 10,000 MR points so 10,000 points = $100 (1CPP). Still not a good redemption but I still think you need to factor it this way.
I see what you mean, and that's a valid perspective. However, I cannot do that. The moment I start claiming Hilton points = 1.0¢ each, then people will start thinking that's the case for all situations, and that'd be incorrect in a major way.
Transfer ratios ≠ point value
Point value ≠ transfer ratios
They're 2 separate variables that work together in an equation.
In this 1 specific use case with Amex, the _end result_ is an effective 1.0¢ value, but that does not change the value of an individual point.
Thanks Mike for another great video! As a domestic economy traveler, I haven't been able to find better values than transferring MR points to Delta to get at least 1.2-1.3 CPP. I'm wondering if you can enlist any potential domestic airline/hotel redemptions that give a 1.7 CPP (or even 1.5) value.
Perhaps in a future video! Big-value domestic airline redemptions seem to be less common. I'd generally go with a Chase setup for a guaranteed 1.25¢ value (via CSP) or guaranteed 1.5¢ value (via CSR) if the focus were domestic flights.
@@MarkReese Makes sense, but the issue is that I never redeem Chase points for anything other than Hyatt; I get easily 2.5-3 and occasionally 4-5 CPP for booking Hyatt category 1-3 hotels.
@@miremadmoafimadani411 - That's great! It doesn't have to be "either / or." Why not do both Hyatt hotels + flights?
@@MarkReese You know better than me that unlike Amex MR points, It’s not easy to earn Chase UR points :-/ (especially considering 5/24!)
I actually purchase 55000 Hyatt points every year at ~1.65 cent which still makes very sense.
@@miremadmoafimadani411 - Are you using the Chase shopping portal?
@Mark Reese: Could you put links to your videos about best way to redeem Amex MR points? I can only think of Schwab then cash out, but need to look bit closely. Thanks for great videos as always! 👍
Here's the link to the video I did on that topic: th-cam.com/video/OAos9ucMPVo/w-d-xo.html
However, it does not go into depth about transfer partners or how to maximize to the highest levels. That'll likely be a separate video.
@@MarkReese Much appreciated Mark! An overview is just what I was looking for. Yeah, there are too many partners that warrant a separate coverage. Thanks again!
Thanks for the video. I definitely messed up my recent stay at Hilton lol. I transferred 75k points to save 1000 on a Hilton vacation. I did 1000/75000 and thought 1.33 was a decent rate. I definitely know not to do that again.
For a Hilton transfer, that's fantastic 💯 The only way it could look "bad" is if you compare it to _what's possible_ with international airline redemptions.
Hey mark,
What would you say is the best transfer partner if you have a lot of points but mainly fly domestically? I’m looking to get the most value out my points but most of my traveling is done in the U.S.
There isn't a clear answer to that other than "the ones that help you get to where you want at the lowest cost."
If there were 1 best transfer partner for domestic flights, then everyone would be using it. Transfer partners just don't work that way.
Speaking broadly, British Airways Avios, Avianca LifeMiles, Turkish Miles&Smiles, and Delta SkyMiles can all be quite useful.
Here's a link to an article by TPG that you may find helpful: thepointsguy.com/guide/domestic-award-chart-sweet-spots/
Increased my credit limit on one of my amex from 10k to 20k😎. Great tips thank you
BOOM! 👊🔥 Congrats on that $20K limit, Emaan!
Question should I buy the ticket low class on a international airline and then use my Amex platinum points to upgrade the seat or should I just use all my points and Redeem for airline ticket of higher class?
The answer could vary by situation, so you'll have to do the math. The upgrade itself via Amex points gives a 1.0¢ per point value. So, if transferring Amex points to air miles & booking an award flight with the airline program would yield a better value, then that would be the better option.
@@MarkReese thank you so much for the info!
Another great video. Thank you Mark. I just got my Amex Platinum and have learned so much form your videos. Keep it coming 👍
Thanks! Glad to hear the videos have been beneficial!
When i first got my Amex i saw they were doing 1000 mr = 1250 bonvoy and i thought it wasn’t great but ok at best for some situations it might make sense. Then i realized the normally transfer ratio is 1:1 and that’s horrible for bonvoy. Especially when marriott gives you points for almost anything.
Always good to learn about better options! 😁
Hilton -- can be worth it, when there is something like a 30% transfer bonus (1 > 2.6, for example) - while 0.5 is the average, I HAVE found much better even in low end stuff. (edit: I wrote this before I watched the end of the vid! :) )
Hilton can definitely be worth it! 👍
UGH! Chase's point redemption is sooooooo much better then AMEX, but AMEX services are so much better then Chase, if Chase beefed up their services I would switch to them in a heart beat. Sad this video came out now because I transferred 50k MR points to Hilton to book a reservation. UGH. I would love to use Chase BUT the services with AMEX are so much better. What im confused about now is everyone says "dont use the portal, earn your status and book directly and transfer MR points." Mark can you guide me here. TY
Up to you and what you value. Booking directly mostly matters with hotels. With hotels, I personally really value having (a) my current elite benefits recognized (b) earning credits towards status (c) earning points in the other program on top of my credit card points and (d) having an easier time getting a hold of customer service. For all of those reasons, I nearly always book direct when a hotel program I care about is involved.
With airlines, a/b/c above don't matter. You'll still receive your benefits, earn credits, and earn points when using portals as long as your airline loyalty # is put on the reservation. The only hassle would then be getting a hold of customer service when irregular operations, cancelations, etc. occur. However, I still nearly always book direct w/ flights. That said, do what's best for you.
@@MarkReese this answers my question! Thank you sir! Great video!
finding this out too. Amex is easier to get their cards too which is a plus and they don't care pretty much how many you have vs Chase 5/24 rule
Mark, i need a video about transferring points to one airline to use on another (avoid to AA). I would ask Reddit, but I don’t need strangers telling me I’m dumb.
Thanks for the suggestion, Fabian!
Thank you
You bet 👍
Thank you so much. Super helpful video !!!
You're welcome!
Everything I look on british airways for domestic flights it shows it can't find them even when I verify they exist with aa first. Is there a way around this?
Not sure what's going on. You're logged into your BA account first, right? Here's a link to a guide by the Million Mile Secrets blog that you may find helpful: millionmilesecrets.com/guides/how-to-book-american-airlines-flights-with-british-airways-avios-points/
@@MarkReese I'll have to check it out. Yes I use the app while logged in, will give the PC side a shot to confirm.
Ok, double checked on BA. No luck, I think the alliances are cracking down. I could find flights to Europe from the US all day with avios but nothing in the US domestic, even hub to hub, ie DFW, PHX, MIA, etc. In the book avios section there was a 600 fuel charge + 50k avios from dfw to lhr. I think it has to do with locality, if you're in the US they route you through AA or BA in the UK. I am tempted to figure out if I can try this with Air France / KLM. This is my experience, if you can book domestic through BA let me know in the event I missed something.
@@phoenixfats1190 - Strange. I've booked domestic via BA before. Not sure what's going on though.
I really want to move away from Amex. And only deal with chase, but I'll be in 5/24 jail until 2026 😢
I had my Amex for a year and I finally transferred my points for the first time to...Hawaiian Airlines. Bummer 😞 But at least I had enough points for four round trip tickets from LAX to HNL.
Awesome! It's not always about getting the best value in the world on paper. Having a great trip experience while saving a bunch of money is way better (at least in my opinion) 😃🏝
@@MarkReese now I know better. Thanks for your informative videos👍
Great video and super helpful for folks like myself that are fairly new to this.
Glad it was helpful, Chris!
solid as usual, & great topic
Thanks Ash!
Amex transfer partners has always been a tricky one for me. Thanks for making this video! 😊
Have you seen the historic 70K sign up bonus for the Alaskan Air Business Credit card? 😃
They can be tricky indeed; research is practically a must. Yes, I saw the Alaska Biz card offer 💯
I usually transfer my points to Delta. I spend 54k for 3 passengers direct flight from east coast to LAs Vegas round trip in main cabin(5hrs flight) I think i have a good deal for that but not sure. My main goal is not to pay my air fare as i will spend money on our car rental😁. Even the tax was charged on me was included in my airline credit for amex platinum( so no need to pay) I like Delta as me and my family can access their lounge using my amex platinum credit card.
That's great! It's not always about getting the highest point value. Often times it's about not paying cash & having a great trip ✈
nice! just cost me 50,500 for Delta for just me from Pittsburgh to Miami in main cabin!
I thought Amex to jet blue was 250 MR to 200 TB points.
Good catch, thanks Raul! I'll make a pinned comment. That makes JetBlue even less appealing 😬
I think topping off is gonna be my best use strategy for a while. Not planning any international trip until hopefully 2024.
Sounds good!
Duly noted... keep 'em comin - excellent👋🏾
✈️💯
How about a video on the best partners. I have 380k points and what’s the best way to fly?
Great suggestion, thanks Mustjab!
I never knew the point transfer fee was for US carrier's only.
Yep! ✈️
Definitely don’t agree with your valuation of Hilton. They’re Amex’s best hotel partner by far. If you utilize transfer bonuses and the 5th night free perk, it’s not hard to get decent value, even domestically. The last time I used Hilton points, I hit 2.1CPP
Hey Royce - all good & totally valid perspective 💯
This video was more about general, raw point value without limited-time transfer boosts (which affect many programs, not just Hilton) and without adding in additional "unique program benefits" (e.g. 5th night free, resort fee policies, etc.).
I also said Marriott was a bad transfer partner, but then showed a 2.5¢ redemption to illustrate that great value is still possible, albeit rare.
It's possible to turn a variety of "bad" redemptions into good ones, but with it being "easy" to get 3.0¢, 4.0¢, 5.0¢ or greater with a number of Amex's international flight partners, by default that makes the hotel programs among the "worst" possible redemptions, at least mathematically on paper.
seems like the longer stays at same place are a big part of the play. So many times when I travel though I do one day at one place (hotel or airbnb) as I might be traveling all over the state or region vs staying in one spot.
Awesome!!!!! Thank you so kuch
You're welcome!
@@MarkReese absolutely. Sorry. I was in the gym and didn’t realize autocorrect didn’t correct my kuch. I was considering loading up on Hilton to do Maldives and I think that actually worked out to 1.5 for Hilton in this extreme example.
@@edwinjiman - Now THAT would be an epic Hilton redemption! 🏆🏝
I admit that I've made a faux pas and transferred MR points to do a last-minute ski trip at the Ritz Carlton (1.3cpp - one of my first videos on my channel, if you're interested). Other than that, I commonly use AMEX MR to top off Marriott or Hilton redemptions like 3-5k points or something like that. Great tips here Mark! Gotta watch out for those domestic airline redemptions 🫤
1.3¢ per point for a Marriott redemption = solid 🏆 It's also not always about getting the best mathematical result on paper. I'd say getting the experience you desire is (way) more important 💯
So don’t use transfer partners?
For the best potential value, I *do* recommend using transfer partners.
@@MarkReese which ones?
@@jaytheactivist8520 - The answer varies from 1 itinerary to another based on origin, destination, and other factors.
Now we need the six BEST ones!
😎💯
What are the best transfer partners?
Topic for another video! ✈️
thank you teacher!!!!! :)
You're welcome!
How about a video on the BEST Amex transfer partners?
Thanks for the suggestion, Jay!
Definitely not transferring to Hilton, I’d just earn points on my Hilton cards instead and save the MR points!
Smart move 😎👊
@@MarkReese Your explanation for Hilton not being a good transfer partner basically made the (unspoken) case for the Hilton Surpass and Hilton Business cards. They’re your best bets for earning a lot of Hilton points, if that’s what you want to prioritize.
Based on this video it seems MR point are kinda of useless.
Far from it.
I cant wait for the chase version of this video.
😁💯
👌🏾👌🏾👁👃🏽👁👍🏽👍🏽thanks
👍
1
👊🥇
UPDATE: signed up for air France and came to find that it is the same issue with skyteam. Better yet when virgin was the connecting carrier the valuations hold true, with delta, no.
I am beginning to think that in my opinion the domestic carriers are throwing a wrench into booking with a foreign carrier website in their respective alliance, same may be true abroad.
They appear to be (my opinion) making it a hassle on purpose with points abroad to keep the points in house. Cash was easier to book with foreign carriers for foreign flights only. Couldn't find flights in af or ba searches. I used PHX, DFW, and CLT flights as data points. I excluded CA and NY on purpose.
IMO the best reliable AMEX redemption in the US is schwab if you have that card. With chase southwest and hyatt appear to be the good ones there. Is the value maximized with these selections, maybe not but they seem to be reliable for transfers in the US that have some good value and are not likely to get devalued.
Let me know what you think. This what I have found on my end. AMEX is a damn good Card provider but looking to maximize the value of the points is starting to look like a hassle. I'm not sure if the issues Airlines are having is the root of the issue or not but it appears so.
Thanks for sharing your data points!
@@MarkReese NO problem, I have gained a lot of knowledge from your channel, it is the lease I can do. I have benefited very much from your Hyatt info, will look to get the card in the future. Still in 5/24 jail.