{
 "name": "Points Ratio Index",
 "source": "https://pointsorcash.app/points-ratio-index",
 "license": "CC BY 4.0",
 "as_of": "2026-11-02",
 "league": [
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "airline_partners": 18,
   "avg_miles_per_point": 1,
   "at_par_pct": 100,
   "best_airline_ratio": "1:1"
  },
  {
   "bank": "amex_mr",
   "bank_name": "Amex",
   "region": "US",
   "airline_partners": 16,
   "avg_miles_per_point": 1,
   "at_par_pct": 81,
   "best_airline_ratio": "1:1.6"
  },
  {
   "bank": "chase_ur",
   "bank_name": "Chase",
   "region": "US",
   "airline_partners": 10,
   "avg_miles_per_point": 1,
   "at_par_pct": 100,
   "best_airline_ratio": "1:1"
  },
  {
   "bank": "wells_fargo",
   "bank_name": "Wells Fargo",
   "region": "US",
   "airline_partners": 8,
   "avg_miles_per_point": 1,
   "at_par_pct": 100,
   "best_airline_ratio": "1:1"
  },
  {
   "bank": "us_bank",
   "bank_name": "U.S. Bank",
   "region": "US",
   "airline_partners": 4,
   "avg_miles_per_point": 1,
   "at_par_pct": 100,
   "best_airline_ratio": "1:1"
  },
  {
   "bank": "citi_ty",
   "bank_name": "Citi",
   "region": "US",
   "airline_partners": 16,
   "avg_miles_per_point": 0.99,
   "at_par_pct": 94,
   "best_airline_ratio": "1:1"
  },
  {
   "bank": "revolut_uk",
   "bank_name": "Revolut (UK)",
   "region": "Europe",
   "airline_partners": 15,
   "avg_miles_per_point": 0.97,
   "at_par_pct": 93,
   "best_airline_ratio": "1:1"
  },
  {
   "bank": "capital_one",
   "bank_name": "Capital One",
   "region": "US",
   "airline_partners": 18,
   "avg_miles_per_point": 0.94,
   "at_par_pct": 78,
   "best_airline_ratio": "1:1"
  },
  {
   "bank": "revolut_eu",
   "bank_name": "Revolut (EEA)",
   "region": "Europe",
   "airline_partners": 18,
   "avg_miles_per_point": 0.93,
   "at_par_pct": 83,
   "best_airline_ratio": "1:1"
  },
  {
   "bank": "amex_mr_uk",
   "bank_name": "Amex UK",
   "region": "Europe",
   "airline_partners": 11,
   "avg_miles_per_point": 0.92,
   "at_par_pct": 82,
   "best_airline_ratio": "1:1"
  },
  {
   "bank": "amex_mr_es",
   "bank_name": "Amex Spain",
   "region": "Europe",
   "airline_partners": 6,
   "avg_miles_per_point": 0.91,
   "at_par_pct": 67,
   "best_airline_ratio": "1:1"
  },
  {
   "bank": "amex_mr_fr",
   "bank_name": "Amex France",
   "region": "Europe",
   "airline_partners": 10,
   "avg_miles_per_point": 0.79,
   "at_par_pct": 10,
   "best_airline_ratio": "1:1"
  },
  {
   "bank": "amex_mr_de",
   "bank_name": "Amex Germany",
   "region": "Europe",
   "airline_partners": 9,
   "avg_miles_per_point": 0.71,
   "at_par_pct": 0,
   "best_airline_ratio": "5:4"
  },
  {
   "bank": "amex_mr_it",
   "bank_name": "Amex Italy",
   "region": "Europe",
   "airline_partners": 8,
   "avg_miles_per_point": 0.7,
   "at_par_pct": 0,
   "best_airline_ratio": "5:4"
  },
  {
   "bank": "amex_mr_be",
   "bank_name": "Amex Belgium",
   "region": "Europe",
   "airline_partners": 5,
   "avg_miles_per_point": 0.63,
   "at_par_pct": 0,
   "best_airline_ratio": "3:2"
  },
  {
   "bank": "amex_mr_nl",
   "bank_name": "Amex Netherlands",
   "region": "Europe",
   "airline_partners": 7,
   "avg_miles_per_point": 0.59,
   "at_par_pct": 0,
   "best_airline_ratio": "5:4"
  },
  {
   "bank": "amex_mr_ch",
   "bank_name": "Amex Switzerland",
   "region": "Europe",
   "airline_partners": 4,
   "avg_miles_per_point": 0.54,
   "at_par_pct": 0,
   "best_airline_ratio": "3:2"
  }
 ],
 "ratios": [
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "avios_aerlingus",
   "partner_name": "Aer Lingus AerClub (Avios)",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "aeroplan",
   "partner_name": "Air Canada Aeroplan",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "flyingblue",
   "partner_name": "Air France-KLM Flying Blue",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "alaska",
   "partner_name": "Alaska/Hawaiian Atmos Rewards",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "lifemiles",
   "partner_name": "Avianca LifeMiles",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "avios_ba",
   "partner_name": "British Airways Club (Avios)",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "cathay",
   "partner_name": "Cathay Pacific Asia Miles",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "emirates",
   "partner_name": "Emirates Skywards",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "etihad",
   "partner_name": "Etihad Guest",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "avios_iberia",
   "partner_name": "Iberia Club (Avios)",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "jal",
   "partner_name": "Japan Airlines Mileage Bank",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "jetblue",
   "partner_name": "JetBlue TrueBlue",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "qatar",
   "partner_name": "Qatar Airways Privilege Club (Avios)",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "southwest",
   "partner_name": "Southwest Rapid Rewards",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "tap",
   "partner_name": "TAP Air Portugal Miles&Go",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "turkish",
   "partner_name": "Turkish Airlines Miles&Smiles",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "united",
   "partner_name": "United MileagePlus",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "virginatlantic",
   "partner_name": "Virgin Atlantic Flying Club",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "accor",
   "partner_name": "Accor Live Limitless (ALL)",
   "type": "hotel",
   "ratio": "3:2",
   "partner_points_per_bank_point": 0.6667,
   "checked": "2026-11-01"
  },
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "hilton",
   "partner_name": "Hilton Honors",
   "type": "hotel",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "ihg",
   "partner_name": "IHG One Rewards",
   "type": "hotel",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "marriott",
   "partner_name": "Marriott Bonvoy",
   "type": "hotel",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "iprefer",
   "partner_name": "I Prefer Hotel Rewards (Preferred Hotels & Resorts)",
   "type": "hotel",
   "ratio": "1:2",
   "partner_points_per_bank_point": 2,
   "checked": "2026-11-01"
  },
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "hyatt",
   "partner_name": "World of Hyatt",
   "type": "hotel",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "wyndham",
   "partner_name": "Wyndham Rewards",
   "type": "hotel",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "bilt",
   "bank_name": "Bilt",
   "region": "US",
   "partner": "amtrak",
   "partner_name": "Amtrak Guest Rewards",
   "type": "other",
   "ratio": "2:1",
   "partner_points_per_bank_point": 0.5,
   "checked": "2026-11-01"
  },
  {
   "bank": "amex_mr",
   "bank_name": "Amex",
   "region": "US",
   "partner": "avios_aerlingus",
   "partner_name": "Aer Lingus AerClub (Avios)",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "amex_mr",
   "bank_name": "Amex",
   "region": "US",
   "partner": "aeromexico",
   "partner_name": "Aeromexico Rewards",
   "type": "airline",
   "ratio": "1:1.6",
   "partner_points_per_bank_point": 1.6,
   "checked": "2026-11-01"
  },
  {
   "bank": "amex_mr",
   "bank_name": "Amex",
   "region": "US",
   "partner": "aeroplan",
   "partner_name": "Air Canada Aeroplan",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "amex_mr",
   "bank_name": "Amex",
   "region": "US",
   "partner": "flyingblue",
   "partner_name": "Air France-KLM Flying Blue",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "amex_mr",
   "bank_name": "Amex",
   "region": "US",
   "partner": "ana",
   "partner_name": "ANA Mileage Club",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "amex_mr",
   "bank_name": "Amex",
   "region": "US",
   "partner": "lifemiles",
   "partner_name": "Avianca LifeMiles",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "amex_mr",
   "bank_name": "Amex",
   "region": "US",
   "partner": "cathay",
   "partner_name": "Cathay Pacific Asia Miles",
   "type": "airline",
   "ratio": "1:0.8",
   "partner_points_per_bank_point": 0.8,
   "checked": "2026-11-01"
  },
  {
   "bank": "amex_mr",
   "bank_name": "Amex",
   "region": "US",
   "partner": "delta",
   "partner_name": "Delta SkyMiles",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "amex_mr",
   "bank_name": "Amex",
   "region": "US",
   "partner": "emirates",
   "partner_name": "Emirates Skywards",
   "type": "airline",
   "ratio": "1:0.8",
   "partner_points_per_bank_point": 0.8,
   "checked": "2026-11-01"
  },
  {
   "bank": "amex_mr",
   "bank_name": "Amex",
   "region": "US",
   "partner": "avios_iberia",
   "partner_name": "Iberia Club (Avios)",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "amex_mr",
   "bank_name": "Amex",
   "region": "US",
   "partner": "jetblue",
   "partner_name": "JetBlue TrueBlue",
   "type": "airline",
   "ratio": "1:0.8",
   "partner_points_per_bank_point": 0.8,
   "checked": "2026-11-01"
  },
  {
   "bank": "amex_mr",
   "bank_name": "Amex",
   "region": "US",
   "partner": "qantas",
   "partner_name": "Qantas Frequent Flyer",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "amex_mr",
   "bank_name": "Amex",
   "region": "US",
   "partner": "qatar",
   "partner_name": "Qatar Airways Privilege Club (Avios)",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "amex_mr",
   "bank_name": "Amex",
   "region": "US",
   "partner": "singapore",
   "partner_name": "Singapore Airlines KrisFlyer",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "amex_mr",
   "bank_name": "Amex",
   "region": "US",
   "partner": "avios_ba",
   "partner_name": "British Airways Club (Avios)",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "amex_mr",
   "bank_name": "Amex",
   "region": "US",
   "partner": "virginatlantic",
   "partner_name": "Virgin Atlantic Flying Club",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "amex_mr",
   "bank_name": "Amex",
   "region": "US",
   "partner": "choice",
   "partner_name": "Choice Privileges",
   "type": "hotel",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "amex_mr",
   "bank_name": "Amex",
   "region": "US",
   "partner": "hilton",
   "partner_name": "Hilton Honors",
   "type": "hotel",
   "ratio": "1:2",
   "partner_points_per_bank_point": 2,
   "checked": "2026-11-01"
  },
  {
   "bank": "amex_mr",
   "bank_name": "Amex",
   "region": "US",
   "partner": "marriott",
   "partner_name": "Marriott Bonvoy",
   "type": "hotel",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "amex_mr",
   "bank_name": "Amex",
   "region": "US",
   "partner": "lhw",
   "partner_name": "The Leading Hotels of the World Leaders Club",
   "type": "hotel",
   "ratio": "4:1",
   "partner_points_per_bank_point": 0.25,
   "checked": "2026-11-01"
  },
  {
   "bank": "chase_ur",
   "bank_name": "Chase",
   "region": "US",
   "partner": "avios_aerlingus",
   "partner_name": "Aer Lingus AerClub (Avios)",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "chase_ur",
   "bank_name": "Chase",
   "region": "US",
   "partner": "aeroplan",
   "partner_name": "Air Canada Aeroplan",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "chase_ur",
   "bank_name": "Chase",
   "region": "US",
   "partner": "flyingblue",
   "partner_name": "Air France-KLM Flying Blue",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "chase_ur",
   "bank_name": "Chase",
   "region": "US",
   "partner": "avios_ba",
   "partner_name": "British Airways Club (Avios)",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "chase_ur",
   "bank_name": "Chase",
   "region": "US",
   "partner": "avios_iberia",
   "partner_name": "Iberia Plus / Iberia Club (Avios)",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "chase_ur",
   "bank_name": "Chase",
   "region": "US",
   "partner": "jetblue",
   "partner_name": "JetBlue TrueBlue",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
   "checked": "2026-11-01"
  },
  {
   "bank": "chase_ur",
   "bank_name": "Chase",
   "region": "US",
   "partner": "singapore",
   "partner_name": "Singapore Airlines KrisFlyer",
   "type": "airline",
   "ratio": "1:1",
   "partner_points_per_bank_point": 1,
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   "bank": "amex_mr_nl",
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 ]
}