One US bank point becomes 0.99 airline miles on average, against 0.77 for a European card point (Amex and Revolut).
16 sourced statistics on points and miles, calculated from our dated, sourced data. For example: One US bank point becomes 0.99 airline miles on average, against 0.77 for a European card point (Amex and Revolut). Free to cite with a link. Latest data 2 November 2026.
Transfer ratios
Amex Switzerland has the lowest average transfer ratio of the 17 US and European programs ranked: 0.54 airline miles per point.
Bilt, Capital One and Revolut (EEA) have the most airline transfer partners: 18.
82% of Amex UK's airline partners transfer at 1:1 or better; none of Amex Belgium's do.
Amex in Europe
Amex to Flying Blue transfer ratios by issuing country: Belgium 2:1, Netherlands 2:1, UK 1:1, France 5:4, Germany 5:4. 10,000 points become 5,000 miles in Belgium, 5,000 miles in the Netherlands, 10,000 miles in the UK, 8,000 miles in France, 8,000 miles in Germany.
Amex UK has 17 Membership Rewards transfer partners; Amex Belgium has 8.
Points or Cash tracks 14 sourced points sweet spots and traps from Brussels and Amsterdam, with taxes and surcharges.
Transfer bonuses
8 credit card transfer bonuses are running from 5 banks, averaging +28%.
The biggest transfer bonus running is Amex UK to Hilton Honors at +40%, until 24 November 2026.
50 transfer bonuses we tracked have ended since May 2026; the same partners tend to come back.
Train vs plane
On 13 of 33 European city pairs checked, the train is faster door to door or short flights are banned.
The fastest train from Brussels to Paris takes 1h22, city centre to city centre.
Eurostar emits 5.8 g CO₂e per passenger-km (use phase), against 123 to 159 g for flights under 1,000 km, per SNCF's 2024 methodology citing ADEME.
Flight delays (EU261)
Under EU261, a delay of 3 hours or more at arrival pays €250 (up to 1,500 km), €400 (longer intra-EU and 1,500–3,500 km) or €600 (over 3,500 km) per passenger, unless the airline proves extraordinary circumstances.
On flights over 3,500 km to or from outside the EU, a delay of 3 to 4 hours pays €300 instead of €600.
Lounges
Points or Cash lists lounge access, by card and ticket, for 53 airports.
Download the data
Free to reuse under CC BY 4.0 with a link to Points or Cash.
- points-ratio-index.json: the league table and every bank-to-partner ratio, with dates.
- points-ratio-index.csv: every bank-to-partner ratio, one row each.
- transfer-bonuses.csv: active and recently ended transfer bonuses, with sources.
Questions
Where do these statistics come from?
Each one is calculated from Points or Cash's researched data (bank transfer pages, airline and rail operators, EU law), which lists its sources on the linked page. Nothing here is estimated or modelled.
Can I use these numbers?
Yes. They are free to cite under CC BY 4.0: credit Points or Cash and link to the statistic. Use "Copy citation" for a ready-made line, or download the data below.
How often are they updated?
Each statistic shows the date its data was checked, and is recalculated whenever that data is updated. Latest data: 2 November 2026.