{"id":421959,"date":"2025-05-19T07:48:00","date_gmt":"2025-05-19T11:48:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=421959"},"modified":"2026-05-08T15:52:47","modified_gmt":"2026-05-08T15:52:47","slug":"amex-cobalt-partners-transfer","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/amex-cobalt-partners-transfer\/","title":{"rendered":"American Express Cobalt Card: Up To 3.25x Points Toward Over 40 Airlines"},"content":{"rendered":"\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> is a popular credit card because it earns 5X American Express Membership Rewards points on everyday expenses such as groceries and restaurants. Then, if you&#8217;re adept at the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/points-gift-cards-strategy\/\">gift card strategy<\/a>, you can extend that <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/rewards\/special-offers\/5-points-stores\/\">5X multiplier on many other everyday expenses<\/a> like gas, kids&#8217; clothes, subscription services like Netflix, SAQ purchases, etc.<\/p>\n\n\n\n<p>It&#8217;s a card that&#8217;s indispensable to any strategy, especially when it comes to travel. In fact, the <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> has a central role to play, since its Membership Rewards points <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/liste-principaux-programmes-transfert-points-canada\/\">can be transferred<\/a> to numerous loyalty programs, and can be used <a target=\"_blank\" href=\"\/?p=299437\">against any expense charged to the account<\/a>.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"64086\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-american-express-canada-transfer-partners\">American Express Canada Transfer Partners<\/h2>\n\n\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-which-airlines-can-you-transfer-amex-points-to\">Which airlines can you transfer Amex points to?<\/h3>\n\n\n\n<p>American Express Canada&#8217;s transfer partners and ratios are as follows:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>PARTNER<\/strong><\/td><td><strong>RATIO<\/strong><\/td><\/tr><\/thead><tbody><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/aeroplan\/\">Air Canada &#8211; Aeroplan<\/a><\/td><td>1:1<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/flying-blue\/\">Air France KLM &#8211; Flying Blue<\/a><\/td><td>1:0,75<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/british-airways-club\/\">British Airways Executive Club<\/a><\/td><td>1:1<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/delta-skymiles\/\">Delta Skymiles<\/a><\/td><td>1:0,75<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/asia-miles\/\">Cathay Pacific Asia Miles<\/a><\/td><td>1:0,75<\/td><\/tr><tr><td>Etihad Guest<\/td><td>1:0,75<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/marriott-bonvoy\/\">Marriott Bonvoy<\/a><\/td><td>1:1,2<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/hilton-honors\/\">Hilton Honors<\/a><\/td><td>1:1<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<p>As you can see, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/tutorial-transfer-membership-rewards\/\">Membership Rewards points can be transferred<\/a> to six airline programs and two hotel programs.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"130325,161201\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-collecting-points-with-the-american-express-cobalt-card\">Collecting Points With The American Express Cobalt Card<\/h3>\n\n\n\n<p>By using an <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>MD<\/sup> Card<\/a> on everyday expenses and accumulating 5X points that can be transferred, this translates to the following:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>PARTNER<\/strong><\/td><td><strong>ACCUMULATION<\/strong><\/td><\/tr><\/thead><tbody><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/aeroplan\/\">Air Canada &#8211; Aeroplan<\/a><\/td><td>5X<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/flying-blue\/\">Air France-KLM-Flying Blue<\/a><\/td><td>3,75X<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/british-airways-club\/\">British Airways Executive Club<\/a><\/td><td>5X<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/delta-skymiles\/\">Delta Skymiles<\/a><\/td><td>3,75X<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/asia-miles\/\">Cathay Pacific Asia Miles<\/a><\/td><td>3,75X<\/td><\/tr><tr><td>Etihad Guest<\/td><td>3,75X<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/marriott-bonvoy\/\">Marriott Bonvoy<\/a><\/td><td>6X<\/td><\/tr><tr><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/hilton-honors\/\">Hilton Honors<\/a><\/td><td>5X<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<p>In fact, you can earn the equivalent of 5 Aeroplan and 6 Marriott Bonvoy points per dollar spent at the grocery store. This is totally unbeatable, even with cards co-branded with these loyalty programs; <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/comparison-american-express-aeroplan\/\">Aeroplan credit cards<\/a> give only 1X and 1.5X per dollar for your groceries. Similarly, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/marriott-bonvoy-points\/\">Marriott credit cards<\/a> only give 2X points at the grocery store, and the same goes for other programs with co-branded credit cards in Canada.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-transfer-promotions\">Transfer Promotions<\/h3>\n\n\n\n<p>Plus, once or twice a year, there&#8217;s a promotion offering a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/rewards\/special-offers\/marriott-transfer-bonus\/\">30% bonus when transferring<\/a> Membership Rewards points to Marriott Bonvoy. This means you&#8217;ll earn 7.8X Marriott Bonvoy points per dollar on current spending if you wait for these promotions before transferring.<\/p>\n\n\n\n<p>For transfers to Aeroplan, promotions are almost non-existent.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"98856,0\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-comparison-with-american-cards\">Comparison With American Cards<\/h2>\n\n\n\n<p>There is no card as generous as the <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> when it comes to accumulating points (airline or transferable to airline programs) on organic spending, even when compared to the US market. Indeed, there are a few cards that can stand up to it with their 4X and 5X, but it&#8217;s important to remember that these multipliers are per US dollar, since these are <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/get-us-credit-cards\/\">American credit cards<\/a>.<\/p>\n\n\n\n<p>In fact, in the U.S., they accumulate between <strong>2.85X and 3.65X<\/strong> points per Canadian dollar on their grocery stores, depending on the current exchange rate. So the grass isn&#8217;t necessarily greener next door.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-transfer-partners-in-the-united-states\">Transfer Partners In The United States<\/h3>\n\n\n\n<p>Although the accumulation rates for everyday spending are not as high south of the border, they have access to many more transfer partners. In fact, there are numerous loyalty programs that are not accessible with transferable points from Canada but are available in the United States.<\/p>\n\n\n\n<p>But is it worth signing up for a U.S. credit card just to gain access to these programs?<\/p>\n\n\n\n<p>At first glance, it might seem appealing to have the opportunity to transfer to a wider range of partners, but there is still a significant cost to <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/get-us-credit-cards\/\">subscribing to an American credit card<\/a> that offers a high multiplier on grocery spending. Indeed, it&#8217;s important to remember that these credit cards come with annual fees, and the high multipliers are sometimes only applicable in the United States. For example, the American Express Gold Card offers 4X Membership Rewards points per US dollar on grocery spending only within the country and 4X points on restaurants worldwide, but the annual fee is $325 USD.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1204\" height=\"526\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/Amex-Cobalt-Transfert-Partenaire-2.png\" alt=\"American Express Cobalt Card: Up To 3.25x Points Toward Over 40 Airlines - Amex Cobalt Transfert Partenaire 2\" class=\"wp-image-421668\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/Amex-Cobalt-Transfert-Partenaire-2.png 1204w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/Amex-Cobalt-Transfert-Partenaire-2-450x197.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/Amex-Cobalt-Transfert-Partenaire-2-1024x447.png 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/Amex-Cobalt-Transfert-Partenaire-2-200x87.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/Amex-Cobalt-Transfert-Partenaire-2-768x336.png 768w\" sizes=\"(max-width: 1204px) 100vw, 1204px\" \/><\/figure>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"130204\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-transfer-strategy-via-marriott-bonvoy\">Transfer Strategy Via Marriott Bonvoy<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-using-marriott-bonvoy-points-as-an-intermediary\">Using Marriott Bonvoy Points As An Intermediary<\/h3>\n\n\n\n<p>There is, however, a strategy for accessing a wider range of partners while remaining within the Canadian Membership Rewards ecosystem.<\/p>\n\n\n\n<p>It is possible to transfer Membership Rewards points into Marriott Bonvoy points. Marriott points can then be transferred to a very large number of airline partners. In general, transferring Membership Rewards points to Marriott Bonvoy and <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/how-to-transfer-marriott-bonvoy-points-to-aeroplan\/\">then converting them into airline miles<\/a> may seem like an appealing idea, but this approach usually results in a significant loss of value.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"136987\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-comparison-of-transfers-from-amex-points-to-aeroplan-vs-via-marriott-bonvoy\">Comparison Of Transfers From Amex Points To Aeroplan Vs. Via Marriott Bonvoy<\/h3>\n\n\n\n<p>If you transfer 25,000 Membership Rewards points directly to Aeroplan, you will receive <strong>25,000 Aeroplan points<\/strong>.<\/p>\n\n\n\n<p>If you transfer them first to Marriott Bonvoy and then to Aeroplan, you&#8217;ll earn just <strong>10,000 Aeroplan points<\/strong>.<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td>Membership Reward Points<\/td><td>Airline points (direct transfer)<\/td><td>Marriott Bonvoy points<\/td><td>Airline points via Marriott Bonvoy<\/td><td>Total ratio (Airline Rewards &gt; )<\/td><\/tr><\/thead><tbody><tr><td>25K<\/td><td>25K (1:1)<\/td><td>30K (1&nbsp;: 1,2)<\/td><td>10K (3:1)<\/td><td>1&nbsp;: 0,4<\/td><\/tr><tr><td>50K<\/td><td>50K (1:1)<\/td><td>60K (1&nbsp;: 1,2)<\/td><td>25K (3:1)*<\/td><td>1&nbsp;: 0,5<\/td><\/tr><tr><td>38.5K<\/td><td>38.5K (1:1)<\/td><td>60K (1&nbsp;: 1,56)**<\/td><td>25K (3:1)*<\/td><td>1&nbsp;: 0,65<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<p>* Marriott Bonvoy Bonus: When you transfer 60,000 Marriott Bonvoy points, an additional 5,000 airline points are added.<\/p>\n\n\n\n<p>** 30% transfer promotion to Marriott Bonvoy: This increases the ratio of Rewards points to Marriott Bonvoy to 1:1.56, but is ultimately disadvantageous.<\/p>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>Observation: even in the case of bonuses or promotions, transferring via Marriott Bonvoy results in a loss of value compared with direct transfer.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<p>At first glance, one should never consider using Marriott Bonvoy as an intermediary for transferring when you have Membership Rewards points and need airline points like Aeroplan or Avios, which are accessible through a direct transfer.<\/p>\n\n\n\n<p>On the other hand, an indirect transfer (via Marriott Bonvoy) may be justified if:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>you are missing points for a specific reservation,<\/li>\n\n\n\n<li>gives you access to otherwise inaccessible transfer partners.<\/li>\n<\/ul><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-programs-accessible-via-marriott-bonvoy\">Programs Accessible Via Marriott Bonvoy<\/h3>\n\n\n\n<p>In fact, since Marriott Bonvoy is a transfer partner with many loyalty programs, these become accessible with Marriott as intermediary.<\/p>\n\n\n\n<p>Here are all the programs available with Marriott:<\/p>\n\n\n<div class=\"table-scroll\">\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>PARTNER<\/strong><\/td><td><strong>RATIO<\/strong><\/td><td><strong>BONUS IN MILES \/ 60,000 POINTS<\/strong><\/td><td><strong>DELAY IN DAYS<\/strong><\/td><\/tr><\/thead><tbody><tr class=\"ninja_table_row_0 nt_row_id_169\" data-row_id=\"169\"><td>Aegean Airlines Miles+Bonus<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>10<\/td><\/tr><tr class=\"ninja_table_row_1 nt_row_id_170\" data-row_id=\"170\"><td>Aeroflot Bonus<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>14<\/td><\/tr><tr class=\"ninja_table_row_2 nt_row_id_171\" data-row_id=\"171\"><td>AeroMexico Club Premier<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>2<\/td><\/tr><tr class=\"ninja_table_row_3 nt_row_id_172\" data-row_id=\"172\"><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/aeroplan\/\">Air Canada Aeroplan<\/a><\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>5<\/td><\/tr><tr class=\"ninja_table_row_4 nt_row_id_173\" data-row_id=\"173\"><td>Air China Phoenix Miles<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>5<\/td><\/tr><tr class=\"ninja_table_row_5 nt_row_id_174\" data-row_id=\"174\"><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/flying-blue-miles-canada\/\">Air France\/KLM Flying Blue<\/a><\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>1<\/td><\/tr><tr class=\"ninja_table_row_6 nt_row_id_175\" data-row_id=\"175\"><td>Air New Zealand Airpoints<\/td><td>200:1<\/td><td><strong>25<\/strong><\/td><td>2<\/td><\/tr><tr class=\"ninja_table_row_7 nt_row_id_176\" data-row_id=\"176\"><td>Alaska Airlines Mileage Plan<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>2<\/td><\/tr><tr class=\"ninja_table_row_9 nt_row_id_178\" data-row_id=\"178\"><td>ANA Mileage Club<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>7<\/td><\/tr><tr class=\"ninja_table_row_10 nt_row_id_179\" data-row_id=\"179\"><td>American Airlines AAdvantage<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>2<\/td><\/tr><tr class=\"ninja_table_row_11 nt_row_id_180\" data-row_id=\"180\"><td>Asiana Airlines Asiana Club<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>10<\/td><\/tr><tr class=\"ninja_table_row_12 nt_row_id_181\" data-row_id=\"181\"><td>Avianca Airlines Lifemiles<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>14<\/td><\/tr><tr class=\"ninja_table_row_13 nt_row_id_182\" data-row_id=\"182\"><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/avios-miles-canada\/\">British Airways Executive Club<\/a><\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>1<\/td><\/tr><tr class=\"ninja_table_row_14 nt_row_id_183\" data-row_id=\"183\"><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/ultimate-guide-asia-miles-cathay-pacific\/\">Cathay Pacific Asia Miles<\/a><\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>10<\/td><\/tr><tr class=\"ninja_table_row_15 nt_row_id_184\" data-row_id=\"184\"><td>China Eastern Airlines Eastern Miles<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>14<\/td><\/tr><tr class=\"ninja_table_row_16 nt_row_id_185\" data-row_id=\"185\"><td>China Southern Airlines<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>3<\/td><\/tr><tr class=\"ninja_table_row_17 nt_row_id_186\" data-row_id=\"186\"><td>Copa Airlines ConnectMiles<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>14<\/td><\/tr><tr class=\"ninja_table_row_18 nt_row_id_187\" data-row_id=\"187\"><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/guide-delta-skymiles\/\">Delta Air Lines SkyMiles<\/a><\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>2<\/td><\/tr><tr class=\"ninja_table_row_19 nt_row_id_188\" data-row_id=\"188\"><td>Emirates Skywards<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>6<\/td><\/tr><tr class=\"ninja_table_row_20 nt_row_id_189\" data-row_id=\"189\"><td>Etihad Guest<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>5<\/td><\/tr><tr class=\"ninja_table_row_21 nt_row_id_190\" data-row_id=\"190\"><td>Frontier Airlines MyFrontier<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>14<\/td><\/tr><tr class=\"ninja_table_row_22 nt_row_id_191\" data-row_id=\"191\"><td>Hainan Airlines Fortune Wings<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>14<\/td><\/tr><tr class=\"ninja_table_row_23 nt_row_id_192\" data-row_id=\"192\"><td>Hawaiian Airlines HawaiianMiles<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>2<\/td><\/tr><tr class=\"ninja_table_row_24 nt_row_id_193\" data-row_id=\"193\"><td>Iberia Plus<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>6<\/td><\/tr><tr class=\"ninja_table_row_25 nt_row_id_194\" data-row_id=\"194\"><td>Japan Airlines JAL Mileage Bank<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>7<\/td><\/tr><tr class=\"ninja_table_row_26 nt_row_id_195\" data-row_id=\"195\"><td>JetBlue TrueBlue<\/td><td>6:1<\/td><td><strong>2&nbsp;500<\/strong><\/td><td>1<\/td><\/tr><tr class=\"ninja_table_row_27 nt_row_id_196\" data-row_id=\"196\"><td>Korean Air SKYPASS<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>7<\/td><\/tr><tr class=\"ninja_table_row_28 nt_row_id_197\" data-row_id=\"197\"><td>Latam Airlines Latam Pass<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>2<\/td><\/tr><tr class=\"ninja_table_row_29 nt_row_id_198\" data-row_id=\"198\"><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/lufthansa-miles-more\/\" target=\"_blank\" rel=\"noopener\">Lufthansa Miles &amp; More<\/a><\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>6<\/td><\/tr><tr class=\"ninja_table_row_30 nt_row_id_199\" data-row_id=\"199\"><td>Qantas Frequent Flyer<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>6<\/td><\/tr><tr class=\"ninja_table_row_31 nt_row_id_200\" data-row_id=\"200\"><td><a target=\"_blank\" title=\"Qatar Airways\" href=\"\/go\/qatar-airways\/\" rel=\"noindex\" data-shortcode=\"true\">Qatar Airways<\/a> Privilege Club<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>6<\/td><\/tr><tr class=\"ninja_table_row_32 nt_row_id_201\" data-row_id=\"201\"><td>Saudi Arabian Airlines Alfursan<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>14<\/td><\/tr><tr class=\"ninja_table_row_33 nt_row_id_202\" data-row_id=\"202\"><td><a target=\"_blank\" title=\"Singapore Airlines\" href=\"\/go\/singapore-airlines\/\" rel=\"noindex\" data-shortcode=\"true\">Singapore Airlines<\/a> KrisFlyer<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>6<\/td><\/tr><tr class=\"ninja_table_row_34 nt_row_id_203\" data-row_id=\"203\"><td>South African Airways Voyager<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>14<\/td><\/tr><tr class=\"ninja_table_row_35 nt_row_id_204\" data-row_id=\"204\"><td>Southwest Airlines Rapid Rewards<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>2<\/td><\/tr><tr class=\"ninja_table_row_36 nt_row_id_205\" data-row_id=\"205\"><td>TAP Air Portugal<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>14<\/td><\/tr><tr class=\"ninja_table_row_37 nt_row_id_206\" data-row_id=\"206\"><td>Thai Airways Royal Orchid Plus<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>10<\/td><\/tr><tr class=\"ninja_table_row_38 nt_row_id_207\" data-row_id=\"207\"><td>Turkish Airlines Miles&amp;Smiles<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>14<\/td><\/tr><tr class=\"ninja_table_row_39 nt_row_id_208\" data-row_id=\"208\"><td>United MileagePlus<\/td><td>3:1.1<\/td><td><strong>5&nbsp;500<\/strong><\/td><td>2<\/td><\/tr><tr class=\"ninja_table_row_40 nt_row_id_209\" data-row_id=\"209\"><td>Virgin Atlantic Flying Club<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>1<\/td><\/tr><tr class=\"ninja_table_row_41 nt_row_id_210\" data-row_id=\"210\"><td>Virgin Australia Velocity<\/td><td>3:1<\/td><td>5&nbsp;000<\/td><td>2<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<p><\/div><\/p>\n\n\n\n<p>Therefore, if you accumulate points with the <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> on your daily expenses such as groceries, we can repeat the table above for air points not accessible via Marriott Bonvoy as follows:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td>Rewards Points<\/td><td>Marriott Bonvoy points<\/td><td>Airline points via Marriott Bonvoy<\/td><td>Cobalt ratio<\/td><\/tr><\/thead><tbody><tr><td>25K<\/td><td>30K (1&nbsp;: 1,2)<\/td><td>10K (3:1)<\/td><td>1&nbsp;: 0,4 = 2X<\/td><\/tr><tr><td>50K<\/td><td>60K (1&nbsp;: 1,2)<\/td><td>25K (3:1)*<\/td><td>1&nbsp;: 0,5 = 2,5X<\/td><\/tr><tr><td>38.5K<\/td><td>60K (1&nbsp;: 1,56)**<\/td><td>25K (3:1)*<\/td><td>1&nbsp;: 0,65 = 3,25X<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n<aside class=\"component component__quote wp-block-milesgutenberg-quote\">\n\t<div class=\"component__quote__icon\">\n\t\t<i class=\"fa-solid fa-quote-left\"><\/i>\n\t<\/div>\n\t<div class=\"component__quote__content\">\n\t\t<div class=\"component__quote__content__inner\">\n\t\t\t\n\n<p><span style=\"font-size: 18pt\"><strong>3,25X<\/strong><\/span><\/p>\n\n\t\t<\/div>\n\t\t\t<\/div>\n<\/aside>\n\n\n\n<p>This means that you can earn up to 3.25X in non-accessible airline points directly on your everyday spending with the <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> via Marriott Bonvoy (if you wait for point transfer promotions)!<\/p>\n\n\n\n<p>As a result, the <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> has a higher rate of accumulation on current spending for airline points than its American counterpart, the American Express Gold Card, with its 4X per U.S. dollar (3.25X for the Cobalt vs. 2.85X to 3X for the American Express Gold depending on the exchange rate).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-warnings\">Warnings<\/h2>\n\n\n\n<p>If you&#8217;re considering transfers in this way, make sure you do your calculations beforehand and research availability on the direct transfer partners you have access to, such as Aeroplan and Avios.<\/p>\n\n\n\n<p>Certainly, if you see the same Japan Airlines flight on British Airways Executive Club and it has the same number of points, it&#8217;s not worth going through an intermediary. We don&#8217;t have as many transfer partners in Canada, but since we can transfer our Membership Rewards points to Aeroplan, Avios and Flying Blue, we already have access to the networks of all three major airline alliances.<\/p>\n\n\n\n<p>However, the number of points and the amount of taxes and fees to pay can vary from one partner to another, making it important to compare different programs. Additionally, beyond the cost in points and fees, a flight might be available on one platform but not on another; some programs release seats exclusively for their own loyalty program and not for their alliance partners. Therefore, it may be worth it depending on the situation. This is why it&#8217;s essential to always do the calculations and research before each transfer.<\/p>\n\n\n\n<p>Finally, it is not recommended that you transfer more points than you need to make your reservation. Once points land in an airline program, they cannot be transferred elsewhere. In fact, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/expiration-points-miles\/\">points can expire<\/a> if you don&#8217;t maintain activity in your account, and they devalue over time. By keeping them as Membership Rewards points, they have the greatest value, since their flexibility is maintained.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"232307\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-a-concrete-example\">A Concrete Example<\/h2>\n\n\n\n<p><strong>Objective<\/strong>: Book a round-trip flight between Chicago and Tokyo (ideally on a direct flight).<\/p>\n\n\n\n<p><strong>Check available options<\/strong>:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Avios: No availability.<\/li>\n<\/ul><\/div>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Aeroplan: 50,000 points in economy class or 284,000 Aeroplan points per segment for the targeted dates (i.e. 100,000 points or 568,000 points for a round trip).<\/li>\n<\/ul><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1914\" height=\"672\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/Amex-Cobalt-Transfert-Partenaire.png\" alt=\"American Express Cobalt Card: Up To 3.25x Points Toward Over 40 Airlines - Amex Cobalt Transfert Partenaire\" class=\"wp-image-421666\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/Amex-Cobalt-Transfert-Partenaire.png 1914w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/Amex-Cobalt-Transfert-Partenaire-450x158.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/Amex-Cobalt-Transfert-Partenaire-1024x360.png 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/Amex-Cobalt-Transfert-Partenaire-200x70.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/Amex-Cobalt-Transfert-Partenaire-768x270.png 768w\" sizes=\"(max-width: 1914px) 100vw, 1914px\" \/><\/figure>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Japan Airlines Mileage Bank: Available with Japan Airlines for 25,000 miles in economy class and 75,000 miles in business class (i.e. 50,000 miles or 150,000 miles for a round trip).<\/li>\n<\/ul><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2034\" height=\"1262\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/Amex-Cobalt-Transfert-Partenaire-4.png\" alt=\"American Express Cobalt Card: Up To 3.25x Points Toward Over 40 Airlines - Amex Cobalt Transfert Partenaire 4\" class=\"wp-image-421675\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/Amex-Cobalt-Transfert-Partenaire-4.png 2034w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/Amex-Cobalt-Transfert-Partenaire-4-450x279.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/Amex-Cobalt-Transfert-Partenaire-4-1024x635.png 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/Amex-Cobalt-Transfert-Partenaire-4-200x124.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/Amex-Cobalt-Transfert-Partenaire-4-768x477.png 768w\" sizes=\"(max-width: 2034px) 100vw, 2034px\" \/><\/figure>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Alaska Mileage Plan: available with Japan Airlines for 37,500 miles in economy class and 75,000 miles in business class (i.e. 75,000 miles or 150,000 miles for a round trip).<\/li>\n<\/ul><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2176\" height=\"472\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/Amex-Cobalt-Transfert-Partenaire-3.jpg\" alt=\"American Express Cobalt Card: Up To 3.25x Points Toward Over 40 Airlines - Amex Cobalt Transfert Partenaire 3\" class=\"wp-image-421670\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/Amex-Cobalt-Transfert-Partenaire-3.jpg 2176w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/Amex-Cobalt-Transfert-Partenaire-3-450x98.jpg 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/Amex-Cobalt-Transfert-Partenaire-3-1024x222.jpg 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/Amex-Cobalt-Transfert-Partenaire-3-200x43.jpg 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/12\/Amex-Cobalt-Transfert-Partenaire-3-768x167.jpg 768w\" sizes=\"(max-width: 2176px) 100vw, 2176px\" \/><\/figure>\n\n\n\n<p>Of course, you can do this research, calculation and comparison for as many programs as you like, depending on how much time you want to put into it. To simplify things for this article, I&#8217;ve stopped at the programs above to show you how to compare the different transfer choices.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-calculations-and-analysis\">Calculations and Analysis<\/h4>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>77,000 Rewards points \u2192 120,000 Marriott Bonvoy points (30% bonus) \u2192 50,000 Japan Airlines Mileage Bank miles.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>100,000 Rewards points \u2192 100,000 Aeroplan points .<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>115,000 Rewards points \u2192 180,000 Marriott Bonvoy points (30% bonus) \u2192 75,000 Alaska Mileage Plan miles.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<p>Even though round-trip economy flights are available for 100,000 Aeroplan points (100,000 Rewards Points) with United on this route, it may seem more advantageous to transfer 77,000 Rewards Points to Japan Airlines Mileage Bank to make the reservation. In the end, you&#8217;ll spend fewer points this way.<\/p>\n\n\n\n<p>On the other hand, taxes and fees are significantly higher when you book with Japan Airlines Mileage Bank than with Aeroplan. The programs do not charge <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/understanding-the-airlines-surcharges\/\">taxes, fees and surcharges<\/a> in the same way.<\/p>\n\n\n\n<p>So, it&#8217;s up to you to decide whether it\u2019s worth keeping the difference in Membership Rewards points and paying more in taxes or using your Membership Rewards\/Aeroplan points to pay less out of pocket. <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/points-miles-value-canada\/\">Milesopedia values Membership Rewards points at 1.7\u00a2 per point<\/a>, so in this case, you save 23,000 points, which are worth $391. Therefore, you shouldn&#8217;t pay more than this amount. Since the taxes for one segment are $277 (\u00a529,380) for the outbound flight and $335 (\u00a535,500) for the return, you would end up paying significantly more in taxes and fees to preserve your Membership Rewards points. The final decision will always depend on your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/news\/points-value-target\/\">personal valuation of the points<\/a>.<\/p>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>230,000 Rewards points \u2192 360,000 Marriott Bonvoy points (30% bonus) \u2192 150,000 Alaska Mileage Plan miles or 150,000 Japan Airlines Mileage Bank miles.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<p>On the other hand, if you want to travel in business class, it&#8217;s more economical to do so via Marriott and Alaska Mileage Plan or Japan Airlines Mileage Bank, since the transaction will cost you only 230,000 Rewards points versus 568,000 Aeroplan\/Rewards-points. In this case, the strategy has unlocked an opportunity that costs far less in Rewards points.<\/p>\n\n\n\n<p>Then, if you compare the rates of the Alaska Mileage Plan and Japan Airlines Mileage Bank programs, you&#8217;ll notice that the fees are very low with Alaska compared to JAL.<\/p>\n\n\n\n<p>So, in this example, it&#8217;s more advantageous to transfer your Rewards points to Aeroplan if you want to travel in economy class, and to Alaska Mileage Plan if you want to travel in the comfort of business class.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p>The <a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> is the card of choice for anyone wishing to maximize the accumulation of Rewards points in Canada. By offering high multipliers on daily spending and transfers to numerous airline and hotel partners, it sets itself apart from other cards on the market.<\/p>\n\n\n\n<p>While some transfer strategies, such as via Marriott Bonvoy, may result in a loss of value, they also provide access to programs not directly accessible with Rewards Points. In short, it&#8217;s essential to carefully analyze your options before each transfer to make the most of your points.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"who_accepts_the_american_express_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWho accepts the American Express card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The American Express (Amex) card is accepted at a multitude of establishments in Canada, including grocery stores, gas stations, pharmacies, restaurants and major retailers. For example, chains such as IGA, Metro, Super C, Couche-Tard, Jean Coutu, Petro-Canada, Shell, Esso, Walmart, The Bay, IKEA and Amazon accept Amex cards.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_i_use_the_amex_cobalt_card_abroad_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan I use the Amex Cobalt card abroad?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The Amex Cobalt card is accepted in many countries around the world, but you&#8217;ll only get the 5X multiplier in Canada. Also, it&#8217;s important to note that a foreign currency conversion fee of 2.5% applies to transactions made in a currency other than the Canadian dollar. What&#8217;s more, although the card is widely accepted, some foreign businesses may not accept it. We therefore recommend that you verify card acceptance with the establishments you plan to visit during your travels.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Discover how the Amex Cobalt card allows you to accumulate rewards points at an exceptional rate and convert them into points for various airline programs.<\/p>","protected":false},"author":1237,"featured_media":421831,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[48137],"tags":[],"mc_loyalty_program":[],"class_list":["post-421959","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-strategy","mc_market-all-of-canada"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":22621,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - 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