Travel-hacking-toolkit transfer-partners

Find the cheapest way to book an award flight using your transferable credit card points. Cross-references seats.aero award prices with transfer partner ratios to calculate the real cost in each currency you hold.

install
source · Clone the upstream repo
git clone https://github.com/borski/travel-hacking-toolkit
Claude Code · Install into ~/.claude/skills/
T=$(mktemp -d) && git clone --depth=1 https://github.com/borski/travel-hacking-toolkit "$T" && mkdir -p ~/.claude/skills && cp -r "$T/skills/transfer-partners" ~/.claude/skills/borski-travel-hacking-toolkit-transfer-partners && rm -rf "$T"
manifest: skills/transfer-partners/SKILL.md
source content

Transfer Partner Optimizer

Given award flight prices (from seats.aero or manual input) and your transferable point balances, find the cheapest path to book.

No API key needed. Uses local JSON data files.

Data Files

FilePurpose
data/transfer-partners.json
Credit card → loyalty program transfer ratios
data/points-valuations.json
CPP valuations per program (floor/ceiling from TPG, UP, OMAAT, VFTW)
data/partner-awards.json
Which programs can book which airlines

When to Use

  • User has award availability (from seats.aero cached search, live search, or manual input)
  • User wants to know "which of my points should I use?"
  • User wants to compare the effective cost across their transferable currencies
  • User asks about transfer partners for a specific airline or program

Workflow

Step 1: Get Award Availability

Use seats.aero (API or web) to search for award flights. Each result includes:

  • Source
    (the loyalty program: "united", "aeroplan", "flyingblue", etc.)
  • Points cost per cabin (e.g., 55,000 business)

Step 2: Map Seats.aero Sources to Transfer Partners

Seats.aero source names map to

transfer-partners.json
keys:

Seats.aero SourceTransfer Partner KeyPrograms That Transfer In
united
united
Chase UR (1:1), Bilt (1:1)
aeroplan
aeroplan
Chase UR (1:1), Amex MR (1:1), Bilt (1:1), Capital One (1:1)
flyingblue
flying_blue
Chase UR (1:1), Amex MR (1:1), Bilt (1:1), Capital One (1:1), Citi TY (1:1), Wells Fargo (1:1)
american
american
Citi TY (1:1), Bilt (1:1)
alaska
alaska_hawaiian
Bilt (1:1)
virginatlantic
virgin_atlantic
Chase UR (1:1), Amex MR (1:1), Bilt (1:1), Citi TY (1:1)
delta
delta
Amex MR (1:1)
emirates
emirates
Bilt (1:1), Amex MR (5:4), Capital One (4:3), Citi TY (5:4)
etihad
etihad
Amex MR (1:1), Bilt (1:1), Capital One (1:1), Citi TY (1:1)
singapore
singapore
Chase UR (1:1), Amex MR (1:1), Capital One (1:1), Citi TY (1:1)
jetblue
jetblue
Chase UR (1:1), Citi TY (1:1), Wells Fargo (1:1), Amex MR (250:200), Capital One (5:3)
qatar
qatar
Amex MR (1:1), Bilt (1:1), Capital One (1:1), Citi TY (1:1)
turkish
turkish
Bilt (1:1), Capital One (1:1), Citi TY (1:1)
eurobonus
(no direct transfer)N/A
aeromexico
aeromexico
Amex MR (1:1.6), Capital One (1:1), Citi TY (1:1)
smiles
(no direct transfer)N/A
finnair
finnair
Capital One (1:1)
lufthansa
(no direct transfer)N/A
ethiopian
(no direct transfer)N/A
saudia
(no direct transfer)N/A

Programs with "no direct transfer" can only be booked by earning miles directly or through alliance partner bookings.

Step 3: Calculate Effective Cost

For each award option, calculate the cost in each transferable currency:

effective_cost = award_miles / transfer_ratio

Example: Aeroplan business at 55,000 miles

  • Chase UR: 55,000 / 1.0 = 55,000 UR points
  • Amex MR: 55,000 / 1.0 = 55,000 MR points
  • Capital One: 55,000 / 1.0 = 55,000 Cap One miles

Example: Emirates business at 72,500 miles

  • Bilt: 72,500 / 1.0 = 72,500 Bilt points
  • Amex MR: 72,500 / 0.8 = 90,625 MR points (worse ratio)
  • Capital One: 72,500 / 0.75 = 96,667 Cap One miles (worst ratio)

Step 4: Calculate Opportunity Cost (CPP)

Use

points-valuations.json
to assess what each currency is "worth":

opportunity_cost = effective_cost × point_value_cpp / 100

This tells you the "cash equivalent" you're giving up. Lower is better.

Step 5: Present Results

Always use markdown tables.

ProgramMiles NeededBest CurrencyPoints NeededCPP ValueCash Equivalent
Aeroplan55,000Chase UR55,0001.7¢$935
United55,000Chase UR55,0001.7¢$935
Alaska37,500Bilt37,5001.7¢$638
Flying Blue57,000Any 1:157,0001.7¢$969

After the table:

  • Recommendation: "Book via Alaska using Bilt points. 37,500 Bilt = $638 opportunity cost vs next best United/Aeroplan at $935."
  • Check balance: Verify the user has enough points in the recommended currency.
  • Transfer bonus? Check if any current transfer bonuses apply (Roame.travel or TPG bonus tracker).

jq Recipes

Find all currencies that transfer to a program

jq -r '
  to_entries | .[] | select(.key != "_meta") |
  .key as $currency | .value.display_name as $name |
  (.value.airlines // {}) + (.value.hotels // {}) |
  to_entries[] | select(.key == "PROGRAM_KEY") |
  "\($name): \(.value.ratio):1 → \(.value.program)"
' data/transfer-partners.json

Replace

PROGRAM_KEY
with the key (e.g.,
united
,
aeroplan
,
flying_blue
).

Calculate effective costs for an award

# Given: 55000 miles via aeroplan
PROGRAM="aeroplan"
MILES=55000
jq -r --arg prog "$PROGRAM" --argjson miles $MILES '
  to_entries | .[] | select(.key != "_meta") |
  .key as $currency | .value.display_name as $name |
  ((.value.airlines // {}) + (.value.hotels // {}))[$prog] // null |
  select(. != null) |
  "\($name): \(($miles / .ratio) | floor) points (ratio \(.ratio):1)"
' data/transfer-partners.json

Find cheapest path for multiple award options

# Given: united at 55000, aeroplan at 55000, alaska at 37500
echo '[
  {"program": "united", "miles": 55000},
  {"program": "aeroplan", "miles": 55000},
  {"program": "alaska_hawaiian", "miles": 37500}
]' | jq -r --slurpfile tp data/transfer-partners.json '
  .[] | .program as $prog | .miles as $miles |
  ($tp[0] | to_entries | .[] | select(.key != "_meta") |
    .value.display_name as $name |
    ((.value.airlines // {}) + (.value.hotels // {}))[$prog] // null |
    select(. != null) |
    {currency: $name, program: $prog, miles: $miles, points_needed: (($miles / .ratio) | floor), ratio: .ratio}
  )
' | jq -s 'sort_by(.points_needed)'

Cross-Alliance Optimization

Sometimes the cheapest path involves booking through a different program than the obvious one. Check

data/partner-awards.json
for cross-alliance highlights:

  • Virgin Atlantic → ANA: 52.5K business from West Coast. Cheaper than any Star Alliance program.
  • Etihad → American Airlines: Fixed chart often beats AA's dynamic pricing.
  • Flying Blue → Delta: Often cheaper than SkyMiles, plus free stopovers.
  • Alaska → Starlux: Only points booking option for Starlux.

Notes

  • Transfer ratios rarely change, but verify against issuer websites before large transfers.
  • Transfers are usually instant but can take up to 48 hours. Don't transfer until you've confirmed award availability.
  • Some programs run transfer bonuses (10-30% extra). Check Roame.travel for current bonuses.
  • The "best" currency depends on what you have the most of AND what you value it at. A 1:1 transfer from a currency you value at 2.0 cpp costs more in opportunity than a 1:1 from one you value at 1.5 cpp.