{
  "version": "v0",
  "as_of": "2026-11-06",
  "timezone_note": "Research opened Asia/Jerusalem (IST).",
  "coverage": {
    "bank_programs_in_scope": [
      "chase_ultimate_rewards",
      "amex_membership_rewards_us",
      "capital_one_miles"
    ],
    "included_partner_rows": 22,
    "subset_policy": "Airline partners only. Ratios included only when stated on an official US issuer page opened for this build. Hotels deferred.",
    "amex_us": {
      "status": "program_in_scope_partner_ratios_unverified",
      "partner_rows_included": 0,
      "what_is_known": "Amex US public pages confirm Membership Rewards can transfer to participating airline/hotel partners and that most partners are 1:1 with exceptions. Partner-by-partner US ratio table was not available on pages successfully opened (terms/update PDFs returned 404/HTML; Credit Intel has no per-partner table).",
      "what_is_unknown": "Exact US ratio for each Amex airline partner (including known industry exceptions such as Emirates/JetBlue/Cathay/Aeromexico) as of this as_of date from Amex US official pages.",
      "do_not_use": "Do not use Amex UK/FR/SG public ratios for US Membership Rewards \u2014 regional programs differ.",
      "source_ids": [
        "amex_credit_intel_points_value",
        "amex_transfer_faq"
      ]
    },
    "chase_hyatt_note": "World of Hyatt is a hotel partner (out of airline subset). Official Sapphire Preferred page: UR\u2192Hyatt 4:3 generally; accounts opened before 2026-06-15 keep 1:1 through 2026-09-30.",
    "capital_one_not_in_subset": [
      "Aeromexico Rewards (1:1 listed \u2014 omitted to keep v0 small; same official source)",
      "Etihad Guest (1:1)",
      "Finnair Plus (1:1)",
      "Qantas Frequent Flyer (1:1)",
      "TAP Miles&Go (1:1)",
      "Copa (2:1.5)",
      "EVA Air (2:1.5)"
    ]
  },
  "sources": {
    "chase_sapphire_preferred_offers": {
      "url": "https://account.chase.com/sapphire/preferred/offers",
      "note": "Official Chase Sapphire Preferred benefits page: partner list; most partners 1:1; World of Hyatt 4:3 (1000 UR = 750 Hyatt); pre-2026-06-15 accounts 1:1 Hyatt through 2026-09-30."
    },
    "chase_how_to_transfer": {
      "url": "https://www.chase.com/personal/credit-cards/education/basics/how-to-transfer-chase-ultimate-rewards-points",
      "note": "Official Chase education page confirming transferable cards and airline/hotel partner names; increments of 1,000; transfers final."
    },
    "capital_one_transfer_guide": {
      "url": "https://www.capitalone.com/learn-grow/money-management/venture-miles-transfer-partnerships/",
      "note": "Official Capital One guide dated Nov 2, 2026: partner lists and conversion ratios including 1:1, 2:1.5, 5:3; min 1,000 miles; transfers final."
    },
    "amex_credit_intel_points_value": {
      "url": "https://www.americanexpress.com/en-us/credit-cards/credit-intel/american-express-points-value/",
      "note": "Official Amex US Credit Intel: transfers exist; 'Most partners offer a 1:1 point transfer ratio, with some exceptions.' No partner-by-partner US ratio table on this page."
    },
    "amex_transfer_faq": {
      "url": "https://www.americanexpress.com/us/customer-service/faq.transfer-membership-reward-points.html",
      "note": "Official Amex US FAQ: transfers to participating partners exist; transfers final; no partner ratio list."
    }
  },
  "disclaimer": "Not card advice. Does not assert that any person holds these programs, balances, or cards. Ratios change; confirm in the issuer portal before any transfer. This matrix is not a Cloud9Club or vendor replacement.",
  "rows": [
    {
      "id": "chase_ur__aer_lingus_aerclub",
      "bank_program": "chase_ultimate_rewards",
      "bank_program_label": "Chase Ultimate Rewards",
      "partner_program": "aer_lingus_aerclub",
      "partner_label": "Aer Lingus AerClub",
      "partner_type": "airline",
      "bank_units": 1,
      "partner_units": 1,
      "ratio_display": "1:1",
      "min_transfer_bank_points": 1000,
      "transfer_increment_bank_points": 1000,
      "notes": "Airline partner listed on Chase Sapphire Preferred offers page; page states most partners transfer 1:1.",
      "restrictions": "Eligible transferable Chase cards only (e.g. Sapphire Preferred/Reserve, Ink Business Preferred per Chase how-to page). Transfers final. Confirm live portal before transferring.",
      "ratio_confidence": "official",
      "source_ids": [
        "chase_sapphire_preferred_offers",
        "chase_how_to_transfer"
      ],
      "as_of": "2026-11-06"
    },
    {
      "id": "chase_ur__air_canada_aeroplan",
      "bank_program": "chase_ultimate_rewards",
      "bank_program_label": "Chase Ultimate Rewards",
      "partner_program": "air_canada_aeroplan",
      "partner_label": "Air Canada Aeroplan",
      "partner_type": "airline",
      "bank_units": 1,
      "partner_units": 1,
      "ratio_display": "1:1",
      "min_transfer_bank_points": 1000,
      "transfer_increment_bank_points": 1000,
      "notes": "Airline partner listed on Chase Sapphire Preferred offers page; page states most partners transfer 1:1.",
      "restrictions": "Eligible transferable Chase cards only (e.g. Sapphire Preferred/Reserve, Ink Business Preferred per Chase how-to page). Transfers final. Confirm live portal before transferring.",
      "ratio_confidence": "official",
      "source_ids": [
        "chase_sapphire_preferred_offers",
        "chase_how_to_transfer"
      ],
      "as_of": "2026-11-06"
    },
    {
      "id": "chase_ur__flying_blue",
      "bank_program": "chase_ultimate_rewards",
      "bank_program_label": "Chase Ultimate Rewards",
      "partner_program": "flying_blue",
      "partner_label": "Air France-KLM Flying Blue",
      "partner_type": "airline",
      "bank_units": 1,
      "partner_units": 1,
      "ratio_display": "1:1",
      "min_transfer_bank_points": 1000,
      "transfer_increment_bank_points": 1000,
      "notes": "Airline partner listed on Chase Sapphire Preferred offers page; page states most partners transfer 1:1.",
      "restrictions": "Eligible transferable Chase cards only (e.g. Sapphire Preferred/Reserve, Ink Business Preferred per Chase how-to page). Transfers final. Confirm live portal before transferring.",
      "ratio_confidence": "official",
      "source_ids": [
        "chase_sapphire_preferred_offers",
        "chase_how_to_transfer"
      ],
      "as_of": "2026-11-06"
    },
    {
      "id": "chase_ur__british_airways_club",
      "bank_program": "chase_ultimate_rewards",
      "bank_program_label": "Chase Ultimate Rewards",
      "partner_program": "british_airways_club",
      "partner_label": "British Airways Club",
      "partner_type": "airline",
      "bank_units": 1,
      "partner_units": 1,
      "ratio_display": "1:1",
      "min_transfer_bank_points": 1000,
      "transfer_increment_bank_points": 1000,
      "notes": "Airline partner listed on Chase Sapphire Preferred offers page; page states most partners transfer 1:1.",
      "restrictions": "Eligible transferable Chase cards only (e.g. Sapphire Preferred/Reserve, Ink Business Preferred per Chase how-to page). Transfers final. Confirm live portal before transferring.",
      "ratio_confidence": "official",
      "source_ids": [
        "chase_sapphire_preferred_offers",
        "chase_how_to_transfer"
      ],
      "as_of": "2026-11-06"
    },
    {
      "id": "chase_ur__iberia_plus",
      "bank_program": "chase_ultimate_rewards",
      "bank_program_label": "Chase Ultimate Rewards",
      "partner_program": "iberia_plus",
      "partner_label": "Iberia Plus",
      "partner_type": "airline",
      "bank_units": 1,
      "partner_units": 1,
      "ratio_display": "1:1",
      "min_transfer_bank_points": 1000,
      "transfer_increment_bank_points": 1000,
      "notes": "Airline partner listed on Chase Sapphire Preferred offers page; page states most partners transfer 1:1.",
      "restrictions": "Eligible transferable Chase cards only (e.g. Sapphire Preferred/Reserve, Ink Business Preferred per Chase how-to page). Transfers final. Confirm live portal before transferring.",
      "ratio_confidence": "official",
      "source_ids": [
        "chase_sapphire_preferred_offers",
        "chase_how_to_transfer"
      ],
      "as_of": "2026-11-06"
    },
    {
      "id": "chase_ur__jetblue_trueblue",
      "bank_program": "chase_ultimate_rewards",
      "bank_program_label": "Chase Ultimate Rewards",
      "partner_program": "jetblue_trueblue",
      "partner_label": "JetBlue TrueBlue",
      "partner_type": "airline",
      "bank_units": 1,
      "partner_units": 1,
      "ratio_display": "1:1",
      "min_transfer_bank_points": 1000,
      "transfer_increment_bank_points": 1000,
      "notes": "Airline partner listed on Chase Sapphire Preferred offers page; page states most partners transfer 1:1.",
      "restrictions": "Eligible transferable Chase cards only (e.g. Sapphire Preferred/Reserve, Ink Business Preferred per Chase how-to page). Transfers final. Confirm live portal before transferring.",
      "ratio_confidence": "official",
      "source_ids": [
        "chase_sapphire_preferred_offers",
        "chase_how_to_transfer"
      ],
      "as_of": "2026-11-06"
    },
    {
      "id": "chase_ur__singapore_krisflyer",
      "bank_program": "chase_ultimate_rewards",
      "bank_program_label": "Chase Ultimate Rewards",
      "partner_program": "singapore_krisflyer",
      "partner_label": "Singapore Airlines KrisFlyer",
      "partner_type": "airline",
      "bank_units": 1,
      "partner_units": 1,
      "ratio_display": "1:1",
      "min_transfer_bank_points": 1000,
      "transfer_increment_bank_points": 1000,
      "notes": "Airline partner listed on Chase Sapphire Preferred offers page; page states most partners transfer 1:1.",
      "restrictions": "Eligible transferable Chase cards only (e.g. Sapphire Preferred/Reserve, Ink Business Preferred per Chase how-to page). Transfers final. Confirm live portal before transferring.",
      "ratio_confidence": "official",
      "source_ids": [
        "chase_sapphire_preferred_offers",
        "chase_how_to_transfer"
      ],
      "as_of": "2026-11-06"
    },
    {
      "id": "chase_ur__southwest_rapid_rewards",
      "bank_program": "chase_ultimate_rewards",
      "bank_program_label": "Chase Ultimate Rewards",
      "partner_program": "southwest_rapid_rewards",
      "partner_label": "Southwest Rapid Rewards",
      "partner_type": "airline",
      "bank_units": 1,
      "partner_units": 1,
      "ratio_display": "1:1",
      "min_transfer_bank_points": 1000,
      "transfer_increment_bank_points": 1000,
      "notes": "Airline partner listed on Chase Sapphire Preferred offers page; page states most partners transfer 1:1.",
      "restrictions": "Eligible transferable Chase cards only (e.g. Sapphire Preferred/Reserve, Ink Business Preferred per Chase how-to page). Transfers final. Confirm live portal before transferring.",
      "ratio_confidence": "official",
      "source_ids": [
        "chase_sapphire_preferred_offers",
        "chase_how_to_transfer"
      ],
      "as_of": "2026-11-06"
    },
    {
      "id": "chase_ur__united_mileageplus",
      "bank_program": "chase_ultimate_rewards",
      "bank_program_label": "Chase Ultimate Rewards",
      "partner_program": "united_mileageplus",
      "partner_label": "United MileagePlus",
      "partner_type": "airline",
      "bank_units": 1,
      "partner_units": 1,
      "ratio_display": "1:1",
      "min_transfer_bank_points": 1000,
      "transfer_increment_bank_points": 1000,
      "notes": "Airline partner listed on Chase Sapphire Preferred offers page; page states most partners transfer 1:1.",
      "restrictions": "Eligible transferable Chase cards only (e.g. Sapphire Preferred/Reserve, Ink Business Preferred per Chase how-to page). Transfers final. Confirm live portal before transferring.",
      "ratio_confidence": "official",
      "source_ids": [
        "chase_sapphire_preferred_offers",
        "chase_how_to_transfer"
      ],
      "as_of": "2026-11-06"
    },
    {
      "id": "chase_ur__virgin_atlantic_flying_club",
      "bank_program": "chase_ultimate_rewards",
      "bank_program_label": "Chase Ultimate Rewards",
      "partner_program": "virgin_atlantic_flying_club",
      "partner_label": "Virgin Atlantic Flying Club",
      "partner_type": "airline",
      "bank_units": 1,
      "partner_units": 1,
      "ratio_display": "1:1",
      "min_transfer_bank_points": 1000,
      "transfer_increment_bank_points": 1000,
      "notes": "Airline partner listed on Chase Sapphire Preferred offers page; page states most partners transfer 1:1.",
      "restrictions": "Eligible transferable Chase cards only (e.g. Sapphire Preferred/Reserve, Ink Business Preferred per Chase how-to page). Transfers final. Confirm live portal before transferring.",
      "ratio_confidence": "official",
      "source_ids": [
        "chase_sapphire_preferred_offers",
        "chase_how_to_transfer"
      ],
      "as_of": "2026-11-06"
    },
    {
      "id": "capital_one__air_canada_aeroplan",
      "bank_program": "capital_one_miles",
      "bank_program_label": "Capital One Miles (US)",
      "partner_program": "air_canada_aeroplan",
      "partner_label": "Air Canada Aeroplan",
      "partner_type": "airline",
      "bank_units": 1,
      "partner_units": 1,
      "ratio_display": "1:1",
      "min_transfer_bank_points": 1000,
      "transfer_increment_bank_points": 1000,
      "notes": "Listed under Capital One 1:1 airline partners.",
      "restrictions": "Eligible Capital One travel/business rewards cards. Name must match loyalty account. Transfers final. Partners subject to change per Capital One footnote.",
      "ratio_confidence": "official",
      "source_ids": [
        "capital_one_transfer_guide"
      ],
      "as_of": "2026-11-06"
    },
    {
      "id": "capital_one__avianca_lifemiles",
      "bank_program": "capital_one_miles",
      "bank_program_label": "Capital One Miles (US)",
      "partner_program": "avianca_lifemiles",
      "partner_label": "Avianca LifeMiles",
      "partner_type": "airline",
      "bank_units": 1,
      "partner_units": 1,
      "ratio_display": "1:1",
      "min_transfer_bank_points": 1000,
      "transfer_increment_bank_points": 1000,
      "notes": "Listed as Avianca Lifemiles under 1:1 airline partners.",
      "restrictions": "Eligible Capital One travel/business rewards cards. Name must match loyalty account. Transfers final. Partners subject to change per Capital One footnote.",
      "ratio_confidence": "official",
      "source_ids": [
        "capital_one_transfer_guide"
      ],
      "as_of": "2026-11-06"
    },
    {
      "id": "capital_one__british_airways_club",
      "bank_program": "capital_one_miles",
      "bank_program_label": "Capital One Miles (US)",
      "partner_program": "british_airways_club",
      "partner_label": "British Airways Club",
      "partner_type": "airline",
      "bank_units": 1,
      "partner_units": 1,
      "ratio_display": "1:1",
      "min_transfer_bank_points": 1000,
      "transfer_increment_bank_points": 1000,
      "notes": "Listed under Capital One 1:1 airline partners.",
      "restrictions": "Eligible Capital One travel/business rewards cards. Name must match loyalty account. Transfers final. Partners subject to change per Capital One footnote.",
      "ratio_confidence": "official",
      "source_ids": [
        "capital_one_transfer_guide"
      ],
      "as_of": "2026-11-06"
    },
    {
      "id": "capital_one__cathay_asia_miles",
      "bank_program": "capital_one_miles",
      "bank_program_label": "Capital One Miles (US)",
      "partner_program": "cathay_asia_miles",
      "partner_label": "Cathay Pacific Asia Miles",
      "partner_type": "airline",
      "bank_units": 1,
      "partner_units": 1,
      "ratio_display": "1:1",
      "min_transfer_bank_points": 1000,
      "transfer_increment_bank_points": 1000,
      "notes": "Listed under Capital One 1:1 airline partners.",
      "restrictions": "Eligible Capital One travel/business rewards cards. Name must match loyalty account. Transfers final. Partners subject to change per Capital One footnote.",
      "ratio_confidence": "official",
      "source_ids": [
        "capital_one_transfer_guide"
      ],
      "as_of": "2026-11-06"
    },
    {
      "id": "capital_one__flying_blue",
      "bank_program": "capital_one_miles",
      "bank_program_label": "Capital One Miles (US)",
      "partner_program": "flying_blue",
      "partner_label": "Flying Blue",
      "partner_type": "airline",
      "bank_units": 1,
      "partner_units": 1,
      "ratio_display": "1:1",
      "min_transfer_bank_points": 1000,
      "transfer_increment_bank_points": 1000,
      "notes": "Listed under Capital One 1:1 airline partners.",
      "restrictions": "Eligible Capital One travel/business rewards cards. Name must match loyalty account. Transfers final. Partners subject to change per Capital One footnote.",
      "ratio_confidence": "official",
      "source_ids": [
        "capital_one_transfer_guide"
      ],
      "as_of": "2026-11-06"
    },
    {
      "id": "capital_one__qatar_privilege_club",
      "bank_program": "capital_one_miles",
      "bank_program_label": "Capital One Miles (US)",
      "partner_program": "qatar_privilege_club",
      "partner_label": "Qatar Airways Privilege Club",
      "partner_type": "airline",
      "bank_units": 1,
      "partner_units": 1,
      "ratio_display": "1:1",
      "min_transfer_bank_points": 1000,
      "transfer_increment_bank_points": 1000,
      "notes": "Listed under Capital One 1:1 airline partners.",
      "restrictions": "Eligible Capital One travel/business rewards cards. Name must match loyalty account. Transfers final. Partners subject to change per Capital One footnote.",
      "ratio_confidence": "official",
      "source_ids": [
        "capital_one_transfer_guide"
      ],
      "as_of": "2026-11-06"
    },
    {
      "id": "capital_one__singapore_krisflyer",
      "bank_program": "capital_one_miles",
      "bank_program_label": "Capital One Miles (US)",
      "partner_program": "singapore_krisflyer",
      "partner_label": "Singapore Airlines KrisFlyer",
      "partner_type": "airline",
      "bank_units": 1,
      "partner_units": 1,
      "ratio_display": "1:1",
      "min_transfer_bank_points": 1000,
      "transfer_increment_bank_points": 1000,
      "notes": "Listed under Capital One 1:1 airline partners.",
      "restrictions": "Eligible Capital One travel/business rewards cards. Name must match loyalty account. Transfers final. Partners subject to change per Capital One footnote.",
      "ratio_confidence": "official",
      "source_ids": [
        "capital_one_transfer_guide"
      ],
      "as_of": "2026-11-06"
    },
    {
      "id": "capital_one__turkish_miles_smiles",
      "bank_program": "capital_one_miles",
      "bank_program_label": "Capital One Miles (US)",
      "partner_program": "turkish_miles_smiles",
      "partner_label": "Turkish Airlines Miles&Smiles",
      "partner_type": "airline",
      "bank_units": 1,
      "partner_units": 1,
      "ratio_display": "1:1",
      "min_transfer_bank_points": 1000,
      "transfer_increment_bank_points": 1000,
      "notes": "Listed under Capital One 1:1 airline partners.",
      "restrictions": "Eligible Capital One travel/business rewards cards. Name must match loyalty account. Transfers final. Partners subject to change per Capital One footnote.",
      "ratio_confidence": "official",
      "source_ids": [
        "capital_one_transfer_guide"
      ],
      "as_of": "2026-11-06"
    },
    {
      "id": "capital_one__virgin_red",
      "bank_program": "capital_one_miles",
      "bank_program_label": "Capital One Miles (US)",
      "partner_program": "virgin_red",
      "partner_label": "Virgin Red",
      "partner_type": "airline",
      "bank_units": 1,
      "partner_units": 1,
      "ratio_display": "1:1",
      "min_transfer_bank_points": 1000,
      "transfer_increment_bank_points": 1000,
      "notes": "Listed under Capital One 1:1 airline partners (Virgin Red).",
      "restrictions": "Eligible Capital One travel/business rewards cards. Name must match loyalty account. Transfers final. Partners subject to change per Capital One footnote.",
      "ratio_confidence": "official",
      "source_ids": [
        "capital_one_transfer_guide"
      ],
      "as_of": "2026-11-06"
    },
    {
      "id": "capital_one__emirates_skywards",
      "bank_program": "capital_one_miles",
      "bank_program_label": "Capital One Miles (US)",
      "partner_program": "emirates_skywards",
      "partner_label": "Emirates Skywards",
      "partner_type": "airline",
      "bank_units": 2,
      "partner_units": 1.5,
      "ratio_display": "2:1.5",
      "min_transfer_bank_points": 1000,
      "transfer_increment_bank_points": 1000,
      "notes": "Capital One page: 2:1.5 group (1000 Cap One miles \u2192 750 partner miles).",
      "restrictions": "Eligible Capital One travel/business rewards cards. Name must match loyalty account. Transfers final. Partners subject to change per Capital One footnote.",
      "ratio_confidence": "official",
      "source_ids": [
        "capital_one_transfer_guide"
      ],
      "as_of": "2026-11-06"
    },
    {
      "id": "capital_one__jal_mileage_bank",
      "bank_program": "capital_one_miles",
      "bank_program_label": "Capital One Miles (US)",
      "partner_program": "jal_mileage_bank",
      "partner_label": "Japan Airlines Mileage Bank",
      "partner_type": "airline",
      "bank_units": 2,
      "partner_units": 1.5,
      "ratio_display": "2:1.5",
      "min_transfer_bank_points": 1000,
      "transfer_increment_bank_points": 1000,
      "notes": "Capital One page: 2:1.5 group.",
      "restrictions": "Eligible Capital One travel/business rewards cards. Name must match loyalty account. Transfers final. Partners subject to change per Capital One footnote.",
      "ratio_confidence": "official",
      "source_ids": [
        "capital_one_transfer_guide"
      ],
      "as_of": "2026-11-06"
    },
    {
      "id": "capital_one__jetblue_trueblue",
      "bank_program": "capital_one_miles",
      "bank_program_label": "Capital One Miles (US)",
      "partner_program": "jetblue_trueblue",
      "partner_label": "JetBlue TrueBlue",
      "partner_type": "airline",
      "bank_units": 5,
      "partner_units": 3,
      "ratio_display": "5:3",
      "min_transfer_bank_points": 1000,
      "transfer_increment_bank_points": 1000,
      "notes": "Capital One page: JetBlue offers a 5:3 conversion ratio (1000 \u2192 600).",
      "restrictions": "Eligible Capital One travel/business rewards cards. Name must match loyalty account. Transfers final. Partners subject to change per Capital One footnote.",
      "ratio_confidence": "official",
      "source_ids": [
        "capital_one_transfer_guide"
      ],
      "as_of": "2026-11-06"
    }
  ]
}