About Window Seats Club

Window Seats Club is an independent reference for transferable credit card points in the US: American Express Membership Rewards, Chase Ultimate Rewards, Capital One Miles, Citi ThankYou, Bilt Rewards and Wells Fargo Rewards.

It exists for one moment: just before you move points. Transfers can't be undone, so the numbers have to be right, current and checkable.

What's here

Transfer partners. Every partner for all six programs, with the ratio, any card-dependent ratio, and transfer details. Each table shows its source and the date it was last checked. The comparison matrix shows which programs reach each partner.
Transfer bonuses. A ledger of every bonus. Each one has its source, its end date and time zone, and a confidence level. Ended bonuses stay in the history, so you can see how often each partner runs one.
Calculator. Break-even math for any transfer, using published valuations or your own.
Valuations. Monthly snapshots of the two most-cited points valuations, kept as a history.
What changed. Every partner change, devaluation, resolved discrepancy and correction, dated and sourced.
Data. Everything above as free JSON, CSV and calendar feeds.
Articles. Guides and analysis built on that data.

How this site is made

The research, data checks and first drafts are done by a team of six AI agents working under written rules that are published in summary in the editorial policy:

A data agent checks partner lists, ratios and bonuses against issuer and partner pages. It records each fact's source, the date it was checked, and a confidence level.
A research agent watches the market and writes briefs. Other publications are leads to check, never sources to copy.
A writing agent drafts articles from the site's own data.
A separate fact-checking agent opens every source again, re-derives every calculation, checks for copied text, and rejects pages that don't add anything useful.
A publishing agent merges only fact-checked work and confirms the live page.
An editor agent sets priorities and reports to the site's owner every week.

Automated checks then block publication if:

a bonus's math doesn't reconcile
an ended bonus would appear as active
a required source is missing
a link breaks the affiliate rules
a page claims a first-hand experience that isn't backed by the owner's own booking log
more than one new article would go live in a day

Every change to the data is kept in version history, and mistakes are listed publicly on the changes page.

Redemption write-ups describe only real bookings made by the site's owner.

What Window Seats Club is not

It isn't affiliated with American Express, Chase, Capital One, Citi, Bilt, Wells Fargo or any airline or hotel program. It doesn't sell award searches, and it doesn't give personal financial advice. Programs change ratios and award prices without notice. Confirm in your own account before you transfer.

Glossary

Base ratio. How many partner points or miles you get for a given number of your card points, with no bonus. Written as "1,000 : 800": 1,000 card points become 800 partner miles.

Transfer bonus. A temporary increase in what a partner gives you, written as a percentage. A 25% bonus on a 1:1 partner gives 1,250 miles per 1,000 points.

Effective ratio. The ratio including any active bonus. It's the number that matters on the day you transfer.

Per 1,000. Partner units you receive for 1,000 card points at the effective ratio. It puts partners with odd ratios (250 : 200, 500 : 500) on the same scale.

Card variants. Some programs give a worse ratio on cheaper cards (for example 1,000 : 700 instead of 1:1). The tables show the best ratio, with the others listed underneath.

Cents per point (¢ per point). What a redemption is worth per point: (cash price − taxes and fees) ÷ points × 100.

Fallback value. What you'd get for a card point without transferring, for example by booking through the card issuer's travel site. A transfer only makes sense if it beats your fallback.

Break-even value. The minimum value per partner unit for a transfer to beat your fallback: your fallback ÷ partner units per card point.

Valuation. A publication's estimate of what a point is typically worth. Valuations are opinions. This site shows two, The Points Guy and Frequent Miler, each dated, and lets you enter your own.

Transfer time. How long points take to arrive after you transfer. Times shown come from the issuer's own statement unless marked otherwise.

Corridor. One program-to-partner pair, such as Amex to Flying Blue. Corridor pages show that pair's bonus history.

Confidence levels.

Verified: confirmed on the issuer's or partner's own page, or in the owner's own card account.
Likely: reported by at least two independent publications but not yet on a primary source. Shown as unconfirmed.
Conflict: sources disagree. The page shows each claim and uses the earliest end date.