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Here we go.

This is not your typical frequent mile on the air episode. This is a standalone segment we're calling

coffee break. Each coffee break segment will cover a single topic related to miles and points.

And each coffee break is limited to 20 minutes or your money back. Enjoy. For today's coffee break, Nick and I are going to debate the 30% Amex to Hilton transfer

bonus should we do it? There's a 30% transfer bonus through September 30th from your

Amex membership rewards points to Hilton. And normally when you transfer Amex points to

Hilton, they transfer 1 to 2,000 Amex points, become 2,000 Hilton points. But during the transfer

bonus, because it's 30% more, 1,000 amex points become 2,600 Hilton points.

Now, when you look at the fact that Hilton points are often on sale for half a cent each,

that brings the, you know, if you think of it as you're getting half a cent value per point from your Hilton points, hilton points then that that brings this redemption the

transfer of points to it's like it's like getting 1.3 cents per point um value from your amex points

most most years historically there have been around two transfer bonuses per year to Hilton.

And I looked at some of the past ones the last several years.

30%, which we have right now is the most common.

That's what we see a lot.

There was, though, a targeted 40% bonus in May of this year.

And during the pandemic, we had a 50% bonus at one point. And back in 2019, we had a targeted situation where you either got a 40% or 50% bonus. So we have seen better than this, but still 30% is the most common. So we're going to debate this. Nick is not sold on this transfer bonus. What do you think, Nick? No, I'm not. Yeah. So and, you know, you said we're going to talk about whether or not we should do it and more importantly, whether or not you, the listener, should do it. And I'm going to tell you no, don't do it. And there's a few

reasons why. The first reason why is because if we accept Greg's math, as he laid it out here, which is the math that we always do. I say Greg's math, really, it's our math. We always have agreed on that sort of way of looking at this. I'm going to argue it in a second. but but let's a second say, okay, the 1.3 cents that Greg said

is about what you're getting in value for your MX points. That's a low value use of

MX points. You can do much better. If you transfer to airline partners and book flights, even in

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