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Capital One vs. Amex MR (Personal)
On the published numbers, Amex MR (Personal) carries the higher valuation, but the right answer depends on where you actually fly or stay.
At a glance
| Capital One | Amex MR (Personal) | |
|---|---|---|
| TPG valuation | 1.9¢ | 2.0¢ |
| NerdWallet valuation | — | — |
| Currency | Transferable | Transferable |
| Expiration | Does not expire | Does not expire |
| Parent | Capital One | American Express |
Capital One Miles
Capital One verifies large transfers by sending push notifications and SMS codes to the cardholder. We coordinate the transfer authentication with you in real time during the verification call to ensure the process completes smoothly.
- Turkish ANA First Class, US to Tokyo one-way:80,000 to 100,000miles via Turkish Miles&Smiles
- Avianca LifeMiles Lufthansa First:80,000 to 100,000miles via Avianca LifeMiles
- Cathay Asia Miles Cathay First, US to Hong Kong:85,000 to 105,000miles via Cathay Pacific Asia Miles
Amex Membership Rewards (Personal)
We specialize in liquidating high-value Amex balances. Our team coordinates with you directly by phone to ensure a smooth, secure transfer process, keeping your account details completely confidential.
- ANA First Class via Virgin Atlantic:85,000 to 100,000points via Virgin Atlantic Flying Club
- Singapore Suites, US to Singapore via Frankfurt:125,000 to 155,000points via Singapore KrisFlyer
- Delta One, US transcon:60,000 to 90,000points via Delta SkyMiles
When to sell either for cash
If neither balance lines up with a redemption that beats its cash value, selling is the move. The payout is personalized, so check a quote for whichever balance you are sitting on.
FAQ
Frequently Asked Questions
Common questions, answered straight.
Independent valuations put Capital One near 1.9 cents and Amex MR (Personal) near 2.0 cents. A valuation is an average, though. What you get depends on the specific redemption you can book.
Not directly. These are separate programs. The transferable one moves to airline and hotel partners, but not to the other.
If you do not have a redemption that beats the cash value, selling can win for either. The payout is personalized to your balance, so request a quote to compare it against what you could book.
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