Originally Posted by
Duke787
.....Limit is 50k a year at a 1:1 ratio so 50k UA to 50k MR to 16.6k SPG to 16.6k Delta (or wait until you have at least 20k SPG so you can transfer and get bonus 5k for 25k Delta)...
Wow! Thank you for pointing this out. ^ I didn't realize there is a way and transfer ratio is better than I had expected. Of course, 3:1 ratio is still only for the desperate.