Surprising/interesting that your transfer ration is "inverted," so to speak, rather than getting more points for more miles. From comments over time, it seems like most people have had it the other way, where you get more if you redeem in larger chunks. In my own case. for example, values range from 1000 points for $25 (40/$) to 7000 points for $100 ($70/$), with $50 and $75 intermediate in value. Mrs FTF joined later and her top redemption costs more ($125), but it's still a better value as you spend more.

But by all means get your e-rewards dollars to work in some account because you never know what the future holds in this program.
FTF