Here's the situation: 105K BAEC miles 103K MR Points Expected BA Visa spend by EOY: 30K. Is the 40% bonus of transferring worth the lack of flexibility in moving points later on? I'm NYC based and have yet to go to S. America or Africa and would also like to go to Japan. I'll have some other AA miles (150K maybe?) sitting around. I'm just not sure how to manage the transfers. I don't use the Amex gold, but have been paying the fee to keep the card active.