Composite = Value 38×.35 + Stability 80×.25 + Liquidity 6×.20 + Consistency 33×.10 + Drag 15×.10 = 39.1.
Audit trail. Median computed from 28 priced corridors across 2 distinct chart cells (a chart cell = one points price × cabin). Pricing basis: chart. Value source: v5.3 route database — premium long-haul 4.6¢ on 14 routes (weight 70%) · everyday (economy + short-haul) 1.5¢ on 14 routes (weight 30%). Surcharge drag: 12.8%. Coverage is Thin — rating capped at AA and flagged Under Review: a median built on ≤2 chart cells is one observation, not a distribution.
66K business to Copenhagen/Stockholm off-peak — solid if you can earn it, hard to recommend accumulating
No US bank currency transfers in — earn direct or via co-brand card only; funding velocity is the binding constraint
none
Scandinavia business is fine off-peak
Post-SkyTeam-move partner map still settling; no funding path
| Index | Rating | Score | Median (net) |
|---|---|---|---|
| Master | B | 39.1 | 3.68¢ |
| Domestic USA | not researched | — | — |
| International | B | 39.1 | 3.68¢ |