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Don't forget the transfer goes both ways. Which means if it is not 1:1 then any points earned in your Kris account will be worth a lot more velocity points. For example say you have a plat. edge Amex earning 3 points at supermarkets and you can transfer those points into Kris at 1:1 then into Velocity at 1:2 then you are earning 6 points towards velocity for every doller spent at supermarkets.