Thanks, the prices are all so close I may as well find a discriminating factor.
Lumo offer 10,000 velocity points at sign up then 6pts/$ but the non-velocity offer is 12% cheaper.
It does, but 10,000 points can be valued at $450
Then 6 points per $1 can be valued at $0.27, so a 27% return
Makes the extra 12% worth it, if you use the points for J long-haul redemption or other J type redemption
That's basically the conclusion I've come to. Also on the c/kwh they quote for the two plans, it doesnt calculate to me @ 12%, more like 6%, so i give up and will probably go Lumo Velcoity offer unless anyone thinks of anything better.