This document provides information on airline and hotel transfer partners and ratios for various loyalty programs, as well as perks for co-branded credit cards from airlines and hotels. It lists transfer partners for programs like Aeroplan, SkyTeam, and OneWorld with typical transfer ratios of 1:1. It also outlines sign-up bonuses and elite status benefits from credit cards from Delta, American, Hilton, Marriott, and more. Category bonuses and companion ticket benefits of additional cards are mentioned.