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Get Schwab platinum. Redeem for 1.25x into your Roth IRA
That 200K would turn into $2,500. Not bad.
British Airways
Or Avianca if flying United. Probably a few other options (like using air canada/Singapore , Korean/virgin Atlantic for delta). Figure out which route you want to fly then research the alliance program transfer partners/look for availability.
Have had reasonable success with transfer to Avianca Lifemiles for domestic UA flights. After I book I call UA and have them associate my MileagePlus number so I get status bennies.
Book a flight worth more than 200k points, cancel it within 24 hours, the points essentially get cashed to 2000 dollars in your account ;)