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Delta or virgin Atlantic or American are your best best domestically
I would transfer points directly.
If card fees is the concern, the amex everyday is a no fee card, allows you to keep amex points until you want to transfer them elsewhere
Transfer to Avios to use in future on American and their bevy of partners (yes even with coming devaluation)
So what I am hearing is that it’s better to transfer points to an airline than cash out for gift cards. Curious the same thing!!
Almost always if you plan to fly
The trade-off for Hilton points is decent right now as well 1000 Amex for 2200 Hilton
Transfer to flying club. They have a 30 percent transfer bonus rn.