Booking New York–Montego Bay with points starts with the cabin, then the program. Here the lowest economy price is also the quickest trip: a Delta nonstop booked through the airline's own program. Taxes and fees on that seat run about $50, in line with the route's typical economy taxes. Business runs about 7 times the economy price. A nonstop first-class seat undercuts business here, so price it before settling. Delta SkyMiles is a bank-points transfer partner, but transfers are one-way, so confirm the seat before moving anything.