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I am excited to announce the launch of my new credit card advisor, the TPG MaximizerTM! The TPG Maximizer is a dynamic new tool that allows you to plug all of your cards into one place, and will help you maximize your earnings on your current spend for the travel rewards you want. The TPG Maximizer is powered by Wallaby, and we have been working together for months on this new product that can provide you with more analytics into your spend and which credit cards that will help you maximize every dollar you spend. This is a beta version so we are looking forward to your feedback and making this tool as smart as possible.
Every couple of months I research what new credit cards I should apply for, and it is often a complicated process to tell which card is best for my spending patterns and lifestyle. This is where the TPG Maximizer comes into play. It takes just a few moments to set up and it will help you increase your potential to earn rewards by suggesting the right card based on your current spend.
To begin, visit maximizer.thepointsguy.com and create an account.
Next you will be given the option to link your credit card logins so the tool scan analyze your spend. I assure you that the TPG Maximizer is a secure site and your information will be protected by bank-level security that will simply give read access to your spend. Connecting your bank will help us give you a more accurate recommendation, but if you wish to skip this step you can scroll to the bottom of the page and simply tell us what credit cards are in your wallet be selecting ‘Add Cards by Type.’
After loading your wallet, you will be taken to a short quiz to help us determine your goals so we can better understand your interests and spending habits.
If you choose to ‘Add Cards by Type’ instead of connecting your banks you will also be asked to provide your annual household income which will be used to come up with a baseline for how much you spend per month on things like dining, groceries, gas, clothing etc. These values can be altered if you feel they are incorrect.
Once you complete this section, Maximizer will analyze your data and recommend four cards that could bring you even more rewards than what you’re currently earning. You will be able to check out the recommended card’s features, sign-up bonus and any extra amenities that come with the card and you can also apply for the card right from the TPG Maximizer.
Additionally the TPG Maximizer will show you a comparison of the rewards you would earn over one year, comparing your current wallet with your new wallet (using the recommended card) and using an estimate based on your spending from the last 90 days. Note: We are only able to categorize expenses based on what the credit card companies provide. Certain expenses from different issuers may be categorized differently or left as ‘other’.
At this time we are linking directly with the credit card companies to provide this tool so the recommender will not always show the best offers on the market since many are not officially advertised. I’m working to get all top offers included in Maximizer, but in the meantime I would recommend that you still check out our Top Deals page. Ideally I would like to offer more lucrative targeted offers through The TPG Maximizer so stay tuned while we continue to make enhancements.
TPG POINT VALUATIONS
As part of this tool, I was able to put in my valuations of major frequent flyer/hotel/credit card currencies. For example I value Starwood points at 2.3 cents, Chase Ultimate Rewards at 2.2 cents and American Express Membership Rewards points at 2 cents a piece. I have the ability to edit these valuations over time as programs devalue and I am going to update them at least monthly with a blog post explaining why I changed certain programs. Your personal valuation is likely different than mine, but I wanted to give weight to the programs that provide more flexibility. If you disagree with any of my valuations, feel free to share your feedback. The beauty of TPG Maximizer is that it will evolve over time and is a product of the TPG community.
|Hilton HHonors Point||0.005|
|American Express Membership Rewards Points||0.02|
|JetBlue TrueBlue Point||0.0122|
|Virgin America Elevate Points||0.02|
|Citi ThankYou Points||0.0125|
|Chase Ultimate Rewards Points||0.022|
|Southwest Airlines Rapid Rewards Points||0.014|
|United MileagePlus Miles||0.017|
|British Airways Avios Points||0.015|
|Marriott Rewards Points||0.007|
|The Ritz-Carlton Rewards||0.007|
|Hyatt Gold Passport Points||0.018|
|Fairmont President’s Club||0.01|
|Amtrak Guest Rewards||0.015|
|American Airlines AAdvantage Miles||0.018|
|AeroMexico Club Premier Mile||0.01|
|Frontier Airlines Early Returns Miles||0.015|
|Alaska Airlines Mileage Plan Miles||0.019|
|Virgin Atlantic Flight Club Miles||0.01|
|Asiana Airlines Miles||0.012|
|Spirit Airlines Miles||0.01|
|Hawaiian Airlines Miles||0.012|
|IHG Rewards Club Points||0.006|
|US Airways Dividend Miles||0.018|
|Aer Lingus Miles||0.01|
|Choice Privileges Points||0.007|
|Club Carlson Hotel Reward Program||0.0065|
|Visions Air Miles||0.01|
|Foothill Rewards Points||0.01|
|Air Canada Aeroplan||0.015|
|Singapore Airlines KrisFlyer||0.016|
|Cathay Pacific Asia Miles||0.013|
|REC Rewards Points||0.01|
|Bank of America World Perks||0.01|
|US Bank Flexperks||0.016|
TPG MAXIMIZER GIVEAWAY
To celebrate the launch of the TPG Maximizer, we are giving one lucky reader the chance to win a brand new iPad Mini with Retina Display! Compare your cards and maximize your life while using this Space Grey iPad Mini valued at $399.
To enter this contest all you have to do is tweet me @ThePointsGuy using #TPGMaximizer telling me where you want to go with your new maximized miles and points. Is it a trip to Aruba on Southwest, or perhaps United GlobalFirst to Sydney like I flew last week? Whatever it is, let me know by on Twitter by 5pm ET on Monday, March 3rd and make sure you use the correct hashtag to be eligible.
The winner will be chosen at random and announced next week. Good luck!
With some great bonus categories, the American Express Gold Card has a lot going for it. The card offers 4x points at US restaurants, at US supermarkets (up to $25,000; then 1x), and 3x points on flights booked directly with airlines or through amextravel.com. It is currently offering a welcome bonus of 35,000 bonus points after you spend $2,000 in the first three months.
- Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
- Earn 4X Membership Rewards® points at U.S. restaurants. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- Earn up to $10 in statement credits monthly when you pay with The Gold Card at Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth's Chris Steak House. This is an annual savings of up to $120. Enrollment required.
- $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
- Choose to carry a balance with interest on eligible charges of $100 or more.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms apply.
- See Rates & Fees