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TPG staff members share their 2022 credit card New Year’s resolutions

Jan. 03, 2022
18 min read
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Now that we're a few days into the new year, many of us are looking forward to the prospect of earning thousands of points and miles throughout 2022.

Here are eight TPG staffers' credit card resolutions as we get to finally make our bucket-list trips happen this year (fingers crossed).

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Stella Shon, reporter

 

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A question I always ask myself periodically is, "How can I earn the maximum number of points and miles possible?" After a quick glance at my wallet, I'm generally pretty happy with how I'm maximizing my everyday purchases to accrue thousands of points and miles every year.

But a big area of opportunity remains: rent. Next year, I'm thinking of applying for the Bilt Mastercard, the first-ever credit card that lets you earn points and miles for rent. Some of the Bilt program's transfer partners — including American Airlines AAdvantage and World of Hyatt — are too lucrative to ignore.

(Editor’s note: TPG founder Brian Kelly is a Bilt advisor and investor.)

Related: Five ways to pay your rent or mortgage with a credit card

Chris Dong, reporter

 

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2022 is the year I start trimming the fat on cards I don’t really find useful. For instance, the American Express® Green Card that has been sock drawered for a couple of years is getting the axe.

The information for the Amex Green has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

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Related: Can you downgrade and then upgrade the same card?

Benji Stawski, reporter

 

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I haven’t opened many new credit cards recently so I’m currently under Chase’s 5/24 count (meaning I haven’t opened more than five new cards in 24 months). Assuming we see more big sign-up bonuses from Chase in 2022, I plan to jump on them and take full advantage of these open slots.

I also don’t have any Capital One cards yet so I have my eyes on the Capital One Venture X Rewards Credit Card, though I likely won’t apply for it until I’ve maxed out my 5/24 limit with Chase.

Related: Who should (and shouldn’t) get the Capital One Venture X card?

Katie Genter, senior reporter

 

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I'm actually pretty happy with my current credit card portfolio. But, I expect I'll downgrade some cards to no-annual-fee versions if their annual fee comes due and I can't justify paying it. And I expect I'll add a few new cards to my wallet if they offer spectacular bonuses or perks.

Additionally, if I decide to requalify for high-tier American Airlines elite status in 2022, I'll need an American Airlines credit card to help me earn Loyalty Points. So, my next card will likely be the AAdvantage Aviator Red Mastercard, which I'll hopefully be able to upgrade to the AAdvantage Aviator Silver World Elite Mastercard.

The information for the AAdvantage Aviator Red and AAdvantage Aviator Silver cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: The ultimate guide to getting upgraded on American Airlines

Juan Ruiz, editor

 

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I took an app-o-rama hiatus (when you apply for several cards in a short period of time) in 2021 but next year I intend to apply for a handful of cards and increase my points and miles balances to keep up with my growing family. Now that I'm under 5/24, the sky's the limit on which generous welcome offers I'm going to target in the new year.

Related: Four easy strategies I use to earn over 500,000 points and miles a year

Madison Blancaflor, editor

 

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I think 2022 is the year I finally get a premium credit card with lounge access. After a recent, unexpected eight-hour layover, I’ve decided that lounge access is a good thing to have in my back pocket for future delays or unexpected complications during multi-segment trips.

Related: Guide to accessing the American Express Centurion Lounges

Benét Wilson, senior editor

 

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Now that I’ve fully committed to World of Hyatt, I think it’s time to sign up for that chain’s credit card (the World of Hyatt Credit Card) once I get from under Chase’s 5/24 in April 2022.

Related: Why I dropped Marriott after 35 years of loyalty

Erica Silverstein, senior editor

(Photo by Erica Silverstein)

My goal is to find a new credit card or two that will help me earn free travel for my family and give me travel perks like lounge access for the work travel I do. But I want to do this without overpaying for the privilege of owning a credit card, since I won't be traveling every month and tend to stay in vacation rentals more than hotels.

Related: How to find and book an Airbnb for your next road trip

Bottom line

It shouldn't come as a surprise that many of our staffers have their sights set on new credit cards to help them earn more welcome bonuses and rewards on everyday purchases in the new year. Remember though, if your resolutions include improving your credit score or refinancing your debt, be sure to make these goals a priority before chasing your next travel credit card.

Featured image by There are all sorts of cards you can apply for, so make sure you pick a few that align with your spending habits. (Photo by Isabelle Raphael/The Points Guy)
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
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TPG featured card

Best premium travel card for value
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

1 - 10X points
10xEarn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5xEarn 5x total points on flights through Chase Ultimate Rewards®.
3xEarn 3x points on other travel and dining.
1xEarn 1 point per $1 spent on all other purchases

Intro offer

80,000 bonus points
Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®

Annual Fee

$550

Recommended Credit

740-850
Excellent
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

If you are looking to take your premium rewards to the highest level, this card is really a no brainer in our eyes. Chase's Ultimate Rewards make points easy to redeem, with a wide range of 10 airline and three hotel transfer partners and a friendly user interface. Despite the high annual fee, Chase is consistently adding new benefits to keep the card competitive in a fierce premium rewards field.

Pros

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • Unlimited 3x points on the broad category of travel and dining
  • 50% more value when you redeem your points for travel through Chase Ultimate Rewards®
  • Broad definitions for travel and dining bonus categories

Cons

  • Steep $550 annual fee
  • May not make sense for people that don't travel frequently
  • You must spend the $300 travel credit before earning 3x points for travel and dining
  • No automatic hotel elite status
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,200 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Best premium travel card for value
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10xEarn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5xEarn 5x total points on flights through Chase Ultimate Rewards®.
3xEarn 3x points on other travel and dining.
1xEarn 1 point per $1 spent on all other purchases
  • Intro Offer
    Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®

    80,000 bonus points
  • Annual Fee

    $550
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    740-850
    Excellent

Why We Chose It

If you are looking to take your premium rewards to the highest level, this card is really a no brainer in our eyes. Chase's Ultimate Rewards make points easy to redeem, with a wide range of 10 airline and three hotel transfer partners and a friendly user interface. Despite the high annual fee, Chase is consistently adding new benefits to keep the card competitive in a fierce premium rewards field.

Pros

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • Unlimited 3x points on the broad category of travel and dining
  • 50% more value when you redeem your points for travel through Chase Ultimate Rewards®
  • Broad definitions for travel and dining bonus categories

Cons

  • Steep $550 annual fee
  • May not make sense for people that don't travel frequently
  • You must spend the $300 travel credit before earning 3x points for travel and dining
  • No automatic hotel elite status
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,200 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more