American Airlines loyalist creates app to help flyers maximize point earning
Like most American Airlines frequent flyers, Razzak Memon's interest was piqued when he learned last fall about the carrier switching its AAdvantage program to a new Loyalty Points currency.
An entirely new point-awarding system was big news to Memon, considering he flies some 250,000 miles every year and is a member of American’s most prestigious elite status designation.
So he set out on a mission to understand and help other travelers decode the new Loyalty Points system through which AAdvantage members now earn status through a combination of spending on flights, with co-branded credit cards, and through the loyalty program’s eShopping portal.
It’s one thing to do your homework. Memon, though, had the means to do a whole lot more than that. As the owner of two technology companies, he had a web development team at his disposal as he set out to uncover his – and others’ – points-earning potential when booking a Oneworld flight.
That mission has now taken shape as a new internet-based application called the Loyalty Points Calculator.
The site is live now for you to use — and Memon hopes it helps. Even better, he’s not asking for a single dime in support or as much as an email address to use it.

the man behind the app
Most TPG readers probably have a favorite airline or hotel chain. However, Memon takes loyalty to a whole new level when it comes to his flying habits.
For more than 30 years, he’s been intensely loyal to the Oneworld Alliance — first with US Airways, then American Airlines after the two carriers merged. That he can claim to be a Concierge Key member with American Airlines says a lot. When you talk with him, though, it becomes clear his passion for the airline goes beyond that.
“You can call me crazy, you can call me anything, but I am who I am,” Memon told TPG. “I just love American Airlines.”
A big reason he has such rich loyalty to an airline is because he spends a whole lot of time on airplanes.
His job has taken him across the country and around the world many times over during a three-decade career that’s been anchored by his ownership of two technology companies, including Pennsylvania-based R:BASE. An Arizona native, Memon spends many hours on flights between the Southwest and his offices, as well as on business trips throughout the U.S. His work also frequently takes him to Europe and Asia several times each year.
As he’s built up status on American Airlines, Memon has simultaneously built a network of fellow loyalists of the carrier through social media. It’s a platform for sharing travel hacks and tips.
And as you might expect, a change as significant as the AAdvantage program’s March 2022 move to the Loyalty Point system was a big topic of discussion in recent months. What would it ultimately mean for travelers? How many points would you earn for a flight?
“So I decided to create an application,” Memon said.
Building the app
In the weeks and months after the AAdvantage program announced the particulars of its new Loyalty Points system in October 2021, Memon got his company’s web development team involved.
The team set out to build an app that would help travelers make ticket-purchasing decisions as they try to climb the AAdvantage program’s elite status ladder.
Today, the site is live with both a Microsoft desktop and web-based option for users.

The app, which Memon fittingly called the “Loyalty Points Calculator,” includes three main functions. It can show you the real mileage distance between two airports, in sync with what the airlines’ loyalty programs use to calculate flight distance. The program can show you how many Loyalty Points you’ll earn for a particular American or Oneworld partner flight. You can also tabulate multiple flight options to do side-by-side comparisons of your potential points earnings.
It's user-driven in the sense that you have to put in all your flight information — the airline, departure and arrival airports (and then allow the site to calculate the mileage distance between the airports). Additionally, you'll need to include the base ticket price, how much you actually spent on your flight if you used a co-branded credit card and the class of service.
Once that's done, you click "calculate" and the site will show you how many Loyalty Points you can expect to earn on that American or Oneworld partner flight.
Related: Your ultimate guide to American Airlines AAdvantage
Using the app
I put Memon’s app to the test by checking my earning potential. For the sake of simplicity, I looked at round trips between August 6 and 13 (a hypothetical summer vacation) from New York-John F. Kennedy International Airport (JFK) to London Heathrow Airport (LHR).
Let’s first plug the two airports into the app to calculate the actual mileage between them. According to the app, on a round trip between JFK and LHR you’ll fly 6,902 miles.

Next up, let’s see what an economy round trip between JFK and LHR would earn you on Loyalty Points.
On American’s site, the trip – operated by British Airways but booked through American – comes to $1,272 including all taxes and fees. However, under the Loyalty Points system, you only earn points on the basic fare ($691 in this case) and the carrier-imposed fees ($340). Taxes are excluded from points earnings. So, you’ll want to add up the $691 and $340 and take note of that sum ($1,031).

OK, back to the app. Below is the page where you enter your flight information. Let’s pretend I’m Gold status for the purposes of this exercise. That’s key because Gold members get a 40% bonus on whatever points and miles they earn on their flight, and that percentage increases as your status rises.
For the “airline” section, we’re obviously booking on American, and the fare code is economy. Really, if it’s an American flight, the fare code no longer matters for points earnings, because Loyalty Points are awarded based on spending, not class. It does matter if you’re booking on partner airline, though. (More on that later.)
Next up, base fare: That’s the number we saved a second ago — $1,031 for the trip including the fare itself and the carrier-imposed fees. Then comes the “AAdvantage Credit Card amount.” For this, you’ll put in the total amount you charged to a co-branded credit card for the flight, since you earn one Loyalty Point for every dollar you spend on a Citi/AAdvantage credit card. In this case, we spent $1,272.
Generally, for normal self-made bookings, you’ll leave the last section blank.
Then, you click "calculate."

The app shows us that we’ll earn 8,489 Loyalty Points for this trip.

Now, let’s compare that with the same exact trip – literally the same flights – booked through the British Airways website. The app will give you the opportunity to do a multi-segment/itinerary comparison now, and you can start putting in information for another trip.
For the same trip booked through British Airways, the pricing comes out exactly the same: $1,272 total, or $1,031 when you subtract the taxes. Also, with British Airways (and many other Oneworld carriers that aren’t American Airlines) you are going to want to take note of the fare class. Not just whether it’s “economy” or “premium economy,” etc., but the letter associated with the booking. In this case, that's “S.”

Let’s put that information into the app now. Still “Gold,” but switch the airline to “British Airways.” For fare code, this is where you’ll want to select “Economy (S).” Same fare and mileage information as before. Then click "calculate."

The app shows us that this round trip, booked on British Airways, would earn us 6,104 Loyalty Points.

The app then allows you to compare the options and how much you’d earn for each of them. While this example certainly does not mean you’d always earn more on American over a Oneworld partner, it is what the app says would happen in this particular case.
Memon calls this page the “highlight” of the app since it allows customers to do a side-by-side comparison and figure out how they can earn the most points for their flight choices.
“It’s just a calculator. It’s just an estimate,” he said. “It’s not going to tell you what to do or what not to do. It’s just giving you perspective."
Related: Here's why American's new Loyalty Points system is a game-changer for me

What does American Airlines say?
Memon said he tested the app extensively, working with both his development team and other American Airlines AAdvantage loyalists to root out kinks and bugs and verify its accuracy.
A lot of this, though, was based off information the airline has shared online, albeit often in fairly dense and often fine print.
“Everything is based upon what is already publicly available on the American Airlines website,” Memon said. He even showed the program to some American Airlines officials and got some feedback in an attempt to achieve peak accuracy.
We should note here that the app is not an official American Airlines product, and the airline has not endorsed the site.
TPG did reach out to airline officials looking to get their take on the site, though.
So far, the carrier has not responded.
Not looking for money or personal information
As you can see, a lot of time and effort went into building this site. Yet Memon made it clear he has no plans to add advertisements, collect personal information or attempt to make money off of the app.
Clearly, this was a fairly significant endeavor — especially for a flyer with 2 million-plus AAdvantage miles flown and lifetime peak status whether he ever steps on another plane or not.

Sitting in his Tucson, Arizona, home after recently returning from his latest international trip to Dubai, Memon said that this was really just a passion project. However, it's one he hopes will help other consumers make good decisions.
“This is a hobby,” he said. “And it’s free to everyone.”
Bottom line
Perspective is key when making decisions — and, as Memon himself pointed out, that’s what this app can give you. It’s not airline-endorsed and shouldn’t be treated as such. However, it does give you a tool to learn more about how the AAdvantage program’s new Loyalty Points system works, as well as how you might maximize it to your own benefit.
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended 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.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.

