How (and why) you should regularly audit your loyalty accounts
Editor's Note
Growing up as the son of an accountant, I learned the importance of verifying credits and debits from a young age. This mindset extends to my loyalty accounts as well.
There are numerous opportunities to make the most of your travel rewards. However, this game assumes you will earn and redeem points at the expected rates set by travel providers.
Unfortunately, there are plenty of instances where entire flights or hotel stays fail to be credited to our accounts. Therefore, regularly examining and assessing our loyalty accounts' accuracy is crucial. Mistakes, more often than not, tend to work against us as customers.
Here's how and why you should conduct audits of your loyalty accounts.
How to audit your accounts
Conducting audits of your loyalty accounts can vary in difficulty depending on the level of accuracy you seek. For instance, when it comes to flights, a simple check to ensure that Premier qualifying points, Loyalty Points or Medallion Qualification Dollars align roughly with the ticket price is easier than manually verifying each lifetime flight mile.
I may go a bit overboard, but I check my major loyalty accounts nearly every day, since I spend significant time traveling. It is crucial to me that I receive proper credit for my journeys. When flying, paying extra attention to your frequent flyer accounts is essential, especially when traveling with partner airlines. TPG staffer Nick Ewen encountered difficulties getting Delta SkyMiles to accurately credit miles for a SkyTeam partner flight in the past, while I've experienced mileage mishaps by crediting Star Alliance partner flights to United MileagePlus.
In the realm of hotels, I have observed that certain brands are more dependable when accurately posting stays. Hilton Honors, for example, has never made an error in my Hilton Honors account. World of Hyatt generally posts my stays correctly, but sometimes the qualifying revenue is incorrect, resulting in fewer earned points.
On the other hand, I've had multiple issues with Marriott Bonvoy, including instances of entire stays not being posted or significant discrepancies in qualifying revenue.
TPG staffers have also experienced errors with IHG One Rewards. One had an IHG stay in Iceland credited as 316 Icelandic krona (~$2.39) instead of $316. He promptly contacted IHG through online messaging, and the issue was swiftly resolved.
Since points are typically earned based on total spending, errors in qualifying revenue can significantly impact the overall points accumulation.
As a result, I have learned to pay special attention to the less reliable loyalty programs.
Related: Here’s why you should always double-check your hotel bill
Why you should audit your accounts
One of the most compelling examples of why you should always audit your accounts came from my 2022 stay at Hotel Paseo, Autograph Collection in Palm Desert, California.
Although I stayed in early February, the stay was never posted to my Marriott Bonvoy account. I booked the stay directly through Marriott, and it was an eligible rate to earn Marriott Bonvoy points. My Ambassador Elite membership was also linked to the reservation.
I waited a month for the stay to be posted to my account, and it never happened. This prompted me to contact Marriott Bonvoy using this form, which you can do if your stay hasn’t been posted within 10 business days of your checkout date.
Fortunately, Marriott swiftly resolved this mistake, and the stay was posted the same day I submitted the form.
Almost 20,000 points and three elite qualifying nights were completely missing from my account — the points alone are worth $166.68 by our valuations. Although it was likely a system error at fault, this was decidedly not in my favor — and without an audit, it would've gone unnoticed.
Related: Why I always charge my meals, gifts and spa treatments to my hotel room
For an example from airline loyalty programs, I have a friend who has traveled to India multiple times using his MileagePlus account on Air India-issued tickets. On different trips, the miles haven’t been awarded to his MileagePlus account in several cases. When this happens, you will need to submit a request for missing miles with United. But don’t expect to be done there.
Although the Air India ticket numbers were provided on the ticket receipt to United, United could not locate the flights using its Star Alliance partner ticket search. As a result, an email from United made it clear that it would be unable to credit these flights without a physical boarding pass for each sector. Luckily, he had copies of the boarding passes, which were submitted, and the miles were posted.
Because of situations like this, I’ve learned to keep my boarding passes for partner flights until the miles post.
Bottom line
It's an unfortunate reality that mistakes happen when it comes to earning points or miles for your travel activity — regardless of the underlying cause. Failing to conduct regular audits puts you at risk of missing out on what you rightfully deserve, which can be extremely frustrating and leave you feeling deceived.
Just as you ensure that transactions on Venmo and PayPal are accurately reflected in your bank account, verifying that your travel activities are being properly recorded is equally important. If you're unsure about what you should earn, we recommend referring to our beginner's guide and consulting each travel provider you engage with.
Pay attention to detail and meticulously review your records. Keep all of your airline boarding passes until your rewards post — especially when traveling on partner carriers. And when you do come across a clear mistake, submit a request to fix it as soon as possible.
The first time you identify (and ultimately correct) an error, you'll immediately see the benefits of this practice.
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.