The Critical Points: 10 Problems Plaguing the Points and Miles Community
Each month in his column "The Critical Points," TPG Senior Points and Miles Contributor Richard Kerr presents his opinion on a loyalty program, card product or recent news that he believes is overlooked, unsung or the result of groupthink taking mass opinion in a direction with which he doesn't agree. His goal is not necessarily to convince you to agree with his position, but rather to induce critical thought for each of the topics and positions he covers.
There's a single word in the United States Navy that can make any officer or enlisted immediately shudder. If someone utters "critique," you instantly know it's a bad day. I've seen fighter jets towed into hangar doors, $10 million communication buoys get lost in rough seas and a sub that came to periscope depth directly in front of a 20,000-ton car shipping vessel, narrowly avoiding a collision. A critique was the first thing to take place after each of these incidents.
The "critique" is essentially an in-depth, self-assessment after an accident or near miss to find the root causes and place effective controls within a unit to ensure it never happens again. This self-assessment is a crucial part of the nuclear Navy and why it has been so successful, with 60 years of zero radiation spillage from hundreds of submarines, cruisers and aircraft carriers powered by nuclear reactors.
Unfortunately, in the points and miles community, we're almost entirely missing this self-assessment and rarely critique ourselves. Without self-assessment, we don't fully understand our flaws and cannot make ourselves a better, stronger, more long-term focused community. Today, I'll attempt a self-assessment and cover 10 problems I believe are plaguing the points and miles community. And yes, I am personally guilty of each and every one of these from time to time.
1. Earning Is Not the Only Side of the Equation
There are two opposite but equal parts of points and miles: earning and burning. The vast majority of the public's focus continues to be on earning as many points and miles as possible, but spending little to no time on maximizing these currencies. Unless your business is the rare exception able to generate credit card spend at will, you have to put equal time and effort into learning how to maximize your points and miles.
Yes, it can be complicated. Sure, it can be frustrating. And absolutely, it's time-consuming. But using (burning) your points and miles is the best part! Because the moment you're in business class and that jet bridge pulls back with you having paid less than $100, you're not going to remember all that effort. You're gonna think how amazing it is that you pulled this off.
2. Groupthink
For a community that hates lining up to board an airplane, we sure love lining up behind inadequate data to make conclusions and spread bad info. One data point from a crowdsourced message board, comment section or tweet is not adequate information to try and draw conclusions, much less publish a story about. Yet it appears that once a blogger makes a statement or a data point is shared on social media, everyone lines up behind that data as the new truth.
Stay independent in your thought process and strive to find the truth before accepting conjecture.
3. Newbie-itis

I often speak to people who make me believe they were born with a Delta SkyMiles account number printed on their birth certificate and learned stopover routing rules in elementary school. According to the way they treat newbies, there's no way they could have ever been one.
Let's all stop using the anonymity of comment sections and message boards to flame newbies and act like we know it all. Take a few minutes to point the eager learners in the right direction or congratulate them on their first redemption, rather than criticize how it could have been better. We were all there at one point and I bet you still remember a username, handle or real-life person who helped you find your way along the path.
4. Me, Me, Me
Unless you're flying a private plane and staying in a detached rental unit, you're going to have to deal with other passengers and hotel guests as well as hospitality staff. Commercial travel doesn't exist solely for each of us as singular customers — it exists so we can all get from point A to point B and we can all make the best of a hotel stay. Decry the selfish desires and look for opportunities to help your fellow traveler as well as the customer service agents.
5. What Was That Headline?
As my editors could tell you, I'm fairly awful at writing headlines from an informative standpoint. However, I won't write so-called "clickbait" headlines which overpromise and underdeliver. While such a headline may be good in the short run for traffic, over time your audience won't trust you and you'll lose your authenticity. This also applies to titling your message board and social media posts! Let's all choose our headlines more carefully.
6. The Case of the Vacant Carrier Surcharges
If we're going to talk about how much an award ticket costs, we need to also include carrier surcharges. (OK, if we're discussing flying British Airways on an award ticket, this is info we can safely assume everyone knows — BA's award charges are infamous.) But the required surcharges for most other programs aren't widely known and can be complex (for example: Aeroplan doesn't add extra surcharges on Swiss-operated flights).
So when those of us in the points and miles community talk about redemptions, we should always include carrier surcharges along with the cost of the ticket in miles. If you say an award ticket using Asiana miles to fly Lufthansa business from North America to Europe is only 40,000 miles, you cannot leave out the ~$400 in carrier surcharges. Yes, this means long hold times, HUCA (hang up call again) and a lot of effort, but it's what everyone in our community deserves if you're going to discuss the actual cost of an award ticket.
7. Is There a Shortcut?

Earning and maximizing loyalty points and miles is incredibly rewarding, but not easy, intuitive or effort-free. I get weekly reader comments asking for shortcuts in lieu of time spent studying and completing the trial and error process on airline award search engines. My least favorite comments are people blatantly telling me "that article you sent is too long and I didn't read it, but can you help me understand this?"
There's no shortcut to gaining knowledge. We all need to stop looking for shortcuts and decide for ourselves what level of effort — and therefore what level of outcome — we can accept.
8. What Compensation?
Every wrinkle in the sheets, hair in the shower, scuff on the door or crumb in the seat does not entitle us to compensation. Now, if a hotel gives a random stranger a key to your hotel room? Sure, then compensation is warranted. A three-hour mechanical delay? Yes. Losing your bag on a nonstop itinerary? Absolutely. However, I feel like more and more often, we points and miles aficionados enter a flight or hotel looking for something to be wrong so we can scurry to our desk and hit up the Twitter team or fill out the complaint form.
To a certain extent, this is the airline's and hotel's own fault for setting the precedent that a quick note about the closet door off its hinges will earn me 5,000 Hyatt points. I think both consumers and the companies need to back away from this model of compensation and truly only give something when a serious situation merits it. Your right as a consumer who's displeased with your experience is to speak with your wallet and not give the company any more money or business. Go to a flight or hotel with the expectation of enjoying it, rather than looking for something wrong to score bonus points or miles.
9. "I Always Email the GM"
There's a fairly new trend making its way around the points and miles circles I follow. It's now routinely suggested that everyone reach out to a property GM in the hopes of scoring an upgrade, property credit or other special treatment.
I have a few concerns with this. First, General Managers are busy people and have better things to do than answer an email with a made-up anniversary story to try and get a suite. Respect their position just like they respect you as a guest. Second, if everyone is now doing this for every hotel stay, the effect will very quickly be lost and everyone loses. If you really want a suite or better room, either pay for it or earn elite status.
On a final note, don't post outlandish pictures of your hotel suite without saying you contacted the property first asking for special treatment. It's important for people to understand legitimate avenues to these rooms via points, elite upgrades or elite status without having to ask you if pestering the GM was the only way you got the upgrade.
10. Ellipses Aren't Always Necessary
There's a grammatical plague overtaking the points and miles community I call the rogue ellipses. Head to any message board, Facebook group or comments section and you're guaranteed to see vast amounts of "...". The ellipses has become a staple of our online communication that routinely demonstrates a passive-aggressive, demeaning tone. If you have a point to make, just write it. You don't need to trail off with a smug "I told you so" effect or leave an ambiguous comment that shoots down the person you're responding to. We need to once again become effective communicators online — and the rogue ellipses have to go.
Bottom Line
Without a doubt, there are many who will read this and take offense to my observations. This initial wave of emotion happens to all of us (it certainly happened in life-or-death Navy critiques), but I implore you to let that initial reaction fade and take a hard look inside. I didn't include anything in the above that I haven't been personally guilty of at one time or another. It's hard to take a serious look and critique ourselves, and even harder to admit when we're wrong.
So focus on just one of the above points that struck home with you and work to make that single aspect of this wonderful community better on a personal level. If six million monthly TPG readers each made one aspect from the above list a little better at a singular level, in a short time we'd take a single huge step forward as a community. Don't you think so?
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.

