TPG Reader Hall of Fame: 18 months, 20 countries and a million points
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Today’s TPG Reader Hall of Fame story comes to you from Joey and Kara, a power (points) couple midway through a trip spanning 9 months, three continents and well over a million points. Let’s see how they did it.
Kara and Joey knew well in advance that they’d be traveling so they were able to spend 18 months saving up for the trip. Kara, a former auditor, traveled a lot for work and was able to save points for personal use. While she had a nice little stash, they’ve also used welcome bonuses from travel rewards credit cards to accumulate a sizable balance, including:
- IHG Rewards Club Premier Credit Card — Earn 80,000 IHG points after you spend $2,000 on purchases in the first three months of account opening
- The Hilton Honors American Express Aspire Card — Earn 150,000 Hilton points after you spend $4,000 on purchases in the first three months of account opening
- Chase Sapphire Reserve — Earn 50,000 Chase Ultimate Rewards points after you spend $4,000 on purchases in the first three months of account opening
- Marriott Bonvoy Brilliant™ American Express® Card– Earn 75,000 Marriott points after you spend $3,000 on purchases in the first three months of account opening
- The World Of Hyatt Credit Card– Earn up to 50,000 Hyatt points: 25,000 points after you spend $3,000 on purchases in the first three months of account opening, plus, 25,000 points after you spend $6,000 total in the first six months of account opening
The information for the IHG® Rewards Club Premier Credit Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
They’ve also continued to put all regular spending on credit cards, while offering to pay friends’ restaurant tabs in exchange for Venmo payments. All told, they’ve spent 1.2 million points on hotels and flights thus far, with a focus on free — not luxury. This means they’ve legged it in long-haul economy, gaining incredible value on flights such as Detroit (DTW) to Lima (LIM), which cost just 17,500 American Airlines AAdvantage miles off-peak for a route that would normally run them $1,000+.
They’ve used the annual free nights afforded by their credit cards for hotel stays, in addition to Hilton, Marriott, IHG and Hyatt points in order to maximize their savings. Combined with Airbnb stays and housesitting, they’re making their way around the world for free. Here’s the breakdown of the points they’ve spent:
| Program | Points used | Overall value received (less expenses incurred) | Overall cents per point | Current TPG valuation |
| Marriott Bonvoy | 250,000 | $1,654.00 | 0.66 | 0.80 |
| World of Hyatt | 104,000 | $2,100.89 | 2.02 | 1.70 |
| Hilton Honors | 404,000 | $2,145.96 | 0.53 | 0.60 |
| IHG Rewards | 140,000 | $1,640.00 | 1.17 | 0.50 |
| American AAdvantage | 70,000 | $4,306.48 | 6.15 | 1.40 |
| Chase Ultimate Rewards | 262,000 | $10,324.56 | 3.94 | 2.00 |
Here’s how they’ve redeemed them:
| Savings type | City | Name | Points used | Cents per point |
Valuation @ booking (TPG) | |
| Flight | Detroit to Lima, Peru | American Airlines | 35,000 | 5.43 | 1.4 | |
| Flight | Rio de Janeiro to Lisbon | Air France | 72,000 | 4.32 | 2.1 | |
| Flight | Rome to Bali | United Airlines | 90,000 | 3.22 | 1.3 | |
| Flight | Bangkok to Lima | United Airlines | 100,000 | 4.32 | 2.0 | |
| Flight | Lima to Detroit (Joey) | American Airlines | 17,500 | 7.08 | 1.4 | |
| Flight | Lima to Missoula (Kara) | American Airlines | 17,500 | 6.68 | 1.4 |
| Savings Type | City | Name | Points used | Cents per point | Valuation @ booking (TPG) | |
| Hotel rewards | Zurich, Switzerland | Hilton Zurich Airport | 200,000 (50k / night) | 0.59 | 0.6 | |
| Hotel rewards | Zurich, Switzerland | Hilton Zurich Airport | 48,000 (48k / night) | 0.59 | 0.6 | |
| Hotel rewards | Bali, Indonesia | Hilton Bali Resort | 96,000 (48k / night) | 0.42 | 0.6 | |
| Hotel rewards | Bali, Indonesia | Hilton Bali Resort | 60,000 (30k / night) | 0.45 | 0.6 | |
| Hotel rewards | Singapore, Singapore | Grand Hyatt Singapore | 54,000 (27k / night) | 2.05 | 1.7 | |
| Hotel rewards | London, U.K. | St James Hyatt Hotel | 50,000 (25k / night) | 1.98 | 1.7 | |
| Hotel rewards | Amsterdam, Netherlands | Renaissance Amsterdam | 250,000 (42k / night) | 0.66 | 0.8 | |
| Hotel rewards | Munich, Germany | Holiday Inn – City Centre | 140,000 (35k / night) | 1.56 | 0.7 |
These incredibly detailed charts come courtesy of Kara, whose fabulous spreadsheet shows just exactly how much value points can have. And while they haven’t always redeemed points for maximum value, that’s OK. In total, they’ve saved over $20,000 by making smart redemptions where it counts, so that their trip is truly priceless.
All photos courtesy of Kara Patterson
This card from Bank of America gets really interesting if you have a BofA checking, savings or investment account. Depending on the value of your combined accounts you can potentially get as much as 3.5x points on travel/dining and 2.625x points on other purchases making it the richest consumer banking bonus out there.
- Receive 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening
- Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
- If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
- No limit to the points you can earn and your points don't expire
- Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill accounts, or gift cards or purchases at the Bank of America Travel Center
- Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
- No Foreign Transaction Fees
- Low $95 annual fee
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