News

TPG Talks episode four: A virtual walkthrough of the TPG Beginner's Guide

Richard Kerr
Richard Kerr is a veteran naval officer and founder of the Award Travel 101 Facebook community. He’s one of the foremost experts in points and miles strategy, featured in Forbes, US News, Money Magazine, Kiplinger Personal Finance and presented at #SXSW 2017. Richard has visited over 45 countries, lived in England and Japan, and spends his spare time dissecting loyalty program award charts to maximize the value of points and miles. Richard holds a BBA in International Business and has his wife and two small children in tow for his travels as often as possible.

May 9, 2020 • 3 min read

The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.

In episode four of TPG Talks, we went straight to one of our our largest audience segment: points and miles beginners! Joining us was TPG Lifestyle Editor Samantha Rosen, author of TPG's Beginner's Guide. This comprehensive resource gives you all the basic information you need to start your journey in the world of loyalty programs and travel rewards. There's a lot of information to digest, so make sure to watch the replay of episode four and start working toward your first award trip.

Show notes:

8:20 - What are points and miles?
14:22 - How do you earn points and miles?
16:40 - Why should I use a credit card?
21:55 - What credit card should I get?
26:50 - Common terms on the site
30:53 - Q&A
- 31:22 - Tracking credit cards and fees
- 32:37 - Should you close a card that you're not using?
- 34:14 - How do decide that annual fees are worth it?
- 36:40 - How do you decide if an airline card is worth it?
- 38:50 - Strategies for looking for award seats for more than one person
- 41:09 - Should you leverage more than one points program?
- 43:22 - What are the best strategies for finding airline award availability?
49:16 - Now what do I do?
51:30 - Application restrictions
53:15 - Best program to use when booking award flights

Follow on reading and important links:

TPG beginner’s guide: Everything you need to know about points, miles, airlines and credit cards

TPG's monthly valuations of points and miles

Maximizing online shopping portals

How Do You Keep Track of Your Points and Miles?

The best ways to maximize Air Canada's Aeroplan program

FlightConnections.com

AnnualCreditReport.com - free credit reports authorized by Federal law

TPG Lounge on Facebook

Chase’s 5/24 rule: Everything you need to know

Bottom Line

Be sure to catch all the future TPG Talks webinars live by registering for your spot. You can catch all of our upcoming live events across all of our online channels through our master calendar. You can also re-watch recordings of all previous TPG Talks on the TPG Learning Hub.

Great offers from our partners

See current offers Find your best card with CardMatch™

TPG featured card

American Express® Gold Card

TPG editor's rating

at American Express's secure site.
Terms & restrictions apply. See rates & fees.

Rewards rate

Rewards rate
Rate	Category
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.
5X	Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X	Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X	Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X	Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.

Intro offer

As High As 100,000 points. Find Out Your Offer.

Annual fee

$325

Regular APR

See Pay Over Time APR

Recommended credit

Excellent to Good

Pros + cons

Pros

Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)

Cons

Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits

More details

You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 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 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.

Pros

Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)

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 $8,000 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 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.

Show notes:

8:20 - What are points and miles?
14:22 - How do you earn points and miles?
16:40 - Why should I use a credit card?
21:55 - What credit card should I get?
26:50 - Common terms on the site
30:53 - Q&A
- 31:22 - Tracking credit cards and fees
- 32:37 - Should you close a card that you're not using?
- 34:14 - How do decide that annual fees are worth it?
- 36:40 - How do you decide if an airline card is worth it?
- 38:50 - Strategies for looking for award seats for more than one person
- 41:09 - Should you leverage more than one points program?
- 43:22 - What are the best strategies for finding airline award availability?
49:16 - Now what do I do?
51:30 - Application restrictions
53:15 - Best program to use when booking award flights

Follow on reading and important links:

TPG beginner’s guide: Everything you need to know about points, miles, airlines and credit cards

TPG's monthly valuations of points and miles

Maximizing online shopping portals

How Do You Keep Track of Your Points and Miles?

The best ways to maximize Air Canada's Aeroplan program

FlightConnections.com

AnnualCreditReport.com - free credit reports authorized by Federal law

TPG Lounge on Facebook

Chase’s 5/24 rule: Everything you need to know

Bottom Line

Comments

By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.

Show notes:

Follow on reading and important links:

Bottom Line

Comments

Comments

Related stories

'This is a marathon, not a sprint': TPG's Gen Z staff members share credit card tips

Getting started with points, miles and credit cards to travel

Capital One Venture Business card review: Simple rewards with just enough perks

Your guide to the Points Path extension for Google Flights, Chase Travel and more

TPG featured card

TPG featured card

American Express® Gold Card

Rewards rate

Intro offer

Annual fee

Regular APR

Recommended credit

Pros + cons

Pros

Cons

More details

Pros

Cons

Show notes:

Follow on reading and important links:

Bottom Line

Comments

TPG featured card

American Express® Gold Card

Rewards rate

Intro offer

Annual fee

Regular APR

Recommended credit

Pros + cons

Pros

Cons

More details

Pros

Cons

American Express® Gold Card

Rewards rate

Intro offer

Annual fee

Regular APR

Recommended credit

Pros + cons

Pros

Cons

More details

Pros

Cons

American Express® Gold Card

Rewards rate

Intro offer

Annual fee

Regular APR

Recommended credit

Pros + cons

Pros

Cons

More details

Pros

Cons

American Express® Gold Card

Rewards rate

Intro offer

Annual fee

Regular APR

Recommended credit

Pros + cons

Pros

Cons

More details

Pros

Cons

American Express® Gold Card

Rewards rate

Intro offer