As credit card points and miles users, we definitely speak a special language, and it can be confusing. Let’s go over the acronyms that we commonly use so you can start speaking all about credit card points/miles! 😜

 

Acronyms

5/24 – The term used means Chase will NOT approve you for one of their cards if you have been approved for 5 or more personal credit cards from ANY bank within the last 24 months. Read more here.

AF – Annual Fee (the cost of a credit card). Always worth it the first year, and then it depends on the benefits if it is worth it the next year.

AMEX– American Express

AU – Authorized User is someone who is authorized to use your credit card. We generally don’t do this for a spouse as it will take one of their 5/24 spots.

CB – Cashback

CC– Credit Card

CIC – Ink Business Cash® Credit Card

CIP – Ink Business Preferred® Credit Card

CIU – Ink Business Unlimited® Credit Card

CP – Companion Pass

CSP– Chase Sapphire Preferred® Card

CSR– Chase Sapphire Reserve®

CPP/CPM – Cents per point or cents per mile are used to determine if you are getting a good value for your points/miles. However, if it works for you – don’t worry about this!

DM – Direct Message (on social media)

DP – Data Point

Earn and Burn – Earning points and using them right away.

Econ– Economy Class

F– First Class

FHR – Fine Hotels and Resorts (benefit of American Express Platinum card)

GE – Global Entry

HH – Hilton Honors

HUCA – Hang up and call again refers to calling back and talking to another representative who may know more or be more helpful.

IHG – Intercontinental Hotel Group

Ink – Chase Ink Business Cards (Chase Ink Preferred, Chase Ink Cash, Chase Ink Unlimited)

J– Business Class

Metal – The airline you are flying on, not who you booked with

MR – Membership Rewards (American Express point system)

MSR – Minimum Spend Requirement – how much you must spend on the card to get your bonus

NLL – No Lifetime Language (used specifically for American Express when a card doesn’t have stipulations that you can only get it once in a lifetime)

Open Jaw – Flying into one city and out of another

OOP – Out-of-pocket

Player 1 and Player 2 – Refers to yourself as Player 1 and any person you use to refer cards to for referral points or to help you earn more points as Player 2.

RR – Rapid Rewards (Southwest® Airlines loyalty points)

SUB – Sign-up bonus – the points or miles you earn on your credit cards after hitting the minimum spend – better referred to as a welcome offer

TIA – Thanks in Advance

URs – Ultimate Rewards® (Chase Bank loyalty points)

WOH – World of Hyatt

Y– Economy Class

YMMV – Your mileage may vary – it may not work out for you as it did for me!

 

Bottom Line

We credit card points and miles users sometimes speak a different language. We hope that these acronyms will help you learn our lingo quickly!