Pam
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! š
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 ā Chase Ink Cash Business Credit Card
CIP ā Chase Ink Preferred Business Credit Card
CIU ā Chase Ink Unlimited Business Credit Card
CP – Companion Pass
CSP– Chase Sapphire Preferred
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)
DPĀ – 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 (AMEX 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
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!
We credit card points and miles users speak a different language at times. We hope that these acronyms will help you learn our lingo quicker!
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Iām interested in hang up and call again! Iām guessing there are interesting stories that go along with this. Would you share those anecdotes?
When you get a rep who is not help at all, we hang up and call again (hoping to get a different rep)!
Thank you for this! I’m new to the game and was wondering what the heck “SUB” meant!
It’s a new language! š