Decoding the Many Acronyms Used in the Points/Miles World

By: Bryce Conway

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Hi Travel Junkies,

Keeping up with the many acronyms used in the points/miles world can be difficult, particularly if you are new to all of this.

So I put together a quick reference list (in alphabetical order) of some of the most popular ones, complete with explanations of what each of them mean.

Here we go.

  • 5/24: The Chase 5/24 Rule
  • AAoA: Average age of Accounts. This refers to the average age of your credit accounts, which is a key component that goes into calculating your credit score.
  • AF: Annual Fee
  • AGC: American Express Gift Card
  • AU: Authorized User
  • BCP: Blue Cash Preferred (an American Express card)
  • BOA: Bank of America
  • BYODP: Be your own data point. Typically used when nobody knows the answer to a question. Much like saying “give it a try and let us know how it goes”.
  • CB: Credit Bureau. The 3 major ones are Experian, Equifax, and TransUnion
  • CK: Credit Karma ( This is a great way to monitor your Equifax and TransUnion credit reports. It is NOT a good way to check your FICO credit score.
  • CL: Credit Limit
  • CPP: Cents per Point. This refers to monetary value out of reward redemptions, calculated by dividing the cash value of a redemption by the number of points/miles required to book it.
  • CSR: Customer Service Representative or Chase Sapphire Reserve
  • CSP: Chase Sapphire Preferred
  • DP: Data Point. Typically used in a sentence such as “we are seeing many DPs that this method works”.
  • FF: Frequent Flyer
  • FTF (or FX): Foreign Transaction Fees
  • HH: Hilton Honors Program
  • HUCA: Hang up call again. Typically used when making a reconsideration call (defined below) regarding a credit card application. HUCA is basically another way of saying “try again if you don’t get the result you liked”.
  • IHG: Intercontinental Hotel Group
  • MR: American Express Membership Rewards
  • OV: One Vanilla, a type of Visa gift card
  • PRG: Premier Rewards Gold (an American Express card)
  • Recon: A reconsideration call where you attempt to overturn a credit card denial.
  • SM: Secure message. Typically the most convenient way to contact a bank.
  • SPG: Starwood Preferred Guest (a hotel loyalty program)
  • T&C: Terms and Conditions
  • TYP: Citi ThankYou Points
  • UR: Chases Ultimate Rewards
  • VGC: Visa Gift Card
  • YMMV: Your Miles May Vary. Which is another way of saying “different results for different people”.

Feel free to email me (Bryce[at]10xTravel[dot]com) with any that we may have missed!

Happy Travels,


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