Basic Guide to Award Travel Words & Phrases

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As the Points and Miles community grows the language has become somewhat foreign for newbies or outsiders. No worries, we have your back with this basic guide to Award Travel Words & Phrases. Use this guide to break the code and become a true basic traveler!

Top Award Travel Acronyms Broken Down


  • AA – American Airlines
  • AAoA – Average Age of Accounts (FICO Credit Score Factor)
  • AF – Annual Fee (Of a Credit Card)
  • AOR – App-O-Rama (Opening Multiple Credit Cards at the Same Time)
  • APR – Annual Percentage Rate
  • APY – Annual Percentage Yield
  • AS – Alaska Airlines
  • AU – Authorized User (Of a Credit Card Account)



  • CA – Cash Advance (Credit Card Fee)
  • CB – CashBack
  • CBM – CashBack Monitor
  • CC – Credit Card
  • CF – Chase Freedom Credit Card
  • CFU – Chase Freedom Unlimited Credit Card
  • CFF – Chase Freedom Flex Credit Card
  • CIC – Chase Ink Cash Credit Card
  • CIP – Chase Ink Preferred Credit Card
  • CK – Credit Karma (Not a Real Credit Score)
  • CL – Credit Limit
  • CLAWBACK – Term Used when a Bank Removes Points from an Account after Awarding them due to Program Violations
  • CLI – Credit Limit Increase
  • CP – Southwest Companion Pass (Buy-One-Get-One-Free-Flights)
  • CPM – Cost Per Mile (Divide the cost using cash against the number of miles used)
  • CPC – Chase Private Client
  • CPP – Cents Per Point (Divide the cost using cash against the number of points used)
  • CR – Credit Report
  • CS – Chase Sapphire Credit Cards
  • CSP – Chase Sapphire Preferred Credit Card
  • CSR – Chase Sapphire Reserve Credit Card
  • CSR – Customer Service Representative
  • CU – Credit Union


  • DC – Citi Double Cash Credit Card
  • DC – Debit Card
  • DD – Direct Deposit
  • DD – Double Dip (Combining two promotions at once for double rewards)
  • DED – Phrase used to indicate an offer or promotion is no longer available (Dead)
  • DL – Delta Airlines
  • DOB – Date of Birth
  • DP – Data Point


  • E&B – Earn and Burn (Earn the points/miles and redeem them)
  • ECON – Economy Seat on a Plane
  • ED – Amex Everyday Credit Card
  • EDP – Amex Everyday Preferred Credit Card
  • EK – Emirates Airlines
  • EQ – Equifax Credit Reporting Agency
  • EY – Etihad Airways
  • EX – Experian Credit Reporting Agency


  • F – First Class Seat on an Airplane
  • FA – Flight Attendant
  • FA – Fraud Alert on a Credit/Debit Card
  • FACTA – Fair and Accurate Credit Transactions Act
  • F9 – Frontier Airlines
  • FCRA – Fair Credit Reporting Act
  • FDIC – Federal Deposit Insurance Corporation
  • FHR – Fine Hotels and Resorts (Through Amex)
  • FR – Financial Review (By a bank to review spending on a credit card versus income reported)
  • FS – Free Spirit (Spirit Airlines Frequent Flyer Program)
  • FT – Flyer Talk Chat Forum
  • FTF – Foreign Transaction Fee (Credit or Debit Card being used internationally)
  • FWIW – For What It’s Worth


  • GC – Gift Card
  • GCM – Gift Card Mall
  • GE – Global Entry


  • HH – Hilton Honors Rewards Program
  • HP – Hard Pull (On a Credit Report)
  • HSA – Health Savings Account
  • H/T – Hat Tip (To thank someone for sharing a DP)
  • HUCA – Hang Up Call Again (Sometimes different CSR’s provide different answers when calling a bank or organization)


  • IHG – Intercontinental Hotel Group
  • INK – Referring to Chase Ink Business Credit Card Options


  • J – Business Class Seat on an Airplane
  • JB – JetBlue Airlines (Technically is B6 but sometimes ppl use JB unofficially)
  • JAL – Japan Airlines


  • KE – Korean Airlines
  • KLM – Koninklijke Luchtvaart Maatschappij Royal Dutch Airlines


  • LHRC – Luxury Hotel Resort Collection (Chase Bank)


  • MC – Mastercard Credit Card Issuer
  • MCGC – Mastercard GiftCard
  • Metal – Phrase used when flying on an airlines own planes versus a partner (Typically when using points)
  • MO – Money Order
  • MR – Membership Rewards Points (Amex Award Currency earned from Credit Cards)
  • MS – Manufactured Spend
  • MSR – Minimum Spend Requirement (Amount to spend in order to earn a SUB)


  • NFCC – National Foundation for Credit Counseling
  • NFCU – Navy Federal Credit Union
  • NK – Spirit Airlines


  • OD – Office Depot
  • OLCI – Online Check-In (Referring to checking into a flight or hotel ahead of time online)
  • OM – Office Max
  • OOP – Out of Pocket Expense
  • OP – Original Post (Someone’s post that ppl are referring to)
  • OJ – Open Jaw (Roundtrip flight that arrives in one city and departs in another)
  • OTA – Online Travel Agency (Like Hotels.com)
  • OW – One Way Flight


  • PC – Product Change (Typically changing a Credit Card with a fee to a non-fee Card)
  • PO – Post Office
  • PORTALS – Websites that can be clicked through to earn cashback and points/miles
  • POS – Point of Sale
  • PP – Priority Pass (Membership which provides access to Airport Lounges)
  • PP – PayPal
  • PPK – PayPal Key
  • PRG – Amex Premier Rewards Gold


  • Q-Suites – Popular Business Class Award Redemption through Qatar Airways


  • RAKUTEN – Cashback Portal
  • RAT – Amex Reward Abuse Team (Often issues FR’s and Clawbacks)
  • RC – Ritz-Carlton Hotels
  • RECON – Calling a Credit Card issuer after being denied to appeal decision. (This often works!)
  • REP – Representative
  • RR – Rapid Rewards (Southwest Frequent Flyer Program)
  • RT – Roundtrip Flights


  • SM – Secured Message
  • SP – Soft Pull (Personal Credit Inquiry that does not impact a score as opposed to an HP)
  • STACK – Combining multiple offers/promotions by Stacking (Credit Cards, Portals, Amex/Chase Offers)
  • SSN – Social Security Number
  • SUB – Signup Bonus
  • SWA – Southwest Airlines (Sometimes referred to as SW unofficially)


  • T&C’s – Terms and Conditions
  • TCB – Top Cash Back Portal
  • TIA – Thanks in Advance
  • TL – Trade Line (Record of Credit Issued to Someone)
  • TR – Trip Report
  • TR – Travel Rewards
  • TSA – Transportation Security Administration
  • TU – TransUnion (Credit Reporting Agency)
  • TYP – ThankYou Points (Citi Credit Card Rewards Currency)


  • UA – United Airlines
  • USB – U.S. Bank
  • ULCC – Ultra Low Cost Carrier
  • US – US Airways
  • USPS – United States Postal Service
  • UR – Ultimate Rewards (Chase Credit Card Rewards Currency)


  • VGC – Visa Gift Card
  • VA – Virgin Atlantic
  • VX – Virgin America


  • WF – Wells Fargo
  • WFP – Wells Fargo Propel
  • WOH – World of Hyatt Loyalty Program
  • WMT – Walmart


  • N/A


  • Y – Economy Class (Also known as ECON)
  • YMMV – Your Milage May Vary
  • YQ – Fuel Surcharges

Editorial Disclaimer: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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