Point Me To First Class · Monday, August 10, 2026
Devin Gimble explained that estimating points earning potential is highly individualized, depending on spending categories, targeted rewards cards, and overall credit card strategy. He contrasts a business owner with high travel expenses to a medical practice owner spending on supplies, highlighting how different spending patterns yield vastly different points-earning outcomes.
“Imagine that somebody tells you they spend, say, $200,000 a year on expenses that could go on a credit card. What is their points earning potential? The answer is, it depends.”
“Because points earning potential is so much more than just the finite amount of expenses that you have. Other factors that significantly impact your personal points earning potential include what you're spending money on. What are the categories of expenses that tend to be highest for you over time?”
“If you're a business owner, say, and you're running a travel focused company that spends $700,000 a year booking flights and hotels directly. That inherently holds a very different points earning potential than someone who's running a medical practice that also spends $700,000 a year, but mostly on non-category expenses like physical medical supplies.”