stevens397 - I am looking at MC/Visa only since I have HH Surpass Amex already and want a fallback card for when Amex is not taken. I didn't want to start another debate on SPG vs HH programs, but key for my primary selection of the HH Surpass Amex was getting Diamond status using the Surpass card as well as 3 pts/$. As for Hyatt card, it looked like (after the 2 night honeymoon) you still need to spend $20-25K to get a single night at a top tier Hyatt, which is no improvement over my HH Visa. If Hyatt is giving 2 free nights every year if you re-up for the card, that would sway me but I assume this is a one time thing.