Capital One - got my Hyatt certificates when they were available, used the excess points to pay for the incidental expenses at the Park Hyatt Paris Vendome and the Meridien Brussels. Was left with a points balance of about 3500 points and no desire to use the card again (the loss of the Hyatt certificates, the only redemption that I wanted, was the clincher).

Very easy to donate to the charity of your choice. Yes, I did get a note saying that I donated $35 to the charity. But for me, I just didn't want to see them disappear prior to cancelling the card. I was happy to have the option of still putting them to good use.