Thank you everyone! My credit history is pretty long. Been a pharmacist for nearly 30 years. I just started this game in June this year. I have been following all of your suggestions to churn every 3 months and have completed 3 churns. Glad to hear my credit doesn't have to be in the "excellent range" to be approved! My husband and I have the 2 free nights with Hyatt so the suggestion of the fairmont cards is GREAT! The Hilton points required for Maui is nearly 100,000 a night!! My husband and I have the hilton reserve cards with 2 free weekend nights. I had a suggestion from a travel blogger to build hilton points with citi cards but that might not be the best suggestion!