Originally Posted by mikesyr18

You can't discredit the card just because it's a credit union. Most credit unions have geographical boundaries for membership.

Is it really rocket science to manage a $450/year card? Cap the 4th night by calling it "annual hotel credits to $250 a year." Offer Hilton Diamond status. Increase the airline credits to $300. Offer Admiral's Club access (1 person). Now offer 5x on flights, 5x on hotels, 3x on dining, and 1x on everything else. No more bleeding $2,000 per cardholder for the 4th night free benefit.