Very simple. Either the card works for you or it doesn’t. The primary benefit of American Express and Membership Rewards is that it is, IMO, by far the most flexible transferable currency available and points are relatively easy to come by. That has real value for people who can make use of it. I don’t even think having Hyatt is that much of an advantage for Chase anymore since AMEX has been running near constant 30%-50% transfer bonuses to Hilton for the last 2 years.