I currently use Citi Double cash and have no other Citi card. At the point where I may want to transfer cash to points, I will get another Citi card. For now I am good. I was using Chase Freedom Unlimited for non-bonus for the Hyatt transfer via Chase Sapphire Preferred. Backed off of that for the time being, since $15K spend would be 22.5K Hyatt points or $300. I am guessing i can find a $300 room that will satisfy me. Bottom line is it seems like cash is a better bet than points for the time being.