S/B passing 40 next week. there are 3 choices the 5K in pts is OK but I feel the $100 GC is worth more, but is it an electronic card or physical? Id imagine like any GC its not restricted to $100 off base rate so if with tx you owe say $103 use the HGC and now you only owe $3. Are there any limitations to the HGC taht I should know about, with thee xception its only good at Hyatt Props?