Yeah, pre-pandemic I always transferred UR from my various cards to Hyatt or UA. When PYB was introduced, I was still sitting on 250k UR and (too) many more points in Amex MR and airline/hotel programs. Enough for 2021 and perhaps even 2022 travel (factoring in potentially some revenue spend to re-earn AS status). So instead of sitting on my growing stockpile of UR for a year, I started whittling it down. Much of it was earned with 3X or higher (and at the least 1.5X from my CFU), so the cash back value was quite nice.