Definitely feels like the trend is moving away from easy to use travel credits. I hope Chase doesn't feel they can change theirs or Amex with the Bonvoy Brilliant. I agree the portal ones are PIA. Amex's you spend more than the $200.. I imagine Capital One's will at least be useful in find sub $300 hotels so you aren't truly out of pocket.

I wonder if they might do an upgrade offer for Venture customers. Doubtful, but would be nice.