Originally Posted by Mary2e

I know I lowered withholding on my husband's pension just so I can pay estimated taxes Ditto for my ridiculously high property taxes. I'm paying 3% on that one, but it gets me more than 1.5 nights.

Originally Posted by Beckles

Anything below 3% fee is pretty easy to justify on a Hyatt card if you are getting value from those elite night credits for every $5k, let's not forget that the points you're earning for something you would otherwise pay for with a cash equivalent are easily worth 2 cents/point with Hyatt IMO. You also should factor in some value from milestones, if you're going to 60 nights you'll get:

• 2 Club Upgrades at 20 nights (worthless if you're already Globalist)
• Category 1-4 Free Night at 30 nights
• 5,000 points at 40 nights
• 2 Suite Upgrades at 50 nights
• 2 Suite Upgrades and Category 1-7 Free Night at 60 nights

I'm in a similar position, I will probably need a ton of spend on the Hyatt Visa or some mattress running at the end of the year to get to 60 nights, but the at hotel benefits plus the points plus the milestones pretty easily justify it in my mind. Fortunately, I am getting a little uptick in business travel it looks like, but unfortunately when I go to places like Traverse City, Michigan and Springfield, Illinois (two actual work trips coming up in the next six weeks) it hurts that I don't even have the option of staying at a Hyatt property. I have been using my Hyatt Visa more this year than previous years, all restaurant spend goes on there plus Costco spend, and of course Hyatt spend.