This is so totally not worth my time and I am so doing it anyway-

I am moving all my monthly donations to organizations to the first and putting them on this card. I get a whopping gain of 2 Hyatt versus 2 cents cash on tens of dollars a month.

I'm not sure of the actual cash value of the card for a non-renter but for just the game playing and the $10,000 (instead of $1000 - are you reading AMEX?) loss-damage insurance it's a winner. Of course, WF may ruin this by being too annoying.