How much money do you spend annually on your credit card, and what’s the rough breakdown by categories (travel, gas, dining, groceries, misc other….)?

Would you benefit from ancillary card features like free checked bag?

Are you planning to stay at hotels in Chicago and is perhaps a Hyatt convenient (Ultimate Rewards transfers to Hyatt, and it probably is one of the best uses for points transfers in general and certainly one of the best hotel transfers).

How have you used your UR so far?

Welcome to FT!