Thank you I will consider that one, as 5% is a good rate.

I'd really like to get into either the Citi or Chase system to get a decent chunk of SUB for the group of cards, one set for me and one set for my wife, max out the bonuses from 3x-5x, and pool all the points for mostly hotel points. Aside from Chase UR having access to Hyatt at low cost per point, I'm not sure why everyone seems to say their points are worth more. There's no Hyatt brands in Outer Banks NC for example where there's other chains that do have a few, and few more Wyndham and IHG options at Disney World, and probably some other places too. UR at 1:1 with Chase, 1:2 for Citi. I'm just trying to figure out why I read everywhere that CUR are worth more than CTYP when I can earn a lot more points at 3x-5x with Citi than I can with Chase.