Originally Posted by
JAHDB22K
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.
Those people who say the Chase UR are worth more are mostly the ones who want to redeem for Hyatt and longhaul major airlines in business class or above.
I agree that Citi TYP is often a better value for someone who mainly stays in the US, and travels to smaller places, and wants to stay in lower-end hotels.
I also like lower end hotels because I'm a senior who sleeps best with a temperature at around 67F by bedside, and lower-end hotels like most Choice hotels and Best Westerns and even Hampton Inn at Hilton and Holiday Inn Express at IHG tend to have air conditioners at the window aimed at the bed, while higher end hotels, or even upgraded rooms at some mid-tier hotels including Hyatt, all too often have the air conditioner aimed away from the bed, which makes cooling the bed harder especially if you arrive in the evening for a one-night stay.
Hopefully you're able to pay all your credit card bills in full each month, however, since there is one big difference AFAIK between other 2% cards like WF Active Cash, and Citi DoubleCash. Most 2% cards are just that, but Double Cash actually gives only 1% when you buy and only gives the other 1% when you pay. So if you pay all your bills each month, that's not that huge a difference, but if you don't, it could mean a long time before you earn the other 1%.
And I also agree that the US Bank Cash+ card can be worth it, because if you have utility bills that you can pay with a credit card, US Bank Cash+ can be set to earn 5% back on those.