Since I travel exclusively for leisure I’ll book based on location and price (free agent) or prive or Amex HC/FHR ($300 credit) when it makes sense to do so.

The biggest loser will be Chase as I moved 95% of my spend to Citi. I get more value out of an AA mile than Hyatt point. I probably have for 2-3 years now, and this forced me to reconsider and check the math.