AmEx Blue Biz Plus 2 x everything up to $50,000 annually. Freedom Unlimited and Ink Unlimited 1.5x on everything. AmEx Biz Plat 1.5x all charges over $5,000. Not a comprehensive list.

No one is attacking anyone - we are having a discussion. Like I said in one of the first comments on this thread, some on this thread are pro-MS while others are anti-MS. OP wouldn't have created a FT account to post this thread if they didn't want a discussion (unless they were just bragging, but OP themselves said that wasn't their intention).

Sure, I said 12 Ink cards because I don't have time to read back to every detail posted in every comment. OP actually said 8 Chase cards in a year.

Also, I'm sure not envious of OP (I am happy with my travel patterns and the things I spend my free time doing), but if OP gets joy out of their activities and is okay with the risk (even you said you wouldn't MS on Chase), more power to them.

Can folks move discussion about opening accounts, churning, MS, risks, etc to the appropriate Chase/Amex threads?

Back to thread topic re Globalists using only points - is there any appreciable treatment/benefit differences vs Globalist via stays cash (and points and CC nights)?

Id rather leave it as a 1X where its used now due to the net net affect I get eg say it was on the Hyatt CC that $50K would earn 20 night credits, so thats 1/3 the way to Globalist besides 50K in Hyatt pts and the milestone awards you earn.IMHO those benefits way out weigh the $1000 cash back which wont buy you 20 nights and probably apx 7 if that

Im not a I want to stay on the Resort sort of person or need to be at the top notch props, top notch locations yes but not top notch hotels there unless I plan to spend a sick amount of time in my room or the hotel itself, and if I want to do that then why go to a top notch location and not get out and about. yet some places I want that top notch hotel since it has the location I want to be spending my time around, eg Newport RI, sure a hotel in Providence would be cheaper and not as fancy but who wants to drag themselves everyday driving back and forth, so in that case Id want to stay in Newport. Yet if I was going to Anaheim I wouldnt stay in Anaheim since my time would be spent in the Parks all day I would stay elsewhere even a HH or HP or non-Hyatt if it was alot cheaper to do so and if a paid stay then for sure to beat the parking fees. Cant remember the last time we stayed on The Strip in LV, hang out there be it for shows or casinos sure but we prefer the quieter off Strip places even if they arent as nice

Sure the major savings is using pts or certs you dont pay for parking as long as its the hotels lot which is big bucks in the major citys or resort(beach) areas, which a min with tax s/b a savings of at least $50 a day

Sorry, my bad. I meant is there any appreciable differences from a Globalist via point stays only vs a typical earned Globalist via cash/points/CC stays?

I don't think so as far as the actual status.

But if you're paying cash for any stays of course, you get progress toward lifetime Globalist. Which I'm resigned to never hitting.

Ok, I was just curious. Was also wondering the same about glob-lite...

The only real benefit discrepancy between individual Globalists would be upgrade priority, but quite frankly, I don't know how each property ranks these upgrade lists. I would imagine properties prioritize repeat guests and those who reach out and ask. I doubt a property can see how Globalist status was reached.

OK that depends on each hotels back room, meaning lets say Im a returning guest to Hotel X and so are you and Im using pts and you $$, most likely if we are equal otherwise youd get the better upgrade. I know some hotels that would give a better upgrade to even a non member who stays there frequently over a 1st time Globalist (hotels will NOT be named) remember upgrades are suppose to be upon arrival so a hotel isnt doing anything wrong if it upgrades their frequent guest when that person makes a res. I call it great biz sense.

id say in the vast majority of cases a hotels bottom line will be enhanced by a guest paying $$$ over using pts, and will thusly look to take better care of the paying guest over a pts using guest, so Ive been told by many a mgr from the different programs and chains.

I often wonder if they treat me different than people that pay cash. I've almost always been treated fantastic at all Hyatts, but I would expect that regardless of how I was booking. They never seem to raise an eyebrow at points booking even if it is a 300,000 point stay. My first ever Hyatt stay was at the PHNY, and they thanked me for being a loyal Hyatt customer at check in, when I told him this was my first time ever in a Hyatt, he did a double take. I don't think at check-in they see my reservation history.

They actually can - I once had a Hyatt FDA tell me to have safe travels to Chicago (which was the next city I had a Hyatt reservation in later that week).

Whenever I go into a branch of my primary bank that isnt my main branch and get on the line I get a reg hello and asked to swipe my bank card so I do and then they run to get the marching band out to greet me, OK no band but they start up with all the nonsense and ask how they can help me I usually say simply by not wasting my time with all the small talk and utter nonsense sayings and simply next time ask that question 1st. Certain banks the reg tellers wont take care of me and want the special rep to, I ask them can they please take my bank card rip it up and send me a basic one so I wont have to waste my time dealing with the special reps., whose sole purpose is to get me to move all my financial dealings to the bank which I wont do or at least bring in another chunk of it also wont do = those special reps will simply waste my time and I dont want any part of it

point is once they know who you are by the computer telling them they read on script, every now and then you will find a real Mc Coy who honestly means what they say very rare. And it usually ends after thanking me for being a Globalist with Oh we upgraded you = you are now in the same room but on a floor higher up = no real Upgrade of any meaning, rare is when I end up in a much better room then what the app showed that morning, its unfortunately becoming an Industry standard among all the programs, especially Hyatt who minted tons and tons of Globalists and the hotels know it

No, I've done the research, I'm not doing it again just to write an assessment for you. You can feel free to read up and get the facts for yourself, or not. But I'm certainly not doing it for you. I'm not doing your research for you, if you can't be bothered to type "Chase shutowns" into your favorite search engine then you’re on your own.

Yes, of course I’m kidding, that paragraph is rude and disrespectful. The entire reason for participation here is to share information and opinions, especially with those who have the wrong opposing opinions.

OP’s approach, which AFAICT is like mine, is moderate risk. Factors tending toward high risk are application frequency and “MS to meet minimum spend”. Amount of MS could tip it to high risk, I do zero MS and tax payments instead (prn* to meet spend requirements).

A myriad of credible reports clearly indicate that MS is the primary most significant main risk factor for shutdown, for all banks and issuers. There are questionable occasional anecdotal unsubstantiated reports indicating other risk factors: high application velocity and applying for biz cards without a real biz.

Chase application guidelines are frequently described and OP does not appear to be exceeding them: 5/24, 2 personal cards or one personal and one biz card q* 30 (some say 90) days, bonus (same card) q 24 months, 1 Sapphire card at a time, Sapphire bonus q 48 months.

“Churning” is relative and different today from various time periods in the past. Each of us has a different assessment of churning. Some people are so afraid of their own shadow that they too rarely apply for a credit card and they’re leaving almost everything on the table.

(* “prn” = in the circumstances, as the circumstance arises, as needed, as necessary (from Latin pro re nata) prn pain = as needed for pain)
(* “q” = each, every (from Latin quaque) q6h = every 6 hours)

Disagree, they can see a good part of one’s history. At check-in I’ve occasionally asked which room I was in the last time at the property, they can see that in a few seconds even if it’s been years. Often times greeted with “welcome back”.

Agree about (usually) fantastic treatment, don’t wonder about different treatment based on different rates. It’s a strong testament to Hyatt that they treat (almost) all stays the same, regardless of $ or $$$ or award. I’ve been very fortunate as to often take advantage of Hyatt’s recent incredibly generous HealthCare Friends and Family rate which is sometimes 1/3 the member or rack or corporate rate. (Several ski resort Hyatt stays this past winter at $129 or $139 vice $350, GH Washington DC 2 different rooms at peak Cherry Blossoms a month ago $129 vice $350, several different properties at $109 vice $160-$300, no problem applying SUA to HealthCare rate.) Not once has an agent said anything and not once did I get the idea that they were treating me differently because of a very very low rate or an award.

It has been two years since I first posted this. I got a lot of pushback, people saying what I was doing wasn't sustainable or that I would get shutdown. Well, I’m back to say that Im still doing this, and it is even more lucrative now than it has been in the past.

I'm writing this from a Park Hyatt, where I’m earning my 30th night of 2024. I’m on track to hit 60 nights by early-July this year, to make it 5 consecutive years of Globalist status almost exclusively on points for leisure travel. Two years ago it was possible to earn ~1 million points a year sustainably, now it is more like ~1.4 million, and my redemption rates have gone up since then to 4.5 c/pt on average.

I want to say a big thank you to Hyatt FT community. This is the best resource for up to date information about Hyatt properties. It has really helped with maximizing points and SUA’s. Here’s to many more years of being a Globalist!