Is there anyone else here like me? I am a Globalist leisure traveler. I earn and burn around 1 million Hyatt points a year. I exclusively book on points, the only cash I spend at Hyatt's are for incidentals during my stays, and this is usually minimal. I already have my stays booked to re-qualify for Globalist this year staying in mostly Cat 5-7 resorts. I'm mostly curious if there are any others playing this game like me.

You�re an edge case.

Also, I think you�d need a lot more than 1mm points per year to do 60 nights in mostly Cat 5-7s (unless by �mostly� you mean >50%)? Aside from the last two years when there were double EQN promos, halved elite qualification requirement, etc.

This year I have 16 nights coming from credit card spend (5 from the personal card, 6 for spending $15k, 5 from the business card). I will also collect 5 FNC's through credits cards and milestones. This leaves 39 more nights on points. I have already stayed at Regency Gainey ranch Cat 5 (4 nights), Maui Regency Cat 6 (8 nights), Andaz Mayakoba Cat 6 (7 nights), so far this year, and I have reservations for Andaz Maui Cat 7 (8 nights), Indian Wells Regency Cat 5 (6 nights), for later this year. I am also using my FNC's for 4 nights at the Eliza Jane. Those stays will take me very close to 60 nights, and I've only spend 596,000 points.

Basically, the only way I can think of to do would be through credit card spend, so you likely would have to have a business that you were funding through a credit card in order to get that much spend (and be against spending cash at Hyatt properties). There might be a few business owners on here that are similar.

I have some people in my personal life that only fund Hyatt stays on points from either WOH or Ultimate Rewards credit cards, but they aren't hitting that many points and consequently that many nights because they are only putting on reasonable day-to-day spend.

I don't have business spend, I just churn mostly Ink cards, using MS to meet minimum spend.

Another way could be through MS but that will end eventually. Shutdowns are inevitable at that pace. Does any US program transfer to Hyatt except Chase? I would not MS on Chase.

On the other hand Hyatt doesn't care; you are a pretty good customer. If they are selling a million miles on your behalf they are making more from you then they make from a lot of Globalists.

I'm just not sure why you spend a minimal amount while at resort properties. The whole point of a resort is to enjoy the property and all the amenities. If you are not going to use any of them you may as well stay at the Hyatt Place down the street. If I'm relaxing poolside I'm not going to deny myself a drink or some food just to save a few dollars... that would kind of ruin the trip.

When I visit urban properties it's not rare for me to check out with nothing charged to my folio but definitely not at a resort.

How long have you been doing that for? Seems ripe for a shut down if it�s mostly SUBs.

Ahhh, you'll find some folks on here who are amenable to MS and some who definitely aren't. MSing with Chase on a business card with no business stresses me out just thinking about it, but there are always different strokes for different folks.

Yeah and it will be brutal too, losing access to every Chase card for life.

I've done churning in the past but I won't mess with Chase or Amex.

Considering the hoops I had to jump through (multiple in-person branch visits to different branches) to even apply for a Chase card, I can't imagine messing with them and doing anything slightly off-the-books. Being shutdown forever would be a massive blow.

typically will pay cash if cash price is below $170(with tax)
anything above, i use points exclusively.

Globalist on points Can you give a breakdown of how much of that 1M yearly points is from

• credit card sign up bonuses
• manufactured spend
• actual spend
• bonus journeys
• milestones
• other categories

You're definitely going around and hitting the high value Hyatts. I have a pretty good stash of Chase points, but I still need to do quite a lot of them on paid nights.

On your list, I've done Mayakoba a few times on $$ because at least outside of Jan-Mar it's regularly got decently priced rooms (especially with Corp rates and/or Prive). Basically I'd never use points at Hyatt if I'm getting less than 1.5 cents/point. And generally aim for 2+.

I'm also going to agree with the other posters here - you can absolutely churn some on Ink cards and do some MS, but at your scale (particularly if it's just you and not P2/P3) it seems like you're very likely to run into a shutdown. To me it just isn't worth that risk because my Hyatt status is much more difficult to maintain and isn't as valuable/useful if I'm no longer able to earn/use chase points and cards.

Chase has a history of doing this. They will close every credit card and bank account you have with them. You will be allowed to transfer your points out (IIRC they either settled or lost a lawsuit about this during a previous round of shutdowns, and now their policy gives you some set amount of time to transfer your points after your account gets closed) and you will never be allowed to open another Chase card or bank account again, for life.

Those who do not study history are doomed to repeat it. OP is flying a bit close to the sun, I think. For, what, $20k worth of points per year? Not worth it.

Ironically, my multi-week application saga with Chase led Hyatt to get a pretty good customer as I was trying to get the WOH card to maximize return on Hyatt purchases before I started adding Hyatt into my travel rotation (really wanted Discoverist for 2 PM late checkout to make up for the 4 PM I was getting at Bonvoy properties).

I have found Chase to be much harder to deal with from a CS side than Amex - not to mention their ridiculous 5/24 rule, but I'm grateful I stuck it out through the hassle.