The Best Credit Card for Hyatt Stays!!

Guys I apologize for the Audio Synch or lack thereof. The actual video I uploaded does not have this issue. It may be because this is the first time I've uploaded in 4k. I dont have a way to fix it but I just bought new editing software and I hope to get better in the future.
In this video I try to explain why I believe the best Chase card for reward night at Hyatt Hotels is not the World of Hyatt Card but the Chase Ink Cash Card instead. If you'd like to appy for a Chase Business Card please use the link below:
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[@LukesPointsandMiles]

Guys I apologize for the Audio Synch or lack thereof. The actual video I uploaded does not have this issue. It may be because this is the first time I've uploaded in 4k. I dont have a way to fix it but I just bought new editing software and I hope to get better in the future.

[@CinemaSteve]

That might be happening based on the video file codec you're exporting out or what type of audio and sample rate you're exporting. KZbin prefers H.264 and 44.1khz audio (sample rate being 44100). I would just check to make sure those are what you're exporting in to make the upload to KZbin easier (for example, in Resolve my video format is QuickTime, Codec is H.264, sample rate is 44100). I'd also upload a test video as Unlisted and watch it before doing another upload.

[@LukesPointsandMiles]

@@CinemaSteve Im lost. I'll just upload the next one in 1080p

[@travelpointsfamily]

I appreciate the effort to raise the video quality.

[@LukesPointsandMiles]

@@travelpointsfamily thanks. Trying to get better

[@beaunoonan510]

Good stuff Luke! Opened my eyes to a few ideas. Thanks for sharing

[@LukesPointsandMiles]

Thanks for watching!!

[@jpknowledge8852]

I agree with you that if you're just using the Hyatt card to earn points, it isn't good. If you are using it to hit different milestones is where the card becomes useful. But as you said, most people aren't doing that, so just having the card for the free night certificate and for hyatt stays is probably optimal for 95% of Hyatt card holders. The Ink Cash is definitely Chases strongest earner card. I like it so much that I have more than 1 😁

[@LukesPointsandMiles]

Me too!!! Haha

[@DCGEMINI202]

i dont understand y so many people like this card. The multipliers seem horrible to me. How do u use this card?

[@LukesPointsandMiles]

@@DCGEMINI202 which one?

[@DCGEMINI202]

@@LukesPointsandMiles cic, the ciu seems Better

[@jpknowledge8852]

@DCGEMINI202 If you're talking about the Hyatt card, it is because of the elite nights and awards you get from the milestones. Earning club lounge access, free night awards, and suite upgrade awards can be pretty valuable

[@MasonsTurtle]

Great vid. I never thought about this strategy with the Ink cash and prepaid cards.

[@LukesPointsandMiles]

It’s my most effective technique

[@Jay-vt2so]

Perfect timing sir! I was just looking to apply for the Hyatt card for this reason 😎💯

[@LukesPointsandMiles]

Thanks for watching!!

[@joephillips5594]

Great video, and a slam dunk case! I can't WAIT to utilize this strategy at some point. I am currently making the rounds with hilton and wyndham but plan to go the Hyatt route in a few years when those wells run dry.

[@LukesPointsandMiles]

Lately I’ve Been seeing some great points redemptions with Wyndham in South America.

[@Zenichiro]

Definatelly need that premium Hyatt card. Good video once again.

[@LukesPointsandMiles]

I wouldn’t hold your breath. The Hyatt following is so strong that a premium won’t offer much.

[@geraldalves9107]

I was waiting for this video, good stuff Luke! I'm employing a similar strategy right now to try to maximize the 5% gas and groceries 1 year offer on my Chase Freedom Flex.

[@LukesPointsandMiles]

Nice moves!!

[@isaaccarwile]

Totally agree. I just got another Ink Cash card but not just for Hyatt. More so to be a hotel free agent and use the Chase portal. Really all the UR earning cards are better than the WOH.

[@LukesPointsandMiles]

Agree

[@billyrodgers4611]

Transferring to Hyatt is more valuable than the portal. 1.25 vs 2.98 cpp. Last time I checked. Hyatt Regency @ Clearwater Fla.

[@LukesPointsandMiles]

@@billyrodgers4611 I’m not sure if you watched the video or not but the comparison was UR earning cards vs Hyatt card. I don’t think anyone mentioned booking Hyatt hotels through a portal. But I agree, you’re right.

[@corysmithmusic8697]

Yes 🙌🏼 the 5x to buy prepaid debit cards at office supply stores is OP! I made this realization a few days ago

[@LukesPointsandMiles]

Nice work!

[@ShawnBoese]

This was like watching Kung Fu theater! Great info though!

[@LukesPointsandMiles]

Sorry. I have no clue what happened and I haven’t had the chance to look at it to fix it

[@paulcaskey]

Good information. Thanks for sharing.

[@LukesPointsandMiles]

Thanks for watching!!

[@truckchefro4534]

Great video !!!🎉🎉

[@LukesPointsandMiles]

Thanks for watching!!

[@mtnbob]

Luke, during your intro I was thinking to myself, he better say an Ink and not the VX 😂 Love the content as always!

[@LukesPointsandMiles]

Ahahaha. The ink is a monster!!

[@vickiarnold7300]

Great job on KZbin ❤

[@LukesPointsandMiles]

Thanks Vickie.

[@ddennis510]

Amen! I do carry both and will admit the Ink Cash is the better Hyatt card 😁. The WOH cc is used primarily for the anniversary night when it comes around, and some of these Cat 4's arent bad for $95. Great video as always Luke.

[@LukesPointsandMiles]

Thank you sir! I know some folks forgot about the fee night and it can expire because tjey just aren’t staying at those category hotels anymore.

[@ddennis510]

This is true. Having points on deck to use whenever is better than putting a timer on restricted free night. ​@@LukesPointsandMiles

[@IceIcelce]

I still stay at Marriott and Hilton when there’s good value/location/by property and I never travel for business. I still need those extra nights from the personal + spend on the Biz for status purposes. Rather than do mattress runs, I will prepay taxes for for globalist status, so for me it’s kinda mandatory that I spend 15k on the personal card first and then do 10K tax payment chunks on the business side.

[@billyrodgers4611]

Also I usually get $500 visa debit card for my birthday monthly Costco run! I’ve totally ditched the Citi Costco card. That’s 2500 UR points every two weeks 5000 points a month just for shopping at Costco

[@AnthonyVenture]

Absolutely agreed that spending that $15k for the FNC doesn’t make sense for a Cat 1-4, I’m even sometimes surprised to see folks do it on the Surpass, but that can be a lot more valuable haha. Interesting to get the gift cards for utilities, i just got the Ink Cash recently, and i do have a few office depots near me hmmm. Good stuff Luke, great thoughts!

[@LukesPointsandMiles]

Thank you sir! I think the surpass is an easy yes. Big earnings on groceries gas and dining and you can book a room that costs well over $1k. That’s an amazing value.

[@jimmyjames6492]

Interesting strategy. Chase WOH is definitely a sock drawer card just for the FNC IMO. $15K spend is going on the AMEX Hilton Surpass for the Hilton FNC. Thanks for the info + video!

[@LukesPointsandMiles]

Thanks for watching. I dont even think the WOH is worth spending $15k on for a $100 night room.

[@jimmyjames6492]

@@LukesPointsandMiles 🤣🤣🤣

[@daviddriscoll1922]

It's a free night every anniversary year that can outweigh the annual fee. 15k spend will get you another free night.

[@LukesPointsandMiles]

@@daviddriscoll1922 oh shoot you’re right. Sorry, I had a brain fart. Been a busy day

[@DCGEMINI202]

U forgot to mention that u would need to pay at least $95 dollars for a card that will allow u to transfer those points to hyatt. Also i dont understand y so many people like this card. The multipliers seem horrible to me.

[@LukesPointsandMiles]

I’m assuming if you are in the Chase eco system and you have travel credit cards but you are right. Which card has the horrible multipliers?

[@chadpennycuff]

WoH card is the poor kid on the playground who gets chosen last for the kickball team. Very low on the 5/24 pecking order but still deserves a spot for FNA, free water bottles when staying, and when you're out of SUBs from multiple inks and multiple flexes, it makes sense. If the 2nd tier SUB of 2x catch-all up to 15k is offered, I'll sub this card for a 1.5 Unlimited to get 2x SUB on 15k and the extra FNA (which would make it roughly 2.8x for a 12k redemption). Otherwise, the card gets sent to the travel wallet only to come out to play when paying for a Hyatt stay. The card direly needs a revamp.

[@LukesPointsandMiles]

Agree 💯!

[@travelpointsfamily]

I keep on hoping for that revamp. In the meantime, I'm still considering getting the WOH personal soon. It's definitely not the best earner for non-Hyatt purchases. If you care about status, that 15K annual will leave you with 11 QNs, a FNA, and enough points for another night. Those 13 (total) QNs have you more than a third of the way to Explorist (20% of the way to Globalist).

[@LukesPointsandMiles]

@@travelpointsfamily oof. THe issue with that is for anyone even close to normal. If you want globalist you have to forfeit using a card that earns, and you cant stay anywhere other than hyatt AND you have to still stay a lot of nights. Probably paid night because that card doesnt' earn.

[@newagain9964]

Feels like if ur a real player in this game u won’t end up with this card. If u have this card, because u targeted it. For players tho opportunity cost is to great and/or ur locked out. There is the loooon term tho where I guess after some time and ending up 0/24, u been at it long enough no other decent cards, then ur able to get it.

[@LukesPointsandMiles]

@@newagain9964 you could be right. The fact is though some folks have complete blind loyalty to Hyatt and then there are some that can stay 100 nights a year for work. Most casual or normal travelers don’t need this card

[@robertjarrell7276]

Your audio is badly out of sync on the second half of the video.

[@LukesPointsandMiles]

I’ll look into. I didn’t realize that

[@paulstein916]

I like your strategy. The issue I am running into these days in my neck of the woods is that more and more payees are charging “convenience fees” that is like a tax that reduces ROI on my investment in UR points. For me, it still would be a positive return but might be 2-3% instead of 5%. Insurance, taxes and utilities all charging convenience fees. Internet, cell phone, gas and stores still work.

[@LukesPointsandMiles]

Interesting, where I am the fees are normally only for credit card payments. Using a debit card is normally no fee.

[@billwright2176]

Best card 5/24 is a new freedom flex with the 12k x10 groceries sign up bonus. Now the gift cards are at a grocery store.

[@JuanGarcia-hr1wf]

Great video Luke. I have the WOH card for the FNC. I'm at 8/24 so need to garden until Feb 2025 before reapplying for the INK cash. Open Chase business account just to give myself the best opportunity. 🤞

[@LukesPointsandMiles]

Get that gardening in!!

[@ryanccc777]

Great examples, and I might explore this option. I got the WoH card since I had a number of Hyatt stays already planned and the 5 qualifying nights that come with the card in combination with promotions they are sending my way (2x qualifying nights on certain stays, 10k max bonus points on stays in a 90 day window etc) added up. This year I’ll get the 1 free night on the personal card as a standard perk, 1 free night for brand explorer (which I could have done with or without the card) and another free night due to the qualifying night level which I achieved in part due to the card so by Spring 2025 that’ll get me 3 free nights, fair enough only at a cat 1-4 but that’ll get me three nights at the Andaz in Savannah.

[@LukesPointsandMiles]

Nice work. Thats a lot of Hyatt stays!!!

[@ryanccc777]

@@LukesPointsandMiles I appreciate all of the guidance and input from your channel!! For me it is all about the experiences with the family. All on points I was able to book the Hyatt Regency Indian Wells (Palm Desert) and go to Joshua Tree, the Hyatt Regency Gainy Ranch (Scottsdale) and we saw the Grand Canyon and in December 2024 the Grand Hyatt Baha Mar (with a few paid stays in between at smaller properties). Thanks again!

[@LukesPointsandMiles]

@@ryanccc777 big league dad!!

[@phoenixfats1190]

The free night Cat 1-4 for the annual fee alone is worth it. I agree on the point of how only globalist status has the great perks but I like it that way. Other than a check in line and points earling boost the other two statuses don't get much but those two things IMO are worth it. When I stay with other brands with easily obtainable status, it doesn't mean much. If everyone has status then no one does. If you're looking to maximize I agree with your philosophy. Though I am getting burnout from that. The hyatt cent per point value alone is worth it cobranded or chase UR transfer. I went cobranded because I spend 4 years only transferring to Hyatt, the airlines did not make sense from a cent to point value.

[@LukesPointsandMiles]

“If everyone has status, no one has status”. $36-$50 food and beverage credit per day would generally defeat that argument. It doesn’t matter how many people get $50 a day, my fruity drink still tastes great.

[@divyv20]

Hey Luke , very good video . I can do better editing in your videos which can help you to get more engagement in your videos . Pls lmk what do you think ?

[@LukesPointsandMiles]

No thanks. I like being a one man show

[@krs1905]

I use my Hyatt business card for my stays, I get spending towards status at Hyatt with the Biz Card. The reason that I stay at Hyatt is for Globalist and my biz card spend counts towards it.

[@LukesPointsandMiles]

Makes sense. Most folks will find it really tough to get globalist

[@krs1905]

@@LukesPointsandMiles when you pair the card with some of their bonus tiers then it starts to make more sense, they give you 10k point bonuses for every $10k of spend over 70 nights. Adding one more x to spend. It turns into a 3x card for me at that point.

[@LukesPointsandMiles]

But when you do that, not only are you spending on an overwhelmingly inferior earning card but Hyatt has a way of making folks do things that really dont make sense during those promotions. LIke dummy bookings and renting a room as a home office just to earn nights. It really gets out of hand quickly with Hyatt

[@LogosBKC]

The only two things left to defend the Hyatt card as a choice are that you want to at least churn n burn the bonus one time and secondly the points are some of the highest value so it’s not unreasonable to take that 2x as a 4x compared to other earners. Regardless you make a strong argument.

[@LukesPointsandMiles]

I agree about getting the bonus but if 2x hyatt points are 4x then 5x ur points have to be 10x right?

[@LogosBKC]

@@LukesPointsandMiles 👌🏼 💯 makes sense to me 👍🏼

[@stevestevens5805]

Great video Luke. Regarding the gift cards from Staples, Home Depot etc, you refer to them as debit and not credit. Is that critical if prepaying annual utility bills, which is quite clever BTW.

[@LukesPointsandMiles]

That is correct. THey are debit cards just like any other debit card normal folks use to pay bills. THey are just from staples, basically.

[@stevestevens5805]

Thank you.

[@ChristianTroy02]

Great review and I think I may apply for this card in a few months. Got my first chase card 2 months ago and I was Amex for life prior. Do you think Chase will EVER get a 2x flat card ?

[@LukesPointsandMiles]

Nope. Chase fans are so blindly loyal, Chase didn’t have to do anything

[@dgaidachuk]

It’s inaccurate to factor in the 95 dollars for Hyatt credit card. You still need to pair a credit card with annual fee to be able to transfer points to Hyatt

[@LukesPointsandMiles]

That’s a good point

[@VincentPascual]

It’s annoying that Chase requires you to have a card with an annual fee just to be able to transfer points to partners. Amex, Capital One, Bilt, and now Wells Fargo (through the no annual fee Autograph) let you transfer to partners without an annual fee. Even Citi will let you transfer to only a few partners without an annual fee (although you need an annual fee card to unlock all of the partners).

[@LukesPointsandMiles]

CHase can get away with this because they have blind loyalty from their fans.

[@JoseSantiago-yq7co]

If you have a bench of no annual fee UR cards, there is no need to pay the annual fee. Just upgrade when you need to transfer and downgrade when the annual fee hits. That's the best part! Annual fees with Chase are optional beyond year 1.

[@LukesPointsandMiles]

@@JoseSantiago-yq7co I don’t talk about techniques like that. Just my own personal thing.

[@kura_bot]

oh this is gonna be a good one

[@LukesPointsandMiles]

💯

[@kura_bot]

Update: 10:33 I do want cash back!, but all jokes aside it was indeed a good video

[@LukesPointsandMiles]

@@kura_bot thanks for watching

[@junboo8730]

Luke. Last night I was approved for the IHG business card. How much should I wait to apply for this card? Thank you in advance and thank you for the great video. Verify the audio 💪

[@LukesPointsandMiles]

With chase I’ve always waited 30 days between biz card applications. But if you’re under 5/24 you might not need to wait. Just make sure you can hit the bonus on both.

[@johnwick860]

75k > 30k great catch Uncle Luke... will definitely consider the car insurance, property taxes, gas stations via Visa / MC GCs

[@LukesPointsandMiles]

Thanks for watching!!

[@mattbateh8717]

@@LukesPointsandMiles But property taxes usually charges a 3% fee

[@LukesPointsandMiles]

@@mattbateh8717 Ah yes of course - there is a small fee there. But 5x UR points should still make sense. If it's not too much trouble stopping at the store

[@LukesPointsandMiles]

@@mattbateh8717 I think where I live it is quite 3% though.

[@blakinsideandout]

Genuine question here: why is the comparison hotel card vs transferrable currency conversation never about paying for hotel stays?? Isn't the purpose of a hotel card to build loyalty and earn points for stays there?? 9X for a hotel stay is better than 1X for the same stay??

[@LukesPointsandMiles]

I think we may be confused. There is actually no 1x stay in this comparison. This comparison was best card to stay at a Hyatt on points. With Hyatt, the only status that matters is globalist and that is very difficult for most folks to achieve. Therefore, the CIC is a great card for someone that wants to use points to stay at hyatts.

[@VictorMartinez-zf6dt]

I could not justify the World of Hyatt card for the second year

[@LukesPointsandMiles]

I can understand. The free night is nice but for me there would be a chance it expires before using it.

[@IanMaschal]

Some people complain about the small amounts left on the gift cards. I own a business with a pos and just ring something up for 5 bucks and swipe cards until it covers the five bucks. I lose 2.27% but better than losing it all.

[@LukesPointsandMiles]

Grocery stores will drain the gift cards and most of us buy groceries.

[@PurpleDrazi]

I add leftover amounts to my Amazon "gift card" balance

[@headlibrarian1996]

Just a straight 2.27%, no 0.30-0.50 fixed fee on top? Are you draining as debit or credit?

[@LukesPointsandMiles]

@@PurpleDrazi that makes sense

[@LukesPointsandMiles]

@@headlibrarian1996 I don’t pay any fee at all when inside my debit cards

[@1Talex]

AGREED 👍

[@LukesPointsandMiles]

Thanks for watching!!

[@getsugatenshoFTW]

I prefer not to focus too much on buying visa/mastercard GCs unless I have bills that I can quickly pay so I can ensure I can liquidate those cards (specifically visa, i don't touch mastercards because theyre notorious for getting hacked.)

[@getsugatenshoFTW]

I also do want to caveat this video that Luke is only talking about situations where you want to generate a lot of points to TRANSFER to hyatt via the chase and hyatt partnership. I personally stay at hyatt properties often for work which entails reimbursable spend and I earn 10.5 points per dollar on my WoH card as a globalist.

[@LukesPointsandMiles]

I try to liquidate quickly as well. So far so good!!

[@MrShaunG]

That dynamic points pricing for Mr and Mrs Smith is a good trial fellas.. looks like foreshadowing to me, have fun while it lasts

[@LukesPointsandMiles]

Party is almost over!!

[@densnow4816]

Luke,question: what is best redemption strategy for family with kids who have zero flexibility due to school holidays? Chasing redemption not practical, but how get best value when choosing your own travel arrangements?

[@LukesPointsandMiles]

A lot of my travel is like they but I still think there are lot of rewards options available. If you find you can’t find award availability, I don’t think travel portals are too bad. (Cap1 and Chase). But if you’re not going to be getting big value from redemptions, 5% cash back cards are going to be the way to go. I also think most hotel cards can work for your situation.

[@densnow4816]

@@LukesPointsandMiles Thanks Luke. So book via CapOne or Bilt portal (in my case) and use points to lower cost? Or pay cash and then “erase” expenses later?

[@LukesPointsandMiles]

@@densnow4816 those are two options. I would still search for award availability just Because there is so much more value there.

[@LukesPointsandMiles]

@@densnow4816 but 5% cash back will also be a better value than redeeming for a low value.

[@jyk000]

This is the best card for earning, but not if you’re gunning for status. I keep a WoH card open just for discoverist so I can earn with AA as well.

[@LukesPointsandMiles]

Discoverist status doesn’t even exist.

[@IanMaschal]

@@LukesPointsandMilesplease explain

[@LukesPointsandMiles]

@@IanMaschal discoverist status does zero. Absolutely nothing.

[@headlibrarian1996]

@@LukesPointsandMiles Hyatt got rid of *guaranteed* late checkout for Discoverist? As a night owl by fiat that’s an awesome perk only matched by Bonvoy Platinum and Amex FHR, and I’ll probably never get an Amex Platinum (or Sapphire Reserve) because none of my airports have lounges.

[@LukesPointsandMiles]

to be far, if you just ask for a late check out - there is an overwhelming chance they will grant it with no status

[@Paul_seekingthetruth4U]

Freedom Flex

[@LukesPointsandMiles]

Another good one but sadly it’s capped so low it can’t really earn

[@mostlyfreetravel]

I wish I could easily liquidate over $1000/month in gift cards but I find that a lot of places online don’t take them. I can pay my power bill with them though. I’ve never tried paying property tax with them. What auto insurance company do you use? Mine never seems to take them and I’ve been with a few different companies.

[@LukesPointsandMiles]

USAA. It’s never been an issue with them.

[@chrisv4920]

Thank you uncle Luke. I thought of getting the WOH at some point, but the more I see, this card is not that great 💩🗑️

[@LukesPointsandMiles]

I think you can almost always do better (unless of course you’re staying 50+ nights at Hyatt for work or something.

[@shahnulislam9897]

Hey Luke, I'm getting 5x on rent with the hilton business card with the refresh, now

[@LukesPointsandMiles]

Well that is interesting!!

[@shahnulislam9897]

@@LukesPointsandMiles the FNC on j hilton business goes away June 23

[@billyrodgers4611]

And to add on they are the $200 ones

[@headlibrarian1996]

How are you paying for the really expensive items like insurance? I’d need between 10 and 20 swipes at $200 per card to pay for my semiannual or annual insurance bill and property tax, and I’m not sure that’s even possible. Most payees only accept a single charge to pay.

[@LukesPointsandMiles]

I use USAA and I’ll swipe a $200 every day until it’s paid. It take around 2 minutes.

[@JoseSantiago-yq7co]

That's what sign up bonuses are for.

[@LukesPointsandMiles]

@@JoseSantiago-yq7co yup. Sign up bonuses for ink cards especially.

[@headlibrarian1996]

@@JoseSantiago-yq7co You missed my point.

[@JoseSantiago-yq7co]

@@headlibrarian1996 My answer was short, but I don't think I missed your point. The longer answer follows.... I often pay my property taxes with partial payments in $200 increments. The website my municipality uses allows this. Its a bit annoying, but works well. For insurance, the website does not allow partial payments so I typically use that payment to work towards a signup or spend bonus or a couple times I had an AMEX offer for 10% off any insurance payment.

[@brandonunruh1822]

It’s only 1 point per dollar extra by using a gift card purchased at an office supply store to purchase a Hyatt stay. Rather use those gift cards for other things if I’m going to jump through hoops. Think the main Hyatt card is still a keeper with the Free Night

[@LukesPointsandMiles]

I don’t think you understand. We’re not purchasing Hyatt gift cards. Or cards for Hyatt stays. We’re purchasing visa debit card with no fees and getting 5x. Using those debit cards to pay for non category spend. Also $15k on the Hyatt compared to $15k spend on the CIC makes that cheap free night meaningless

[@brandonunruh1822]

@@LukesPointsandMiles And the Hyatt card gives you 4X on Hyatt stays. That’s the only time I use it. Otherwise it’s a sock drawer card. Already use the Ink Cash for gift cards at office supply stores. Just saying there’s nothing wrong with having both

[@LukesPointsandMiles]

@@brandonunruh1822 I agree. But you’re paying for Hyatt stays???

[@brandonunruh1822]

@@LukesPointsandMiles Not many. But sometimes my company will reimburse me so yes. Not using points on a business trip 😆 But I always get more than $95 value out of the free night so it’s a keeper card for me. Totally agree with you on the Ink Cash thought to rack up points. I use my Wyndham Business for utilities but I do buy a lot of Amazon and Restaurant Gift Cards with it

[@LukesPointsandMiles]

@@brandonunruh1822 man I’ve seen some really good Wyndham redemptions in South America lately. I don’t have that biz card though.

[@WhatsThePoints1]

Are these Staples GC sales only in physical stores? Don’t think there’s any near me only Office Depot

[@LukesPointsandMiles]

I think so. They’re also at office max or Office Depot

[@JoseSantiago-yq7co]

Office Depot has better sales than Staples, although I believe the limits are more restrictive.

[@LukesPointsandMiles]

@@JoseSantiago-yq7co I not mention staples for me because it’s way more convenient. I’m not sure where an Office Depot is

[@JoseSantiago-yq7co]

@@LukesPointsandMiles same for me. Office Depot is way out of my way, but I have hit them up once or twice when traveling.

[@DCGEMINI202]

My hyatt card is currently my catch all card since i dont have one. Idk what ill do after i hit the $15k spend which is y i want the CIU, i keep seeing people say the CIC is better but i just dont see it

[@LukesPointsandMiles]

I can’t imagine comparing the CIU to the CIC. To me the CIC just has more potential

[@DCGEMINI202]

@@LukesPointsandMiles verizon (who i use) will charge u a fee for using credit cards so thats a no, 2x on gas can be beat with any 5% cash back card, 5x on office supply stores requires u to pre pay for debit cards at office supply stores that barely exist. This is y im hesitant on the cic. When would i earn points? Everyone sees it as a good card but i dont understand how

[@DCGEMINI202]

@@LukesPointsandMiles i dont see how. But everyone seems to love it. Its youtubes favorite business credit card but i just dont see the value

[@LukesPointsandMiles]

@@DCGEMINI202 are you earning on cable/internet/phones? What about utilities? Tough to beat 5x UR points on all those things.

[@DCGEMINI202]

@@LukesPointsandMiles besides cell i get 1x with my bilt card for those transactions but they all (minus cell) charge a fee if i pay with a credit card which is y i use my bilt card. It codes as “rent”. I hate paying fees for bills which is y i use the bilt card. I might get the cic just for the sub and try it for a year then possibly cancel

[@riosafado]

Would Chase shut you down from buying too many staples gift cards?

[@LukesPointsandMiles]

I have never heard of that happending and there is also a $25k cap on those earnings so there is kind of a build in regulator

[@IanMaschal]

Can you give out my ink referral link once yours is used up?

[@LukesPointsandMiles]

I don’t think mine will ever gets used up!!

[@Cody.Little]

This is making me think, I should just use the ink cash to buy visa/mastercard gift cards and then use them for Hyatt stays. The WoH card only earns 4x points at Hyatt so might as well earn 5x instead lmao

[@LukesPointsandMiles]

I don’t think that’s a great idea. I think hotels need a credit card anyway! Haha

[@Cody.Little]

@@LukesPointsandMiles ahhh yeah that’s a good point. Rip

[@krs1905]

First

[@LukesPointsandMiles]

🥇

[@marklihsu]

I'm the idiot that spends to globalist on my biz Hyatt 😂

[@LukesPointsandMiles]

I’m sure you have a good reason though. Or a situation that makes sense.

[@theclown888]

I’m just not a fan of Chase. appreciate the video though!

[@LukesPointsandMiles]

I understand.

[@newagain9964]

Yeah. Chase is lackluster. They do have a few good co branded cards tho, if just to churn SUBs.

[@LukesPointsandMiles]

@@newagain9964 Chase definitely has its strengths

[@newagain9964]

@@LukesPointsandMiles yeah. Managing tightly. Can’t wait until i hit card #5 tho. Then i can finally scoop up some good cards, some keepers like Redstone, Journey. Next slot is USBAR, but need to chill for a few mos.

[@CesarJoel]

Agree 💯! The Ink Cash is the best Hyatt card. I like Hyatt properties and use Chase points to stay there but, those Hyatt cards are 🗑️ Thanks for the info Uncle Luke!🫵

[@LukesPointsandMiles]

Thank you sir!!

[@IXFIT99]

Are UR points earned on personal Freedom cards transferable to Ink Biz?

[@LukesPointsandMiles]

Yes