Try for a 4th chase card !?

[chalupaman]

---

@B335is wrote:
I had the Hyatt card about 2 years ago. I was never able to actually use those two free nights, but you have to call in and have them manually check availability. But they are extremely friendly so it wasn't a bad experience, just kind of old school in terms of redemption. Hyatt is probably a better bonus than Marriott, but Hyatt doesn't come close to the number of worldwide locations of Marriott.

I also had CSP at one point. The UR points give more flexibility than Hyatt or Marriott points. Out of the three cards, Marriott is the only one I still have. The problem with Chase cards is they all have good bonuses

---

And that makes it hard for me to actually garden, so I guess I have a scapegoat I can use now.

Chase has become my favorite prime lender by far because of that though and how well they have treated me for the most part. Most of my spending is now on their cards, even moreso than Amex has been in the past.

[scorewatcher7]

the underwriting on marriott is jpmorgan/chase so partnership or not, the card is under their credit approval scrutiny. I would say you need to do a cost/benefit on what you're looking for in rewards. I have the RC and yes its 395, but I easily make that up in stays. The rewards program for RC is also Marriott so it works out in my benefit for either chain. However, I don't know if Marriott works for RC, but I imagine it does. If you want to avoid the high AF, I would go with Marriott.