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US Bank FlexPoints vs Chase UR points

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Valued Contributor

Re: US Bank FlexPoints vs Chase UR points


@wasCB14 wrote:

The 5x Freedom card often has a grocery quarter, but it's temporary and capped.

 

Neither system is particularly good for grocery spend. If you're shopping at places that fit within Amex's "supermarket" category, maybe look at something like Gold or EveryDay Preferred as a way to earn a lot of miles (if you can use the MR transfer partners or their codeshares).


I'd lean towards the AR at 4.5x for groceries all the time without having to think about quaters and limited spend. 

Amex would require that OP add another currency, but I agree they have better cards for supermarkets if the spend justifies getting an Amex.

AMEX | BofA | Barclays | Cap One | Chase | Citi | Discover | PenFed | SYNCB (PP 2%, Lowe's, Amazon, PP Credit) | US Bank
Message 11 of 18
Valued Contributor

Re: US Bank FlexPoints vs Chase UR points


@imaximous wrote:

It all depends on how you're going to use each currency and the categories that you spend the most on. If you're converting URs to cash only, it is possible that you could get more value from USB depending on your spend. But, I could get a lot more value from transferring URs to partners depending on the circumstances, and if I have the patience and luck to deal with award availability. 

For instance, I have an upcoming reward stay at Hyatt that costs only 15,000 points per night, but the cash price is over $550 per night plus taxes. That's nearly $2,000 for a long weekend, but I'm using only 45,000 points. I can get those points pretty quickly with a cowhere mbination of a few UR earning cards.

I love my USB AR, and I use it a lot with Samsung Pay, but it just can't compete with certain redemptions.


Which Hyatt is that?  I have never seen anything like that.  Consistently getting 1.8  to 2 CPP with Hyatt. I got my Hyatt 2 free nights and beat by a hair the price increase at Regency in Amsterdam.  They raised from 15k to 25k for room that tops out at $300. 

I prefer Marriott points as so many locations, 5th night free and much easier to earn. 

More cards than I can mention in a signature.
Message 12 of 18
Established Contributor

Re: US Bank FlexPoints vs Chase UR points

OP, 1.7 cpp can still be extremely low. If I recall correctly I’m getting over 5cpp value on a Hyatt redemption. I also get well over that on a second Hyatt redemption later this year.
PERSONAL; Amex | BBVA | Capital 1 | Chase | Citi | Discover | NFCU | Synchrony | US Bank
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Message 13 of 18
Valued Contributor

Re: US Bank FlexPoints vs Chase UR points


@Caught750 wrote:
OP, 1.7 cpp can still be extremely low. If I recall correctly I’m getting over 5cpp value on a Hyatt redemption. I also get well over that on a second Hyatt redemption later this year.

Hotel and dates?

More cards than I can mention in a signature.
Message 14 of 18
Established Contributor

Re: US Bank FlexPoints vs Chase UR points

Hyatt Orlando this November under the old award chart. Hyatt OCMD this August.
PERSONAL; Amex | BBVA | Capital 1 | Chase | Citi | Discover | NFCU | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current EQ•718 | TU•779 | EX•714
Message 15 of 18
Valued Contributor

Re: US Bank FlexPoints vs Chase UR points


@frogman1 wrote:

@imaximous wrote:

It all depends on how you're going to use each currency and the categories that you spend the most on. If you're converting URs to cash only, it is possible that you could get more value from USB depending on your spend. But, I could get a lot more value from transferring URs to partners depending on the circumstances, and if I have the patience and luck to deal with award availability. 

For instance, I have an upcoming reward stay at Hyatt that costs only 15,000 points per night, but the cash price is over $550 per night plus taxes. That's nearly $2,000 for a long weekend, but I'm using only 45,000 points. I can get those points pretty quickly with a cowhere mbination of a few UR earning cards.

I love my USB AR, and I use it a lot with Samsung Pay, but it just can't compete with certain redemptions.


Which Hyatt is that?  I have never seen anything like that.  Consistently getting 1.8  to 2 CPP with Hyatt. I got my Hyatt 2 free nights and beat by a hair the price increase at Regency in Amsterdam.  They raised from 15k to 25k for room that tops out at $300. 

I prefer Marriott points as so many locations, 5th night free and much easier to earn. 


It’s not a high-end property. It’s a Hyatt Place in Ocean City, MD. What happens is that it’s a 15k-per-night hotel, but in the summer, cash prices per night can go above $500 + taxes per night because it’s right on the beach.

 

ETA: I can’t get any Marriott points because I have direct family there. I book a special low rate, but it doesn’t qualify for any points or elite nights, so I don’t bother trying to earn any points.

AMEX | BofA | Barclays | Cap One | Chase | Citi | Discover | PenFed | SYNCB (PP 2%, Lowe's, Amazon, PP Credit) | US Bank
Message 16 of 18
Valued Contributor

Re: US Bank FlexPoints vs Chase UR points


@imaximous wrote:

@frogman1 wrote:

@imaximous wrote:

It all depends on how you're going to use each currency and the categories that you spend the most on. If you're converting URs to cash only, it is possible that you could get more value from USB depending on your spend. But, I could get a lot more value from transferring URs to partners depending on the circumstances, and if I have the patience and luck to deal with award availability. 

For instance, I have an upcoming reward stay at Hyatt that costs only 15,000 points per night, but the cash price is over $550 per night plus taxes. That's nearly $2,000 for a long weekend, but I'm using only 45,000 points. I can get those points pretty quickly with a cowhere mbination of a few UR earning cards.

I love my USB AR, and I use it a lot with Samsung Pay, but it just can't compete with certain redemptions.


Which Hyatt is that?  I have never seen anything like that.  Consistently getting 1.8  to 2 CPP with Hyatt. I got my Hyatt 2 free nights and beat by a hair the price increase at Regency in Amsterdam.  They raised from 15k to 25k for room that tops out at $300. 

I prefer Marriott points as so many locations, 5th night free and much easier to earn. 


It’s not a high-end property. It’s a Hyatt Place in Ocean City, MD. What happens is that it’s a 15k-per-night hotel, but in the summer, cash prices per night can go above $500 + taxes per night because it’s right on the beach.

 

ETA: I can’t get any Marriott points because I have direct family there. I book a special low rate, but it doesn’t qualify for any points or elite nights, so I don’t bother trying to earn any points.


I booked that hotel for 6 days last August.  Cash price was $300 a night.  It didnt open on time and they gave me 100k Hyatt points as compensation.  I didnt ask for compensation.  I rebooked for the Dewey Beach Hyatt which was a better location but hotel wasnt all that great. I stayed at Marriott at Bethany this year which I would say is pretty awesome  

 

How was the Ocean City Hyatt? I might stay their  next year 

More cards than I can mention in a signature.
Message 17 of 18
Valued Contributor

Re: US Bank FlexPoints vs Chase UR points


@frogman1 wrote:

@imaximous wrote:

@frogman1 wrote:

@imaximous wrote:

It all depends on how you're going to use each currency and the categories that you spend the most on. If you're converting URs to cash only, it is possible that you could get more value from USB depending on your spend. But, I could get a lot more value from transferring URs to partners depending on the circumstances, and if I have the patience and luck to deal with award availability. 

For instance, I have an upcoming reward stay at Hyatt that costs only 15,000 points per night, but the cash price is over $550 per night plus taxes. That's nearly $2,000 for a long weekend, but I'm using only 45,000 points. I can get those points pretty quickly with a cowhere mbination of a few UR earning cards.

I love my USB AR, and I use it a lot with Samsung Pay, but it just can't compete with certain redemptions.


Which Hyatt is that?  I have never seen anything like that.  Consistently getting 1.8  to 2 CPP with Hyatt. I got my Hyatt 2 free nights and beat by a hair the price increase at Regency in Amsterdam.  They raised from 15k to 25k for room that tops out at $300. 

I prefer Marriott points as so many locations, 5th night free and much easier to earn. 


It’s not a high-end property. It’s a Hyatt Place in Ocean City, MD. What happens is that it’s a 15k-per-night hotel, but in the summer, cash prices per night can go above $500 + taxes per night because it’s right on the beach.

 

ETA: I can’t get any Marriott points because I have direct family there. I book a special low rate, but it doesn’t qualify for any points or elite nights, so I don’t bother trying to earn any points.


I booked that hotel for 6 days last August.  Cash price was $300 a night.  It didnt open on time and they gave me 100k Hyatt points as compensation.  I didnt ask for compensation.  I rebooked for the Dewey Beach Hyatt which was a better location but hotel wasnt all that great. I stayed at Marriott at Bethany this year which I would say is pretty awesome  

 

How was the Ocean City Hyatt? I might stay their  next year 


100k points? Wow. That’s pretty much a full week there on points. Easily $3k+ in value this summer. I definitely didn’t find anything for $300.

 

I haven’t stayed there yet, so I can’t comment on the property but Hyatt Place seems to be pretty consistent in terms of features, so I have a good idea of what to expect. I need space for 5, and they have rooms with 2 queens and sofa bed. It works out great for us.

AMEX | BofA | Barclays | Cap One | Chase | Citi | Discover | PenFed | SYNCB (PP 2%, Lowe's, Amazon, PP Credit) | US Bank
Message 18 of 18
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