[scarface_74]

I can get a lot more value out of hotel points between the points that the hotel gives you and what you can get from a cobranded credit card.

In the case of Hilton it’s 34x per dollar (worth around 20%) and Hyatt 9.5x per dollar also worth around 20% back.

[haswell]

That’s totally fair if you’re booking at well known and reputable places.

My point is that not every location fits this criteria, and the cost can be very real.

I fully shared your mindset until I had several major issues with smaller places that easily cost more than whatever value the points had.

I’m now more careful about who I use based on where I’m going. There’s still value in the points, no doubt, but risk as well.