# Hyatt's Category Chaos, Wyndham's NEW $395 Card & Chase Nickel and Dimes Again!

Page: https://stenobird.com/podcast/mtm-travel-the-fun-side-of-points-travel-251388/hyatt-s-category-chaos-wyndham-s-new-395-card-chase-nickel-and-dimes-again
Text version: https://stenobird.com/podcast/mtm-travel-the-fun-side-of-points-travel-251388/hyatt-s-category-chaos-wyndham-s-new-395-card-chase-nickel-and-dimes-again.md
Podcast: [MTM Travel - The Fun Side of Points & Travel!](https://stenobird.com/podcast/mtm-travel-the-fun-side-of-points-travel-251388)
Published: 2026-07-02T19:37:01+00:00
Episode link: https://milestomemories.libsyn.com/hyatts-category-chaos-wyndhams-new-395-card-chase-nickel-and-dimes-again
Audio file: https://dts.podtrac.com/redirect.mp3/pscrb.fm/rss/p/traffic.libsyn.com/secure/milestomemories/MTM_Travel_Jul_2_26_audio2.mp3?dest-id=1462559
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Duration seconds: 1536

## Resource

Get a $200 gift card after your first payment of $500 with Melio (affiliate) - https://milestomemories.com/go/melio/ Want to work with us? Reach out! inquiries at milestomemories dot com Chase quietly cut Pay Yourself Back on the Sapphire Reserve again, dropping the bonus from 25 percent more to 20 percent, and we get into why they keep chipping away at it. Wyndham refreshed its entire card lineup, now four cards deep, headlined by a new $395 premium card with a 120,000 point welcome offer, a never expire points perk, and enough credits to offset the fee for the right person. We break down the new Q3 Chase bonus spending offers worth checking, Wyndham's award chart shakeup adding a new 45,000 point top tier on September 15th, and the real world fallout from Hyatt's category changes, including a category 3 hotel in New Orleans pricing higher than a category 4 one block away. It all adds up to why free night certificates might be more valuable than ever. Let us know in the comments what you are doing for the 4th and whether Chase is getting too nickel and dime. Episode Guide: 0:00 Welcome to MTM Travel 0:24 July 4th, Gas Prices & The EV Debate 3:52 Chase Q3 Bonus Offers Are Live 6:15 Chase Cuts Pay Yourself Back 10:15 Wyndham's New Card Lineup 14:22 Wyndham Award Chart Changes (New 45K Tier) 18:17 Hyatt Chaos: Cat 3 Costs More Than Cat 4 21:30 Is Hyatt Pricing by Demand Now? 24:47 Final Thoughts Links Chase spending offers - https://milestomemories.com/chase-my-bonus-quarterly-spending-offers/ Pay Yourself Back cuts - https://milestomemories.com/pay-yourself-back-devaluation/ Wyndham new card - https://milestomemories.com/refreshed-wyndham-card-portfolio-plus-new-premium-card/ Wyndham new tier - https://milestomemories.com/wyndham-rewards-will-add-new-redemption-tier/ Hy…

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