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

Shawn Coomer
Reviewed by Shawn Coomer

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MTM Travel July 2, 2026

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.

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Shawn Coomer
Shawn Coomerhttps://milestomemories.com/
Shawn Coomer earns and burns millions of miles/points per year circling the globe with his family. An expert at accumulating travel rewards, he founded Miles to Memories to help others achieve their travel goals for pennies on the dollar. Shawn also runs a million dollar reselling business, knows Vegas better than most and loves to spend his time at the 12 Disney parks across the world.

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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At Miles to Memories we share the best tips, tricks and deals plus travel rants, musings, hotel, airline and loyalty program reviews and a lot more! Our goal is to help people save money so they can get out there and travel the world! Through our various blog posts, podcasts & videos we teach others how to maximize loyalty rewards, hotel & airline programs and credit cards to achieve amazing things.

Disclaimer - Miles to Memories & the author are not credit providers and do not provide personal financial or professional advice or credit assistance. The information published on this site/page is of a general nature only and does not consider your personal objectives, financial situation or particular needs.

All information published here is personal opinion and comes from personal experience. The information published on this site/page should not be relied upon as a substitute for personal financial or professional advice. ESR Media, LLC, Miles to Memories and the author strongly recommend that you seek independent advice before you apply for any product or service, which is described on the site/page.

Editorial Note - Opinions expressed here are the author's alone, not those of any partner bank, credit card issuer, hotel, airline, or other partner. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.