Episode Details

• Get a $230 gift card after making a $500 payment with Melio (affiliate) - https://milestomemories.com/go/melio

Mark started his morning trapped in his own backyard by a skunk, and somehow that was not the worst news of the day. Bilt just announced it is cutting Hyatt transfers from 1:1 to 4:3 on January 1, the same change Chase made to the Sapphire Preferred, and it has us convinced we know who is really behind all of this. We get into why Hyatt might actually want it this way and what it says about where the program is headed. Plus Q4's 5% categories went all in on dining, Chase has new targeted spend offers worth checking, Audible is back at 99 cents a month with a bonus credit, and easy bank bonuses are back, including an E*Trade offer worth up to $800 with a 4.25% APY. Is Hyatt still worth chasing for you? Let us know in the comments.

Episode Guide:

• 0:00 Welcome to MTM Travel
• 0:23 Mark Gets Trapped by a Skunk
• 3:58 Q4 5% Categories: Dining Everywhere
• 5:31 Chase's New Targeted Spend Offers
• 7:09 Audible Is Back to 99 Cents a Month
• 9:58 Melio: $230 Gift Card After a $500 Payment
• 10:36 Getting Back Into Bank Bonuses
• 12:54 E*Trade's Up to $800 Bonus & 4.25% APY
• 15:54 Ameriprise Platinum, Mercedes Swag & the Ani Mindset
• 18:20 Bilt to Hyatt Drops to 4:3 in January
• 20:58 Is Hyatt Becoming Marriott?
• 22:52 Why Hyatt Wants Co-Brand Card Spend
• 25:43 Final Thoughts

Links

• 5X cats - https://milestomemories.com/5-categories-for-2026-4th-quarter/
• Chase My Bonus - https://milestomemories.com/chase-my-bonus-quarterly-spending-offers/
• Bank Bonuses - https://milestomemories.com/bank-account-bonuses-2/
• Bilt 4:3 - https://milestomemories.com/bilt-to-hyatt-transfer-ratio/
• E-trade offer - https://milestomemories.com/etrade-800-signup-bonus/

💳 Join our free Facebook group (16,000+ members)
🏆 Diamond Patreon — bonus shows + Slack community
🥇 Gold Membership ($10/mo)
🎧 Subscribe on Apple Podcasts
📖 Miles to Memories website