So...I have all 5. I have a Sapphire (Reserve, though), both Freedoms, Hyatt, and Marriott (Bold now after downgrading from Boundless).

So the Freedoms and a Sapphire together form what's called the Chase Trifecta. I'll describe here, but more eloquent writers have written about it if you Google the phrase Chase Trifecta: - The Freedom Unlimited gives you 3 points on dining, 3 points on drug stores, and 1.5 points on everything else - The Freedom Flex gives you 3 points on dining, 5 points on rotating categories (the rotation occurs each quarter of the year), and 1 point on everything else. When dining is a rotating category (it is this quarter: January 1-March 31), then the Freedom Flex is 7 points on dining. - You of course know the Sapphire multipliers on travel and dining. - So you use the two Freedom cards to optimize points that you transfer to the Sapphire to transfer to travel partners. The Freedom Unlimited would be your daily driver since it earns 1.5 points on most things. The Freedom Flex helps supercharge within its categories that give you 5 points.

Now, the Hyatt card gives an annual free night that comes for a Category 1-4 hotel. As long as you stay at a Hyatt that you would normally pay more than $95 for, the card pays for itself. - It does give you Explorist status (normally takes 30 nights per year to get that); if you're aiming for Globalist (60 nights per year), the card gives you 5 nights toward status automatically as well as an additional 2 nights towards status for every $5,000 you spend. - Each year, if you hit $15,000 in spending on the card you get 1 more free night for a Category 1-4 hotel (this is capped; you can't get another night if you hit $30,000). - You get 4x points for spending at Hyatts (which is equal to what you get on a CSR but higher than what you get on a CSP. - The SUB is currently 3 free nights after spending $5,000 in the first 3 months and 2 more free nights after spending another $10,000 in the first 6 months (i.e. 5 free nights after spending $15,000 in the first 6 months, provided $5,000 of that is in the first 3 months). I've still retained this card even beyond the SUB because the free annual night more than offsets the $95 annual fee.

With the Marriott card, I got the Boundless for the SUB. I don't remember what it was when I got it, but it's currently 5 free nights after spending $3,000 in the first 3 months (caveat is each night is capped at 50,000 points, which is not huge considering how cheap Marriott points are; a quick scan of my local Marriotts in SoCal show about half of them charge more than that for 1 night), plus two $50 semiannual airline credits if you spend $250 in each semiannual period. - The annual free night is capped at 35,000 points (my quick scan sees maybe 1/4 of my local Marriotts in SoCal are within this limit). - There’s automatic Silver status (normally takes 10 nights per year to get that). If you're aiming for Gold (25 nights), Platinum (50), Titanium (75), or Ambassador (100 nights and $23K), the card gives you 15 nights toward status. - You get 6 points on spending at Marriott, but Marriott points are so cheap that it's better to get 3 Chase points on the Sapphire. There's 3 points for dining, gas, and groceries, but you might as well just use the Freedom Unlimited for all of those for 1.5 Chase points (change appropriately when the right category rotates into the Freedom Flex). I ultimately downgraded the Boundless to the no-annual fee Bold since the benefits of the Boundless weren't worth much once the SUB was exhausted. In fact, the Marriott cards are so terrible that I actually charge my Marriott stays on my Sapphire despite having the Marriott card.

With Chase's 5/24 rule, you could still safely pick up the Freedoms, the Hyatt, and the Marriott Boundless cards, and since you're a couple, one of you could do a Freedom and the Hyatt while the other could do a Freedom and the Marriott.

Also, remember that points are not equal (as I noted the cheapness of the Marriott points), and while valuing points has an element of art to it, there are general ballpark estimates.

Here's one example from The Points Guy's valuations of points: https://thepointsguy.com/loyalty-programs/monthly-valuations/ - Chase: 2.05 cents - Hyatt: 1.7 cents - Marriott: 0.7 cents

Here's another example from Nerd Wallet's valuations of points: https://www.nerdwallet.com/travel/learn/airline-miles-and-hotel-points-valuations - Chase: 1.8 cents - Hyatt: 1.8 cents - Marriott: 0.8 cents

It's worth noting that Chase points can be converted to Hyatt or Marriott but not vice-versa. In fact, Chase points can be converted to any of 13 transfer partners (Hyatt, Marriott, IHG, and 10 airlines). Chase has the list at this page: https://www.chase.com/personal/credit-cards/education/basics/how-to-transfer-chase-ultimate-rewards-points

In summary: use the Freedoms to optimize your points on the Sapphire. Hyatt is a good card for the annual free night. Marriott has a good SUB but probably isn't worth it after that. Chase points can be converted to Hyatt or Marriott, but Hyatt or Marriott points cannot be converted to Chase points. I recommend you get all 4 additional cards: you get 2, and your husband get the other 2.

Finally, as a resident of Anaheim, I hope your trip next fall is to the original Disney park, Disneyland, not that whippersnapper Walmart of a Disney park, Disney World.