I’m currently a Hilton Gold member, thanks to my Amex Surpass card, and an IHG Platinum Elite member, all thanks to my Chase Premier card. I mainly snagged the IHG card for its sign-up bonus, and now I’m sitting on around 193,000 points. But here’s the kicker — my stays at a few Holiday Inn and Holiday Inn Express spots have been less than stellar. The rooms were dirty, the service was all over the place, and to top it off, I recently discovered that most of these places are actually franchised. On the flip side, Hilton properties, especially Hampton and Hilton Garden Inn, have been consistently better. So, I’m toying with the idea of downgrading my IHG card to the no-annual-fee version next year. What’s your take on Marriott Bonvoy or World of Hyatt? How do the credit cards stack up against actual stays? Are the perks of loyalty really worth it? Any regrets from making the switch (or not) from IHG? I’m all ears for some real-life comparisons before I make the leap to change my allegiance.