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Sometimes it’s hard to justify paying a high annual fee for a premium credit card year after year. There’s one card, however, that has been a constant in my wallet for almost a decade. I opened my [applyLink pid=”221211836″ overridetext=”Chase Sapphire Reserve®”] (see [termsConditions pid=”221211836″ overridetext=”rates and fees”]) when it debuted in 2016 and have never thought about canceling or downgrading it. Nearly 10 years after its unveiling, the Sapphire Reserve has finally had its own full refresh, which included an annual fee hike and an overhaul of earning rates, card benefits and design. The new eye-watering $795 annual fee takes the title of most expensive card from [applyLink pid=”22504813″ overridetext=”The Platinum Card® from American Express”] with its $695 annual fee (see [termsConditions pid=”22504813″ overridetext=”rates and fees”]). But despite the massive changes and new annual fee, I still plan on keeping my Sapphire Reserve — and here are the top three reasons why. The $300 credit is still flexible When Chase announced changes to the [applyLink pid=”221211836″ overridetext=”Sapphire Reserve”], my first fear was either losing the $300 flexible travel credit or the issuer implementing some restrictions on its use. These fears weren’t unfounded, as many other issuers have restrictions on travel

Hyatt’s Thompson brand is a staple of the lifestyle hotel category, with locations in popular cities around the world, including Nashville; Palm Springs, California; Savannah, Georgia; and New York. This fall, Thompson is opening its doors to the sun and the sand of one of the country’s most popular hotel destinations: Miami Beach, Florida — and TPG has an exclusive look into some of the fine details about the hotel. HYATT Now taking reservations for stays from Oct. 1 on, Thompson Miami Beach will offer 147 rooms and suites in a stunning new building on 17th Street and Washington Avenue, designed by French architect Rudy Ricciotti, just a few blocks from the beach. HYATT The hotel’s interiors, from acclaimed designer Gulla Jónsdóttir, reflect a midcentury modern vibe with South American-inspired accents. Rooms feature Sferra bed linens, floor-to-ceiling windows and private balconies or terraces. HYATT Jónsdóttir’s design infuses the property’s spaces with nature at every turn, especially in the hotel’s atrium, where verdant greenery abounds, contrasting the neutral tones of the other design elements. HYATT Right now, Thompson Miami Beach is staying hush-hush about the hotel’s dining scene, but guests should expect a lobby bar (rendering above), a signature indoor-outdoor restaurant

Editor’s note: This post has been updated with new information. Recent years have brought us all too many reminders about the importance of knowing your air travel rights as a passenger. From summer storms and weather delays to air traffic disruptions in Newark, it’s clear that knowing what you should ask for when your flight is delayed or canceled is critical when you’re preparing to fly. A big part of that is knowing when an airline owes you a refund. SEAN CUDAHY/THE POINTS GUY Your rights to a refund For domestic flights, as well as international flights departing or arriving in the U.S., you’re covered by the rules of the U.S. Department of Transportation. Under the DOT flight refund policy, you are entitled to your money back, no questions asked, if your flight is canceled and you ultimately choose not to travel. It doesn’t matter if the cancellation was the airline’s fault or due to something out of its control, like bad weather. The policy applies to any unflown portion of your ticket. For example? Let’s say you booked a weekend round trip from Ronald Reagan Washington National Airport (DCA) to Boston Logan International Airport (BOS) and your flight got