Sorry I posted this in the Hyatt thread but it got buried and I need an answer. I just want to make sure I'm not missing something. I have SPG Amex Business and am planning on using it for my Hyatt stay in Aruba starting tomorrow. My thought is the 5% Open rebate makes up for the 2.7% foreign transaction fee, and I still get the SPG points. Am I correct thinking I still come out 2.3% ahead on the final bill? My other option is Ink Plus, no fee and 2x at hotels. But I would prefer the SPG points and net 2.3% discount.