I'm new to this stuff. I have a Marriott Visa with Chase. Got my certificate and says I can book a category 1-5 hotel. Looking at a category 5 room that is 40K points. Certificate says it's 25K. So can I use the certificate + 15K points? Not an option online so I'm assuming NO. If they are going to give a certificate for Cat 1-5...shouldn't that be all Cat1-5 hotels?