The current offer for 25K doesn't even require that you pay the annual card fee of $75! Just get the card approved, activate it, wait for the 25K to show up in your account, and then cancel the card before paying the $75. I know, sounds unbelievable, but the CSR confirmed today that once the miles are in they can't take them out if you cancel the card. Makes, sense, as you may have already burned the miles.