I too am trying to simplify my cc situation too and am worried about my MP Visa miles. Isn't it somewhat of a drawback with the SPG card that you have to transfer in increments of 20,000 to get any bonus miles? If you need every last mile in the account transferred in order to get a tkt, do you make one transfer of 20,000 then another transaction for the remaining miles in the account if they are less than 20,000 and not get any bonus?