I'm aware that this is not the best card out there and there is a big differance between the American version vs the Canadian. My sole purpose for this card was to put my hotel stays on it and nothing else. Thinking it was 15 points per dollar and with the megabonus promo I thought it would be worth it for the first year. I also have the SPG MC but it seems like that's coming to an end Feb.2010. What card would you suggest? I don't mind paying an annual fee as long as it's justified.