Still holding out for a more generous offer. I'm sweating a bit though because I will be applying for both cards at the same time. Also, I understand that the stay/night credit is applied in February... Does this mean that I will get it for 2011 so long as I apply and am approved for the card by say, Jan 31? Or is that leaving too little of a cushion? I want to make sure I get the stay credits for 2011.