20,000 points convert to 25,000 miles in most programs that I use. As far as international flight awards are concerned, these can be worth close to 4 to 5 cents per SPG point. In my mind, you can't have too many points lying around for international premium travel. I have a 2% cash back on everything card (formerly by Schwab). I only use it at places that don't accept Amex. Otherwise, everything goes on SPG.