Thanks for the clarification on expiration of SPG points. I'm considering my own card (husband has one and I could get a card on his acct. but where are the bonus points in that?) and appreciate the info.

Also, I know that those of us who are fairly new here often ask questions that have been asked before. I am learning to use the search feature more effectively and appreciate not getting flamed for falling short sometimes. There is so much useful info here and so many knowledgeable people that it's a very valuable resource.