I am new but... $75 in exchange for 40,000 or a combined $150 for 125,000 pts seems fair to me. Not to mention you get a free night when redeeming 2 nights. So for $150 you can get full 3 nights ( Paris, St Maarten, Aruba ect...) and instant gold and that's "meh". Am I missing something? Not trying to be snarky, I really do appreciate anything I can learn about this new found hobby. Is the goal to drop the card after the first year? Maybe I am going about this all wrong. I have 5 cards that have a yearly fee but the price doesn't really bother me and I plan on keeping them. Is this a bad Idea?