I must have just hit the spend, logged on and saw 92k; I have had the card for around 5 months. After reading this thread I assume I should just go ahead and get a second card and do it again; I don't see the logic in keeping this card until the anniversary date - $95 for 15k doesn't seem much of a deal. I have been checking the UC inventory for 2 seats ORD-LHR and it does seem decent so if I pick up another 90k use 160k to fly R/T to London then convert the balance to Honors. It seems the taxes/fees will run around $2000, not bad for what I assume would cost at least $8000 if purchased? Am I missing something?