so, i see a lot of talk about the IHG card recently due to the thought CaptialOne will not issuing this card soon. I am just wondering if the card that every one is apply be the 15K no annual fee version or the 60K $120K annual fee version? I can never justify $120 for only 60K IHG as I don't value IHG only based on 5K PB stay. your thought on this?