A $5,000 credit card payment costs $124.50 in fees but will result in 10,000 Starpoints. A category 4 property, such as the Westin New York at Times Square costs 10,000 points per night, however, room rates at this hotel are often in the $135.00 range, at least that it what I have paid during my last 2 visits. While there is a nominal savings, is this really a significant offer?