I always run the math when getting involved in any program. This credit card gives 1 point to one mile, but once reaching 20,000 points you get 25,000 frequent flyer miles. Why would carry an airline card if it takes 25,000 when you get 25,000 miles for only charging 20,000. Another way to do the math, is if your enrolled in AMEX Membership points they only give you .33 for every point. ( I have both cards I am drastically avoived using it when the Sheraton card gives one to one versus 1 to .33. Basically that means they value Starwood points as worth 3 times the value is this correct? YES 25,000 frequent flyer miles is worth a free ticket or maybe $350. Charge 25,000 dollars on the Sheraton card and you will have 6 nights in Cancun value worth over $1200. Give it some thought.