Thanks for all the advice on this. I do also have a Hilton Mastercard and accumulate points just as quickly with that. Have stayed in Hiltons and Conrads in some very nice places and nearly always get upgraded + the stays are free because I use points. The reason I have so much spend is work-related. It's my own internet based business and I use the cards for buying "traffic". Spending hundreds of thousands per month really helps rack up the points! Great perk of the job at the moment. I do wonder if it's limitless. i.e. if I can grow my business to the point where I need to spend £1million a month will I just keep getting the points? Wonder if there is ever a point where someone says "hang on a minute..what's going on"....