SPG is a great card you get one spg point for each dollar and many more for spg related purchases (hotel purchases) . I can give you a referral if you comment on this post . 25k spg miles is worth about $625 i would say so pretty good for doing nothing. It is also an amex card so comes with the protection program for purchases . Each SPG point is worth about 2.5 cents in value due to the unique abillty to transfer points into other airlines with a 25% percent bonus. The most major value of spg points in my value is level 2 and level 3 resorts in europe (stay in the resort basically for a 75% discount). In order to get these points all you have to do is spend $5000 over 6 months( on what ever you would spend on anyway) which is completly possible.