You are welcome. This is a very good card with the best reward rate. I used CIBC divident Visa card ( 1% cash back). Now I switch to this Starwood card. I can have at lease 7 free night stays with my reward points annually. The new online account is very handy. The free night stay can be very easily redeemed at www.spg.com. Additionaly this card is a plantinum card including the MasterRental insurance which means you do not need to pay the auto insurance fee when you rent a car. So with all these free hotel stays and free auto insurance, you do not need to shop around for hotels any mroe.