Hmm yes, but spend in a year based stuff is what I am thinking about. As it is i make magnus milestone easily. So I was thinking about a 3rd card which probably gives better rp/value back/etc in a year i.e. on spends after reaching magnus milestone. I can take and close the privilege on my wife's name prolly.Privilege gets you 12.5k ER for 1.5k+gst