It would take
approximately $ 17,000 + in annual spending
to make up for this $ 116 deficit in value (assuming a $ 100 hotel stay, plus the $ 16 difference in annual fees), year -
to - year - that is the point at which the 2.4 % rewards rate of the SPG beats out the 1.5 % rate users
get from gas station,
restaurant, and grocery spending.