Pete, one thing to keep in mind is the points for the companion pass have to post before the end of the year. So, if you're getting the other SW Card (which one do you have now? Plus or Premier?) make sure you hit the spend ASAP so you get the points to your SW account before dec 31. Check your SW account to see your Companion Pass status and confirm you've earned those 70k+ for this year. Also, the MR and UR points transferred to SW don't count towards the companion pass. But, the Marriott points do.