Ngaire, Thanks so much for the clarification and for getting Tom his own card which just arrived.

A word to all.....note the exchange rate when redeeming points as the more points you redeem, the less bang for the buck! You can redeem 50,000 = $200; 100,000 = $400 but when you redeem 200,000 pts. it backs down to $600, not $800....and continually gets worse after that!

It really doesn't make sense to ever redeem more than 100,000 for one cruise. But At that rate, I'm not sure I can ever go through all our points so we may just have to bite the bullet and exhange more at the DECREASING UNFAVORABLE exchange rate. Oh well, guess it's a nice "decision" to have to make.