i have it and use it for everything where i work and have used it to cruise free in sept, balcony on the triumph. 145000 points apprx. took almost 7 months to pile up, lot of purchases at $1 per point. i pay by card , get reimbursed within two days and head right to the bank to deposit. i pay off the card 100% twice a month and never paid interest. i have checked on the discounts and found close to the same pricing on line. i have also used the card to get $ back on airline tickets ($25 i think). have cruised free 4 times in 3 years.