RX, I had this card for a few years. Anything you use the card for will earn you points. At the time you could only accum 500 points per year and it was good for 2 years then the points would start going away. You have to spend alot to get those points. My husband is an owner/operater and he used his card and then I had a card with him on it and he would use this for all his expenses. One year we had a total of $1600 off on 2 cabins and then later that year we had $800 off which we took on the Fantasy and it cost us only $199! We really loved racking up these points and the cheap cruises we were able to get. Unfortunately we hit upon hard times and lost our cards and business but we are back at it and hope to be able to qualify for another Carnival card real soon. If you have any other specific questions that maybe I could answer let me know otherwise you should call the number and hold til you get a "live person".