I have had the card for 3 years now and have accumulated a lot of pionts almost enough for the 7 day cruise. The way I do it is, I use the card and pay it off every month. I try not to carry a month to month balance. You get 1 point for every dollar. The way I got so many points is that everytime I book a cruise on RCI I use the card. When I'm on board I desiginate the RCI card as the one to be charged. Everything that you do with the RCI card that has to do with RCI you get double points. To get the double points I always use the RCI card when I cruise. I do think it is worth it.