It is a good card and program. I got double points for my Oasis booking, and my onboard charges since it was all on the RCI Visa card. Counting the shareholder credit I was able to get $600 in onboard credits for our Grandeur cruise last June. Since then I've accumulated enough points for $400 in credit. Just call them up, tell them what you want to redeem, they send the certificates, you fill them out and mail them (Kansas City I think). All done.