Nadine, there is a redemption web page, which I don't seem to be able to copy and paste here, that uses the same screenname and password as the BOA web page for the card. You mearly need the Ship name and sail date, and there is a small box at the bottom to add comments, in which I always put my reservation number for the next cruise. Then, just follow the instructions and steps to obtain the credit. There's not to much that can compare to getting on the ship knowing you're already $500 or $250 ahead of the game. BTW, a $500 on board credit needs 50,000 points, and your total amount of available points are listed on the top-right of the page after you log on.