I have one also, it was originally a different program with a different bank. When they changed it to Juniper and renamed Seamiles they said they would transfer the points to the new one..and they did..BUT..Before you could get free cruises 3/4, 5, and 7 days depending on level of points.. now all I am seeing is discounts for the same level of points. And though I have not tried to use my points I read somewhere it was not combinable with certain promotions. They did transfer my old points and gave me 5000 for first purchase and double on Bookings and Onboard charges..But I can easily beat their discounts by using past guest and especially resident rates so far. I agree with the previous Poster they definatly changed the program, and I almost had enough for a free 3 day cruise! I keep using it for Carnival since I have it and maybe can use the points someday. On a positive note the APR is much less than the previous program and competitive with AMEX and paying your bill online is a snap.