yeah. I NEVER carry a balance on any credit card. And thats what I would prob use it for also....on board credits of some sort, cause it would take me 10 years+ to acquire enuff points to take a free cruise!!! Another question that i didnt see an answer to, is whether the points expire after a certain amount of time. We don't get to cruise as often as a lot of u on here do, so if they expire, it would be useless for me. (I knew I could count on u Penny for an answer

)