I was discussing about not losing my points that will start expiring in August. I just went into my rewards account and it gave me the option of getting a credit on my Mastercard or a check or buying a variety of gift cards. I have 80,000 points and since I'm not ready to book an NCL cruise this year because we're going on the Oasis out of NJ this Oct, I was able to cash in $20,000, for $200. and still have 60,000 for when I find an NCL cruise for next year, hopefully. It took the pressure of having to find a cruise now. The $200. I will put on our Oct cruise with RCL, which was very cheap, $1400/2 in a balcony and we don't have to fly!