For every 25,000 points you earn you can take $250 off a cruise. So, you can have $250, $500, $750 ..... of your cruise. With left over points, you can use them in 10,000 incriments and get $100 off of on ship purchases or services. I just called them and they explained. However, if you are using the card for a specific reward, you are better off getting a card from that reward company. I think I will change to an Carnial or NCL Visa because their reward for their benefit is better and their points last 5 years instead of 2. We have a business so we are able to run up high monthly bills and pay them every month. A great way to take advantage of our rewards.