On a recent NCL cruise they were encouraging passengers to take out a credit card that would reward you with points toward a future cruise. While this sounded great it turned out to be a big disappointment. By the time you pay the annual fee we figured out we would not charge enough that it would not result in very much money toward a cruise. Customer Service The cruise line was not well trained in the legal parts of this card. They were just pushing being able to get points toward cruises. When we got home and I spoke to the card service people I was informed that the card had a limit of points that one could earn in a year toward a cruise. Using their numbers , it would be almost impossible for us to get enough points that it would have been worthwhile. They were very nice and cancelled the card for us. Available Rates We have found that the Interest rates on these travel cards are higher than with other credit cards so it was not a surprise when we found that this cards was no different. You pay dearly for those points if you are paying the annual fee and interest as well.