I use a Disney VISA card for my home business and have racked up a lot of points over over the past 6-7 years but didn't know they dropped off until about a year ago. So, I quickly figured out that I needed to every so often transfer them to a Disney Reward Card. I have now transferred ALL of my points to a Reward Card and hope to be able to use them on our DCL cruise this year. Have you used them and what all can you use them for on/off the ship?