CTTM has excellent customer service and a reputation for quickly paying for redemptions.
The drawback is that in order to cashout for the first time, you need to reach 3000 pts, regardless of what you want to redeem for. As an example, if you want $10 in Disney Dollars, the redemption is 2100 points. You still need to have 3,000 points in your account to cashout for those first $10. You will have 900 points that remain in your account afterwards that you can apply towards your next reward. After the first redemption, you will not need to go back up to 3000 points in order to redeem.
There are not a lot of point earning opportunities if you do not shop or do sign ups. Right now, there are 5 daily points under the daily section and another point under the search section (which can also be done daily). You can send a NiceCard Greeting for one daily point as long as you remember to forward the confirmation email with the required information. There are 4 weekly points as of this morning. So, as you can see, it can be very slow going!