I just ordered my card with the minimum points($20) eventhough our trip is months away. I'll call the week before we leave and add all the rest of the points to this card. I did it this way so I'd have the card in hand nice and early and I won't have to worry about timing the last statement before I go with getting the card in time for my trip. Also, because I only put $20 on the card, I know that I'll have more than the required minimum to transfer for our trip.