Thanks for asking this question and for the info.. I just checked mine and now I could kick myself! I just got it last month and put my trip on it and then some bills. Though I knew that I had to have at least 20 points to get the card, I didn't know that it had to be in the same billing cycle. I only have 17 points, though I am over $2000, because some of the charges happened after the end of last months billing cycle. Now I have to wait until the 26th of this month and pray I get it before we leave May 13th. Do they normally arrive that quickly? Also, do you have to have 20 points everytime you transfer some to the card, or just the first time?