I am having trouble understanding this. Its seems that you don't really want to cruise Carnival . . . .but you have the Carnival Mastercard and you collect funpoints on the Mastercard from purchases and you have to use those funpoints to book Carnival cruises. I think, though, that the Carnival Mastercard only gives you funpoints worth about 1% back on nonCarnival purchases, which you can then only redeem toward Carnival cruise fare. Have you thought about getting a no annual fee 2% cash back card (like the Citi Doublecash Card)? More money back . . . and you wouldn't be forced to use it to cruise Carnival!! Or if you wanted to cruise Carnival, you could just pay the fare with 2% cash and still have money in your pocket left over. What am I missing here? Perhaps I am missing something, because 300,000 funpoints for $4,500 in cruise fare looks like the equivalent of about 1.5% cash back when used for the cruise . . . but that is still not as good as a card that earns a clear 2% cash that you can use anywhere.