Even though I had my very icky incident w/ NM, I am still lovin' the rewards program. Starting tomorrow (4-13 thru 4-15) NM is having double rewards for using your NM card. I just ordered my black city (SA is billing tomorrow) from Palm Beach (HIs name is J.J.) and I am getting an extra 1,000 points for pre ordering! I love the incircle program. If you pay it off right away, you get the best deal.