Thanks so much snowbrdgrl! Yes, very helpful. I do have enough for a gift card, and was just worried I'd lose out if I forget. Glad to know I won't! [emoji4]If you have enough points to redeem for a gc, they will issue a gc at the end of the year. Otherwise your points level will go back to zero on Jan 1st and you need to start accumulating them all again! They refresh every year. This is the for Saksfirst card. Hope this helps!