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I too have the Carnival Mastercard, have been using it for years now. It does take a long time and a lot of money spent to earn one point on the dollar. I think I have a good idea of what they should do.. and that is if they pay one point on the dollar, they should pay 3 points on the dollar when you charge anything for Carnival Cruises. Can you imagine the points you can earn when you get the sign and sail bill? Actually I have another credit card for a hotel, and they pay 3 points on the dollar when used on hotel bills. It is a nice incentive.