We’ve had the NCL MC for a year and a half. We use the card for everything and pay it off every month.
We used points to upgrade from an inside to a balcony for our 20-day Panama Canal in October 2023, 11-day Europe and 12-day Greek Isles (B2B) in 2025. Using points saved us approximately $5,000, $3,500 and $3,500 respectively.
if you’re happy with a balcony cabin, cabin upgrades are the best use of points.