For newbies let the buyer beware. Points are becoming nothing but a legalized bait-n-switch money making snake oil scheme for all states. They are more than eager to peddle them, but when it comes to honoring them it's a totally different story. The most recent case in point Arizona, which is totally screwing point holders whom they sold points to the last 20 years. Stealing thousands of dollars in value. My suggestion is to not let your points build past 3 or 4 ANYWHERE for ANYTHING, as a safeguard against the white collar criminals residing in statehouses.