Did you reloan using a new fund, or did you fund from the existing Kiva funds? New fund may help you earn more points. The later would not.

I also see that MicroPlace also allows you to fund via PayPal, you can choose credit card as your funding source (assuming your PayPal balance is 0.00) and you will not be charged a fee. If you want to get your money out, choose loans that are 1 year.