but having points already banked is very different than considering involvement in the program. My advice is to liquidate the points as best as possible and get her a good card.

My first rewards card was like this. It was 6700 points for a $50 GC or 13,200 for $100 GC with 1 point per $1. I was ecstatic to get it since I had a card with no points earning. I still have the card since it has a very low interest rate and it is almost 18 years old, but it rarely gets used.