Just a heads-up: at least for hotels and rental cars, MBNA is now just crediting the card with $$ rather than remitting funds to the hotel or rental car agency.

We booked a week's rental car for March, 2002 and just noticed a $300 credit (9,000 points) to our NEA/MBNA Mastercard account. Same for an enroute hotel -- $110 credit (3,000 points).

This makes more sense than the previous method of sending vouchers.

Don't know if they're doing this for flights though.