Am I reading correctly, that I can book travel directly (not through a portal) and Real-Time Mobile Rewards lets me pay at 1.5 cents/point, but I need enough points for the entire purchase (rather than part cash and part points)? In other words, if I want to pay $4,500 for airline tickets, I'd need 300,000 points, which means $100,0000 spending on travel and mobile payments?