I came looking for this question, how lucky am I that it has been recently asked here and also a link provided to a few years ago discussions! Seems most say to take the $100... as 5k points can be worth more or less depending on how you use them. I know NOTHING about these FIND experiences but as everyone seems to ignore them, I'll assume there's a reason. So my only question would be this, does one earn points on their stay when using the $100 gift card? Let's assume a 1 night stay, the room was exactly 10. If yes, there's one more reason to opt that route, I'd say.