This is a good point, do you refer to this line in the Terms and Conditions? "Qualifying Dollars include the cost of the hotel room or vacation rental property, before taxes and fees, charged at the time of booking." I read the "charged at the time of booking" more as the opposite of costs incurred during the stay, like room service or fees, which do not qualify.

If only prepaid bookings qualify, I would need to cancel and rebook.