I redeemed my points recently for a $25 prepaid Mastercard, which I used to pay part of my current utility bill. That was very helpful to me, and I had no trouble redeeming my points or receiving my card and using it in less than a week. MyPoints is kind of a wonky, spottily maintained website, but it is honest, and over the decades has given me hundreds of dollars worth of gift cards and prepaid debit cards. I have recommended it to others.