[dab]

DH is the primary and I an authorized user. I ordered our card online and transfer only online... like others said you have to be the primary to do it on the phone. It took about a week to receive the card. Your points accumulate monthly. Once your billing period ends you should be able to view your points online even before you get the paper statement in the mail. So, the reward points are not available on a daily basis. You may then transfer reward points online and have them available immediately. I'd just order the card with the minimum and then transfer the rest when you receive your card. At the resort, we were able to give the front desk our rewards card and they applied the points to our purchases. Very nice!