Refundable ticket.
+1. I never understood why people considered A+ points as getting something with points instead of cash. You're essentially paying cash, given the ease of cashing them out. The source of the cash happened to have been the points. It's like saying that airline fees are free with amex platinum. PGGM adds a $200 bonus to the card. Now you're using the cash that you got from the bonus towards your fees. At the end of the day, you're paying cash.