Without PvP: Without the 12 PvP challenges an account tops out at 53 points, so the reward at 55 needs

Fact

Without the 12 PvP challenges an account tops out at 53 points, so the reward at 55 needs at least 2 PvP points.

Sources

• news.blizzard.com/en-us/article/24307383/get-to-know-the-world… — Blizzard News