When you are ready to use them, you have to call and request a rewards card. They will place your rewards on the card when the send it to you. I think you have to have a minimum of $25 to initially have them send you the card. After the first time you get the card, you can just call and have your additional rewards immediately transferred to your rewards card. Just be sure to watch out for the expiration date on the rewards card. They DO expire, and if you don't use the money on them before expiration...too bad,so sad.