It can seem complicated at first. Most of us don't do our shopping unless there is a promo....which happens almost every weekend for at least one day on the weekend. Sometimes I will get a personal offer of 20X the points on certain days as well. With two jobs, I sometimes just don't have the time or energy to run to shopper's after a busy day of running around a store all day and helping customers with the furniture they bought - that's the second job. So I often take advantage of the personal offer for 20x the points during the week.
This week I have a personal offer of 15X the points on 30.00 or more. That's a good one too. I have used this too.
I keep a running list of items I need. I watch for when the go on sale and then purchase those when they are on sale on a bonus weekend. When they are on sale at Shopper's vs stupidstore, No Frills or walfart...I will pick getting it at Shopper's as the points are worth more to me than saving the .50 or 1.00
It does get easier the more you use the program

And we rarely have to chase down points...vs AM...and they show on your receipt and on your app right after your purchase.