How much you build depends on how much you put into it. For instance, I built a little more because AT&T used to be involved, and that got me a few extra bucks (but they left the program). If you get a Upromise credit card, I'm sure it builds much quicker, but I use my Disney card instead! We made an auto purchase through GM, and that got us $250. So far, we have made over $400 in about two years.