I save them for our trip, and use them for souvies or meals. You have to request a rewards card...I think you have to have $10 on it... (and I think you have to transfer a min of 10 , so I usually request a card in January, leave 7-8 dollars for any points I acrue, and then right before I leave I transfer the balance. The reward card you use like a credit card at the parks. I have not yet done it this year since they are no longer Bank one, but I imagine it's about the same. I will be doing it this January.