I would cash in now. I think it usually takes about 4 weeks. I usually cash in as I go. As soon as I have enough to cash in, I do. I have cashed in for Chili's/On The Border/Macaroni Grill and Cracker Barrel that I'll use for the drive there and back (it's about an 18-hour drive for us and we break it up, doing about 14 hours the first day and then spending the night and getting up early for the last 4 hours to Disney). I also just cashed in for a Landry's (Rainforest, T-Rex, Yak & Yeti) for $25. I "redeemed" it probably a week or so ago and that will probably be the last one I actually receive before our June trip (leaving June 4). Although I should accumulate enough points for one more before then, I doubt I will accumulate enough in time to actually receive one before then. I did cash in for one $10 Walgreens GC with the hopes of "buying" a Disney GC with it, but I haven't tried it yet. Which reminds me that I need to try that SOON!