Hi Kelly,
You aren't dumb! If you're new to rewardtv you probably haven't been there long enough to see the awards for cash ins. I don't think they've been offered for a couple weeks now. You will receive an email on Sunday or Monday of the week they offer awards telling you what will be available on certain days and for how many points. It is usually stuff like 75,000 pts for a $5 gc to McDonald's or Pizza Hut or 150,000pts for a $10 gc to Foot Locker, JCPenney, Toys R Us. The thing is that only certain numbers of each are available and they go really fast. I've gotten a few, but if it says 6pm on Tues, then you need to already be signed in and waiting before 6pm. So get the points for now and then decide what you want so that when they begin awarding again you will be ready and waiting.
Carla