we have redeemed many of our reward dollars already. Basically, you can go to the bank one/disney website, pull up your account information; choose "manage rewards" and go from there. Some things to remember:
1. You get $1 for every $100 you charge
2. You can only redeem the rewards in increments of 10 reward dollars -- so, you need to have spent $1000 or more, to accrue 10 reward dollars.
3. you have to choose the correct reward certificates --
disney store,
disneyland, disneyword
4. you place an order -- for example if you have 20 reward dollars in your account, you can get 2 $10 certificates.
5. as long as you don't ask for express shipping, they mail them to you for free
6. we have gotten ours every time on about the 5th or 6th mail day after placing the order on line.
7. You are able to cash out your rewards as soon as a credit card statement issues where you have spent the money and earned the rewards. Our statement gets run on the 12th of the month, so on that day I go to the website and order the certificates, which have been known to arrive before the actual bill!
8. You won't get change back when you spend the certificates, so I would suggest getting $10 certificates instead of $20 certificates so you can spend them in smaller increments.
9. we used them in merchandise stores and in restaurants without any problems at all -- all CMs seemed familiar with them and there was no problem using them.
Our reward dollars (190 for having run $19,000 through the credit card) paid for all our meals out during our romantic, no-kids trip last month. Very cool. We didn't want to use them on this trip because we were afraid my parents or in-laws would think we were getting free meals!