@leojiewu wrote: I don't know where and how to get the piont/cash back.
Looks like your post was moved to this existing thread. Please read earlier posts. You should download the "pay with rewards" app to one of your devices and redeem points once you start the app. I'm not actually sure if the points "roll over" after more than a year, but you should be able to check that once you open the app and see what you have. If it's a large amount, you may need to redeem several times against several qualifying purchases. It's very easy and I don't know why you wouldn't take advantage of this each month or at least several times a year.
The redemption is immediate and I have my notifications set up to shoot me an e-mail whenever I redeem. That e-mail comes right away.
The credit may take a few days to show on your statement. I usually redeem my points about 4 days before my statement date. That way the credit is applied to that statement instead of the next one a month later.
