You just get a paper check every 3 months. It has nothing to do with your CC. My last check was only for $16 and change. My highest check was for over $100 (purchased oled tv). Total received on my account just exceeded $1000 over probably 10 years. It’s basically just free money you get for buying what you we’re going to buy anyway. They have just had a name change to Rakuten. Once installed as an extension on your computer, it just pops up when you go to one of their sites and asks if you want their % discount. You hit “yes” and it acknowledges that you will be receiving e.g., 3% on your purchase regardless of the amount you end up buying.