Works for me,but you do have to wait for rewards to go from pending to usable.Then you have to find a gift card,for a store you want to shop at.You don't have to use the rewards quickly and can wait for a gift card to show up,that you want.Don't complain.It's the best deal going.If you keep track of your purchases(take a screen shot of the purchase with the capital one % rewards amount showing,you can complain if you don't get the reward.I complained twice and they gave me the reward,after I sent screenshots.Please don't do anything to end this program,just because you can't figure out how to use.