The process will differ from one card provider to the next. You can request to exchange them for vouchers or discounts to use in-store, or you can request to use them against the next thing you buy. To do this, you will typically have to log on to your card provider’s website or app to ask for this. You may also be able to set your preferences in your card account online so you can spend your points as soon as you’ve earned them. Then, when you use your card as normal, the monetary equivalent of your points will be credited to your account – saving you money.