You build them up when they have a special where they are paying you more than the price, and you try not to spend them unless you are going to get as many or more back. Like yesterday the Jessie clearance nail polish was costing .74 or $1.58 for 2 and for every $1.58 for 2 I bought they gave me $2 back in ups, so yesterday was a building up day for ups. There was an airwick deal a few weeks backs that did they same. If you watch the monthly specials, seems like they overlap into money makers sometimes. Also when you can use one of their coupons with a mq you can reduce your oop. Like now if you can find clearance crest, 75% off it rings up $1.09 and you can use their in ad coupon and they will subtract $1.50. You could probably even use a mq stacked with it, and get even more off your oop. Not sure on that one.