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Hi @mrotmd - Thanks for reaching out and for becoming a member of the co-op!
The reward points you are talking about are what we call a member dividend, which is the way the we share our profits with our members. These are earned as 10% back on eligible REI purchases or through purchases made with an REI Mastercard. The majority of full-price purchases qualify, though you can see the more detailed terms on our REI Membership FAQ.
Dividend notices are shared every March, so you will see your 2021 amount reflected in your account in March of 2022. After this, you will be able to spend your dividend.
Let us know if you have any additional questions and we'll be happy to help. Thanks again for joining REI as a co-op member!
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