Hi @RickyBobby! Thanks for reaching out- great question and the answer is ABSOLUTELY! If you're in a store just ask the cashier to apply your dividend and the same goes if you call in to our Customer Service number to place an order: 1-800-426-4840. If you're shopping online you can use the Annual Dividend Lookup Tool to check your balance. Once you checkout with your member number you will be able to apply any remaining dividend balance to your purchase. Hope this helps and Happy Holidays!