THey told me it takes awhile (up to six months), since they don't want you just taking your miles and then closing the account. Why they couldn't have some penalty in place (a fee based on the two cents a mile formula or something) and still give you the miles on time is a big mystery. I was originalyl counting on them for 20/20 and then had to go buy a fishing lure or a box of pecans or something instead.