Not a stupid question, since it's not an easy answer. The "big print" is that the credit can be applied against any Rogers charges on your card. But the "fine print" allows you to request it as a cashback (or it might be a statement credit) each December. I've never actually tried the latter since I have a Fido bill that more than covers the credit each month, but I think others have posted that they have got it back in December.