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This may very well be a stupid question, but how are rewards redeemed? Are they only pay at Amazon Checkout, or can I redeem to a checking account like UR's? Thanks!
You can redeem directly on Amazon, or you can get direct deposit cash or a statement credit. The value is the same either way, so it's best (IMO) to take the cash and use it to pay the bill, since you then get rewards on the Amazon purchase. If you use points to pay, you won't earn rewards.
I just use mine when I make a purchase on Amazon IF I even use that card. It has a toy limit compared to my store card.