That’s where I’m at with my grocery points too. I can use mine any time but I’m saving until Dec. I’ve been making an effort to buy gift cards for us when we have planned dinners out so I can earn a few extra points. The store had bonus points this weekend on select cards but nothing we use or that would be good gifts.Just hit $200 which will become available on December 1st. If I use it wisely my groceries for December are already paid for. I can put the money either in savings or towards gift cards.