I have just recently been given $5 reward for silver sneakers trips in November. I already cashed in all the other rewards. How can I get this $5 reward by December 31st when there is no way to cash in $5 on your gift cards? I am due another $5 from December, but that will not show up in time. Seems useless to have a reward that can't be cashed in since expiring and no gift card available for the amount of the reward.