Ok....applied for no fee card and was approved online. Says card to arrive in 7-10 days. Will make rezzie on jan 23. Hopefully card will arrive by then..... Think I will need card in hand when making rezzie?Rebate occurs when the points redemption is made. You need the card when you make the reservation to get the rebate.Thinking about getting no fee card, mostly for bonus and rebate on used points. Anyone know if you have to have the card when reserving train to get the 5% rebate, or just when traveling. Do not have card now, had Chase card, will make rezzie in a week, but not travel until August. Will have card by then.....