If your card starts with 5332 48, we are sorry to inform you that the sweepstakes rewards of PayPerks for Direct Express® has ended as of February 1, 2020 and there is no more scratcher claiming. You can still take advantage of the hundreds of PayPerks for Direct Express® education tutorials here.
If your card starts with 5115 63, we send Scratchers out periodically to help new users learn about PayPerks. You definitely don't need a Scratcher to use PayPerks, and you can always enter one later on if you receive one in the mail.
You'll earn a lot more chances to win by completing content than you would from a Scratcher, so don't be discouraged if you didn't receive one. We'll do more fun promotions like that in the future, so stay tuned!