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, you will be able to claim your scratcher inside PayPerks for Direct Express® which you will access from directly inside your Direct Express® account. Follow the instructions here.
Every Scratcher has a Scratcher Code that can only be entered once. So, if you’ve already entered that code (or if you got the Scratcher from a friend or family member and they’ve already used it) you won’t be able to claim it again.