What if nobody that I referred spends any money with their THAT Card?

The FriendSpend Rewards that you are eligible to earn is based on the Qualified Purchases of your Spending Squad. If absolutely nobody in your Spending Squad completes Qualified Purchases with their THAT Card during a given month, you will not accumulate FriendSpend Rewards for that month. However, if the cardholders you referred begin spending in the future, then you will become eligible for the FriendSpend Rewards based on their Qualified Purchases.