There isn't a built in setting to require a certain amount of rewards to accumulate before they can be used. You can make this edit to add the feature:
modules/Cash_Rewards/cart.php
Find this code:
$available_rewards = Cash_rewards::available_rewards($cart, $userinfo);
After insert:
if ($available_rewards['raw'] < 25){
$available_rewards = array('converted' => 0, 'raw' => 0);
}
Change 25 to reflect the amount of points or rewards you want your customer to have accumulated before any rewards are available.
You may also want to add a note to the skin/common_files/modules/Cash_Rewards/customer.tpl with the requirement to have at least xx in rewards to apply them.
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