Every account reloads automatically — no button to press, nothing to claim. At the base (Bronze) rate, you get +100 credits every 60 minutes, up to a cap of 400. Once your balance is at the cap, the reload pauses until you spend some credits and drop back below it.
Why is there a cap?
The cap keeps the free reload doing what it's meant to do — topping you back up between rounds — rather than piling up credits you're not using. Spend some on cards and the hourly reload starts filling the balance again.
Does the reload get better?
Yes. Climbing the VIP ladder makes both the reload amount and the cap bigger, and the wait between reloads shorter — up to +500 credits every 20 minutes with a 2,000 cap at Diamond.
What else adds credits?
Daily streaks pay 15–150 credits a day, growing the longer you keep your streak alive, and daily/weekly missions pay 40–300 credits each. Between the hourly reload, streaks, and missions, credits keep coming whether or not you spend anything.