diff --git a/Cargo.lock b/Cargo.lock
index c27de12999..bee8850b4c 100644
--- a/Cargo.lock
+++ b/Cargo.lock
@@ -2218,10 +2218,7 @@ version = "0.12.0"
 dependencies = [
  "bincode 1.1.1 (registry+https://github.com/rust-lang/crates.io-index)",
  "log 0.4.6 (registry+https://github.com/rust-lang/crates.io-index)",
- "serde 1.0.87 (registry+https://github.com/rust-lang/crates.io-index)",
- "serde_derive 1.0.87 (registry+https://github.com/rust-lang/crates.io-index)",
  "solana-logger 0.12.0",
- "solana-metrics 0.12.0",
  "solana-rewards-api 0.12.0",
  "solana-runtime 0.12.0",
  "solana-sdk 0.12.0",
diff --git a/programs/native/rewards/Cargo.toml b/programs/native/rewards/Cargo.toml
index 4dce4bccaf..3e112019ff 100644
--- a/programs/native/rewards/Cargo.toml
+++ b/programs/native/rewards/Cargo.toml
@@ -11,10 +11,7 @@ edition = "2018"
 [dependencies]
 bincode = "1.0.0"
 log = "0.4.2"
-serde = "1.0.87"
-serde_derive = "1.0.87"
 solana-logger = { path = "../../../logger", version = "0.12.0" }
-solana-metrics = { path = "../../../metrics", version = "0.12.0" }
 solana-sdk = { path = "../../../sdk", version = "0.12.0" }
 solana-rewards-api = { path = "../rewards_api", version = "0.12.0" }
 
diff --git a/programs/native/rewards/src/lib.rs b/programs/native/rewards/src/lib.rs
index 23f7c38bcb..4611ac4ca4 100644
--- a/programs/native/rewards/src/lib.rs
+++ b/programs/native/rewards/src/lib.rs
@@ -120,7 +120,7 @@ mod tests {
     }
 
     #[test]
-    fn test_redeem_vote_credits() {
+    fn test_redeem_vote_credits_via_program() {
         let from_id = Keypair::new().pubkey();
         let mut from_account = Account::new(100, 0, Pubkey::default());
 
diff --git a/programs/native/rewards/tests/rewards.rs b/programs/native/rewards/tests/rewards.rs
new file mode 100644
index 0000000000..9836f348af
--- /dev/null
+++ b/programs/native/rewards/tests/rewards.rs
@@ -0,0 +1,148 @@
+use solana_rewards_api::rewards_program;
+use solana_rewards_api::rewards_transaction::RewardsTransaction;
+use solana_runtime::{execute_transaction, RuntimeError};
+use solana_sdk::account::Account;
+use solana_sdk::hash::Hash;
+use solana_sdk::native_loader::create_program_account;
+use solana_sdk::pubkey::Pubkey;
+use solana_sdk::signature::{Keypair, KeypairUtil};
+use solana_sdk::system_program;
+use solana_sdk::vote_program::{self, VoteState};
+use solana_sdk::vote_transaction::VoteTransaction;
+
+fn create_rewards_account(
+    from_keypair: &Keypair,
+    from_account: &mut Account,
+    rewards_id: Pubkey,
+    lamports: u64,
+) -> Result<Account, RuntimeError> {
+    let system_program_account = create_program_account("solana_system_program");
+    let loaders = &mut [vec![(system_program::id(), system_program_account)]];
+    let last_id = Hash::default();
+    let tx = RewardsTransaction::new_account(from_keypair, rewards_id, last_id, lamports, 0);
+    let accounts = &mut [from_account.clone(), Account::new(0, 0, Pubkey::default())];
+    execute_transaction(&tx, loaders, accounts, 0)?;
+
+    // Simulate committing account after successful transaction
+    from_account.tokens = accounts[0].tokens;
+
+    Ok(accounts[1].clone())
+}
+
+fn create_vote_account(
+    from_keypair: &Keypair,
+    from_account: &mut Account,
+    vote_id: Pubkey,
+    lamports: u64,
+) -> Result<Account, RuntimeError> {
+    let system_program_account = create_program_account("solana_system_program");
+    let vote_program_account = create_program_account("solana_vote_program");
+    let loaders = &mut [
+        vec![(system_program::id(), system_program_account)],
+        vec![(vote_program::id(), vote_program_account)],
+    ];
+    let last_id = Hash::default();
+    let tx = VoteTransaction::new_account(from_keypair, vote_id, last_id, lamports, 0);
+    let accounts = &mut [from_account.clone(), Account::new(0, 0, Pubkey::default())];
+    execute_transaction(&tx, loaders, accounts, 0)?;
+
+    // Simulate committing account after successful transaction
+    from_account.tokens = accounts[1].tokens;
+
+    Ok(accounts[1].clone())
+}
+
+fn submit_vote(
+    vote_keypair: &Keypair,
+    vote_account: &mut Account,
+    tick_height: u64,
+) -> Result<VoteState, RuntimeError> {
+    let vote_program_account = create_program_account("solana_vote_program");
+    let loaders = &mut [vec![(vote_program::id(), vote_program_account)]];
+    let last_id = Hash::default();
+    let tx = VoteTransaction::new_vote(vote_keypair, tick_height, last_id, 0);
+    let accounts = &mut [vote_account.clone()];
+    execute_transaction(&tx, loaders, accounts, 0)?;
+
+    // Simulate committing account after successful transaction
+    vote_account
+        .userdata
+        .clone_from_slice(&accounts[0].userdata);
+
+    Ok(VoteState::deserialize(&vote_account.userdata).unwrap())
+}
+
+fn redeem_credits(
+    rewards_id: Pubkey,
+    rewards_account: &mut Account,
+    vote_keypair: &Keypair,
+    vote_account: &mut Account,
+    to_id: Pubkey,
+    to_account: &mut Account,
+) -> Result<VoteState, RuntimeError> {
+    let last_id = Hash::default();
+    let rewards_program_account = create_program_account("solana_rewards_program");
+    let loaders = &mut [vec![(rewards_program::id(), rewards_program_account)]];
+
+    let accounts = &mut [
+        vote_account.clone(),
+        rewards_account.clone(),
+        to_account.clone(),
+    ];
+    let tx = RewardsTransaction::new_redeem_credits(&vote_keypair, rewards_id, to_id, last_id, 0);
+    execute_transaction(&tx, loaders, accounts, 0)?;
+
+    // Simulate committing account after successful transaction
+    vote_account
+        .userdata
+        .clone_from_slice(&accounts[0].userdata);
+    rewards_account.tokens = accounts[1].tokens;
+    to_account.tokens = accounts[2].tokens;
+
+    Ok(VoteState::deserialize(&vote_account.userdata).unwrap())
+}
+
+#[test]
+fn test_redeem_vote_credits_via_runtime() {
+    // Create a rewards account to hold all rewards pool tokens.
+    let from_keypair = Keypair::new();
+    let mut from_account = Account::new(10_000, 0, Pubkey::default());
+    let rewards_keypair = Keypair::new();
+    let rewards_id = rewards_keypair.pubkey();
+    let mut rewards_account =
+        create_rewards_account(&from_keypair, &mut from_account, rewards_id, 100).unwrap();
+
+    // A staker create a vote account account and delegates a validator to vote on its behalf.
+    let vote_keypair = Keypair::new();
+    let vote_id = vote_keypair.pubkey();
+    let mut vote_account =
+        create_vote_account(&from_keypair, &mut from_account, vote_id, 100).unwrap();
+
+    // The validator submits votes to accumulate credits.
+    for _ in 0..vote_program::MAX_VOTE_HISTORY {
+        let vote_state = submit_vote(&vote_keypair, &mut vote_account, 1).unwrap();
+        assert_eq!(vote_state.credits(), 0);
+    }
+    let vote_state = submit_vote(&vote_keypair, &mut vote_account, 1).unwrap();
+    assert_eq!(vote_state.credits(), 1);
+
+    // TODO: Add VoteInstruction::RegisterStakerId so that we don't need to point the "to"
+    // account to the "from" account.
+    let to_id = from_keypair.pubkey();
+    let mut to_account = from_account;
+    let to_tokens = to_account.tokens;
+
+    // Periodically, the staker sumbits its vote account to the rewards pool
+    // to exchange its credits for lamports.
+    let vote_state = redeem_credits(
+        rewards_id,
+        &mut rewards_account,
+        &vote_keypair,
+        &mut vote_account,
+        to_id,
+        &mut to_account,
+    )
+    .unwrap();
+    assert!(to_account.tokens > to_tokens);
+    assert_eq!(vote_state.credits(), 0);
+}