{"id":359530,"date":"2022-12-01T12:49:02","date_gmt":"2022-12-01T19:49:02","guid":{"rendered":"https:\/\/www.creditrepair.com\/blog\/?p=359530"},"modified":"2022-12-01T12:49:04","modified_gmt":"2022-12-01T19:49:04","slug":"how-does-card-cash-back-work","status":"publish","type":"post","link":"https:\/\/www.creditrepair.com\/blog\/credit-card\/how-does-card-cash-back-work\/","title":{"rendered":"How do cash back credit cards work?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"500\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/03\/man-on-laptop-with-credit-card-getting-cash-back-narrow.jpg\" alt=\"How do cash back credit cards work?\" class=\"wp-image-359531\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/03\/man-on-laptop-with-credit-card-getting-cash-back-narrow.jpg 1500w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/03\/man-on-laptop-with-credit-card-getting-cash-back-narrow-300x100.jpg 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/03\/man-on-laptop-with-credit-card-getting-cash-back-narrow-600x200.jpg 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/03\/man-on-laptop-with-credit-card-getting-cash-back-narrow-768x256.jpg 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/03\/man-on-laptop-with-credit-card-getting-cash-back-narrow-450x150.jpg 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/03\/man-on-laptop-with-credit-card-getting-cash-back-narrow-900x300.jpg 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/03\/man-on-laptop-with-credit-card-getting-cash-back-narrow-1400x467.jpg 1400w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.creditrepair.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\">Disclosure regarding our editorial content standards<\/a>.<\/p>\n\n\n\n<div class=\"quick-answer quick-answer--hr\">\n    <p>With cash back credit cards, you\u2019ll earn money in return with each swipe, tap, or chip insert purchase.  <\/p>\n<\/div>\n\n\n\n<p>Credit cards don\u2019t have to be scary. In fact, <a href=\"https:\/\/www.creditrepair.com\/education\" target=\"_blank\" rel=\"noreferrer noopener\">educated and savvy spenders<\/a> use credit cards to their advantage, earning cash back or other rewards since most issuers nowadays offer some type of perk.<\/p>\n\n\n\n<p>Can you really get cash back on a credit card? Yes, you can\u2014with cash back credit cards.<\/p>\n\n\n\n<p>Using a cash back credit card is a useful way to earn back extra cash in return for dealing with credit card payments. There are different reward categories to look at when deciding on a cash back credit card, but it\u2019s important to understand how cash back works.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"975\" height=\"319\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/12\/image-9.png\" alt=\"Consumers with good credit put an average of two-thirds of their purchases on their credit cards.\" class=\"wp-image-362971\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/12\/image-9.png 975w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/12\/image-9-300x98.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/12\/image-9-600x196.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/12\/image-9-768x251.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/12\/image-9-450x147.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/12\/image-9-900x294.png 900w\" sizes=\"(max-width: 975px) 100vw, 975px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-cash-back-and-how-do-cash-back-credit-cards-work\"><a><\/a>What is cash back and how do cash back credit cards work?<\/h2>\n\n\n\n<p>The way cash back credit cards work is simple\u2014with every purchase you make with your cash back card, you earn back a percentage of cash rebate. The purchase percentage depends on what type of cash back credit card you have.<\/p>\n\n\n\n<p>However, some transactions typically don\u2019t qualify for cash back rewards, such as:<\/p>\n\n\n\n<ul><li>Balance transfers<\/li><li>Cash advances<\/li><li>Money orders<\/li><li>Lottery tickets and other gambling purchases<\/li><li>Cryptocurrency<\/li><li>Foreign currency exchanges<\/li><\/ul>\n\n\n\n<p>Credit card issuers can do this because merchants pay an interchange fee on every transaction. This interchange fee pays for the cash reward on cash back credit cards. Merchants are business owners who accept your payment and have to pay to process your credit card.<\/p>\n\n\n\n<p>Another common credit card perk issuers offer is cash advances, which shouldn\u2019t be confused with cash back. You receive money from both perks, but cash advances are essentially small loans against your <a href=\"https:\/\/www.creditrepair.com\/blog\/credit-card\/what-is-credit-limit\/\" target=\"_blank\" rel=\"noreferrer noopener\">credit limit<\/a>. With cash back rewards, you receive a percentage of what you already spent as a rebate and do not need to pay it back.<\/p>\n\n\n\n<p>Most credit card companies translate 100 reward points to $1. For example, if you purchased a plane ticket for $350 and used a cash back credit card with a 1.5 percent flat rate, you would earn back about $5 just for using the card.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"975\" height=\"325\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/12\/image-8.png\" alt=\"Cash back credit cards 101\" class=\"wp-image-362970\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/12\/image-8.png 975w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/12\/image-8-300x100.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/12\/image-8-600x200.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/12\/image-8-768x256.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/12\/image-8-450x150.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/12\/image-8-900x300.png 900w\" sizes=\"(max-width: 975px) 100vw, 975px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-types-of-cash-back-credit-cards\"><a><\/a>Types of cash back credit cards<\/h3>\n\n\n\n<p>Several <a href=\"https:\/\/www.creditrepair.com\/blog\/education\/types-of-credit-cards\/\" target=\"_blank\" rel=\"noreferrer noopener\">types of credit cards<\/a> offer cash back advantages, and it\u2019s important to understand how each of them works. Remember to keep in mind your current spending habits and financial status when navigating different card options.<\/p>\n\n\n\n<table style=\"width: 100%; box-sizing: border-box; border: 1px solid #d1d0d4; padding: 5px; border-collapse: collapse; font-family: 'Museo', sans-serif;\">\n<tr>\n<th colspan=\"2\" style=\"width: 20%; border: 1px solid #d1d0d4; padding: 5px; height: 125px; color: white; background-color: #092F57; text-align: center;\">Types of cash back credit cards<\/th>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #d1d0d4; padding: 5px; height: 100px; color: #00214f; text-align: center; font-weight: 500; background-color: #EFEFF0\"><b>Flat-rate credit cards<\/b><\/td>\n<td style=\"border: 1px solid #d1d0d4; padding: 5px; height: 100px; color: #00214f; text-align: center; font-weight: 500; background-color: #EFEFF0\">Have the same cash back rate for all purchases<\/td><\/tr>\n<tr>\n<td style=\"border: 1px solid #d1d0d4; padding: 5px; height: 100px; color: #00214f; text-align: center; font-weight: 500;\"><b>Tiered rewards credit cards<\/b><\/td>\n<td style=\"border: 1px solid #d1d0d4; padding: 5px; height: 100px; color: #00214f; text-align: center; font-weight: 500;\">Have varying cash back rates for different purchase categories<\/td>\n<\/tr>\n <tr>\n<td style=\"border: 1px solid #d1d0d4; padding: 5px; height: 100px; color: #00214f; text-align: center; font-weight: 500; background-color: #EFEFF0\"><b>Rotating category bonus credit cards<\/b><\/td>\n<td style=\"border: 1px solid #d1d0d4; padding: 5px; height: 100px; color: #00214f; text-align: center; font-weight: 500; background-color: #EFEFF0\">Have varying cash back rates for specific spending categories that change quarterly<\/td><\/tr>\n<\/table>\n\n\n\n\n<p>Here are the most common types you will find:<\/p>\n\n\n\n<p><strong>Flat-rate credit cards: <\/strong>Flat-rate cards have the same percentage of cash\u2014typically from one to 2.5 percent\u2014applied to every purchase you make. With these cards, the amount of money something costs and where you bought it don\u2019t matter.<\/p>\n\n\n\n<p>This is the simplest card because you don\u2019t need to enroll in other bonus categories or be involved in a tiered rewards system.<\/p>\n\n\n\n<p><strong>Tiered rewards credit cards: <\/strong>With tiered rewards cards, cardholders earn cash back at varying rates\u2014from one to six percent\u2014within specific spending categories. Spending categories may include:<\/p>\n\n\n\n<ul><li>Groceries<\/li><li>Travel<\/li><li>Health<\/li><li>Gas and electric vehicle charging<\/li><li>Dining<\/li><li>Bills<\/li><li>Entertainment<\/li><li>Shopping<\/li><\/ul>\n\n\n\n<p>This type of cash back card is more consistent than category bonus cards, but you still need to be able to spend the set amount to maximize the earnings.<\/p>\n\n\n\n<p>This card is not recommended for those who use their credit card on more regular purchases rather than vacations and expensive purchases because tiered reward cards tend to provide lower percentage rates for those purchases.<\/p>\n\n\n\n<p><strong>Rotating category bonus credit cards:<\/strong> Category bonus cards are similar to tiered rewards cards in that they offer high cash back rates\u2014sometimes two to five times higher\u2014in specific spending categories like those listed above. However, these cards have alternating spending categories every quarter, giving you a higher percentage of cash back on purchases in specific categories.<\/p>\n\n\n\n<p>These cards are great for those who know that they\u2019ll be able to spend the set amount every quarter to earn the rewards. This card type works for individuals who are smart with their finances and have flexible spending habits.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-benefits-of-cash-back-credit-cards\"><a><\/a>Benefits of cash back credit cards<\/h2>\n\n\n\n<p>There are plenty of benefits to using a cash back credit card. The biggest benefit is that you earn money on almost every purchase you make using the card without extra hassle.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-low-introductory-apr\"><a><\/a>Low Introductory APR<\/h3>\n\n\n\n<p>Many issuers offer low or zero percent introductory <a href=\"https:\/\/www.creditrepair.com\/blog\/credit-card\/purchase-apr\/\" target=\"_blank\" rel=\"noreferrer noopener\">purchase APRs<\/a> on cash back credit cards. Introductory periods may vary from six months to two years. This is a great benefit to look for when applying for a cash back credit card, especially if you\u2019re looking to make a large purchase soon. You\u2019ll not only receive the cash back, but also have more time to pay off the purchase at a low or zero percent interest rate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-signup-bonuses-and-perks\"><a><\/a>Signup bonuses and perks<\/h3>\n\n\n\n<p>In addition to receiving cash back on purchases, some credit card companies offer signup bonuses to new cardholders. This intro offer comes with specific requirements that vary by credit card\u2014for example, the Wells Fargo Active Cash Card gifts $200 to new cardholders that spend $1,000 within their first three months.<\/p>\n\n\n\n<p>The Discover it\u00ae Cash Back Credit Card offers cash back matching that matches your cash back rewards you earned within the first year\u2014you could turn $500 into $1,000.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-works-on-most-purchases\"><a><\/a>Works on most purchases<\/h3>\n\n\n\n<p>If you handle your finances well, using a cash back credit card on most of your larger purchases can be a great way to earn extra cash when spending. Typically, these cards work with purchases such as travel expenses, gas and expensive items.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-simple-to-use\"><a><\/a>Simple to use<\/h3>\n\n\n\n<p>This type of credit card is easy to use and understand. It\u2019s unlike other credit cards that use miles or points systems for their rewards, which can easily become confusing for the user.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-requires-a-low-amount-of-effort\"><a><\/a>Requires a low amount of effort<\/h3>\n\n\n\n<p>Another perk of using a cash back credit card is that it requires little effort, other than making sure you pay your credit balance on time. Using a cash back credit card can also work as a savings account tool as you earn cash on your purchases. Any cash earned on a purchase made using the credit card comes back tax-free as well.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-redeem-cash-back\"><a><\/a>How to redeem cash back<\/h2>\n\n\n\n<p>The way you redeem your earned cash back depends on your card issuer and preference. A few of the most common ways to redeem cash back are through:<\/p>\n\n\n\n<ul><li>Direct deposit or check<\/li><li>Online shopping on specific sites<\/li><li>Gift cards to select stores<\/li><li>Putting it toward your statement balance<\/li><\/ul>\n\n\n\n<p>Amazon Rewards Visa Signature, for example, lets cardholders use cash back bonuses on Amazon purchases during checkout, or on Chase.com for cash, travel or gift cards.<\/p>\n\n\n\n<p>To get cash back or statement credit, navigate to the rewards page on your issuer\u2019s website or app. There, you can select which option you\u2019d like, as well as add other accounts for depositing cash back bonuses. Keep in mind that some credit card companies hold minimum redemption amounts.<\/p>\n\n\n\n<p>If you are more hands-on with your money, you can put the cash into <a href=\"https:\/\/www.creditrepair.com\/blog\/money-management\/cash-envelope-templates\/\" target=\"_blank\" rel=\"noreferrer noopener\">cash envelopes<\/a> to keep for later use.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-best-credit-cards-for-cash-back\"><a><\/a>Best credit cards for cash back<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-discover-it-cash-back-credit-card\"><a><\/a>Discover it\u00ae Cash Back credit card<\/h3>\n\n\n\n<p>The Discover it\u00ae Cash Back card is best known for its cash back matching and quarterly categories. This rotating category credit card is best for smart spenders who stay on top of their finances because the additional quarterly bonus categories must be activated to earn cash back.<\/p>\n\n\n\n<p>For smart spenders, it\u2019s a good option as a primary credit card because cardholders earn five percent on everyday purchases at grocery stores, restaurants and on Amazon. All other purchases earn one percent back, outside of the quarterly bonus categories members opt into.<\/p>\n\n\n\n<ul><li><strong>Annual Fee: <\/strong>$0<\/li><li><strong>Rewards rate: <\/strong>One to five percent<\/li><li><strong>Intro offer: <\/strong>Cash back matching within the first year<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-chase-freedom-flex-or-unlimited-credit-cards\"><a><\/a>Chase\u00ae Freedom Flex or Unlimited credit cards<\/h3>\n\n\n\n<p>Two of Chase\u2019s most popular cash back credit cards are the Freedom Flex and Freedom Unlimited. The Freedom Unlimited is better for individuals looking for a low-maintenance card, and the Freedom Flex is best for those looking to maximize reward eligibility.<\/p>\n\n\n\n<p>Both credit cards earn five percent back on travel booked on Chase\u2019s rewards platform and three percent back at restaurants and drugstores. Other purchases earn 1.5 percent back for the Unlimited and one percent for the Flex card.<\/p>\n\n\n\n<p>The difference between the two cards is the Freedom Flex is a rotating category cash back credit card, similar to the Discover it\u00ae credit card. You must activate the bonus categories to earn the rotating five percent cash back.<\/p>\n\n\n\n<ul><li><strong>Annual Fee: <\/strong>$0<\/li><li><strong>Rewards rate: <\/strong>one to 6.5 percent<\/li><li><strong>Intro offer: <\/strong>$200\u2013$300 (new Freedom Unlimited cardholders earn an additional 1.5 percent cash back on all purchases within their first year)<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-amazon-prime-rewards-visa-signature-card\"><a><\/a>Amazon Prime Rewards Visa Signature card<\/h3>\n\n\n\n<p>Prime members can apply for the Amazon Prime Rewards Visa Signature card. While cardholders earn the highest rates\u2014five percent\u2014shopping with Amazon and Whole Foods Market, you can also use this card elsewhere to earn rewards. Cardholders earn two percent back at restaurants, drugstores and gas stations, and one percent back on all other purchases.<\/p>\n\n\n\n<ul><li><strong>Annual Fee: <\/strong>$0<\/li><li><strong>Rewards rate: <\/strong>One to five percent<\/li><li><strong>Intro offer: <\/strong>Amazon gift card with no initial spending requirements<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-capital-one-savor-and-savorone-cash-rewards-credit-cards\"><a><\/a>Capital One\u00ae Savor\u00ae and SavorOne\u00ae Cash Rewards credit cards<\/h3>\n\n\n\n<p>Capital One\u2019s two most popular cash back credit cards\u2014Savor\u00ae and SavorOne\u00ae\u2014are also good for everyday use.<\/p>\n\n\n\n<p>These cards have one of the highest cash back percentages at eight percent for purchases made on the Capital One Entertainment platform or Vivid Seats. Travel booked through Capital One Travel earns five percent back for both credit cards. The differences between Savor\u00ae and SavorOne\u00ae come down to their fees and cash back percentages.<\/p>\n\n\n\n<p>The Savor\u00ae card has an annual fee and doesn\u2019t offer an intro APR, but it comes with higher cash back percentages. This card is best for individuals who dine out often and spend more on entertainment, as these purchases earn four percent back.<\/p>\n\n\n\n<p>The SavorOne\u00ae is better for those who eat out just as much as they dine in at home, as both dining and grocery store purchases earn three percent back. This card has no annual fees and zero percent APR for the first 15 months.<\/p>\n\n\n\n<ul><li><strong>Annual Fee: <\/strong>$0\u2013$95<\/li><li><strong>Rewards rate: <\/strong>One to eight percent<\/li><li><strong>Intro offer: <\/strong>$200\u2013$300<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"975\" height=\"323\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/12\/image-7.png\" alt=\"79 percent of new credit card users picks their card based on the type and quality of the issuer's rewards. \" class=\"wp-image-362969\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/12\/image-7.png 975w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/12\/image-7-300x99.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/12\/image-7-600x199.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/12\/image-7-768x254.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/12\/image-7-450x149.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/12\/image-7-900x298.png 900w\" sizes=\"(max-width: 975px) 100vw, 975px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-when-to-consider-adding-a-new-cash-back-card\"><a><\/a>When to consider adding a new cash back card<\/h2>\n\n\n\n<p>Although a cash back credit card can be useful, you need to <a href=\"https:\/\/www.creditrepair.com\/blog\/credit-card\/thinking-about-opening-another-credit-card-ask-yourself-these-4-questions-first\/\" target=\"_blank\" rel=\"noreferrer noopener\">consider a few things before deciding to add a new credit card<\/a>. First, you should have good to decent credit. If you start using a cash back card with good credit, you\u2019ll see much better rewards than you\u2019d see with poor credit.<\/p>\n\n\n\n<p>You should only consider adding a credit card if you see yourself being able to pay your monthly credit balance. If you have reckless spending habits and struggle to stay on top of your payments, this might not be the right time to get a new credit card. Keep in mind if the credit card you\u2019re considering comes with annual fees as well.<\/p>\n\n\n\n<p>It also might be time to consider a new cash back credit card if you find your current card doesn\u2019t offer a rewards program that works for your financial needs. If so, it\u2019s important to know how to <a href=\"https:\/\/www.creditrepair.com\/blog\/credit-101\/cancel-credit-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">cancel a credit card<\/a> correctly because it could negatively affect your credit score.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-this-all-affect-my-credit-score\"><a><\/a>How does this all affect my credit score?<\/h2>\n\n\n\n<p>Using a cash back credit card can affect your credit score, depending on how you use it, just like any other type of credit card. If you tend to forget to pay your credit balance or aren\u2019t on top of your finances, you\u2019ll see a direct <a href=\"https:\/\/www.creditrepair.com\/education\/scores\/why-did-my-credit-score-drop\" target=\"_blank\" rel=\"noreferrer noopener\">negative impact on your credit score<\/a>.<\/p>\n\n\n\n<p>However, if you\u2019re organized with your finances and pay your credit balance regularly, you should see your credit score increase over time, which helps you in the long run.<\/p>\n\n\n\n<p>When using a cash back credit card, it\u2019s crucial to check your credit regularly to make sure you\u2019re in good credit standing. The better your credit, the better your rewards will be when using the card.<\/p>\n\n\n\n<p>It\u2019s important to understand how credit card cash back works with your standing credit balance. If you\u2019re interested in getting a cash back credit card, make sure your credit is in good standing, or <a href=\"https:\/\/www.creditrepair.com\/fix-my-credit\" target=\"_blank\" rel=\"noreferrer noopener\">learn how to fix your credit<\/a> before getting a new card.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><a href=\"http:\/\/creditrepair.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\">Note: <\/a>The information provided on <a href=\"http:\/\/CreditRepair.com\" target=\"_blank\" rel=\"noreferrer noopener\">CreditRepair.com<\/a> does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>How does cash back work with credit cards? For every card swipe or tap, you earn a percentage of money back to spend on future purchases or to pay off credit card debt.<\/p>\n","protected":false},"author":70,"featured_media":359532,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[455],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.5 (Yoast SEO v18.5.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How does credit card cash back work? | CreditRepair.com<\/title>\n<meta name=\"description\" content=\"A foolproof guide to answering, \u201chow does credit card cash back work?\u201d Learn about types of cash back cards and how they can affect your credit score.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.creditrepair.com\/blog\/credit-card\/how-does-card-cash-back-work\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How do cash back credit cards work?\" \/>\n<meta property=\"og:description\" content=\"A foolproof guide to answering, \u201chow does credit card cash back work?\u201d Learn about types of cash back cards and how they can affect your credit score.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.creditrepair.com\/blog\/credit-card\/how-does-card-cash-back-work\/\" \/>\n<meta property=\"og:site_name\" content=\"CreditRepair.com\" \/>\n<meta property=\"article:published_time\" content=\"2022-12-01T19:49:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-12-01T19:49:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/03\/man-on-laptop-with-credit-card-getting-cash-back.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1500\" \/>\n\t<meta property=\"og:image:height\" content=\"974\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Elizabeth Whiting\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/#website\",\"url\":\"https:\/\/www.creditrepair.com\/blog\/\",\"name\":\"CreditRepair.com\",\"description\":\"We are the credit repair experts\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.creditrepair.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/credit-card\/how-does-card-cash-back-work\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/03\/man-on-laptop-with-credit-card-getting-cash-back.jpg\",\"contentUrl\":\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/03\/man-on-laptop-with-credit-card-getting-cash-back.jpg\",\"width\":1500,\"height\":974},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/credit-card\/how-does-card-cash-back-work\/#webpage\",\"url\":\"https:\/\/www.creditrepair.com\/blog\/credit-card\/how-does-card-cash-back-work\/\",\"name\":\"How does credit card cash back work? 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