Cashback bank card: which bank offers cashback

Although it is rare that a customer chooses his bank or bank card according to cashback, it is an interesting bonus to take into account in particular when you compare banks and their bank charges. Indeed, some establishments offer cashback on a rather high-end card type, which generally includes good guarantees and insurance for the holder. This can therefore be a weight criterion when you hesitate between several banks. On the other hand, banks offering cashback by global bank card have an annual card subscription that can be higher, but if you regularly make payments by card, the subscription may be partially returned.

Banque cashback

Many banks or payment establishments offer the possibility of recovering part of the expenses generated via its services or products.

This operation is commonly called “cashback”, which in English is reflected in money back.

A bank that gratifies its customers for spending money ? This is the principle of cashback. The interest is double: This allows you to attract new customers and retain them, by encouraging them to use the services and products of the bank. The customer, him, win a few euros on an expense made. More and more banking establishments today offer this practice.

Practically all banks offer this opportunity. Traditional banks such as Crédit Agricole, LCL, often offer it for loyalty purposes. More and more payment establishments or neobancs offer this cashback to attract new customers.

Promotional offers of the moment:

An offered year

Until
130 € offered*

2 months offered
with black Lydia

Our selection of promotions

100 € offered

80 € offered

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What is cashback ?

Cashback is a marketing technique which consists in paying delayed money to a customer, when the latter makes a purchase by bank card. The amount of cashback can be determined according to the number of operations carried out or according to a percentage of the amount of the purchase, variable depending on the establishments.

Attention : The term cashback also means another service not to be confused, which allows Remove species by paying by bank card directly with a merchant. This method aims to facilitate access to the withdrawal of species in areas where ticket distributors are less frequent.

How the cashback works ?

Several players offer cashback in France. And in particular websites specialized in this practice of delayed reimbursement on purchases, such as Poulpeo, EbuyClub, Igraal or Joko. These online platforms or applications thus allow consumers to recover between 1% and 50% of the amount of their purchases made per Bank card, In some partner e-merchants. In addition to the partial reimbursement of purchases, they also offer cumulative promo codes and coupons to print in order to save more savings. The constraint is that it is necessary to be registered on the platform to open a kitty where the euros will be donated.

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Cashback by payment card

Banks are also increasingly interested in cashback and set up Discount programs. This cashback by Bank card Maybe global, that is to say that the reimbursement of part of the transaction will be made on the current account for each purchase made with the attached bank card, at any merchant. Generally The remuneration rate is low, around 0.10% to 0.50%. But cashback by bank card can also be more specific, with a greater discount with a selection of affiliated stores, depending on the partnerships signed between the banking establishment and the businesses (physical or online).

In some cases, cashback can be restricted to a specific offer from the bank (The cashback will be possible with such a card but not another) or to purchases abroad (as for the mastercard world elite at Crédit Mutuel for example, which offers cashback only on transactions abroad).

Finally, some banks offer cashback for the purchase of a product or the subscription of a service within its group. This is the case, for example, ofOrange Bank, which offers 5% cashback for any purchase made on its online store or in physical store (smartphone, accessories, etc.), and 5% on the telephone or internet bill when the customer is at Orange.

Good to know the “Title-restaurant” which allows the employee to adjust his cheaper meal thanks to the participation of the employer, is increasingly offered in the form of a dematerialized smart card. Some companies that produce these cards (such as Swile) set up partnerships with merchants offering cashback for purchases made at home.

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The development of cashback in banks

The cashback system tends to develop in France. Imported from the United States, the concept first appealed to large retailers and businesses, which have taken loyalty to retain their customers. Loyalty cards take up this principle, by paying you in the form of vouchers of the euros spent within the brand.

From now on, more and more banks offer offers including cashback for payments with a bank card. Société Générale, Crédit Agricole, LCL, Orange Bank, Boursorama, Monabanq, Lydia, Revolut or Vivid Money loyal their customers thanks to this new service.

The advantage for the customer is undeniable: it can Increase your purchasing power by combining euros each month. Also, this allows him to build up a kitty, which he can pour for example on a savings booklet. For the bank, this allows him to attract possible new customers by standing out with a service that is not yet democratized, but also to retain its customers in the long term. In addition, it is a virtuous circle because, by paying you money, the bank puts on the fact that you are going to place this amount or spend it by performing a new purchase.

Banks are trying to stand out by offering unique cashback offers, with as many choices as possible for their customers. Société Générale offers for example up to 20% cashback in more than 1,000 partners. Lydia offers cashback on the purchase of cryptocurrency, which she pays up to 1%. Finally, LCL has developed an application with a card that geolocates local partners.

Although it is rare that a customer chooses his bank or bank card according to cashback, it is an interesting bonus to take into account in particular when you compare banks and their bank charges. Indeed, some establishments offer cashback on a rather high-end card type, which generally includes good guarantees and insurance for the holder. This can therefore be a weight criterion when you hesitate between several banks. On the other hand, banks offering cashback by global bank card have an annual card subscription that can be higher, but if you regularly make payments by card, the subscription may be partially returned.

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Boosted cashback

Some players offer larger cashback according to occasional operations, when you make card purchases from one of their partners. Some establishments thus offer discounts up to 80%.

Concretely, when the cashback is paid on the account ?

To perceive the cashback, you must first go to the store or to the partner website and set the purchase by means of the eligible bank card. Then, the bank records the purchase and automatically pays the amount or percentage equivalent to the purchase directly on the current account of the holder. It is possible depending on the establishments, to receive the amount either immediately, or on a fixed date defined by the bank or at the end of the month.

Is cashback profitable ?

If the remuneration rates seem low, at the end of the year, the cumulative euros can represent a significant small jackpot, which can go up to several tens of euros.

In addition, the cashback does not cost you anything, except the possible annual subscription of your bank card (but at some banks, like Boursorama, it is free. )). Furthermore, this requires only a short time since operations are carried out automatically (no need to declare them), just consult the list of partner businesses to better target your purchases.

The welcome bonus, a sort of anticipation cashback

To attract new customers, most Online banks And some traditional banks offer welcome bonuses or sponsorship offers for any account opening. These bonuses paid can be seen as a form of cashback or “return of money” because the customer is rewarded by the bank. Indeed, to encourage you to use their services and place your money at home, these establishments do not hesitate to pay you money in anticipation on the possible banking costs that you will pay.

The amounts of these bonuses vary from one establishment to another, but can go up to a hundred euros, depending on the promotional offers in progress.

Monabanq offers up to € 80 of prime cashback over a year. This cashback is determined by a percentage applied to purchases made with its bank card. This percentage varies depending on the type of current account opened (0.5% with Pratiq and Pratiq+; 1% with UNIQ and UNIQ+).

Cashback bank card: which bank offers cashback ?

A cashback bank card is a great way to earn money by spending, in a simple and free way ! As soon as you make a payment with your credit card in a business (online or physical, you can benefit from a partial reimbursement of your purchases !

How a cashback bank card works ? What banks offer this offer ? What is the best cashback bank card ? What amount can you benefit from ? To answer these questions, we have studied all current offers in order to offer you a comparison of the best cashback cards on the market ! ��

And we start our file by checking in which bank it is possible to obtain cashback without further delay !

Cashback bank card comparison

What a bank with cashback ?

Banks with cashback are as follows ::

Comparison of the best cards with cashback

Cashback bank card comparison

What to know about this comparison of CB with cashback

This comparative table of cashback bank cards allows you to learn more about banks offering this offer, The amount of cashback according to the cards and where you can take advantage of this partial refund. Thus, you will be able to know what is the best cashback card based on different criteria: cashback amount and where the offer is valid.

So you have on this table:

• Banks with cashback bank card
• The amount of cashback (in %)
• Shops to take advantage of this offer

In this cashback card comparison, we find both online banks, traditional banks and neobancs as well as bank cards specializing in cashback like the American Express Platinum.

You can also see that the rate of cashback allocated and the number of shops where the cashback is valid differ according to the cards and the banks, some are more generous than others. We will now see what is the best cashback bank card before detailing our cards ranking ! ��

What is the best bank card with cashback ?

The best bank card with cashback is the monabanq bank card.�� Its cashback program is compatible with all online banking bank cards and customers can earn up to € 80 during the first year of subscription. The amount of cashback ranges from 0.5 to 1% depending on the bank account. To this cashback offered live by Monabanq, there is a cashback offer offered by Booking.com, partner of Monabanq.

The Monabanq card carrier can receive 4 % of the amount of its booking booking.com, by going through a link dedicated to this partnership and reserving with its Monabanq bank card.The Monabanq cashback can be combined with that of Booking.com !

The bank card with cashback Monabanq is a welcome offer to recover € 80 in the first year of subscription and take advantage of 40 € offered at the opening of account. With each purchase made by bank card, new Monabanq customers recover up to 1% of the amount of their purchases.

Cashback bank: the bank card ranking

Not all cashback banks offer the same advantages. To see more clearly, we have made a classification of bank cards thanks to which you can read all the necessary information before making your choice: access conditions, cost, cashback amount, shops where the offer is valid.

1. Monabanq

Monabanq:
Bank card with cashback

Monabanq markets a bank card offer with cashback up to 1% live valid everywhere. Online bank customers recover up to € 80 during the first year with this cashback program valid everywhere and the amount of cashback varies from 0.5 to 1% depending on the.

The cashback program is a welcome offer up to € 80 offered for a year. Its operation is very simple since it is enough to make purchases by bank card (regardless of the range) in any business. The amount of cashback is 0.5% with Pratiq and Pratiq + accounts and up to 1% with UNIQ and UNIQ + accounts within the limit of € 80 spread over the first year, without monthly cap.
The payment is made monthly no later than the 16th of the month depending on the amount of purchases of the previous month.

Thanks to a partnership between Booking.com and monabanq, The Monabanq client will receive 4% of the amount of its reservation by Booking.com On his current monabanq account. This advantage is offered to the Monabanq client in possession of a Visa Premier, Visa Classic or systematic authorization card. All bank cards with cashback monabanq are accessible without income conditions: from the visa to systematic authorization to the Visa Premier card.

��All bank cards with cashback Monabanq are always accessible without income conditions and new customers also benefit from € 40 offered when opening an account in the online bank, ie a welcome offer up to € 120 !

2. Societe Generale

Societe Generale :
Bank card with cashback

Société Générale offers various bank cards with cashback including Vpay and Visa Premier. Accessible without income conditions, these visa blue cards allow you to benefit from a cashback up to 20% in more than 800 partner shops.

Once your payment has been made, the cashback is donated on a dedicated kitty that it will be possible to withdraw from 20 € accumulated. The monthly subscription varies according to the card: € 4.92 for the VPay card and € 13.25 for the first visa. For example, you can benefit from 5% cashback in all Celio stores or 10% for purchases made on the Expedia online sales site.Fr. We can also cite brands and brands like Conforama, Nike, Phillips, Samsung…

�� Bank cards with Cashback from Société Générale Also include certain advantages, including the Visa Premier card (travel insurance, withdrawal withdrawal and payments, etc.)).

3. helios

Helios: bank card with cashback

The bank card with ethical cashback offered by Helios has the advantage of being particularly attractive in terms of discount rate. The rate of the cashback bank card reaches 6%, which is higher than the market average. This allows consumers to make significant savings on their purchases from partner brands.

It is also their classic cashback for most brands, which means that a large number of partners offer a 6% discount rate. In addition, it is important to note that the ethical cashback can be combined with other promotional offers, which further strengthens its interest in consumers.

The Helios banking alternative has implemented the platform all consumers ! To facilitate access to this ethical cashback. In just a few months, she managed to unite around fifty active brands, and the figure continues to increase since new players join the platform every day. Among these brands are partners in various fields such as food, cosmetics or even ethical fashion.

Among the brands compatible with the Cashback Helios bank card, we find Jean Fourche (bicycle), Réjeanne (lingerie), cement Paris (craft soaps) or even mother queen (specialist in responsible decoration).

�� Bank cards with Cashback Helios are accessible to everyone without income conditions. Currently, new customers benefit from a welcome offer of 3 months offered to discover the Ecological Helios alternative for free (a saving of € 18 for a conventional bank account and € 9 for a young bank account).

4. Orange Bank

Orange Bank:
Bank card with cashback

The bank card with Orange Bank cashback is the premium card billed € 7.99 / month. Accessible without income conditions, this cashback blue card allows you to obtain a partial reimbursement of 5% in the Orange stores, on the online sales site and on your bills (€ 3 maximum / month).

With each payment made with the cashback Mastercard card, you are alerted by SMS of the amount of cashback and the amount will be paid to your Orange Bank current account. If you buy an accessory like a connected watch on the Orange store website, you recover 5% of the amount spent.

�� In parallel with the cashback program, the Mastercard Premium Also includes many services such as free withdrawals and payments worldwide, full travel insurance (in case of cancellation, loss/theft of your luggage, civil liability abroad, snow and mountain guarantee, etc.), medical assistance abroad or a vehicle rental guarantee. New customers of premium offers benefit from € 80 currently offered.

5. American Express Platinum

American Express:
Bank card with cashback

The card with cashback American Express Platinum is offered by the American Express network. Billed € 55 per month, this bank card is accessible from € 65,000 in income per year. The amount of cashback is 0.1% in all businesses accepting the American Express.

With each payment made with the cashback card, you accumulate points that you can then convert to euros or gifts. For example, if you reach 1000 points, you can get € 5 and with 48,000 points you can receive a pair of AirPods headphones.

�� By subscribing to a cashback American Express bank card, You can take advantage of a welcome offer: a refund of € 150 as soon as you spend € 1,500 with your card in any business.

6. N26 Business

N26 Business:
Bank card with cashback

N26 markets three bank cards with cashback for its professional customers : N26 Business, N26 Business You and N26 Business Metal. The cost of the bank card varies depending on the one you are going to choose and they are all accessible without income condition. The fully free MasterCard N26 Business card benefits from a cashback of 0.1%, as is the Buisiness You Card Billed € 9.90 per month.
The amount of cashback in the N26 Business Metal card is 0.5% and its monthly subscription amounts to € 16.90 per month.

The cashback is valid in all physical shops and on online sales sites. If you make purchases from a grocer, then in a clothing store for example, you can benefit from a payment of 0.1 to 0.5% of the amount spent.

�� Cards with paid mastercard cashback Also include other advantages such as free payments and withdrawals abroad and various travel insurance (medical assistance, flight insurance, baggage warranty, etc.)).

7. Floa Bank

Floa Bank:
Bank card with cashback

Floa Bank markets a bank card with cashback: the Gold Floa card. Accessible without income conditions, the MasterCard card is billed € 4.50 / month. You can benefit from a cashback in an amount of 1% valid in all shops and 2% at Casino and on Cdiscount.

If you make a purchase in a business such as a newsagent, 1% of the amount spent will be credited on your account and 2% for any purchase made from Casino or on the Cdiscount site.

��The Carte Bleue with Cashback from Floa Bank also includes various insurances (travel, means of payment, purchase, etc.) and the possibility of paying in several times on Cdiscount and in Casino stores.

A credit commits you and must be reimbursed. Check your repayment capacity before you commit.

8. Revolut

Revolut:
Bank card with cashback

The bank card with cashback marketed by Revolut is the metal card billed € 13.90 / month. Without income conditions, the Mastercard card of the British neobank allows you to benefit from a cashback in the amount of 0.1% in Europe and 1% outside Europe. The Revolut cashback is valid in all shops around the world.

For example, if you make a purchase in a business in France, 0.1% of the amount spent will be credited to your account; same principle if you make a trip abroad, then 1% of the sum will be credited this time.

��The Revolut Metal MasterCard Also allows you to access cryptocurrencies, to benefit from a concierge service but also other advantages such as access to a fair in airports in the event of delay of your plane, being covered during travel to abroad (medical assistance, luggage warranty) or even priority when you wish to attach customer service.

Cashback and bank card: better understand to choose

A cashback bank and a bank card should not be chosen at random. To accompany you in your research, here is the operation of cashback with a bank card.

�� What is cashback with a bank card ?

The cashback with a bank card is a way to obtain a partial refund of your purchases by bank card. Many banks are now offering a card that brings money to allow their customers to boost their purchasing power while retaining them.

When you make a payment with your bank card in a business, You get a partial refund ranging from 0.1% to 20% depending on the banks directly on your current account.

�� How the cashback works with a bank card ?

Cashback with a bank card works as follows : As soon as you make a purchase with a cashback bank card, you can obtain a refund of part of your expenses. Some cashback programs can only work in some merchants and others everywhere online or in a physical store, it all depends on the cashback card.

In the United States, for example, the bank shares with its client its interchange commission (a percentage on the amount of the banking operation) to encourage them to use its bank card as a means of payment. In France, the commission rate is not attractive enough so European banks are establishing partnerships with brands.

Cashback bank card: what to remember

A bank card with cashback is a good way to amortize its price, Because the contributions of certain cards can reach hundreds of euros per year, especially among traditional banks. As you have seen in our comparison, the amount of cashback varies according to the bank card and the brand where you are going to make your purchase: some reimbursement rates are low (less than 1%) and others higher (around of 5%).

�� The amount of cashback therefore depends on the bank card, but also on the businesses. At Orange for example, the cashback is only valid in orange stores while at N26, the cashback is valid in all shops.

��Cashback should not be your only criterion to choose a bank. Indeed, a bank card with cashback with a significant reimbursement rate does not mean, however, that its services will meet your needs and habits, if not for insurance and card assistance and this is the Same thing for the bank services that offer cashback.

��To avoid unpleasant surprises, Be sure to study the products and services of the bank card and cashback bank while taking into account the entry conditions, and also the characteristics of the cashback offer: rate, minimum to be made to be paid money, number of partner brands etc ..

“Subject to acceptance of your file by Floa. »»
“The Gold card is an accessory credit card to an annual renewable credit. It can be used in cash or on your choice when paying. »»
“Offer subject to conditions. More info on Floabank.Fr ”
“The Gold of Floabank allows you to generate cashback on your purchases. More info on Floabank.Fr “

A suggestion or a remark on the ruthless universe of bank cards with cashback ? Put us a little comment, we will be happy to answer you or bounce back on your remarks ! �� If You have recent experience with a bank offering cashback, your return interests us !