Bank card with cashback: comparison and ranking 2023

➡️ But what is cashback and how can you enjoy it ? Answer in our selection of best bank cards with cashback ! ��

How to get cashback ?

You want to save money on your online purchases ? Discover the concept of cashback and the advantages it can offer you ! What is cashback and how does it work ? What are the sites and applications that allow you to benefit from reimbursements on your purchases thanks to the cashback ? Our experts guide you to save money through our advice !

What is cashback ?

Cashback is an English term that can be translated as “money back” or “deferred discount”.

The cash back designates a reimbursement system on purchases made online, or in stores, with partner signs or with certain banks. When you make a purchase via a website, or a dedicated application, you recover a percentage of your expenses in the form of a refund. This can be a fixed or variable percentage depending on the merchant or the current promotional offer.

There are 3 ways to perceive cashback:

• A money deposit on the cash back site,

• A refund on the cashback bank card used,

• a coupon

It is a popular way for consumers to benefit from additional financial advantages while making their usual purchases.

Do not confuse promotion and cashback ! The promotion is made upstream of the purchase, while the cashback is an applied reduction after purchase in the form of a reimbursement.

If you want to do the cashback calculation, nothing could be simpler ! Take an example: you spend € 200 on a site offering 10 % cash back. Following your purchase, you will recover 20 € in your kitty.

The reduction percentage is different depending on the cashback sites and the partnerships signed with the brands.

What are the cashback sites and applications ?

When you want to benefit from cashback, Many specialized sites allow you to take advantage of discounts on your online purchases.

Here are some of the best cashback sites and applications available:

Use	Benefits	Site and/or app
	– a badge system, – gift cards, – opinions giving the right to bonuses, – Creation of Wish Lists, – Payment threshold at 20 €	– easy to use – 1,800 partner merchants – Varied cashback offers – Several payment methods (Amazon, Paypal or bank transfer check)	Site

IOS and Android application

IOS and Android application

IOS and Android application

IOS and Android application

How the cashback works ? Steps

The cashback operates as a partnership between a specialized platform or a bank, and an e-commerce site or a brand. The actors can be very varied: from the scholarship to travel through food or beauty.

To obtain cashback there are 4 steps to respect:

1️⃣ Registration on the cashback site or app

You notably have Widilo, Igraal, Poulpeo, Joko and EbuyClub. Do not hesitate to use a cashback comparator to help you find the best cashback.

2️⃣ Purchase on the merchant site

To take advantage of cashback advantages, you must either go directly through a dedicated site or application, or install a cashback extension. Then you just have to order on the partner site of the cashback service provider on which you registered.

3️⃣ Cashback validation

You receive an email from the partner to confirm that the cashback has been taken into account. Once the cashback has been validated, you receive the money on your kitty.

The period varies from one platform to another, which can go from 24 hours to several months. But do not worry, if you have followed the procedure correctly you will recover your money.

4️⃣ Use of cashback

Most sites require a minimum cashback amount before they can use it (often around € 15/20). When you have accumulated this amount required you will be able to recover your kitty in various ways.

But then how to recover your cashback ?

The largest cashback sites offer a payment account, others will offer you a payment via Paypal, or vouchers to spend them on online sales sites directly.

What is the best cashback ? Our advice for choosing the right !

The choice of best cashback will depend on your needs, preferences and available offers. However, here are some tips to help you choose the best cashback:

• Look for the diversity of partners.

Opt for a cashback platform that offers a wide range of partners, in particular popular electronic commerce sites, tour operators, online services, etc. The more partners there are, the more possibilities you have to obtain discounts on different types of purchases.

You can also subscribe to several cashback sites that are complementary. This will allow you a very wide choice of offers.

Compare cashback rates offered by different platforms for partners who interest you. Some platforms offer higher rates than others, It is therefore wise to search for those that offer you the best awards.

Check the payment options offered by the cashback platform. Some offer cash payments, or payments on your bank account or Paypal, while others offer gift cards, vouchers, or credits. Choose the cashback application that best suits your payment preferences.

• Consult reviews and assessments

Look for opinions and assessments on different cashback platforms to get an idea of ​​user experience. This can help you make an informed decision and avoid potential problems.

• Check the conditions of use

Read the conditions of use of the cashback platform carefully. Some may have minimum payment thresholds, restrictions on eligible purchase types or deadlines to obtain cashback discounts.

• Study additional features

Some cashback services offer additional features, like reduction coupons, price comparisons or budget management tools. If these features are important for you, take it into account when choosing.

The best cashback will be the one that will therefore best meet your personal needs, and which offers competitive rates, a large selection of partners and favorable conditions of use. Take the time to compare the different cashback platforms before making your decision.

What are the advantages and disadvantages of cashback ?

You dare not pass the course of cashback applications ? To help you do here are some advantages and disadvantages for users of cashback sites:

Benefits :

• Purchasing power : You can get money discounts, percentage discounts or rewards in the form of credits, which allows you to save money on your current expenses.

• Ease of use : cashback applications are generally easy to use. Just download the application, register and navigate through the available offers. Once you have made an eligible purchase, the cashback is automatically credited to your account. This makes the process simple and practical for users.

• Range of partners : Cashback applications collaborate with many popular brands and brands. This means that you have access to a wide range of partners where you can benefit from cashback. Whether you make online, store or even travel reservations, there is a good chance that you will find interesting offers via the application.

Disadvantages:

• Use limitations : Some cashback applications may have restrictions on eligible or premises where the cash back can be used. For example, certain offers may apply only in certain brands, or be used only on the Internet, or the payment can only be made in the form of vouchers. It is therefore important to read the conditions of use carefully to avoid disappointment.

• Reimbursement deadlines : in some cases, users of cashback applications can deal with fairly long reimbursement times. It can be frustrating, especially if you were counting on these immediate savings.

• Restriction of conditions of use : Some cashback applications may have specific requirements to be able to benefit from cash back. This may include restrictions on accepted payment methods, minimum expenditure thresholds, payment methods only in vouchers, etc. It is important to read the conditions of use of each offer carefully to ensure that you meet all requirements and not be taken upon the request for cashback.

It is important to note that the advantages and disadvantages may vary depending on the specific cashback application that you use. It is therefore recommended to take your preferences into account before choosing a cashback application, but also comparing cash back offers.

Which cashback site to choose ?

To help you make a comparison of cashback sites, Here is a presentation of the main market players:

What brands offer cashback ?

Many online commerce sites offer cashback, such as Cdiscount, baker, Fnac, Leroy Merlin, Booking, etc. Some of the most popular brands include major brands of electronic commerce, travel sites, supermarkets, fashion stores and many others. Cashback sites bring together these partners and allow you to benefit from discounts on your purchases from these brands.

What is the best cashback site ?

The best cashback site can vary depending on your needs and preferences. However, several cashback sites are well known and appreciated for their competitive offers, their extensive selection of partners and their ease of use. Among the best cashback sites we can cite Poulpeo, Joko, or Widilo and Igraal. It is recommended to compare features, cashback rates and user reviews to find the one that best suits your needs.

How to activate the cashback ?

To activate the cashback, you must follow a few simple steps:
– Create an account on the cashback site of your choice
– Look for the brand to which you want to make a purchase
– Click on the link provided by the cashback site to be redirected to the merchant’s website
– Do your purchase as usual, taking care not to navigate to other sites or to use promotional codes not provided by the cashback site
– Once your purchase is made, you will receive a notification indicating that the cashback has been recorded.

How to use cashback in store ?

To use the cashback in store, some cashback platforms offer specific options. For example, some cashback applications allow you to link a payment card to your account. When you make a store purchase with this bank card, the corresponding cashback is automatically credited to your account. It is important to consult the conditions of use of the cashback platform and to follow the specific instructions to take advantage of the cashback in store.

Bank card with cashback: comparison and ranking 2023

For the past ten years, cashback (literally “back of money”) has been developing in online and neobank banks, to the point of reaching traditional banks today such as LCL, Crédit Agricole or Society General.

➡️ But what is cashback and how can you enjoy it ? Answer in our selection of best bank cards with cashback ! ��

What is a credit card with cashback ?

✅ This is a payment card that allows you to earn money with each purchase, Whether in a merchant or online. You benefit from a partial and delayed refund ranging from 0.10% to 40% of the amount of the transaction.

➡️ This amount is directly credited to your bank account And you can spend it as you see fit. The cashback is therefore distinguished from traditional loyalty programs which offer only vouchers or gift cards in their own brands. ��

Bank card with cashback: our selection

✅ Today there are two main types of bank card with cashback:

• What is called the “real” cashback : a percentage of each card payment is returned directly to your bank account, between 0.10 % and 1.00 %.
• Partner cashback : The bank provides a list of partner merchants offering you a cashback that can go up to 40% !

➡️ We have therefore separated the establishments offering you real cashback bank cards and the others.

The “real” cards with cashback

Revolut Metal

• Price : € 13.90/month or € 139/year
• Ceiling : € 100,000/month
• MasterCard ~ Premier
• Speed

• Incommensurate
• Free payments abroad
• Free withdrawals abroad
• Insurance (good)
• Virtual card
• Cashback
• Cryptocurrency

10 € offered !

Bunq metal

• Price : From € 8.99 to € 17.99/month
• Ceiling : € 50,000/day
• MasterCard ~ Premier
• Debit / Credit

• Incommensurate
• Free payments in Europe
• Free withdrawals abroad
• Insurance (correct)
• Virtual card

1 month offered !

Binance

• Incommensurate
• Virtual card
• Cashback
• Cryptocurrency

Cards with Partners Cashback

Lydia+

• Price : from € 2 to € 4.90/month or € 49/year
• Ceiling : € 3,000/month
• Visa ~ Classic
• Speed

• Incommensurate
• Free payments abroad
• Free withdrawals abroad
• Virtual card
• Cashback
• Cryptocurrency

10 € + 1 month offered

Boursorama Ultim

• Price : Free under conditions
• Ceiling : € 2,500 to 20,000 €/month
• Visa ~ first
• Delayed flow / flow

• Incommensurate
• Free payments abroad
• Free withdrawals abroad
• Insurance (good)
• Cashback

100 € offered !

Bank cards with cashback in detail

➡️ Let’s start our overview of the best bank cards with cashback with those offering “real” cashback. ��

Real cards with cashback

Revolut Metal: a especially interesting cashback outside Europe

✅ The British Neobank Revolut offers the two types of cashback : “real” cashback available only via their metal card and a program of partner traders offering “rewards”:

• The Revolut Metal card reimburses you 0.1% of all your payments in the euro zone and 1% outside. Nevertheless the maximum amount of cashback is limited to the price of the metal subscription, i.e. € 13.99 per month.
• The Rewards program often changes partners (Adidas, Amazon, Nike, Samsung, Aliexpress, etc.) and can offer up to 30% discounts in the form of cashback.

Note that you can receive your cashback in more than 30 different currencies, in cryptocurrency and even in precious metals !

➡️ More information in our full review on Revolut.

10 € offered by Revolut

Bunq: cashback in restaurants, bars and public transport !

✅ Very close to Revolut in his approach, Bunq stands out for his account which plants trees each time you spend 100 €. Besides, Bunq is also accessible to minors.

And since September 1, 2023, Bunq has implemented a cashback system With its paid offers Easy Money and Easy Green.

➡️ Here is its operation:

• Easy Money: 1% cashback on restaurants and bars.
• Easy Green: 1% cashback on restaurants and bars + 2% cashback on public transport.
• Applicable to the Mastercard credit card (not with a debit à la carte).
• The cashback is paid each week, such as the interests of the savings account.
• 500 euros of cashback per year maximum.

1 month offered to try bunq

Binance card: cashback for crypto users

✅ The Binance bank card is undoubtedly the queen of cashback, if you are interested in cryptocurrencies ! Indeed, the reversed percentage is done in BNB, the cryptocurrency of Binance, and depends on the number of tokens detained (see. table below).

For example between 1 and 10 BNB you are entitled to 2% of cashback. And even without having a BNB in ​​your wallet, you benefit from the same cashback as Revolut Metal in Europe or 0.10%. Note that a BNB is between 250 € and 300 €.

✅ The Lydia application offers you two cashback systems:

• All paid users of Lydia benefit from automatic cashback up to 30% in partner merchants, For any payment made via the application or a Lydia card. We can cite major brands like Franprix, Burger King or Castorama, but the list is constantly evolving.
• We can also mention the Lydia scratch tickets, a sort of “Cashback based on luck” : If you are paid Lydia customers (Lydia+ or Black+), you have the option of scratching a ticket in order to be reimbursed with your Lydia, real or virtual cards.

➡️ More information in our full opinion on Lydia.

10 € and 1 month Lydia+ offered with the HEROS code

Boursorama: The Corner, the corner of good deals

✅ The Corner is the free fellowship reduction space, In which you will find the good plans of a large number of partner brands: discounts, cashback and vouchers.

Membership of the Premium Service in The Corner is free for all Boursorama customers, Whatever their cards : Welcome, Ultim or Ultim Metal.

Up to € 100 offered when opening a Boursorama account

How to benefit from cashback with a bank card ?

✅ To benefit from cashback, nothing could be simpler ! Just pay your purchases using your bank card.

�� Here’s how to take advantage of the cashback:

1. Make your shopping online or in stores.
2. Pay using your cashback card.
3. Receive the amount of cashback on your current account.
4. Use your cashback kitty for other purchases.

➡️ To benefit from cashback with your bank card, It is sometimes necessary to go through the cashback platform (site or application) Or make the purchase from a partner merchant. This is the case for example with the ” Rewards “Revolut or” The Corner »De Boursorama.

Advantages and disadvantages of cards with cashback

• Gain some purchasing power with each expense, without thinking about it.
• Profitable a paying bank account.
• More practical than a voucher usable in a single trader.

• A sometimes high monthly contribution to take advantage of it.
• Banking costs on payments and/or withdrawals if we exceed the limits.
• Sometimes “hidden” costs: commissions in the event of an incident on the account, agios, paid withdrawals ..

Find the cards with cashback in our selection of the best online or neobank banks.

Conclusion: Cards with cashback, why deprive themselves of it ?

✅ Cashback is an appreciable bonus to make the price of the card profitable or save money. Nevertheless, do not choose a card for your cashback but especially a bank according to its needs.

➡️ What bank card with cashback to choose ?

• If you make a lot of payments outside Europe : Revolut Metal
• For crypto investors : the Binance card
• The best free card with cashback : Boursorama Ultim
• One of the best black cards with cashback : Lydia Black+
• If you have ecological fiber : bunq

Faq

Where to find a bank card with cashback ?

Even if the cashback is especially responded to neobancs and online banks, it is also possible to find cashback with a large French bank such as LCL, Société Générale or Crédit Agricole.

Do traditional banks offer cashback ?

Yes ! LCL, Société Générale and Crédit Agricole offer you cashback with partner traders, with some of their cards. But if you are lucky to have a prestigious black bank card like the World Elite de Mastercard or the Infinite visa, you also benefit from the reductions offered by these high -end means of payment.

Revolut or Lydia ?

To choose the most suitable, consult our comparison: Revolut vs Lydia: our 2022 comparison

How do your bank card work ?

Antoine was heritage advisor and private banker before joining Finance heroes. He puts his service and his experience in the banking environment at your service.

Comments

Good morning,
The Binance card holding 10 token only offers 25 euros per month instead of 150

Good morning,
Indeed, thank you, I updated the reward table.

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Cashback: how it works and how to take advantage of it via banks, sites and applications ?

Gradually appeared in France, the cashback gradually becomes common use in France allowing to gain commissions accumulates with each purchase by card in store or on the Internet. We explain how it all works and what are the best banks and applications to take advantage of it.

By opening an account in an online bank or a neobank or simply via certain advertising campaigns, you have undoubtedly already fallen into the term ” cashback“” . Literally translated from English, it means “money back”. Originally, this principle was first of all a way to obtain money via a card purchase from a merchant. It has become a major commercial argument today allowing holders of a compatible bank card to recover a percentage of the amount of expenses they make with.

If this feature was initially reserved for credit cards, cashback programs are today also present via certain debit cards, which are the most widespread bank cards in France. But it is especially on the side of applications that the phenomenon has developed in recent years and the business around continues to increase.

Cashback, how it works and what are these advantages ?

On the banks side, the cashback is based on a partnership between establishments and card issuing companies (visa, mastercard, etc.)). When a customer makes a card payment, the merchant transfers a certain percentage to the company. This can then decide to share a game with its customers. Cashback is very advantageous for customers opening an account with certain banks, as they can save money on their purchases. For the most diligent and receptive to this system, it is possible to pocket a small jackpot at the end of the month, but this requires organization and making choices in its consumption habits.

Admittedly, the cashback being often obtained on purchases that customers would have made anyway, it generally saves money. On the banking side, the disadvantage of certain establishments or companies issuing credit card is that the cashback is accompanied by high interest rates and hidden costs. It is therefore necessary to carry out a watch in neobanque banks directly practicing this type of product without intermediaries.

But the other area in which the cashback also has its place is in the application field. There are dozens of applications to obtain discounts on purchases via partnerships with physical or online brands.

All these applications are free and offer the same principle: you choose the shop of your choice, you make your purchase, and the percentage money is automatically paid on a kitty, in the app. At any time, you can recover the amount of the prize pool directly from your bank account. On average, offers are around 5 % of the amount of your purchase, but it can go up to 40 % punctually during special operations or private sales. We therefore quickly understand the Business Model of these applications which through these partnerships and these purchases can accumulate data to be resells and money via affiliation.

What are the banks that directly offer a cashback program ?

We have tested many online and neobanc banks in our dedicated comparator. If all do not offer a cashback program directly, others have greatly skipped the plunge. Here is Our top 3 Among the 3 types of banks in our comparator.

Balance Bank

At the end of 2020, in order to respond to new banking uses, Boursorama Banque launched a cashback platform called The Corner, allowing its customers to obtain discounts, vouchers and cashback from many brands such as Amazon, La Redoute, Shein, Cdiscount or Zalando and Ikea.

This service is directly accessible from the Boursorama Banque application. Very practical to have a follow -up of its orders from the savings made. It is also a peculiarity of Boursorama, where other banks use external platforms, making this use less convenient.

SG

Even if Boursorama Banque is a subsidiary of the SG, the latter offers its own system of cashback and not via partnership with certain specialized sites. Concretely, by registering for the program, it is possible to benefit from deferred reimbursements on purchases made via partner signs, and there are more than 800. Unfortunately, everything is not yet accessible via the application and it will often be asked to go directly to the bank’s website to find the compatible brands.

VIVID Money

This is an aspect on which Vivid is putting a lot. From the outset, once your account has been created in the first seconds of access to the application, VIVID strongly encourages you to go through the “reward” tab which therefore corresponds to the famous system allowing to accumulate money as And as you purchases, in store or online. Inevitably, the gains will be more important (often from single to double) if you opt for a prime account. There are even “super deals” to unlock by inviting his friends with reimbursements in cashback up to 30 %. From the outset, we notice that Vivid highlights the brands and services with which he is in partnership, whether on the side of fast food, fashion, cosmetics or transport.

It is even possible to directly search for a hotel or rent a car from the application and get the cashback corresponding. Even Instagram is used since the prime accounts can unlock up to 20 % of cashback On a selection of services and brands simply by promoting it on the social network. Clearly, we have rarely seen a neobanque bet as much on this aspect.