It might be smart to time your spending � like the purchase of a new computer � to align with a card whose cash back rewards are about to rotate into an electronics category. Yes, N26 offers 0. What to read next. Table of contents What is cash back?
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Read MorePopular cash back sites include:. Cash back is not cash in your hand at the point of purchase like you can get with a debit card. However, if you carry a balance on your cards, you are likely to pay more in monthly interest than what you earn in rewards. If you're a hands-on person who likes to take advantage of credit card benefits , look for a card that offers bonus cash back on particular categories, which typically rotate each quarter. The rewards will accumulate in different accounts.