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Flat-rate or bonus categories, how cash back is paid out, and which pattern of spending each type rewards.

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Flat-rate vs category cash back cards: which earns more?

Flat-rate cards pay one rate on everything; category cards pay more in a few places. Example math shows which wins for different spending patterns.

Cash back cards, November 3, 2026

How cash back is paid out and redeemed, from credits to taxes
Statement credit or deposit? Minimums, expiration rules and what happens at account closure, plus how cash back is generally treated at tax time.
5 min read