How a card with cashback works. Cashback: what is it in simple words, how to use it and what services are there? Banks issuing cards with cashback

About the organization of the modern trading industry, they use similar programs to attract clients. These include various discount and refund schemes. Let's talk about what cashback is and how it is attractive to a customer.

The term cashback is used to refer to a bonus program for refunding cash spent by a customer.

It is used in popular finance areas:

• In retail and online stores, as a deferred discount given to the customer after the expiration of the return period. Funds can be withdrawn through the personal account of the cashback service. Increases demand for goods and customer loyalty;
• In the banking sector - a refund to the card spent on purchases in partner stores of the bank. Encourages the client to use a plastic card and not withdraw cash;
• In the gambling business - stimulating the player by calculating bonuses for active play;
• In the hotel business - a return of interest on the amount spent on payment of accommodation. Funds are returned to the client's personal account, even if the number was paid for by another person, for example, an employer

How it works?

Cashback differs from regular discounts in a number of ways:

1. The goods are paid for at the retail price declared by the seller at the time of purchase. At the same time, the cost is formed taking into account any promotions and discounts and does not depend on the availability of a refund.

2. The refund is made not by the seller, but by a third party - the affiliate, who undertakes to ensure the flow of customers to the store under the contract.

Important! The scheme and the amount of the return is determined not by the seller, but by the affiliate, as the source of payments.

3. The affiliate pays a refund of the commissions received from the store for each customer.

Thus, there are three parties involved in the cashback scheme. But the presence of an intermediary is beneficial to the buyer.

How to use cashback?

Despite the variety of proposed cache schemes, buyers usually use the most common ones:

1. By credit card. In this case, the bank acts as an affiliate. Refunds are provided only for expenses from the account of the card to which the service is connected.
2. Through an Internet service specializing in cashback payments. The buyer can pay in any way provided by the seller.

The first method is more popular, because in most cases, the service is automatically connected to the card.

Cashback in banking programs

The cashback bonus system is used by most of the country's major banks. More often than not, it is included in the functionality of debit and institution. But the conditions for using the privilege are different for everyone. Here is how some large banks of the Russian Federation work with the program:

Cards	Cashback conditions	Accrual
Sberbank
When the "Thank you" program is connected, cashback is valid for all cards of the holder	Tariffs apply: · Refund of half a percent with bonuses for purchases paid with a card. · Up to 20% for spending in partner stores. At the same time, the amount of monthly expenses on cards must be at least 5,000 rubles, and this figure must be at least 30% of all customer expenses, including cash withdrawals.	The user's account accumulates bonuses that cannot be withdrawn and cashed out, but can be exchanged for a discount in partner stores of the bank. Recently, an option has appeared that allows you to convert the accumulated points into rubles and credited to the card account.
Tinkoff
Credit	Cashback is personalized. The bank establishes the categories of expenses subject to return, the list of which changes every four months.	Bonuses are converted into rubles, which are credited to the card account.
Debit	With a free debit card, customers receive personalized offers that can be refunded up to half the amount. Usually, these are expenses in specific retail outlets. The list of stores is indicated in the virtual office of Tinkoffbank's Cashback.
All Airlines Debit Card	Provides an opportunity to save travelers. 10% refund on hotel and transport bookings, 5% on ticket purchases and 2% on regular purchases. Special offers for this card are available in the user's personal account.
VTB
Debit Multicard and Credit Cards	· For purchases in the preferential category "Auto" and "Restaurants" the following rates: for spending from 75,000 rubles - 10% refund. Expenses in the amount of 15,000 to 75,000 rubles are reimbursed at a rate of 5%. Cashback for other purchases in this category is 2%. · Spends classified in the general category have a cashback of 1 to 2%.	The money is credited to the card account.
Alfa Bank
Gas station map	Reimbursement of 10% of expenses for gas stations.	Refunds are credited in the form of perpetual points that can be used to offset the full value of the next purchase.
ALFA BANK card - NEXT	5% on spending in catering establishments.
Alfa Bank - Crossroads card	Purchases at Perekrestok supermarkets paid with a card are refunded in the amount of 3% of the cost.
Alfa Bank card - RZD Bonus	Plastic allows travelers to accumulate points by paying for train tickets.
Regular debit and credit with a limit of up to 50,000 rubles	Purchases are refunded in the amount of 1% on debit card and 2% on credit.

As you can see, charging cash for using a card is a common policy of a large bank. Despite the variety of conditions, the return scheme is identical.

Professional help

Do you have clarifying questions about the text of the article? Ask them in the comments!

Cashback - services

Many online services that specialize in mediation between the seller and the buyer attract the user with a cashback system. The scheme of operation of such sites is simple: they conclude an agreement with an online store, and offer the buyer to make a deal through the service, and not directly with the seller.

For clients, such an offer is very beneficial because:

• The mediator provides structured information. You can compare prices from different sellers, choose a product according to certain parameters, etc.
• Part of the money spent is returned to the account. They can be withdrawn through the personal account of the service to a phone account, card, wallet, etc.

The user has the opportunity to choose the best cashback service working with a particular store and get a refund, or compare several offers from different sellers through one resource and get not only cash, but also save money. The most popular Russian services:

Resource	Features:	Return conditions
Letyshops	· Cooperates not only with Russian stores, but also with partners from neighboring countries; · To accrue a refund, in the process of making a deal with the seller, the user must follow the instructions. If this condition is violated, cashback will be canceled; · Average rate - 3%. The exact percentage depends on the store. There is an opportunity to purchase premium status, which increases the cash by 2%.	· You can withdraw an amount from 500 rubles to a bank card of a Russian or Ukrainian bank. · The service works only with the ruble currency.
Сash4brands	· Refund from 5%. The rate increases in proportion to the number of purchases.	· Withdrawal is possible to all popular payment systems; · When transferring to a bank card or VKontakte account, the minimum wage is 500 rubles; · You can send an amount from 15 rubles to a mobile account; · Any amount is transferred to the electronic wallet.
Epn	· Works only with some major online stores; · The user can get a refund in the amount of 4.5% to 15%; · There is an affiliate program in which a user gets 30% of his cache for an attracted friend; · Double refund for a special promotional code; · There are special offers, the return on which is equal to 90%.	· You can withdraw from 20 cents immediately after order registration; · The service works with all wallets, bank cards, telecom operators; · The money is credited to the account immediately.
Megabonus	· Works only with Aliexpress; · Rate from 9% on the first purchase and from 4% on the rest; · On mobile phones the cash is lower: on the first purchase of a phone from 4% and from 2% for the following transactions; · To register, you need to install the extension on the device.	· Without commission, you can withdraw money to WebMoney and Yandex; · Transfer to a bank card or account is subject to a commission from 2 to 4%; · The minimum withdrawal amount is one and a half dollars.
Biglion	· Differs in the highest percentage of return - from 10%; · Each new user receives 500 bonuses as a gift; · In the case of a major transaction (purchase of furniture, travel), you can return from 2,000 to 5,000 rubles; · The site pays the user 300 rubles for referring friends;	· In your personal account, you can see all the information about charges for each purchase. There is also indicated the period during which the money will be credited to the balance after the order is confirmed; · The accumulated funds are withdrawn to the account of the payment system, or formed into a coupon, which is allowed to pay for the next order.
MTS Cashback	· Despite the fact that the service operates under the supervision of a telecom operator, the user can receive a cache not only for purchasing goods in MTS, but also in a third-party store. The company has an impressive list of partners; · Not only subscribers of the operator, but also other users can register a personal account on the site; · The rate depends on the store.	· MTS subscribers are informed about the cache accrual via SMS. In addition, this information can be found in your personal account on the website; · Funds cannot be cashed, but can be spent on cellular communications or purchases in the operator's salon.

As you can see, the network contains a wide variety of resources with which you can return the funds spent in the online store. The conditions for granting returns are quite different, but any of the offers is more profitable than buying the product directly from the seller.

Benefits and dangers of cashback

It is beneficial for everyone to use cashback, given the features of the service. If you know some tricks and do not stumble upon the pitfalls of existing stones, you can get back a significant part of the money spent.

Life hacks

Good to know that:

• The Bank determines the status of a retail outlet (cafe, restaurant, clothing store, etc.) by the MCC code assigned to it. Before making large purchases with the expectation of a refund, you should check this moment in advance, because the cache depends on the category of goods. Such information is publicly available on the web;
• If you pay for a purchase in an online store through a cashback service and using a bank card, you can get a double refund from different affiliates;
• Usually, outlets give their customers discount cards with a barcode for return. In order not to get confused by a large amount of plastic in your wallet, you can download a mobile application and upload all the information there. It is very comfortable;
• Having thought about which cashback to choose, it is better to give preference to a service that pays a refund with money, rather than points. The latter often have limitations in use, shelf life;
• Sometimes affiliates arrange lucrative promotions with large cash, which last a limited amount of time and cover certain categories of products. In order not to miss such an offer, you can use a service that collects information on different sites;
• You should not get different cards, hoping to get a refund for each of them. Annual maintenance of plastic can negate the benefits. It is wiser to use one of the most profitable programs. In addition, some banks do not charge for servicing the card if the spending on it reaches a certain amount;
• If you do not use cash at all, you can get significant benefits

How else can you save:

• The best card with cashback in 2019 is a credit card. It is better to use it during the interest-free period. So the cache will be higher. And the salary can be kept intact on a debit card or in a deposit account with interest on the balance. At the end of the grace days, you just need to replenish your credit card from your salary card;
• If the purchase is returned to the store, you can save the accrued bonus if you receive funds in cash or transfer to a card of another bank

Thanks to these tricks in cashless payment systems, you can spend much less personal funds.

What are the pitfalls

It is worth remembering that services and banks offer a variety of cashback schemes in order to increase sales and your own profits. At the same time, the client runs the risk of spending more funds than planned. Therefore, you need to be careful with this saving option.

Recently, the word that came to us from the English language, namely "cash back / cashback", which literally means "money back", has been heard more and more often. Let's take a closer look at what cashback is, to whom and what money is returned.

Most often, cashback is used in the areas of online commerce, banking or gambling. This is one of the varieties of a kind of bonus program that attracts new customers and gains the loyalty of those who have already used the product. Some companies, having abandoned advertising costs, have completely switched to this format and build the basis of their business on it.

An example of such a company can be safely called Energy Diet (NL), which distributes functional food products in powders, cosmetics and other household goods. How it works? Everyone who wants to buy NL products must go through a simple registration and get their own personal ID, by which they can purchase the goods they need. Then he can bring more people, recommending this store to them, and get the same cashback on his own. In addition, the interest is refunded from personal purchases. The benefits are obvious!

The theory is based on the fact that in everyday life we \u200b\u200boften recommend to our friends where to buy that beautiful dress or find tights that will never tear, but the store to which we so happily pointed out does not pay us money for it. If we agree to the terms of the company, whose services include monetary rewards for its clients, then it becomes very profitable for us to give recommendations.

How is this system different from a simple discount or bonus points program? Upon reaching a certain amount (depending on the company with which the contract is concluded), you can withdraw funds to your card or wallet, which means you can spend money on the purchase you need in any other store. Thus, marketers came up with the idea of \u200b\u200bmonetizing word of mouth, which is known to be one of the most effective ways to promote products. According to numerous studies, the recommendations of acquaintances are much more readily believed than the most beautiful advertising campaigns with guest stars of film and television.

Cashback in simple words

The "cashback" refundable system of funds is quite widespread not only for purchases in online stores, but also when using bank payment cards. Why do such giants as Sberbank or Tinkoff-Bank need this, why don't they keep the money for themselves? Could it be that this is just another "free cheese" with which they lure us on obviously unfavorable terms?

In fact, this is a pretty good deal. One of the main goals of any company is to sell the product it produces, or the service it provides. However, discounts have already become boring, you will not surprise anyone with promotions, and bright advertising on banners or on TV does not pay off very soon. That is why more and more businessmen come to the conclusion that it is cashback that provides a tangible influx of customers and more opportunities to express themselves.

From the point of view of simple calculation, there is not much difference in buying an item at a lower price or getting a refund on its purchase. However, psychologically it is much more attractive and can be positioned as some kind of income from purchases and recommendations. Moreover, stores that cooperate with banks under the "cashback" program pay a certain percentage, which just covers the cost of returning the money to the client. As a result, the bank has money, the store performs the required volume of sales, and the client is satisfied with how profitably he was able to purchase a washing machine or a gold chain. Everything is in the black!

How to use cashback profitably:

1. Carefully study the popular offers from various banks that use this system. They all offer a different percentage, the main thing is to choose the most acceptable option.
2. Preliminary study the stores with which the bank of your choice cooperates. Usually this information is indicated on the official website in the public domain. If among them there are no those where you usually go, or they are not represented in your region, then you do not need to issue a card.
3. Some banks change the percentage of purchases depending on the season, month or promotion. Keep track of this information so as not to get trapped. The most convenient way would be to download a mobile application or subscribe to an email / SMS newsletter to always be aware of the latest events.
4. Consider the cost of servicing your card. Sometimes your expenses for its maintenance cannot be covered by any cashback.
5. Please note whether you are offered real money or points. Choose the option that suits you best.
6. You can issue a refund service both on debit and on cards. The latter usually offer more favorable terms.

Review of popular maps

One of the striking examples of bank cards with the "cashback" function is the "" card.

It provides an opportunity for a refund of 10% of refueling, about 5% for catering establishments and much more. More detailed information can be found here: https://alfabank.ru/offer/moscow/list/. There are also various types of cards that are suitable for different segments of the population:

• youth card "Next" - gives advantages to purchases in cafes / restaurants, cinemas and the Burger King chain;
• perekrestok card - allows you to get a refund for the purchase of food in the Perekrestok supermarket chain, a great option for housewives and young mothers;
• the "Russian Railways" card - as the name implies, it allows you to accumulate points and pay for tickets for travel by rail and travel in electric trains - great for those who often travel on business trips.

The Russian Standard Platinum card is considered one of the most advantageous among competitors. Its main characteristics:

The Sberbank program is also gaining popularity. With the help of bonuses, you can significantly save on purchases, for example, dishes, gadgets and other goods presented in partnership with the bank.

A very easy-to-use installment credit card from SovComBank. You can use it to purchase goods-partners of the bank with interest-free installments up to 12 months, as well as get a cashback of about 1.5%. Not a bad choice, provided that the service of this card is absolutely free.

Cashback in online stores

What other ways are there to get a refund on the card from the purchase? You can use the services of online stores. With the development of delivery services and social networks, ordering goods at home is becoming more common. This is very convenient for those who are tired of long walks in malls, crowds of people, or who do not have enough time to buy a perfume or cardigan. Thus, online store chains have also connected to the “cashback” service and are actively offering it to their customers.

One of the most commonly used refund sites is Aliexpress. A Chinese resource that offers all kinds of goods for a penny: from a vacuum cleaner to slippers. It is worth noting that Ali himself does not provide the opportunity to receive a refund, however, experienced Internet users have gotten used to using specialized plugins that actively provide information about the percentage of a particular online store that is open in the browser and make it possible to activate it.

It is quite convenient to use online money back services. The most popular of them are:

Is there any benefit from using the cashback service? Undoubtedly, yes. Especially if you are a fan of ordering beautiful clothes or a rare disc of your favorite band. Does it help with household needs? Most often, the return is not particularly noticeable, but any saved ruble is already a pleasure. And if you choose whether to use money-back services or not, then most people will obviously prefer the first option.

In contact with

* subject to certain conditions (see map details)

Bookmark this article and you will always have a guide to bank cards at hand. This article is regularly updated, because banks are constantly updating their offers, improving the conditions for tariffs and even offering to earn money. Stay up to date! If you notice any information that is not relevant here, please write about it in the comments.

The best bank cards with cashback at a profit!
Rating of cards with cashback 2019 with% - quick transition to the necessary sections: ⇓

TOP 1. HOME CREDIT: READ DETAILS - cards with cashback from 10 percent on the balance.

TOP 2. TINKOFF: READ DETAILS - the best cards with cashback from 14 years old, with bonuses, gifts, interest.

TOP 3. ROKETBANK: READ DETAILS - free, innovative cashback card - cashback card from 14 years old - gift card.

TOP 4. ALFA-BANK: READ DETAILS - cashback cards - cashback cards with a gift of 100 days without% / 10% at the gas station

TOP 5. ROSBANK: READ DETAILS - profitable cards, cashback is the most profitable

TOP 6. OpenCard: READ DETAILS — debit, credit with free service and high cashback 6% return on everything!

Top 7 ... Other cards with cashback 2019 and installment cards.

AND THE MOST INTERESTING DETAILS ABOUT THE ABOVE - READ BELOW ⇓

AND REMEMBER: Making orders using the links from our website, you will receive all the promised bonuses and gifts! By ordering not using the site's referral links, you do not receive upcoming bonuses, benefits, discounts, free service, etc.

THE MOST ADVANTAGEOUS BEST CARDS WITH GIFT CASHBACK
Review, rating, comparison 2019 - where the cashback card is more profitable - a cashback card with gifts, bonuses, interest.

TOP 1."USE" is a powerful card with cashback, with interest ...

Best offer and buy with the most profitable cashback FROM HOME CREDIT

Home Credit Bank, at the moment, owns leading positions in the market, financial platform of Russia. For some, cashback cards - cards from HOME CREDIT are the most profitable option for purchases.

CASHBACK MAP "BENEFIT" — a card with cashback and interest is the best that Home Credit offers.

"USE" (formerly "Space") from the category « free cards with cashback ... With this debit card you have the opportunity to receive:

• a higher percentage - 7% per annum on the balance of the card, this is provided that purchases are made in the amount of at least 5000 rubles per month.

• 15% on the card cash back on purchases in the "Pharmacy" category
• 10% cashback on purchases in the "Gas station" category
• 3% on purchases in the categories "Cafe" in the additional categories "Baby Products", "Clothes", "Home and Repair", "Entertainment", "Health and Beauty", "Electronics", "Pets"
• 1% on any purchases
• There are other cosmic privileges of this card, which you can read about at the link below ⇓

Recently, on the POSITIVE card, in some categories, they began to consistently charge 10% on cash back cards. Points on this card are easily converted into rubles in the Internet bank. In the 1st year after the registration of the card, its service will be absolutely free , without fulfilling any conditions. And in subsequent years it is also free, but already if at least one of two conditions is met:

• If your irreducible daily balance is from RUB 10,000,
• If purchases from the card are worth at least 5,000 rubles per month.

If these conditions are not met, the service fee is 99 rubles per month.
All your money on the card will be insured by the state.

CARD "Benefit", PARTNERS, TERMS

Do you still have doubts that this is the best card with cashback to date? Then study ⇒ ⇐

TOP 2. The best cards with cashback from Tinkoff:

a) Tinkoff debit card with cashback and interest - Tinkoff Black

IN TINCOFF BANK very wonderful conditions on the card are offered. Besides many other benefits TinkoffBlack, that's it — Tinkoff debit card with cashback from 14 years old and with% on the balance.
Cashback the most profitable on the card will be much more in certain stores, up to 30%. Plus, for the remaining finances accrued 6% if you make purchases for at least 3000 rubles. for the billing period (month).

We have already written on our website how if you open TINKOFF Black and Tinkoff Platinum. Also, having TINKOFF Black, you can on you by making the right investment. It is much more profitable than a bank deposit.

Debit Tinkoff card with cashback - BLACK allows you to withdraw cash:

√ inany ATMs in the world;
√ without a single percent if you rent at least 3000 rubles;
√ transfers to accounts of third-party banks, absolutely free
√ + monthly transfers up to 20,000 rubles. to any cards of the same third-party banks, including other countries.

Another plus to order now Tinkoff Black, you get free servicefor a quarter of a yearif you register using a link from this site.

Well, if your card later has more than 30,000 rubles, as an irreducible balance, then service of this card cashback: cards with a gift will ALWAYS completely free .

Checkout Black for free

Cashback gift card from 14 years old - Tinkoff Black cashback card is now in great demand. Why we mark Black as a gift, because she carries a lot of gifts with her, read about it below.

Secrets that are not advised to tell bank representatives.
Not many people know that BLACK has a tariff: name - 6.2 - completely free, without conditions. He, of course, and without interest. At this rate, the balance is up to 10,000 rubles. interest is not charged, however, if you wish, you can open a savings account of 6% per annum. The rest of the goodies are unchanged. You need to disable paid SMS notifications yourself, and then everything will always be free. You can switch to tariff 6.2 after ordering a Black cashback card (the button above ⇑), via chat in the application or by calling.

Another advantage of Tinkoff Bank is that you you do not need to go or go to the bank to receive your cards, as a bank representative (courier) will deliver it to you wherever you want: home, to the place of work, a place of rest at the most convenient time for you.

Now, let's recall the nice gifts:

The courier, together with the ordered cards, will give you a very convenient, reliable case, in which you can easily put up to 8 cards:

So, you can easily free order Black card , which the courier will bring and, upon receiving, test it. If you don't like something (which we strongly doubt), then you can close the card without any losses or transfer to an absolutely free tariff 6.2. which was mentioned above.

All your money in Tinkoff Bank is insured by the state.

If you do not have enough information to order a Tinkoff Black card, then about learn more about Tinkoff Black's best terms with this article ⇓ press the button

The Tinkoff Black card, in addition to cashback for various purchases from 1 to 20 percent, also gives the possibility of several types of income.

Tinkoff bank also has a lot of different profitable offers for example profitable loan cashback cards - cashback cards and for those who regularly buy by bank transfer, for those who fly often, use the services of a gas station ... In general, see below. ⇓

c) Card with cashback with Tinkoff Platinum

Tinkoff credit cash back card has low interest from 12.9% per annum and inexpensive card service - 590 rubles. in year. Simply by making purchases with the card, you get cash back tinkoff cards up to 30% in points (accrued automatically).

In your online bank, you can easily select the “write off points” operation and exchange for rubles - 1 point \u003d 1 rub.

A free card with cashback from Tinkoff, like all other products of this bank, you delivered free of charge, via courier , to the place of delivery specified by you - wherever your heart desires.
See detailed information on bonuses and other conditions on the official page of Tinkoff Bank here⇓⇓⇓

⇓ Credit cash back card ⇓

r ) Debit card, credit card with cashback - Tinkoff Drive

If you are a driver, be sure to consider this offer:

Order Tinkoff Drive ⇒ DEBIT CARD with cashback for motorists⇐ by referral link 500 points to your account

Order Tinkoff Drive ⇒ Order Tinkoff Drive ⇒ CREDIT CARD cashback is the most profitable for drivers ⇐ order by link 1000 points to your account.

If you are a driver, then ⇒The best cashback cards are cards ⇐ from it you will find out which card with cashback at the gas station is the best.

f) Other income products of Tinkoff Bank:

Go to product selection
TINKOFF BANK

• • ALL Airlines credit card (the most profitable cashback 1000 miles upon registration);
    

• • ALL Airlines - debit (cashback 500 miles at check-in);

• • ALL Games DEBIT cashback CARD (500 points to your account);
  • ALL Games (cashback 1000 points);

• • Tinkoff Mobile (doubling minutes and gigabytes)

• • Smart Contribution. DEPOSIT (0.5% you get from the deposit one time)

• Profitable mortgage and insurance (5% the most profitable cashback in the Home / renovation category for six months; your 10% discount)

Some are afraid of credit cards and prefer debit cards more, but did you know that credit cards with cashback are very useful and profitable when you do not miss the main thing, use them wisely, and know about the interest-free period. ⇓

TOP 3. Grandiose to ashback card ROCKETBANK

Have you already heard about the innovative ROKETBANK? - this is, in a way, a branch of the Kiwi Bank (formerly Otkritie Bank) operates under its cover.

More than a year ago, several of our readers wrote to us in the comments of the article - :
“It's a pity that there is no cashback card in this list: Rocketbank cards with free service, large cashback and interest on the balance from 5.5%! With very kind and prompt technical support. I have been using it for more than a year and am very satisfied. It is not necessary to buy for any amount per month in order to receive interest on the balance, as Tinkoff Black has it "

• cashback card, which can be obtained at the age of 14;
• absolutely free service for everyone;
• 5.5% per annum on the balance of funds on the map;
• 10% the most profitable cashback when shopping in your favorite places;
• free delivery by courier;
  
• free cash withdrawals at any ATM (unlimited at the salary rate);
  
• free transfers to Rocketbank cards, and up to 30,000 to cards of other banks. And also up to 1 million rubles of free transfers by requisites;
• a bonus of 500 rubles to the account when registering using a friend's link;
• everything is insured by the state!

Rocket is releasing a card that can be obtained at the age of 14! You just need, in addition to a passport, some more documents:

1. a photo of the parent's main spread, who may also be at the card receipt meeting;
2. pages with information about children from the same place;
3. birth certificate of the child.

And according to Tinkoff Black (which was described a little above), from the age of 14, only a teenager's passport is needed.

Attention! By ordering the card using the links from our website, replenish it within a month for 2000 rubles, then you are guaranteed to receive all the advantages and bonuses listed above!

Indeed, this card currently provides very favorable conditions, see for yourself.

Rocketbank card order

Having accumulated more than 3000 rocket rubles from purchases with a card and purchasing any product in any store, you can return the money in your personal account, compensating for the expense with rocket rubles, so the goods will come out to you for free. For example (see the picture), they made a purchase for 3481 rubles. go to the Menu-Rocketrubles and compensate. A few seconds and the money is back in your account!

Here is such a cool cashback accumulation system for this amazing cashback card. You get 1% cashback with rocket rubles and from payment for the phone, utilities, etc. And by choosing from three favorite places to shop, get in them 10% the most profitable cashback , for example, Russian Railways, McDonald's, Magnit, Ayherb and various online stores, etc.
Transfers to the card to friends quickly and free.

Cashback card from 14 years old to home, free of charge, without going to the office:

⇓ ORDER / TERMS OF ROCKETBANK CARD online ⇓

TOP 4. ALFA-BANK - cards with cashback for motorists, cafes, restaurants

« ALFA BANK» Is a bank with a very wide variety of cards, both debit and credit. Many options for people who make frequent purchases, trips and flights, including a profitable cashback for everything from purchases at gas stations.

a) Alfa Bank card with cashback "Cash Back CARD"- the most profitable solution for drivers

Pay attention to the conditions Cash Back CARDS - cards with cashback for fuel very profitable. With this card (credit or debit), you may be eligible for a refund of up to 10% cashback is the most profitable at gas stations - for everything you buy at a gas station - this is the highest return among cards if you take all cards with cashback.

Therefore, if you travel by car, like to often make trips to cafes and restaurants, then the proposed card will just be a win-win option for you, so Alfa Bank offers you to return also 5% in cafes and restaurants literally every month! Plus free transfers to cards of any other banks.

And in general, if you are constantly on the road, and even at the expense of the company where you work, then such a card will be very beneficial for you! ⇓⇓⇓ Credit card:

In addition, with this card you can get up to 7% with the funds that remained on the card anddiscounts up to 15% around the globe, which will more than cover her service. Do not forget that the card can only be linked to a current account in rubles. Credit limit up to 500,000 rubles without a single% up to 60 days. Benefit on the face!

Alfa bank debit card with cashback for drivers:

Also with all the above advantages, but without credit limit up to 500,000 rubles. with a 60 day grace period. ⇓

⇓ Card with cashback Alfa Bank: "Cash Back" - details ⇓

Debit "Alfa-Card" is a cashback card up to 3% and up to 7%
per annum for the remainder

An innovative universal card with advanced features, the longer you keep the money on the account, the higher the% per annum and cashback, it is free in serviceif the conditions are met. Think, if yours, then take it! Fill out the application, a representative operator will contact you, you can clarify all the details with him, and click on the office. the link will open a questionnaire for you, filling it out online, you can get this card very soon ⇓

ORDER / ALPHA CARD DETAILS

b) Credit Alfa bank card with cashback "100 DAYS WITHOUT%" with cash withdrawal

The next heroine credit card from Alfa Bank "100 DAYS WITHOUT%". With it, you can not only make purchases, but also withdraw cash during as much 100 days without a single%!

"100 days WITHOUT%" (details)

In fact, not many banks provide such an interest-free period, mostly for most banks it is up to 60 days. And another miracle! From this card you can withdraw without interest, commissions and penalties. Delivery of the card is free and can be done directly to your home or to any other place convenient for you.

Just great deals, especially if you use these cards within 100 days of the grace period!

There are other secrets of such cards with a super-long grace period, you can really make money with them, read about it

TOP 5. Profitable cashback cards, cards FROM ROSBANK

The benefits of this debit card with cashback are on your face, as you will receive:

• 6% on the balance of funds;
  
• Up to 10% cashback;
• 7% for pleasant purchases all the time;
• Get a profit of 60,000 rubles per year;
• cash withdrawal without commissions ...

CREDIT TERMS ALL FROM Rosbank

Another profitable debit card RZD ROSBANK — 500 greeting points, 5% on a savings account, 1 point-30 rubles.
For other advantages and details and the score on the points calculator, see the link on the official page of Rosbank - SEE DETAILS .

TOP 6. Amazingly - profitable cashback card Opencard - offer from Otkritie bank

Since we are talking about the OTKRITIE bank above, we invite you to get acquainted with Opencard - free debit card that this bank offers. It is interesting in that it gives:

• 3% is the most profitablecashback for everything;
• free service;

no commission at any ATMs for cash withdrawals;

• by issuing a card using a link from this site, you will receive 500 rubles to your account(this money will appear on your account within 30 days after the first purchase with a card in the amount of at least 500 rubles)
• Free transfers to any bank cards;
• Payment for utilities without commissions.
• The courier brings the card home.

In addition to a debit card, Otkritie Bank offers a very advantageous credit card with free service:

• 6% - the most profitable cashback for all purchases;
• Free card service;

For more information, click on the button link below and choose either a debit or a credit cashback card:

Virtual credit:

Lightning-fast released, virtual credit card Kvikurelease in 30 sec. without visiting the bank. ANDnketa in 6 fields and credit limit up to 200,000 rubles. with no% period up to 50 days, make any purchases.

⇒VIRTUAL CREDIT "KVIKU ⇐

Cashback of purchases on the Kviku card reaches up to 30%.

Which credit / debit card with cashback with advantages is better to choose, decide for yourself from the information above 👆 and below 👇. There are cards with increased cashback in certain categories; there are also optimal cards, on which cashback is charged for all purchases, plus you can choose an increased cashback.

Here you met the best cashback cards and learned:

• About cards 2019 with interest on the balance;
• How to determine which is the most profitable card with cashback for products?
• What cashback cards - cashback cards with gifts bring large cashback;

And below, see other cards with benefits that may be decisive for you.

not CASHBACK, but INSTALLMENT CARDS:

Installment cards are, of course, not cashback cards, but their difference and advantages from credit and cashback cards is that with the help of installment cards, you can fly, drive, buy a lot not on credit, but in installments, with a super profitable limit. and the rate is 0% per annum for any goods, the first installment is 0 rubles, the commission for making a payment is 0 rubles.

In general, it turns out like this: take in the store (Internet, travel agency, pharmacy, etc.) whatever you like, and start paying for the next month and absolutely without interest.

Service, issue and SMS-informing of these cards is free! In any case, look at the options for installment cards in detail at the link below ⇓

One of the new directions of plastic cards (so to speak, KNOW HOW from banks) is INSTALLMENT CARDS - more details by this categories of banking products.

The best cards with cashback with Ural Bank:

Save and earn initially cashback up to 10% can fromby credit card MAXIMUM from Ural Bank.

⇒ MAXIMUM CARD TERMS

The bank offers a very fast card issuance, an online solution in 7 minutes and from 30 minutes the issuance of the card itself if you are 21 years old. An interest-free card period of up to 120 days, there are other advantages and conditions about which you can read on the official website at the link ⇓

The best cashback cards with benefits: comparison / convenience

One of the most pleasant moments in having plastic money, perhaps, is the presence of a cashback. Thanks to accumulated bonuses, cashback and in-store promotions, I was able to make incredible bargains. From one of them I even had to be very surprised and laugh out of surprise - imagine a fashionable, warm, chunky-knit scarf for 47 rubles! Or two pairs of genuine leather winter boots for less than 3000 rubles.

Lately, many have heard about cashback cards. We will tell you how cashback helps you save on purchases.

Cashback is a type of bonus program, where a certain amount of bonuses or part of the money spent is awarded to the client for fulfilling the conditions.

How does cashback work?

At first, this system may seem pretty confusing. Who will just return the money? In addition, in some cases, 20 to 40% of the purchase amount is returned.

In fact, everything is very simple. The store pays money to banks or cashback services to attract customers, some of which are returned to you. Thus, everyone wins: the one who sells the product receives customers, the one who attracts them receives money, and the client returns part of the funds for the purchase made.

There is a slight difference in refunds in retail merchandise store and online shopping portals. In the first case, the store often returns not money, but bonuses. The buyer can then spend these bonuses on the next purchase. Often a number of conditions must be met for this, for example:

• the purchase must reach a certain minimum amount;
• the purchase must be made within a certain period of time;
• the buyer can reduce the price of the product due to the accumulated bonuses, but not more than a certain percentage of the total purchase price.

The situation with Internet shopping portals is somewhat different. After the purchase, the customer does not receive abstract bonuses, but real money. After registering with the service, the buyer follows the link to the product or store, after which he selects the product and pays for it. After receiving the goods, a certain percentage of the purchase is credited to the account in the Internet portal.

After that, the money can be withdrawn to your bank card or to an electronic wallet.

The catch is that all such services have a certain minimum amount for withdrawing funds, and it is not always possible to accumulate this amount in one purchase.

Cashback services

At the moment, there are many cashback services, they act as intermediaries in the return of funds between the store and the buyer.

The work is carried out as follows: the store and the service conclude an agreement that for each purchase made through the service, the store will pay a certain percentage to this service. After that, the service begins to attract customers who make purchases, and only then they are paid a certain percentage.

Basically, in order to get a percentage of each purchase, one condition must be met. For this, the purchase must be made not immediately in the store, but through the service site go to one or another online store, after which you can safely go shopping.

Most popular services

This niche is quite popular today. There are already a sufficient number of services that help to return the percentage of purchases, and their number is constantly growing. Below are the Top 10 services that are the most popular and have already earned the trust of consumers.

1. LetyShops - returns from 1.5 to 7%;
2. Epn CashBack - returns up to 18%;
3. Alibonus - returns up to 10%;
4. Dronk - returns up to 8.5%;
5. Cashalot - returns up to 11.5%;
6. AliKopi - returns up to 11%;
7. Cubicle - returns from 2.7 to 10%;
8. BonusPark - returns from 0.88 to 15%;
9. Cash4Brands - returns from 0.5 to 10%;
10. COIN - returns from 1.2 to 9%.

Cashback cards

Domestic banks are actively practicing returning bonuses after purchases made with their card.

The cashback program for banks is as follows:

1. A purchase is made from the card. It can be done not only via the Internet, but also in a regular retail store.
2. Bonuses are credited to the card. This usually happens at the end of the month, all bonuses are summed up and credited to the account.

The number of bonuses is determined by what percentage of cashback the bank has installed in a given store. Basically, each bank has its own characteristics of such programs, for example, some banks limit the purposes of using bonuses, others introduce a limit for the functioning of cashback.

Debit cards

Quite a few people use debit cards and use them to pay for goods and services. Despite this, this type of card cannot boast of a large number of bonuses, as a credit card can do it.

Nevertheless, some banks provide their customers with the opportunity to use cashback on such cards. Basically, the user gets back from 0.5% to 30%.

Credit cards

These cards often have many cashback partners. This is due to the fact that people like to receive bonuses, and knowing that a certain percentage of the purchase will be returned to them, they exceed the limit, after which they have to pay interest on the loan. In this case, the bank wins, because the money returned along with the interest on the loan is covered by the cashback.

Banks issuing cards with cashback

There are enough of such banks, so it would be most logical to talk about those that are on everyone's lips. Below is a list of such banks and information about the cashback opportunities they provide.

Tinkoff Platinum Card

• Card limit: up to 300,000 rubles;
• Interest rate: from 20 to 50%;
• Grace period: 55 days;
• Annual maintenance: 590 rubles;
• : 2,9%;
• MasterCard.

Alfa-Bank, card "100 days without interest"

• Card limit: up to 300,000 rubles;
• Interest rate: from 11.99, if the payment is overdue for each day, an additional 1% of the amount is charged. The minimum payment is 320 rubles, if the debt increases to 50 thousand, this amount increases to 1500 rubles;
• Grace period: 100 days;
• Annual maintenance: from 590 rubles;
• Cash withdrawal fee: withdrawal without interest is possible up to 50,000 per month, for large amounts the commission is 5.9%;

Sovcombank, Halva card with Cash Back option

• Card limit: 350,000 rubles;
• Interest rate: from 0 to 10%, late payment penalty is calculated from the 6th day, size - 0.1%;
• Grace period: 730 days, Cash Back for purchases from 50 thousand per month, the size is 1.5%;
• Annual maintenance: no fee will be charged;
• Cash withdrawal fee: commission is not charged;
• Mastercard.

Home Credit, "installment card"

• Card limit: up to 300,000 rubles;
• Interest rate: 0 to 29.9%. Debt repayment is possible at any time;
• Grace period: 365 days;
• Annual maintenance: no fee will be charged;
• Cash withdrawal fee: cash withdrawals are not allowed;
• Visa Classic.

• Card limit: up to 500,000 rubles.
• Interest rate: from 19.9%
• Grace period: up to 55 days;
• Annual maintenance: depends on the tariff;
• Cash withdrawal fee: 3,9%;

How to choose a card with cashback?

In order to most effectively choose a card to receive a cashback, adhere to the following rules:

• choose the bank that will allow you to get the highest cashback among competitors in the places you visit most often;
• carefully study the agreement, some banks prescribe a condition in it - it is possible to get cashback only if there is a debt on the loan;
• also, it will not be superfluous to pay attention to the percentage of the account balance;
• try to find a card that will be the cheapest to service.

By adhering to these simple rules, you can choose a card with which you can save well on purchases.

Hello, dear readers of the site! Today we will tell you in simple words what cashback is, how it works and how to use it, and also give a rating of the best cashback services and sites.

Many consider the concept "Cashback" exclusively in terms of bank cards. However, it is possible to return part of the money for purchases using a large number of other tools.

After examining the presented article from start to finish, you will learn:

• What is cashback and how to use the cashback service;
• What is cashback on a bank card;
• What are the best cashback services.

At the end of the article, we traditionally answer the most popular user questions.

Without a doubt, cashback is a very convenient system that allows you to save money when making purchases. If you want to know how to use it, do not waste time - start reading now!

Read about what cashback is (including on a bank card) and how to use it, as well as how to choose the best and most profitable cashback service in this issue.

1. What is Cash Back and how it works - an overview of the concept in simple words 💰

In the modern world, absolutely everyone makes regular purchases. However, many do not take advantage of the opportunities provided. That is why most buyers buy many products at a much higher price than they could ... Using inconvenient, outdated payment schemes, they regularly overpay.

In most cases, there is only one reason for excessive spending - habit ... To help you get rid of uncomfortable and expensive habits, we decided to devote today's publication to the topic cashback .

Don't forget that the savings and optimization of costs allow, in total, considerable sums per year. Moreover, financial literacy provides an opportunity to fulfill many dreams associated with monetary costs.

1.1. What does cashback mean for a purchase

So what does cashback mean?

Translated from English into Russian cash back is a cash return... The literal translation reflects well the essence of the economic concept. Using cashback allows you to return part of the money spent on payment for goods and services.

In most cases cashback size varies in the range from 0.5% to 5% ... Some lending institutions offer higher cashback, but this is much less common. The amount of the return is determined not only by the generosity of the paying service, but also by the terms of a specific agreement.

What is cashback service?

Today, they are becoming more and more popular specialized sites that redirect customers to store portals. It is these services that transfer refunds to customers. In addition to cashback, they offer additional services – comparison of prices of different sellers, search for the required product other.

Some services cooperate with several hundred stores located in different countries of the world. At the same time, the refund for each partner is different. They depend on the agreement concluded between the store, the service, and its customers.

It is important to understand that the term cashback is used in various fields: banking, online trade, gambling... Its essence lies in the provision of various bonus programs in order to attract new customers and increase the level of loyalty.

1.2. How cashback works - how the cash back system works

The refund system for purchases is organized so that absolutely all participants in the relevant transaction remain in the win .

Cashback service attracts customers, for this stores transfer him a percentage of each transaction. The service divides the received profit by 2 parts: one takes it for itself second enumerates to the client.

The only one minus (-) cashback implementation scheme is that refunds cannot be made instantly ... In some cases, the customer receives cashback when he has already forgotten about it.

Traditionally, services indicate the estimated timing of the transfer of cashback immediately. In most cases, cashback is carried out within a month, much less often within a few days.

The services try to set the duration of the period sufficient so that the buyer has time to hand over the goods if necessary.

The cashback procedure is explained step by step below:

1. The buyer follows the link provided by the cashback service to the website of the online store. Here he chooses the required product or service. After that, the buyer pays their cost;
2. The seller transfers part of the funds received to the account of the cashback service. It turns out that stores pay for the services of companies for attracting customers to them. For many sellers, this turns out to be much more profitable and effective than independently promoting goods and services, as well as advertising campaigns;
3. The cashback service transfers part of the funds received to the buyer. Most often, the client gets an amount of about 5 % of the money spent.

In fact, there is little difference between cashback services. Anyone can easily figure out how to use this or that functionality.

Should be considered, that many Internet resources require you to accumulate a certain amount of cashback before withdrawing money. However, you should not be afraid of this, because most resources set a minimum threshold at the level 10 -20 rubles.

2. What is cashback on a bank card? 💳

In the banking sector, cashback is a return of part of the money spent using the card. Based on the essence of the concept, it is often called one of the types bonus program.

Cashback is used primarily to stimulate the active use of bank cards, as an alternative to cash.

Most often, one of 2 options for returning part of the funds spent on the purchase is used:

1. cashback is returned absolutely from all purchases;
2. you can get a refund only from settlements with bank partners.

The main feature of cashback on a bank card is the fact that it does not act as a one-time discount action. The cardholder will first have to settle accounts with the seller of goods or services.

Only after a certain period of time has passed, the previously agreed amount or part of the costs will be returned to him. After receiving the cashback, the cardholder has the right to spend the returned money wherever he wants.

It is important to keep in mind that the main indicator of the full-fledged provision of services by the bank is return of real money... If desired, the funds received can even be cashed.

In other words, we cannot talk about the use of cashback when calculating points, which are subsequently used only for expenses within certain categories of purchases and on pre-agreed terms. Such returns can be considered exclusively discount promotions .

Who benefits from using the Cash Back system

3. Benefit from cashback for each of the parties to the operation 📑

Marketing professionals claim that it is quite difficult to induce an experienced modern buyer to make spontaneous purchases ... These clients usually have their own scheme for making acquisitions with maximum value.

They choose the necessary product or service, study the offers of various stores and firms. Experienced buyers often use comparison services .

Recently, visiting cashback resources ... It is enough to go through the registration procedure on one or more of these services in order to receive a refund of part of the funds spent on the purchase of goods and services. The benefits of such an operation are obvious to all parties to the transaction.

1) Benefits for trading companies

To attract customers, sellers have to spend huge sums of money. For trading firms, marketing is often the main item of the expenditure side of the budget. This is explained simply: even the best product needs to be sold ... At the same time, the competition in the market is at the highest level.

In modern conditions, when sales have a huge impact the crisis , and overproduction Any way to attract customers should be used with maximum efficiency.

That is why many stores decide to participate in cashback programs. They share some of the profits, however revenue growth due to increased sales allows you to cover these minor costs.

2) Benefits for cashback service

Cashback services make a profit by attracting customers. They offer potential buyers to compare a huge number of trading companies.

The scheme of operation of such a resource is quite simple:

• After confirming the purchase made by switching from the cashback service to the store's website, the seller transfers a part of the profit to the resource;
• The pre-agreed percentage of the cashback service returns to the buyer. Different stores can set different refund periods: in most cases, from 3 before 90 days.

Thus, cashback services provide intermediary services by advertising and promoting goods. Eventually sellers themselves do not have to spend money on advertising campaigns... A sufficiently large amount of resources is freed up to improve the level of service, as well as the quality of the goods and services sold.

3) Savings for buyers

Many people call the buyer the main participant in the transaction through the cashback service. Without it, other participants would not be able to implement the basic principles of such resources.

Cashback service customers receive money for making a purchase. The main benefit from participating in such programs is that a person points and bonuses are not awardedthat may not be useful to him.

Instead, he pay money that can be withdrawn to a bank card, electronic wallet or phone. Subsequently, the buyer has the right to spend these funds solely at his own discretion.

Statistics confirm that the number of buyers using cashback services is constantly growing. Already several years ago this type of saving has ceased to be just entertainment, has passed into the status of a real necessity.

Other benefits for buyers include:

1. No price increase. The cost of the goods remains at the same level as with a direct visit to the seller;
2. Ease of use of services as well as security. To register, you will have to spend no more 5 minutes. Clients are provided with several options for withdrawing funds received;
3. A wide variety of cashback services. There is a fairly high level of competition among such resources. This allows buyers to choose the best option for themselves, eg service cooperating with foreign shops;
4. In most cases, the maximum cashback size is set in advance, however some services provide an opportunity to increase the income received. For this, eg, you can use the opportunity to attract referrals.

How to use and get cashback online - a beginner's guide

4. How to use cashback - 6 main stages of getting cashback on the Internet 📝

The benefits of using cashback are obvious. However, not everyone knows how to get benefits competently and quickly. The following may help. a step-by-step description of the procedure for obtaining a cashback .

Stage 1. Service selection and registration

More than a dozen large cashback services are available for Russians to use. Each resource cooperates with a huge number of online stores; in most cases, several hundred sellers are partners of the service.

Nevertheless, this area in our country is not fully developed.... Foreign cashback services provide customers with access to several tens of thousands of merchants located all over the world.

In most cases, cashback services are used to buy clothes and shoes (near 35 % all acquisitions), household appliances (about 20 % ), and cosmetics, printed products, food.

It is important to be as conscious as possible when choosing a cashback service. In this case, one should take into account not only the size of the provided cashback, but also the reputation of the resource, as well as reviews of real customers.

After choosing a cashback service, you should go through the procedure registration... In most cases, this only requires an email address.

Stage 2. Disable ad blocking

Many Internet users use in the process of working on a computer special services that allow you to block ads ... To use cashback resources they will have to be turned off.

You will also need to stop working and some other extensions of the Internet browser. All actions required from you will be described on the cashback service. In most cases, they are placed in the most prominent place on the home page of the site.

You may need clear cookies in the internet browser ... This will be required so that the seller understands which service should be rewarded for a specific client. If this is not done, the cashback may not be listed... Moreover, it is almost guaranteed not to be activated.

Stage 3. Authorization in the personal account and transition to the store portal

It is important to remember a few rules: do not turn off your computer, close your internet browser, or interrupt your session. If this happens, cashback will not be credited due to a technical failure.

Stage 4. Search for a product or service, payment

At this stage, you should select the required product and service, make a payment for them. If the operation is successful, the client will receive an email confirming the purchase and cashback accrual. Best for the buyer to make a purchase immediately after going to the store website.

In other words, you need to use the following scheme:

• go to the seller's website;
• selection of an item with subsequent addition to the cart;
• transfer of funds in payment.

The safest to use for purchases with cashback plugin specially designed for these purposes. It is offered to customers by cashback services.

This plugin allows you to be sure that the cashback funds will be credited to the appropriate account. In addition, it increases the speed of activation of the return function.

Stage 5. Checking the amount of accrued cashback

At this stage, you should go to cashback service cabinet. It is important to make sure that the promised cashback amount has been transferred.

Unfortunately, mistakes do happen, though not often. If this happens, worth understanding without wasting time... In this case, the chances of correcting the amount of underpayment are much greater than with a long wait.

Stage 6. Withdrawal of funds

As soon as a sufficient amount for withdrawal has been accumulated on the client's personal account of the cashback service, you can order payment.

The buyer can choose the method of receiving funds independently, based on the withdrawal options offered by the cashback service.

If you strictly follow the instructions above, you can get cashback quickly and without any problems.

Popular ways to withdraw cashback: 1) to a bank card; 2) to the phone; 3) to an electronic wallet

5. How to withdraw cashback - an overview of the 3 most convenient and reliable options 📋

Each cashback service independently develops the conditions for withdrawing received refunds. However, there is a single rule. To receive money, you will first have to accumulate the minimum withdrawal amount, and then order a payment.

The most convenient and reliable ways to withdraw funds received from cashback are detailed below.

Option 1. To a mobile phone

If the minimum amount for withdrawal is not high, it is worth considering the option of receiving funds on a mobile phone.

In this case, many do not see the point of transferring cashback into cash. That is why customers decide to transfer the received cashback to cellular providers in order to pay for its services.

Mobile phones have to be paid regularly, the service in question can help in this.

Option 2. To a plastic card of any bank

Many users prefer to withdraw funds to plastic cards. Moreover, often when choosing a cashback service, customers first of all pay attention to the possibility of just such a payment.

After withdrawing funds from a bank card, you can use without limitation , spend them on any purchases, payment for any services.

Option 3. To an electronic wallet

Among Russians, the most popular electronic payment systems are WebMoney , Yandex money , and Qiwi ... It is to these wallets that most cashback resources offer to withdraw the funds received.

Clients use international payment systems much less often, for example PayPal and Perfect money .

The described options for withdrawing cashback are not the only ones. Some services offer to pay for other services, eg Online Games. So, some gambling addicts withdraw cashback to World of Tanks .

6. Best cashback services - rating and comparison of TOP-3 best cashback sites 📊

The first step on the way to getting a cashback is choosing a resource with which the service will be received. In order not to search and analyze services yourself, you should use ratings of the best cashback services (sites) ... One of them is presented below.

Cashback service # 1. Smarty Sale

Smarty Sale appeared on the Russian cashback market one of the first. Today they offer to return part of the purchase made in 850 online stores in various directions.

With this service, eg , buy clothes, goods for children, sports and travel goods, cosmetics, and household appliances.

The most popular online stores among the clients of the Smarty Sale service are:

• AliExpress - cashback is 3 %;
• eBay - returns from 1,5 %;
• Ozone - cashback about 2,5 %;
• Lamoda – 4 %.

The main advantages of the resource in question are:

• a large number of ways to withdraw money, including bank cards;
• high-quality technical support, working 7 days a week without interruption.

Among the satisfied customers of the service there are already more than a million people living around the world.

Cashback service # 2. Alibonus

Alibonus is one of the most popular cashback services working with AliExpress ... The creators of the resource claim that they have collected all the best qualities of services in their brainchild.

Many experts are sure that when using the resource you can increase safety and economy when shopping on AliExpress.

Among the advantages of Alibonus are the following:

• convenience of cashback withdrawal;
• the ability to track the status and location of the purchase;
• availability of verification of the loyalty of sellers;
• the ability to access the service around the world.

Cashback service # 3. ePN

ePN Is another popular cashback resource cooperating with Aliexpress... For the latter, the level of returned funds reaches 15 % .

The resource in question offers not only get cashback from your purchase. Here you can use various discounts into a variety of product categories. Some of them are on a permanent basis, some are seasonal offers.

Another advantage service is considered by many availability of an affiliate program ... Participation in it allows you to increase the rate of return, get promo codes and other useful bonuses.

To make it easier to compare the cashback sites described above, we have presented their main features in the table below.

Table "TOP-3 cashback services with the best conditions for clients":

The proposed table will help a beginner decide on the choice of cashback service and understand which one is better .

Useful tips for choosing the best and most profitable cashback service

7. How to choose the most profitable cashback service - 5 valuable tips from experts 💎

The large number of cashback resources operating on the market often confuses even experienced Internet users. Choose among them profitable and the best it can be difficult. However, expert advice and recommendations can greatly facilitate this difficult task.

Many, choosing a service, are guided solely by the level of the received cashback. Naturally, everyone wants to return as much money as possible. But don't forget what exists return limit .

On average in the market today, the size of the cashback is around 5 % ... If the service offers a more generous reward that is significantly different from the market average ( eg, reaches 30 %), you should think about it and look for the pitfalls of the resource.

Council number 2. Pay attention to the possibility of increasing earnings

A cashback service can generate a lot more revenue if it offers.

Most often used for this purpose referral programs , loyalty programs for regular customers of the resource , and promo code system allowing you to get an increased discount.