Dernièrement, de plus en plus de personne utilise les programmes de récompenses « Cashback » où les clients peuvent récupérer un pourcentage de l’argent qu’ils dépensent lors de leurs achats. À l’origine une fonctionnalité de carte de crédit, certains comptes de carte de débit offrent désormais également des récompenses en espèces, ainsi que des magasins, des détaillants en ligne, etc.
Alors, comment fonctionne le système de Cashback ? Comment peut-on en profiter pour faire des économies ?
Comment peut-on profiter du système du Cashback ?
Comment fonctionne le cashback ?
Si une carte de crédit verse 1 % de cashback sur tous les achats, vous pourriez gagner 50 euros si vos dépenses annuelles s’élèvent à 5 000 euros. Mais assurez-vous de payer votre solde au complet chaque mois, sinon les frais d’intérêt l’emporteront presque certainement sur les avantages.
Chaque fois que vous utilisez la carte, vous gagnez un pourcentage de vos dépenses sous forme de cashback.
Par exemple, si votre carte verse 2 % de cashback et que vous dépensez 100 euros dans un magasin, vous gagnerez 2 euros.
Ce cashback est généralement versé annuellement, bien que certaines cartes remboursent le cashback sur une base mensuelle.
La plupart des cartes de remboursement créditent le montant que vous avez gagné sur votre relevé, ce qui réduit votre facture de carte de crédit. Certaines cartes envoient le cashback sur un compte bancaire afin que vous puissiez le dépenser, ou vous permettent de le convertir en points ou en bons.
Les points de récompense peuvent normalement être échangés lorsque vous en avez assez pour vous qualifier pour une « récompense ».
Quelles sont les différentes formes des cartes Cashback ?
Certains paieront simplement un taux forfaitaire de cashback, peu importe combien vous dépensez ou où vous le dépensez.
D’autres paient des taux de remise en argent échelonnés en fonction de vos dépenses. Par exemple, 0,5 % si vous dépensez moins de 6 000 euros par an et 1 % si vous dépensez plus. Attention, cela ne vous incite pas à dépenser plus que vous ne pouvez-vous permettre de rembourser confortablement.
Certaines cartes offrent des taux de remboursement différents selon l’endroit où vous dépensez votre argent. Par exemple, 1 % sur l’argent dépensé dans les supermarchés, 2 % sur l’argent dépensé dans les grands magasins et 3 % sur l’argent dépensé pour l’énergie.
Combien de cashback puis-je recevoir ?
Le montant du cashback que vous pouvez recevoir dépend de deux choses :
Le programme de récompenses auquel vous vous inscrivez, et combien vous dépensez réellement. N’oubliez pas que la seule façon de gagner des récompenses est de dépenser de l’argent en premier lieu.
Lors de la sélection d’un programme, déterminez si vous pourrez gagner des avantages sans changer vos habitudes de dépenses normales. Si tel est le cas, vous serez probablement remboursé sans dépasser votre budget. Sinon, trouvez un programme qui convient mieux à votre style de vie.
Quels sont les avantages et inconvénients du cashback ?
Les avantages :
- Faites-vous rembourser une partie de l’argent que vous dépensez
Les inconvénients
- Certains programmes de cashback ont des frais cachés.
- Parfois, les récompenses peuvent n’être disponibles que sur des articles que vous n’achetez pas normalement, ce qui signifie que vous devrez dépenser plus que d’habitude pour obtenir le cashback.
Comment bien choisir sa carte de remboursement ?
Si vous remboursez votre solde chaque mois, une carte de remboursement peut vous faire économiser de l’argent.
Avant de souscrire à une carte de crédit avec remise en argent, prenez une minute pour déterminer si vous pouvez vous permettre de rembourser votre solde de manière constante. Les récompenses sont un avantage considérable, mais vous ne devez jamais perdre de vue vos objectifs financiers à long terme au nom de l’optimisation des récompenses.
Si vous voulez gagner le plus de cashback possible, vous devrez changer vos habitudes de dépenses et utiliser votre carte de crédit cashback autant que possible.
Cependant, essayez de ne pas voir cela comme une excuse pour dépenser plus que d’habitude, simplement pour gagner plus de cashback.
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