Why is my cashback lower than advertised?

Usually caps, tier requirements, or payout in a token. The headline rate is the best case, not the typical case.

Which cards have honest cashback?

Cards with uncapped, fiat/stablecoin cashback and low fees. The comparison ranks by net value, not headline rate.

Fees & Calculators

6 min read

A headline rate isn't a promise. Caps, token payouts and fees decide what you actually keep.

The advertised rate rarely equals what lands in your account.

A 5% rate capped at $25/month is worth at most $300/year. A 1% uncapped card can beat it for higher spenders.

Model the card at your real spend in the calculator. If the 'high cashback' card loses, you've found a fake headline.

Why is my cashback lower than advertised?: Usually caps, tier requirements, or payout in a token. The headline rate is the best case, not the typical case.
Which cards have honest cashback?: Cards with uncapped, fiat/stablecoin cashback and low fees. The comparison ranks by net value, not headline rate.